| Company Name: | National Bank of Greece S.A. ADS | | Ticker Symbol: | NBG | | | WWW Address: | www.nbg.gr | | CEO: | Efstratios-Georgios (Takis) A. Arapoglou | | No. of Employees: | 35,860 | | Common Issue Type: | AD | | Business Description: | The Company and its subsidiaries are involved in diversified financial services activities including retail and commercial banking, global investment management, investment banking, insurance, investment activities and securities trading.
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| | | Industry Information: | BANKING - Foreign Money Center Banks [more like this] |
| | Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 6.8 |  -0.09 | 6.17 | 7.0 | 6.91 | 6.92 | 6.78 | 573467 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 17,562.4 | 2,582.7 | 2.41 | 0.43 | 0.12 | 38.9 | 4.3 | 8.37 - 2.09 |
| | KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.80 | $ | | PE Ratio - LTM | 38.9 | |
| Market Capitalisation | 17,562.4 | mil |
| Latest Shares Outstanding | 2,582.7 | mil |
| Earnings pS (EPS) | 0.43 | $ |
| Dividend pS (DPS) | 0.12 | ¢ |
| Dividend Yield | 4.3 | % |
| Dividend Payout Ratio | 29 | % |
| Revenue per Employee | 319,395 | $ |
| Effective Tax Rate | 22.8 | % |
| Float | 0.0 | mil |
| Float as % of Shares Outstanding | 0.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 42.8 | % |
| Pre-Tax Profit Margin | 7.3 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.3 | % |
| Return on Equity (ROE) | 4.1 | % |
| Return on Capital Invested (ROCI) | 2.7 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 15.3 | |
| Interest Cover | 1.2 | |
| Total Debt/Equity (Gearing Ratio) | 0.41 | |
| LT Debt/Total Capital | 26.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 3.92 | $ |
| Tangible Book-Value pS | 2.59 | $ |
| Cash Flow pS | 0.16 | $ |
| Free Cash Flow pS | 5.98 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.73 | |
| Price/Tangible Book Ratio | 2.62 | |
| Price/Cash Flow | 42.1 | |
| Price/Free Cash Flow | 1.1 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 07/19/2009 |
| Dividend Ex-Date | 07/22/2009 |
| Dividend Record Date | 07/26/2009 |
| Dividend Pay Date | 08/05/2009 |
| Dividend Amount | 286 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.29 |
| Current Dividend Yield | 4.3 |
| 5-Y Average Dividend Yield | 5.0 |
| Payout Ratio | 29.0 |
| 5-Y Average Payout Ratio | 64.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | | | | | PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.2 | 100 | 6,198 | 9,306 |
| 4 Weeks | 7.95 | 6.55 | 7.27 | -6.5 | 88 | 4,928 | 83,773 |
| 13 Weeks | 8.37 | 6.19 | 6.66 | 2.1 | 95 | 5,560 | 339,180 |
| 26 Weeks | 8.37 | 4.72 | 5.71 | 19.1 | 99 | 4,675 | 584,397 |
| 52 Weeks | 8.37 | 2.09 | 3.85 | 76.6 | 143 | 4,847 | 1,206,794 |
| YTD | 8.37 | 2.09 | - | 78.5 | 146 | 4,631 | 1,051,346 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 6.95 | 7.07 | 7.35 | 6.19 | 5.33 | 2.41 | 2.48 |
| | | | GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 21.65 | 75.9 | 18.45 |
| Income | 19.69 | 24.0 | -19.41 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 52.17 | NA | 55.56 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 7.01 | NA | -34.39 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -6.9 | -100.0 | -5.1 |
| Earnings % | -80.0 | -100.0 | -44.4 |
| EPS % | -34.9 | -100.0 | -48.5 |
| EPS $ | -0.16 | -0.22 | -0.40 |
| | | | SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 72.13 |
| Free Cash Flow Margin 5YEAR AVG | 16.40 |
| Cash-Flow pS | 3.07 |
| Free Cash-Flow pS | 2.47 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 16.80 |
| Debt Ratio | 94.05 |
| Total Debt/Equity (Gearing Ratio) | 0.81 |
| LT Debt/Equity | 0.81 |
| LT Debt/Capital Invested | 44.81 |
| LT Debt/Total Liabilities | 5.14 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 2.99 |
| Tobin's Q Ratio | 0.12 |
| Current P/E Ratio - LTM | 38.90 |
| Enterprise Value (EV)/EBITDA | 0.03 |
| Enterprise Value (EV)/Free Cash Flow | 0.68 |
| Dividend Yield | 4.3 |
| Price/Tangible Book Ratio - LTM | 2.62 |
| Price/Book Ratio - LTM | 1.73 |
| Price/Cash Flow Ratio | 42.1 |
| Price/Free Cash Flow Ratio - LTM | 1.1 |
| P/E Ratio (1 month ago) - LTM | 46.1 |
| P/E Ratio (26 weeks ago) - LTM | 13.3 |
| P/E Ratio (52 weeks ago) - LTM | 4.6 |
| 5-Y High P/E Ratio | 38.9 |
| 5-Y Low P/E Ratio | 7.0 |
| 5-Y Average P/E Ratio | 20.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 194 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 163.3 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 2.59 |
| Book Value pS - LTM | 3.92 |
| Capital Invested pS | 5.91 |
| Cash Flow pS - LTM | 0.16 |
| Free Cash Flow pS - LTM | 5.98 |
| Earnings pS (EPS) | 0.43 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 13.57 |
| Return on Equity (ROE) - 5YEAR AVRG. | 16.7 |
| Return on Capital Invested (ROCI) | 7.48 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 9.2 |
| Return on Assets (ROA) | 0.81 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.0 |
| EBIT Margin - LTM | 46.4 |
| EBITDA Margin - LTM | 42.8 |
| Pre-Tax Profit Margin | 31.10 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 41.84 |
| Net Profit Margin | 24.12 |
| Net Profit Margin - 5YEAR AVRG. | 31.77 |
| Effective Tax Rate | 22.86 |
| Effective Tax Rate - 5YEAR AVRG. | 19.09 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 243,472 |
| Net Income per Employee - LTM | 11,640 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,426.73 |
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