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National Bank of Greece S.A National Bank of Greece S.A. Group and Bank Six-Month Financial Report 30 June 2018 August 2018 Table of Contents Certification of the Board of Directors ........................................................................................................................................ 3 Board of Directors Report ............................................................................................................................................................ 4 Independent Auditor’s Report ................................................................................................................................................... 25 Statement of Financial Position ................................................................................................................................................. 26 Income Statement – 6 month period ........................................................................................................................................ 27 Statement of Comprehensive Income – 6 month period .......................................................................................................... 28 Income Statement – 3 month period ........................................................................................................................................ 29 Statement of Comprehensive Income – 3 month period .......................................................................................................... 30 Statement of Changes in Equity – Group ................................................................................................................................... 31 Statement of Changes in Equity – Bank ..................................................................................................................................... 32 Cash Flow Statement ................................................................................................................................................................. 33 NOTE 1: General information .............................................................................................................................................. 34 NOTE 2: Summary of significant accounting policies .......................................................................................................... 35 2.1 Basis of preparation ................................................................................................................................................................. 35 2.2 Going concern .......................................................................................................................................................................... 35 2.3 Adoption of International Financial Reporting Standards (IFRS) .............................................................................................. 36 2.4 Update to significant accounting policies disclosed in the annual Financial Statements of the Group related to IFRS 9 ........ 38 2.5 Critical judgments and estimates ............................................................................................................................................. 43 NOTE 3: Segment reporting................................................................................................................................................. 44 NOTE 4: Credit provisions and other impairment charges .................................................................................................. 46 NOTE 5: Tax benefit /(expense)........................................................................................................................................... 46 NOTE 6: Earnings / (losses) per share.................................................................................................................................. 46 2 NOTE 7: Financial assets at fair value through profit or loss ............................................................................................... 46 NOTE 8: Loans and advances to customers ......................................................................................................................... 47 NOTE 9: Assets and liabilities held for sale and discontinued operations........................................................................... 49 NOTE 10: Due to banks .......................................................................................................................................................... 51 NOTE 11: Due to customers .................................................................................................................................................. 51 NOTE 12: Contingent liabilities, pledged, transfers of financial assets and commitments ................................................... 51 NOTE 13: Share capital, share premium and treasury shares ............................................................................................... 53 NOTE 14: Tax effects relating to other comprehensive income / (expense) for the period ................................................. 53 NOTE 15: Related party transactions .................................................................................................................................... 55 NOTE 16: Capital adequacy ................................................................................................................................................... 56 NOTE 17: Fair value of financial assets and liabilities ............................................................................................................ 57 NOTE 18: Acquisitions, disposals and other capital transactions .......................................................................................... 63 NOTE 19: Group companies .................................................................................................................................................. 64 NOTE 20: Events after the reporting period .......................................................................................................................... 65 NOTE 21: Transition to IFRS 9 as of 1 January 2018 .............................................................................................................. 65 21.1 Continuation of IAS 39 hedge accounting requirements ......................................................................................................... 65 21.2 Impact upon transition to IFRS 9 .............................................................................................................................................. 65 21.3 Estimated impact on regulatory capital ................................................................................................................................... 70 Availability of financial statements of Group subsidiaries......................................................................................................... 71 Certification of the Board of Directors on the interim financial statements as at 30 June 2018 Certification of the Board of Directors Certification of Chairman, Chief Executive Officer and a member of the Board of Directors pursuant to Article 5 of Law 3556/07, as in force. We, the members of the Board of Directors of National Bank of Greece S.A. certify that to the best of our knowledge: (1) Τhe interim financial statements for the six-month period ended 30 June 2018 have been prepared in accordance with the current accounting standards and present a true and fair view of the Statement of Financial Position, Income Statement, Statement of Comprehensive Income, Statement of Changes in Equity and Cash Flow Statement of the Bank and of the companies included in the consolidation. (2) Τhe Board of Directors report for the 6-month period ended 30 June 2018 truly and fairly presents all information required by Article 5, Para 6 of Law 3556/07, as in force. Athens, 31 August 2018 BOD MEMBER THE CHAIRMAN THE CHIEF EXECUTIVE OFFICER CHAIR OF THE AUDIT COMMITTEE COSTAS P. MICHAELIDES PAUL K. MYLONAS ANDREW J MCINTYRE 3 Board of Directors Report on the interim financial statements as at 30 June 2018 Board of Directors Report Developments regarding the Financial and Macroeconomic environment The global economic recovery remains firm, although a number of factors continue to pose challenges The global economy posted strong growth in the first half of 2018, albeit at a slower pace compared with the second half of 2017. Economic growth appears resilient but less even in different countries, with escalating trade concerns and increasing tariffs clouding the outlook for the global economy. More specifically, the slowdown of private consumption in the United States (“US”) was mainly responsible for weaker economic activity in the first quarter. However, the US economy has gathered momentum in the second quarter of the year on the back of rebounding consumer spending and sustained business investment growth, caused by continued labour market gains and expansionary fiscal policy. As a result, real Gross Domestic Product (“GDP”) increased by 2.7% six-month annualized rate in the first half of 2018 from 2.7% in the second half of 2017. In the euro area, the economy continued to recover steadily, albeit slower than in the second half of 2017. Real GDP increased by 1.8% six-month annualized rate in the first half of 2018 from 2.9% in the second half of 2017. The contribution of private consumption remains
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