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FORM 6-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Report of Foreign Private Issuer

Pursuant to rule 13a-16 or 15d-16 of

The Securities Exchange Act of 1934

For the month of August, 2013

National Bank of Greece S.A.

(Translation of registrant’s name into English)

86 Eolou Street, 10232 Athens, Greece

(Address of principal executive offices)

[Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.]

Form 20-F    x          Form 40-F     o

[Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to rule 12g3-2(b) under the Securities Exchange Act of 1934.]

Yes    o          No    x

[If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82-              ]

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National Bank of Greece S.A.

Group and Bank

Interim Financial Report

30 June 2013

August 2013

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Certification of the Board of Directors

on the interim financial report as at 30 June 2013

Certification of Chairman, Chief Executive Officer and a member of the Board of Directors pursuant to Article 5 of Law 3556/07.

We, the members of the Board of Directors of National Bank of Greece S.A. certify that to the best of our knowledge:

(1)         The interim financial report for the period ended 30 June 2013 has been prepared in accordance with the current accounting standards and present a true and fair view of the Statement of Financial Position and Income Statement of the Bank and of the companies included in the consolidation.

(2)         The Board of Directors report for the period ended 30 June 2013 truly and fairly presents all information required by Article 5, Para 6 of Law 3556/07.

Athens, 29 August 2013

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Board of Directors Report

for the period ended 30 June 2013

Economic environment during the first half of 2013

The global economy picked up slightly its growth pace in the first half of 2013 compared with the second half of 2012. However, it has underperformed relative to expectations in the beginning of 2013, broadly remaining in a slow and steady growth environment, on the back of growth disappointment in major emerging economies, such as Russia, South Africa, Brazil and China and relatively deeper recession in the euro area during the first quarter of 2013. By contrast, US growth remains broadly on track and economic growth surprised positively in Japan. More specifically, in the US, the concerns of a fiscal drag on growth resulting from the expiration of the payroll tax reduction and sequester-related spending cuts have not materialized, as employment conditions have strengthen and consumer spending has proven more resilient than initially expected. In addition, the US housing market recovery was gradually gaining momentum, and combined with rising US equity prices, supported further consumer balance sheets. In the euro area, the recession proved slightly deeper than expected (in the first quarter of 2013), due to stronger headwinds from fiscal austerity, banking sector weakness, and ongoing political uncertainty which undermined confidence. Having said that, euro area Purchasing Managers Index (“PMI”) leading indicators bottomed out in the second quarter, pointing to an exit from recession. Indeed, euro area real GDP growth was positive in the second quarter of 2013 (0,3% quarter-on-quarter), for the first time after six consecutive quarters of negative economic growth. In Japan, bold monetary and fiscal policy initiatives of the Abe administration led to a meaningful response by the markets and the economy by the beginning of 2013. First half growth came in particularly strong, business and consumer confidence increased, the Japanese stock market rallied and the Yen depreciated, underpinning Japanese exports. However, the announcement of the agenda of structural reforms, the “third arrow” of “Abenomics”, was met with market skepticism, lacking boldness and details. Growth in emerging economies disappointed in the first half of 2013, primarily due to slower exports, lower commodity prices, rising bond yields in developed economies, financial stability concerns as well as capacity constraints.

On the back of the fragile global growth prospects, major central banks continued (or in case of Bank of Japan, significantly expanded) their ultra accommodative monetary policy stance, as well as their unconventional policy tools. Specifically, the Federal Reserve System (“Fed”) initiated USD 45 billion of US Treasury purchases per month on an open-ended form on January 2013, which were on top of USD 40 billion Mortgage Backed Securities purchases per month since September 2012. However, by the end of the first half, as the recovery of the US economy appeared to have gained some traction, the Fed signaled that a tapering off of asset purchases could begin at September this year and could be terminated by June 2014, provided that the US economic recovery stays on a firm footing. Fed’s intentions caused increased volatility in global markets, pushing up US Treasury yields by around 100 bps from May 2013 lows. Note that the Fed has clarified that a potential termination of quantitative easing policy would not necessitate the first rate hike in the short-term policy rates, which could remain well-anchored to zero level for a longer period. On the other side of the Atlantic, forced by an unexpected faltering in growth prospects, the European Central Bank (“ECB”) cut its main refinancing rate by 25 bps to 0,50% on May 2013 and its marginal lending facility rate by 50 bps to 1,0%, while kept the deposit facility rate unchanged, tightening, eventually, the interest rate corridor, from 150 bps to 100 bps. Moreover, lately the ECB broke new ground adopting a light form of “forward guidance” stating that the short-term interest rates are expected to remain at current or lower levels for an extended period of time, albeit it missed to provide further clarification on what “an extended period” can mean. However, following the announcement, some ECB officials commented that the introduction of forward guidance should not be perceived as a policy pre-commitment.

Recessionary headwinds in the Greek economy remained strong in the first quarter of 2013, with GDP contracting by 5,6% year-on-year in the first quarter of 2013 compared with a drop of 6,4% in the end of 2012 (the contraction of GDP slowed down to 4,6% in the second quarter of 2013). Despite the notable reduction in uncertainty since late 2012 and especially in the first half of 2013 (following the timely completion of scheduled reviews of Greece’s economic adjustment programme (“Programme”) and the elimination of euro exit risk) domestic demand continues to be weighed down by the still high fiscal burden, challenging labor market trends and a sizeable negative carry of approximately 2,8% year-on-year, due to the strongly declining trend of GDP in previous quarters.

In this environment, private consumption in Greece declined by 8,7% year-on-year in the first quarter of 2013, against a backdrop of falling wages (by 10,1% year-on-year in the first quarter of 2013), declining employment (by 6,3% year-on-year in the first quarter of 2013), ongoing deleveraging in the household sector (by 3,6% year-on-year in the first half of 2013) and relatively tight liquidity conditions that reflected, inter alia, elevated tax payment obligations of the private sector in this period - an estimated €11 billion of tax payments in the first quarter of 2013 (5,7% of GDP), on a cash basis. Business investment remained on a declining path in the first quarter of 2013 (by 1,8% year-on-year versus 18,7% in the first quarter of 2012 and 3,8% of GDP cumulatively since 2008) as a still uncertain outlook, relatively tight liquidity conditions and a low level of capacity utilization in many sectors continue to hold back investment decisions. Net exports added almost 1,8% in real GDP growth in the first quarter of 2013, on the back of a further decline in imports (by 7,8% year-on-year, in constant prices), while the exporting performance remained subdued mainly due to the weak EU demand.

External adjustment continued in the first half of 2013 with the annual contraction in current account deficit (“CAD”), maintaining the strong momentum of 2012, when the Greek CAD contracted by 68% year-on-year to 3,4% of GDP. Increasing evidence of a strong rebound in tourist revenue in the second quarter of 2013 (indeed, travel receipts increased by 17,8% in the first half of the year, following the rise in tourist arrivals by 12,3%), in conjunction with rising merchandise export orders and relatively stable energy prices, are expected to contribute to a further drop in the CAD to a nearly balanced position.

The contraction of residential investment continues at an unabated pace (by 34,4% year-on-year in the first quarter of 2013), as the sharp drop in disposable income, tight liquidity conditions and elevated taxation on real estate property led to a further drop in demand and

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accentuated excess-supply pressures in this market. Indeed, residential prices have declined by 31% since their peak in the third quarter of 2008 until the second quarter of 2013, while the stock of unsold houses (built post 2002) remains at historically high levels.

Labor market conditions remain very challenging, with economy-wide employment registering a further drop of 5,5% year-on-year in the first five months of 2013 and the unemployment rate reaching 26,9% during the same period (data adjusted for seasonality). However, significant progress in wage adjustment (decreased by 23% peak-to-date) and improving employment prospects in tourist-related activities are laying the foundation for a gradual slowing in the annual pace of employment contraction in the second quarter and especially in the third quarter of 2013.

Liquidity conditions in the Greek economy remain tight, as bank lending to the private sector continued to contract (by 4,1% year-on-year in the first half of 2013), while the cumulative increase in bank deposits of the private sector during the second half of 2012 and the first five months of 2013 (€8,2 billion) is only a fraction of the €25,5 billion contraction registered in the first half of 2012 and about €97 billion between September 2009 and June 2013. The increasing pace of clearance in government arrears (about €2 billion of final payments in the first five months of 2013 versus approvals of €3,2 billion), which is expected to accelerate further in the second half of 2013, higher EU transfers (increased by 24% year-on-year in the first five months of 2013), in conjunction with an envisaged normalization in public investment program payments (payments up to €4,7 billion are budgeted for the last five months of 2013) are expected to contribute to a gradual improvement in liquidity conditions and activity trends in the following quarters.

The successful completion of the 3rd and 4th Programme Reviews in the first seven months of 2013 and the concomitant disbursement of €5,8 billion of funding in the third quarter of 2013 and of another €1,0 billion in the fourth quarter of 2013, which are estimated to fully cover government financing needs in the second half of 2013, will contribute to a further reduction of uncertainty. This development, if combined with the achievement of a small primary surplus in the general government budget in 2013 (with government-budget implementation trends remaining in line with this target in the first half of 2013) and the acceleration of structural reforms (especially reforms of the public administration and tax collections) would considerably improve the growth outlook for Greece.

During the first half of 2013 the Greek banking system entered a crucial phase for its future structure and capacity, as capital increases of core and non-core banks were performed within a strict timeframe (by end-June 2013). As expected, this process led to further consolidation of the banking sector, as smaller credit institutions which could not be recapitalized with private funds were absorbed by core banks. Recapitalization was complemented by other actions, including liability management exercises and the sale of non-core assets, which further strengthened banks’ capital adequacy.

Another event that earmarked banking developments in Greece was the outbreak of the Cyprus crisis in April 2013, which nevertheless had limited effect on the Greek banking system, despite the close interaction of the two economies and the substantial presence of Cypriot banks in Greece. The timely transfer of domestic franchises of those banks to a Greek bank eliminated risk for depositors, minimized contagion risk and resulted in a smooth transition.

Even though the prolonged recession of the economy continued to put pressure on banking activities, the retail funding base of Greek banks has shown signs of recovery since mid-2012. Banks’ liquidity position has improved, as deleveraging continued, while dependence on central bank funding decreased and financing via the emergency liquidity assistance mechanism (“ELA”) was minimized. Also on the positive side, the generation of non-performing loans exhibited clear signs of deceleration, following a year of record high formation.

Banks intensified their efforts to contain operating costs, especially staff costs. To this end, a new collective agreement was signed with OTOE (the Federation of Greek Banks Employees), leading to a further cut of about 9% (6% effective in July 2013 and 3% effective in the first quarter of 2014 following the abolition of the balance sheet bonus).

The successful capital increases of core banks, which raised almost €3 billion from private investors, is a vote of confidence to the recovery prospects of the Greek economy and provide fuel for future development of banking business.

In the first half of 2013, the macroeconomic picture in Turkey was mixed. Economic growth accelerated and the banking sector performance remained robust; however, external imbalances worsened. Indeed, the Turkish economy seems to have gained momentum in the first half of 2013, in view of the first quarter growth performance (up to a 4-quarter high of 3% year-on-year, from a trough of 1,4% year-on-year in the fourth quarter of 2012 and 2,2% year-on-year in the full-year 2012) and most of leading indicators, despite the ongoing slowdown of the global economy and the continued fiscal consolidation (the 12-month rolling fiscal deficit stood at 1,3% of GDP in June against 2% of GDP in December 2012). Interestingly, the pick-up in economic activity was driven by domestic demand, for the first time since mid-2011, underpinned, inter alia, by a loose monetary policy stance and buoyant credit activity. The central bank average effective funding rate moderated to 5,3% in the first half of 2013 from 7,6% in 2012 and the lending to the private sector growth accelerated sharply to 24,9% year-on-year in June from 15,3% in December 2012, despite the authorities’ efforts to contain credit activity growth at 15% and the tightening liquidity of the banking sector, with the loan-to-deposit ratio largely exceeding the 100% threshold, standing at 109% in June, up from 101% in December 2012 and 97% in December 2011. Looking ahead, economic activity is set to strengthen in the second half of the year, albeit at a slower pace than previously expected, mainly due to a tightening of the monetary policy stance. Indeed, on 23 July 2013, the central bank initiated a cycle of monetary policy tightening by increasing its overnight lending rate by 75 bps to 7,25%, in an effort to contain the deterioration in inflation expectations and promote financial stability, in the face of rapid credit growth and subsiding capital inflows. It increased its overnight lending rate twice since then by a total of 125 bps to 7,75%.  The full-year 2013 GDP growth is standing at its long-term potential of 4%, down from the initial forecast of 5,3% but up from the 2012 outcome of 2,2%.

On a negative note, the acceleration in economic activity was accompanied by a widening of the current account deficit, which stood at 6,6% of GDP in June in 12-month rolling terms, compared with 6% in December 2012. Financing the current account deficit had been

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manageable until end-May; however, the quality of the financing had remained poor, as the bulk of the current account deficit continued to hinge on short term financing (large portfolio inflows and repatriation of bank and non-bank residents’ assets abroad). Against this backdrop of poor quality of financing, the economy and the domestic currency would remain vulnerable to sudden shifts in global investor sentiment, due to fears of earlier-than-expected tapering of quantitative easing by the Fed and, to a lesser extent, risks of renewed political tensions, especially in the build up to the double elections next year.

In line with the improving operating environment in the first half of this year, the fundamentals and the performance of the Turkish banking sector remained strong. Specifically, in the first six months of this year, the return on average equity ratio stood at 15,3% (annualised) against 15,7% in 2012, the non-performing loans-to-total loans ratio remained broadly unchanged from its 2012 level of 2,8%, and the capital adequacy ratio moderated slightly to 16,3% in the first five months of this year from 17,9% in 2012, well above the statutory threshold of 12%, in line with the acceleration of lending activity.

In the first half of 2013, the macroeconomic picture in South Eastern Europe — 5 (“SEE-5”, comprising Albania, Bulgaria, FYROM, Romania and Serbia) improved. Economic activity seems to have strengthened in the first half of 2013, in view of the first quarter growth performance (up to 1,9% year-on-year from 0,4% year-on-year in the full-year 2012) and a large number of leading indicators, despite the recession in the region’s main trading partner, the Eurozone, the absence of fiscal stimulus (the 12-month rolling fiscal deficit stood at 2,7% of GDP in June against 2,8% of GDP in December 2012), and further weakening in credit activity. Note that growth of credit to the private sector turned negative at 1,1% year-on-year in June, down from 3,1% year-on-year in December 2012, on the back of i) shrinking financing of the majority foreign-owned banking sector by parent banks, reflecting continued pressures on their capital positions at home, and ii) bank tight credit standards, stemming from their efforts to contain the deteriorating asset quality (with the non-performing loan ratio at the level of 19% in the first quarter of this year) and protect their capital. The pick-up in economic activity was driven by net exports, reflecting mainly a strengthening of the export base and increasing export diversification. Looking ahead, economic activity is set to keep momentum in the second half of the year, underpinned by a strengthening of domestic demand, reflecting mainly a normalisation of agricultural output (agriculture shaved off 1,4% from headline growth in 2012) and a less restrictive income policy. The full-year 2013 GDP growth is standing at around 2%, still below its long-term potential of 3,5% but well above the 2012 outcome of 0,4%.

On another positive note, the adjustment in external imbalances, started in 2009 in the wake of the global economic and financial crisis, continued, with the 12-month rolling current account deficit declining further to a multi-year low of 2,0% of GDP in June, from 4,6% of GDP in December 2012 and the range of 15%-17% of GDP on the eve of the collapse of Lehman Bros, reflecting not only scarce external financing and weak domestic demand but also stronger exports.

Amid an improving operating environment the fundamentals and the performance of the SEE-5 banking sector improved in the first quarter of this year. Indeed, the bottom line is estimated to have more than doubled to €2,7 billion (annualised) from €1,2 billion (annualised) in the same quarter a year earlier, the creation of non-performing loans decelerated (leading, however, to excessively high non performing loan ratios, ranging between 11,9% in FYROM and 24,0% in Albania, and the capital adequacy ratio strengthened across-the board, ranging between 15,0% in Romania and 20,4% in Serbia).

Analysis of financial figures of the NBG Group

The Group was profitable for a third consecutive quarter, as profit for the period attributable to NBG equity shareholders in the first half amounted to €344 million, including one off items from positive deferred tax amounting to €208 million, despite further impairment on NBG’s stake in Eurobank amounting to €17 million (or a total negative impact of €176 million for the first half of 2013). In addition, the continued upgrade in Greece’s credit rating positively affected profitability and led to the write-back of provisions against claims on the Hellenic Republic totalling €481 million.

The growth in the Group’s core earnings by 8,4% quarter-on-quarter in the second quarter of 2013 to €999 million (versus €922 million in the first quarter of 2013) reflects the gradual reversal of the slowdown in the Group’s business in Greece and SE Europe as well as further cost cutting which continued in both regions and especially Greece. It also reflects the ongoing strong contribution of NBG’s subsidiary in Turkey.

A clear indication of the improving economic climate is the fact that operating profit before provisions more than covers provisioning levels, for the first time in nine quarters.

On a six-month basis, profits totalled €344 million, versus losses of €1.894 million in the first half of 2012. Excluding non-recurring profit and loss, profit for the period attributable to NBG equity shareholders amounted to €312 million in the first half of 2013. The contribution by Finansbank was particularly strong, as it reported a profit for the period of €332 million, while the Group’s SE Europe(1) subsidiaries posted profits for the period of €6 million, versus losses of €13 million in the first half of 2012.

In the first half of 2013, staff expenses in Greece fell by 11,6% year-on-year, while total expenses (excluding non-recurring general and administrative expenses) posted a 7,9% reduction. Cost cutting in the sphere of operating expenses continued in SE Europe, down by 2,9% year-on-year, thus contributing to the Group’s core profitability. Including the rapidly growing footprint of Finansbank in Turkey (101 new branches were opened in the course of the past twelve months), the Group’s expenses in the first half of 2013 posted a marginal increase, up 2,8% year-on-year. Domestic operating expenses will decline further in the second half of 2013, due to the impact of both the new Collective Labor Agreement that comes into effect as of 1 July 2013 and discontinuation of the balance-sheet bonus from next year.

(1) SE Europe includes the Group’s businesses in Bulgaria, Romania, Serbia, Albania and the Former Yugoslav Republic of Macedonia.

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With respect to the quality of the Group’s loan book, it is particularly encouraging that the slowdown in new loan delinquencies in Greece has continued, while they posted a further significant decline in the second quarter of 2013 in SE Europe. More specifically, new delinquencies at Group level totalled €1,2 billion in the first half of 2013, while at the peak of the crisis in the first half of 2012 delinquencies had topped €2,3 billion. As a result, provisions were reduced to €853 million in the first half of 2013, compared with €1.202 million a year earlier. Nevertheless, the Group maintains high provision coverage levels, at 56,0% (versus 54,4% at the end of the first quarter of 2013), this level being among the highest in the market.

Ongoing improvement in liquidity is another positive development. Specifically, the 10,2% year-on-year growth in the Group’s deposits, coupled with the contraction of the loan book after provisions by 3,7% over the same period, has led to an improvement in the liquidity ratio (loans-to-deposits) to 102,2% at Group level, versus 115,8% in June 2012. In Greece the loan-to-deposit ratio stood at 92,9% (improved by 17,5% year-on-year) thereby placing NBG comfortably in the best position in the domestic market in terms of liquidity. This development comprises tangible evidence of NBG’s sound liquidity and its improved ability to channel funding for the growth of the Greek economy. It is notable that the corresponding ratio for SE Europe, which stood at 103,5% (an improvement of 22,5% year-on-year), is low relative to peers in the same markets, while it has decreased by half when compared with pre-crisis levels. In Turkey the said ratio posted an improvement of 9,3% year-on-year to 109,3% at the end of the first half, while there was also a significant improvement in the deposit mix due to the higher share of low-cost sight deposits.

As regards capital adequacy, the Core Tier I ratio stood at 9,2% following the successful share capital increase with private sector participation. The said ratio does not take into account the positive impact of the measures which are underway within the framework of the Group’s capital strengthening plan.

Greece: The improvement in the economic climate is reflected in the positive course of core profit and the reduction of provisions

In the first half of 2013, profit for the period attributable to NBG equity shareholders from domestic business totalled €5 million, against losses of €2.133 million in the same period in 2012. The main contributors to this performance were:

i.                  11,7% growth in operating income to €774 million, versus €693 million in the first half of 2012,

ii.               the contraction of operating expenses by 6,4% year-on-year (or 8% excluding non-recurring general and administrative expenses related to the aborted merger of NBG with Eurobank),

iii.            the elimination of trading losses (losses of €3 million versus €346 million in the first half of 2012),

iv.           36,1% reduction in provisions, to €633 million, as a result of the significantly lower new NPLs in the first half of 2013,

v.              the additional write-back, in the second quarter of 2013, of provisions against claims on the Hellenic Republic totalling €199 million.

The steady improvement in net interest income (“NII”) for the second consecutive quarter suggests that the downward cycle is bottoming out. Specifically, the further reduction in funding from the Eurosystem by €9,2 billion (€25,5 billion at the end of June 2013, versus €34,7 billion a year earlier) contributed significantly to the growth in NII. To an even greater extent this performance was boosted by the improvement in the funding mix from the Eurosystem, since the Bank’s exposure to high-cost funding via the Emergency Liquidity Assistance (“ELA”) mechanism, has been drastically reduced from the 100% at the beginning of the year. According to August data, NBG’s exposure to the ELA is now below the €1 billion mark.

The 10,4% growth in deposits from the low level of June 2012, that coincided with the peak in a series of destabilizing pressures in Greece, reflects renewed confidence of depositors in NBG and the Greek banking system more generally. Specifically, both sight and term accounts posted growth of 21,1% and 24,7% respectively versus the first half of 2012, while savings deposits declined by 6,4% in the same period.

Loans and advances to customers, before deduction of provisions, decreased by 5,7% year-on-year to €43,2 billion (before adding loans worth €1,1 billion from FBB). Over the same period, NBG’s loan portfolio contracted at a slightly slower pace than the loan portfolio of the market as a whole (7,0%).

There was a significant slowdown in new loan delinquencies in the first half of 2013, as they totalled €835 million, versus €2.0 billion in the first half of 2012, while the +90 dpd loan ratio stood at 25,4% (excluding FBB) versus 19,3% a year earlier. The provision coverage ratio for +90 dpds continues to remain high at 56,3%, the highest level among domestic systemic banks.

Over the coming quarters, the integration of the healthy part of Probank should provide a boost to our domestic business performance, as the merged entity holds an attractive asset portfolio, ample liquidity and young, highly skilled staff. It is distinguished by its specialization in financing SMEs, with this segment comprising the largest share of its loan portfolio. The absorption of Probank will enhance the Group’s liquidity and its share of the SME market, while the synergies arising from the merger should be in the order of €110 million by 2015.

Finansbank: Profitability continues to grow dynamically — and remains resilient in the face of market volatility

The profit for the period attributable to NBG equity shareholders of Finansbank in the first half of 2013 stood at TL791 million (€332 million), up by 32,3% year-on-year on a constant currency basis. This impressive result was achieved due to a 19,1% improvement in core revenues, on the back of increases in NII, up 26,0%, and fees, up 12,2% year-on-year, despite the loss of income following the sale of the insurance business in the fourth quarter of 2012. Interest margin improved further, reaching 721 bps at the end of the second quarter of

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2013 (up by 78 bps on the previous quarter, and by 45 bps year-on-year), as the cost of deposits continues to decline (after reaching a peak in the second quarter of 2012).

The efficiency ratio (cost/income) improved to 42,6% versus 43,7% in the first half of 2012, despite the substantial 23,9% growth in operating costs that reflects Finansbank’s rapid network expansion (by 101 new units), and the increase in its staff by 2.000 employees.

Finansbank’s total lending amounted to TL45,2 billion (€17,9 billion), up 16,7% year-on-year. As a result of Finansbank’s credit expansion strategy, the retail portfolio grew by 18,5% year-on-year to TL26,0 billion, while the business banking portfolio grew by 14,4% year-on-year to TL19,2 billion.

The +90 dpd loan ratio was kept at 5,2% versus 5,1% in June 2012, presenting however a decline on the first quarter (5,8%), due to the sale of part of the NPL portfolio. Applying a conservative provisioning policy, Finansbank’s provisions in the first half reached TL360 million (up by 35,4% year-on-year), while the NPL coverage ratio stood at 68,7%.

Total deposits grew by 20,6% year-on-year to TL35,1 billion. The loan-to-deposit ratio on bank level stood at 109,3% (including the private sector bond issue of TL1,5 billion) versus 118,6% a year earlier.

The strong capital base of Finansbank comfortably supports the dynamic growth of its balance sheet, while its Total Capital Adequacy Ratio (CAR) of 18,8% (despite the strong correction in the price of Turkish bonds in May) is the highest among its peers. It should also be noted that, compared with other Turkish banks, Finansbank has the lowest exposure to Turkish government bonds.

SE Europe: Back to profitability by stabilizing revenues and enhancing asset quality

In the first half of 2013 the Group’s businesses in SE Europe posted profit of €6 million, versus negative results in the first half of 2012. A key contributing factor to this positive result was the stabilization in the growth rate of NPLs, reflecting the accelerating normalization of economic activity in the region, enabling a reduction in provisions versus 2012 and the stabilization of net interest income. NII were impacted indirectly by the lower funding costs brought about by the improved climate in Greece. In addition, the policy to streamline operating costs was continued, generating a further reduction of 2,9% year-on-year.

The liquidity ratio improved further as deposits increased by 13,1% year-on-year (to €5,3 billion), while the Group’s market share in the region improved by 40 bps to 5,8%. Note that the improvement in the liquidity of the Group’s SE Europe subsidiaries throughout the crisis led to a significant compression of the gap between net loans and deposits to €212 million at the end of the first half of 2013 versus €1.227 million a year earlier, posting a decline of €1,0 billion over the same period. Accordingly, this gap is now covered by 5,6 times by the Group’s own funds. As a result of the substantial reduction in the funding gap and the deleveraging of the loan book, the loan-to-deposit ratio decreased to 103,5% at the end of the first half of 2013, compared with 126,0% a year earlier and 160% before the crisis, and is among the lowest in the region.

Total lending declined by 4,7% to €6,3 billion versus €6,6 billion at the end of June 2012, while the Group’s market share stood at 6,2%.

The quality of the loan book is showing clear signs of improvement, as collection of loans in arrears approached (for the first quarter) the generation of new +90 dpds. The +90 dpd loan ratio stood at 24,4% in the first half of 2013, while if the impact of deleveraging is excluded from the figure, the said ratio stands at 24,0%. The NPL coverage ratio increased to 50,6% versus 45,2% at the end of June 2012. In the case of retail NPLs the coverage ratio amounted to 65,7%.

Uncertainties, risks and prospects for the future

The growth rate of the global economy is expected to increase slightly in the second half of 2013, and in the course of 2014, mainly underpinned by the ongoing significantly loose monetary policy using both conventional and unconventional tools and milder fiscal tightening on most advanced economies. Specifically, we expect global economic growth of 3,2% in 2013 and 3,7% in 2014, from 3,2% in 2012. Although imminent tail risks in advanced economies have diminished, downside global growth risks are expected to dominate and stem from possibly tighter global financial conditions if the anticipated unwinding of monetary policy stimulus in the US leads to sharp portfolio rebalances, a potential escalation in the euro area sovereign cum banking crisis or a slower than expected growth in emerging economies.

Economic activity in Greece is expected to contract by 4,4% year-on-year in 2013, with the quarterly pace of decline slowing significantly to below 0,9% quarter-on-quarter (adjusted for seasonality) in the second half of 2013. In this respect, the transition to positive growth rates in 2014 will be supported by increasing exports and business investment, in conjunction with a significantly lower impact from negative carry and fiscal drag (an estimated combined total of 2,3% compared with about 6,0% year-on-year in full year 2013).

The main downside risks to the baseline scenario for Greece are the following:

First, a significant deterioration in the international economic or financial environment. Second, a potential slippage in the implementation of the ambitious structural reform agenda domestically accompanied by elevated tensions at a political level. Third, a coordination failure among the International Monetary Fund (“IMF”), the ECB and the European Union (collectively referred to as the “Troika”), as regards the provision of necessary supplementary support to Greece for ensuring long-term debt sustainability (along the lines of the Eurogroup agreement on 27 November 2012). Fourth, new pressures on Greece to counteract deviations from fiscal targets, through the implementation of additional measures, which would trigger a new round of political uncertainty. On the positive side, a swift resolution of the issues of debt sustainability and medium-term program financing in conjunction with consolidation of favorable trends in exporting sector (especially tourism) supported by a recovery in the euro area, an interrupted flow of liquidity from EU and the

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public sector and steady improvement in banking system condition could bring forward the turning point of economic activity in the first half of 2014 increasing the momentum of recovery.

The Greek banking system is gradually becoming more compact and efficient, eliminating excess capacity, exploiting synergies and economies of scale. This transformation process is necessary, so that banks will be better equipped to take up their structural role of supporting the Greek economy.

There are downward risks to our 2013 growth forecasts for both Turkey and SEE-5, due to i) a possibility of capital outflow in the second half of the year, on the back of an earlier-than-expected tapering of quantitative easing by the Fed, and ii) weaker-than-expected global activity. Should these risks materialize, the external imbalances would turn better than expected.

Going concern

In June 2013, the recapitalization of the Bank was completed through the share capital increase of €9.756 million of which €1.079 million was contributed by private investors and €8.677 million by the Hellenic Financial Stability Fund (“HFSF”). The HFSF now holds 84,6% of ordinary shares, but HFSF has restrictions on voting rights and on the sale of the shares.

In addition, from 31 March 2013, besides the limit of 8% of capital adequacy ratio, new additional limits of 9% and 6% for Core Tier I and Common Equity ratios respectively for the Group and the Bank, have been established in accordance with Decision 13/28.03.2013 issued by the Executive Committee of the Bank of Greece.

The Core Tier I ratio, calculated in accordance with the above Decision has already increased from 7,8% at 31 December 2012 to 8,3% at 30 June 2013 through a number of completed actions including a Liability Management Exercise, deleveraging and de-risking.  Furthermore, all actions currently completing (e.g. the buy-back of US ADSs and the application of the IRB approach for Finansbank’s loan portfolio) are expected to increase the Core Tier I ratio to 9,2%. In addition, taking into consideration all other actions currently under way, involving the disposal of non-core participations in Greece, the Core Tier I ratio is expected to increase even further.

Although, the Group’s deposits in Greece increased by approximately €2,7 billion in 2013, the crisis in the Greek economy, in conjunction with the strict international supervisory rules, continue to restrict the Bank’s access to liquidity from other financial institutions and therefore the Eurosystem remains a major source of liquidity for the Bank. As of 30 June 2013, the Bank’s funding from the Eurosystem decreased to €25,5 billion (31 December 2012: €30,9 billion) with financial assets of nominal value €22,7 billion (31 December 2012: €18,0 billion) available for further liquidity. As of 27 August 2013, Eurosystem funding had decreased further to €22,2 billion.

Thus, the ability of the Bank to continue as a going concern is dependent on:

a)                 the successful completion of the planned actions in order to comply with the regulatory requirements to maintain a Core Tier I ratio over the minimum threshold of 9,0%; and

the continuing reliance on and the continuation of the Eurosystem liquidity facilities; Management, taking into consideration the measures taken to support the Greek economy as well as the realized and planned actions in order to remedy the capital adequacy of the Group considers that the going concern principle is appropriate for the following reasons:

a)                 the European Commission, the European Central Bank and the International Monetary Fund are expected to continue to provide financial support for Greece;

b)                 the implementation of the additional actions under consideration is expected to increase the Core Tier I ratio over 9,0%;

c)                  the additional support, if this is necessary from the HFSF, on condition that all the requirements provided by the HFSF activation Law to be fulfilled and specifically that of determining the exact funding requirements by the regulatory authorities;

d)                 the Bank is expected to continue to have the ability of issuing and renewing bonds under the Hellenic Republic guarantee in accordance with Greek Law 3723/2008 relating to the Hellenic Republic’s Bank Support Plan;

e)                  the gradual return of deposits to the Greek banking system and to the Bank, and

f)                   the Bank’s largest subsidiary, Finansbank, continues to have access to the international finance markets for raising a significant portion of its funding needs.

Credit risk

Credit risk is the risk of financial loss relating to the failure of a borrower to honor its contractual obligations. It arises in lending activities as well as in various other activities where we are exposed to the risk of counterparty default, such as our trading, capital markets and settlement activities. This is the largest single risk we face. Our credit risk processes are conducted separately by the Bank and each of our subsidiaries. The credit risk procedures established by the subsidiaries are coordinated by the Group Risk Control and Structure Division.

The Group pays particular attention to implementing the highest standards of credit risk management and control.  The Group employs for all facilities credit risk rating and measurement systems, specifically designed to meet the particular characteristics of its various loan exposures.  Active credit risk management is achieved, among others, through: a) the application of appropriate limits for exposures to a particular obligor, a group of associated obligors, obligors that belong in the same economic sector, etc.; and b) the use of credit risk mitigation techniques (such as collateral and guarantees).

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Furthermore, due to current conditions from the global financial crisis, the Bank and each of its subsidiaries, following conservative credit risk policy, maintained high levels of provisions.

Market Risk of the Trading and Available for Sale Portfolios

Management and monitoring

The Bank, in order to ensure the efficient management of market risk, calculates on a daily basis the Value at Risk (VaR) of its Trading and Available for Sale (“AFS”) portfolios. The VaR estimates refer to a 1-day holding period and a 99% confidence interval. The most significant types of market risk to which the Bank is exposed are the following: interest rate risk, equity risk and foreign exchange risk.

Besides the Bank, on a Group level, the most significant source of market risk is related to the portfolio held by Finansbank. For the measurement and management of market risk, the subsidiary calculates on a daily basis the VaR of its Trading and AFS portfolios through the same system that the Bank uses for this purpose.

The Bank has established a framework of VaR limits in order to control and manage more efficiently the risks to which it is exposed. These limits refer not only to specific types of market risk, such as interest rate, foreign exchange and equity risk, but also to the overall risk of the Bank’s Trading and AFS portfolios. The same limit structure is also in place in Finansbank.

In order to verify the predictive power of the VaR model which is used for the estimation of market risk, the Bank conducts backtesting on a daily basis. The aim of backtesting is to examine whether the hypothetical change in the value of the portfolio, due to the actual movements in the prices of the underlying risk factors, is captured by the VaR estimate of that day. Finansbank also performs backtesting on a daily basis, on its Trading and AFS portfolios.

The daily VaR estimations refer to “normal” market conditions. However, supplementary analysis is necessary for capturing the potential loss that might arise under extreme and unusual circumstances in the financial markets. Thus, the Bank conducts stress testing on a weekly and a monthly basis, through the application of different scenarios depending on the type of risk factor (interest rates, stock index prices, exchange rates). Stress testing is performed on both the Trading and the AFS portfolios. Moreover, stress test analysis is also performed by Finansbank on a monthly basis, on its Trading and AFS portfolios. The scenarios refer to extreme movements of interest rates and foreign exchange prices and are based on the latest financial crises which have taken place in Turkey.

Debt securities in issue, other borrowed funds and preferred securities

On 20 March 2013, Finansbank issued TL 400 million Fixed Rate Notes maturing in 6 months, bearing a 7,2% coupon payable together with the principal on maturity.

On 4 April 2013, Finansbank issued TL 476 million Fixed Rate Notes maturing in 6 months and bearing a 7,0% interest rate.

On 19 April 2013, Finansbank issued TL 124 million Fixed Rate Notes, maturing in 12 months and bearing a 7,8% interest rate.

On 26 June 2013, Finansbank issued bonds with nominal value of TL 525 million maturing in 6 months and bearing a 7,4% interest rate.

On 2 May 2013 and 26 June 2013, in the context of the Bank’s participation in the Hellenic Republic’s Bank Support Plan (Law 3723/2008 — Pillar II), the Bank issued Floating Rate Notes of €4.500 million and €4.266 million, respectively, bearing an interest rate of three-month Euribor plus a margin of 1.200 bps and three-month Euribor plus a margin of 800 bps, respectively. These Notes are held by the Bank and therefore, are not presented as liabilities on the Group’s and the Bank’s Statement of Financial Position.

On 5 August 2013, the Bank utilized from the European Investment Bank Global Loan facility an amount of €50 million, which matures on 7 August 2023 and bears an interest rate of 2,52%.

On 6 August 2013, the Bank renewed its borrowing of Greek Government bonds of €787 million maturing on 25 April 2016, under the provisions of Law 3723/2008 (Pillar III).

On 9 August 2013, the Bank proceeded with the cancellation of covered bonds of €500 million related to the 5th series under its €15 billion covered bond program (Program II) established in June 2010.

Tender Offer to buy back the five series of Hybrid Instruments — repurchase of Preferred Securities

On 23 May 2013, the Bank announced the results of the Tender Offer, which commenced on 8 May 2013 and expired on 22 May 2013, for the buyback of up to the total amount of the five different series of preferred securities (hybrid instruments) issued by its subsidiary NBG Funding Limited. Based on the total nominal values of the securities, which were offered in the Tender Offer, the Bank has calculated that the final amount of the total nominal value accepted for repurchase is as follows:

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(1)                     For every series, the defined as the current total nominal value of the relevant Series less (a) the Titles that have been purchased by the Bank before the commencement of the Tender Offer and (b) the Titles that have been purchased by the Bank according to the Tender Offer.

The profit that resulted from the buy back of the hybrid instruments for the Group and the Bank amounted to €54 million.

The expiration deadline for the repurchase of the securities in offer by the Bank was 27 May 2013. The repurchase was funded by the Bank’s own existing funds.

Tender Offer to buy back American Depositary Shares

On 31 May 2013, the Bank announced an offer to purchase for cash 22.500.000 out of the 25.000.000 outstanding American Depositary Shares (the “ADSs”) upon the terms and subject to the conditions set forth in the Offer to Purchase. On the terms and subject to the conditions of the Offer, the Bank is offering to pay USD12,50 per ADS net to the seller in cash, less any applicable withholding taxes and without interest, after deduction of any other applicable fees and taxes.

The Offer aimed to generate Core Tier I capital for the Bank and to further strengthen the quality of its capital base.

As of 28 June 2013, which was the expiration time of the Offer, 12.360.169 ADSs were validly tendered, representing approximately 49,4% of the ADSs outstanding at the expiration time. Based on the results of the Offer, the aggregate purchase price for the tendered ADSs was approximately USD155 million settled on 3 July 2013.

Therefore, following the purchase of the ADSs, 12.639.831 ADSs remain outstanding. The Bank will submit for cancellation any ADSs purchased pursuant to the Offer, and will cancel the Preference Shares represented thereby, subject to the requisite corporate approvals for cancellation of the Preference Shares.

Acquisitions, disposals and other capital transactions

Disposal of non-core participations

On 16 January 2013 the Bank announced that, in agreement with the Hellenic Republic Asset Development Fund S.A. (“HRADF”), it launched an international open competitive process for the identification of an investor, within the framework of a proposed joint exploitation of assets of the NBG Group and the HRADF at the “Mikro Kavouri” peninsula of Vouliagmeni (the “Process”). Upon completion of the Process, it is expected that Astir Palace Vouliagmenis S.A. will cease to be a subsidiary undertaking of the Bank. The Process forms part of NBG’s capital enhancement plan and reflects the overall strategic approach of NBG in connection with the disposal of non-core participations of the Group. The prequalification phase of interested parties was completed in the second quarter of 2013. A selected number of parties have been invited to participate in Phase 2 of the Process, upon entering into confidentiality agreements with NBG and the HRADF, and are currently undergoing a due diligence exercise towards submitting binding offers in the fourth quarter of 2013.

Acquisition / deemed disposal of Eurobank Ergasias S.A.

On 5 October 2012, NBG announced a voluntary share exchange offer (the “Tender Offer”) to acquire all the outstanding ordinary registered shares, with a par value of €2,22 per share, issued by Eurobank at an exchange ratio of 58 NBG newly issued ordinary registered shares for 100 Eurobank shares. The Tender Offer was approved by the Hellenic Capital Markets Commission (“HCMC”) on 10 January 2013 and completed in February 2013. As of the date of completion of the Tender Offer on 15 February 2013, 84,4% of Eurobank’s shareholders had tendered their shares pursuant to the Tender Offer.

On 28 March 2013, the Bank of Greece sent letters to the Bank and Eurobank, stating that each bank would have to proceed with the recapitalization which would have to be completed by the end of April 2013 and requesting them to proceed to the relevant necessary actions. On 1 April 2013, the Bank, jointly with Eurobank, sent to the Bank of Greece a letter requesting a formal extension for the recapitalization to 20 June 2013. In this letter, the Bank stated that an extension would allow the Bank adequate time to complete the merger with Eurobank and proceed with the recapitalization as a combined entity. This request was not approved by the Bank of Greece.

On 7 April 2013, the Bank of Greece announced that the recapitalization process for the four major banks (NBG, Eurobank, Alpha Bank and Piraeus Bank) would proceed. On 8 April 2013, the Bank and Eurobank issued a press release stating that the two banks, in agreement with the institutional authorities, would be recapitalized fully and independently of one another. Accordingly, the merger process was suspended.

On 22 April 2013, Eurobank’s board of directors announced that it would propose at the general shareholders meeting on 30 April 2013, that all rights be issued without offering preemptive rights to the existing shareholders. On 30 April 2013, this proposal was approved at the general shareholders meeting. As a result, the recapitalization of Eurobank through the HFSF completed on 31 May 2013, led to the

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Bank’s shareholding in Eurobank being reduced to 1,2%, with the HFSF having full voting rights for the Eurobank shares it acquired.

As a result of the above, as of 31 May 2013, the Bank’s investment in Eurobank is accounted for as an AFS investment.

Acquisition of KARELA S.A.

On 15 February 2013, NBG PANGAEA REIC acquired 100% of the share capital and obtained control of KARELA S.A. which is the owner of an office building superstructure of total gross area 29.900 sq.m. on a plot of total area 35.670 sq.m. located in Paiania Attica. The building at the date of acquisition was already leased to a third party. The consideration paid amounted to €56 million in cash. The acquisition was part of NBG PANGAEA REIC investment policy and within the normal course of business of NBG PANGAEA REIC in order to increase its presence in the real estate market.

The acquisition of “selected” assets and liabilities of First Business Bank (“the FBB”)

On 10 May 2013 the Bank, acquired, free of any consideration, selected “healthy” assets and liabilities of FBB which is under special liquidation following the decision 10/1/10.05.2013 of the Bank of Greece Resolution Measures Committee. The Bank acquired FBB’s network of 19 branches with the personnel and FBB’s operations that is customers transactions, deposits and loans.

Based on a preliminary analysis of the unaudited accounting records of FBB as of 10 May 2013, the provisional values of the assets acquired and liabilities assumed from FBB are presented below.

The “Receivable from HFSF” amount represents the difference between the value of the transferred assets and liabilities (funding gap) that will be covered by the HFSF according to the existing legal framework, which will have the effect of providing additional liquidity to the Bank. The Bank of Greece in accordance with its decision 10/2/10.5.2013 determined the funding gap based on financial information of FBB as of 31 March 2013 to €524 million. Based on the provisional values of FBB’s assets acquired and liabilities assumed as of 10 May 2013, the funding gap has been revised to €607 million. As of 30 June 2013 HFSF has already contributed to the Bank as an advance, European Financial Stability Facility (“EFSF”) bonds, with nominal value of €350 million.

Furthermore, the capital needs due to the acquisition of FBB will be covered by the HFSF.

The acquisition of “selected” assets and liabilities of PROBANK S.A. (“Probank”)

On 26 July 2013 the Bank acquired, free of any consideration, selected “healthy” assets and liabilities of Probank which is under special liquidation following the decision 12/1/26.7.2013 of the Bank of Greece Resolutions Measures Committee. The Bank acquired Probank’s network of 112 branches with the personnel and Probank’s operations that is customers transactions, deposits and loans.

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Based on the preliminary analysis of the unaudited accounting records of Probank as of 26 July 2013, the provisional values of the assets acquired and liabilities assumed from Probank are presented below:

The “Receivable from HFSF” amount represents the difference between the value of the transferred assets and liabilities (funding gap) that will be covered by the HFSF according to the existing legal framework, which will have the effect of providing additional liquidity to the Bank. The Bank of Greece in accordance with its decision 12/2/26.7.2013 determined the funding gap based on financial information of Probank as of 31 March 2013 at €237 million. Based on the provisional values of Probank’s assets acquired and liabilities assumed as of 26 July 2013, the funding gap has been revised to €380 million. On 12 August 2013 HFSF has already contributed to the Bank as an advance of €158 million in cash.

Furthermore, the capital needs due to the acquisition of Probank will be covered by the HFSF.

Transactions with related parties

Based on the existing regulatory framework, the Group must disclose any transaction between the Bank and all related parties as defined in IAS 24, which took place during the first half of 2013. Management’s total compensation, receivables and payables must also be disclosed separately.

Group and Bank transactions with Board of Directors members and Management for the first half of 2013

Intercompany transactions as of 30.6.2013 — Bank

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Transactions with other related parties

The total receivables of the Group and the Bank from the employee benefits related funds as at 30 June 2013, amounted to €538 million.

The total payables of the Group and the Bank to the employee benefits related funds as at 30 June 2013, amounted to €120 million and €48 million respectively.

Transactions with HFSF

In the context of Law 3864/2008 regarding the recapitalization of the Greek banks and subject to a pre-subscription agreement, the HFSF, which is considered by the Bank to be a related party as defined in IAS 24,  had contributed an amount of €9.756 million EFSF bonds as an advance for the participation in the Bank’s planned share capital increase.

The share capital increase was completed in June 2013 and an amount of €1.079 million was covered by private investors. The HFSF contribution in the share capital increase eventually amounted to €8.677 million and the excess amount was returned out of the advance. Furthermore, the Bank paid €90 million to HFSF as underwriting fees.

Subsequent to the recapitalization of the Greek banks, the HFSF as at 30 June 2013, controls Eurobank, New TT Hellenic Postbank and New Proton Bank and therefore these banks are also considered to be related parties to the Bank. As at 30 June 2013, the outstanding transactions with the above mentioned banks were conducted under the normal course of business and comprised deposits and placements.

Following the acquisition by the Bank of “selected” assets and liabilities of FBB, the HFSF will cover the difference between the value of

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the transferred assets and liabilities (funding gap), which was estimated to €607 million (see Note 14 for further details). The HFSF has already contributed to the Bank (as an advance) EFSF bonds amounting to €350 million relating to FBB and therefore the Bank’s receivables from HFSF in regards to FBB amount to €257 million.

Athens, 29 August 2013

THE CHIEF EXECUTIVE OFFICER

ALEXANDROS G. TOURKOLIAS

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Auditors’ Review Report

on the interim financial report for the period ended 30 June 2013

TRANSLATION

REVIEW REPORT ON INTERIM FINANCIAL INFOMATION

To the Shareholders of “NATIONAL BANK OF GREECE S.A.”

Introduction

We have reviewed the accompanying condensed stand alone and consolidated statement of financial position of “NATIONAL BANK OF GREECE S.A.” (the “Bank”) and its subsidiaries (the “Group”) as of 30 June 2013, the related condensed stand alone and consolidated statements of income and comprehensive income, changes in equity and cash flows for the six month period then ended, as well as the selective explanatory notes, which together comprise the condensed interim financial information and which represent an integral part of the six month financial report provided under Law 3556/2007. Management is responsible for the preparation and presentation of this condensed interim financial information in accordance with International Financial Reporting Standards as adopted by the European Union and apply to Interim Financial Reporting (International Accounting Standard “IAS” 34). Our responsibility is to express a conclusion on this condensed interim financial information based on our review.

Scope of Review

We conducted our review in accordance with the International Standard on Review Engagements 2410, “Review of Interim Financial Information performed by the Independent Auditor of the Entity”. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing and consequently it does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly we do not express an audit opinion.

Conclusion

Based on our review, nothing has come to our attention that causes us to believe that the accompanying condensed interim financial information is not prepared, in all material respects, in accordance with IAS 34.

Emphasis of Matter

We draw attention to note 2.2 to the condensed interim financial information, regarding  “Going Concern” in which it is stated that the Group’s Core Tier I ratio at June 30, 2013 is below the minimum ratio required by Act 13/28.3.2013 of the Executive Committee of the Bank of Greece and which describes the respective initiated and planned actions to enhance the capital adequacy of the Bank and the Group and thereby restoring the ratio at least to its minimum levels as well as the existing uncertainties that could adversely affect the going concern assumption. Our conclusion is not qualified in respect of this matter.

Report on Other Legal and Regulatory Requirements

Our review has not revealed any inconsistency or discrepancy in the content of the other information in the six month financial report provided under article 5 of Law 3556/2007 when compared to the accompanying condensed interim financial information.

Athens, 29 August 2013

The Certified Public Accountants

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Statement of Financial Position

as at 30 June 2013

Athens, 29 August 2013

The notes on pages 25 to 49 form an integral part of these financial statements

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Income Statement

for the period ended 30 June 2013