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National Bank of Greece SA – ‘20-F’ for 12/31/12 – ‘EX-12.1’

On: Thursday, 5/2/13, at 4:39pm ET · For: 12/31/12 · Accession #: 1047469-13-5468 · File #: 1-14960

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 5/02/13  National Bank of Greece SA        20-F       12/31/12  142:37M                                    Toppan Merrill-FA

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 20-F        Annual Report by a Foreign Non-Canadian Issuer      HTML   4.94M 
 2: EX-1        Underwriting Agreement                              HTML    283K 
 3: EX-8        Opinion of Counsel re: Tax Matters                  HTML    145K 
 5: EX-13.1     Annual or Quarterly Report to Security Holders      HTML     38K 
 4: EX-12.1     Statement re: Computation of Ratios                 HTML     50K 
94: R1          Document and Entity Information                     HTML     59K 
69: R2          Consolidated Balance Sheets                         HTML    209K 
87: R3          Consolidated Balance Sheets (Parentheticals)        HTML     54K 
99: R4          Consolidated Statements of Income and               HTML    251K 
                Comprehensive Income                                             
128: R5          Consolidated Statements of Income and               HTML     50K  
                Comprehensive Income (Parentheticals)                            
73: R6          Consolidated Statement of Equity                    HTML    135K 
86: R7          Consolidated Statement of Equity (Parentheticals)   HTML     84K 
62: R8          Consolidated Statements of Cash Flows               HTML    251K 
49: R9          Consolidated Statements of Cash Flows               HTML     37K 
                (Parentheticals)                                                 
130: R10         Organization                                        HTML     37K  
101: R11         Reporting Currency and Translation Into Us Dollars  HTML     37K  
100: R12         Mergers, Acquisitions, Disposals and New Entities   HTML     70K  
                Established                                                      
108: R13         Cash and Due From Banks                             HTML     41K  
109: R14         Deposits With Central Bank                          HTML     36K  
105: R15         Securities Purchased Under Agreements to Resell     HTML     37K  
110: R16         Interest Bearing Deposits With Banks                HTML     42K  
88: R17         Trading Assets                                      HTML     53K 
96: R18         Derivatives                                         HTML    112K 
103: R19         Investment Securities                               HTML    294K  
141: R20         Equity Method Investments                           HTML     50K  
120: R21         Loans and Allowance for Loan Losses                 HTML    472K  
79: R22         Goodwill, Software and Other Intangibles            HTML     89K 
102: R23         Premises and Equipment and Lease Commitments        HTML     49K  
83: R24         Other Assets                                        HTML     50K 
37: R25         Hellenic Republic Bank Support Plan                 HTML     57K 
122: R26         Pledged Assets                                      HTML     47K  
135: R27         Deposits                                            HTML     74K  
56: R28         Securities Sold Under Agreements to Repurchase      HTML     47K 
55: R29         Other Borrowed Funds                                HTML     59K 
60: R30         Accounts Payable, Accrued Expenses and Other        HTML     49K 
                Liabilities                                                      
61: R31         Insurance Reserves                                  HTML     78K 
63: R32         Long-Term Debt                                      HTML    156K 
23: R33         Commitments and Contingencies                       HTML     59K 
118: R34         Other Fees and Commissions                          HTML     44K  
77: R35         Net Trading Loss                                    HTML     37K 
80: R36         Other Non-Interest Income                           HTML     43K 
42: R37         Other Non-Interest Expense                          HTML     57K 
140: R38         Income Tax Expense                                  HTML    117K  
12: R39         Related Party Transactions                          HTML     53K 
66: R40         Paid-In Capital                                     HTML     60K 
126: R41         Redeemable Non-Controlling Interest                 HTML     40K  
39: R42         Earnings Per Share                                  HTML     47K 
54: R43         Regulatory Matters                                  HTML     84K 
59: R44         Fair Value of Financial Instruments                 HTML    231K 
70: R45         Segment Information                                 HTML    190K 
22: R46         Employee Benefit Plans                              HTML    137K 
48: R47         Share Based Payment                                 HTML     47K 
15: R48         Accumulated Other Comprehensive Income              HTML     54K 
                Attributable to Nbg Shareholders                                 
124: R49         Foreign Exchange Position                           HTML     36K  
38: R50         Post Balance Sheet Events                           HTML     95K 
119: R51         Summary of Significant Accounting Policies          HTML    314K  
                (Policies)                                                       
43: R52         Mergers, Acquisitions, Disposals and New Entities   HTML     50K 
                Established (Tables)                                             
67: R53         Cash and Due From Banks (Tables)                    HTML     40K 
14: R54         Interest Bearing Deposits With Banks (Tables)       HTML     42K 
19: R55         Trading Assets (Tables)                             HTML     44K 
58: R56         Derivatives (Tables)                                HTML     80K 
29: R57         Investment Securities (Tables)                      HTML    258K 
131: R58         Equity Method Investments (Tables)                  HTML     46K  
75: R59         Loans and Allowance for Loan Losses (Tables)        HTML    443K 
106: R60         Goodwill, Software and Other Intangibles (Tables)   HTML     66K  
47: R61         Premises and Equipment and Lease Commitments        HTML     46K 
                (Tables)                                                         
51: R62         Other Assets (Tables)                               HTML     46K 
116: R63         Hellenic Republic Bank Support Plan (Tables)        HTML     49K  
111: R64         Deposits (Tables)                                   HTML     65K  
78: R65         Securities Sold Under Agreements to Repurchase      HTML     46K 
                (Tables)                                                         
114: R66         Other Borrowed Funds (Tables)                       HTML     55K  
44: R67         Accounts Payable, Accrued Expenses and Other        HTML     47K 
                Liabilities (Tables)                                             
84: R68         Insurance Reserves (Tables)                         HTML     81K 
134: R69         Long-Term Debt (Tables)                             HTML    150K  
17: R70         Commitments and Contingencies (Tables)              HTML     42K 
36: R71         Other Fees and Commissions (Tables)                 HTML     42K 
68: R72         Other Non-Interest Income (Tables)                  HTML     42K 
27: R73         Other Non-Interest Expense (Tables)                 HTML     59K 
139: R74         Income Tax Expense (Tables)                         HTML     94K  
40: R75         Earnings Per Share (Tables)                         HTML     43K 
31: R76         Regulatory Matters (Tables)                         HTML     65K 
35: R77         Fair Value of Financial Instruments (Tables)        HTML    198K 
20: R78         Segment Information (Tables)                        HTML    180K 
24: R79         Employee Benefit Plans (Tables)                     HTML    101K 
97: R80         Accumulated Other Comprehensive Income              HTML     49K 
                Attributable to Nbg Shareholders (Tables)                        
33: R81         Post Balance Sheet Events                           HTML     54K 
132: R82         Reporting Currency and Translation Into Us Dollars  HTML     39K  
                (Details)                                                        
64: R83         Mergers, Acquisitions, Disposals and New Entities   HTML    164K 
                Established (Details)                                            
104: R84         Cash and Due From Banks (Details)                   HTML     50K  
113: R85         Deposits With Central Bank (Details)                HTML     37K  
32: R86         Securities Purchased Under Agreements to Resell     HTML     37K 
                (Details)                                                        
34: R87         Interest Bearing Deposits With Banks (Details)      HTML     48K 
129: R88         Trading Assets (Details)                            HTML     59K  
28: R89         Derivatives (Details)                               HTML    115K 
98: R90         Investment Securities (Details)                     HTML    195K 
91: R91         Investment Securities (Details 2)                   HTML    167K 
117: R92         Investment Securities (Details 3)                   HTML    164K  
90: R93         Equity Method Investments (Details)                 HTML     94K 
74: R94         Loans and Allowance for Loan Losses (Details )      HTML    360K 
123: R95         Loans and Allowance for Loan Losses (Details 2)     HTML    469K  
71: R96         Loans and Allowance for Loan Losses (Details 3)     HTML    156K 
41: R97         Goodwill, Software and Other Intangibles (Details)  HTML     59K 
81: R98         Goodwill, Software and Other Intangibles (Details   HTML    129K 
                2)                                                               
76: R99         Premises and Equipment and Lease Commitments        HTML     83K 
                (Details)                                                        
57: R100        Other Assets (Details)                              HTML     85K 
142: R101        Hellenic Republic Bank Support Plan (Details)       HTML     89K  
115: R102        Pledged Assets (Details)                            HTML     50K  
89: R103        Deposits (Details)                                  HTML     92K 
21: R104        Securities Sold Under Agreements to Repurchase      HTML     68K 
                (Details)                                                        
125: R105        Other Borrowed Funds (Details)                      HTML     79K  
133: R106        Accounts Payable, Accrued Expenses and Other        HTML     80K  
                Liabilities (Details)                                            
127: R107        Insurance Reserves (Details)                        HTML    127K  
85: R108        Long-Term Debt (Details)                            HTML    162K 
30: R109        Long-Term Debt (Details 2)                          HTML    172K 
107: R110        Long-Term Debt (Details 3)                          HTML     36K  
46: R111        Commitments and Contingencies (Details)             HTML     62K 
13: R112        Other Fees and Commissions (Details)                HTML     49K 
72: R113        Net Trading Loss (Details)                          HTML     36K 
65: R114        Other Non-Interest Income (Details)                 HTML     52K 
121: R115        Other Non-Interest Expense (Details)                HTML     80K  
50: R116        Income Tax Expense (Details)                        HTML    282K 
137: R117        Related Party Transactions (Details)                HTML     65K  
25: R118        Paid-In Capital (Details)                           HTML     95K 
93: R119        Redeemable Non-Controlling Interest (Details)       HTML     44K 
112: R120        Earnings Per Share (Details)                        HTML     67K  
16: R121        Regulatory Matters (Details)                        HTML    102K 
92: R122        Fair Value of Financial Instruments (Details)       HTML    393K 
82: R123        Segment Information (Details)                       HTML    225K 
18: R124        Employee Benefit Plans (Details)                    HTML    301K 
95: R125        Share Based Payment (Details)                       HTML     67K 
138: R126        Accumulated Other Comprehensive Income              HTML     47K  
                Attributable to Nbg Shareholders (Details)                       
26: R127        Foreign Exchange Position (Details)                 HTML     38K 
52: R128        Post Balance Sheet Events (Details)                 HTML     87K 
136: XML         IDEA XML File -- Filing Summary                      XML    226K  
53: EXCEL       IDEA Workbook of Financial Reports (.xls)            XLS   5.74M 
 6: EX-101.INS  XBRL Instance -- nbg-20121231                        XML   8.68M 
 8: EX-101.CAL  XBRL Calculations -- nbg-20121231_cal                XML    830K 
 9: EX-101.DEF  XBRL Definitions -- nbg-20121231_def                 XML   1.94M 
10: EX-101.LAB  XBRL Labels -- nbg-20121231_lab                      XML   8.50M 
11: EX-101.PRE  XBRL Presentations -- nbg-20121231_pre               XML   4.13M 
 7: EX-101.SCH  XBRL Schema -- nbg-20121231                          XSD   1.44M 
45: ZIP         XBRL Zipped Folder -- 0001047469-13-005468-xbrl      Zip    768K

‘EX-12.1’ — Statement re: Computation of Ratios
Exhibit Table of Contents

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EXHIBIT 12.1

CERTIFICATION

I, Alexandros Tourkolias, certify that:

1.

I have reviewed this annual report on Form 20-F of National Bank of Greece S.A. ("National Bank of Greece");

2.

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.

Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition, results of operations and cash flows of National Bank of Greece as of, and for, the periods presented in this annual report;

4.

National Bank of Greece's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for National Bank of Greece and have:

a): designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to National Bank of Greece, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;
b): designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c): evaluated the effectiveness of National Bank of Greece's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such an evaluation; and
d): disclosed in this report any change in National Bank of Greece's internal control over financial reporting that occurred during the period covered by this annual report that has materially affected, or is reasonably likely to materially affect, National Bank of Greece's internal control over financial reporting.

5.

National Bank of Greece's other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to National Bank of Greece's auditors and the audit committee of National Bank of Greece's board of directors (or persons performing the equivalent functions):

a): all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect National Bank of Greece's ability to record, process, summarize and report financial information; and
b): any fraud, whether or not material, that involves management or other employees who have a significant role in National Bank of Greece's internal control over financial reporting.


Date: May 2, 2013		/s/ *ALEXANDROS TOURKOLIAS* Alexandros Tourkolias Chief Executive Officer

CERTIFICATION

I, Petros Christodoulou, certify that:

1.

I have reviewed this annual report on Form 20-F of National Bank of Greece S.A. ("National Bank of Greece");

2.

3.

4.

a): designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to National Bank of Greece, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;
b): designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c): evaluated the effectiveness of National Bank of Greece's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such an evaluation; and
d): disclosed in this report any change in National Bank of Greece's internal control over financial reporting that occurred during the period covered by this annual report that has materially affected, or is reasonably likely to materially affect, National Bank of Greece's internal control over financial reporting.

5.

a): all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect National Bank of Greece's ability to record, process, summarize and report financial information; and
b): any fraud, whether or not material, that involves management or other employees who have a significant role in National Bank of Greece's internal control over financial reporting.


Date: May 2, 2013		/s/ *PETROS CHRISTODOULOU* Petros Christodoulou Deputy Chief Executive Officer

CERTIFICATION

I, Petros Christodoulou, certify that:

1.

I have reviewed this annual report on Form 20-F of National Bank of Greece S.A. ("National Bank of Greece");

2.

3.

4.

a): designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to National Bank of Greece, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;
b): designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c): evaluated the effectiveness of National Bank of Greece's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such an evaluation; and
d): disclosed in this report any change in National Bank of Greece's internal control over financial reporting that occurred during the period covered by this annual report that has materially affected, or is reasonably likely to materially affect, National Bank of Greece's internal control over financial reporting.

5.

a): all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect National Bank of Greece's ability to record, process, summarize and report financial information; and
b): any fraud, whether or not material, that involves management or other employees who have a significant role in National Bank of Greece's internal control over financial reporting.


Date: May 2, 2013		/s/ *PETROS CHRISTODOULOU* Petros Christodoulou Principal Financial Officer

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EXHIBIT 12.1

CERTIFICATION
CERTIFICATION
CERTIFICATION

Dates Referenced Herein and Documents Incorporated by Reference

This ‘20-F’ Filing	Date	Other Filings

Filed on:	5/2/13	CORRESP
For Period end:	12/31/12	NT 20-F
		List all Filings

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Filing Submission 0001047469-13-005468 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

National Bank of Greece SA – ‘20-F’ for 12/31/12 – ‘EX-12.1’

On: Thursday, 5/2/13, at 4:39pm ET · For: 12/31/12 · Accession #: 1047469-13-5468 · File #: 1-14960

Previous ‘20-F’: ‘20-F/A’ on 6/21/12 for 12/31/11 · Next: ‘20-F’ on 5/15/14 for 12/31/13 · Latest: ‘20-F’ on 5/15/18 for 12/31/17

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34Filing Table of Contents

‘EX-12.1’ — Statement re: Computation of RatiosExhibit Table of Contents

This Exhibit is an HTML Document rendered as filed. [ Alternative Formats ]

Dates Referenced Herein and Documents Incorporated by Reference

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

‘EX-12.1’ — Statement re: Computation of Ratios
Exhibit Table of Contents