The list below sets out the required documentation for the review of your request, in the frame of the Code of Conduct. At future stages, you may be requested to submit further documentation, depending on the nature of your debts.
Regardless of the nature of your debts, you are required to fill in and submit the Standardised Financial Statement (SFS).
1. Required documentation for natural persons not holding any business products
Individuals not being professionals or sole proprietors
- Valid ID card /passport
- E1 Income Tax Return for the last 3 financial years, along with the Income Tax Clearance forms
- E9 Property Declaration Form for the 2 previous years
- Certification of settlement of tax liabilities due (if applicable)
- As a minimum, the last payslip or the last pension clearance notice for pensioners
- E2 form of the last financial year (in the event of any rents)
- ENFIA declarations of the last year
- For unemployed persons, evidence of unemployment
- If you have applied for retirement, you should submit the said application, duly signed and stamped by your insurance fund. Specifically for clients who have applied for retirement to the Social Security Institution (IKA), the electronic copy of the application is also acceptable without a stamp and signature.
- For pensioners under renewal (due to disability), a medical opinion and the relevant proposal should be submitted.
Individuals who are professionals or sole proprietors (submitting data of the company or business activity)
- Available periodic VAT returns (F2 forms) of the current year and the relevant previous years, and VAT clearance form (F1 form) of the last financial year
- Valid ID card /passport
- E1 Income Tax Return for the last 3 financial years, along with the Income Tax Clearance forms
- E9 Property Declaration Form for the last year
- Certification of settlement of tax liabilities due (if applicable)
- As a minimum, the last payslip or the last pension clearance notice for pensioners
- E2 form of the last financial year (in the event of any rents)
- ENFIA declarations of the last year
- For unemployed persons, evidence of unemployment
- If you have applied for retirement, it is required to submit the said application, duly signed and stamped by your insurance fund. Specifically for clients who have applied for retirement to the Social Security Institution (IKA), the electronic copy of the application is also acceptable without a stamp and signature.
- or pensioners under renewal (due to disability), a medical opinion and the relevant proposal should be submitted.
2. Documentation for natural persons who have debts (also) from business financing and keep class A and B accounting books
Basic Information
- Copies of tax returns: Ε3 form for the last 3 years;
- Copies of the periodic VAT returns of the current year and the respective period of the previous year
- Certificates of business commencement (for recently set up companies) and any changes thereof by the respective Tax Authority
- Copies of the guarantor’s tax returns: E1 forms of the previous year and E9 Property Declaration Form for the previous year, and ENFIA clearance, if any.
- Copies of tax returns of affiliated companies: Ε3 tax form for the last year
- Insurance and tax clearance certificates or certification of settlement of tax liabilities due (if the tax clearance certificate was issued due to settlement)
Additional information in the event of outstanding debts from financing of sole proprietorships
- Copies of tax returns of the business operator: E1 form for the three previous years and E1 form for the previous year, E9 Property Declaration Form for the previous year and ENFIA clearance, if any, along with tax clearance of the last financial year.
- Copy of the business operator’s ID card
Additional information in the event of outstanding debts from business financing of enterprises with annual turnover up to €2.5 million
- Authenticated copies of a full set of the articles of association and any amendments thereto (private agreements)
- E9 Property Declaration Form of the previous year and ENFIA clearance (if any)
- Copies of the partners’ tax returns: E1 tax form for the previous three years and E9 Property Declaration Form for the previous year
- The forms mentioned above under 1, 2, 3 & 6 of section 2(A)
Documentation required under the Code of Conduct
- Business or restructuring plan of the company
- Own shareholdings of key shareholders/ partners to the business plan
- Growth outlook for the sector
- Estimated future cash flows
- Risk factors of the business plan and its impact on the repayment capacity, as well as any measures taken to mitigate such risks or their impact.
3. Documentation for natural persons who have debts (also) from business financing and keep class C accounting category books
Basic Information
- Copies of tax returns: E3 tax form for the three previous years
- Certificates of business commencement (for recently set up companies) and any changes thereof by the respective Tax Authority
- Copies of the guarantor’s tax returns: E1 tax form for the previous year and E9 Property Declaration Form for the previous year, and ENFIA clearance, if any.
- Balance sheets for the last 3 years and the annexes attached thereto (if any)
- Post closing trial balance of secondary accounts for the previous financial year signed by an accountant
- Trial balance of secondary accounts for the last month and the respective period of the previous year, signed by an accountant
- Copies of tax returns of affiliated companies: Ε3 tax form for the last year
- Insurance and tax clearance certificates or certification of settlement of tax liabilities due (if the tax clearance certificate was issued due to settlement)
Additional information in the event of outstanding debts from financing of sole proprietorships
- Copies of tax returns of the business operator: E1 tax form for the previous three years and copies of the guarantor’s tax returns: E1 form for the previous year, E9 Property Declaration Form for the previous year and ENFIA clearance, if any, along with tax clearance of the last financial year.
- Copy of the business operator’s ID card
Additional information in the event of outstanding debts from business financing of enterprises with annual turnover up to €2.5 million
- Authenticated copies of a full set of the articles of association and any amendments thereto (private agreements or Government Gazette publications or GM minutes), depending on the legal form
- E9 Property Declaration Form of the previous year and ENFIA clearance (if any)
- Copies of the partners’/shareholders’ tax returns: E1 tax form for the previous three years and E9 Property Declaration Form for the previous year, and ENFIA clearance, if any.
- The forms mentioned under 1, 2, 4, 5, 6, & 8 of section Basic Information
- Business or restructuring plan of the company
- Own participation of key shareholders/ partners to the business plan
- Development outlook of the sector
- Estimated future cash flows
- Risk factors of the business plan and its impact on the repayment capacity, as well as any measures taken to mitigate such risks or their impact
If any co-borrowers or guarantors exist, all parties to the agreement should submit the documentation required as per each borrower category.
In the event of changes in the above documentation submitted by the borrowers, the Bank should be notified in writing within 15 days at the latest.
Any further documentation requested should be submitted to the nearest Dedicated Contact Point.
Note that regarding the submission of the above supporting documentation, the Bank has the right to verify their accuracy and fullness and search for data on your assets and financial profile in relevant records so as to assess your credit standing, including the records of Tiresias SA. (www.tiresias.gr- tel. 210 3676700), in line with relevant information provided to you, which is also included in the Privacy Statement of NBG (add link).
*To be submitted if not already provided to the Bank for a previous assessment of the business relationship with your company.