In this special "Best and Worst 2013" edition of The Motley Fool's everything-financials show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer tell viewers why National Bank of Greece (NYSE:NBG) lagged the market in 2013. While a turnaround could be near, investors should recognize the difference between the U.S. banking recovery and National Bank of Greece's situation.

David Hanson has no position in any stocks mentioned. Matt Koppenheffer owns shares of Citigroup. The Motley Fool owns shares of Citigroup. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.