Eurobank summed up the results of 2025, exceeding market expectations and its own forecasts. Net profit per share reached 0.37 euro, with about 50% of the result generated by international divisions. The bank demonstrated steady growth in lending, deposits, and assets under management, and also confirmed strong capital resilience indicators.
The management of the financial group announced its intention to distribute 55% of net profit among shareholders. The total payout will amount to 717 million euro, including cash dividends and a share buyback program. This level of return strengthens Eurobank’s position as one of the most stable banking institutions in the Southeast European region.
Key financial indicators and profitability
Return on tangible equity reached 16%, exceeding initial guidance. Tangible book value per share increased to 2.49 euro, showing solid annual growth. The total capital adequacy ratio remained at 20%, while the CET1 ratio stood at 15.6%, confirming the bank’s strong financial foundation.
Net interest income rose to 2.549 billion euro, despite interest rate cuts by the European Central Bank during the year. Fee income increased by almost 16%, mainly due to the development of the retail network, asset management, and insurance operations following the integration of CNP Cyprus Insurance. Total revenue exceeded 3.37 billion euro.
Adjusted net profit amounted to 1.412 billion euro, while total net profit reached 1.362 billion euro. The final figures include expenses related to voluntary employee exit programs and one-off corporate adjustments. At the same time, the share of international operations in the group’s overall profitability exceeded 52%.
Business growth in Greece, Cyprus, and Bulgaria
In 2025, Eurobank organically expanded its loan portfolio by 5.3 billion euro. The main increase came from Greece, but a significant portion of the growth was generated by international divisions. The total loan portfolio reached 56 billion euro.
Customer deposits increased by 4.1 billion euro and exceeded 82 billion euro. The loan-to-deposit ratio stood at 66.1%, while the liquidity coverage ratio reached 172.2%, indicating comfortable liquidity.
The contribution of international markets was particularly notable. In Cyprus, net profit increased to 491 million euro, while in Bulgaria growth amounted to 8% reaching 224 million euro. Assets under management grew by 30% and approached 10 billion euro, reflecting strong demand for investment products and private banking.
Reduction of non-performing loans and balance sheet strengthening
The non-performing loan ratio decreased to 2.6%, while the coverage ratio reached 95.2%. This is one of the best results in the region, confirming effective risk management. Total group assets reached 108 billion euro, a significant portion of which is concentrated in Greece, Cyprus, and Bulgaria.
Strong balance sheet positions allow the bank to maintain flexibility amid changing monetary policy and potential volatility in European markets.
Development strategy for 2026–2028
Eurobank’s three-year business plan provides further growth in earnings per share by an average of 10% annually and an increase in return on equity to approximately 17% by 2028. The bank expects annual loan growth of around 8%, expansion of assets under management, and a synergistic effect from strengthening its presence in Cyprus and Bulgaria, including anticipated economic changes related to Bulgaria’s integration into the eurozone.
The management is also focusing on diversifying income across banking services, insurance, and wealth management. Additionally, the bank continues to invest in corporate social responsibility, supporting educational projects, the development of the startup ecosystem, and social initiatives in the countries where it operates.
The results of 2025 have reinforced Eurobank’s position as one of the most dynamically developing banks in the region, while its financial performance and ambitious plan through 2028 increase investor interest in the group’s shares and in the Southeast European banking sector as a whole.