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Alpha Bank (ALPHA) investor relations material
Alpha Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Nine-month profit after tax reached €704 million, up 44% year-over-year, with normalized profit at €677 million and EPS at €0.27, representing 73% of the annual target and a 13.9% normalized return on tangible equity.
Strategic partnership with UniCredit deepened, with UniCredit increasing its stake to nearly 30%, driving commercial, operational, and systemic benefits, and successful integration of Romanian and Cypriot subsidiaries.
Fee income grew 14% year-over-year to €349 million, driven by asset and wealth management, lending, and transaction banking, with asset management fees and AUM up 17% year-over-year.
M&A activity included FlexFIN, AstroBank, and AXIA Ventures, expected to deliver EPS and RoTE accretion at a 60bps capital cost.
Interim dividend of €111 million to be paid in December, with €352 million accrued for payouts year-to-date and payout ratio accruing at 50%.
Financial highlights
Net interest income for 9M 2025 was €1,197 million, down 4% year-over-year, but up 1% quarter-over-quarter in Q3; fee income up 14% year-over-year.
Operating income for Q3 2025 was €523 million, down 5% quarter-on-quarter due to trading losses from a liability management exercise.
Reported profit after tax for Q3 2025 was €187 million, down 36% quarter-on-quarter due to one-offs; normalized profit was €217 million, flat quarter-on-quarter.
Performing loans grew 13% year-over-year to €35.7 billion, with customer funds up 9% year-over-year to €74.2 billion.
Cost of risk at 44-45bps for Q3 and 9M 2025, in line with guidance.
Outlook and guidance
EPS is guided to grow at a 10% CAGR through 2027, with buybacks potentially increasing CAGR to 14%.
Full-year reported profit expected to exceed €850 million by over 5%, with revenue guidance at €2.2 billion, NII above €1.6 billion, and fees above €460 million.
Loan growth guidance maintained at mid to high single digits, supported by strong corporate demand and improving mortgage trends.
Dividend payout ratio to rise to 50% for 2025, with potential for higher distributions from 2026, subject to regulatory approval.
Investor Day planned for Q2 2026 to unveil a new three-year business plan.
UniCredit partnership: future commercial gains?
Corporate loan spread compression outlook?
Payout ratio increase beyond 2025?
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Next Alpha Bank earnings date
Q4 20255 Mar, 2026
Next Alpha Bank earnings date
Q4 20255 Mar, 2026
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Frequently asked questions
Alpha Services and Holdings is a Greek financial services company. Its operations span across retail banking, corporate banking, asset management and insurance, investment banking, and treasury services, catering to a wide range of clients including individuals, professionals, and companies, both in Greece and internationally. The company is headquartered in Athens, Greece, and its shares are listed on the Athens Stock Exchange.
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