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Investor Relations14 Oct 2025
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Alpha Services and Holdings (ACBB) investor relations material
Alpha Services and Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary1 Aug, 2025
Executive summary
H1 2025 profit after tax reached €517mn, up 60% year-over-year, with normalized profit at €460mn and ROTE at 14.2%.
Net interest income declined 5% year-over-year but rose 1% quarter-on-quarter; fee income grew 16% year-over-year and 13% quarter-on-quarter.
NPE ratio improved to 3.5% and cost of risk fell to 45bps, reflecting strong asset quality.
Strategic partnerships with Hellenic Post and UniCredit expanded footprint, revenue streams, and operational integration.
Completed merger by absorption of Alpha Services and Holdings S.A. in June 2025, with group-wide reorganization to enhance efficiency.
Financial highlights
Q2 2025 reported profit after tax was €294mn (+31% quarter-on-quarter), with normalized profit at €221mn.
Operating income for H1 2025 was €1,110mn (+1% year-over-year); operating expenses stable at €418mn.
Tangible book value grew 14% year-over-year to €7.5bn; customer funds reached €71.6bn (+9% year-over-year).
Fully loaded CET1 ratio at 15.7% (16.2% pro-forma); total capital ratio at 21.9% pro forma.
Net interest margin stable at 2.18%-2.2% in Q2/H1 2025.
Outlook and guidance
EPS guidance raised by 2% for 2025 and beyond, with projected annual EPS growth of 9% through 2027.
Revenue expected to exceed €2.2bn for 2025; cost of risk guidance at 45bps.
Ordinary payout set at 50% from 2025, with interim dividend of €111mn proposed for Q4.
ROTE expected at ~13% in 2027, with cumulative capital generation >€3bn for 2025-2027.
Explain the drivers of the 13% QoQ fee growth.
How will ELTA partnership enhance inclusion?
Detail the impact of RWA relief on CET1.
How will ELTA partnership impact Alpha Bank's revenue?
What drove the 13% fee income increase?
What's the outlook on dividend payout for 2025?
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Next Alpha Services and Holdings earnings date
Q3 20257 Nov, 2025
Next Alpha Services and Holdings earnings date
Q3 20257 Nov, 2025
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One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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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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