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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
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Bank Of Cyprus
Bank Of Cyprus (BOCHGR) investor relations material
Bank Of Cyprus Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
9M2026 profit after tax rose 9% YoY to €383m; Q3 profit was €131m, flat QoQ, and ROTE was 19.4% in Q3.
Lending and deposits expanded, recurring income grew, and asset quality remained resilient; FY26 ROTE guidance was upgraded to high teens.
Financial highlights
9M NII rose 3% YoY to €565m; Q3 NII increased 4% QoQ to €196m, while NIM was 2.87%.
9M total income was €785m, up 2% YoY; operating profit was €504m, up 2%, and profit before tax rose 10% to €460m.
Recurring non-interest income increased 10% to €201m; total non-interest income was €220m, broadly flat YoY.
Basic EPS was €0.88, up 9%; adjusted recurring profit after tax rose 9% to €370m.
9M new lending totaled €2.4bn, up 9% YoY; Q3 new loans were €803m, up 26% YoY.
Outlook and guidance
FY26 NII guidance increased to €765m from €750m; each additional 25 bps adds ~€17m annual NII.
FY26 ROTE guidance was upgraded to high teens and organic capital generation is expected to exceed 400 bps; 9M organic capital generation was 341 bps.
FY26 loan growth is expected in the high single digits organically, excluding CDB; cost-to-income guidance is below 40%.
FY26 cost of risk is expected to be a small net release; normalized 2027–28 cost of risk is 40–50 bps annually.
Distribution targets are up to 90% of FY26 earnings and up to 100% annually in 2027–28, subject to conditions.
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Latest events from Bank Of Cyprus
- Profit after tax up 7% to €252 mn, ROTE 18.8%, CET1 20.9%, and interim dividend up 20%.BOCHGR
H1 2026 - ROTE above 20%, profit up 4% yoy, 50% payout, CET1 at 19.2%, NPE ratio at 1.9%.BOCHGRH2 2024
- Record lending, strong profits, and high shareholder returns with robust capital in 2025.BOCHGRH2 2025
- Record profits and dividends, digital focus, and resilience amid geopolitical risks.BOCHGRAGM 2026
- Strong profit, robust loan growth, and high capital ratios drive resilient Q1 2026 performance.BOCHGRQ1 2026
- Strong profit, robust capital, upgraded ROTE, and high payout target highlight 9M2025 results.BOCHGRQ3 2025
- Profit after tax up 15% to €401 mn, ROTE 22.9%, NPE ratio 2.4%, CET1 19.1%, payout target 50%.BOCHGRQ3 2024
- Profit up 9% qoq to €117 mn, ROTE 18.3%, CET1 19.9%, and payout policy upgraded.BOCHGRQ1 2025
- Record profit, robust capital, and higher payout policy support high-teens ROTE outlook.BOCHGRH2 2024 TU
Next Bank Of Cyprus earnings date
Q4 202618 Feb, 2027
Bank Of Cyprus
Next Bank Of Cyprus earnings date
Q4 202618 Feb, 2027
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Frequently asked questions
Bank of Cyprus Holdings Public Limited Company is a financial services institution offering a range of banking and financial products. The company provides services such as retail and corporate banking, wealth management, insurance, and financial advisory services. It serves individuals, small and medium-sized enterprises (SMEs), and large corporations. Key offerings include savings and current accounts, loans, credit cards, and investment products. Bank of Cyprus Holdings is headquartered in Nicosia, Cyprus, and its shares are listed on the ATHEX.