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Bank Of Cyprus Holdings Public Limited Company (BOCH) investor relations material
Bank Of Cyprus Holdings Public Limited Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Profit after tax for 9M2025 reached €353 million, with ROTE at 18.4% and CET1 ratio at 20.5%, reflecting resilient profitability and balance sheet strength.
Net interest income for Q3 was EUR 180 million, with 9M2025 total at €548 million, and profitability remained stable despite a lower interest rate environment.
New lending reached €2.2 billion in 9M2025, up 31% year-over-year, mainly from international and corporate demand, with gross performing loans up 6% since December 2024.
Interim dividend of €0.20 per share paid in October 2025, with total 2025 cash dividends at €0.68 per share and a 70% payout ratio reaffirmed.
Strong macroeconomic backdrop in Cyprus, with GDP growth projected at 3.2% for 2025, outpacing the Eurozone, and robust tourism and employment.
Financial highlights
Net interest income for 9M2025 was €548 million, down 12% year-over-year, while non-interest income rose 7% to €219 million, driven by insurance and fee growth.
Cost to income ratio at 35% for the nine months, reflecting good cost efficiency, with total expenses at €301 million and cost to income ratio at 39% for 9M2025.
CET1 ratio at 20.5% and total capital ratio at 25.4% as of 30 September 2025, with organic capital generation of 326 basis points.
NPE ratio at 1.2% and coverage ratio above 100%, with NPE coverage at 124% as of 30 September 2025.
EPS for 9M2025 was €0.81, and tangible book value per share grew 6% year-on-year to €5.86.
Outlook and guidance
2025 ROTE target upgraded to high teens, with expectations to exceed 20% based on a 15% CET1 ratio.
Net interest income for 2025 expected to close around €720 million, with Q4 anticipated as the lowest quarter due to loan repricing.
Cost to income ratio, excluding special levies, expected to remain below 40% for 2025, and cost of risk projected to stay under 40 basis points.
Loan growth for 2025 projected to materially exceed the initial 4% target, likely surpassing 6%, mainly driven by international lending.
Updated strategy and financial targets to be provided in Q1 2026.
Capital deployment beyond 70% payout
International loan book growth strategy beyond EUR 1.5bn
DGF contribution impact on future profitability
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Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q4 202517 Feb, 2026
Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q4 202517 Feb, 2026
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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 LSE.
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