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Bank Of Cyprus Holdings Public Limited Company (BOCH) investor relations material
Bank Of Cyprus Holdings Public Limited Company Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Profit after tax for 1H2025 reached €235 mn, with ROTE at 18.4%, exceeding targets, driven by strong new lending and improved liquidity.
New lending totaled €1.6 bn in H1, up 31% year-over-year, mainly from corporate and international demand.
Cost to income ratio at 36% for H1 2025, reflecting disciplined cost management and efficiency.
NPE ratio reduced to 1.7%, with robust asset quality and cost of risk at 32-36 bps.
Interim dividend of €0.20 per share (c.40% payout) announced, with a 2025 distribution target of 70% payout ratio.
Financial highlights
Net interest income for 1H2025 was €368 mn, down 12% year-over-year; net interest margin at 3.05% for H1.
Non-interest income grew 10% year-over-year to €141 mn, covering 77% of Q2 operating expenses.
Total income declined 7% year-over-year to €509 mn; operating profit down 14% to €312 mn.
EPS at €0.54; tangible book value per share up 10% year-over-year.
Retail funded deposit base at €20.9 bn, up 6% year-over-year; cost of deposits at 0.29% in Q2.
Outlook and guidance
2025 guidance targets 70% distribution payout, with interim dividend at c.40% of 1H2025 earnings.
ROTE for FY2025 expected at the upper end of mid-teens; cost to income ratio to remain around 40% in a normalized 2% rate environment.
Loan growth for 2025 likely to exceed 4% target, with growth skewed to 1H2025 and international expansion.
Net interest income for 2025 expected just under €700 mn, stabilizing above €650 mn in 2026.
Cost of risk for 2025 expected at the lower end of 40-50 bps range.
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Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q3 202511 Nov, 2025
Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q3 202511 Nov, 2025
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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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