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Eurobank Ergasias Services and Holdings
Eurobank Ergasias Services and Holdings (EUROB) investor relations material
Eurobank Ergasias Services and Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
FY2025 results exceeded expectations, with adjusted net profit of €1,412m, ROTBV at 16.0%, and EPS at €0.37; half of profits from non-Greek operations.
Organic loan growth reached €5.4bn (+12% y-o-y), deposits up €4.1bn (+5% y-o-y), managed funds +30% (€2.3bn), and private banking up 12%.
M&A activities consolidated Cyprus operations and expanded insurance and asset management via Eurolife acquisition in Greece.
Shareholder payout for 2025 is 55% of profits (€717m), including a 12.7% higher dividend and €288m buyback.
SEE operations contributed €741m net profit, representing over half of group profitability.
Financial highlights
Net interest income up 1.7% y-o-y to €2,549m; fee and commission income up 15.7% to €770m; core operating income up 8% QoQ.
Cost-to-income ratio improved to 37.3% in 2025, projected to decline to 35% by 2028.
CET1 ratio at 15.6%, with a capital buffer over 300bps above OCR; total capital adequacy at 20.0%.
NPE ratio improved to 2.6% with coverage at 95.2%.
Tangible book value per share rose 7.8% y-o-y to €2.49.
Outlook and guidance
2026-2028 plan targets ROTBV of ~17% by 2028, EPS CAGR of ~10%, and cumulative payout rising ~50% versus 2023-25.
Organic loan growth to average 7.5% annually; Cyprus and Bulgaria close to 10%.
Managed funds expected to grow at ~21% CAGR; insurance and wealth management fees to rise 30%.
NII expected to reach €2.6bn in 2026 and €3bn in 2028; fee income to exceed €1bn in 2028 (26% of total income).
Cost of risk to decline to 55bps in 2026 and 50bps by 2028; NPE ratio to remain near 2.5%.
Explain the FY25 core profitability decline
Key drivers for 2028 ROTBV target achievement
Strategic role of non-Greek operations in growth
M&A capital deployment strategy
IT/AI CapEx: future efficiency upside
Fee income growth: what drives prudence
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Next Eurobank Ergasias Services and Holdings earnings date
Q1 20267 May, 2026
Eurobank Ergasias Services and Holdings
Next Eurobank Ergasias Services and Holdings earnings date
Q1 20267 May, 2026
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Frequently asked questions
Eurobank Ergasias Services and Holdings S.A. is a financial institution based in Greece, offering a broad spectrum of banking and financial services and products to both individual and corporate clients. The bank's diverse product and service portfolio encompasses accounts and deposits (including savings, time deposits, and current accounts), mutual funds, mortgages, debit and credit cards, insurance (covering car, life, and health), various lending solutions (such as repair loans, housing loans, personal loans, and working capital loans), and investment products. Additionally, Eurobank provides marine and portfolio financing, alongside a comprehensive range of banking services such as internet banking, ATM services, branch banking, locker services, bill payment, cashless payment services, estate planning, phone banking, and consultancy and advisory services. The company is headquartered in Athens, Greece, and its shares are listed on the Athens Stock Exchange.
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