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Investor Relations14 Oct 2025
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Eurobank Ergasias Services and Holdings (EUROB) investor relations material
Eurobank Ergasias Services and Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Adjusted net profit reached €711m in H1 2025, with return on tangible book value at 16.6% and reported net profit at €691m.
Net interest income rose 12.2% year-over-year to €1,270m; fee and commission income up 29% to €364m.
International operations contributed over 50% of adjusted net profit, with strong results in Cyprus and Bulgaria.
Interim cash dividend of €170m (4.7¢/share) declared for Q4 2025.
Strategy execution on track, meeting or exceeding business plan targets.
Financial highlights
Core operating profit reached €866m, up 6.3% year-over-year.
Core income increased 15.6% year-over-year to €1,635m; total operating income up 13.8% to €1,661m.
Loan loss provisions at €155m (60bps), nearly 10bps lower than H1 2024.
Wealth management and private banking assets up 11% year-over-year.
EPS at €0.19; tangible book value per share at €2.38 after 2024 dividend.
Outlook and guidance
Full-year NII guidance reaffirmed at €2.5bn, assuming ECB rates reach 1.5%.
Credit expansion targets for 2025 revised upward due to strong loan growth.
Return on tangible book value expected to exceed 15% for 2025.
Fee income target of €740m likely to be exceeded.
Payout ratio for 2025 committed to at least 50%, with potential for higher payout.
Explain the increase in total operating expenses.
How did the CNP Insurance acquisition impact fees?
What are the revised credit expansion targets?
What's the expected NII boost from Bulgaria's euro accession?
What inorganic growth is being considered?
What factors could drive payout ratio above 50%?
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Next Eurobank Ergasias Services and Holdings earnings date
Q3 202530 Oct, 2025
Next Eurobank Ergasias Services and Holdings earnings date
Q3 202530 Oct, 2025
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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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