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Piraeus Financial Holdings (TPEIR) investor relations material
Piraeus Financial Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved €854 million normalized net profit for 9M 2025, with a 15% return on tangible equity/book value and €0.62 EPS, on track to exceed full-year guidance.
Upgraded 2025 targets: return on tangible equity to 15% and net credit expansion to over €3.5 billion; loan book expanded by 15% year-over-year to €37 billion.
Interim distribution of €100 million via share buyback and total 2025 distribution expected to exceed €500 million, or €0.40 per share (6% yield).
Investment grade rating now held from three of four major agencies, reflecting strong recurring earnings and market position.
Digital transformation advanced with launch of Snappi neobank, 3 million digital clients, and award-winning digital banking platform.
Financial highlights
Net revenues for Q3 were €648 million; net interest income for Q3 at €471 million, nearly flat sequentially, and net fee income at €164 million.
Net fee income reached €489 million in 9M, supporting an upgraded 2025 target of €650 million and representing 25% of net revenues.
Cost-to-income ratio at 34%, among the best in Europe; NPE ratio at 2.5%, cost of risk at 49 bps, and NPE coverage at 71%.
Assets under management rose to €14.3 billion, up 30% year-on-year.
Client deposits increased 5% annually to €64 billion.
Outlook and guidance
Upgraded 2025 guidance: return on tangible equity 15%, EPS above €0.80, net credit expansion over €3.5 billion, and NPE ratio around 2.5%.
Net interest income guidance for 2025 confirmed at €1.9 billion.
Guidance for 2026 and 2027 on Ethniki Insurance PBT contribution remains at €60–70 million and €90 million, respectively.
Further business plan and organic fee growth guidance to be detailed with Q4 results.
Expecting above €500 million total distribution from 2025 profits.
What is the strategy behind AT1 issuances?
What is Snappi's value proposition and traction?
How did mortgage lending turn net positive?
NII growth drivers beyond Q4
Ethniki integration: key strategic levers for upside?
Future capital management strategy?
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Next Piraeus Financial Holdings earnings date
Q4 202525 Feb, 2026
Next Piraeus Financial Holdings earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
Piraeus Bank S.A. offers a comprehensive suite of financial products and services, including various accounts and deposit products, consumer and business loans, credit cards, leasing, insurance, as well as investment banking and wealth management services. The bank has a significant presence in Greece, serving approximately over 6 million customers and managing a vast network of branches and ATMs. The company is headquartered in Athens, Greece, and its shares are listed on the Athens Stock Exchange.
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