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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 targets.
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.
Initiated a €100 million share buyback and on track for over €500 million total distribution from 2025 profits, equating to a 6% yield.
Maintains leading market position in Greece with 28% deposit share, 5% year-over-year deposit growth to €64 billion, and top digital banking adoption.
Launched Snappi neobank, achieving 30,000 users in its first month, and advanced digital and ESG initiatives.
Financial highlights
Net revenues for Q3 reached €648 million; net interest income for 9M 2025 was €1,426 million, with Q3 at €471 million, nearly flat sequentially.
Net fee income for 9 months at €489 million, supporting an upgraded €650 million target for 2025; fees represent 25% of net revenues.
Cost-to-income ratio at 34%, among the best in Europe; operating expenses stable at €211 million in Q3.
Assets under management rose to €14.3 billion, up 30% year-over-year.
CET1 ratio at 14.6% (pro forma), total capital ratio at 20.6%, and liquidity coverage ratio at 217%.
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 at 2.5%.
Net interest income guidance for 2025 confirmed at €1.9 billion; NIM expected to stabilize with potential NII growth from Q4 onwards.
Guidance for 2026–2027 PBT contribution from Ethniki Insurance remains at €60–70 million and €90 million, respectively.
Cost of risk guidance maintained at 50 bps for 2025.
What is the strategy behind AT1 issuances?
What is Snappi's value proposition and traction?
How did mortgage lending turn net positive?
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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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