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Investor Relations14 Oct 2025
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Piraeus Financial Holdings (TPEIR) investor relations material
Piraeus Financial Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Achieved €559mn net profit in H1 2025, with EPS at €0.43 and 15% return on tangible book value, surpassing full-year targets.
Loan book grew 15% year-over-year to €36bn, with client assets under management up 27% to €13.2bn, both exceeding 2025 targets.
Interim €100mn share buyback planned for Q4 2025, subject to approvals, as part of €500mn+ total 2025 profit distribution.
Recognized as Greece's Best Performing Bank and for digital, ESG, and corporate responsibility leadership.
Merger of Piraeus Financial Holdings with Piraeus Bank announced to optimize structure and dividend process.
Financial highlights
Net profit of €559mn for H1 2025; EPS €0.43; TBV per share at €5.90, up 8% year-over-year.
Net interest income for H1 2025 was €955mn; net fee income €325mn; operating expenses €436mn.
Net revenues in Q2 2025 reached €687mn, up 6% sequentially; cost-to-core income ratio at 34%.
Loan book expanded by €2.2bn in H1; €6.3bn new loans disbursed, mainly to corporates and SMEs.
NPE ratio improved to 2.6% with 67% coverage.
Outlook and guidance
Full-year EPS guidance of ~€0.8 reaffirmed; RoaTBV target ~14%.
Upgraded full-year loan growth target to over €36.5bn and AUM target to over €13.5bn.
2025 NII guidance confirmed at €1.9bn, with upside for 2026; cost-to-core income ratio target at 33%.
Plans to distribute over €500mn from 2025 profits, including €100mn interim share buyback.
CET1 ratio expected to temporarily dip to ~13% post-Ethniki Insurance acquisition before recovering.
What is driving the increase in depreciation?
Explain the rationale for the share buyback.
How does 'Spiti 25' address market gaps?
Explain the rationale for the buyback timing.
Detail Ethniki Insurance's EBIT contribution.
Explain securities portfolio hedging's impact on NII.
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Next Piraeus Financial Holdings earnings date
Q3 202531 Oct, 2025
Next Piraeus Financial Holdings earnings date
Q3 202531 Oct, 2025
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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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