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Bank Of Cyprus Holdings Public Limited Company
Bank Of Cyprus Holdings Public Limited Company (BOCH) investor relations material
Bank Of Cyprus Holdings Public Limited Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Maintains a leading position in Cyprus' concentrated, liquid banking sector, supported by a resilient, service-based economy growing faster than the Eurozone.
Profit after tax for 9M2025 reached €353 mn, with ROTE at 18.4% and CET1 ratio at 20.5%, reflecting strong profitability and capital.
New lending totaled €2.2 bn, up 31% year-over-year, mainly from international and corporate demand, with gross performing loans up 6% since December 2024.
Cost to income ratio remained low at 35% for 9M2025, reflecting efficiency focus.
Interim dividend of €0.20 per share paid in October 2025; total cash dividends for 2025 at €0.68 per share.
Financial highlights
Net interest income for 9M2025 was €548 mn, down 12% year-over-year, with Q3 2025 at €180 mn, supported by hedging and volume growth.
Non-interest income rose 7% to €219 mn, driven by insurance and fee growth.
Total income declined 7% to €767 mn; operating profit fell 13% to €466 mn.
Cost to income ratio at 35% for the nine months, expected to remain below 40% (excluding special levies) in 2025.
EPS for 9M2025 was €0.81, and tangible book value per share increased 6% to €5.86.
Outlook and guidance
FY2025 ROTE target upgraded to high-teens, with ROTE on 15% CET1 ratio expected to exceed 20% and net interest income expected at approximately €720 mn.
Distribution target reaffirmed at 70% payout ratio for 2025, implying a high single-digit yield.
Loan growth for 2025 is expected to exceed the 4% target, mainly driven by international lending.
Cost to income ratio is expected to remain below 40%, and cost of risk is projected to stay under 40 bps.
New financial targets and strategy to be updated in Q1 2026.
Capital deployment beyond 70% payout
International loan book growth strategy beyond EUR 1.5bn
DGF contribution impact on future profitability
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Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q4 202518 Feb, 2026
Bank Of Cyprus Holdings Public Limited Company
Next Bank Of Cyprus Holdings Public Limited Company earnings date
Q4 202518 Feb, 2026
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Frequently asked questions
Bank of Cyprus Holdings Public Limited Company is a financial services institution offering a range of banking and financial products. The company provides services such as retail and corporate banking, wealth management, insurance, and financial advisory services. It serves individuals, small and medium-sized enterprises (SMEs), and large corporations. Key offerings include savings and current accounts, loans, credit cards, and investment products. Bank of Cyprus Holdings is headquartered in Nicosia, Cyprus, and its shares are listed on the LSE.
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