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Eurobank Ergasias Services and Holdings
Eurobank Ergasias Services and Holdings (EUROB) investor relations material
Eurobank Ergasias Services and Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Adjusted net profit for 9M25 was €1,058m, with reported net profit at €1,033m, reflecting a 9% decrease year-over-year.
Favorable macroeconomic conditions in Greece, Bulgaria, and Cyprus supported strong financial performance and growth across all core markets.
Strategic acquisitions, including 80% of Eurolife and CNP Insurance in Cyprus, advanced diversification and integration goals.
International/SEE operations contributed 53% of adjusted net profit, with Cyprus and Bulgaria as key contributors.
Interim dividend of €0.047 per share was paid/announced for November 12, 2025.
Financial highlights
Net interest income rose 4% year-over-year to €1,902m; net fee and commission income up 23.7% to €557m.
Core operating profit was €1,292m, stable year-over-year; core income increased 7.9% to €2,459m.
Loan growth of €3.3bn in nine months, on track to exceed the €4bn full-year target.
Deposits increased by €0.9bn in 9M2025; managed funds up 32% year-over-year to €9.3bn.
Adjusted net profit down 7.6% year-over-year; tangible book value per share at €2.46, up 6.5%.
Outlook and guidance
RoTBV for 2025 expected to exceed original target, approaching 16%, supported by higher net interest income and fees.
Full-year loan growth projected to exceed €4bn.
Fee and commission income guidance revised upwards to above €740m for 2025.
Dividend payout ratio to be between 50%-60%, with interim dividend of €0.047 per share.
Management targets continued organic capital generation and asset growth, with a focus on sustainable financing and Net Zero roadmap.
Eurolife acquisition: expected profitability boost?
Outlook for cost to income ratio?
How will NII grow despite NIM compression?
Post-Eurolife, what is excess capital strategy?
Corporate loan spread outlook for 2024-25
Cyprus integration: remaining synergies timeline
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Next Eurobank Ergasias Services and Holdings earnings date
Q4 202526 Feb, 2026
Eurobank Ergasias Services and Holdings
Next Eurobank Ergasias Services and Holdings earnings date
Q4 202526 Feb, 2026
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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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