Greece · Delayed Price · Currency is EUR Eurobank Earnings Call Transcripts
Fiscal Year 2025
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Surpassed 2025 targets with strong loan, deposit, and profit growth, driven by organic expansion and M&A. Outlook to 2028 includes higher returns, robust capital, and increased shareholder distributions, supported by digital and regional growth.
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Strong nine-month results driven by robust loan growth, higher fee income, and successful acquisitions in core markets. Capital ratios remain solid, with upwardly revised guidance for return on tangible book value and fee income. Dividend payout set between 50%-60%.
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Adjusted net profit reached EUR 711 million in H1 2025, with strong loan and fee growth, robust capital ratios, and improved asset quality. Full-year guidance for loan growth and return on tangible book value was raised, with a minimum 50% payout ratio reaffirmed.
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Q1 2025 saw strong profit growth, robust loan expansion, and resilient asset quality, with regional operations driving over half of total profits. Capital ratios remain solid, and full-year guidance for NII and returns is reaffirmed despite global volatility.
Fiscal Year 2024
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Record 2024 results with net profit near EUR 1.5 billion, strong loan and deposit growth, and a 50% payout ratio. Outlook targets 15% return on tangible book value, 7.5% annual loan growth, and over EUR 2 billion in payouts for 2025-2027, supported by recent M&A and robust capital metrics.
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Nine-month 2024 results show robust profit growth, strong loan and deposit expansion, and improved capital ratios. Guidance for return on tangible equity is upgraded to 17.5%, with further synergies expected from the Hellenic Bank acquisition and a higher payout ratio planned.
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Strong H1 2024 results with EPS at €0.20, net profit of €732 million, and return on tangible book value at 18.5%. Upgraded full-year guidance, robust loan and deposit growth, and successful Hellenic Bank consolidation position the group for continued outperformance.