Greece · Delayed Price · Currency is EUR Eurobank Earnings Call Transcripts
Fiscal Year 2026
-
Q1 2026 saw robust loan and fee growth, strong profitability, and resilient asset quality, with all regions contributing and guidance for the year reaffirmed despite geopolitical uncertainties. CET1 stood at 15.4% and cost of risk at 55 bps.
Fiscal Year 2025
-
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.
-
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%.
-
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.
-
Q1 2025 saw strong profit growth, robust loan expansion, and resilient asset quality, with regional operations driving over half of profits. Full-year guidance for NII and return on tangible book value is reaffirmed, supported by successful integrations and cost synergies.
Fiscal Year 2024
-
Exceptional 2024 results with record net profit, strong loan and deposit growth, and improved asset quality. Outlook for 2025-2027 targets 15% return on tangible book value, 7.5% annual loan growth, and over EUR 2 billion in payouts, supported by robust capital and regional expansion.
-
Strong nine-month results driven by robust loan and deposit growth, higher net interest income, and resilient asset quality, with upgraded guidance for return on tangible book value to 17.5%. Hellenic Bank integration and accelerated DTC amortization support future profitability and capital strength.
-
Investment-grade status achieved, strong H1 2024 results with EPS at EUR 0.20, net profits of EUR 732 million, and upwardly revised full-year guidance. Hellenic Bank consolidation and robust loan/deposit growth drive performance, with asset quality and capital ratios remaining strong.