Eurobank has announced impressive financial results for the first nine months of 2025, posting a net profit of €1.03 billion. According to CEO Fokion Karavias, the bank’s returns have already surpassed its initial 2025 targets, demonstrating business resilience despite financial market fluctuations.
The bank also declared an interim dividend of €0.047 per share, to be paid on November 12, 2025. The total payout ratio for the year will exceed 50% of net profits, reflecting management’s confidence in the bank’s capital strength and robust financial performance. Adjusted net profit reached €1.06 billion, with a return on tangible equity (ROTE) of 16.2% — significantly above the European banking sector average.
Revenue Growth and International Expansion
Eurobank’s positive results were driven by rising interest and fee income, strong performance of its international operations, and strengthened presence in Cyprus following its merger with Hellenic Bank.
Net interest income rose by 4% to €1.9 billion, despite the European Central Bank’s rate cuts, which slightly compressed the net interest margin to 2.49%. Fee and commission income increased by 23.7% to €557 million, supported by growth in asset management, insurance operations, and the acquisition of CNP Cyprus Insurance in spring 2025.
Total operating income reached €2.46 billion — up 7.9% year-on-year — while overall revenue rose 6.6% to €2.51 billion.
Cost Control and Capital Strength
Despite business expansion, Eurobank has maintained tight cost discipline. Operating expenses in Greece increased by just 6.9%, while group-wide expenses rose by 23.3%, mainly due to the Hellenic Bank acquisition. The cost-to-income ratio stood at 37.8%, underscoring the bank’s operational efficiency.
Eurobank also maintains a solid capital position, with a CET1 ratio of 15.5% and a total capital adequacy ratio of 18.9%, including projected dividends. This reinforces investor confidence and ensures continued financial flexibility.
Cyprus: A New Banking Powerhouse
As of September 2025, Eurobank Cyprus officially completed its merger with Hellenic Bank, forming Eurobank Ltd — now the second-largest bank in Cyprus with over 30% market share in retail deposits.
The Cypriot unit’s net profit for the first nine months reached €370 million, up 10.3% year-on-year. Net interest income totaled €573 million, with a net interest margin of 2.75%.
Eurobank Cyprus also demonstrated excellent operational efficiency: fee income climbed to €124 million, and the cost-to-income ratio dropped to 35.3%. The bank’s assets totaled €28.1 billion, while its CET1 ratio of 36.4% ranks among the highest in Europe.
New Strategic Moves and Expansion into Insurance
In 2025, Eurobank announced the acquisition of an 80% stake in Eurolife Life Insurance at 1.45 times book value. The deal aims to strengthen the bank’s position in the insurance market and enhance synergies between banking and insurance services.
The transaction is expected to boost earnings per share (EPS) by around 5% and add roughly 100 basis points to return on equity, with only a temporary 120 basis-point reduction in CET1.
Priorities: Growth, Efficiency, and Stability
Karavias emphasized that Eurobank remains committed to strategic expansion and strengthening its international reputation.
“The €3.3 billion increase in the loan portfolio, successful mergers, and investments in the insurance sector are building a resilient and diversified business structure. We expect full-year return on equity to exceed 16%, with dividends above 50% of net profits,” he stated.
Eurobank — A Leader of the New Generation
Today, Eurobank holds leading positions in Greece, Cyprus, and Bulgaria, offering innovative banking and insurance solutions. The combination of high profitability, low risk, and strategic investments makes the group one of the most resilient financial institutions in Southeastern Europe.
In 2026, the bank plans to finalize all integration processes, enter new markets, and continue growing profits — further solidifying its position as a trusted partner for both private and corporate clients.