Athens, Greece. Eurobank reported a 2025 net profit of €1.362 billion, saying it exceeded its targets and outlining a 2026–2028 business plan focused on higher returns and increased shareholder distributions.
2025 performance and profitability
Eurobank chief executive Fokion Karavias said the bank surpassed all goals set for 2025, citing organic growth in loans, deposits, and assets under management.
The bank reported earnings per share of €0.37, with 50 per cent of profits generated by non-Greek operations, while return on tangible book value reached 16.0 per cent, one percentage point above initial expectations.
Shareholder distributions
Karavias said the bank is distributing 55 per cent of profits to shareholders, reflecting a payout ratio of €717 million, including a cash dividend of €11.8 cents per share and a €288 million share buyback.
Capital and asset quality indicators
Tangible book value per share was €2.49 at December 31, 2025, up 7.8 per cent year-on-year.
Total capital adequacy was 20.0 per cent and CET1 was 15.6 per cent at December 31, 2025.
The non-performing exposure ratio declined to 2.6 per cent, while the NPE coverage ratio improved to 95.2 per cent at year-end.
Adjusted and reported net profit details
Adjusted net profit fell 4.9 per cent year-on-year to €1.412 billion, while reported net profit was €1.362 billion, including VES costs of €27 million at Hellenic Bank, a €58 million negative goodwill from the CNP Cyprus Insurance acquisition, and a €19 million contribution towards government projects.
South-eastern Europe operations
Adjusted net profit from south-eastern Europe operations rose 4.5 per cent year-on-year to €741 million, contributing 52.5 per cent to group profitability.
What do you consider the most significant indicator in Eurobank’s 2025 results?