Finance
Greece's Eurobank profits ease 4.9% but beats targets as loan, deposit growth surge
Published by Global Banking & Finance Review®
Posted on February 26, 2026
2 min readLast updated: February 26, 2026
Global Banking & Finance Review®
Company
Published by Global Banking & Finance Review®
Posted on February 26, 2026
2 min readLast updated: February 26, 2026
Eurobank’s adjusted 2025 profit slipped 4.9% to €1.41bn but it beat targets on strong loan and deposit growth. The bank proposes a 55% payout with a €0.118 dividend and €288m buyback, and set ambitious 2026–2028 profitability goals.
Feb 26 (Reuters) - Eurobank, Greece's largest lender by market value, posted a 4.9% drop in adjusted net profit for 2025 on Thursday but said loan expansion, rising customer deposits and operations outside Greece had helped it exceed its other targets.
The group reported adjusted net profit of 1.41 billion euros ($1.66 billion) for 2025, down from 1.48 billion a year earlier.
Eurobank said organic loan growth reached 5.3 billion euros in 2025, while deposits rose by 4.1 billion across the year.
Chief Executive Fokion Karavias said 2025 marked a year of "remarkable organic growth" across loans, deposits and assets under management, and highlighted the impact of recent acquisitions, including Greece-based Eurolife.
The net interest income of Greek banks has fallen as interest rates in the euro zone have declined, prompting them to try and diversify income sources by expanding wealth management and insurance businesses.
The Athens-listed group proposes a 55% payout ratio for 2025, including an 0.118 euro per share cash dividend and a 288 million euros share buyback, subject to regulatory and shareholder approval.
Looking ahead, Eurobank set targets for 2026–2028 that include raising return on tangible book value to around 17% by 2028, delivering annual earnings per share growth of about 10% and increasing cumulative shareholder payouts by roughly 50% compared with 2023-2025. The lender also expects loan expansion of about 7.5% annually and double‑digit growth in wealth management assets.
($1 = 0.8476 euros)
(Reporting by Antonis Pothitos; Editing by Alison Williams and Philippa Fletcher)
Eurobank’s 2025 full‑year results, showing a 4.9% drop in adjusted net profit to €1.41bn, alongside strong loan and deposit growth that helped the bank exceed other performance targets.
Eurobank reported organic loan growth of €5.3bn and customer deposits up by €4.1bn across 2025, supporting overall performance despite lower net interest income.
Management proposed a 55% payout ratio, comprising a €0.118 per share cash dividend and a €288m share buyback, subject to regulatory and shareholder approvals.
For 2026–2028, Eurobank aims for about 17% RoTBV by 2028, around 10% annual EPS growth, higher cumulative shareholder payouts versus 2023–2025, and roughly 7.5% annual loan expansion.
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