Eurobank Ergasias Reports Strong 9M2025 Financial Performance

Eurobank Ergasias ( (EGFEY) ) has released its Q3 earnings. Here is a breakdown of the information Eurobank Ergasias presented to its investors.

Eurobank Ergasias, a prominent financial institution operating in Greece, Cyprus, and Bulgaria, is known for its comprehensive banking services and strategic expansion efforts in the financial sector.

In its latest earnings report for the first nine months of 2025, Eurobank Ergasias showcased a robust performance with significant growth in various financial metrics. The bank reported earnings per share of €0.28 and a return on tangible book value of 16.2%, alongside a tangible book value per share of €2.46.

Key highlights include a 4% year-on-year increase in net interest income to €1,902 million and a substantial 23.7% rise in net fee and commission income, driven by enhanced network activities and wealth management services. The bank’s strategic acquisition of an 80% stake in Eurolife FFH life insurance is set to bolster its profitability and diversify its business model further. Additionally, Eurobank’s international operations contributed 53% to its adjusted net profit, reflecting a strong presence in the Southeast European market.

Despite a slight decline in core operating profit before tax by 0.4% year-on-year, the bank maintained a healthy capital adequacy ratio of 18.9% and a CET1 ratio of 15.5%. Eurobank’s focus on organic loan growth, which increased by €3.3 billion, and a reduction in the non-performing exposure ratio to 2.8% highlight its commitment to sustainable growth.

Looking ahead, Eurobank Ergasias remains optimistic about its financial trajectory, supported by strategic acquisitions and a strong market presence in its core regions. The management anticipates continued growth in net interest income and fees, with an interim dividend of €4.7 cents per share set for distribution in November 2025.