Income Statement Eurobank S.A.

Equities

EUROB

GRS829003003

Banks

End-of-day quote Athens S.E. Other stock markets 2026-03-06			5-day change	1st Jan Change
3.572 ^EUR	-3.12%		-8.88%	+4.29%

Mar. 02	Eurobank S.A., 2025 Earnings Call, Feb 26, 2026
Feb. 26	Greece's Eurobank profits ease 4.9% but beats targets as loan, deposit growth surge	RE

0ccbfd4444d96a0.TvT55DCqFliu9fbDadn_d0OJHSeX3fxnhXTF-LQUKsM.HoPMknj7IB3oo6auGLq4AA3DWn7mv5UEvDuNsYxzTvQfua2AQOVPO_qvvw

Published financial data: EUROBANK S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.96B	1.84B	2.32B	4.45B	5.1B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	1.96B	1.84B	2.32B	4.45B	5.1B
Interest On Deposits	606M	521M	765M	2.28B	2.59B
Interest Expense, Total	606M	521M	765M	2.28B	2.59B
Net Interest Income	1.35B	1.32B	1.55B	2.17B	2.51B
Income From Trading Activities	3M	-8M	727M	71M	94M
Gain (Loss) on Sale of Assets	229M	-2M	293M	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	425M	98.7M	-30M	172M	100M
Total Other Non Interest Income	385M	462M	546M	501M	622M
Non Interest Income, Total	1.04B	551M	1.54B	744M	816M
Revenues Before Provison For Loan Losses	2.39B	1.87B	3.09B	2.92B	3.32B
Provision For Loan Losses	2.08B	490M	291M	412M	303M
Total Revenues	310M	1.38B	2.8B	2.51B	3.02B
Salaries And Other Employee Benefits	442M	433M	445M	469M	588M
Stock-Based Compensation (IS)	-	-	1.94M	3.98M	-
Amort. of Goodwill & Intang. Assets	33M	36M	38M	41M	51M
Occupancy Expense	76M	78M	86M	79M	84M
Federal Deposit Insurance	78M	75M	74M	33M	11M
Selling General & Admin Expenses, Total	240M	254M	272M	275M	338M
(Income) Loss on Real Estate Property	14M	17M	15M	49M	21M
(Income) Loss on Equity Invest.	-21M	-26M	-18M	-88M	-161M
Total Other Non Interest Expense	20M	31M	72M	48M	35M
Non Interest Expense, Total	882M	898M	986M	910M	967M
EBT, Excl. Unusual Items	-572M	484M	1.81B	1.6B	2.05B
Restructuring Charges	-145M	-25M	-102M	-37M	-168M
Total Merger & Related Restructuring Charges	-	-	-	-	-6M
Impairment of Goodwill	-160M	-	-	-	-
Asset Writedown	3.8M	30.3M	34M	-11M	-2M
Other Unusual Items	3.27M	-	-	-	-
EBT, Incl. Unusual Items	-870M	489M	1.74B	1.55B	1.88B
Income Tax Expense	343M	162M	411M	267M	366M
Earnings From Continuing Operations	-1.21B	327M	1.33B	1.28B	1.51B
Earnings Of Discontinued Operations	-	-	-	-153M	-7M
Net Income to Company	-1.21B	327M	1.33B	1.13B	1.5B
Minority Interest	-	1M	-	12M	-56M
Net Income - (IS)	-1.21B	328M	1.33B	1.14B	1.45B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	-1.21B	328M	1.33B	1.14B	1.45B
Net Income to Common Excl. Extra Items	-1.21B	328M	1.33B	1.29B	1.46B
Per Share Items
Net EPS - Basic	-0.33	0.09	0.36	0.31	0.4
Basic EPS - Continuing Operations	-0.33	0.09	0.36	0.35	0.4
Basic Weighted Average Shares Outstanding	3.71B	3.71B	3.71B	3.7B	3.67B
Net EPS - Diluted	-0.33	0.09	0.36	0.3	0.4
Diluted EPS - Continuing Operations	-0.33	0.09	0.36	0.34	0.4
Diluted Weighted Average Shares Outstanding	3.71B	3.71B	3.71B	3.71B	3.68B
Normalized Basic EPS	-0.1	0.08	0.3	0.27	0.33
Normalized Diluted EPS	-0.1	0.08	0.3	0.27	0.33
Dividend Per Share	-	-	-	0.09	0.1
Payout Ratio	-	-	-	-	23.62
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	-39.49	33.14	23.61	17.25	19.5
Total Current Taxes	48.4M	40M	45M	83M	141M
Total Deferred Taxes	295M	116M	360M	184M	225M
Normalized Net Income	-357M	303M	1.13B	1.01B	1.23B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	520K	-	-	-
Stock-Based Comp., Other (Total)	-	-	1.94M	3.98M	-
Total Stock-Based Compensation	-	520K	1.94M	3.98M	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.68B	983M	938M	1.5B	2.01B
Investment Securities, Total	8.64B	11.58B	13.43B	15.25B	22.39B
Trading Asset Securities, Total	2.64B	2.07B	1.3B	1.26B	1.09B
Total investments	11.28B	13.65B	14.74B	16.51B	23.48B
Gross Loans	40.96B	40.89B	43.37B	42.89B	52.32B
Allowance For Loan Losses	-3.48B	-1.87B	-1.63B	-1.26B	-1.31B
Other Adjustments to Gross Loans	-54M	-49M	-66M	-83M	-60M
Net Loans	37.42B	38.97B	41.68B	41.54B	50.95B
Gross Property Plant And Equipment	1.63B	1.72B	1.74B	1.54B	1.9B
Accumulated Depreciation	-856M	-901M	-961M	-769M	-922M
Net Property Plant And Equipment	778M	815M	775M	773M	975M
Goodwill	2M	2M	1M	44M	42M
Other Intangibles, Total	252M	267M	296M	290M	373M
Investment in Real Estate	1.46B	1.49B	1.41B	1.36B	1.4B
Other Receivables	2.69B	2.04B	941M	1.41B	896M
Restricted Cash	861M	13.27B	14.72B	10.68B	15.79B
Other Current Assets, Total	973M	998M	845M	760M	478M
Deferred Tax Assets Long-Term (Collected)	4.53B	4.42B	4.16B	3.99B	3.78B
Other Real Estate Owned And Foreclosed	616M	597M	577M	509M	541M
Deferred Charges Long-Term	-	104M	92M	85M	144M
Other Long-Term Assets, Total	184M	247M	286M	325M	283M
Total Assets	67.73B	77.85B	81.46B	79.78B	101B
Liabilities
Interest Bearing Deposits	47.08B	52.96B	57.03B	57.44B	78.59B
Non-Interest Bearing Deposits	87M	81M	76M	79M	104M
Total Deposits	47.17B	53.04B	57.1B	57.52B	78.7B
Short-Term Borrowings	3.14B	2.59B	1.86B	1.45B	1.12B
Current Portion of Leases	37M	36M	37M	75M	40M
Long-Term Debt	10.98B	15.12B	13.78B	11.44B	9.63B
Long-Term Leases	184M	212M	168M	115M	150M
Current Income Taxes Payable	10M	15M	14M	30M	70M
Other Current Liabilities - (Bank / Utility Template)	-	152M	420M	121M	43M
Unearned Revenue Non Current	134M	157M	165M	194M	269M
Pension & Other Post Retirement Benefits	46M	23M	19M	59M	143M
Deferred Tax Liability Non-Current	21M	26M	31M	28M	43M
Other Non Current Liabilities	765M	846M	1.14B	850M	2.04B
Total Liabilities	62.48B	72.22B	74.74B	71.88B	92.25B
Preferred Stock Redeemable	-	-	-	-	-
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	816M	816M	816M	818M	809M
Additional Paid In Capital	8.06B	8.06B	1.16B	1.16B	1.14B
Retained Earnings	-10.95B	9.94B	3.28B	3.73B	4.61B
Treasury Stock	-1M	-	-	-	-
Comprehensive Income and Other	7.32B	-13.27B	1.36B	2.19B	2.34B
Total Common Equity	5.24B	5.54B	6.62B	7.9B	8.9B
Minority Interest	-	96M	95M	-	-
Total Equity	5.24B	5.64B	6.72B	7.9B	8.9B
Total Liabilities And Equity	67.73B	77.85B	81.46B	79.78B	101B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.71B	3.71B	3.71B	3.66B	3.67B
ECS Total Common Shares Outstanding	3.71B	3.71B	3.71B	3.66B	3.67B
Book Value / Share	1.41	1.49	1.78	2.16	2.42
Tangible Book Value	4.99B	5.27B	6.33B	7.56B	8.48B
Tangible Book Value Per Share	1.35	1.42	1.7	2.07	2.31
Average Assets	66.55B	71.68B	80.03B	79.11B	91.72B
Average Loans	37.54B	37.83B	40.39B	40.64B	46.24B
Total Debt	14.34B	17.96B	15.85B	13.08B	10.94B
Deposits at Interest - Cash	668M	505M	434M	998M	1.43B
Net Debt	5.02B	14.91B	13.61B	10.32B	7.84B
Equity Method Investments, Total	276M	267M	173M	541M	203M
Full Time Employees	11.5K	11.94K	11.33K	10.73K	12.41K
Number Of Offices	625	668	616	540	568

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-1.21B	328M	1.33B	1.14B	1.45B
Depreciation, Depletion & Amortization	76M	78M	86M	79M	84M
Amortization of Goodwill and Intangible Assets - (CF)	33M	36M	38M	41M	51M
Total Depreciation, Depletion & Amortization	109M	114M	124M	120M	135M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-219M	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-	-	-325M	-	-
(Gain) Loss on Sale of Investments - (CF)	-385M	-71M	-25M	-182M	-202M
Total Asset Writedown	191M	18M	53M	94M	31M
Restructuring Activities	145M	25M	102M	37M	168M
Provision for Credit Losses	2.08B	490M	291M	412M	303M
(Income) Loss On Equity Investments - (CF)	-22M	-	-	-88M	-161M
Change in Trading Asset Securities	23M	-32M	-	-260M	125M
Change in Other Net Operating Assets (Collected)	212M	1.89B	-3.22B	-5.71B	-8B
Other Operating Activities	315M	109M	473M	381M	282M
Net Cash From Discontinued Operations	-	-	-	148M	-
Cash from Operations	1.24B	2.88B	-1.19B	-3.91B	-5.87B
Capital Expenditure	-281M	-129M	-169M	-140M	-197M
Sale of Property, Plant, and Equipment	26M	35M	121M	33M	42M
Cash Acquisitions	-47M	121M	-	-440M	5.5B
Divestitures	211M	1M	281M	-425M	11M
Investment in Marketable and Equity Securities, Total	-380M	-2.75B	-2.91B	-1.36B	-2.09B
Other Investing Activities, Total	3M	21M	21M	59M	20M
Cash from Investing	-468M	-2.7B	-2.66B	-2.27B	3.28B
Long-Term Debt Issued, Total	-	986M	1.06B	1.05B	1.86B
Total Debt Issued	-	986M	1.06B	1.05B	1.86B
Long-Term Debt Repaid, Total	-888M	-34M	-39M	-40M	-38M
Total Debt Repaid	-888M	-34M	-39M	-40M	-38M
Issuance of Common Stock	-	1M	1M	-	8M
Repurchase of Common Stock	-	-	-	-99M	-
Repurchase of Preferred Stock	-2M	-	-	-	-
Common Dividends Paid	-	-	-	-	-342M
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-342M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.25B	5.34B	4.07B	1.73B	6.17B
Other Financing Activities, Total	-	-	-	-1M	-6M
Cash from Financing	1.36B	6.29B	5.09B	2.64B	7.65B
Foreign Exchange Rate Adjustments	-	-	1M	1M	-
Net Change in Cash	2.13B	6.47B	1.24B	-3.54B	5.06B
Supplemental Items
Cash Income Tax Paid (Refund)	29M	33M	45M	64M	142M
Net Debt Issued / Repaid	-888M	952M	1.02B	1.01B	1.82B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-1.83	0.45	1.67	1.59	1.67
Return On Equity %	-20.37	6	21.53	17.51	17.99
Return on Common Equity	-20.37	6.07	21.87	17.79	17.32
Shareholders Value Added	-1.8B	-268M	702M	332M	600M
Margin Analysis
SG&A Margin	244.26	55.36	28.73	32.84	33.44
Net Interest Income / Total Revenues %	434.7	95.6	55.46	86.75	83.01
EBT Excl. Non-Recurring Items Margin %	-184.21	35.01	64.72	63.69	67.98
Income From Continuing Operations Margin %	-390.87	23.66	47.58	51.12	50.03
Net Income Margin %	-390.87	23.74	47.58	45.49	47.95
Net Avail. For Common Margin %	-390.87	23.74	47.58	51.6	48.18
Normalized Net Income Margin	-115.13	21.96	40.45	40.28	40.63
Asset quality
Nonperforming Loans / Total Loans %	13.98	6.79	5.2	3.53	3.29
Nonperforming Loans / Total Assets %	8.45	3.56	2.77	1.9	1.7
Nonperforming Assets / Total Assets %	9.36	4.33	3.48	2.53	2.23
NPAs / Loans and OREO	15.25	8.13	6.45	4.66	4.28
NPAs / Equity	120.88	59.84	42.19	25.59	25.4
Allowance for Credit Losses / Net Charge-offs %	667.37	421.62	686.08	372.19	3.97K
Allowance for Credit Losses / Nonperforming Loans %	60.74	67.46	72.04	83.2	76.15
Allowance for Credit Losses / Total Loans %	8.49	4.58	3.75	2.93	2.5
Net Charge-offs / Total Average Loans %	1.39	1.17	0.59	0.83	0.07
Provision for Loan Losses / Net Charge-offs %	399.42	110.36	122.78	121.89	918.18
Interest Income / Average Assets	2.94	2.57	2.89	5.63	5.56
Interest Expense / Average Assets	0.91	0.73	0.96	2.88	2.82
Net Interest Income / Average Assets	2.03	1.84	1.94	2.75	2.73
Non Interest Income / Average Assets	1.57	0.77	1.92	0.94	0.89
Non Interest Expense / Average Asset	1.33	1.25	1.23	1.15	1.05
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.99	7.42	7.63	9.01	9.28
Total Average Equity / Total Average Assets %	8.99	7.49	7.75	9.07	9.28
Total Equity + Allowance for Loan Losses / Total Loans %	21.3	18.13	19.02	21.35	19.51
Gross Loans / Total Deposits %	86.83	77.09	75.95	74.56	66.49
Net Loans / Total Deposits %	79.34	73.47	72.98	72.23	64.75
Tier 1 Capital Ratio %	13.9	13.7	16	16.9	16.8
Total Capital Ratio %	16.3	16.1	19.2	19.4	19.5
Core Tier 1 Capital Ratio	13.9	13.7	16	16.9	16.8
Tier 2 Capital Ratio	2.36	2.39	3.13	2.47	2.75
Coverage Ratio	60.74	67.46	71.98	82.6	90.34
Interbank Ratio	44.41	52.21	23.04	42.82	57.71
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-0.43	1.94	3.28	1.68	1.72
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.03	-2.08	17.34	46.89	15.32
Non Interest Income, 1 Yr. Growth %	149.78	-46.94	179.78	-50.83	9.68
Provision For Loan Losses, 1 Yr. Growth %	233.49	-76.45	-40.61	49.28	-26.46
Total Revenues, 1 Yr. Growth %	-73.48	351.57	102.54	-7.77	20.51
Earnings From Cont. Operations, 1 Yr. Growth %	-1.04K	-126.91	306.73	-4.76	17.95
Net Income, 1 Yr. Growth %	-1.06K	-127	305.49	-15.37	27.02
Normalized Net Income, 1 Yr. Growth %	-353.74	-184.27	274.07	-11.98	21.56
Diluted EPS Before Extra, 1 Yr. Growth %	-953.82	-126.99	305.38	-5.56	16.76
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	12.5
Gross Loans, 1 Yr. Growth %	-8.03	-0.16	6.06	-1.11	22
Allowance For Loan Losses, 1 Yr. Growth %	-51.02	-46.16	-13.14	-22.63	4.05
Net Loans, 1 Yr. Growth %	0.16	4.12	6.95	-0.32	22.65
Non Performing Loans, 1 Yr. Growth %	-55.8	-51.52	-18.67	-33.01	13.69
Non Performing Assets, 1 Yr. Growth %	-53.26	-46.81	-15.96	-28.69	11.83
Total Assets, 1 Yr. Growth %	4.58	14.96	4.63	-2.08	26.78
Total Deposits, 1 Yr Growth %	5.5	12.45	7.72	0.71	36.81
Tangible Book Value, 1 Yr. Growth %	-20.61	5.23	20.04	19.32	12.15
Common Equity, 1 Yr. Growth %	-21.31	5.26	19.57	19.01	12.66
Total Equity, 1 Yr. Growth %	-21.33	7.09	19.22	17.34	12.66
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.39	-2.05	7.19	28.29	30.15
Non Interest Income, 2 Yr. CAGR %	53.22	14.89	21.65	16.41	-26.56
Provision For Loan Losses, 2 Yr. CAGR %	74.94	-11.39	-62.61	-8.3	4.78
Total Revenues, 2 Yr. CAGR %	-48.72	8.66	202.22	34.76	5.43
Earnings From Cont. Operations, 2 Yr. CAGR %	177.08	59.21	4.63	97.92	5.99
Net Income, 2 Yr. CAGR %	261.15	60.71	4.63	86.43	3.68
Normalized Net Income, 2 Yr. CAGR %	35.58	46.78	77.22	82.76	3.44
Diluted EPS Before Extra, 2 Yr. CAGR %	116.19	51.94	4.61	96.05	5.01
Gross Loans, 2 Yr. CAGR %	-4.72	-4.18	2.9	2.41	9.84
Allowance For Loan Losses, 2 Yr. CAGR %	-37.14	-48.65	-31.62	-18.02	-10.28
Net Loans, 2 Yr. CAGR %	1.63	2.12	5.53	3.25	10.57
Non Performing Loans, 2 Yr. CAGR %	-41.37	-53.71	-37.21	-26.19	-12.73
Non Performing Assets, 2 Yr. CAGR %	-39.3	-50.14	-33.14	-22.58	-10.7
Total Assets, 2 Yr. CAGR %	8.06	9.64	9.68	1.23	11.42
Total Deposits, 2 Yr CAGR %	10	8.92	10.03	4.17	17.38
Tangible Book Value, 2 Yr. CAGR %	1.78	-8.44	12.39	19.81	15.68
Common Equity, 2 Yr. CAGR %	2.41	-8.84	12.19	19.42	15.79
Total Equity, 2 Yr. CAGR %	1.98	-8.06	12.99	18.4	14.97
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.69	-2.29	4.02	17.24	23.81
Non Interest Income, 3 Yr. CAGR %	35.71	7.45	54.4	-10.51	14.12
Provision For Loan Losses, 3 Yr. CAGR %	40.52	-10.35	-22.45	-41.72	-14.8
Total Revenues, 3 Yr. CAGR %	-35.02	5.4	33.67	101.57	29.83
Earnings From Cont. Operations, 3 Yr. CAGR %	90.3	27.44	117.65	1.78	66.56
Net Income, 3 Yr. CAGR %	126.78	52.22	118.78	-2.1	64.05
Normalized Net Income, 3 Yr. CAGR %	43.37	16	100.24	41.02	59.53
Diluted EPS Before Extra, 3 Yr. CAGR %	59.53	8.11	110.73	1.23	64.95
Gross Loans, 3 Yr. CAGR %	-4.73	-3.22	-0.88	1.55	8.56
Allowance For Loan Losses, 3 Yr. CAGR %	-29.99	-40.3	-38.82	-28.74	-11.24
Net Loans, 3 Yr. CAGR %	0.28	2.46	3.71	3.54	9.35
Non Performing Loans, 3 Yr. CAGR %	-	-44.97	-44.14	-35.84	-14.75
Non Performing Assets, 3 Yr. CAGR %	-	-41.92	-40.66	-31.69	-12.49
Total Assets, 3 Yr. CAGR %	4.1	10.31	7.95	5.61	9.12
Total Deposits, 3 Yr CAGR %	11.62	10.81	8.5	6.84	14.08
Tangible Book Value, 3 Yr. CAGR %	-5.96	3.03	0.21	14.74	17.2
Common Equity, 3 Yr. CAGR %	-5.19	3.46	-0.21	14.5	17.12
Total Equity, 3 Yr. CAGR %	-9.81	3.77	0.25	14.5	16.45
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.64	-2.02	1.15	8.95	12.73
Non Interest Income, 5 Yr. CAGR %	28.54	9.18	29.79	10.88	14.35
Provision For Loan Losses, 5 Yr. CAGR %	-4.83	-7.94	-17.25	-9.54	-13.45
Total Revenues, 5 Yr. CAGR %	-19.23	5.11	19.84	16.26	20.88
Earnings From Cont. Operations, 5 Yr. CAGR %	2.93	8.05	49.85	51.98	63.58
Net Income, 5 Yr. CAGR %	0.54	6.9	66.48	65.08	62.7
Normalized Net Income, 5 Yr. CAGR %	-21.85	23.49	56.29	39.03	54.19
Diluted EPS Before Extra, 5 Yr. CAGR %	-38.37	-2.73	34.79	37.18	59.61
Gross Loans, 5 Yr. CAGR %	-4.6	-4.25	-1.75	-1.01	3.28
Allowance For Loan Losses, 5 Yr. CAGR %	-21.67	-30.56	-30.65	-32.23	-28.69
Net Loans, 5 Yr. CAGR %	-1.27	-0.05	2.35	2.77	6.4
Non Performing Loans, 5 Yr. CAGR %	-24.03	-34.43	-	-38.11	-33.23
Non Performing Assets, 5 Yr. CAGR %	-22.78	-32.06	-	-34.84	-30.12
Total Assets, 5 Yr. CAGR %	-1.64	3.22	6.3	6.59	9.33
Total Deposits, 5 Yr CAGR %	8.5	9.3	10.98	8.09	11.97
Tangible Book Value, 5 Yr. CAGR %	-1.35	-1.26	1.06	9.44	6.18
Common Equity, 5 Yr. CAGR %	-0.84	-0.78	1.48	9.57	5.95
Total Equity, 5 Yr. CAGR %	-5.96	-5.29	-1.24	9.39	5.95