Eurobank S.a. · ATHEX:EUROB
Eurobank — Eurobank Ergasias Services and Holdings — 9M 2025 Earnings Presentation
71 slides from Eurobank's earnings presentation, Oct 30, 2025
Slide 1: 9M 2025 results
9M 2025 results 30 October 2025
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: This presentation has been prepared by Eurobank Ergasias Services and Holdings S.A. (“Eurobank Holdings”) and its 100% subsidiary Eurobank S
Slide 3: Table of contents
Table of contents 9M25 results highlights 4 Regional Presence 13 Balance sheet 18 Profitability 26 Asset Quality 34 Capital 38 Sustainability 41 Macroeconomic update 48 Appendix I – Supplementary information 59 Appendix II - Glossary 66 3
Slide 4: 9M25 results highlights
9M 2025 Results 9M25 results highlights
Slide 5: 9M25 results highlights: Profitability
9M25 results highlights: Profitability P&L (€ m) 3Q25 2Q25 Δ(%) 9M25 9M24 Δ(%) ❑ Adjusted Net Profit €1,058m; reported €1,033m in 9M25 Net interest income 631.8 632.5 (0.1) 1,902.2 1,829.7 4.0 Commission income 192.8 195.2 (1.3) 557.2 450.5 23.7 ❑ 9M25 RoTBV1 at 16.2% Other Income 19.8 6.6 >100 46.4
Slide 6: 9M25 results highlights: Balance Sheet
9M25 results highlights: Balance Sheet Capital ▪ 3Q25 CET1 at 15.5%1,6, including: Key Balance sheet ratios ▪ Organic capital generation (c.+65bps q-o-q) ▪ Asset growth (c.-25bps q-o-q) Group (%) 3Q25 2Q25 1Q25 4Q24 3Q24 ▪ 3Q25 Dividend accrual (c.-30bps q-o-q) Capital6 ▪ 3Q25 CAD at 18.9% after €95
Slide 7: Eurolife Life insurance acquisition
Eurolife Life insurance acquisition Acquisition of 80% of Eurolife Life insurance at 1.45x P/BV1 Fees & Commissions Income Core PPI ❑ Accretive transaction c.+12% c.+5% ❑ Diversifies further Eurobank’s income stream Asset Mng & Insurance >30% of F&C ❑ Eurolife’s recurring profitability track record
Slide 8: Eurobank insurance business footprint
Eurobank insurance business footprint Company Country Sector Market share1 Bancassurance (share) Eurolife Life (100%) Life 22% Active ✓ Greece Eurolife P&C (20%) P&C 3% Active ✓ ERB Cyprialife Life 30% Under development (100%) Cyprus ERB Asfalistiki P&C 21% Under development (55%) Cooperation with 3
Slide 9: Regional footprint
Regional footprint Contribution to Net Loans Deposits Wealth Mng Net Profit1 Contribution to Assets (€ bn) Group assets (€ bn) (€ bn) (€ bn) (€m) Group Net profit Greece 59.2 58% 34.9 43.4 13.1 501 47% Cyprus 28.1 27% 8.5 23.3 4.6 370 35% Bulgaria 12.7 12% 8.5 9.7 0.1 167 16% Lux 3% 2% 2.8 0.9 2.5 4
Slide 10: Core Income
Core Income Δ NII (y-o-y, € m)1 Δ Fees (y-o-y, € m) +4.0% +23.7% 130 37 1,902 1,830 52 (14) (52) 44 0 557 (81) 56 8 451 (1) 2 Δ Loans 9M24 9M25 Δ MREL & Tier II Δ other Δ Deposits Δ Central banks Δ Bonds 9M24 9M25 Δ Lending Δ Rental & other Δ Wealth & Insurance Δ Capital Markets Δ Network & credit c
Slide 11: Profitability
Profitability Core PPI and Provisions (€ m) Core Operating Profit2 (€ m) 1,297 1,292 1,526 1,529 Core PPI 9M24 9M25 Profit before Tax3 (€ m) Loan Loss (229) (238) Provisions 9M24 9M25 1,497 1,366 CoR1 68 61 (bps) 9M24 9M25 1. On net loans. 2. Core Operating profit= Core PPI minus loan loss provision
Slide 12: Capital & TBV
Capital & TBV CET11 TBV per share (€) 16.9% 15.7% 15.5%2 2.46 2.31 2.27 3Q24 4Q24 3Q25 CAD1 20.1% 18.9%2 18.5% 3Q24 4Q24 3Q25 3Q24 4Q24 3Q25 1. Accounting for payout accrual. Including period profits, subject to AGM approval. Payout subject to regulatory & AGM approval. 2. Pro forma Sun (ex-Solar) N
Slide 13: Regional Presence
9M 2025 Results Regional Presence
Slide 14: Eurobank Ltd key P&L metrics
Eurobank Ltd key P&L metrics Merger of the 2 banks – effective 1st September 2025 Core PPI & Provisions1 (€ m) Core PPI 153 154 143 9M25 Highlights1 Net profit2 €370m ▪ NII at €573m 1Q25 2Q25 3Q25 ▪ 9M25 NIM at 2.75% Provisions (6) (3) 2 ▪ Commission income at €124m Net Profit1,2 (€ m) ▪ Cost – to -
Slide 15: Eurobank Ltd key B/S metrics
Eurobank Ltd key B/S metrics1 Gross loans (€ bn) Key metrics 8.8 8.8 8.62 3Q25 2Q25 1Q25 Assets (€ bn) 28.1 28.1 27.3 5.5 5.5 Business 5.3 Net loans (€ bn) 8.52 8.7 8.7 Capital 2.6 2.6 2.6 Mortgages CET13 (%) 36.4 0.7 0.7 0.7 Consumer RWAs (€ bn) 8.5 1Q25 2Q25 3Q25 Liquidity (%) Deposits (€ bn) L/D
Slide 16: Bulgaria key P&L metrics
Bulgaria key P&L metrics1 9M25 Highlights Core PPI and provisions (€ m) Net profit2 €167m, up 8.7% y-o-y Core PPI ▪ NII up 2.1% y-o-y at €302m 78 79 74 73 73 ▪ 9M25 NIM at 3.31% ▪ Commission income up 15.0% y-o-y at €70m ▪ Cost – to - core income at 38.0% ▪ Core PPI at €230m, up 7.5% y-o-y 3Q24 4Q24
Slide 17: Bulgaria key B/S metrics
Bulgaria key B/S metrics1 Gross loans (€ bn) Key metrics 8.2 8.4 8.7 7.4 7.8 3Q25 2Q25 1Q25 4Q24 3Q24 3.6 3.7 3.7 Business Assets (€ bn) 12.7 12.4 12.1 11.5 10.6 3.3 3.5 Net loans (€ bn) 8.5 8.2 8.0 7.6 7.2 2.4 2.5 2.7 2.8 Mortgages 2.2 Capital 1.9 1.9 2.0 2.1 2.1 Consumer CET1 (%)2 21.7 21.3 20.7 1
Slide 18: Balance sheet
9M 2025 Results Balance sheet
Slide 19: Balance sheet composition
Balance sheet composition Assets (€ bn) Liabilities and Equity (€ bn) 103.0 103.0 52.9 Net loans 79.0 Deposits Investment Securities 24.6 Other3 4.1 Placements to banks Wholesale funding 3.2 2.3 Senior notes 5.6 Cash & Central banks 13.3 Tier II 1.2 Investment property 1.3 Equity4 9.9 DTA1 3.6 PP&E,
Slide 20: Securities portfolio
Securities portfolio Breakdown per issuer Breakdown per classification FVTPL & Trading, 5% FVOCI, 16% CLOs (AAA), 7% FVTPL & € 24.6bn Trading, 6% Amortized Cost, 78% Covered Bonds; 9% Greek Sovereign, 23% Financial Institutions, € 24.6bn Amortized cost breakdown 8% Corporate bonds, Financial Insitut
Slide 21: Gross Loans
Gross Loans Breakdown by country (€ bn) Breakdown by type (€ bn) Organic1 growth +€1.1bn q-o-q; +€3.3bn in 9M25 (+11.2% y-o-y) 53.1 53.6 54.3 53.6 54.3 52.3 Lux 52.3 53.1 50.4 50.4 4.2 4.1 Senior Notes 4.4 4.3 8.8 8.8 8.6 Cyprus 8.8 4.4 8.7 8.2 8.4 8.7 Bulgaria 7.8 7.4 31.7 32.1 32.6 Business 29.2 3
Slide 22: Deposits
Deposits Breakdown by country (€ bn) Time / Total 36% 36% 36% 34% 33% Group Deposits up €0.9bn q-o-q; up €0.4bn in 9M251 (+5.9% y-o-y) 32% 33% 32% 31% Greece 29% 78.6 77.1 78.2 79.0 74.6 Lux 3Q24 4Q24 1Q25 2Q25 3Q25 23.6 23.2 23.3 23.3 Cyprus 22.5 8.8 9.0 9.4 9.7 Bulgaria Breakdown by customer 8.4 4
Slide 23: Liquidity
Liquidity Net loans / Deposits ratio Net ECB position (€ bn) 67.0% 66.9% 66.9% 65.8% 64.8% 17.4 16.1 14.9 14.2 13.3 Cash 3Q24 4Q24 1Q25 2Q25 3Q25 -3.1 Funding 9M24 FY24 1Q25 1H25 9M25 Liquidity coverage ratio (LCR) HQLAs1 Cash , Level 2 Assets, 3% 1% 188.2% 190.5% 187.1% € 22.6 bn 182.8% 180.4%3 Cen
Slide 24: MREL position
MREL position MREL (% RWAs) MREL buffer of 140bps ▪ 3Q25 MREL ratio at 29.2% of RWAs; ca 140bps above the final MREL 29.2% 27.8% target of 27.8%2 applicable from 2Q25 Senior preferred 4.3 CBR1 liabilities2 10.3 ▪ Legacy Tier 2 instrument of €950m held by the Hellenic Republic called in September 202
Slide 25: Wealth Management
Wealth Management Managed Funds (AuM, € bn) Private Banking (CAL1 per booking, € bn) +10% +32% 14.0 9.3 13.2 13.5 12.8 13.0 8.5 8.1 4.8 7.6 Greece 4.3 4.4 4.6 7.1 4.1 6.5 Own Mutual Funds 6.1 5.8 4.4 Cyprus 5.5 3.9 3.9 3.9 4.2 5.3 1.4 3rd party Funds 1.2 1.2 4.7 4.8 4.9 4.7 4.9 Luxembourg 1.1 1.1 0.
Slide 26: Profitability
9M 2025 Results Profitability
Slide 27: Loan spreads & rates
Loan spreads & rates Client rates (bps) Lending spreads (bps)1 Greece 3Q24 4Q24 1Q25 2Q25 3Q25 Greece 3Q24 4Q24 1Q25 2Q25 3Q25 Corporate 592 554 496 464 432 Corporate 207 200 197 190 184 Retail 597 556 522 498 482 Retail 306 299 302 313 317 Consumer 1,006 1,003 1,015 1,025 1,016 Consumer 690 722 766
Slide 28: Net Interest margin & deposit spreads
Net Interest margin & deposit spreads Net Interest margin (bps) Deposit spreads (Greece, bps) 333 3Q24 4Q24 1Q25 2Q25 3Q25 312 SEE 293 282 275 Savings & Sight 355 303 257 207 189 281 270 Group 253 250 246 Time 118 98 91 78 66 246 Greece 240 Total 279 238 205 168 154 224 226 225 3Q24 4Q24 1Q25 2Q25 3
Slide 29: Net Interest Income
Net Interest Income NII breakdown (€ m)1 Δ NII (q-o-q, € m)1 9M25 NII up 4.0% y-o-y 2Q25 633 3Q24 4Q24 1Q25 2Q25 3Q25 Δ Loans (19) Loans 662 645 593 589 571 Bonds 201 202 207 200 203 Δ Bonds 3 Central banks 107 100 89 65 61 Money Market & (16) (6) 1 12 12 Δ Central banks (4) Repos Senior notes (48)
Slide 30: Commission Income
Commission Income Commission income breakdown (€ m) Commission income per region (€ m) 9M25 commission income up 23.7% y-o-y Fees/ assets (bps) 68 86 67 77 75 215 215 195 193 195 193 63bps / 168 75 169 36 37 Lending 62 assets 168 169 40 38 75 69 SEE 57 61 83 82 Transactions 76 & credit cards 66 71 8
Slide 31: Operating expenses
Operating expenses OpEx per region (€ m) OpEx breakdown (Greece, € m) 9M25 OpEx up 23.3% y-o-y, up 6.0% l-f-l1 517 317 304 316 484 297 310 30 Depreciation 28 132 138 137 138 139 SEE 98 IT2 89 102 Administrative 180 172 177 Greece 99 165 168 3Q24 4Q24 1Q25 2Q25 3Q25 270 286 Staff Cost –to- core incom
Slide 32: Pre-provision income (PPI)
Pre-provision income (PPI) Core PPI and other income (€ m) Δ Core PPI (q-o-q, € m) 26 (2) 20 7 20 Other income 568 575 503 518 508 600 261 247 518 508 235 240 230 SEE 500 (1) (3) (7) 308 328 267 278 279 Greece 400 3Q24 4Q24 1Q25 2Q25 3Q25 300 200 PPI per region (€ m) 100 594 573 523 525 528 0 2Q25 C
Slide 33: Core Operating Profit
Core Operating Profit Δ Core Operating Profit (y-o-y, € m) Core Operating Profit per region (€ m) Core Operating 1,297 1,292 Profit 73 107 483 485 1,526 1,529 Core PPI 439 426 426 (176 ) Lux 151 182 148 151 146 Cyprus 62 60 59 66 66 Bulgaria Loan Loss 259 207 Greece 235 Δ Fees Δ OPEX Δ NII Provision
Slide 34: Asset Quality
9M 2025 Results Asset Quality
Slide 35: Asset quality metrics
Asset quality metrics NPE formation1 (€ m) NPE ratio (%) Δ NPE stock 1244 68 4 (37) 34 (q-o-q, €m) 2.9% 2.9% 2.9% 50 47 48 2.8% 2.8% 45 SEE 12 Greece 3Q24 3 4Q24 3 1Q25 3 2Q253 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 Loan loss provision (€ m) NPE coverage (%) 70 72 59 61 63 Cost of Risk2 120 (bps) 85 91 92.8%
Slide 36: NPE metrics (Group)
NPE metrics (Group) 90dpd bridge to NPE (€ bn) NPE per region Provisions & NPE Total NPE NPE ratio collaterals / 0.2 1.5 coverage 0.4 NPE (€ m) (%) (%) (%) 0.9 Consumer 96 5.4 120.7 121 (1.4) Mortgages 350 4.8 134.7 227 0.1 Small Business 276 10.2 75.3 147 Corporate 433 1.8 71.8 146 2 90dpd NPF 0- U
Slide 37: Loans' stage analysis (Group)
Loans’ stage analysis (Group) Loans’ stage breakdown Provisions stock over NPE (€ bn) 3Q24 4Q24 1Q25 2Q25 3Q25 89.9% 92.8% 94.0% Stage 1 43.7 45.5 46.3 46.8 47.6 88.4% 89.1% Stage 2 4.9 4.9 4.9 5.0 5.0 Stage 3 (NPE) 1.5 1.5 1.5 1.5 1.5 2 Total 50.2 52.1 52.9 53.4 54.31 3Q24 4Q24 1Q25 2Q25 3Q25 Stage
Slide 38: Capital
9M 2025 Results & EUROBANK Holdings Capital
Slide 39: Capital ratios (CET1, q-o-q)
Capital ratios (CET1, q-o-q) 67bps 15.5% 15.5%2 (31bps) (24bps) (6bps) (3bps) 11.6% 2Q25 1 3Q25 3Q25 3 Asset Growth DTC4 Other 3Q25 1 2025 OCR Net Profit Payout Accrual RWAs 51,110 51,814 (€ m) Capital 7,927 8,049 (€ m) 1. Including period profits, subject to AGM approval. 2. Pro forma Sun (ex-Solar
Slide 40: Capital ratios (CAD, q-o-q)
Capital ratios (CAD, q-o-q) 67bps 19.8% 18.9%2 (31bps) (31bps) (6bps) 3.3% (92bps) (2bps) Tier II 2.4% Tier II AT1 1.0% 1.0% AT1 15.3% CET1 15.5% 15.5% CET1` 5 2Q25 1 3Q25 3Q25 Asset Growth DTC 4 Tier II Other 3Q25 1 2025 CAD OCR Net Profit Payout accrual3 RWAs 51,110 51,814 (€ m) Capital 10,128 9,7
Slide 41: Sustainability
9M 2025 Results Sustainability https://www.eurobankholdings.gr/en/esg-environment-society-governance
Slide 42: Operational Impact Strategy Highlights – Environment (1/3)
Operational Impact Strategy Highlights – Environment (1/3) • 25,463 MWh total electricity consumption • 97.96% of total electricity consumed was sourced from Renewable Energy Sources (Certified Guarantees of Origin plus own production) • 982 MWh consumed from own-produced electricity • 87% of Euroba
Slide 43: Operational Impact Strategy Highlights – Social (2/3)
Operational Impact Strategy Highlights – Social (2/3) Inclusive Entrepreneurship • The egg Accelerator, Eurobank’s business accelerator, participated in the European Angel Investment Summit 2025 (Copenhagen), facilitating pitches for startups to international investors with EBAN (European Business A
Slide 44: Operational Impact Strategy Highlights – Governance & Business (3/3)
Operational Impact Strategy Highlights – Governance & Business (3/3) Internal Sustainability Engagement • Eurobank’s voluntary action is part of a coordinated initiative to protect the country's aquatic ecosystems: o 50 TeamUp volunteers from the Peloponnese visited Ancient Olympia, where, with We4a
Slide 45: Financed Impact Strategy – Progress & Key Figures
Financed Impact Strategy – Progress & Key Figures Accelerated sustainable financing in line with Portfolio Decarbonization has a pivotal role in our ambitious strategy1 our sustainability strategy2 More than €2.4bn in new green disbursements to corporate clients, mainly focusing on energy financing
Slide 46: Financed Impact Strategy – The pathway to Net Zero
Financed Impact Strategy – The pathway to Net Zero As part of its strategic roadmap, Eurobank is currently developing a comprehensive transition plan that will cover key areas and sectors within the Group portfolio, supporting its long-term sustainability goals. This initiative complements the Group
Slide 47: Sustainability Ratings & Distinctions
Sustainability Ratings & Distinctions Ratings Distinctions • Global Finance magazine: Eurobank has been named "Best Consumer Digital Bank in Western Europe" for the sixth consecutive year and received the "Best User Experience (UX) for Businesses" award at Global Finance's 2025 World's Best Digital
Slide 48: Macroeconomic update
9M 2025 Results Macroeconomic update
Slide 49: Macro highlights (Greece)
Macro highlights (Greece) 2024A 2025E 2026E Source GDP growth 2.1% 2.2% 2.4% Inflation (avg) 3.0% 3.0% 2.2% Draft Budget Unemployment (avg) 10.1% 9.1% 8.6% 2026 General Government primary surplus 4.7% 3.6% 2.8% Gross Public Debt / GDP 154.2% 145.4% 137.6% • As of May 2025, Greece is rated investment
Slide 50: Real GDP growth continues to overperform the Euro Area
Real GDP growth continues to overperform the Euro Area Annual % change Greece EA 1H25 GDP 2.0 1.5 Private consumption 1.5 1.4 Government consumption 0.2 1.9 Gross Capital Formation -3.5 5.3 Gross Fixed Capital Formation 2.1 2.7 Exports 2.2 1.3 Exports of goods 0.5 1.4 Exports of services 2.2 1.2 Imp
Slide 51: Labour Market (Greece)
Labour Market (Greece) The unemployment rate continues to decline amid labor shortages, Employment remains on an upward trajectory reducing the gap with the Euro Area contributing positively to households’ disposable incomes Recovery of productivity requires continued implementation of Long term une
Slide 52: Selected indicators of economic activity (Greece)
Selected indicators of economic activity (Greece) PMI Manufacturing Index 68 Greece 63 Euro Area 58 52.0 53 Index 48 49.8 43 38 33 28 Sep-20 Sep-22 Sep-24 Sep-25 Sep-23 Sep-21 Sep-13 Sep-12 Sep-14 Sep-15 Sep-16 Sep-11 Sep-17 Sep-18 Sep-19 Month-Year Source:IOBE, S&P Global, Eurobank Research 52
Slide 53: Real estate: apartment prices & residential investment (Greece)
Real estate: apartment prices & residential investment (Greece) • Real estate: apartment prices in nominal terms have almost returned to their pre-debt crisis level • Residential investment is rising but still at 2.6% of GDP vs. 5.7% in the Euro Area Source: BoG, ELSTAT, Eurostat 53
Slide 54: Real estate market dynamics (Greece)
Real estate market dynamics (Greece) Average House Price over gross disposable income per capita Source: Eurostat, ELSTAT, Bank of Greece, The Joint Research Centre, Eurobank Research 54
Slide 55: Fiscal and current account balances (Greece)
Fiscal and current account balances (Greece) ▪ GG primary surplus of 2.0% and 4.7% of GDP in 2023 and 2024; expected at 3.6% and 2.8% of GDP in 2025 and 2026 (2026 Draft Budget) ▪ Current account deficit at -7.0% of GDP in 2024, from -6.7% of GDP in 2023 and -10.7% in 2022; forecasted at -5.8% of GD
Slide 56: Sovereign debt profile (Greece)
Sovereign debt profile (Greece) General Government gross public debt ▪ Greece's Gross Public Debt is expected to decrease to 145.4% in 2025 (% of GDP, ESA terms) and 137.6% in 2026 (2026Draft Budget), down from 164.3% in 2023 and a peak of 209.4% in 2020 ▪ The debt figures include EFSF loan interest
Slide 57: Cyprus
Cyprus ▪ GDP growth accelerated to 3.3% y-o-y in 2Q25, from 3.1% y-o-y in 1Q25. The European Commission (May 2025) foresees a 3.0% growth in 2025 and a deceleration to 2.5% in 2026 ▪ Unemployment at 4.3% in 2Q25, a 17-year low for this period of the year ▪ Strong disinflation due to a VAT cut in ele
Slide 58: Bulgaria
Bulgaria ▪ Resilient economic growth continued in 2Q25, with GDP expanding by 3.4% y-o-y, marginally outpacing the 3.3% y-o-y pace recorded in 1Q ▪ Inflation escalated after the approval of the Eurozone entry, despite the measures taken in August: 4.1% y-o-y in September from 2.8% y-o-y in April ▪ R
Slide 59: Appendix I – Supplementary information
9M 2025 Results Appendix I – Supplementary information
Slide 60: Credit ratings
Credit ratings Greek Sovereign Cyprus Sovereign Bulgaria Sovereign Eurobank Eurobank Credit Rating Credit Rating Credit Rating Long Term Outlook Baa3 A3 Baa1 Baa1 Stable BBB A- BBB+ BBB- Stable BBB- A- BBB+ BBB- Positive BBB A BBB high BBB Positive Note: Moody’s: Long term senior unsecured debt rati
Slide 61: Summary performance
Summary performance Balance sheet – key figures Income statement – key figures €m 3Q25 2Q25 €m 3Q25 2Q25 Gross customer loans 54,262 53,611 Net interest income 631.8 632.5 Provisions (1,387) (1,358) Commission income 192.8 195.2 Loans FVTPL 23 23 Operating income 844.4 834.4 Net customer loans 52,88
Slide 62: Consolidated quarterly financials – Income statement
Consolidated quarterly financials – Income statement (€ m) 3Q25 2Q25 1Q25 4Q24 3Q24 Net Interest Income 631.8 632.5 637.9 677.3 697.7 Commission income 192.8 195.2 169.2 215.3 167.8 Other Income 19.8 6.6 20.0 (2.3) 26.0 Operating Income 844.4 834.4 827.1 890.3 891.4 Operating Expenses (316.3) (309.7
Slide 63: Consolidated quarterly financials – Balance sheet
Consolidated quarterly financials – Balance sheet (€ m) 3Q25 2Q25 1Q25 4Q24 3Q24 Consumer Loans 4,767 4,687 4,591 4,535 4,482 Mortgages 12,865 12,750 12,515 12,474 12,325 Household Loans 17,631 17,438 17,106 17,008 16,807 Small Business Loans 3,526 3,605 3,557 3,586 3,537 Corporate Loans 29,123 28,4
Slide 64: Consolidated financials
Consolidated financials Income Statement (€ m) 9M25 9M24 Δ y-o-y (%) Net Interest Income 1,902.2 1,829.7 4.0 Commission income 557.2 450.5 23.7 Other Income 46.4 71.6 (35.1) Operating Income 2,505.9 2,351.8 6.6 Operating Expenses (930.4) (754.3) 23.3 Pre-Provision Income 1,575.5 1,597.5 (1.4) Loan L
Slide 65: SEE operations key figures – 3Q25
SEE operations key figures – 3Q25 Bulgaria Cyrpus Lux Sum Assets 12,733 28,114 2,842 43,689 Gross loans 8,664 8,634 947 18,245 Balance Sheet Net loans 8,453 8,536 947 17,936 (€m) NPE loans 204 165 0 369 Deposits 9,745 23,331 2,468 35,544 CAD1 23.3% 38.8% 22.4% Core Income 125.3 226.9 15.5 367.7 Oper
Slide 66: Appendix II – Glossary
9M 2025 Results Appendix II – Glossary
Slide 67: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios This document contains financial data and measures as published or derived from the published consolidated financial statements which have been prepared in accordance with International Fina
Slide 68: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Adjusted net profit: Net profit/loss attributable to shareholders excluding restructuring costs, goodwill impairment / gain on acquisition, gains/losses related to the transformation plan an
Slide 69: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Fees & commissions over assets ratio: The total of net banking fee and commission income & income from non banking services of the reported period, annualized and divided by the average bala
Slide 70: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios NPE Coverage ratio: Impairment allowance for loans and advances to customers and ECL allowance for credit related commitments (off balance sheet items), divided by NPEs at the end of the rep
Slide 71: Investor Relations contacts
Investor Relations contacts Dimitris Nikolos +30 214 4058 834 dnikolos@eurobankholdings.gr Yannis Chalaris +30 214 4058 832 ychalaris@eurobankholdings.gr Christos Stylios, CFA +30 214 4058 833 cstylios@eurobankholdings.gr Investor Relations Division +30 214 4058 834 investor_relations@eurobankholdin
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