Eurobank S.a. · ATHEX:EUROB
Eurobank — Q1 2026 Earnings Presentation
70 slides from Eurobank's earnings presentation, May 7, 2026
Slide 1: 1Q 2026 results
(A EUROBANK 1Q 2026 results 7 May 2026
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 S.A. (“Eurobank”). Given the financial period that this presentation covers, there are refer
Slide 3: Table of contents
Table of contents 1Q26 results highlights 4 Regional Presence 11 Balance sheet 16 Profitability 24 Asset Quality 32 Capital 36 Sustainability 39 Macroeconomic update 46 Appendix I – Supplementary information 58 Appendix II - Glossary 65 3
Slide 4: 1Q26 results highlights
1Q 2026 Results 1Q26 results highlights
Slide 5: 1Q26 results highlights: Profitability
1Q26 results highlights: Profitability P&L (€ m) 1Q26 4Q25 Δ(%) 1Q26 1Q25 Δ(%) Net interest income 663.5 646.8 2.6 663.5 637.9 4.0 ❑ Adjusted Net Profit €351m; reported €331m in 1Q26 Commission income 203.0 213.2 (4.8) 203.0 169.2 19.9 Other Income 11.0 6.0 83.9 11.0 20.0 (44.8) ❑ 1Q26 RoTBV1 at 15.
Slide 6: 1Q26 results highlights: Balance Sheet
1Q26 results highlights: Balance Sheet Capital • 1Q26 CET1 at 15.4%1,4, including: Key Balance sheet ratios • Organic capital generation (c.+65bps q-o-q) • Asset growth (c.-35bps q-o-q) Group (%) 1Q26 4Q25 3Q25 2Q25 1Q25 • 1Q26 Dividend accrual (c.-35bps q-o-q) Capital4 • 1Q26 CAD1,6 at 20.4% after
Slide 7: 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 62.3 58% 36.7 45.0 13.8 186 53% Cyprus 28.7 27% 8.9 23.8 4.5 103 29% Bulgaria 14.0 13% 9.1 11.1 0.1 56 16% Lux 3% 2% 3.0 1.0 2.6 5
Slide 8: Core Income
Core Income Δ NII (y-o-y, € m)1 Δ Fees (y-o-y, € m) +4.0% +19.9% 28 3 664 638 34 (35) (12) 19 203 (16) 14 1 3 169 (3) 2 Δ Loans Δ MREL & Tier II Δ other Δ Deposits 1Q25 Δ Central banks 1Q26 Δ Bonds 1Q25 1Q26 Δ Lending Δ Rental & other Δ Wealth & Insurance Δ Capital Markets Δ Network & credit cards E
Slide 9: Profitability
Profitability Core PPI and Provisions (€ m) Core Operating Profit2 (€ m) 460 536 427 503 Core PPI 1Q25 1Q26 Profit before Tax3 (€ m) (76) (76) Loan Loss Provisions 455 1Q25 1Q26 440 CoR1 59 55 (bps) 1Q25 1Q26 1. On net loans. 2. Core Operating profit= Core PPI minus loan loss provisions. 3. Adjusted
Slide 10: Capital & TBV
Capital & TBV CET11 TBV per share (€) 15.5% 15.6% 15.4%2 2.55 2.49 2.39 1Q25 4Q25 1Q26 CAD1 20.0% 20.4%2 18.9% 1Q25 4Q25 1Q26 1Q25 4Q25 1Q26 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 11: Regional Presence
1Q 2026 Results Regional Presence
Slide 12: Eurobank Ltd key P&L metrics
Eurobank Ltd key P&L metrics 1 1Q26 Highlights2 Core PPI & Provisions2 (€ m) Net profit3 €103m • NII at €187m Core PPI 153 154 159 • Commission income at €45m 143 146 • Cost – to - core income at 36.9% • Core PPI at €146m • VES (c.200 FTEs) completed (early April); c. €14m annual cost savings 1Q25 2
Slide 13: Eurobank Ltd key B/S metrics
Eurobank Ltd key B/S metrics1 Gross loans (€ bn) Key metrics 8.8 8.8 8.6 8.8 9.0 1Q26 4Q25 3Q25 2Q25 1Q25 Assets (€ bn) 28.7 28.7 28.1 28.1 27.3 5.5 5.5 5.3 5.4 5.6 Business Net loans (€ bn) 8.9 8.7 8.5 8.7 8.7 Capital 2.6 2.6 2.6 2.6 2.7 Mortgages CET12 (%) 33.1 33.9 36.4 0.7 0.7 0.7 0.7 0.7 Consum
Slide 14: Bulgaria key P&L metrics
Bulgaria key P&L metrics1 1Q26 Highlights Core PPI and provisions (€ m) Net profit2 €56m, up 2.2% y-o-y Core PPI 86 78 79 81 • NII up 15.7% y-o-y at €115m 73 • Commission income stable y-o-y at €23m • Cost – to - core income at 37.7% 1Q25 2Q25 3Q25 4Q25 1Q26 • Core PPI at €86m, up 17.7% y-o-y Provis
Slide 15: Bulgaria key B/S metrics
Bulgaria key B/S metrics1 Gross loans (€ bn) Key metrics 8.7 8.9 9.3 8.2 8.4 1Q26 4Q25 3Q25 2Q25 1Q25 3.7 3.7 3.9 3.6 3.7 Business Assets (€ bn) 14.0 13.6 12.7 12.4 12.1 Net loans (€ bn) 9.1 8.7 8.5 8.2 8.0 2.7 2.8 3.0 3.1 Mortgages 2.5 Capital 2.0 2.1 2.1 2.2 2.3 Consumer CET1 (%)2 20.3 20.4 21.7 2
Slide 16: Balance sheet
1Q 2026 Results Balance sheet
Slide 17: Balance sheet composition
Balance sheet composition Assets (€ bn) Liabilities and Equity (€ bn) 108.0 108.0 108.0 108.0 Net loans 54.7 55.7 Deposits 82.7 82.4 Investment Securities 25.4 28.2 Placements to banks 2.4 2.1 Other3 5.0 4.8 Wholesale funding 2.9 2.9 Cash & Central banks 15.6 12.1 Senior Preferred notes 5.5 5.4 Tier
Slide 18: Securities portfolio
Securities portfolio Breakdown per issuer Breakdown per classification FVTPL & Trading1, CLOs (AAA), 6% 5% FVTPL & Trading1, 5% Covered Bonds; 7% Greek Sovereign, 21% FVOCI, 15% Financial Institutions, 7% €28.2bn €28.2bn Corporate bonds; 10% Amortized Cost, 80% EU Governments, 36% Other US Treasurie
Slide 19: Gross Loans
Gross Loans Breakdown by country (€ bn) Breakdown by type (€ bn) Organic1 growth +€1.1bn in 1Q26 (+9.8% y-o-y) 56.0 57.1 57.1 54.3 Lux 56.0 53.1 53.6 53.1 53.6 54.3 3.9 Senior Notes 4.0 8.8 9.0 Cyprus 4.2 4.1 4.3 8.8 8.8 8.6 8.9 9.3 Bulgaria 8.2 8.4 8.7 34.3 35.2 Business 31.7 32.1 32.6 35.2 35.5 36
Slide 20: Deposits
Deposits Breakdown by country (€ bn) Time / Total 36% 34% 33% Deposits down €0.2bn1 in 1Q26 (+7.0% y-o-y) 33% 32% Group 32% 31% Greece 82.7 82.4 29% 30% 30% 77.1 78.2 79.0 Lux 1Q25 2Q25 3Q25 4Q25 1Q26 23.9 23.8 Cyprus 23.2 23.3 23.3 11.0 11.1 Bulgaria 9.0 9.4 9.7 Breakdown by customer 42.0 43.0 43.4
Slide 21: Liquidity
Liquidity Net loans / Deposits ratio Net ECB position (€ bn) 14.2 14.9 14.6 67.6% 13.3 67.0% 66.9% 66.9% 66.1% 11.4 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 1H25 9M25 FY25 1Q26 Liquidity coverage ratio (LCR) HQLAs1 Cash , Level 2 Assets, 3% 1% 190.5% 182.8% 180.4% 172.2% 165.3% Central Banks deposits2; € 22.6
Slide 22: MREL position
MREL position MREL (% RWAs) MREL buffer of c.240bps • 1Q26 MREL ratio at 30.4% of RWAs; c.240bps above the MREL target of 28% 30.4 28.0 • €400m Tier 2 issued in January 2026, fully utilizing the Bank’s Tier 2 Senior preferred 9.9 4.5 CBR1 capacity liabilities2 Tier 2 3.0 • 1Q26 MREL ratio at 30.2% p
Slide 23: Wealth Management
Wealth Management Managed Funds (AuM, € bn) Private Banking (CAL1 per booking, € bn) +6% +26% 14.5 14.0 14.1 Νet inflows of €0.5bn, 13.2 13.5 10.2 market effect -€0.2bn 9.9 4.8 9.3 4.8 4.7 Greece 4.4 4.6 8.5 8.1 6.8 Own Mutual Funds 6.7 4.7 6.5 3.9 4.4 4.3 Cyprus 4.2 5.8 6.1 1.5 1.6 3rd party Funds
Slide 24: Profitability
1Q 2026 Results Profitability
Slide 25: Loan spreads & rates
Loan spreads & rates Client rates (bps) Lending spreads (bps)1 Greece 1Q25 2Q25 3Q25 4Q25 1Q26 Greece 1Q25 2Q25 3Q25 4Q25 1Q26 Corporate 496 464 432 423 417 Corporate 197 190 184 181 178 Retail 522 498 482 479 482 Retail 302 313 317 311 311 Consumer 1,015 1,025 1,016 1,038 1,028 Consumer 766 812 820
Slide 26: Net Interest margin & deposit spreads
Net Interest margin & deposit spreads Net Interest margin (bps) Deposit spreads (Greece, bps) 293 282 275 277 275 1Q25 2Q25 3Q25 4Q25 1Q26 253 SEE 250 246 245 246 Savings & Sight 257 207 189 190 192 Group Time 91 78 66 64 62 224 226 225 224 223 Greece Total 205 168 154 154 155 1Q25 2Q25 3Q25 4Q25 1Q
Slide 27: Net Interest Income
Net Interest Income NII breakdown (€ m)1 Δ NII (q-o-q, € m)1 1Q26 NII up 4.0% y-o-y 4Q25 647 1Q25 2Q25 3Q25 4Q25 1Q26 Δ Loans 12 Loans 593 589 571 577 577 Bonds 207 200 203 209 222 Δ Bonds 19 Central banks 89 65 61 57 53 Δ Central banks (2) Money Market & +2.6% 1 12 12 10 16 Repos Δ Deposits 1 Senio
Slide 28: Commission Income
Commission Income Commission income breakdown (€ m) Commission income per region (€ m) Fees/ assets 1Q26 commission income up 19.9% y-o-y (bps) 67 77 75 81 75 213 213 203 203 195 193 195 193 63bps / 169 36 65 51 Lending 37 assets 169 72 71 38 75 69 SEE 61 83 82 63 66 Transactions & credit cards 66 8
Slide 29: Operating expenses
Operating expenses OpEx per region (€ m) OpEx breakdown (Group, € m) 1Q26 OpEx up 8.5% y-o-y 328 330 330 304 310 316 304 Regulatory charges 10 8 18 Depreciation 139 131 148 SEE 17 137 138 64 IT1 57 177 197 182 Greece 55 Administrative 168 172 50 1Q25 2Q25 3Q25 4Q25 1Q26 172 183 Staff Cost –to- core
Slide 30: Pre-provision income (PPI)
Pre-provision income (PPI) Core PPI and other income (€ m) Δ Core PPI (q-o-q, € m) 20 7 20 6 11 Other income 503 518 508 532 536 235 240 230 247 239 SEE 532 17 536 (10) (3) 267 278 279 285 298 Greece 1Q25 2Q25 3Q25 4Q25 1Q26 PPI per region (€ m) 523 525 528 538 547 Δ NII Δ opex 4Q25 Δ commissions 1Q
Slide 31: Core Operating Profit
Core Operating Profit Δ Core Operating Profit (y-o-y, € m) Core Operating Profit per region (€ m) Core Operating 426 460 462 460 Profit 439 Lux 426 426 26 34 536 Core PPI 503 155 135 Cyprus (26 ) 151 146 148 60 Bulgaria 66 59 66 66 258 Greece (76) (76) 232 Δ Fees Δ OPEX Loan Loss 209 213 207 Δ NII P
Slide 32: Asset Quality
1Q 2026 Results Asset Quality
Slide 33: Asset quality metrics
Asset quality metrics NPE formation1 (€ m) NPE ratio (%) Δ NPE stock 4 (37) 34 (97) 36 (q-o-q, €m) 2.9% 48 49 2.8% 2.8% 45 42 2.6% 2.6% SEE 12 Greece 1Q25 3 2Q25 3 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 Loan loss provision (€ m) NPE coverage (%) 59 61 63 52 55 Cost of Risk2 120 (bps) 92.8% 94.0% 95
Slide 34: NPE metrics (Group)
NPE metrics (Group) 90dpd bridge to NPE (€ bn) NPE per region Provisions & NPE Total NPE NPE ratio collaterals / 0.2 coverage 1.5 NPE 0.5 (€ m) (%) (%) (%) 0.7 Consumer 98 5.4 119 119 (1.4) Mortgages 404 5.6 118 213 0.1 Small Business 270 9.9 73 147 Corporate 295 1.1 82 159 2 90dpd NPF 0- UTP NPE St
Slide 35: Loans’ stage analysis (Group)
Loans’ stage analysis (Group) Loans’ stage breakdown Provisions stock over NPE (€ bn) 1Q25 2Q25 3Q25 4Q25 1Q26 92.8% 94.0% 95.2% 94.1% Stage 1 46.3 46.8 47.6 49.6 50.6 89.1% Stage 2 4.9 5.0 5.0 4.9 4.8 Stage 3 (NPE) 1.5 1.5 1.5 1.4 1.5 2 Total 52.9 53.4 54.3 56.0 57.11 1Q25 2Q25 3Q25 4Q25 1Q26 Stage
Slide 36: Capital
1Q 2026 Results & EUROBANK Capital
Slide 37: Capital ratios (CET1, q-o-q)
Capital ratios (CET1, q-o-q) 63bps 15.6%2 15.4%2 (35bps) (33bps) (8bps) (8bps) 13.0% 10.7% 2026 OCR 4Q25 1 1Q26 1Q26 3 Asset DTC Debt securities at 1Q26 1 Internal mng Net Profit Payout Accrual Growth acceleration FVOCI target RWAs 52,245 53,503 (€ m) Capital 8,132 8,227 (€ m) 1. Including period pr
Slide 38: Capital ratios (CAD, q-o-q)
Capital ratios (CAD, q-o-q) 63bps 20.4%2 74bps 20.0%2 (35bps) (42bps) (8bps) 3.0% Tier II 2.3% (8bps) Tier II AT1 2.1% 2.0% AT1 CET1 15.6% 15.4% CET1` 4Q251 1Q26 1Q26 3 Asset DTC Debt securities Tier II 1Q26 1 Net Profit Payout accrual Growth acceleration at FVOCI RWAs 52,245 53,503 (€ m) Capital 10
Slide 39: Sustainability
1Q 2026 Results Sustainability https://www.eurobank.gr/en/group/esg-environment-society-governance
Slide 40: 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 strategy our sustainability strategy More than €2.6bn in new green disbursements to corporate clients over 2023 – Q1 2026, mainly focusing on
Slide 41: Operational Impact Strategy Highlights – Environment
Operational Impact Strategy Highlights – Environment • 7,370 MWh total electricity consumption • 10.5% reduction in total electricity consumption compared to 1Q 2025 • 97.6% of total electricity consumed was sourced from Renewable Energy Sources (Certified Guarantees of Origin plus own production) •
Slide 42: Operational Impact Strategy Highlights – Social
Operational Impact Strategy Highlights – Social Inclusive Entrepreneurship • Eurobank continued to support entrepreneurship and innovation through its Venture Banking platform and the egg Innovation & Investment Summit, a three-day event, bringing together startups, investors, researchers, instituti
Slide 43: Operational Impact Strategy Highlights – Governance & Business
Operational Impact Strategy Highlights – Governance & Business Sustainable Procurement • Sustainability criteria were incorporated in 90% of RFPs overall, with suppliers digitally acknowledged both the Supplier Code of Conduct and Ethics and the Anti-Bribery and Anti-Corruption Policy reaching 86 su
Slide 44: Sustainability Ratings
Sustainability Ratings • Sustainalytics – Eurobank has been ranked in the “Low“ risk category and together with the important ESG Regional Top Rated 2025 and ESG Industry Top Rated 2025 distinctions, is placed among the top 6% of banks worldwide (47th out of 1,001 banks) • MSCI – Eurobank has improv
Slide 45: Awards & Distinctions
Awards & Distinctions • Best Bank in Greece - Global Finance magazine • Best Bank for Sustainable Finance in Greece 2026 - Global Finance magazine • World's Best Companies - Sustainable Growth 2026 - TIME Magazine and Statista • egg Accelerator was awarded “Europe’s Leading Start-Up Hubs 2026” - Fin
Slide 46: Macroeconomic update
1Q 2026 Results Macroeconomic update
Slide 47: Middle East conflict: implications & support packages
Middle East conflict: implications & support packages 2026 GDP Forecasts Pre-war Current estimates Greece c. 2.3% c. 1.8-1.9% Cyprus c. 3.5% c. 2.6-2.9% Bulgaria c. 3.2% c. 2.8-3.0% • Global economy: according to the IMF’s latest projections (April 2026), — assuming the war turns out to be relativel
Slide 48: Macro highlights (Greece)
Macro highlights (Greece) ▪ Real GDP growth remained solid at 2.1% in 2025, supported by investment, consumption, and exports. The IMF (Apr-26) projects growth of 1.8% in 2026 and 1.7% in 2027, continuing to outperform the Euro Area (EA) (forecast at 1.1% and 1.2%, respectively), despite some negati
Slide 49: Real GDP growth continues to overperform the Euro Area
Real GDP growth continues to overperform the Euro Area Real Gross Domestic Product Real GDP growth rate in 2025 115 112.2 4.5% Private consumption +2.0% 4.0% 3.8% Annual % change of Real GDP 110 Fixed investment +8.9% 3.5% Exports +1.7% 3.1% Imports -1.3% 105 Index 2019Q4=100 3.0% 100 106.8 2.1% 100
Slide 50: Labour Market (Greece)
% of total unemployment % of the labour Force 37% 7% 12% 32% 17% 22% 27% 30% 40% 50% 60% 70% 80% Mar-12 2005 Q4 2006 Q2 Sep-12 2006 Q4 Mar-13 2007 Q2 2007 Q4 Sep-13 2008 Q2 Mar-14 2008 Q4 2009 Q2 Sep-14 2009 Q4 Mar-15 2010 Q2 2010 Q4 Sep-15 2011 Q2 Mar-16 2011 Q4 Sep-16 2012 Q2 2012 Q4 Mar-17 2013 Q
Slide 51: High frequency indicators: Greece vs the Euro Area
High frequency indicators (soft data) : Greece vs the Euro Area Economic sentiment indicator PMI manufacturing index 125 Greece 68 Greece Euro Area 106.8 63 115 Euro Area 58 54.5 105 53 95 Index Index 96.2 48 85 50.8 43 75 38 65 33 55 28 Mar-07 Mar-07 Mar-06 Mar-18 Mar-14 Mar-08 Mar-09 Mar-20 Mar-22
Slide 52: Real estate: apartment prices & retail and office prices (Greece)
Real estate: apartment prices & retail and office prices (Greece) Apartment prices Retail and office prices 120 20% 115 Retail prices (LHS) 109.0 15% Index of apartment prices (LHS) Office prices (LHS) 97.7 110 Annual change (RHS) 15% Retail, annual change (RHS) 5.3% 105 10% Office, annual change (R
Slide 53: Real estate market dynamics (Greece)
Real estate market dynamics (Greece) Mortgage loans by Greek MFIs to domestic households Real estate market volumes Apartment Price Index over household annual flows, EUR bn sale deeds registered, thousand gross disposable income per capita 17.5 17.5 225 2007 = 100 110 15.0 15.0 200 12.5 12.5 175 10
Slide 54: Fiscal and current account balances (Greece)
Fiscal and current account balances (Greece) ▪ Greece’s fiscal position has strengthened materially, with the GG primary surplus rising, from 2.0% of GDP in 2023, to 4.8% in 2024 and 4.9% in 2025; the headline GG balance posted a 1.7% of GDP surplus in 2025 (from 1.3% of GDP in 2024) versus a 2.9% E
Slide 55: Sovereign debt profile (Greece)
Sovereign debt profile (Greece) GG Gross Public Debt and Interest Expenditure ▪ Greece’s gross public debt declined to 146.1% of GDP in 2025, from a peak (% of GDP, ESA terms) 3.6 above 209.4% in 2020 (Eurostat, Apr-26); IMF projects further fall to 136.9% in 215.0 3.5 209.4 3.4 2026 and 130.3% in 2
Slide 56: Cyprus
Cyprus ▪ FY2025 growth of 3.8% (2nd highest in the EU) from 3.4% in 2024. The IMF (Apr-26) projected growth of 3.0% both in 2026 and 2027 ▪ Inflation at 3.0% in Apr-26 from 0.9% in Feb-26, due to energy inflation (+8.7% from -8.8% in Feb.) and higher food inflation. The IMF foresees average inflatio
Slide 57: Bulgaria
Bulgaria ▪ Growth was strong in 2025 at 3.2%, slightly below 3.4% in 2024. The IMF expects GDP to increase by 2.8% this year and 2.5% in 2027 ▪ After a 5-month disinflation period, inflation spiked to 6.2% in April from 2.1% in February –strongest increase in the EU- due to energy and services price
Slide 58: Appendix I – Supplementary information
1Q 2026 Results Appendix I – Supplementary information
Slide 59: 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 Negative BBB A- BBB+ BBB- Positive BBB A- BBB+ BBB- Positive BBB A BBB high BBB high Stable Note: Moody’s: Long term senior unsecured deb
Slide 60: Summary performance
Summary performance Balance sheet – key figures Income statement – key figures €m 1Q26 4Q25 €m 1Q26 4Q25 Gross customer loans 57,086 55,977 Net interest income 663.5 646.8 Provisions (1,325) (1,309) Commission income 203.0 213.2 Loans FVTPL 23 23 Operating income 877.5 865.9 FV changes of loans in p
Slide 61: Consolidated quarterly financials – Income statement
Consolidated quarterly financials – Income statement (€ m) 1Q26 4Q25 3Q25 2Q25 1Q25 Net Interest Income 663.5 646.8 631.8 632.5 637.9 Commission income 203.0 213.2 192.8 195.2 169.2 Other Income 11.0 6.0 19.8 6.6 20.0 Operating Income 877.5 865.9 844.4 834.4 827.1 Operating Expenses (330.3) (327.7)
Slide 62: Consolidated quarterly financials – Balance sheet
Consolidated quarterly financials – Balance sheet (€ m) 1Q26 4Q25 3Q25 2Q25 1Q25 Consumer Loans 4,968 4,816 4,767 4,687 4,591 Mortgages 13,101 12,934 12,865 12,750 12,515 Household Loans 18,069 17,750 17,631 17,438 17,106 Small Business Loans 3,587 3,571 3,526 3,605 3,557 Corporate Loans 31,622 30,7
Slide 63: Consolidated financials
Consolidated financials Income Statement (€ m) 1Q26 1Q25 Δ y-o-y (%) Net Interest Income 663.5 637.9 4.0 Commission income 203.0 169.2 19.9 Other Income 11.0 20.0 (44.8) Operating Income 877.5 827.1 6.1 Operating Expenses (330.3) (304.4) 8.5 Pre-Provision Income 547.2 522.7 4.7 Loan Loss Provisions
Slide 64: SEE operations key figures – 1Q26
SEE operations key figures – 1Q26 Bulgaria Cyprus Lux Sum Assets 13,969 28,695 3,035 45,699 Gross loans 9,331 8,983 1,021 19,335 Balance Sheet Net loans 9,117 8,873 1,021 19,011 (€m) NPE loans 236 161 0 397 Deposits 11,064 23,775 2,638 37,477 CAD1 21.9% 35.4% 26.4%4 Core Income 137.7 231.5 16.9 386.
Slide 65: Appendix II – Glossary
1Q 2026 Results Appendix II – Glossary
Slide 66: 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 67: 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 equity holders of the parent company excluding restructuring costs, goodwill impairment / gain on acquisition, gains/losses related to th
Slide 68: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Fees & commissions over assets ratio: The Fees and commissions of the reported period, annualized and divided by the average balance of continued operations’ total assets (the arithmetic ave
Slide 69: 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 impairment allowance for credit related commitments (off balance sheet items), divided by NPEs at the end of
Slide 70: Investor Relations contacts
Investor Relations contacts Dimitris Nikolos +30 214 4058 834 dnikolos@eurobank.gr Yannis Chalaris +30 214 4058 832 ychalaris@eurobank.gr Christos Stylios, CFA +30 214 4058 833 cstylios@eurobank.gr Constantinos Pittalis c.pittalis@eurobank.cy Investor Relations Division +30 214 4058 834 investor_rel