The highs of the last 15 years have been approached by the deposits to banksreaching 2025 at the end of the first six months of 2025 euros. These are high that banks have been seeing since January 2011, having passed since the Capital Controls of June 2015, from the worst liquidity crisis they have ever experienced, with outflows of 120 billion euros.
Today, the liquidity crisis is a poor memory for banks, as their resolution and exit the country from the memorandums to the recovery of the investment grade restored confidence, favored the financial climate and reinstated deposits to the banks.
Thus, since deposits were threatened to padlock on Greek banks (as bankers typically note, banks are closing out of a lack of liquidity rather than lack of funds), today Greek banks support their funding on deposits by about 90%. And not only that. At liquidity level, Greek banks are now in the top five of the countries with the highest liquidity coverage index (LCR), with the average index of 205% for the four major Greek banks for 156.25% for European banks.
Based on the results announced in a row for the first half of 2025:
At Piraeus Bank, customer deposits amounted to EUR 62.9 billion at the end of June 2025, increased by 2% on a quarterly basis and by 5% annually. Overall, the diversified and stable deposit structure of the Group is a key advantage, with the deposits of the broad retail base and small businesses accounting for 51% of all deposits. The group’s liquidity coverage (LCR) stood at 206% at the end of June 2025, while its powerful liquidity profile is also reflected in the loan index after forecasts for deposits, which stood at 67%.
In the National Bank Group, deposits increased by € 1.2 billion annually, to $ 59.2 billion in June 2025, accounting for about 94% of the group’s total net funding. In Greece, deposits reached $ 56.6 billion, with 80% being sight and savings accounts. The increase reflects the continuous savings deposit inputs, as well as the absence of the Bank’s second -quarter 2025 optimization of the Bank’s corporate customers by repayment of capital capital repayments, absorbing the outflows of funding to mutual funds. The powerful liquidity profile of the National is reflected in the liquidity coverage indicators (LCR) and deposits for deposits, which stood at 248% and 63% in June 2025, respectively.
At Eurobank, customer deposits increased EUR 1.0 billion in the second quarter of 2025 (0.9 billion in Greece and 0.1 billion abroad). The total deposits were € 78.2 billion, of which $ 43.0 billion in Greece, 23.3 billion in Cyprus and 9.4 billion in Bulgaria. The deposits for deposits stood at 66.9% and the liquidity coverage index at 190.5% at the end of June 2025.
In the Alpha Bank group, deposits increased by 1.9% or 0.9 billion on a quarterly basis to € 51.3 billion, as a result of increasing business deposits (+0.8 billion) as well as deposits from the Group’s international activities (+0.2 billion).
On an annual basis, the Group’s deposits rose by € 3.1 billion or 6.5%. The liquidity coverage index amounted to 193% in the second quarter. The group’s strong liquidity is reflected in the loan index to deposits, which amounted to 80%.