Positive for interest income of interest bank In the rest of the year, the US -EU Agreement is expected to operate duties. International estimates of international houses see that for the eurozone there will be an anti -inflationary impact, resulting in the ECB brake on interest rates before it re -entered the increases in 2026.
Yesterday (29.7.2025), characteristically, two international firms, Goldman Sachs and Deutsche Bank estimated that 2%, which is already the euro interest rate, is the “floor” of the ECB’s interest rates, with scenarios for further reductions at 1.75% or even 1.50% off the table. New US -EU deal estimates have a positive impact on interest revenue awaiting banks this year, and a first taste of up -to -date banks on the basis of new data is expected to be presented today by Piraeus Bank results.
It is noted that bank administrations during the first quarter results presentations had given conservative targets for interest rates this year, calculating to up to two more interest rates from the ECB within the year. In particular, the interest revenue targets were € 2.5 billion for Eurobank, over € 2.1 billion for the National, around € 1.9 billion for Piraeus and more than € 1.65 billion for Alpha Bank. Now, these goals are not excluded that they will be revised upward.
It is noted that the ECB’s interest rate reductions will be reflected in the results of the second quarter, but to a small extent. According to analyst estimates, the decline in interest rates is not expected to exceed 2% – 3% in the quarter. The exception, with an increase in interest rates, is expected to be Alpha Bank, who had declared much less sensitive than other banks on the impact of the ECB’s interest rates.
In the first quarter 2025, the four large banks had made profits of 1,242 billion euroswith interest from interest in 2,038 billion. euro and supplies revenue of EUR 538.5 million.
OR Piraeus Bankwhich today announces the second quarter results, had made net profits of € 284 million, with interest from interest from 481 million euros, reduced by 6% compared to the fourth quarter of 2024 and net procurement revenue of € 160 million, reduced by 5% on a quarterly basis, but increased by 10%, but increased by 10%, but increased by 10% on a quarterly basis. Banking products, customer capital management and rent revenue.
OR Eurobank (Announces tomorrow’s second quarter results) presented in the first quarter customized net profit of € 348 million, with overseas activities recording an increase in their profitability by 27.2% on an annual basis, to € 184 million and contributing 52.7% to the total profitability of the group. The net interest revenue amounted to EUR 638 million and net revenue from fees and supplies to 169 million, mainly due to network revenue and property management.
OR National Bank (It also announces tomorrow’s results) It had presented net profit for the first quarter after taxes of 371 million euros, with net interest from 524 million euros and revenue from € 102 million supplies.
OR Alpha Bank (Announces second quarter results on Friday, August 1st) he had presented for the first quarter customized profits after taxes of 239.3 million euros, increased by 22% on a quarterly basis and 8% annually, reaching 26% of its annual target. Net interest income had fallen by 2.6%to EUR 395.3 million and revenue from fees and supplies had been EUR 107.5 million.