The powerful profits of listed on the Greek Stock Exchange bankIt is expected to confirm today (5.8.2025) and the Bank of Cyprus, announcing the results of the first semester.
The four major Greek banks recorded net profits of nearly 2.5 billion euros and interest from interest and supplies of more than 4 and 1.1 billion euros respectively. The performance of the first semester, with a driving lever to boost credit expansion, led to banks’ administrations to individual upgrades for the year, as well as the announcement of pre -trial distributions in the second quarter of the year.
In the aftermath of the positive results announced by the four major banks, and Optima Bank last week, yesterday (4.8.2025) the banking industry starred in the rise of the ASE, with the bank index closing at 2,212 points, up 4.4%.
The “lights” fell to Alpha Bank, which rose 6.60%, closing at 3.5 euros (and with 70m euros in transactions of 18.7m euros through packages), following the announcement of the signing of the 100% of the ACHIA Ventures. Followed by 4.79%, at 6.83 euros, Piraeus, Nationals rose 4.11%to 12.55 euros and Eurobank, which closed 2.96%to 3.27 euros.
It is noted that the four systemic received last Friday (1.8.2025) and the results of the ECB’s stress tests, comfortably passing the proficiency bar even in the very unfavorable test scenario of the three -year test until 2027.
Indeed, the National took the “silver medal”, as its main basic equity index with a complete influence of international accounting standard 9 (FL CET1) is at the end of 2027 by just 0.50 percentage points lower than the starting point of the exercise of the exercise, which is the second one. (SSM) and the 5th among the 64 banks of the total sample of EBA stress tests.
In the domestic banking space, this result ranks the bank in the top position, with Greek banks (excluding the EIB) recording average three -year impairment of 1.81 percentage points in CET1 index.
It is noted that the unfavorable scenario for Greek banks provided for a cumulative recession of the real GDP of Greece of -6.1% for the three years 2025 -2027, a change in inflation of 11.6% and a significant decline in real estate prices, with a decrease of -22% in prices of housing.
The results of the stress test showed that Alpha Bank’s main CET1 capital index, from 16.3% in late 2024, are estimated to move to 18.6% at the end of 2027 in the base scenario, while in the unfavorable it is expected to fall to 13.9% in 2025, 14% in 2026 and 14.1% in 2027.
The National Bank’s CET1 index, from 18.3% at the end of 2024, is expected at 21.9% in 2027 in the base scenario, while in the unfavorable fell to 16.6% in 2025, 16.9% in 2026 and 17.5% in 2027. Piraeus Bank CET1 is expected to increase from 14.5% in 2024 to 20.8% to 15.8% to 15.8% to 15.8% to 15.8%. While in unfavorable, it can fall to 12.5% in 2025 and 11.8% in 2026 and 2027.
According to the announcements of the first semester results completed last Friday:
OR Piraeus Bank It has earned a profit of EUR 559 million in the first half (563 million in the first half of 2024), with net interest revenue stood at 474 million in the second quarter of 2025 (955 million in the semester), reduced by only 1.5% compared to the previous quarter. Net procurement revenue stood at 166 million in the second quarter, increased by 4% on a quarterly basis (EUR 326 million in the semester).
OR National Bank It showed profits with taxes, increased by 3% annually, to € 687 million. Net interest revenue amounted to EUR 1,031 million (EUR 507 million in the second quarter), reduced by -9% per year. Net supplies revenue increased by 8%to EUR 221 million (EUR 112 million in the second quarter).
OR Eurobank It showed a total net profit of € 690.5 million, down 4.3% compared to the first semester of 2024 (including a voluntary exit cost of 27 million in the Hellenic Bank and the negative goodwill of 38 million from the acquisition of CNP Cyprus Insurance). The net interest income had an annual increase of 12.2%, to EUR 1,270.4 million and the income from supplies increase of 28.9%to EUR 364.5 million.
OR Alpha Bank It showed net profit of € 517 million in the six months, compared to 322.5 million in the first half of 2024 (second quarter profits increased on a quarterly basis to 293.7 million). Alpha Bank was the only systemic Greek and among the first commercial banks pan -European, with a positive change in interest rates in the second quarter (399.3 million, +1% on a quarterly basis, € 794.6 million in the six months). Net revenue from remuneration and supplies amounted to 121.6 million in the second quarter (229.1 million per semester), 13% in quarterly and 21% on an annual basis.