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Eurobank’s Record €1.36bn Profit Paves The Way For Strategic Expansion

by THEFUTURE.TEAM

February 27, 2026

Eurobank reported net profit of €1.36 billion for 2025, exceeding internal targets and supporting the bank’s three-year expansion strategy focused on organic growth and international diversification. The bank said performance was driven by growth in lending, deposits, and assets under management, alongside contributions from operations outside Greece.

Remarkable 2025 Performance

CEO Fokion Karavias said earnings per share reached €0.37, with roughly half generated by non-Greek operations. The bank reported a tangible return on book value (RoTBV) of 16.0%, exceeding earlier guidance. Management highlighted continued balance-sheet expansion and stable profitability across key business segments.

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Robust Financial Indicators And Shareholder Rewards

Eurobank plans to distribute 55% of annual profits to shareholders through a combination of cash dividends and share buybacks. The payout includes a cash dividend of €0.118 per share and a €288 million buyback program, bringing total shareholder distributions to approximately €717 million. Tangible book value per share rose to €2.49 at the end of 2025, up 7.8% year over year.

Diversification And Geographic Expansion

Eurobank’s impressive performance spans across regions with substantial contributions from its operations: 52.5% of group profitability stems from its south-eastern Europe operations, while key markets such as Cyprus and Bulgaria saw adjusted net profits rise by 1.4% and 8% respectively. Strategic acquisitions, including the integration of Eurolife and consolidation moves in Cyprus, have broadened the bank’s franchise and diversified its revenue streams across banking, insurance, and asset management.

Strong Capital And Prudential Management

The bank reported a total capital adequacy ratio of 20.0% and a CET1 ratio of 15.6% at year-end. The non-performing exposure ratio declined to 2.6%, reflecting ongoing improvements in asset quality. Management said capital strength provides flexibility as interest margins adjust to the broader European Central Bank rate environment.

Strategic Vision: 2026–2028 Roadmap

Looking ahead, Eurobank is gearing up for steady growth in a relatively stable interest rate landscape. The bank targets elevating its RoTBV to approximately 17% by 2028, underpinned by an estimated annual EPS growth of 10%. Key drivers include a projected annual credit expansion of around 8%, further scaling of wealth management operations, and synergies arising from its dominant market position in Cyprus, as well as the prospects linked to euro adoption in Bulgaria.

Community Investment And Social Impact

Strong financial performance has enabled Eurobank to expand its community initiatives. The bank has strengthened demographic support programs, continued backing Greece’s startup incubator EGG, and invested in public school renovation projects in Greece. Similar initiatives are also underway in Bulgaria and Cyprus. These actions reflect the bank’s broader focus on social investment alongside business growth.

Eurobank said it will continue to balance financial performance with long-term investment priorities as it moves forward with its strategic expansion plans.

The Future Forbes Realty Global Properties

by News Editor

August 24, 2026

Courts Are Still Applying Old Copyright Rules To AI

AI companies train models on enormous amounts of published material, including books, articles and academic research. Whether using that content without authors’ permission violates copyright law remains unresolved.

Much of the debate centres on fair use, which allows copyrighted material to be used without permission in certain circumstances. Courts consider factors such as the purpose of the use, how much material was involved and its impact on the original market.

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Anthropic Case Sets An Important Precedent

A major case involving Anthropic and a group of authors provided one of the clearest rulings so far. Judge William Alsup found that using copyrighted books to train AI models was lawful, comparing the process to people reading and studying literature before creating something new.

Anthropic was nevertheless ordered to pay $1.5 billion in a settlement. The penalty concerned books the company had obtained from illegal online libraries rather than the AI training itself.

For AI companies, that distinction could prove significant because it separates studying copyrighted material from directly copying it.

Competition Could Be The Key Issue

A case involving Thomson Reuters and Ross Intelligence offers a different perspective. A court ruled that Ross could not claim fair use after using Reuters’ copyrighted material to develop a competing AI-powered legal research platform.

The decision suggests courts may be less willing to consider AI training fair use when copyrighted content is used to build a product that directly competes with the original.

For authors, an unresolved question is whether AI-generated content should be considered competition for the works used to train these models.

The Law Has Yet To Catch Up

US copyright law predates generative AI by decades, leaving courts to apply old principles to new technology. Questions also remain over copyright protection for AI-generated works. In Thaler v. Perlmutter, a court ruled that material created entirely by AI cannot receive copyright protection.

Major AI companies remain involved in copyright litigation, and different courts could reach different conclusions. For now, there is no universal rule: the legality of AI training will depend on the circumstances of each case and how courts ultimately interpret copyright and fair use.