Alpha Bank Closes 2025 With €943M In Net Profits And Unyielding Growth

by THEFUTURE.TEAM

February 27, 2026

Decisive Year For Strategic Transformation

Alpha Bank has reported net profits of €943.3 million for 2025, capping a period marked by strategic transformation and robust financial execution. As part of this decisive year, the bank announced a €519 million dividend distribution to shareholders, underscoring both immediate financial success and long‐term growth potential.

Executing A Bold Three-Year Plan

CEO Vassilis Psaltis said 2025 marked the completion of the bank’s three-year strategy, during which Alpha Bank met or exceeded key operational and financial targets. The period included acquisitions such as AstroBank, which expanded the bank’s regional presence and supported diversification across business segments.

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Strong Financial And Operational Metrics

In the fourth quarter, net interest income reached €413.3 million, up 3% quarter over quarter. On an annual basis, net interest income declined 2%, reflecting lower lending margins despite higher loan volumes. The bank reported a return on tangible equity of 13.1% based on adjusted profit, adjusted earnings per share of €0.36 for the quarter, and a fully loaded CET1 ratio of 15%.

Accelerated Loan Disbursements And Credit Growth

New loan disbursements in Greece reached €4.2 billion in the fourth quarter, representing a 40% increase from the previous quarter and a 4% rise year over year. Quarterly net credit expansion totaled €1.3 billion, driven mainly by business lending, while annual net credit growth reached €3.5 billion. Management said commercial lending activity remained strong despite elevated repayment levels.

Diversification And Enhanced Revenue Streams

Customer funds increased 11.5% year over year, supported by an 8% rise in deposits, or 4% excluding AstroBank’s contribution. Assets under management also expanded, with equities and mutual funds rising 28% annually. Deposits grew by €4.1 billion, including €2.2 billion linked to the AstroBank acquisition. Net fee income increased 19% and represented 23% of total revenues, reflecting growth in transaction banking and asset management services.

Stable Asset Quality And Forward Outlook

The non-performing exposure ratio stood at 3.6%, while the cost of credit risk was 58 basis points in the fourth quarter. The CET1 ratio remained stable at 15%, supported by organic profitability. Management said the bank expects continued growth opportunities in its core markets and highlighted ongoing cooperation with UniCredit in advisory and investment banking services.

A Future Anchored In Disciplined Execution

Looking ahead, Alpha Bank plans to present updated strategic targets at its Investor Day scheduled for the second quarter of 2026. The bank said it enters 2026 with strengthened capital, expanded regional operations, and a continued focus on disciplined execution and shareholder returns.

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Christodoulides Weighs 12 Laws Ahead Of Parliament Dissolution Deadline

by THEFUTURE.TEAM

April 17, 2026

President Nikos Christodoulides is expected to decide early next week on 12 legislative reforms approved by Parliament, covering asset dispossession, bankruptcy procedures, and guarantor protections. With an April 21 deadline approaching, he must choose whether to sign the laws, return them for revision, or refer specific provisions to the Supreme Court.

Decisive Deadline Ahead Of Elections

Parliament is set to dissolve on April 23 ahead of elections scheduled for May 24, placing additional urgency on the decision-making process. Timing is critical, as the President’s choices will determine how key financial and legal frameworks evolve during a sensitive political period.

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Mixed Reactions To Legislative Proposals

A mixed approach is expected. Some provisions are likely to be returned to Parliament due to practical or political concerns. Other measures, particularly those raising constitutional or EU law questions, may be referred to the Supreme Court for review.

Enhanced Debt Confirmation And Financial Oversight

Two draft laws focus on strengthening the role of the Financial Ombudsman in debt confirmation. Proposed changes include expanded restructuring options and binding decisions on complaints involving amounts up to €20,000. Borrowers would gain clearer pathways to verify and challenge outstanding debts under revised procedures.

Constitutional Concerns And Practical Implications

Concerns have been raised by the Ministry of Finance regarding overlapping provisions and potential conflicts with constitutional principles, including freedom of contract and separation of powers. Legal reviews have been completed, and the Presidential Legal Office is now assessing the proposals. The Attorney General is also expected to guide the next steps.

Judicial Workload And Retroactive Legislation

Questions remain about the judiciary’s capacity to handle an increased caseload. Some proposals would allow district judges to resolve financial disputes within 12 months, with a possible one-year extension. Another contentious provision restricts banks from charging additional interest once the total debt reaches double the original amount. This measure may apply retroactively, raising concerns about compatibility with existing contracts and EU law.

Legislative Remissions And Broader Regulatory Impact

Five laws related to asset dispossession are set to be reviewed again during an upcoming parliamentary session. The broader package also includes provisions addressing abusive contractual terms, though uncertainty remains around retroactive enforcement and legal alignment. A separate proposal on compensation for surplus electricity from photovoltaic systems is also under review due to its fiscal and constitutional implications.

President Christodoulides’ decisions will shape the balance between immediate financial reforms and longer-term legal and institutional considerations.

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