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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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Apple’s Mac Segment Defies Market Expectations With AI-Driven Growth

Apple’s latest quarterly results featured stellar performance from its iPhone sales and burgeoning Services revenue, yet it was the Mac that truly exceeded market expectations. Driving a notable increase fueled by the rising demand for AI workloads, the Mac segment surprised investors with robust growth.

Strong Revenue Beat And Unexpected Growth

Wall Street had forecast Mac revenue in the low $8 billion range; however, Apple reported $8.4 billion in revenue for the quarter ended March 28. This performance not only surpassed estimates but also marked a 6% year-over-year increase, in contrast to the anticipated flat sales. Overall, Apple’s revenue climbed an impressive 17% year-over-year, signaling a healthy diversification of its earnings across core and non-core segments.

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Innovative Launches And A New Wave Of Users

Part of the Mac’s surge can be attributed to recent product launches, notably the well-received MacBook Neo. Launched amid heightened consumer excitement and rapid preorder uptake, the Neo quickly resonated with both existing and new users, setting a quarterly record for attracting first-time Mac customers. CEO Tim Cook noted that customer interest was “off the charts,” a testament to the Neo’s market appeal.

Local AI Innovations And Enterprise Adoption

Surprisingly, Apple identified a surge in demand for Macs driven by local AI workloads. Platforms like OpenClaw have led to rapid adoption, further evidenced by recent sellouts of the Mac mini and Mac Studio devices. In China, where demand for advanced AI computing is particularly fervent, the Mac mini emerged as the top-selling desktop, reinforcing the role of Macs in powering enterprise-grade AI solutions. Notable enterprises, including tech innovator Perplexity, have adopted the Mac as their platform of choice for developing enterprise AI assistants.

Supply Constraints And Future Outlook

Despite the record-breaking demand, Mac revenue remained flat on a quarter-over-quarter basis, indicating that the rising demand is still in its early phases. Cook acknowledged that balancing supply and demand for the Mac mini and Studio models could require several months. He also highlighted supply constraints impacting the MacBook Neo, prompting institutions such as Kansas City Public Schools to transition from Chromebooks to the Neo as their preferred computing solution.

Conclusion

Apple’s latest earnings underscore how strategic product innovations and the increasing relevance of AI are reshaping demand across its product lines. As the tech giant continues to refine its supply chains and capitalize on emerging market trends, its ability to navigate these shifts will be critical to sustaining long-term growth and maintaining its competitive edge.