The Bank of Cyprus announced after-tax profits of €481 million, of which €128 million were from the fourth quarter of the year, for 2025.
According to the Group's financial results for the year ended 31 December 2025, a significant increase in loans and deposits was recorded. More specifically, a record new lending of €3.0 billion was recorded, an increase of 23% year-on-year.
The performing loan portfolio reached €10.9 billion, up 8% year-on-year.
The deposit base, mostly retail, of €22.2 billion has increased by 8% on an annual basis.
Basic earnings per share stood at €1.10, while the cost-to-income ratio remains low at 37%.
Regarding liquidity and balance sheet resilience, the NPL ratio to loans decreased to 1.2%, with a low loan loss provision of 33 bps and the Liquidity Coverage Ratio at 321% and excess liquidity at €9.2 billion.
The Bank of Cyprus maintains its strong capital position and distribution to shareholders, as evidenced by a Common Equity Tier 1 (CET1) Capital Ratio of 21.0% and a Total Capital Adequacy Ratio of 25.9%.
The payout ratio for 2025 was 70%, while the dividend amount was €305 million payable in cash.
(Source: InBusinessNews)
