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Eurobank Group

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Eurobank Group

Eurobank Ergasias SA is a Greece-based banking and financial services group. With nearly 17,000 employees, more than 500 branches and 820 ATMs all over Greece, the Bank is one of the largest financial groups in Greece. In addition, Eurobank Group holds a strategic position in retail and business banking in Bulgaria, Romania and Serbia, offers discerning Wealth Management services in Cyprus, Luxembourg and is also present in London and Ukraine.

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Eurobank Ergasias SA is a Greece-based banking and financial services group. With nearly 17,000 employees, more than 500 branches and 820 ATMs all over Greece, the Bank is one of the largest financial groups in Greece. In addition, Eurobank Group holds a strategic position in retail and business banking in Bulgaria, Romania and Serbia, offers discerning Wealth Management services in Cyprus, Luxembourg and is also present in London and Ukraine. The Group It is organized into five segments: Retail, Corporate, Wealth Management, Global and Capital Markets, as well as International. At the end of 2013, the Bank merged the New TT Hellenic Postbank SA. The Company was founded in 1916 and is headquartered in Athens, Greece.

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AnnualQuarterly
summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

            2,341 2,254 1,965 1,461 1,270    
            3,041 2,924 2,226 1,755 1,558    
            1,570 1,498 1,103 703 521    
            305 68.0 -5,508 -1,453 -1,154    

balance sheet

            4,784 5,159 6,988 4,693 2,567    
            55,837 56,268 48,094 43,171 45,610    
            18,607 20,184 16,685 16,012 25,925    
            84,269 87,188 76,822 67,653 77,586    
            6,314 6,094 875 -655 4,523    
            19,446 26,924 35,931 31,819 27,099    
            46,808 44,435 32,459 30,752 41,535    
            7,667 5,389 2,671 1,365 789    

ratios

            5.58% 1.10% -158% -1,321% -59.7%    
            0.366% 0.079% -6.72% -2.01% -1.59%    
            1.77% 1.66% 1.37% 1.46% 1.43%    
            48.4% 48.8% 50.4% 59.9% 66.6%    
... ... ... ...     11.7% 13.1% 12.0% 11.6% 11.1%    
            2.81% 2.63% 2.40% 2.02% 1.75%    
            77.0% 77.1% 88.3% 83.2% 81.5%    
            13.7% 13.8% 12.3% 11.4% 12.8%    
            53.9% 54.1% 55.7% 55.3% 55.3%    
            7.49% 6.99% 1.14% -0.968% 5.83%    
            119% 127% 148% 140% 110%    
            66.3% 64.5% 62.6% 63.8% 58.8%    
... ... ... ...     6.75% 9.71% 15.3% 23.0% 30.7%    
... ... ... ...     44.8% 40.9% 43.3% 42.5% 48.0%    

valuation

... ... ... ... ... ... ... ... ... 276 2,617    
... ...         0.520 0.538 0.546 0.552 2.87    
... ... ... ... ... ... ... ... ... 379 661    
... ...         586 126 -10,086 -2,633 -402    
... ...         12,138 11,327 1,602 -1,187 1,575    
... ...         0.000 0.000 0.000 0.000 0.000    
... ... ... ... ... ... ... ... ... ... 0.420    
... ... ... ... ... ... ... ... ... 0.000% 0.000%    
... ... ...       -53.8% -78.4% -8,080% -73.9% -84.7%    
... ... ...       34.8% -6.68% -85.9% -174% -233%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
Dividends EUR mil
            5,987 5,317 5,063 4,075 2,797    
            3,646 3,063 3,098 2,614 1,527    
            2,341 2,254 1,965 1,461 1,270    
            418 404 274 200 199    
            282 266 -13.0 94.0 89.0    
            3,041 2,924 2,226 1,755 1,558    
            793 772 626 582 573    
            111 96.0 305 294 65.0    
            567 558 192 176 399    
            1,471 1,426 1,123 1,052 1,037    
            1,570 1,498 1,103 703 521    
            1,742 2,329 3,397 4,670 7,888    
            -5.00 0.000 502 331 266    
            398 136 -6,975 -1,688 -1,901    
            82.0 52.0 -1,319 -334 -783    
            11.0 16.0 12.0 13.0 -3.00    
            305 68.0 -5,508 -1,453 -1,154    
...           0.000 0.000 0.000 0.000 0.000    

growth rates

...           -1.84% -3.72% -12.8% -25.6% -13.1%    
...           -23.0% -3.35% -32.2% -27.0% -0.500%    
...           -7.20% -3.85% -23.9% -21.2% -11.2%    
...           -6.07% -3.06% -21.2% -6.32% -1.43%    
...           -8.24% -4.59% -26.4% -36.3% -25.9%    
...           -51.3% -65.8% -5,229% -75.8% 12.6%    
...           -53.2% -77.7% -8,200% -73.6% -20.6%    

market share

            51.5% ... ... ... -23.5% ... ...

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

balance sheet

            3,079 3,606 3,286 2,065 1,986    
            4,784 5,159 6,988 4,693 2,567    
            55,837 56,268 48,094 43,171 45,610    
... ...         15,412 17,119 14,029 14,221 18,980    
... ...         19,387 17,921 14,977 13,878 14,770    
... ...         22,780 23,557 22,485 19,742 19,748    
            18,607 20,184 16,685 16,012 25,925    
            1,962 1,971 1,769 1,712 1,498    
            84,269 87,188 76,822 67,653 77,586    
            6,314 6,094 875 -655 4,523    
            275 322 278 277 281    
            77,955 81,094 75,947 68,308 73,063    
            19,446 26,924 35,931 31,819 27,099    
            46,808 44,435 32,459 30,752 41,535    
            7,667 5,389 2,671 1,365 789    
            4,034 4,346 4,886 4,372 3,640    

asset quality

Non-Performing Loans EUR mil
Gross Loans EUR mil
Provisions EUR mil
... ... ... ...     3,887 5,691 7,853 10,987 16,444    
... ... ... ...     57,579 58,597 51,491 47,841 53,498    
            1,742 2,329 3,397 4,670 7,888    

growth rates

...           -0.073% 0.772% -14.5% -10.2% 5.65%    
... ... ...       -2.55% 0.693% -17.2% -3.13% 20.1%    
... ... ...       3.55% 11.1% -18.1% 1.37% 33.5%    
... ... ...       -6.91% -7.56% -16.4% -7.34% 6.43%    
... ... ...       5.58% 3.41% -4.55% -12.2% 0.030%    
...           2.51% 3.46% -11.9% -11.9% 14.7%    
...           36.6% -3.48% -85.6% -175% -791%    
...           2.52% -5.07% -27.0% -5.26% 35.1%    

market share

... ... ... ... ...   13.3% 14.3% 15.2% 16.2% 23.9%   ...

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

ratios

            5.58% 1.10% -158% -1,321% -59.7%    
            0.366% 0.079% -6.72% -2.01% -1.59%    
            1.77% 1.66% 1.37% 1.46% 1.43%    
            48.4% 48.8% 50.4% 59.9% 66.6%    
... ... ... ...     11.7% 13.1% 12.0% 11.6% 11.1%    
... ... ... ...     10.6% 11.8% 11.5% 11.6% 10.6%    
            2.81% 2.63% 2.40% 2.02% 1.75%    
...           2.50% 2.35% 2.23% 2.02% 1.69%    
            7.19% 6.20% 6.17% 5.64% 3.85%    
...           4.69% 3.85% 3.95% 3.62% 2.16%    
...           0.000% 0.000% 0.000% 0.000% 0.000%    
            77.0% 77.1% 88.3% 83.2% 81.5%    
            13.7% 13.8% 12.3% 11.4% 12.8%    
            9.27% 9.10% -0.584% 5.36% 5.71%    
... ...         3,863 3,701 3,891 3,526 3,161    
... ...         2,778 2,798 2,798 2,746 2,381    
            53.9% 54.1% 55.7% 55.3% 55.3%    
            7.49% 6.99% 1.14% -0.968% 5.83%    
            119% 127% 148% 140% 110%    
            66.3% 64.5% 62.6% 63.8% 58.8%    
... ... ... ...     6.75% 9.71% 15.3% 23.0% 30.7%    
... ... ... ...     44.8% 40.9% 43.3% 42.5% 48.0%    
... ...         3.12% 4.14% 7.06% 10.8% 17.3%    
            2.11% 2.43% 14.5% 4.51% 4.86%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

other data

... ... ... ... ... ... ... ... ... ... ...    
... ...         23,791 22,996 18,643 17,662 20,053    
... ... ... ... ...   801 784 748 ... ... ... ...
... ... ... ... ...   26.3% 26.8% 33.6% ... ... ... ...
... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ...   82.0 384 314 584 667   ...
... ... ... ... ...   786 865 612 511 234   ...
... ... ... ... ...   213 284 728 971 980   ...
... ... ... ... ...   431 352 614 802 447   ...
... ... ... ... ...   1,512 1,885 2,268 2,868 2,328   ...
... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ...    

Download Data
Eurobank Group in Numbers

This Statistical Dossier offers a summary of Eurobank Group's performance between 2003 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Statistical Dossier offers a summary of Eurobank Group's performance between 2003 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the Bank's businesses such as its loan portfolio. 

If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.

If you want to see more reports about the Bank, please, go to the Bank's Reports Page.

Eurobank Ergasias SA is a Greece-based banking and financial services group. With nearly 17,000 employees, more than 500 branches and 820 ATMs all over Greece, the Bank is one of the largest financial groups in Greece. In addition, Eurobank Group holds a strategic position in retail and business banking in Bulgaria, Romania and Serbia, offers discerning Wealth Management services in Cyprus, Luxembourg and is also present in London and Ukraine. The Group It is organized into five segments: Retail,  Corporate, Wealth Management, Global and Capital Markets, as well as International. At the end of 2013, the Bank merged the New TT Hellenic Postbank SA. The Company was founded in 1916 and is headquartered in Athens, Greece.

Eurobank Group's mortgage loans reached EUR 18,355 mil in 2014, down 3.29% compared to the previous year.

Greek banking sector provided mortgage loans of EUR 69.2 bil in 2014, down 2.31% when compared to the last year.

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Eurobank Group's mortgage loans reached EUR 18,355 mil in 2014, down 3.29% compared to the previous year.

Greek banking sector provided mortgage loans of EUR 69.2 bil in 2014, down 2.31% when compared to the last year.

Eurobank Group accounted for 23.9% of all mortgage loans issued in Greece at the end of 2014. Historically, the bank’s market share in mortgage loans reached an all time high of 23.9% in 2013 and an all time low of 13.3% in 2009.

You can see all the company’s data at Eurobank Group Profile, or you can download a report on the firm in the report section.

Eurobank Group's capital adequacy ratio reached 17.4% at the end of 2015, up from 15.6% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.4% in 2015 and an all time low of 10.4% in 2008.

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Eurobank Group's capital adequacy ratio reached 17.4% at the end of 2015, up from 15.6% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.4% in 2015 and an all time low of 10.4% in 2008.

The Tier 1 ratio amounted to 17.0% at the end of 2015, up from 16.2% compared to a year earlier.

Bank's loan to deposit ratio reached 127% at the end of 2015, up from 103% when compared to the previous year.

Comparing Eurobank Group with its closest peers, National Bank of Greece ended the year 2015 with a capital adequacy ratio at 14.6% and loans to deposits of 106%, Piraeus Bank Group with 17.5% and 130% respectively and Alpha Bank Group some 16.8% in terms of capital adequacy and 147% of loans to deposits at the end of 2015.

You can see all the bank’s data at Eurobank Group Profile, or you can download a report on the bank in the report section.

Eurobank Group's capital adequacy ratio reached 17.4% at the end of fourth quarter of 2015, up from 12.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.2% in 2Q2014 and an all

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Eurobank Group's capital adequacy ratio reached 17.4% at the end of fourth quarter of 2015, up from 12.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.2% in 2Q2014 and an all time low of 8.90% in 3Q2013.

The Tier 1 ratio amounted to 17.0% at the end of fourth quarter of 2015, up from 15.2% compared to the same period of last year and up from 12.1% when compared to the the previous quarter.

Bank's loan to deposit ratio reached 127% at the end of 4Q2015, up from 103% when compared to the same period of last year.

When compared to bank's main peers, National Bank of Greece ended the fourth quarter of 2015 with a capital adequacy ratio at 14.6% and loans to deposits of 91.1% and Alpha Bank Group with 16.8% and 147% respectively.

You can see all the bank’s data at Eurobank Group Profile, or you can download a report on the bank in the report section.

Eurobank Group's loans reached EUR 51,683 mil in the fourth quarter of 2015, down from EUR 51,694 mil when compared to the previous quarter and down from EUR 51,881 mil when compared to the same period of last year. Historically,

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Eurobank Group's loans reached EUR 51,683 mil in the fourth quarter of 2015, down from EUR 51,694 mil when compared to the previous quarter and down from EUR 51,881 mil when compared to the same period of last year. Historically, the bank’s loans reached an all time high of EUR 58,608 mil in 2Q2010 and an all time low of EUR 46,315 mil in 2Q2013.

At the end of fourth quarter of 2015, Eurobank Group's loans accounted for 127% of total deposits and 54.2% of total assets.

Mortgage loans represented 35.3% of the bank's loan book at the end of the year 4Q2015, consumer further 12.7% and corporate loans 52.0% of total loans.

You can see all the bank’s data at Eurobank Group profile, or you can download a report on the bank in the report section.

See all charts of the company »
Eurobank's costs (as % of assets) rose 42.4% to 2.31% in 4Q2015
Eurobank's capital adequacy ratio rose 38.1% to 17.4% in 4Q2015
Eurobank's net profit fell 143% to EUR -175 mil in 4Q2015
Eurobank's net profit fell 143% to EUR -175 mil in 4Q2015
Eurobank's net interest income fell 8.03% to EUR 341 mil in 4Q2015
Eurobank's corporate loans rose 0.363% to EUR 26,852 mil in 4Q2015
Eurobank's npls (as % of loans) rose 12.4% to 43.4% in 2015
Eurobank's capital adequacy ratio rose 11.5% to 17.4% in 2015
Eurobank's net interest margin rose 2.22% to 1.96% in 2015
Eurobank's net profit fell 3.07% to EUR -1,076 mil in 2015