A 45% increase was noted in CrediaBank’s repeated pre-foreseeing earnings in the first half and reached new record levels in €53.6 million, as announced by the Bank today. At the same time, net earnings after taxes nearly quadrupled (+368%) and rose to €23 million
In detail, CrediaBank announced the key points of the results of the first half of 2026 as follows:
•The net credit extension remained strong and formed in €841 million in the first half of 2026, increased by 55% annually. New disbursements were formed into a new historical high in €2 billion, + 26% annually.
•The Recurrence gains before provisions were also moved to new record levels in €53.6 million, +45% on an annual basis.
•The net earnings after tax Almost fourfold (+368%) annually and reached €23 million
•The net interest income has reached €98.2 million, +26% annually.
•The net commission revenue formed in €22.7 million, increasing by 34% annually.
•THE Cost Income Ratio It continued to improve both annually and quarterly from 66.6% in the first semester last year, to 58.9% this year in the first semester, and to even lower levels of 57.3% in the second quarter, despite increased head-on costs relating to its consolidation and management, under supervisory approval, acquisition of Malta and despite inflation.
•The Group deposits They almost reached €7.6 billion, with an increase of 16% on an annual basis – an increase of almost twice the remaining banking sector (9%).
•THE ACE index (Non-Serviced Opens) was formed at the historically low level of 2.4%, despite a significant increase in funding in the First Semester.
•O CET1 index in the first half of 2026 it was formed at 15.5% at levels close to systemic European banks, while at a pro-forma level after the integration of Europe Holdings it is formed at 16.7%.
On the occasion of the announcement of the financial results of the first Semester 2026, the Managing Director of CrediaBank, Eleni Brittou, stated: "The economic results of the First Semester 2026 confirm CrediaBank's stable development course, which strengthens its market position and transforms its strategic choices into tangible, measurable results and value, even in times of geopolitical instability. We proceed with consistency, responsibility and confidence in our business planning: Strengthen market share in Greece and improve our profitability, prepare our entry into the Maltese market, invest in technology and infrastructure in order to build the Bank's future and strategic synergies and acquisitions that complement our product footprint and consolidate our overall relationship with the customer. We remain committed to financing the healthy economy, the continuous upgrading of our services and the creation of sustainable long-term value for our customers and shareholders, and all our people who support this effort daily."
At the same time, with the new performance records, CrediaBank moved on to significant business moves in the First Semester of 2026:
•The procedure of HSBC Malta integration is underway. Upon completion of the acquisition, after obtaining the necessary approvals expected within the fourth quarter, CrediaBank's balance sheet will almost double, with the total assets exceeding €17 billion, and profitability is expected to be significantly strengthened.
•Increase in Equity Capital €ECU 300 million, with overcovering nearly four times, that boosted capital adequacy.
•Movements that consolidate CrediaBank's new position in the banking ecosystem, with procedures for acquisition of 70% of Pantelakis Stock and absorption of Europe Holdings be in full progress. The agreements, which are subject to supervisory approvals, will extend the range of products and services and further strengthen revenue from procurement.
•In International level, η Τράπεζα κερδίζει ολοένα και περισσότερο την εμπιστοσύνη διεθνών εταίρων. Η στρατηγική συνεργασία με την BNP Paribas Asset Management θα αναβαθμίσει τις υπηρεσίες στο Wealth Management, ενώ η συμφωνία με την Ευρωπαϊκή Τράπεζα Επενδύσεων για τη χρηματοδότηση επενδύσεων σε μικρές και μεσαίες επιχειρήσεις στους τομείς της ασφάλειας και της άμυνας, αναμένεται να διοχετεύσει έως 200 εκατ. ευρώ σε χρηματοδότηση της πραγματικής οικονομίας.
•Η εμπιστοσύνη διεθνών θεσμικών επενδυτών υψηλού κύρους αναδείχθηκε περαιτέρω κατά την επιτυχή ολοκλήρωση της πρόσφατης διάθεσης μετοχών ενός εκ των δύο βασικών μετόχων της Τράπεζας, που διεύρυνε τη μετοχική σύνθεση κατά τα πρότυπα των ευρωπαϊκών συστημικών τραπεζών, ενισχύοντας την αναγνωρισιμότητα και την εμπορευσιμότητα της μετοχής, άρα και την παρουσία της CrediaBank στις διεθνείς κεφαλαιαγορές.
Η αναλυτική έκθεση και η παρουσίαση των Οικονομικών Αποτελεσμάτων του Α’ Εξαμήνου είναι διαθέσιμα στο crediabank.com.
