Half Year 2025 Alpha Bank SA Earnings Call Transcript

Aug 1, 2025 / 09:00 AM GMT

Release Date Price: €3.26 (-2.89%)

Transcript

Key Points

Positve

Alpha Bank SA (ATH:ALPHA) reported a profit of $517 million for the first half of 2025, achieving 52% of its annual target.
The bank's net interest income increased by 1% compared to the first quarter, demonstrating effective balance sheet management.
A strategic partnership with Hellenic Post expands Alpha Bank's physical footprint to over 1,800 locations, enhancing revenue opportunities.
The partnership with UniCredit has strengthened Alpha Bank's regional presence and unlocked synergies, benefiting over 5,000 wholesale clients in Greece.
Alpha Bank's cost of risk guidance has been reduced to 45 basis points, indicating improved financial stability and risk management.

Negative

The bank faces pressure from EUR/USD parity and declining interest rates, which could impact net interest income.
There is a potential need to reverse part of the deferred tax assets by year-end, adding volatility to financial results.
Increased competition in the lending market may pressure Alpha Bank to be more selective in its lending deals.
The bank's capital guidance has been revised down from 16.3% to 15% due to acquisitions and other factors.
Alpha Bank's cost of risk and provisions may be affected by macroeconomic volatility, requiring ongoing assessment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ACBr.AT - Alpha Bank SA
Half Year 2025 Alpha Bank SA Earnings Call
Aug 01, 2025 / 09:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, thank you for standing by. I am Mina, your call call operator. Welcome and thank you for joining the Alpha Bank conference call and live webcast to present and discuss the first half, 2025 financial results. At this time, I would like to turn the conference over to Alpha Bank management. Gentlemen, you may now proceed.

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Unidentified_2 [2]
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Hello, everyone. I'm Yason Keoglu, Alpha Bank head of IR. Welcome to the presentation of our Q2 results. Vasilio Saltis, our CEO, will lead the call summarizing the 2nd quarter and providing you with a

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