{"id":122590,"date":"2026-02-19T19:44:17","date_gmt":"2026-02-19T17:44:17","guid":{"rendered":"https:\/\/www.lamaisonestates.com\/?p=122590"},"modified":"2026-02-19T19:44:17","modified_gmt":"2026-02-19T17:44:17","slug":"bank-of-cyprus-hits-e481m-profit-as-shareholder-payouts-reach-top-tier","status":"publish","type":"post","link":"https:\/\/www.lamaisonestates.com\/he\/bank-of-cyprus-hits-e481m-profit-as-shareholder-payouts-reach-top-tier\/","title":{"rendered":"Bank of Cyprus Hits \u20ac481m Profit as Shareholder Payouts Reach Top Tier"},"content":{"rendered":"<p data-path-to-node=\"1\">Bank of Cyprus (BoC) has capped a &#8220;landmark year&#8221; with a net profit of \u20ac481 million for 2025, fueled by a historic surge in new lending and a robust domestic economy. At a press conference held on Wednesday, February 18, 2026, CEO Panicos Nicolaou unveiled the preliminary results, highlighting a final quarter that contributed \u20ac128 million to the bottom line.<\/p>\n<p data-path-to-node=\"2\">The bank\u2019s performance has paved the way for a massive windfall for investors, with the board proposing a total distribution of \u20ac305 million\u2014hitting the maximum 70% payout ratio allowed under its current policy.<\/p>\n<h3 data-path-to-node=\"4\"><b data-path-to-node=\"4\" data-index-in-node=\"0\">Lending Records and Market Dominance<\/b><\/h3>\n<p data-path-to-node=\"5\">Despite a cooling interest rate environment globally, BoC saw its new lending jump by 23% year-on-year, reaching a record-breaking \u20ac3 billion. This aggressive expansion helped the bank&#8217;s total performing loan book grow by 8%, finishing the year at \u20ac10.9 billion.<\/p>\n<p data-path-to-node=\"5\"><b data-path-to-node=\"6\" data-index-in-node=\"0\">2025 Financial Snapshot:<\/b><\/p>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">Total Income:<\/b> \u20ac1.04 billion (Slightly down from 2024 due to lower interest margins).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">Non-Interest Income:<\/b> \u20ac309 million (Up 14%, driven by fees and insurance results).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b data-path-to-node=\"7,2,0\" data-index-in-node=\"0\">Retail Deposits:<\/b> Climbed to \u20ac22.2 billion, a steady 8% increase.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">Efficiency and Asset Quality<\/b><\/h3>\n<p data-path-to-node=\"10\">Nicolaou emphasized that the bank is now operating as one of the leanest institutions in the region. The cost-to-income ratio remained exceptionally low at 37%, while the bank\u2019s efforts to clean up legacy debt have pushed the Non-Performing Loan (NPL) ratio down to a mere 1.2%.<\/p>\n<blockquote data-path-to-node=\"11\">\n<p data-path-to-node=\"11,0\">&#8220;Our asset quality is now significantly better than the European average,&#8221; Nicolaou stated, noting that the bank\u2019s Return on Tangible Equity (ROTE) reached a healthy 18.6%.<\/p>\n<\/blockquote>\n<h3 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">Capital Strength &amp; Shareholder Rewards<\/b><\/h3>\n<p data-path-to-node=\"14\">The bank&#8217;s capital buffers have reached &#8220;fortress&#8221; levels. The Common Equity Tier 1 (CET1) ratio rose to 21%, while the total capital ratio hit 25.9%. This financial strength allowed the bank to propose a final dividend of \u20ac0.50 per share, bringing the total annual payout to \u20ac0.70 per share.<\/p>\n<table data-path-to-node=\"15\">\n<thead>\n<tr>\n<td><strong>Key Metric<\/strong><\/td>\n<td><strong>FY 2025 Result<\/strong><\/td>\n<td><strong>Status vs. Target<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"15,1,0,0\"><b data-path-to-node=\"15,1,0,0\" data-index-in-node=\"0\">New Lending<\/b><\/span><\/td>\n<td><span data-path-to-node=\"15,1,1,0\">\u20ac3.0 Billion<\/span><\/td>\n<td><span data-path-to-node=\"15,1,2,0\">\ud83d\udcc8 Record High<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"15,2,0,0\"><b data-path-to-node=\"15,2,0,0\" data-index-in-node=\"0\">NPL Ratio<\/b><\/span><\/td>\n<td><span data-path-to-node=\"15,2,1,0\">1.2%<\/span><\/td>\n<td><span data-path-to-node=\"15,2,2,0\">\ud83d\udcc9 Record Low<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"15,3,0,0\"><b data-path-to-node=\"15,3,0,0\" data-index-in-node=\"0\">Dividend Payout<\/b><\/span><\/td>\n<td><span data-path-to-node=\"15,3,1,0\">70%<\/span><\/td>\n<td><span data-path-to-node=\"15,3,2,0\">\ud83e\udd47 Top Tier<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"15,4,0,0\"><b data-path-to-node=\"15,4,0,0\" data-index-in-node=\"0\">CET1 Ratio<\/b><\/span><\/td>\n<td><span data-path-to-node=\"15,4,1,0\">21.0%<\/span><\/td>\n<td><span data-path-to-node=\"15,4,2,0\">\ud83d\udcaa Robust<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 data-path-to-node=\"16\"><b data-path-to-node=\"16\" data-index-in-node=\"0\">Strategic Outlook for 2026<\/b><\/h3>\n<p data-path-to-node=\"17\">Looking ahead, Nicolaou pointed to the resilience of the Cypriot economy, which is expected to grow by 3.1% in 2026\u2014more than double the projected average for the Eurozone. With a highly liquid balance sheet and surplus liquidity of \u20ac9.2 billion, the bank plans to continue its focus on digital innovation and supporting the island&#8217;s burgeoning tech and corporate sectors.<\/p>\n<p data-path-to-node=\"17\"><em>Source: Stockwatch.com.cy<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Bank of Cyprus (BoC) has capped a &#8220;landmark year&#8221; with a net profit of \u20ac481 million for 2025, fueled by a historic surge in new lending and a robust domestic economy. At a press conference held on Wednesday, February 18, 2026, CEO Panicos Nicolaou unveiled the preliminary results, highlighting a final quarter that contributed \u20ac128 [&hellip;]<\/p>","protected":false},"author":9,"featured_media":122591,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[211],"tags":[],"_links":{"self":[{"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/posts\/122590"}],"collection":[{"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/comments?post=122590"}],"version-history":[{"count":1,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/posts\/122590\/revisions"}],"predecessor-version":[{"id":122592,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/posts\/122590\/revisions\/122592"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/media\/122591"}],"wp:attachment":[{"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/media?parent=122590"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/categories?post=122590"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lamaisonestates.com\/he\/wp-json\/wp\/v2\/tags?post=122590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}