• Record New Lending of €3bn
• NPL Ratio Reduced to 1.2%

The Bank of Cyprus has just announced profits of €481 million as part of its financial results for 2025, reflecting the Group’s continued strong profitability.

The high profits led BOCH to proceed with its largest distribution to shareholders to date, amounting to €305 million, corresponding to a 70% payout ratio, at the upper end of its dividend policy.

A 25% increase in total annual distribution was recorded, reaching €0.70 per ordinary share, with cumulative distributions of €705 million since 2022.

Record new lending: New lending reached €3 billion, marking a 23% year-on-year increase, confirming the Bank’s commitment to supporting its customers and the Cypriot economy.

The increase was mainly driven by corporate and international clients.

Total performing loans rose by 8% year-on-year to €10.9 billion.

Return on tangible equity (ROTE) reached 18.6% for the year ended 31 December 2025.

The cost-to-income ratio remains low at 37%.

Leveraging digital solutions: Strong performance was recorded across digital channels, demonstrating the success of investments in technology and customer experience.

Active digital users reached 504,000 by the end of 2025.

The financial results also note a reduction in the non-performing loans (NPL) ratio to 1.2%.

The Liquidity Coverage Ratio increased to 321%, while surplus liquidity reached €9.2 billion.