# Eurobank S.A.

Summary updated: 2026-10-04T14:25:33.069894Z
Canonical: https://finbar.com/research/companies/eurobank-s-a

## Overview

Eurobank S.A. is a banking and financial-services group whose core business is serving retail, corporate and private-banking customers. Its services include lending and deposits, asset and wealth management, capital-markets and treasury activities, insurance, leasing and factoring. [1](https://app.finbar.com/go?id=P120943779)[2](https://app.finbar.com/go?id=P146720055)

The Group is centered on Greece and has significant operations in Bulgaria, Cyprus and Luxembourg, alongside a presence in the UK and India. [3](https://app.finbar.com/go?id=P146719792)[4](https://www.eurobank.gr/en/group/about-eurobank/the-eurobank-group) Eurobank describes its vision as creating prosperity for customers, employees, shareholders and society through pioneering solutions. [5](https://www.eurobank.gr/en/group/about-eurobank/our-purpose-vision-values)

As of 30 June 2026, the Group reported 12,224 employees; operating income for the six months ended on that date was €1,810.2 million. [6](https://app.finbar.com/go?id=T16575394)[7](https://app.finbar.com/go?id=T16575298)
[1](https://app.finbar.com/go?id=P120943779)[2](https://app.finbar.com/go?id=P146720055)[3](https://app.finbar.com/go?id=P146719792)[6](https://app.finbar.com/go?id=T16575394)[7](https://app.finbar.com/go?id=T16575298)[4](https://www.eurobank.gr/en/group/about-eurobank/the-eurobank-group)[5](https://www.eurobank.gr/en/group/about-eurobank/our-purpose-vision-values)

## Products & services

Eurobank S.A. offers personal banking products including accounts, loans, insurance and payment cards. Its named card products include the Personal Banking Debit Visa and Debit Mastercard, the latter connected to the €pistrofi rewards programme. Customers can open accounts through the Eurobank Mobile App, which also includes EVA, the bank’s virtual assistant. Private Banking’s Open Architecture provides access to more than 3,000 UCITS and mutual funds from 15 asset managers; insurance offerings include life and health, credit-life, home and liability cover. [8](https://www.eurobank.gr/en/retail/products-services/products/kartes/debit-cards/debit-mastercard)[9](https://www.eurobank.gr/en/retail/products-services/products/logariasmoi-prothesmiakes/trapezikoi-logariasmoi/pos-anoigete-logariasmo/)[10](https://www.eurobank.gr/en/retail/electronic-banking/mobile-and-apps/mobile-apps/eurobank-mobile-app?theme=screencolor_purplered)[11](https://www.eurobank.gr/en/private-banking/when-you-need-us/open-architecture)[12](https://www.eurobank.gr/en/international-customers/what-we-offer/insurance-products)

For businesses, services include working-capital and term financing, leasing, liquidity management, payments and collections, and international-trade support. Specific offerings include export-order financing, Trade Finance Facility 3, PayGate online collections, IRIS e-commerce payments, and Worldline Android POS terminals that accept cards, digital wallets and IRIS payments. Eurobank’s 1H 2026 reporting gives group income figures rather than product-level revenue percentages: net interest income was €1,348.5m, commission income €413.5m and operating income €1,810.2m. It does not state product revenue shares in the cited information. [13](https://www.eurobank.gr/en/business/)[14](https://www.eurobank.gr/en/business/corporate-banking/)[15](https://www.eurobank.gr/en/business/proionta-kai-upiresies/proionta-upiresies/eisagoges-eksagoges/xrimatodotisi/xrimatodotisi-paraggelias-eksagogis/)[16](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/paygate/)[17](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/pos-perigrafi/)[18](https://app.finbar.com/go?id=P144947898)[19](https://app.finbar.com/go?id=T16575393)
[18](https://app.finbar.com/go?id=P144947898)[19](https://app.finbar.com/go?id=T16575393)[8](https://www.eurobank.gr/en/retail/products-services/products/kartes/debit-cards/debit-mastercard)[9](https://www.eurobank.gr/en/retail/products-services/products/logariasmoi-prothesmiakes/trapezikoi-logariasmoi/pos-anoigete-logariasmo/)[10](https://www.eurobank.gr/en/retail/electronic-banking/mobile-and-apps/mobile-apps/eurobank-mobile-app?theme=screencolor_purplered)[11](https://www.eurobank.gr/en/private-banking/when-you-need-us/open-architecture)[12](https://www.eurobank.gr/en/international-customers/what-we-offer/insurance-products)[13](https://www.eurobank.gr/en/business/)[14](https://www.eurobank.gr/en/business/corporate-banking/)[15](https://www.eurobank.gr/en/business/proionta-kai-upiresies/proionta-upiresies/eisagoges-eksagoges/xrimatodotisi/xrimatodotisi-paraggelias-eksagogis/)[16](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/paygate/)[17](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/pos-perigrafi/)

## Geographic presence

Eurobank’s geographic footprint is centered on Greece, with significant international operations in Bulgaria, Cyprus and Luxembourg. Its Group profile also lists the United Kingdom (London) and India (Mumbai); as of 30 June 2026, the Group had 550 branches—288 in Greece and 262 internationally—and 12,221 employees. The employee total is Group-wide; no country-level employee distribution was reported in the sources reviewed. [20](https://app.finbar.com/go?id=P91376832)[4](https://www.eurobank.gr/en/group/about-eurobank/the-eurobank-group)

The FY2025 report describes 71 branches and business centres in Cyprus and 196 in Bulgaria, while Eurobank Private Bank Luxembourg also had branches in London and Athens. These country-level figures are from the FY2025 report and are distinct from the later Group-wide branch total. [20](https://app.finbar.com/go?id=P91376832)[21](https://app.finbar.com/go?id=P78267677) In FY2025, consolidated international external revenue was €1,572 million: €994 million from Cyprus (about 63.2%), €511 million from Bulgaria (32.5%), €65 million from Luxembourg (4.1%) and €2 million from Other (about 0.1%). International revenue represented about 45.8% of consolidated external revenue. [22](https://app.finbar.com/go?id=T10107945)[23](https://app.finbar.com/go?id=T3680077) In H1 2026, international external revenue was €806 million, comprising €479 million from Cyprus (about 59.4%), €289 million from Bulgaria (35.9%), €37 million from Luxembourg (4.6%) and €1 million from Other (about 0.1%). These revenue figures are consolidated Group segment disclosures, not standalone Eurobank S.A. revenue. [24](https://app.finbar.com/go?id=T16784545)
[20](https://app.finbar.com/go?id=P91376832)[21](https://app.finbar.com/go?id=P78267677)[22](https://app.finbar.com/go?id=T10107945)[22](https://app.finbar.com/go?id=T10107945)[22](https://app.finbar.com/go?id=T10107945)[22](https://app.finbar.com/go?id=T10107945)[22](https://app.finbar.com/go?id=T10107945)[23](https://app.finbar.com/go?id=T3680077)[23](https://app.finbar.com/go?id=T3680077)[24](https://app.finbar.com/go?id=T16784545)[24](https://app.finbar.com/go?id=T16784545)[24](https://app.finbar.com/go?id=T16784545)[24](https://app.finbar.com/go?id=T16784545)[24](https://app.finbar.com/go?id=T16784545)[4](https://www.eurobank.gr/en/group/about-eurobank/the-eurobank-group)

## Business segments

Eurobank’s H1 2026 reporting combines business-line segments in Greece with a country-based International segment. The following approximate shares are calculated from segment external revenue and profit before tax (PBT) for the six months ended 30 June 2026; negative shares reflect negative segment results. [25](https://app.finbar.com/go?id=P146719864)[26](https://app.finbar.com/go?id=P146719865)[27](https://app.finbar.com/go?id=P146719866)[28](https://app.finbar.com/go?id=T16784543)

Retail focuses on consumer and small-business banking, deposits, cards, consumer loans and mortgages, and contributed 24.8% of external revenue and 24.5% of PBT. Corporate provides corporate deposits and lending, credit facilities, cash management, trade and investment-banking services, contributing 15.0% of revenue and 25.2% of PBT. Markets covers financial-instrument trading, institutional-investor services, financial advice and intermediation, and equity brokerage; it contributed 11.7% of revenue and 18.8% of PBT. Investment Property manages a diversified commercial real-estate portfolio and contributed 2.0% of revenue and 2.4% of PBT. [29](https://app.finbar.com/go?id=P146719867)[30](https://app.finbar.com/go?id=P146719868)[31](https://app.finbar.com/go?id=P146719869)[32](https://app.finbar.com/go?id=P146719870)[28](https://app.finbar.com/go?id=T16784543)

Remedial and Servicing Strategy (RSS) covers non-performing-asset and repossessed-property management, retained securitisation notes, and its share of doValue Greece results; it recorded negative revenue equivalent to −0.3% of Group external revenue and −7.9% of Group PBT. International comprises operations in Bulgaria, Cyprus, Luxembourg, and Romania/Serbia grouped as “Other”; it contributed 44.6% of revenue and 40.0% of PBT. Other and Elimination center includes activities such as own-use property and equipment, other investing, mutual funds and institutional asset management, private banking, and other results, together with eliminations; it contributed 2.2% of revenue and had negative PBT equivalent to −2.9% of Group PBT. [33](https://app.finbar.com/go?id=P146719871)[34](https://app.finbar.com/go?id=P146719872)[35](https://app.finbar.com/go?id=P146719873)[28](https://app.finbar.com/go?id=T16784543)[24](https://app.finbar.com/go?id=T16784545)
[25](https://app.finbar.com/go?id=P146719864)[26](https://app.finbar.com/go?id=P146719865)[27](https://app.finbar.com/go?id=P146719866)[29](https://app.finbar.com/go?id=P146719867)[30](https://app.finbar.com/go?id=P146719868)[31](https://app.finbar.com/go?id=P146719869)[32](https://app.finbar.com/go?id=P146719870)[33](https://app.finbar.com/go?id=P146719871)[34](https://app.finbar.com/go?id=P146719872)[35](https://app.finbar.com/go?id=P146719873)[28](https://app.finbar.com/go?id=T16784543)[24](https://app.finbar.com/go?id=T16784545)

## Company history

Eurobank began in 1990 as Euromerchant Bank S.A. It expanded through a series of Greek bank combinations: Interbank Greece merged with EFG Eurobank in 1997, followed by the acquisitions and mergers of Cretabank and Bank of Athens in 1998–1999. In 2000, EFG Eurobank absorbed Ergasias Bank and adopted the name EFG Eurobank Ergasias. [36](https://www.eurobank.gr/en/group/about-eurobank/our-history) [37](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-1999.pdf) [38](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/efg-eurobank-ergasias-2000.pdf)

During the 2000s, Eurobank expanded into southeastern Europe, building its Romanian presence through Bancpost and acquiring or consolidating banking operations in Serbia and Bulgaria; it also completed the transfer of a majority stake in Turkey’s Tekfenbank in 2007. [39](https://www.eurobank.gr/en/group/grafeio-tupou/58-news-page) [40](https://www.eurobank.gr/en/group/grafeio-tupou/35-news-page) [41](https://www.eurobank.gr/-/media/eurobank/omilos/enimerosi-ependuton/etairikes-parousiaseis/apotelesmata-etous-2006.pdf) [42](https://www.eurobank.gr/en/omilos/grafeio-tupou/922-news-page) [43](https://www.eurobank.gr/en/group/grafeio-tupou/976-news-page) Following a bridge recapitalisation in 2012, Eurobank was recapitalised by the Hellenic Financial Stability Fund in 2013 and acquired New Proton Bank and New TT Hellenic Postbank, which it subsequently merged into the group. Capital increases in 2014 and 2015 brought private investors back to majority ownership and provided further private capital. [44](https://www.eurobank.gr/Uploads/pdf/Eurobank%201Q13%20Results%20Press%20Release.pdf) [45](https://www.eurobank.gr/en/group/grafeio-tupou/1901-news-page) [46](https://www.eurobank.gr/en/omilos/grafeio-tupou/1906-news-page) [47](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2014-eng.pdf) [48](https://www.eurobank.gr/-/media/eurobank/omilos/annual-reports-english/annual-report-2015-eng.pdf) In 2019, Eurobank absorbed Grivalia. In 2020, a demerger transferred the banking business to the newly established Eurobank S.A., while the former listed company became Eurobank Ergasias Services and Holdings S.A. [49](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2019.pdf) [50](https://www.eurobank.gr/en/group/grafeio-tupou/etairiki-anakoinosi-20-03-20/)
[36](https://www.eurobank.gr/en/group/about-eurobank/our-history)[37](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-1999.pdf)[38](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/efg-eurobank-ergasias-2000.pdf)[39](https://www.eurobank.gr/en/group/grafeio-tupou/58-news-page)[40](https://www.eurobank.gr/en/group/grafeio-tupou/35-news-page)[41](https://www.eurobank.gr/-/media/eurobank/omilos/enimerosi-ependuton/etairikes-parousiaseis/apotelesmata-etous-2006.pdf)[42](https://www.eurobank.gr/en/omilos/grafeio-tupou/922-news-page)[43](https://www.eurobank.gr/en/group/grafeio-tupou/976-news-page)[44](https://www.eurobank.gr/Uploads/pdf/Eurobank%201Q13%20Results%20Press%20Release.pdf)[45](https://www.eurobank.gr/en/group/grafeio-tupou/1901-news-page)[46](https://www.eurobank.gr/en/omilos/grafeio-tupou/1906-news-page)[47](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2014-eng.pdf)[48](https://www.eurobank.gr/-/media/eurobank/omilos/annual-reports-english/annual-report-2015-eng.pdf)[49](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2019.pdf)[50](https://www.eurobank.gr/en/group/grafeio-tupou/etairiki-anakoinosi-20-03-20/)

## Sources

1. [Eurobank S.A. — Full financial report (2025 Y), p543](https://app.finbar.com/go?id=P120943779)
2. [Eurobank S.A. — Full financial report (2026 H 1), p61](https://app.finbar.com/go?id=P146720055)
3. [Eurobank S.A. — Full financial report (2026 H 1), p36](https://app.finbar.com/go?id=P146719792)
4. [www.eurobank.gr](https://www.eurobank.gr/en/group/about-eurobank/the-eurobank-group)
5. [www.eurobank.gr](https://www.eurobank.gr/en/group/about-eurobank/our-purpose-vision-values)
6. [Eurobank S.A. — Presentation (2026 H 1), p61](https://app.finbar.com/go?id=T16575394)
7. [Eurobank S.A. — Presentation (2026 H 1), p5](https://app.finbar.com/go?id=T16575298)
8. [www.eurobank.gr](https://www.eurobank.gr/en/retail/products-services/products/kartes/debit-cards/debit-mastercard)
9. [www.eurobank.gr](https://www.eurobank.gr/en/retail/products-services/products/logariasmoi-prothesmiakes/trapezikoi-logariasmoi/pos-anoigete-logariasmo/)
10. [www.eurobank.gr](https://www.eurobank.gr/en/retail/electronic-banking/mobile-and-apps/mobile-apps/eurobank-mobile-app?theme=screencolor_purplered)
11. [www.eurobank.gr](https://www.eurobank.gr/en/private-banking/when-you-need-us/open-architecture)
12. [www.eurobank.gr](https://www.eurobank.gr/en/international-customers/what-we-offer/insurance-products)
13. [www.eurobank.gr](https://www.eurobank.gr/en/business/)
14. [www.eurobank.gr](https://www.eurobank.gr/en/business/corporate-banking/)
15. [www.eurobank.gr](https://www.eurobank.gr/en/business/proionta-kai-upiresies/proionta-upiresies/eisagoges-eksagoges/xrimatodotisi/xrimatodotisi-paraggelias-eksagogis/)
16. [www.eurobank.gr](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/paygate/)
17. [www.eurobank.gr](https://www.eurobank.gr/en/business/corporate-banking/corporate-anagkes/kathimerini-diaxeirisi-kai-sunallages/eisprakseis/pos-perigrafi/)
18. [Eurobank S.A. — Presentation (2026 H 1), p61](https://app.finbar.com/go?id=P144947898)
19. [Eurobank S.A. — Presentation (2026 H 1), p61](https://app.finbar.com/go?id=T16575393)
20. [Eurobank S.A. — Full financial report (2025 Y), p8](https://app.finbar.com/go?id=P91376832)
21. [Eurobank S.A. — Full financial report (2025 Y), p8](https://app.finbar.com/go?id=P78267677)
22. [Eurobank S.A. — Full financial report (2025 Y), p528](https://app.finbar.com/go?id=T10107945)
23. [Eurobank S.A. — Full financial report (2025 Y), p527](https://app.finbar.com/go?id=T3680077)
24. [Eurobank S.A. — Full financial report (2026 H 1), p42](https://app.finbar.com/go?id=T16784545)
25. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719864)
26. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719865)
27. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719866)
28. [Eurobank S.A. — Full financial report (2026 H 1), p42](https://app.finbar.com/go?id=T16784543)
29. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719867)
30. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719868)
31. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719869)
32. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719870)
33. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719871)
34. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719872)
35. [Eurobank S.A. — Full financial report (2026 H 1), p41](https://app.finbar.com/go?id=P146719873)
36. [www.eurobank.gr](https://www.eurobank.gr/en/group/about-eurobank/our-history)
37. [www.eurobank.gr](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-1999.pdf)
38. [www.eurobank.gr](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/efg-eurobank-ergasias-2000.pdf)
39. [www.eurobank.gr](https://www.eurobank.gr/en/group/grafeio-tupou/58-news-page)
40. [www.eurobank.gr](https://www.eurobank.gr/en/group/grafeio-tupou/35-news-page)
41. [www.eurobank.gr](https://www.eurobank.gr/-/media/eurobank/omilos/enimerosi-ependuton/etairikes-parousiaseis/apotelesmata-etous-2006.pdf)
42. [www.eurobank.gr](https://www.eurobank.gr/en/omilos/grafeio-tupou/922-news-page)
43. [www.eurobank.gr](https://www.eurobank.gr/en/group/grafeio-tupou/976-news-page)
44. [www.eurobank.gr](https://www.eurobank.gr/Uploads/pdf/Eurobank%201Q13%20Results%20Press%20Release.pdf)
45. [www.eurobank.gr](https://www.eurobank.gr/en/group/grafeio-tupou/1901-news-page)
46. [www.eurobank.gr](https://www.eurobank.gr/en/omilos/grafeio-tupou/1906-news-page)
47. [www.eurobank.gr](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2014-eng.pdf)
48. [www.eurobank.gr](https://www.eurobank.gr/-/media/eurobank/omilos/annual-reports-english/annual-report-2015-eng.pdf)
49. [www.eurobank.gr](https://www.eurobank.gr/-/media/holding/omilos/annual-reports-english/annual-report-2019.pdf)
50. [www.eurobank.gr](https://www.eurobank.gr/en/group/grafeio-tupou/etairiki-anakoinosi-20-03-20/)

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