CrediaBank hosted a Capital Markets Day presentation in London providing an overview of the bank, the investment case as well as its growth strategy for sustainable growth and profitability.
CrediaBank is now the fastest-growing banking pillar in Greece, ranking fifth, based on assets, and having a 5% market share in branches and c. 3% in loans & deposits. CrediaBank has access to the two highest growth markets in EU such as Greece and Malta, while at the same time boasting a successful turnaround story in Greece.
The Bank has a strong management team with track record of successful execution of several complex and strategic projects under challenging timelines.
Based on CrediaBank’s FY25 results, the bank achieved an 11% market share in new business with €3.4bn new disbursements and €1.1bn net credit expansion. Recurring PPI settled at €82.5m, +88% yoy, and NII reached €168m, +58% yoy.
The bank has ample liquidity with €6.8bn deposits (+11% vs. 31.12.24). The year closed with a loan-to-deposit ratio of 66% and an LCR of 162%. Bank’s capital position is robust with no DTCs, Total capital ratio at 17.5% and CET1 ratio of 11.0%.
At the same time, HSBC Malta delivered strong financial results in 2025: With €2.8bn loans and €6.5bn deposits as at 31.12.2025, the bank generated Profit Before Taxes of €109m, while loan to deposits ratio is €42% and a CET1 ratio as high as 24.1%.
In terms of its medium and long-term strategy, CrediaBank moves around 4 thematic areas:
- Challenge the Greek banking market
- Supercharge Malta
- Digital transformation and synergies realization
- Value creation through targeted M&A
Greek economy is on an expansion path and thus a favorable macro environment with Greek banks achieving stronger loan growth and higher NIM, outperforming their EU peers.
CrediaBank is gaining market share across all segments with SME representing a compelling opportunity as it remains underserved. Asset management and insurance also offer substantial untapped growth potential. CrediaBank focuses on accelerating growth in wholesale segment, rebuilding retail presence and expanding non-credit related income.
The growth comes without compromising underwriting standards with the Bank continuing to contain its cost of risk and with minimal new NPE formation in the last several years.
Moreover, a transformation program is up and running with digital transformation being in the center with a 3yr, €60m investment plan focusing on completely revamping both the front end, customer interfaces, as well as the internal operations of the bank to improve the customer journey across all channels and create further efficiencies.
In Malta, aligned with its main strategic pillars, CrediaBank’s strategy mainly focuses on unlocking commercial banking and accelerating personal banking and fee income factories.
More specifically in wholesale, CrediaBank sees significant upside from underserved segments such as real estate & construction, wholesale & retail trade as well as accommodation, food services & activities.
In retail, CrediaBank aims to bring in quite a few value enhancers, i.e. increased product flexibility, simplified & faster lending process, digital solutions, youth & professional services, and more.
CrediaBank is expected to double in size upon HSBC Malta consolidation and will be a €16.4bn assets & €13.3bn deposits banking group.
CrediaBank Group is well-positioned to capture structural and business specific upsides across Greece and Malta and synergies will potentially include cross-diversification of products and know-how, funding synergies as well as cost efficiency optimisation.
CrediaBank has set strategic priorities for Malta in the areas of both Wealth & Personal Banking as well as Commercial Banking.
The Group’s medium and long-term targets include:
- Greek balance sheet re-levering, capturing market share and restarting growth focus in Malta
- Healthy loan portfolio and trends
- Strong liquidity with ample deposit funding
- Solid buffers driven by organic capital generation
- Uplift through balance sheet re-levering in both markets
- Volume, margin and fee-driven, balanced growth
- Improving operating leverage by transformation program and synergy delivery
- Clean and well-provisioned portfolio along with supportive macro trends reflected in stable cost of risk
- Solid recurring profitability leading to high teens RoTE
What success looks like in numbers:
- Recurring RoTE with a medium-term target of >17% and a long-term target of>18%
- Recurring Cost-to-Income Ratio with a medium-term target of Low 40%s and a long-term target of Mid 30%s
- Net Loans with a medium-term target of >€11bn and a long-term target of > €14bn
- Recurring Net Profit with a medium-term target of >€225m and a long-term target of >€325m
Further information can be found in the relevant presentation that its uploaded on CrediaBank’s website.
