CrediaBank publishes 2025 annual report

• CrediaBank published its 2025 annual report, highlighting a turnaround year marked by a rebrand and the operational merger of the former Attica Bank and Pancreta Bank IT platforms.
• Balance sheet growth accelerated, driven by higher lending activity and deposit inflows, while credit quality remained stable alongside a sharp drop in credit-loss charges versus the prior year’s NPE clean-up.
• Capital markets access expanded through a dual issuance of Additional Tier 1 capital instruments totaling EUR 100 million and subordinated bonds totaling EUR 150 million, drawing heavy demand from foreign institutional investors.
• International expansion moved to the forefront with an agreement to acquire 70.03% of HSBC Bank Malta for EUR 200 million, positioned as a step-change that would double key metrics once completed.
• Strategic partnerships reshaped the payments footprint, including a deal with Euronet covering the ATM network and merchant acquiring, alongside talks to buy 70% of Pantelakis Securities to broaden fee income.

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