The management of CrediaBank presented to Greek institutional investors the bank's next phase of growth, with emphasis on the integration of recent acquisitions, the increase in lending, and the utilization of excess capital.
According to Optima Bank, the bank's management ruled out the possibility of new acquisitions in the immediate period, as priority shifts to the integration of HSBC Malta, Europa Insurance and Pantelakis Securities. The timetable of the agreements remains on target, with the completion of the acquisition of HSBC Malta expected in the second quarter of 2027.
After the completion of the transaction in Malta, approximately €1 billion of liquidity could be redirected to support growth in Greece. The bank continues to increase its share in lending, which stood at 11% in the first half of 2026, while loan production in the nine-month period has already exceeded the target for the whole year.
In retail banking, CrediaBank does not plan to expand its branch network, but aims to increase its market share to 7%, from 3.5% today. At the same time, fee income, which currently accounts for 17% of total revenue, is expected to be strengthened through recent acquisitions and partnerships.
As regards the financial figures, management has now set a target of net profits above €260 million in 2028 and above €360 million in 2030. At the same time, the cost-to-income ratio is expected to decline to the low 40% range in 2028 and the mid-30% range in 2030.
Excess capital, finally, is expected to be directed mainly to the growth of lending and, after 2027, to potential acquisition opportunities.
If no attractive investment opportunities arise, capital distribution to shareholders remains, according to Optima, one of the available options.