Alpha Bank’s CEO, Vassilis Psaltis, presented the three main pillars of capital management strategy, during his intervention at the Investment Conference 2025 organized by Morgan Stanley and the Athens Stock Exchange in London.
In the presence of important international investors and analysts from around the world, Psaltis mapped out the Bank’s broader investment strategy, which focuses on sustainable growth, creating value for shareholders and accelerating the organization’s strategic ambitions.
The three pillars of Alpha Bank’s capital management strategy
• Organic growth and investments that enhance future profitability
“The first pillar is organic growth and investments. The bank prioritizes the internal allocation of capital to expand its activities,” Psaltis said, explaining that “this includes significant investments in technology, improving efficiency and enhancing revenue generation. It also includes the development of new capabilities and products, allowing for the provision of more holistic services. As corporate clients in Greece demand a broader range of services, Alpha Bank aims to deepen relationships and increase its market share,” Psaltis noted.
• Regular distribution of capital through distributions to shareholders
“The second pillar concerns the distribution of capital through regular distributions. Since reinstating dividends two years ago, Alpha Bank has steadily increased its profit distribution rate. For 2025, it plans to distribute 50% of declared profits —approximately 450 million euros— including an interim dividend of 111 million euros,” emphasized Psaltis.
• Utilization of excess capital for strategic moves and acquisitions
Describing the third pillar, the CEO of Alpha Bank noted: “The third pillar concerns the use of excess capital. With capital buffers aligned with European ones and an optimized capital structure, the bank has ample room to pursue complementary acquisitions.”
Regarding the Bank’s performance, Psaltis spoke of strong progress. “Loans grew by 13% compared to the previous year, while fee income grew even faster, by over 20% on an underlying basis. Growth was particularly strong in trading and wealth management, while the partnership with UniCredit will further enhance product capabilities and cross-border flows,” said Psaltis.
Aiming for 10% increase in earnings per share
As underlined by the CEO of Alpha Bank, the bank aims for strong and sustainable profitability. More specifically, it expects to increase earnings per share by approximately 10% in the coming years. “This will be achieved through the expansion of the balance sheet, the increase in commission income and the more intensive exploitation of its cooperation with UniCredit,” Psaltis explained.
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