Basic Bank Information
bank type: Eurobank Ergasias Services and Holdings S.A. (Eurobank) is a publicly traded commercial bank controlled primarily by Greek ship king Spiros Latsis and his family. Its parent company, Eurobank Ergasias Services and Holdings S.A., was incorporated in Athens, Greece in 1926 and listed on the Athens Stock Exchange. reuters.com+8en.wikipedia.org+8eurobank.gr+
8Name and backgroundThe origins of Eurobank can be traced back to the founding of the "V. Karavasilis Tobacco Company and Bank" in 1924. In 2000, EFG Eurobank merged with Ergasias Bank to form the existing Eurobank Ergasias. In 2012, the bank changed its name to Eurobank Ergasias Services and Holdings S.A. and spun off its banking business to a wholly owned subsidiary, Eurobank S.A.
Shareholder Background: Dominated by the Spyros Ratsis family, with a shareholding of approximately 44%. In addition, Fairfax Financial, a Canadian investment firm, also holds about 33.29% of the shares. Eurobank is listed on the Athens Stock Exchange under the ticker symbol EUROB.
service range
Regions Covered: Primarily operating in Greece, Cyprus, Bulgaria, Luxembourg and the United Kingdom.
Number of offline outlets: As of 2023, Eurobank has a total of 540 branches in the above countries.
ATM distribution: The exact number of ATMs is not publicly disclosed, but as one of the major banks, Eurobank has an extensive self-service network in its service area.
regulatory and compliance
regulator: Eurobank is regulated by the Central Bank of Greece (Bank of Greece).
Deposit Insurance Scheme: As a bank in a member state of the Eurozone, Eurobank's deposits are protected by the Hellenic Deposit Protection Fund, in line with the requirements of the EU Deposit Protection Directive.
Compliance record: Eurobank follows international best practice and has an independent compliance department that regularly reports on compliance to the Audit Committee to ensure compliance with the applicable legal and regulatory framework.
financial health
capital adequacy ratio: as of Q1 2025, Eurobank's CET1 ratio is 15.7%, which is above the minimum level required by EU regulators.
Non-performing loan ratio: Eurobank's non-performing loan ratio was 2.9% at the end of 2024, demonstrating good asset quality.
Liquidity Coverage Ratio: Eurobank had a liquidity coverage ratio of 182.8% in the first quarter of 2025, indicating that it has sufficient short-term liquidity buffers.
deposit and loan products
deposit rates: Eurobank offers a wide range of deposit products, including demand and term deposits. The specific interest rate varies depending on the market conditions and the amount of the deposit, so it is recommended to visit their official website or contact the bank for the latest information.
Loan interest rates: Eurobank offers a wide range of loan products such as personal loans, mortgages and lines of credit. Interest rates vary depending on factors such as the type of loan, amount and term, and can be found on their official website for details.
list of common fees
account management fees: Eurobank's account management fees vary depending on the account type and service offering.
Transfer fees: Domestic transfers may be free or charge a small fee, and cross-border transfer fees are higher, please refer to their official website for specific fees.
Overdraft Fee and ATM Interbank Withdrawal Fee: Overdraft and ATM Interbank Withdrawal may incur additional fees, please consult your bank for specific fee standards.
Hidden Fee Alert: Some accounts may have a minimum balance requirement and may be charged if they are not met, so we recommend that you understand the terms and conditions before opening an account.
digital service experience
APP & Online Banking: Eurobank offers feature-rich mobile banking applications, It supports biometric login, real-time transfer, bill management and other functions, and has high user evaluation.
Technological innovation: Eurobank continues to invest in digital transformation and has launched a number of innovative services, such as robo-advisors and open banking APIs, to enhance the customer experience.
customer service quality
service channel: Eurobank provides a 24/7 customer service hotline, customers can be contacted by phone, Get support via live chat.
Complaint handling: The bank has a dedicated complaint handling mechanism in place to ensure that customer feedback is handled in a timely and fair manner.
Multilingual support: Eurobank offers multilingual services, especially in its international business areas, such as Cyprus and Bulgaria, supporting multiple languages to serve clients of different backgrounds.
security measures
security of funds: Eurobank uses advanced anti-fraud technologies, such as the Fraudguard system Real-time monitoring of transaction risks to ensure the safety of customer funds.
Data security: Banks comply with the European Union's General Data Protection Regulation (GDPR) to ensure the security and privacy of customers' personal data.
Featured Services & Differentiation
market segments: Eurobank offers exclusive services for different customer groups, such as student accounts, financial products for the elderly, etc., to meet diverse needs.
High Net Worth Services: The Bank has a private banking division that provides customized wealth management and investment solutions to help high net worth clients achieve their financial goals.
