Ancoria Bank Ltd – Audited Financial Results for the year ended 31 December 2025
For the year ended 31 December 2025, Ancoria Bank Ltd («Ancoria Bank») has reported:
- Profit after tax of €5.9mln.
- Loan book stands at €304.9mln.
- Strong capital adequacy with Total Capital Ratio (TCR) and Common Equity Tier 1 (CET1) ratio at 33.59%, and 31.09% respectively, comfortably above the regulatory minimum of 16.52% including SREP requirement.
- Substantial excess liquidity with deposits reaching €817.1mln, recording an increase of 10% year-on-year and registering a Liquidity Coverage Ratio (LCR) of 1,225% compared to a minimum requirement of 100%.
- Asset quality remaining at high levels with Non-Performing Exposures (NPE) ratio based on European Banking Authority’s definition at 3.7%.
Ancoria Bank continued its positive development for another year, remaining focused on its strategic goal of being a reliable financial partner to its customers, laying solid foundations for long-term relationships.
Ancoria Bank Ltd, incorporated in Cyprus in 2013, operates as a limited liability company under the Cyprus Companies Law, Cap.113.
|
31/12/2025 Audited |
31/12/2024
Audited |
31/12/2023
Audited |
31/12/2022
Audited |
31/12/2021
Audited |
31/12/2020
Audited |
31/12/2019
Audited |
31/12/2018
Audited |
31/12/2017
Audited |
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| Gross Loans (€mln) | 304.9 | 317.4 | 318.0 | 334.1 | 308.0 | 272.6 | 210.2 | 118.0 | 63.6 |
| Customer Deposits (€mln) | 817.1 | 742.6 | 672.0 | 429.8 | 369.2 | 296.3 | 224.6 | 159.6 | 59.6 |
| Profit after tax (€mln) | 5.9 | 7.9 | 8.3 | 3.0 | 1.0 | -1.8 | -3.2 | -5.1 | -5.7 |
| Non-Performing Exposures Ratio | 3.7% | 1.9% | 1.7% | 0% | 0% | 0% | 0% | 0% | 0% |
| Total Capital Ratio | 33.59% | 25.21% | 23.08% | 19.65% | 18% | 19% | 19% | 38% | 83% |
| Liquidity Coverage Ratio | 1,225% | 1,299% | 1,542% | 544% | 343% | 288% | 344% | 763% | 388% |
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