Alpha Bank S.A. (ALBKY) Q2 2026 Earnings Call Transcript

Hello, everyone, and welcome to the presentation of our second quarter results. I am Iason Kepaptsoglou, Alpha Bank's Head of IR. Our CEO, Vassilios Psaltis, will lead the call with the usual summary and a few updates. Our CFO, Vassilios Kosmas, will then go through this quarter's numbers in some detail. Q&A will come up at the end of the call, and we should wrap up within the hour. Vassilios, over to you. Good morning, everyone. Thank you for joining our call. Let's start with an overview of our results for the first half of the year on Slide 4, please. The first half of the year saw us posting close to EUR 0.5 billion in profits. On a normalized basis, this is up 6.5% versus last year. Our net interest income is up 7.3% versus last year as we continue to benefit from growth in the loan book. Fees are up 34% on a headline basis or 24%, if one