Bank of Cyprus Holdings Public Limited Company (OTCPK:BKCYF) Q3 2025 Earnings Call November 11, 2025 4:00 AM EST
Company Participants
Panicos Nicolaou – CEO & Executive Director
Eliza Livadiotou – Executive Director of Finance & Executive Director
Conference Call Participants
Alexandros Boulougouris – Euroxx Securities S.A., Research Division
Hugo Cruz – Keefe, Bruyette & Woods Limited, Research Division
Alfredo Alonso Estudillo – Deutsche Bank AG, Research Division
Alexander Kantarovich – Roemer Capital (Europe) Limited
Osman Memisoglu – Ambrosia Capital Ltd, Research Division
Presentation
Operator
Ladies and gentlemen, thank you for standing by. I am Jota, your Chorus Call operator. Welcome, and thank you for joining the Bank of Cyprus conference call to present and discuss the 9 months 2025 financial results. [Operator Instructions] The conference is being recorded.
At this time, I would like to turn the conference over to Mr. Panicos Nicolaou, Chief Executive Officer. Mr. Nicolaou, you may now proceed.
Panicos Nicolaou
CEO & Executive Director
Good morning, everyone. Thank you for joining our financial results conference call for the 9 months ended 30 September 2025. I am joined by Eliza Livadiotou, Executive Director of Finance; and Annita Pavlou, Manager, Strategy, IR and ESG. After my introductory remarks, Eliza will go into more detail on our financial performance, and then we will be very happy to take your questions both during this conference call and afterwards.
I would like to start by briefly reminding you of our powerful equity story and our core strengths on Slide #3. We are a leading player in a highly liquid and concentrated banking sector in Cyprus, and we operate in a supportive macroeconomic environment that is resilient and growing. We have a diversified business model with services extending beyond banking, allowing us to navigate successfully the current interest rate cycle while investing in new growth initiatives and leveraging key strengths
