CrediaBank expects to roughly double its balance sheet once the planned consolidation of HSBC Bank Malta is completed, according to details presented during the bank’s Capital Markets Day in London.

The transaction — under which CrediaBank will acquire a 70.03% stake in HSBC Malta, subject to regulatory approvals — is expected to transform the group into a banking institution with €16.4 billion in assets and €13.3 billion in deposits.

Management said the integration would allow the group to combine operations across two high-growth European banking markets — Greece and Malta — while unlocking cross-market synergies across products, funding and operational efficiency.

The presentation outlined four strategic pillars for the bank’s next phase: expanding its position in the Greek banking market, accelerating growth in Malta, advancing digital transformation and pursuing targeted mergers and acquisitions.

CrediaBank’s latest financial results underscore the growth trajectory behind the strategy. In 2025 the bank recorded €3.4 billion in new loan disbursements and €1.1 billion in net credit expansion, capturing an 11% share of new lending in Greece.

Recurring pre-provision profits reached €82.5 million, up 88% year-on-year, while net interest income increased 58% to €168 million.

Deposits reached €6.8 billion, reflecting an 11% annual increase, while liquidity remained strong with a loan-to-deposit ratio of 66% and liquidity coverage ratio of 162%.

Meanwhile, HSBC Malta reported €109 million in profit before tax for 2025, with €2.8 billion in loans and €6.5 billion in deposits, highlighting the scale that the Maltese bank would bring to the combined group.

CrediaBank said its Malta strategy will focus on expanding commercial banking while accelerating personal banking and fee-generating services such as wealth management and insurance.

A €60 million digital transformation programme is also underway across the group, aimed at modernising customer interfaces and improving operational efficiency.

The bank’s medium-term targets include return on tangible equity above 17%, recurring net profit exceeding €225 million, and continued expansion of its loan portfolio.