PORTUGAL BANK FOR SALE OPPORTUNITY

Valters Gencs
4 days ago
2 min read

PORTUGAL BANK OPPORTUNITY

€300M+ Balance Sheet | Strong Funding Base | Ready to Scale

🇵🇹 Strategic Location — Portugal

• Lisbon is rapidly emerging as a Southern European financial hub attracting international founders, family offices, and U.S. investors• Fully licensed Eurozone bank with passporting access across the EU• Stable regulatory environment with supportive stance toward digital banking innovation• Attractive lending spreads and underserved SME/private credit segments• Strong inflow of capital, migration, and entrepreneurial activity driving banking demand• Efficient operating cost base vs. core EU markets

2025 Snapshot (Rounded)

• Total Assets: €310M• Loan Book: €170M+ and expanding• Customer Deposits: €270M stable funding base• Liquidity: €100M+ cash & central bank balances• Equity: ~€30M• Fully operational regulated EU banking platform

Revenue Momentum

• Interest Income: €10M+ YTD• Net Operating Revenue: €6M+• Near break-even profitability with clear operating leverage• Existing cost base supports significantly larger balance sheet without proportional expense growth

Institutional-Grade Banking Platform

• Regulated European bank with infrastructure, compliance, and reporting fully in place• Established retail and corporate lending operations• Diversified portfolio across consumer, mortgage, and corporate lending• Strong deposit franchise supporting scalable loan growth• High liquidity provides immediate capacity for asset expansion

Scale Opportunity

This is not a startup — it is a live licensed bank with:

• Existing €300M+ balance sheet• Revenue-generating operations• Stable funding base already secured• Immediate ability to accelerate lending growth• Clear path to profitability through scale and efficiency

Investment Case

Rare opportunity to acquire and scale a licensed Eurozone bank in a growth market.

With fresh capital and strategic expansion:

• Loan growth can accelerate rapidly• Operating leverage drives strong earnings inflection• Platform positioned to capture next wave of Portuguese and EU credit demand

Price - 29 million EUR

Licensed banks in the EU rarely come available at this stage of readiness.