As stated in its announcement, the company recorded double-digit growth across its key financial indicators. Total revenue reached €17.7 million, marking a 10.3% increase compared to the previous fiscal year.
Net profit after tax amounted to €6.95 million, up by 11.7%, while the book value per share stood at €47.51. The Return on Equity (ROE) reached 26%, highlighting the company’s robust financial position, which remains debt-free.
Reflecting this strong performance, the General Assembly approved a dividend of €7.73 per share—the highest in the last 23 years.
Explosive Growth in Transactions and IRIS Adoption
In 2024, a total of 467.2 million transactions were processed through DIAS, with a total value of €501.9 billion—representing year-on-year increases of 15.1% in volume and 11.6% in value. A standout performer was instant credit transfers (instant payments), which soared to 70.6 million transactions, a remarkable 92.1% rise.
The IRIS system, DIAS’s interbank Account-to-Account (A2A) instant payment solution, continued its rapid expansion. IRIS P2P transactions totaled 49.3 million, up 142.4%, with 3.8 million registered users. Meanwhile, IRIS P2B gained 565,000 business users, with transactions exceeding 736,000—a staggering 844% increase. IRIS Commerce, now adopted by 8,000 e-shops, doubled its volume to 7.3 million transactions.
Paving the Way for the Future of European Payments
The year 2024 also marked the expansion of DIAS’s cross-border operations. With the full integration of 13 payment service providers from Cyprus, DIAS now operates as a cross-border payment clearing infrastructure for both Greece and Cyprus.
At the same time, Greece—via DIAS and the IRIS system—will join the pan-European initiative EuroPA. Together with nine other European countries, this initiative will form a unified, interoperable instant payments network serving nearly 105 million users. This new framework places instant payments at the heart of Europe’s efforts to enhance its strategic autonomy in financial services.
Strategic Investments and New Services for the Future of Payments
As part of its commitment to continuous service enhancement, DIAS is implementing several major projects in 2025 to boost security, interoperability, and user experience. Key initiatives include the completion of the IRIS Gap Analysis project—which will propose critical improvements to functionality and user experience (UX/UI)—and the rollout of the Verification of Payee (VoP) feature to verify the recipient in every transaction.
Additionally, extensive upgrades to the company’s technology infrastructure and systems are underway to ensure operational readiness for upcoming European and national regulatory requirements.
Statement by DIAS S.A. CEO, Ms. Stavroula Kampouridou:
"Our vision is to make instant payments a daily choice for every citizen and business, through a secure, intuitive, and fully EU-aligned experience. IRIS—Greece’s fastest-growing electronic payments product—is the key driver in achieving this goal."
DIAS remains firmly committed to investing in innovation, security, and interoperability, supporting both national and European goals for a modern, independent, and fully interconnected payments ecosystem.
