Balance Sheet Erste Group Bank AG

Equities

EBS

AT0000652011

Banks

Market Closed - Wiener Boerse Other stock markets 16:38:08 17/04/2026 BST			5-day change	1st Jan Change
108.60 ^EUR	+3.13%		+4.62%	+5.54%

04-15	Hungary's forint and stocks hold on to post-election gains	RE
03-19	Autonomous Research Upgrades Erste Group Bank to Outperform, Lifts PT	MT

09b27.5Pb12PnHfjDLefV1GfvtZueyWo6JLFpwjnkKZchlKYI.vJOhtLf3M2eJK5c8QI_UK4_IarbhVBRHwyY4NK9TEfOipbS-vpcVd_gqxQ

Published financial data: ERSTE GROUP BANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	5.11B	8.62B	15.04B	15.35B	13.69B
Interest Income On Investments	33.2M	29.1M	38M	39M	36M
Interest Income, Total	5.14B	8.65B	15.08B	15.39B	13.73B
Interest On Deposits	484M	2.57B	6.87B	7.55B	5.99B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	484M	2.57B	6.87B	7.55B	5.99B
Net Interest Income	4.66B	6.08B	8.21B	7.84B	7.74B
Income From Trading Activities	58.6M	-779M	754M	519M	313M
Gain (Loss) on Sale of Assets	-	-	-194M	16M	22M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-4.8M	-24.2M	-	-8M	10M
Income (Loss) on Equity Invest. (Income Block)	15.4M	18M	23M	27M	46M
Total Other Non Interest Income	3.01B	3.25B	1.57B	2.79B	3.56B
Non Interest Income, Total	3.08B	2.46B	2.15B	3.34B	3.95B
Revenues Before Provison For Loan Losses	7.74B	8.55B	10.36B	11.19B	11.69B
Provision For Loan Losses	159M	300M	128M	397M	478M
Total Revenues	7.58B	8.25B	10.23B	10.79B	11.21B
Salaries And Other Employee Benefits	2.54B	2.64B	2.95B	3.14B	3.27B
Occupancy Expense	548M	551M	560M	547M	560M
Selling General & Admin Expenses, Total	1.22B	1.39B	1.51B	1.59B	1.76B
(Gain) Loss on Sale of Loans	7.6M	52M	13M	90M	49M
Total Other Non Interest Expense	277M	410M	362M	418M	296M
Non Interest Expense, Total	4.59B	5.04B	5.39B	5.79B	5.93B
EBT, Excl. Unusual Items	2.99B	3.21B	4.84B	5B	5.29B
Impairment of Goodwill	-	-5.4M	-9M	-	-
Asset Writedown	-52.6M	-36M	-41M	-6M	-14M
Legal Settlements	-1.2M	54.3M	8M	-	129M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	2.93B	3.22B	4.8B	5B	5.4B
Income Tax Expense	525M	556M	874M	1.05B	1.1B
Earnings From Continuing Operations	2.41B	2.67B	3.92B	3.94B	4.3B
Net Income to Company	2.41B	2.67B	3.92B	3.94B	4.3B
Minority Interest	-485M	-502M	-923M	-819M	-788M
Net Income - (IS)	1.92B	2.16B	3B	3.12B	3.51B
Preferred Dividend and Other Adjustments	148M	100M	99.07M	133M	139M
Net Income to Common Incl Extra Items	1.78B	2.06B	2.9B	2.99B	3.37B
Net Income to Common Excl. Extra Items	1.78B	2.06B	2.9B	2.99B	3.37B
Per Share Items
Net EPS - Basic	4.17	4.83	6.81	7.2	8.24
Basic EPS - Continuing Operations	4.17	4.83	6.81	7.2	8.24
Basic Weighted Average Shares Outstanding	426M	427M	426M	416M	409M
Net EPS - Diluted	4.17	4.83	6.8	7.19	8.24
Diluted EPS - Continuing Operations	4.17	4.83	6.8	7.19	8.24
Diluted Weighted Average Shares Outstanding	426M	427M	426M	416M	409M
Normalized Basic EPS	3.24	3.52	4.93	5.55	6.15
Normalized Diluted EPS	3.24	3.52	4.93	5.55	6.15
Dividend Per Share	1.6	1.9	2.7	3	0.75
Payout Ratio	39.31	34.81	28.99	38.94	38.29
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	17.9	17.26	18.23	21.07	20.42
Total Current Taxes	545M	578M	801M	848M	1B
Total Deferred Taxes	-20.1M	-21.8M	73M	205M	99M
Normalized Net Income	1.38B	1.5B	2.1B	2.31B	2.52B
Non-Cash Pension Expense	6M	11M	28M	26M	25M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	38.9M	32.9M	45M	58M	67M
Total Stock-Based Compensation	38.9M	32.9M	45M	58M	67M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	39.14B	31.7B	31.51B	20.46B	21.01B
Investment Securities, Total	47.77B	53.12B	56.2B	65.71B	72.13B
Trading Asset Securities, Total	6.18B	7.79B	8.69B	11.14B	9.3B
Total investments	53.94B	60.91B	64.88B	76.85B	81.43B
Gross Loans	202B	222B	230B	246B	253B
Allowance For Loan Losses	-3.86B	-3.92B	-4.02B	-4.08B	-3.95B
Other Adjustments to Gross Loans	-245M	-365M	-692M	-623M	-667M
Net Loans	198B	217B	226B	241B	248B
Gross Property Plant And Equipment	5.2B	5.05B	5.03B	5.17B	5.36B
Accumulated Depreciation	-2.56B	-2.34B	-2.33B	-2.3B	-2.3B
Net Property Plant And Equipment	2.65B	2.71B	2.7B	2.88B	3.06B
Goodwill	550M	556M	544M	608M	621M
Other Intangibles, Total	812M	791M	769M	774M	792M
Investment in Real Estate	1.34B	1.28B	1.43B	1.56B	1.8B
Other Receivables	2.29B	2.51B	2.65B	2.72B	3.03B
Restricted Cash	6.36B	3.99B	5.18B	4.67B	6.57B
Other Current Assets, Total	707M	491M	641M	907M	775M
Deferred Tax Assets Long-Term (Collected)	562M	629M	468M	266M	171M
Other Long-Term Assets, Total	783M	1B	743M	797M	986M
Total Assets	307B	324B	337B	354B	369B
Liabilities
Interest Bearing Deposits	115B	123B	137B	135B	136B
Non-Interest Bearing Deposits	126B	127B	112B	117B	125B
Total Deposits	241B	250B	248B	252B	261B
Short-Term Borrowings	3.52B	6.2B	9.25B	12.69B	10.37B
Current Portion of Long-Term Debt	6.3B	6.8B	5.38B	9.88B	10.1B
Current Portion of Leases	61M	58M	50M	46M	90M
Long-Term Debt	25.83B	29.11B	38.38B	42.01B	44.77B
Long-Term Leases	527M	604M	620M	645M	631M
Current Income Taxes Payable	144M	127M	265M	241M	323M
Other Current Liabilities - (Bank / Utility Template)	2.73B	2.22B	2.7B	2.06B	3.04B
Unearned Revenue Non Current	106M	116M	114M	124M	128M
Pension & Other Post Retirement Benefits	686M	582M	570M	521M	454M
Deferred Tax Liability Non-Current	18.7M	15.6M	14M	31M	52M
Other Non Current Liabilities	3.17B	3.14B	2.94B	3.16B	3.15B
Total Liabilities	284B	299B	309B	323B	334B
Common Stock, Total	860M	860M	843M	821M	821M
Additional Paid In Capital	-	1.48B	1.49B	1.52B	1.52B
Retained Earnings	14.93B	16.32B	18.14B	19.52B	21.68B
Comprehensive Income and Other	2.21B	687M	1.17B	1.28B	2.28B
Total Common Equity	18B	19.35B	21.65B	23.14B	26.3B
Minority Interest	5.52B	5.96B	6.85B	7.63B	8.37B
Total Equity	23.51B	25.3B	28.5B	30.77B	34.66B
Total Liabilities And Equity	307B	324B	337B	354B	369B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	405M	407M	399M	388M	388M
ECS Total Common Shares Outstanding	405M	407M	399M	388M	388M
Book Value / Share	38.87	42.02	48.19	52.68	58.75
Tangible Book Value	16.64B	18B	20.34B	21.75B	24.88B
Tangible Book Value Per Share	35.51	38.72	44.9	49.12	55.11
Total Debt	36.24B	42.77B	53.68B	65.27B	65.96B
Deposits at Interest - Cash	34.68B	31.17B	32.59B	20.81B	22.64B
Debt Equivalent of Unfunded Proj. Benefit Obligation	950M	781M	809M	740M	643M
Net Debt	-9.08B	3.28B	13.49B	33.68B	35.66B
Equity Method Investments, Total	211M	209M	241M	280M	465M
Full Time Employees	40.16K	41.04K	41.22K	41.04K	40.62K
Part Time Employees	7.23K	7.26K	7.55K	8.05K	8.4K
Number Of Offices	2.09K	2.03K	1.95K	1.87K	1.8K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.92B	2.16B	3B	3.12B	3.51B
Depreciation, Depletion & Amortization	351M	353M	385M	365M	354M
Amortization of Goodwill and Intangible Assets - (CF)	33M	30M	30M	17M	19M
Total Depreciation, Depletion & Amortization	384M	383M	415M	382M	373M
Amortization of Deferred Charges, Total	169M	170M	167M	166M	163M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	231M	532M	743M	-886M	1.42B
Total Asset Writedown	54M	41M	50M	6M	14M
Provision for Credit Losses	220M	324M	207M	427M	490M
Change in Trading Asset Securities	-711M	-2.52B	88M	-3.2B	2.46B
Change in Other Net Operating Assets (Collected)	-17.7B	-19.39B	-6.57B	-17.5B	-12.33B
Other Operating Activities	548M	608M	804M	787M	975M
Cash from Operations	-14.88B	-17.7B	-1.1B	-16.69B	-2.92B
Capital Expenditure	-548M	-479M	-528M	-746M	-753M
Sale of Property, Plant, and Equipment	97.2M	152M	44M	51M	62M
Cash Acquisitions	-7.2M	102M	-	-88M	-21M
Divestitures	-	-	-	28M	67M
Sale (Purchase) of Real Estate Properties (Collected)	-6.5M	-44.2M	-118M	-72M	-329M
Investment in Marketable and Equity Securities, Total	-18.9M	35.9M	3M	-21M	-25M
Other Investing Activities, Total	-	-	-	-2M	-1M
Cash from Investing	-483M	-233M	-599M	-850M	-1B
Issuance of Common Stock	-	-	-	-	1.01B
Repurchase of Common Stock	-497M	-	-	-255M	-205M
Common Dividends Paid	-756M	-754M	-869M	-1.22B	-1.34B
Common & Preferred Stock Dividends Paid	-756M	-754M	-869M	-1.22B	-1.34B
Net Increase (Decrease) in Deposit Accounts - (CF)	26.28B	8.88B	3.68B	7.66B	6.96B
Other Financing Activities, Total	-54.1M	-2.9M	-151M	-81M	-94M
Cash from Financing	24.98B	8.12B	2.66B	6.11B	6.33B
Foreign Exchange Rate Adjustments	43.4M	-5.7M	33M	-123M	34M
Miscellaneous Cash Flow Adjustments	-	-	-	-1M	1M
Net Change in Cash	9.66B	-9.81B	1B	-11.56B	2.44B
Supplemental Items
Cash Interest Paid	2.49B	5.55B	13.9B	15.81B	13.26B
Cash Income Tax Paid (Refund)	391M	548M	315M	807M	856M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.82	0.84	1.19	1.14	1.19
Return On Equity %	10.49	10.92	14.57	13.31	13.14
Return on Common Equity	10.05	11.05	14.14	13.36	13.64
Shareholders Value Added	-164M	-46M	568M	455M	563M
Margin Analysis
SG&A Margin	56.82	55.47	49.06	48.92	49.79
Net Interest Income / Total Revenues %	61.47	73.76	80.25	72.69	69.01
EBT Excl. Non-Recurring Items Margin %	39.42	38.92	47.28	46.37	47.14
Income From Continuing Operations Margin %	31.78	32.33	38.32	36.56	38.33
Net Income Margin %	25.38	26.25	29.3	28.96	31.3
Net Avail. For Common Margin %	23.43	25.03	28.33	27.74	30.06
Normalized Net Income Margin	18.24	18.24	20.53	21.39	22.43
Asset quality
Nonperforming Loans / Total Loans %	2.16	1.9	2.08	2.31	2.27
Nonperforming Loans / Total Assets %	1.42	1.3	1.42	1.61	1.56
Nonperforming Assets / Total Assets %	1.42	1.3	1.42	1.61	1.56
NPAs / Loans and OREO	2.16	1.91	2.08	2.31	2.27
NPAs / Equity	18.59	16.69	16.79	18.48	16.57
Allowance for Credit Losses / Net Charge-offs %	1.73K	1.25K	1.82K	1.25K	656.81
Allowance for Credit Losses / Nonperforming Loans %	88.3	92.94	83.97	71.83	68.86
Allowance for Credit Losses / Total Loans %	1.91	1.77	1.74	1.66	1.56
Provision for Loan Losses / Net Charge-offs %	71.12	95.11	57.92	121.78	79.4
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.04	5.92	6.2	6.48	6.84
Total Average Equity / Total Average Assets %	7.85	7.73	8.14	8.58	9.06
Total Equity + Allowance for Loan Losses / Total Loans %	10.8	10.5	11.14	11.06	11.96
Gross Loans / Total Deposits %	84.05	88.78	92.74	97.77	97
Net Loans / Total Deposits %	82.34	87.06	90.85	95.9	95.22
Tier 1 Capital Ratio %	16.5	16	17.4	17	21.7
Total Capital Ratio %	19.5	18.5	20	19.7	24.8
Core Tier 1 Capital Ratio	14.8	14.4	15.7	15.3	19.3
Tier 2 Capital Ratio	2.95	2.47	2.57	2.7	3.07
Coverage Ratio	90.71	94.42	85	72.33	69.56
Interbank Ratio	69.07	66.47	97.47	132.48	132.32
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	7.06	2.25	1.7	1.66	1.9
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.37	30.58	34.97	-4.47	-1.33
Non Interest Income, 1 Yr. Growth %	16.2	-19.98	-12.18	55.56	18.25
Provision For Loan Losses, 1 Yr. Growth %	-87.74	88.6	-57.33	210.16	20.4
Total Revenues, 1 Yr. Growth %	29.29	8.82	24.31	5.45	3.94
Earnings From Cont. Operations, 1 Yr. Growth %	134.85	10.72	47.02	0.59	8.98
Net Income, 1 Yr. Growth %	145.61	12.55	38.48	4.24	12.32
Normalized Net Income, 1 Yr. Growth %	110.22	8.84	39.61	9.63	10.32
Diluted EPS Before Extra, 1 Yr. Growth %	165.65	15.95	40.79	5.74	14.6
Dividend Per Share, 1 Yr. Growth %	6.67	18.75	42.11	11.11	-75
Gross Loans, 1 Yr. Growth %	6.71	9.48	3.96	6.77	2.85
Allowance For Loan Losses, 1 Yr. Growth %	-2.16	1.69	2.42	1.57	-3.09
Net Loans, 1 Yr. Growth %	6.91	9.58	3.84	6.92	2.94
Non Performing Loans, 1 Yr. Growth %	-3.66	-3.39	13.36	18.73	1.09
Non Performing Assets, 1 Yr. Growth %	-3.89	-3.39	13.3	18.83	1.02
Total Assets, 1 Yr. Growth %	10.83	5.35	4.1	4.92	4.19
Total Deposits, 1 Yr Growth %	12.72	3.64	-0.49	1.28	3.67
Tangible Book Value, 1 Yr. Growth %	4.11	8.21	12.97	6.97	14.39
Common Equity, 1 Yr. Growth %	3.81	7.5	11.89	6.87	13.67
Total Equity, 1 Yr. Growth %	4.92	7.62	12.63	7.95	12.66
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.55	16.18	32.76	13.55	-2.91
Non Interest Income, 2 Yr. CAGR %	5.91	-3.57	-16.46	16.88	35.63
Provision For Loan Losses, 2 Yr. CAGR %	101.27	-51.91	-10.22	15.04	93.25
Total Revenues, 2 Yr. CAGR %	2.43	18.62	16.19	14.5	4.69
Earnings From Cont. Operations, 2 Yr. CAGR %	12.26	61.25	27.6	21.61	4.7
Net Income, 2 Yr. CAGR %	14.38	66.26	24.85	20.14	8.2
Normalized Net Income, 2 Yr. CAGR %	6.78	51.26	23.26	23.86	9.32
Diluted EPS Before Extra, 2 Yr. CAGR %	13.56	75.5	27.77	22.01	10.08
Dividend Per Share, 2 Yr. CAGR %	-	12.55	29.9	25.66	-47.3
Gross Loans, 2 Yr. CAGR %	4.64	8.08	6.68	5.36	4.79
Allowance For Loan Losses, 2 Yr. CAGR %	11.33	-0.25	2.05	1.99	-0.79
Net Loans, 2 Yr. CAGR %	4.54	8.24	6.67	5.37	4.91
Non Performing Loans, 2 Yr. CAGR %	2.69	-3.52	4.65	16.02	9.56
Non Performing Assets, 2 Yr. CAGR %	2.63	-3.64	4.63	16.03	9.56
Total Assets, 2 Yr. CAGR %	11.86	8.05	4.72	4.51	4.56
Total Deposits, 2 Yr CAGR %	14.59	8.09	1.56	0.39	2.47
Tangible Book Value, 2 Yr. CAGR %	8.04	6.14	10.56	9.93	10.62
Common Equity, 2 Yr. CAGR %	7.34	5.64	9.67	9.35	10.22
Total Equity, 2 Yr. CAGR %	7.16	6.26	10.1	10.27	10.28
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.51	10.43	22.13	18.96	8.36
Non Interest Income, 3 Yr. CAGR %	4.32	-3.54	-6.74	2.78	17.34
Provision For Loan Losses, 3 Yr. CAGR %	38.9	96.96	-53.76	35.72	16.8
Total Revenues, 3 Yr. CAGR %	2.82	4.52	20.4	12.5	10.86
Earnings From Cont. Operations, 3 Yr. CAGR %	3.65	11.74	56.38	17.87	17.24
Net Income, 3 Yr. CAGR %	2.36	13.77	56.44	17.56	17.48
Normalized Net Income, 3 Yr. CAGR %	3.63	7.46	47.27	18.64	18.7
Diluted EPS Before Extra, 3 Yr. CAGR %	1.19	14.35	63.07	19.95	19.49
Dividend Per Share, 3 Yr. CAGR %	4.55	-	21.64	23.31	-26.64
Gross Loans, 3 Yr. CAGR %	5.87	6.23	6.69	6.71	4.51
Allowance For Loan Losses, 3 Yr. CAGR %	3.8	8.02	0.63	1.89	0.27
Net Loans, 3 Yr. CAGR %	5.93	6.2	6.75	6.75	4.55
Non Performing Loans, 3 Yr. CAGR %	-3.63	0.62	1.81	9.15	10.81
Non Performing Assets, 3 Yr. CAGR %	-6.62	0.58	1.71	9.16	10.8
Total Assets, 3 Yr. CAGR %	9.09	9.65	6.72	4.79	4.4
Total Deposits, 3 Yr CAGR %	10.72	10.82	5.15	1.46	1.47
Tangible Book Value, 3 Yr. CAGR %	8.94	8.1	8.37	9.35	11.4
Common Equity, 3 Yr. CAGR %	7.78	7.39	7.68	8.73	10.77
Total Equity, 3 Yr. CAGR %	7.61	7.31	8.34	9.38	11.06
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.06	6.71	14.35	11.67	11.42
Non Interest Income, 5 Yr. CAGR %	4.94	0.29	-4.55	4.02	8.33
Provision For Loan Losses, 5 Yr. CAGR %	-4.09	17.8	16.65	58.89	-18.07
Total Revenues, 5 Yr. CAGR %	2.67	4.26	7.97	8.36	13.85
Earnings From Cont. Operations, 5 Yr. CAGR %	9.4	9.84	12.64	15.59	33.19
Net Income, 5 Yr. CAGR %	8.75	10.46	10.82	16.28	34.99
Normalized Net Income, 5 Yr. CAGR %	3.45	8.44	11.08	13.74	30.78
Diluted EPS Before Extra, 5 Yr. CAGR %	7.32	10.44	11.09	17.36	39.35
Dividend Per Share, 5 Yr. CAGR %	9.86	9.63	14.04	-	-12.94
Gross Loans, 5 Yr. CAGR %	7.81	7.69	6.19	5.88	5.93
Allowance For Loan Losses, 5 Yr. CAGR %	-3.55	-0.31	3.1	5.57	0.06
Net Loans, 5 Yr. CAGR %	8.17	7.89	6.23	5.86	6.01
Non Performing Loans, 5 Yr. CAGR %	-8.14	-6.08	-0.4	6.52	4.84
Non Performing Assets, 5 Yr. CAGR %	-8.51	-6.6	-2.27	6.5	4.78
Total Assets, 5 Yr. CAGR %	8.1	7.98	7.32	7.56	5.85
Total Deposits, 5 Yr CAGR %	9.79	8.6	6.96	6.53	4.07
Tangible Book Value, 5 Yr. CAGR %	8.49	7.83	9.58	8.83	9.26
Common Equity, 5 Yr. CAGR %	7.63	6.88	8.53	8.17	8.69
Total Equity, 5 Yr. CAGR %	7.21	6.71	8.6	8.48	9.12