Cash flow Erste Group Bank AG

Equities

EBS

AT0000652011

Banks

Market Closed - Wiener Boerse Other stock markets 16:35:29 09/03/2026 GMT			5-day change	1st Jan Change
94.05 ^EUR	-1.00%		-5.05%	-8.60%

03-03	AlphaValue/Baader Europe Boosts Erste Group Forecasts After Q4 2025 Results	MT
03-03	Erste Group: Factoring in the group's confirmed guidance

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Published financial data: ERSTE GROUP BANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	5.11B	5.11B	8.62B	15.04B	15.35B
Interest Income On Investments	19.9M	33.2M	29.1M	38M	39M
Interest Income, Total	5.13B	5.14B	8.65B	15.08B	15.39B
Interest On Deposits	621M	484M	2.57B	6.87B	7.55B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	621M	484M	2.57B	6.87B	7.55B
Net Interest Income	4.51B	4.66B	6.08B	8.21B	7.84B
Income From Trading Activities	138M	58.6M	-779M	754M	519M
Gain (Loss) on Sale of Assets	-	-	-	-194M	8M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.2M	-4.8M	-24.2M	-	-
Income (Loss) on Equity Invest. (Income Block)	10.4M	15.4M	18M	23M	27M
Total Other Non Interest Income	2.5B	3.01B	3.25B	1.57B	2.79B
Non Interest Income, Total	2.65B	3.08B	2.46B	2.15B	3.34B
Revenues Before Provison For Loan Losses	7.16B	7.74B	8.55B	10.36B	11.19B
Provision For Loan Losses	1.29B	159M	300M	128M	397M
Total Revenues	5.86B	7.58B	8.25B	10.23B	10.79B
Salaries And Other Employee Benefits	2.52B	2.54B	2.64B	2.95B	3.14B
Occupancy Expense	541M	548M	551M	560M	547M
Selling General & Admin Expenses, Total	1.16B	1.22B	1.39B	1.51B	1.59B
(Gain) Loss on Sale of Loans	-6.8M	7.6M	52M	13M	90M
Total Other Non Interest Expense	208M	277M	410M	362M	418M
Non Interest Expense, Total	4.42B	4.59B	5.04B	5.39B	5.79B
EBT, Excl. Unusual Items	1.44B	2.99B	3.21B	4.84B	5B
Impairment of Goodwill	-	-	-5.4M	-9M	-
Asset Writedown	-65.6M	-52.6M	-36M	-41M	-6M
Legal Settlements	-6.2M	-1.2M	54.3M	8M	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.37B	2.93B	3.22B	4.8B	5B
Income Tax Expense	342M	525M	556M	874M	1.05B
Earnings From Continuing Operations	1.03B	2.41B	2.67B	3.92B	3.94B
Net Income to Company	1.03B	2.41B	2.67B	3.92B	3.94B
Minority Interest	-242M	-485M	-502M	-923M	-819M
Net Income - (IS)	783M	1.92B	2.16B	3B	3.12B
Preferred Dividend and Other Adjustments	115M	148M	100M	99.07M	133M
Net Income to Common Incl Extra Items	669M	1.78B	2.06B	2.9B	2.99B
Net Income to Common Excl. Extra Items	669M	1.78B	2.06B	2.9B	2.99B
Per Share Items
Net EPS - Basic	1.57	4.17	4.83	6.81	7.2
Basic EPS - Continuing Operations	1.57	4.17	4.83	6.81	7.2
Basic Weighted Average Shares Outstanding	426M	426M	427M	426M	416M
Net EPS - Diluted	1.57	4.17	4.83	6.8	7.19
Diluted EPS - Continuing Operations	1.57	4.17	4.83	6.8	7.19
Diluted Weighted Average Shares Outstanding	426M	426M	427M	426M	416M
Normalized Basic EPS	1.54	3.24	3.52	4.93	5.55
Normalized Diluted EPS	1.54	3.24	3.52	4.93	5.55
Dividend Per Share	1.5	1.6	1.9	2.7	3
Payout Ratio	14.63	39.31	34.81	28.99	38.94
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	25.04	17.9	17.26	18.23	21.07
Total Current Taxes	346M	545M	578M	801M	848M
Total Deferred Taxes	-3.4M	-20.1M	-21.8M	73M	205M
Normalized Net Income	658M	1.38B	1.5B	2.1B	2.31B
Non-Cash Pension Expense	13M	6M	11M	28M	26M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	38.9M	32.9M	45M	58M
Total Stock-Based Compensation	-	38.9M	32.9M	45M	58M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	31.26B	39.14B	31.7B	31.51B	20.46B
Investment Securities, Total	41.37B	47.77B	53.12B	56.2B	65.71B
Trading Asset Securities, Total	6.5B	6.18B	7.79B	8.69B	11.14B
Total investments	47.87B	53.94B	60.91B	64.88B	76.85B
Gross Loans	190B	202B	222B	230B	246B
Allowance For Loan Losses	-3.94B	-3.86B	-3.92B	-4.02B	-4.08B
Other Adjustments to Gross Loans	-250M	-245M	-365M	-692M	-623M
Net Loans	185B	198B	217B	226B	241B
Gross Property Plant And Equipment	4.95B	5.2B	5.05B	5.03B	5.17B
Accumulated Depreciation	-2.4B	-2.56B	-2.34B	-2.33B	-2.3B
Net Property Plant And Equipment	2.55B	2.65B	2.71B	2.7B	2.88B
Goodwill	545M	550M	556M	544M	608M
Other Intangibles, Total	814M	812M	791M	769M	774M
Investment in Real Estate	1.28B	1.34B	1.28B	1.43B	1.56B
Other Receivables	1.52B	2.29B	2.51B	2.65B	2.72B
Restricted Cash	4.58B	6.36B	3.99B	5.18B	4.67B
Other Current Assets, Total	575M	707M	491M	641M	907M
Deferred Tax Assets Long-Term (Collected)	460M	562M	629M	468M	266M
Other Long-Term Assets, Total	455M	783M	1B	743M	797M
Total Assets	277B	307B	324B	337B	354B
Liabilities
Interest Bearing Deposits	104B	115B	123B	137B	135B
Non-Interest Bearing Deposits	110B	126B	127B	112B	117B
Total Deposits	214B	241B	250B	248B	252B
Short-Term Borrowings	4.42B	3.52B	6.2B	9.25B	12.69B
Current Portion of Long-Term Debt	4.88B	6.3B	6.8B	5.38B	9.88B
Current Portion of Leases	65M	61M	58M	50M	46M
Long-Term Debt	25.8B	25.83B	29.11B	38.38B	42.01B
Long-Term Leases	495M	527M	604M	620M	645M
Current Income Taxes Payable	58.5M	144M	127M	265M	241M
Other Current Liabilities - (Bank / Utility Template)	1.97B	2.73B	2.22B	2.7B	2.06B
Unearned Revenue Non Current	117M	106M	116M	114M	124M
Pension & Other Post Retirement Benefits	746M	686M	582M	570M	521M
Deferred Tax Liability Non-Current	20M	18.7M	15.6M	14M	31M
Other Non Current Liabilities	2.77B	3.17B	3.14B	2.94B	3.16B
Total Liabilities	255B	284B	299B	309B	323B
Common Stock, Total	860M	860M	860M	843M	821M
Additional Paid In Capital	1.48B	-	1.48B	1.49B	1.52B
Retained Earnings	13.77B	14.93B	16.32B	18.14B	19.52B
Comprehensive Income and Other	1.23B	2.21B	687M	1.17B	1.28B
Total Common Equity	17.34B	18B	19.35B	21.65B	23.14B
Minority Interest	5.07B	5.52B	5.96B	6.85B	7.63B
Total Equity	22.41B	23.51B	25.3B	28.5B	30.77B
Total Liabilities And Equity	277B	307B	324B	337B	354B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	408M	405M	407M	399M	388M
ECS Total Common Shares Outstanding	408M	405M	407M	399M	388M
Book Value / Share	35.78	38.87	42.02	48.19	52.68
Tangible Book Value	15.98B	16.64B	18B	20.34B	21.75B
Tangible Book Value Per Share	32.45	35.51	38.72	44.9	49.12
Total Debt	35.66B	36.24B	42.77B	53.68B	65.27B
Deposits at Interest - Cash	27.01B	34.68B	31.17B	32.59B	20.81B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.04B	950M	781M	809M	740M
Net Debt	-2.1B	-9.08B	3.28B	13.49B	33.68B
Equity Method Investments, Total	190M	211M	209M	241M	280M
Full Time Employees	41.37K	40.16K	41.04K	41.22K	41.04K
Part Time Employees	7.15K	7.23K	7.26K	7.55K	8.05K
Number Of Offices	2.19K	2.09K	2.03K	1.95K	1.87K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	783M	1.92B	2.16B	3B	3.12B
Depreciation, Depletion & Amortization	355M	351M	353M	385M	365M
Amortization of Goodwill and Intangible Assets - (CF)	31M	33M	30M	30M	17M
Total Depreciation, Depletion & Amortization	386M	384M	383M	415M	382M
Amortization of Deferred Charges, Total	159M	169M	170M	167M	166M
(Gain) Loss On Sale of Asset - (CF)	3.4M	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-188M	231M	532M	743M	-886M
Total Asset Writedown	69M	54M	41M	50M	6M
Provision for Credit Losses	1.43B	220M	324M	207M	427M
Change in Trading Asset Securities	-118M	-711M	-2.52B	88M	-3.2B
Change in Other Net Operating Assets (Collected)	-7.38B	-17.7B	-19.39B	-6.57B	-17.5B
Other Operating Activities	-30.2M	548M	608M	804M	787M
Cash from Operations	-4.89B	-14.88B	-17.7B	-1.1B	-16.69B
Capital Expenditure	-550M	-548M	-479M	-528M	-746M
Sale of Property, Plant, and Equipment	147M	97.2M	152M	44M	51M
Cash Acquisitions	-	-7.2M	102M	-	-88M
Divestitures	-	-	-	-	28M
Sale (Purchase) of Real Estate Properties (Collected)	-39.6M	-6.5M	-44.2M	-118M	-72M
Investment in Marketable and Equity Securities, Total	90.2M	-18.9M	35.9M	3M	-21M
Other Investing Activities, Total	-	-	-	-	-2M
Cash from Investing	-352M	-483M	-233M	-599M	-850M
Issuance of Common Stock	1.24B	-	-	-	-
Repurchase of Common Stock	-	-497M	-	-	-
Common Dividends Paid	-115M	-756M	-754M	-869M	-1.22B
Common & Preferred Stock Dividends Paid	-115M	-756M	-754M	-869M	-1.22B
Net Increase (Decrease) in Deposit Accounts - (CF)	29.38B	26.28B	8.88B	3.68B	7.66B
Other Financing Activities, Total	-1.6M	-54.1M	-2.9M	-151M	-336M
Cash from Financing	30.51B	24.98B	8.12B	2.66B	6.11B
Foreign Exchange Rate Adjustments	-123M	43.4M	-5.7M	33M	-123M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-1M
Net Change in Cash	25.15B	9.66B	-9.81B	1B	-11.56B
Supplemental Items
Cash Interest Paid	2.58B	2.49B	5.55B	13.9B	15.81B
Cash Income Tax Paid (Refund)	439M	391M	548M	315M	807M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.39	0.82	0.84	1.19	1.14
Return On Equity %	4.78	10.49	10.92	14.57	13.31
Return on Common Equity	4.06	10.05	11.05	14.14	13.36
Shareholders Value Added	-1.16B	-164M	-46M	568M	455M
Margin Analysis
SG&A Margin	72	56.82	55.47	49.06	48.92
Net Interest Income / Total Revenues %	76.89	61.47	73.76	80.25	72.69
EBT Excl. Non-Recurring Items Margin %	24.56	39.42	38.92	47.28	46.37
Income From Continuing Operations Margin %	17.49	31.78	32.33	38.32	36.56
Net Income Margin %	13.36	25.38	26.25	29.3	28.96
Net Avail. For Common Margin %	11.41	23.43	25.03	28.33	27.74
Normalized Net Income Margin	11.22	18.24	18.24	20.53	21.39
Asset quality
Nonperforming Loans / Total Loans %	2.39	2.16	1.9	2.08	2.31
Nonperforming Loans / Total Assets %	1.63	1.42	1.3	1.42	1.61
Nonperforming Assets / Total Assets %	1.64	1.42	1.3	1.42	1.61
NPAs / Loans and OREO	2.4	2.16	1.91	2.08	2.31
NPAs / Equity	20.3	18.59	16.69	16.79	18.48
Allowance for Credit Losses / Net Charge-offs %	2.31K	1.73K	1.25K	1.82K	1.19K
Allowance for Credit Losses / Nonperforming Loans %	86.94	88.3	92.94	83.97	71.83
Allowance for Credit Losses / Total Loans %	2.08	1.91	1.77	1.74	1.66
Provision for Loan Losses / Net Charge-offs %	758.08	71.12	95.11	57.92	115.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.3	6.04	5.92	6.2	6.48
Total Average Equity / Total Average Assets %	8.2	7.85	7.73	8.14	8.58
Total Equity + Allowance for Loan Losses / Total Loans %	11.22	10.8	10.5	11.14	11.06
Gross Loans / Total Deposits %	88.78	84.05	88.78	92.74	97.77
Net Loans / Total Deposits %	86.82	82.34	87.06	90.85	95.9
Tier 1 Capital Ratio %	16.8	16.5	16	17.4	17
Total Capital Ratio %	20	19.5	18.5	20	19.7
Core Tier 1 Capital Ratio	14.5	14.8	14.4	15.7	15.3
Tier 2 Capital Ratio	3.26	2.95	2.47	2.57	2.7
Coverage Ratio	88.43	90.71	94.42	85	72.33
Interbank Ratio	91.26	69.07	66.47	97.47	132.48
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.2	7.06	2.25	1.7	1.66
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.23	3.37	30.58	34.97	-4.47
Non Interest Income, 1 Yr. Growth %	-3.48	16.2	-19.98	-12.18	55.56
Provision For Loan Losses, 1 Yr. Growth %	3.2K	-87.74	88.6	-57.33	210.16
Total Revenues, 1 Yr. Growth %	-18.85	29.29	8.82	24.31	5.45
Earnings From Cont. Operations, 1 Yr. Growth %	-46.34	134.85	10.72	47.02	0.59
Net Income, 1 Yr. Growth %	-46.73	145.61	12.55	38.48	4.24
Normalized Net Income, 1 Yr. Growth %	-45.76	110.22	8.84	39.61	9.63
Diluted EPS Before Extra, 1 Yr. Growth %	-51.45	165.65	15.95	40.79	5.74
Dividend Per Share, 1 Yr. Growth %	-	6.67	18.75	42.11	11.11
Gross Loans, 1 Yr. Growth %	2.61	6.71	9.48	3.96	6.77
Allowance For Loan Losses, 1 Yr. Growth %	26.67	-2.16	1.69	2.42	1.57
Net Loans, 1 Yr. Growth %	2.24	6.91	9.58	3.84	6.92
Non Performing Loans, 1 Yr. Growth %	9.46	-3.66	-3.39	13.36	18.73
Non Performing Assets, 1 Yr. Growth %	9.59	-3.89	-3.39	13.3	18.83
Total Assets, 1 Yr. Growth %	12.9	10.83	5.35	4.1	4.92
Total Deposits, 1 Yr Growth %	16.5	12.72	3.64	-0.49	1.28
Tangible Book Value, 1 Yr. Growth %	12.12	4.11	8.21	12.97	6.97
Common Equity, 1 Yr. Growth %	11	3.81	7.5	11.89	6.87
Total Equity, 1 Yr. Growth %	9.44	4.92	7.62	12.63	7.95
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.59	1.55	16.18	32.76	13.55
Non Interest Income, 2 Yr. CAGR %	-1.16	5.91	-3.57	-16.46	16.88
Provision For Loan Losses, 2 Yr. CAGR %	367.46	101.27	-51.91	-10.22	15.04
Total Revenues, 2 Yr. CAGR %	-8.31	2.43	18.62	16.19	14.5
Earnings From Cont. Operations, 2 Yr. CAGR %	-31.14	12.26	61.25	27.6	21.61
Net Income, 2 Yr. CAGR %	-33.92	14.38	66.26	24.85	20.14
Normalized Net Income, 2 Yr. CAGR %	-27.24	6.78	51.26	23.26	23.86
Diluted EPS Before Extra, 2 Yr. CAGR %	-37.54	13.56	75.5	27.77	22.01
Dividend Per Share, 2 Yr. CAGR %	3.51	-	12.55	29.9	25.66
Gross Loans, 2 Yr. CAGR %	5.45	4.64	8.08	6.68	5.36
Allowance For Loan Losses, 2 Yr. CAGR %	6.91	11.33	-0.25	2.05	1.99
Net Loans, 2 Yr. CAGR %	5.45	4.54	8.24	6.67	5.37
Non Performing Loans, 2 Yr. CAGR %	-3.62	2.69	-3.52	4.65	16.02
Non Performing Assets, 2 Yr. CAGR %	-7.95	2.63	-3.64	4.63	16.03
Total Assets, 2 Yr. CAGR %	8.23	11.86	8.05	4.72	4.51
Total Deposits, 2 Yr CAGR %	9.73	14.59	8.09	1.56	0.39
Tangible Book Value, 2 Yr. CAGR %	11.43	8.04	6.14	10.56	9.93
Common Equity, 2 Yr. CAGR %	9.82	7.34	5.64	9.67	9.35
Total Equity, 2 Yr. CAGR %	8.98	7.16	6.26	10.1	10.27
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.82	3.51	10.43	22.13	18.96
Non Interest Income, 3 Yr. CAGR %	2.95	4.32	-3.54	-6.74	2.78
Provision For Loan Losses, 3 Yr. CAGR %	114.05	38.9	96.96	-53.76	35.72
Total Revenues, 3 Yr. CAGR %	-4.33	2.82	4.52	20.4	12.5
Earnings From Cont. Operations, 3 Yr. CAGR %	-14.97	3.65	11.74	56.38	17.87
Net Income, 3 Yr. CAGR %	-15.89	2.36	13.77	56.44	17.56
Normalized Net Income, 3 Yr. CAGR %	-13.14	3.63	7.46	47.27	18.64
Diluted EPS Before Extra, 3 Yr. CAGR %	-18.9	1.19	14.35	63.07	19.95
Dividend Per Share, 3 Yr. CAGR %	7.72	4.55	-	21.64	23.31
Gross Loans, 3 Yr. CAGR %	7.43	5.87	6.23	6.69	6.71
Allowance For Loan Losses, 3 Yr. CAGR %	-0.35	3.8	8.02	0.63	1.89
Net Loans, 3 Yr. CAGR %	7.66	5.93	6.2	6.75	6.75
Non Performing Loans, 3 Yr. CAGR %	-7.75	-3.63	0.62	1.81	9.15
Non Performing Assets, 3 Yr. CAGR %	-8.52	-6.62	0.58	1.71	9.16
Total Assets, 3 Yr. CAGR %	7.93	9.09	9.65	6.72	4.79
Total Deposits, 3 Yr CAGR %	8.94	10.72	10.82	5.15	1.46
Tangible Book Value, 3 Yr. CAGR %	8.97	8.94	8.1	8.37	9.35
Common Equity, 3 Yr. CAGR %	7.72	7.78	7.39	7.68	8.73
Total Equity, 3 Yr. CAGR %	7.01	7.61	7.31	8.34	9.38
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.05	1.06	6.71	14.35	11.67
Non Interest Income, 5 Yr. CAGR %	-0.19	4.94	0.29	-4.55	4.02
Provision For Loan Losses, 5 Yr. CAGR %	12.17	-4.09	17.8	16.65	58.89
Total Revenues, 5 Yr. CAGR %	-1.87	2.67	4.26	7.97	8.36
Earnings From Cont. Operations, 5 Yr. CAGR %	-4.27	9.4	9.84	12.64	15.59
Net Income, 5 Yr. CAGR %	-4.15	8.75	10.46	10.82	16.28
Normalized Net Income, 5 Yr. CAGR %	-2.51	3.45	8.44	11.08	13.74
Diluted EPS Before Extra, 5 Yr. CAGR %	-7.12	7.32	10.44	11.09	17.36
Dividend Per Share, 5 Yr. CAGR %	24.57	9.86	9.63	14.04	-
Gross Loans, 5 Yr. CAGR %	6.74	7.81	7.69	6.19	5.88
Allowance For Loan Losses, 5 Yr. CAGR %	-8.13	-3.55	-0.31	3.1	5.57
Net Loans, 5 Yr. CAGR %	7.3	8.17	7.89	6.23	5.86
Non Performing Loans, 5 Yr. CAGR %	-13.41	-8.14	-6.08	-0.4	6.52
Non Performing Assets, 5 Yr. CAGR %	-13.61	-8.51	-6.6	-2.27	6.5
Total Assets, 5 Yr. CAGR %	6.79	8.1	7.98	7.32	7.56
Total Deposits, 5 Yr CAGR %	8.75	9.79	8.6	6.96	6.53
Tangible Book Value, 5 Yr. CAGR %	10.86	8.49	7.83	9.58	8.83
Common Equity, 5 Yr. CAGR %	9.52	7.63	6.88	8.53	8.17
Total Equity, 5 Yr. CAGR %	8.64	7.21	6.71	8.6	8.48