Business Segments Erste Group Bank AG

Stocks

EBS

AT0000652011

Banks

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102.90 ^EUR	+1.98%		+0.10%	-

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Sales 2025 by Business Segment

Sales 2025 by Geography

Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Breakdown by Business Segment (EUR)

Fiscal Period: December	2021	2022	2023	2024	2025
Diversified Commercial Banks
Retail	3.31B	3.89B	4.89B	4.9B	5.01B
Total Assets	71.41B	74.94B	77.13B	81.04B	88.18B
Income Tax Expense	218M	306M	424M	441M	438M
EBT	1.14B	1.56B	2.35B	2.22B	2.26B
D&A	270M	259M	266M	274M	296M
Operating Income	1.32B	1.79B	2.52B	2.37B	2.45B
Net Income	890M	1.22B	1.93B	1.75B	1.79B
Savings Banks	1.78B	1.78B	2.48B	2.4B	2.4B
Total Assets	78.54B	80.47B	81.59B	84.99B	89.56B
Income Tax Expense	168M	157M	261M	232M	220M
EBT	653M	614M	1.18B	1.03B	960M
D&A	82.1M	85.1M	84M	85M	87M
Operating Income	646M	700M	1.4B	1.32B	1.21B
Net Income	83.2M	56.9M	919M	102M	99M
Corporates	1.67B	2.07B	2.69B	2.42B	2.4B
Total Assets	64.74B	76.02B	80.49B	84.2B	88.86B
Income Tax Expense	215M	281M	374M	310M	314M
EBT	1.12B	1.43B	1.94B	1.64B	1.59B
D&A	63.8M	69.1M	70M	69M	74M
Operating Income	1.19B	1.59B	1.92B	1.87B	1.8B
Net Income	858M	1.08B	1.57B	1.27B	1.21B
Securities and Commodities Markets Services
Group Markets	601M	842M	824M	795M	853M
Total Assets	47.77B	47.66B	51.88B	47.4B	42.48B
Income Tax Expense	70.5M	113M	102M	99M	109M
EBT	336M	561M	528M	491M	532M
D&A	17.5M	13.5M	14M	15M	17M
Operating Income	369M	595M	560M	504M	544M
Net Income	261M	444M	426M	388M	417M
Foreign Banking and Branches Of Foreign Banks
Group Corporate Center	83.5M	109M	255M	412M	557M
Total Assets	3.6B	5.46B	3.97B	4.02B	3.53B
Income Tax Expense	-173M	-175M	-120M	-13M	40M
EBT	-203M	-165M	-69M	15M	229M
D&A	127M	134M	138M	97M	87M
Operating Income	-827M	-849M	-813M	-822M	-796M
Net Income	-32.9M	7.9M	51M	20M	164M
Investment Funds
Asset/Liability Management and Local Corporate Center	157M	-340M	-581M	-110M	-4M
Total Assets	84.05B	84.69B	85.7B	96.94B	98.28B
Income Tax Expense	27M	-125M	-166M	-17M	-19M
EBT	-109M	-770M	-1.14B	-398M	-172M
D&A	9.2M	10.8M	9M	11M	2M
Operating Income	31M	-545M	-859M	-260M	-136M
Net Income	-136M	-644M	-977M	-396M	-174M
Intragroup Elimination	-11.5M	-7.3M	-14M	-40M	-38M
Total Assets	-42.68B	-45.38B	-43.61B	-44.84B	-42.32B
D&A	-21.1M	-21.3M	-22M	-3M	-4M
Operating Income	708M	713M	798M	926M	1.01B

Geographical Revenue Distribution History

Geographical breakdown of sales (EUR)

Fiscal Period: December	2021	2022	2023	2024	2025
Austria	3.76B	3.89B	5.36B	5.03B	5.12B
Total Assets	199B	205B	210B	209B	211B
Income Tax Expense	378M	418M	642M	560M	541M
D&A	175M	160M	168M	175M	184M
Net Income	741M	779M	1.39B	1.84B	1.17B
EBT	1.55B	1.64B	2.87B	2.4B	2.39B
Operating Income	1.6B	1.85B	3.06B	2.89B	2.8B
Czech Republic	1.52B	1.9B	1.86B	2.14B	2.22B
Total Assets	66.04B	68B	72.72B	80.61B	84.11B
Income Tax Expense	145M	156M	133M	198M	204M
D&A	106M	111M	116M	110M	114M
Net Income	504M	758M	679M	949M	1.01B
EBT	649M	914M	812M	1.15B	1.21B
Operating Income	795M	1.08B	929M	1.16B	1.22B
Romania	665M	788M	956M	1.09B	1.08B
Total Assets	18.24B	19.97B	21.88B	24.29B	25.88B
Income Tax Expense	55.6M	72.7M	120M	87M	98M
D&A	43.8M	52.1M	50M	52M	54M
Net Income	236M	297M	383M	464M	521M
EBT	292M	370M	503M	551M	619M
Operating Income	371M	487M	546M	659M	657M
Hungary	467M	537M	765M	857M	863M
Total Assets	11.57B	12.72B	12.51B	12.18B	13.64B
Income Tax Expense	22.9M	25.6M	39M	56M	54M
D&A	45M	41.3M	35M	36M	41M
Net Income	156M	125M	265M	281M	301M
EBT	179M	151M	304M	337M	355M
Operating Income	252M	307M	494M	536M	536M
Slovakia	624M	639M	736M	800M	835M
Total Assets	23.16B	23.75B	26.47B	26.39B	28.01B
Income Tax Expense	75.4M	70.9M	88M	163M	152M
D&A	33.4M	34.6M	34M	34M	35M
Net Income	238M	249M	307M	275M	292M
EBT	313M	320M	395M	437M	444M
Operating Income	333M	364M	419M	460M	509M
Croatia	395M	491M	597M	598M	581M
Total Assets	12.26B	14.98B	14.75B	16.51B	17.63B
Income Tax Expense	30.9M	49.9M	52M	59M	50M
D&A	33.1M	32.6M	31M	30M	29M
Net Income	104M	120M	164M	239M	159M
EBT	182M	224M	292M	298M	282M
Operating Income	199M	209M	289M	300M	295M
Other	66.8M	-89.3M	29M	116M	323M
Total Assets	-25.96B	-23.67B	-24.92B	-19.4B	-16.21B
Income Tax Expense	-183M	-237M	-202M	-75M	-1M
D&A	106M	114M	117M	95M	84M
Net Income	-69.3M	-175M	-217M	-156M	24M
EBT	-250M	-410M	-413M	-231M	48M
Operating Income	-144M	-345M	-247M	-169M	-1M
Serbia	89.7M	92M	125M	147M	156M
Total Assets	2.81B	3.13B	3.41B	3.74B	4.02B
Income Tax Expense	1M	600K	3M	6M	6M
D&A	5.9M	5.9M	10M	15M	19M
Net Income	13.9M	11.2M	26M	47M	37M
EBT	18.4M	14.7M	35M	53M	52M
Operating Income	32.4M	37.5M	43M	60M	61M