Financials Erste Group Bank AG

Equities

EBS

AT0000652011

Banks

Market Closed - Wiener Boerse Other stock markets 16:35:23 09/02/2026 GMT			5-day change	1st Jan Change
109.40 ^EUR	+2.24%		-0.82%	+6.32%

02-04	Poland - Factors to Watch February 4	RE
02-04	Santander Bank Polska's profit jumps, helped by lower provisions	RE

Projected Income Statement: Erste Group Bank AG

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	7,155	7,742	8,571	10,552	11,178	11,460	14,947	15,536
Change	-	8.2%	10.7%	23.11%	5.94%	2.52%	30.43%	3.93%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	2,935	3,436	3,996	5,532	5,900	5,804	8,285	8,729
Change	-	17.07%	16.31%	38.45%	6.64%	-1.62%	42.75%	5.36%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,368	2,933	3,222	4,795	4,997	5,208	6,963	7,494
Change	-	114.43%	9.85%	48.8%	4.22%	4.23%	33.68%	7.63%
Net income ¹	783.1	1,923	2,165	2,998	3,125	3,261	3,837	4,161
Change	-	145.6%	12.55%	38.48%	4.26%	4.33%	17.68%	8.45%
Announcement Date	26/02/21	28/02/22	28/02/23	29/02/24	28/02/25	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	1,869	1,829	1,962	1,944	2,007	2,036	2,110	2,124	2,300	2,499	2,662	2,692	2,699	2,788	2,734	2,798	2,859	2,802	2,866	2,919	2,989	2,945	3,020	-	-
Change	-	-2.18%	7.3%	-0.91%	3.22%	1.45%	3.64%	0.64%	8.28%	8.64%	6.55%	1.1%	0.27%	3.3%	-1.93%	2.34%	2.18%	-1.99%	2.28%	1.85%	2.4%	-1.46%	2.54%	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	771.9	725.3	962.4	906.3	841.5	801	1,060	1,028	1,106	1,257	1,432	1,489	1,354	1,505	1,468	1,536	1,390	1,458	1,505	1,556	1,448	-	-	-	-
Change	-	-6.04%	32.69%	-5.83%	-7.15%	-4.81%	32.37%	-3.04%	7.62%	13.58%	13.97%	3.97%	-9.09%	11.19%	-2.48%	4.63%	-9.54%	4.92%	3.22%	3.4%	-6.94%	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	289.6	565.1	870.1	847	651.2	610.1	1,049	754.9	808.3	1,003	1,433	1,284	1,075	1,284	1,308	1,394	1,011	1,182	1,400	1,395	1,263	-	-	-	-
Change	-	95.13%	53.97%	-2.65%	-23.12%	-6.31%	71.97%	-28.05%	7.07%	24.11%	42.88%	-10.46%	-16.27%	19.47%	1.88%	6.57%	-27.45%	16.92%	18.44%	-0.39%	-9.46%	-	-	-	-
Net income ¹	146	355.1	562.9	533.4	472	448.8	688.2	510	517.7	593.6	896.3	819.7	688	783.3	846	886	609.4	743.3	921.4	901	817	860.8	1,041	1,112	1,079
Change	-	143.22%	58.52%	-5.24%	-11.51%	-4.92%	53.34%	-25.89%	1.51%	14.66%	50.99%	-8.55%	-16.07%	13.85%	8%	4.73%	-31.22%	21.97%	23.96%	-2.21%	-9.32%	5.37%	20.98%	6.81%	-2.99%
Announcement Date	26/02/21	30/04/21	30/07/21	02/11/21	28/02/22	29/04/22	01/08/22	04/11/22	28/02/23	28/04/23	31/07/23	30/10/23	29/02/24	30/04/24	02/08/24	31/10/24	28/02/25	30/04/25	01/08/25	31/10/25	-	-	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2021 S1	2022 S1	2023 S1	2024 S1	2025 S1
Net sales ¹	3,791	4,147	5,161	5,522	5,668
Change	-	9.39%	24.46%	6.99%	2.65%
EBITDA	-	-	-	-	-
Change	-	-	-	-	-
EBIT ¹	1,688	1,861	2,689	2,974	2,963
Change	-	10.29%	44.46%	10.6%	-0.38%
Charge d'intérêts	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,435	1,659	2,436	2,592	2,583
Change	-	15.62%	46.85%	6.38%	-0.35%
Net income ¹	918	1,137	1,490	1,629	1,665
Change	-	23.86%	31.04%	9.34%	2.19%
Announcement Date	30/07/21	01/08/22	31/07/23	02/08/24	01/08/25

¹EUR in Million

Estimates

Forecast Balance Sheet: Erste Group Bank AG

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	26/02/21	28/02/22	28/02/23	29/02/24	28/02/25	-	-	-

Estimates

Cash Flow Forecast: Erste Group Bank AG

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	591	549.5	548	478.6	528	746
Change	-	-7.02%	-0.27%	-12.66%	10.32%	41.29%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	27/03/20	26/02/21	25/03/22	31/03/23	29/02/24	21/03/25

¹EUR in Million

Estimates

Forecast Financial Ratios: Erste Group Bank AG

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	41.01%	44.37%	46.62%	52.43%	52.78%	50.64%	55.43%	56.19%
EBT Margin (%)	-	19.12%	37.89%	37.6%	45.44%	44.7%	45.45%	46.58%	48.24%
Net margin (%)	-	10.95%	24.84%	25.26%	28.41%	27.96%	28.45%	25.67%	26.78%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.3%	0.66%	0.69%	0.91%	0.9%	0.83%	0.85%	0.86%
ROE	-	4.7%	10.89%	12.6%	15.54%	15.2%	14.37%	15.04%	14.91%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.5	1.6	1.9	2.7	3	0.7596	4.026	4.756
Change	-	-	220%	18.75%	42.11%	11.11%	-74.68%	429.99%	18.15%
Book Value Per Share ¹	-	34	42.76	42.02	45.6	59.61	58.34	64.24	70.16
Change	-	-	25.76%	-1.72%	8.51%	30.72%	-2.12%	10.11%	9.22%
EPS ¹	-	1.57	4.17	4.83	6.81	7.21	7.862	9.242	10.16
Change	-	-	165.61%	15.83%	40.99%	5.87%	9.04%	17.55%	9.9%
Nbr of stocks (in thousands)	-	405,571	405,443	407,195	403,381	410,514	388,356	388,356	388,356
Announcement Date	-	26/02/21	28/02/22	28/02/23	29/02/24	28/02/25	-	-	-