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BAWAG Group
BAWAG Group (BG) investor relations material
BAWAG Group Q4 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 TU earnings summary20 Jan, 2026
Executive summary
On track to exceed 2025 financial targets, with strong loan growth and stable deposit volumes.
Positive trends in net interest income and core revenues, supported by robust consumer and SME activity.
Financial highlights
Net interest income expected to surpass €1,800m in 2025, up from €1,312m in FY '24.
Net profit target set above €800m for 2025, compared to €760m in FY '24.
Core revenues projected to exceed €2,150m, up from €1,622m in FY '24.
Earnings per share target above €10.0, compared to €9.60 in FY '24.
Outlook and guidance
Net interest margin guidance at 325-330 bps, expected to remain stable in Q4'25.
Operating expenses for Q4'25 expected to be below €200m.
Risk costs for FY 2025 guided at ~40bps, with specific €8m exposure addressed in Q4'25.
Regulatory charges estimated at ~€10m for Q4'25.
Impact of €75m share buyback on Q4'25 capital
Implication of First Brands €8m exposure
Rationale for investment book reductions
Partial view of Summaries dataset, powered by Quartr API
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Next BAWAG Group earnings date
Q4 20254 Mar, 2026
BAWAG Group
Next BAWAG Group earnings date
Q4 20254 Mar, 2026
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Frequently asked questions
BAWAG Group AG is an Austria-based bank holding company that provides a wide range of financial products and services. Its offerings cater to retail, small business, and corporate customers, encompassing comprehensive savings, payment solutions, corporate lending, investment, and leasing services. The group operates through a multi-brand and multi-channel strategy, serving approximately 2.1 million customers across key markets in Austria, Germany, Switzerland, the Netherlands, other parts of Western Europe, and the United States. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.
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