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Investor Relations14 Oct 2025
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BAWAG Group (BG) investor relations material
BAWAG Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net profit reached €210M in Q2 2025, with EPS of €2.65 and ROTCE of 27.6%, up 5% sequentially.
Operating performance remained solid, supported by strong asset quality and disciplined capital management.
Balance sheet remains robust with €15B in cash, LCR at 237%, and NPL ratio at 0.7%.
Regulatory approval for €175M share buyback; CET1 ratio at 13.5% post-buyback and dividend accrual.
Integrations of Knab and Barclays Consumer Bank Europe are progressing on schedule, with full integration targeted by year-end.
Financial highlights
Q2 2025 core revenues were €547.9M, up 40% year-over-year; net interest income grew 45% to €457.6M.
Operating income for Q2 was €552M, up 41% year-over-year; pre-provision profit at €345M.
Cost-income ratio at 37.5%; risk costs at €52M (0.37%); NPL ratio at 0.7%.
Retail & SME: Q2 net profit €173M, up 32% year-over-year; Corporates, Real Estate & Public Sector: Q2 net profit €38M.
Tangible book value per share rose 4% to €39.54.
Outlook and guidance
Full-year 2025 net profit target reconfirmed at over €800M, EPS above €10, and ROTCE above 20%.
Core revenues expected to exceed €2,150M; net interest income above €1,800M.
Operating expenses forecasted at approximately €800M for 2025; risk cost ratio expected at ~40bps.
CET1 ratio target of 12.5% for 2025, well above regulatory requirements.
Management remains patient and disciplined amid a "frothy" credit market.
Explain the drivers behind the 40% core revenue increase.
Discuss the integration progress of recent acquisitions.
What is the plan for the €15 billion cash position?
When will BAWAG reinitiate M&A activity?
How sensitive is NII to further rate cuts?
Detail deposit trends across regions.
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Next BAWAG Group earnings date
Q3 202522 Oct, 2025
Next BAWAG Group earnings date
Q3 202522 Oct, 2025
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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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