)

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.
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.
Next BAWAG Group earnings date

Next BAWAG Group earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage