BKS Bank (BKS) investor relations material

Unique business model and market presence

• Independent, stock-listed universal bank with €11bn in assets and ~€900mn market cap, operating in Austria and CEE countries with 63 branches and a fully digitalized product range.

• Premium banking services for ~28,000 corporate and ~167,000 retail clients, emphasizing sustainability and ESG leadership.

• Offers a full suite of services: corporate and retail banking, asset management, private banking, treasury, insurance, leasing, and custodian services.

Financial performance and stability

• Maintains strong capital ratios (CET1 15.0% in FY25), stable S&P ratings (BBB+), and a diversified shareholder structure.

• Operating income and pre-tax results have grown steadily, with disciplined cost management and risk controls.

• Net interest income slightly declined but was offset by growth in fees and commissions, supported by a €250mn senior bond issue.

• Diverse loan portfolio by geography, borrower, interest rate, and currency, with a weighted average maturity of 8 years.

• Conservative risk approach with low NPL ratio, high coverage, and resilient real estate portfolio with low average LTV.

Growth drivers and market opportunities

• Positioned for growth in Austria and CEE, benefiting from economic catalysts like the Koralm Tunnel and above-average GDP growth in foreign markets.

• Rising loan volumes and expanding client base, with increasing demand for private pensions and securities ownership.

• Enhanced international presence and capital market activity, with increased issuance of bonds and private placements.