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BTV Vier Länder Bank
BTV Vier Länder Bank (BTS) investor relations material
BTV Vier Länder Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary29 May, 2026
Executive summary
Period profit before tax rose by €5.4m to €75.5m, and after tax by €1.8m to €59.7m year-over-year.
Balance sheet total increased by 3.3% to €16.43bn since year-end 2025.
Strong capital position with equity up €64m to €2.7bn and CET1 ratio at 16.5%.
Cost-income ratio improved to 47.0% from 48.8% year-over-year.
Financial highlights
Net interest income fell by 6.3% to €57.1m; risk provisions in lending were €-0.3m (prior year: €1.2m release).
Net fee and commission income increased by 5.5% to €17.7m, mainly from securities business.
At-equity income rose 28.2% to €21.3m.
Other operating income up 15.2% to €48.7m, driven by consolidated cable car operations.
Operating expenses rose 2.7% to €68.2m, with personnel costs up €1.0m.
Outlook and guidance
Full-year pre-tax group profit expected in the range of €165–185m.
Ongoing geopolitical and economic uncertainties, especially from the Russia-Ukraine war, Middle East conflict, and US trade policy, pose estimation risks, particularly for credit risk.
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Latest events from BTV Vier Länder Bank
- Net profit before tax up 17% to €203.5m, with improved capital and strong segment results.BTS
Q2 202425 Jun 2026 - Net profit up 14.5% to €198.2m, with strong capital and segment growth amid ongoing risks.BTSQ3 202425 Jun 2026
- Record profit, strong capital, legal clarity, but higher NPLs and cautious 2025 outlook.BTSQ4 202425 Jun 2026
- Q1 2025 net profit fell 19.6% to €58.0m; CET1 ratio 15.0%; outlook cautious amid macro risks.BTSQ1 202525 Jun 2026
- Net profit before tax dropped 31.5% year-over-year, but capital and loan growth stayed strong.BTSQ2 202525 Jun 2026
- Net profit before tax dropped 30.1% year-over-year to €166.2m, with robust capital ratios.BTSQ3 202525 Jun 2026
- Net profit fell 30% to €157.7m, but capital strength and sustainability initiatives advanced.BTSQ4 202525 Jun 2026
Next BTV Vier Länder Bank earnings date
Q2 202627 Aug, 2026
BTV Vier Länder Bank
Next BTV Vier Länder Bank earnings date
Q2 202627 Aug, 2026
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