)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Erste Group Bank (EBS) investor relations material
Erste Group Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Progressing toward first-time consolidation of Santander Polska by year-end 2025, with all competition authority approvals received and Polish regulator approval expected soon.
Strong operating performance in Q3 2025, with continued capital build and robust profitability driven by record net interest income and fee income.
Net profit for the first nine months of 2025 reached EUR 2,566 million, up 2.0% year-over-year.
Upgraded 2025 guidance for net interest income, cost-income ratio, and CET1 ratio, reflecting robust capital build and operational momentum.
Positive one-off in other result, though at a lower level than Q2 2025; higher banking taxes in Romania and Austria impacted results.
Financial highlights
Quarterly revenues exceeded EUR 2.9 billion for the first time, with net interest income near EUR 2 billion and fee income at almost EUR 800 million, both quarterly records.
Net profit for Q3 2025 rose 1.7% year-over-year to €921m; earnings per share at €2.20, return on tangible equity at 19.5%.
Net interest income for the first nine months rose to EUR 5,761 million (+3.0% year-over-year); net fee and commission income increased to EUR 2,340 million (+8.4%).
Cost/income ratio improved to 45.1% in Q3 2025, with operating expenses flat quarter-on-quarter but up 8% year-over-year.
CET1 ratio (pro forma) at 18.2%; total capital ratio at 23.0%; leverage ratio at 7.1%.
Outlook and guidance
2025 net interest income growth now expected to exceed 2%; fee income growth guidance remains above 5%.
Cost-income ratio for 2025 upgraded to about 48%; risk costs expected at 20 basis points; ROTE comfortably above 15%.
CET1 ratio expected above 18.5% at year-end 2025, prior to Santander Bank Polska consolidation.
Loan volumes expected to rise by more than 5% in 2025.
For 2026, combined entity targets ROTE of about 19% and EPS uplift of over 20%, with positive operating leverage anticipated.
How do banking levies impact 2025 results?
What factors boosted the CET1 ratio to 17.5%?
Explain the decline in net interest margin.
Polish acquisition: non-operational 2026 impacts?
Key drivers for 2026 cost inflation reduction?
NII growth sustainability: structural drivers?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Erste Group Bank earnings date
Q4 202513 Mar, 2026
Next Erste Group Bank earnings date
Q4 202513 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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.
)
Leroy DaleyApp Store
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
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.
Leroy DaleyApp Store
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Erste Group Bank AG is an Austrian bank and financial services providerEstablished in 1819 as the first Austrian savings bank, it has grown to become a significant player in Central and Eastern Europe. The bank's main activities include retail banking, where it offers a comprehensive range of products such as lending, deposit and investment products, current accounts, and credit cards. It also provides commercial and private banking solutions, including savings and current accounts, consumer and mortgage loans, credit and debit cards, insurance, leasing, and building society solutions. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
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.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage