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Erste Group Bank (EBS) investor relations material
Erste Group Bank Q2 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 (Media) earnings summary1 Aug, 2025
Executive summary
Entered Polish market with acquisition of 49% of Santander Bank Polska, the largest cross-border M&A since 2014 and the group's biggest foreign transaction.
Net profit for H1 2025 reached EUR 1,665 million, up 2.2% year-over-year, with strong net interest and fee income growth across all core markets.
Operating income increased by 2.7% in H1 2025, driven by higher net interest income and fee business.
Group now operates in eight countries, with two-thirds of customers outside Austria.
Focus on digitalization, asset management, and capital market infrastructure across Central and Eastern Europe.
Financial highlights
Net interest income up 2.7% year-over-year; net fee income up 8.3% year-over-year.
Net profit for Q2 25 reached €921m, up 24% sequentially and 8.9% year-over-year.
Asset management AUM reached nearly €96 billion, with expectations to surpass €100 billion if markets remain positive.
Cost/income ratio stood at 47.7% in H1 2025; improved to 45.1% in Q2 25.
Loan and deposit growth balanced; loan-to-deposit ratio at a healthy 90%.
Outlook and guidance
2025 guidance upgraded: loan growth >5%, NII >0%, fee growth >5%, cost/income ratio <50%, risk costs ~20bps, ROTE >15%.
CET1 ratio target raised to >18.25% ahead of Santander Polska consolidation; 2026 target confirmed at >14.25%.
Dividend payout capped at up to 10% of net profit for 2025, with plans to return to normal policy thereafter.
Cautious optimism for further improvement in Austria and continued strong performance in CEE.
Risk costs guidance tightened to about 20 basis points.
Polish market share growth strategy?
Dividend policy beyond 2025?
Impact of bank taxes on growth strategy?
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Next Erste Group Bank earnings date
Q3 202531 Oct, 2025
Next Erste Group Bank earnings date
Q3 202531 Oct, 2025
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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.
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