Erste Group Bank (EBS) AGM 2026 presentation summary

Macroeconomic environment and outlook

• CEE region continues to outpace Western Europe in GDP growth, with robust labor markets and moderate growth in Austria after recession years.

• Inflation trends remain sensitive to geopolitical developments, impacting asset quality.

Business growth and segment performance

• Customer loan growth exceeds 6%, with deposits also rising across all core markets.

• Loan-to-deposit ratio remains stable, supporting healthy balance sheet dynamics.

Revenue and profitability

• Operating revenues increased by 4.3%, driven by higher net interest and fee income.

• Operating result reached a historic high of EUR 6.1bn, with a cost/income ratio of 47.9%.

• Net result rose 4.3% to EUR 3.51bn, reflecting strong operating performance and one-off effects.