Oberbank (OBS) Investor presentation summary

Company profile and market position

• Operates in five countries with 161 branches, ranking as the 7th largest bank in Austria by assets at €29.4 billion as of June 2026.

• Employs 2,130 FTEs and maintains a strong regional focus in Austria, Germany, Czech Republic, Hungary, and Slovakia.

• Has a stable and independent ownership structure, with significant employee participation and a free float of 34.85%.

Historical growth and expansion

• Founded in 1869, expanded into Germany (1990), Czech Republic (2004), Hungary (2007), and Slovakia (2009).

• Celebrated 40 years of independence and 150 years of operation in recent years.

• Opened new branches in key German cities, including Dortmund (2024) and Essen (2025).

Financial performance and stability

• Profit before tax for Q2 2026 reached €251.7 million, up €16.9 million year-over-year.

• Cost-income ratio improved to 42.4%, and RoE before tax was 11.3%.

• Maintains a long-term S&P issuer rating of A- (stable) and a AAA rating for its mortgage-backed cover pool.

• Total capital ratio stands at 20.89%, well above regulatory requirements.