Oberbank (OBS) Investor presentation summary

Company profile and market position

• Operates 161 branches across Austria, Germany, Czech Republic, Hungary, and Slovakia, ranking as the 7th largest bank in Austria by assets at €29.4 billion.

• Employs 2,133 staff (FTEs) and maintains a strong regional focus, especially in Austria and Germany.

• Has a history of over 150 years, with significant expansion in Central Europe since the 1980s.

Financial performance and stability

• Reported profit before tax of €118.8 million in Q1 2026, with a cost-income ratio of 43.5% and RoE before tax of 10.8%.

• Maintains a total capital ratio of 21.7% and a CET1 ratio of 19.89%, exceeding regulatory requirements.

• Long-term issuer rating of A- (stable) and AAA rating for mortgage-backed cover pool by S&P.

• Stable cost structure with a declining cost-to-income ratio, reaching 39.7% in 2025.

Lending, risk, and regional focus

• Lending volume has shown consistent growth, with both retail and corporate loans increasing annually.

• Loan distribution is concentrated in Austria (62%) and Germany (21%), with smaller shares in Czech Republic, Hungary, and Slovakia.

• NPL ratio improved to 2.78% in 2025, with loan loss provisions remaining controlled.