Erste Group Bank AG

Erste Group Bank AG

EBKDY
Erste Group Bank AGUS flagOther OTC
59.70
USD
+1.15
- -
93.24BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.49
8
7.95
8.08
7.94
8.1
8.51
8.41
8.91
9.83
12.11
13.1
14.38
13.99
Basic EPS, GAAP
-0.03
-1.62
1.13
1.46
1.47
2.01
1.62
0.78
2.26
2.54
3.52
3.76
4.29
3.95
Free Cash Flow per Basic Share
-0.55
-2.72
5.34
6.48
3.33
-4.04
-7.95
28.08
12.73
-10.88
2.42
-11.75
4.02
3.28
Dividend per Share
0.36
0.2
0.05
0.26
0.55
0.67
0.78
0.13
0.89
0.88
1.02
1.46
1.64
0.09
Book Value per Share
5.21
10.5
11.64
12.29
13.36
13.95
14.83
15.39
16.75
18.31
20.83
22.76
26.04
24.32
Tangible Book Value per Share
14.92
14.04
16.81
17.83
19.64
20.34
22.4
24.69
25.98
28.05
31.91
35.33
40.65
39.04
Basic Weighted Avg Shares
823
855
853
853
853
853
853
853
852
854
852
832
818
800
Sales/Revenue/Turnover
6,988
6,838
6,788
6,897
6,779
6,910
7,257
7,167
7,599
8,396
10,318
10,894
11,761
11,186
Operating Margin (%)
5.36
-11.75
24.15
28.28
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
972
1,612
567
622
558
571
738
614
607
594
632
554
550
554
Net Income, GAAP
60
-1,383
968
1,265
1,316
1,793
1,470
783
1,923
2,165
2,998
3,125
3,510
3,159
Effective Tax Rate (%)
47.18
- -
22.2
21.21
19.73
13.32
17.97
25.04
17.9
17.26
18.23
21.07
20.43
21.05
Profit Margin (%)
0.86
-20.22
14.26
18.34
19.42
25.96
20.26
10.93
25.31
25.79
29.06
28.69
29.84
28.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
33,124
31,139
29,653
27,192
25,096
29,738
30,886
31,236
32,718
36,565
44,427
52,579
55,593
55,518
Total Equity
14,722
13,444
14,809
16,602
18,288
18,869
20,477
22,410
23,513
25,305
28,501
30,768
34,664
32,602
Return on Invested Capital (%)
0.4
- -
2.86
3.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-0.43
-20.85
10.24
12.23
11.47
14.73
11.22
5.19
14.03
14.47
17.96
17.04
17.45
17.08

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
388
388
388
Market Capitalization
24,043
25,890
28,926

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
42,749
40,969
41,683
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.92%
9.16%
12.66%
Free Cash Flow
-167.56%
-214.2%
-133.62%
Net Income, GAAP
21.94%
42.64%
12.32%
Sales/Revenue/Turnover
5.86%
10.59%
7.96%
Total Cash Common Dividend
378,041.49%
755,993.1%
10.44%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,781
2,728
2,771
2,782
10,894
2025
2,790
2,843
3,028
- -
11,761
2026
3,792
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.93
1.06
1.07
0.78
3.76
2025
0.91
1.19
1.22
- -
4.29
2026
1.07
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.09
1.46
2025
- -
- -
0.13
- -
1.64
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Peter Bosek
Full Time Employees
45,856
Sector
Financial Services
Industry
Banks - Regional
Address
Erste Campus Vienna Austria 1100
IPO Date
Jan 5, 2010
Business
Erste Group Bank AG is a Central and Eastern European financial services provider headquartered in Vienna, Austria, and founded in 1819. The company offers a comprehensive range of banking products and services including retail banking, corporate banking, private banking, investment banking, institutional banking, and asset/liability management. Its core product offerings encompass mortgage and consumer loans, current accounts, savings products, credit cards, leasing, insurance, building society products, factoring, accounts receivable purchasing, investment and acquisition finance, project and commercial real estate finance, interest rate and currency hedging, letters of credit, documentary collections and guarantees, cash management, trade finance, custody and brokerage services, and debt and equity capital market services. Erste Group operates primarily in Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia. In the last two years, Erste Group has made significant strategic expansions including acquiring a 49% controlling stake in Santander Bank Polska and 50% in Santander TFI as part of its investment to enhance growth in Central and Eastern Europe. The company reported strong financial performance in 2024 and 2025, with operating results of approximately 5.9 billion euros in 2024, reflecting growth in customer business and rising loan volumes, particularly in the CEE region. It achieved a net profit of 3.1 billion euros in 2024 and a net profit of 2.57 billion euros for the first nine months of 2025. The bank maintains a strong capital position with a Common Equity Tier 1 ratio above 15%, supporting ongoing dividend payments and share buyback programs. Erste Group continues to focus on expanding its market presence, capitalizing on interest rate trends to boost lending, and strengthening its digital and traditional banking services across its markets. Erste Group Bank AG serves approximately 15.7 million clients through 2,044 branches and employs over 44,700 personnel. Its customer base ranges from individual retail clients to small and medium-sized enterprises, corporations, and public-sector entities. The company also supports corporate customers with financing, investment advisory, hedging solutions, and access to international capital markets. This combination of broad product range and recent strategic acquisitions positions Erste Group Bank AG as a leading financial institution in Central and Eastern Europe with a strong focus on sustained growth, capital strength, and diversified customer services across multiple banking segments and countries.

Company News

APIChat
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