Full Year 2025 Erste Group Bank AG Earnings Call Transcript

Feb 26, 2026 / 08:00 AM GMT

Release Date Price: $121.77 (-0.33%)

Transcript

Key Points

Positve

Erste Group Bank AG. (EBKDY) achieved record revenues in 2025, driven by strong net interest income and net fee income.
The bank successfully expanded its growth footprint in the fastest-growing region of Europe, including the acquisition of a controlling stake in Erste Bank Polska.
Erste Group Bank AG. (EBKDY) reported a significant increase in CET1 capital ratio, reaching 19.3% by the end of 2025.
The bank maintained strong asset quality, with a low NPL ratio of 2.4% and stable asset quality across its operations.
The bank's digital platform, George, continued to grow, with 11.4 million onboarded users by the end of 2025.

Negative

The bank faced a high banking levy burden, reaching almost €440 million in 2025.
There is uncertainty regarding the integration timeline and costs associated with the acquisition of Erste Bank Polska.
The bank's net interest income growth is expected to be impacted by the non-recurrence of interest earned on the purchase price of Erste Bank Polska.
Erste Group Bank AG. (EBKDY) anticipates higher risk costs in Poland, which could affect overall profitability.
The bank's operating expenses were running above the 2025 cost inflation guidance, requiring adjustments for integration costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ERST.VI - Erste Group Bank AG
Full Year 2025 Erste Group Bank AG Earnings Call
Feb 26, 2026 / 08:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen.

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Unidentified_2 [2]
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Welcome to the Ear the Group full year 2025 results conference call. I'm Sergegen, the chorus call operator. I would like to remind you that all participants will be in listen-only mode, and the conference is being recorded. The presentation will be followed by a Q&A session. You can register for questions at any time by pressing star and put on your telephone.

For operator assistance, please press 0. The conference must not be recorded for publication or broadcast. At this time, it's my

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