Austrian banking group offering retail and corporate banking, savings and investment services across Central and Eastern Europe.MoreShow less
Profile & Fundamentals
Erste Group Bank (EBS.VI) Profile & Fundamentals
Review Erste Group Bank reported earnings, valuation, balance sheet and ownership, with source tables and separate AI assessments.
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Company and Market Context
Erste Group Bank: Company Profile & Ownership
Erste Group Bank AG provides various banking and other financial services to retail, corporate, and public sector customers. It offers savings and current accounts, and term deposit products; consumer credit and mortgage lending; commercial real estate, investment loan, acquisition and leveraged finance, project finance, and product neutral financial advice; and factoring, accounts receivable purchasing, working capital finance, and structured trade finance, and ErsteConfirming, a supply chain finance solution. The company also provides interests and FX hedging, letters of credit, documentary collections, and guarantees; cash-management solutions, such as cash pooling, payment transactions, digital banking, payment factory, VIRTUAL.IBAN, and POS-terminals and e-commerce; equity interests and investments, revolving export credit lines, and customer financing. In addition, it offers loan syndication, debt capital market, and equity capital market services; custody and brokerage services, including safekeeping, settlement, corporate action events, tax reclaim assistance, proxy voting, brokerage services, securities lending, cash management, clearing services for remote members on Vienna Stock Exchange, and market news services; and George, a digital retail product. The company operates in Austria, the Czech Republic, Poland, Slovakia, Bosnia, Romania, Hungary, North Macedonia, Montenegro, Croatia, Serbia, and internationally. Erste Group Bank AG was founded in 1819 and is based in Vienna, Austria.
Company profile record
Erste Group Bank AG
Common Stock · Financials · Regional Banks
Company
- Company / asset
- Erste Group Bank AG
- Security type
- Common Stock
- Sector
- Financials
- Industry
- Regional Banks
- HQ
- 🇦🇹 Austria
- Head office
- Am Belvedere 1, Vienna, Austria, 1100
Leadership & scale
- Chief executive
- Dr. Peter Bosek MP
- CEO year born
- 1968
- Full-time employees
- 55K
- Fiscal year end
- December
Fundamentals snapshot
- Market Cap
- EUR 48.5B
- P/E
- 12.0x
- Revenue (Q3 26)
- EUR 4.1B
- Profit (Q3 26)
- EUR 1.1B
- Dividend Yield
- 0.5%
- Revenue (FY 25)
- EUR 20.1B
- Shares in public float
- 336.6M
- Insider ownership
- 26.67%
Reporting & identifiers
- Symbol
- EBS.VI
- Listing
- 🇦🇹 Austria | Dividend Tax: 27.5%
- Ticker Currency
- EUR
- Income Statement Currency
- EUR
- Balance Sheet Currency
- EUR
- Cash Flow Currency
- EUR
- EPS Currency
- EUR
- Contract Type
- SPOT
- ISIN
- AT0000652011
- Asset ID
- equity_0853efde-58a4-5556-bbda-24c61535422f
Erste Group Bank: Ownership
Shares Outstanding
Latest: 411.7M | Max: 430.1M | Min: 389.4M
Latest reported ownership snapshot
Float Shares
81.75%
336.6M latest reported shares
Insider Ownership
26.67%
Latest reported insider stake
Short Float
--
Latest reported short interest / float
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
Scroll the table to see every column.
| Reporting date | Shares outstanding |
|---|---|
| 2017-01-01 | 409,579,900 |
| 2018-01-01 | 389,359,800 |
| 2019-01-01 | 427,043,500 |
| 2020-01-01 | 423,827,200 |
| 2021-01-01 | 426,273,100 |
| 2022-01-01 | 430,112,000 |
| 2023-01-01 | 430,068,300 |
| 2024-01-01 | 390,950,500 |
| 2025-01-01 | 410,506,000 |
| 2026-01-01 | 411,738,000 |
Top Holders
Available reported ownership records.
No reported records are available in this preview.
Erste Group Bank: Earnings, Profitability & Valuation
Latest Financials Filed On
Cash Flow: EUR→USD conversion reference as of . Historical periods use their own dated rates.
Income Statement: EUR→USD conversion reference as of . Historical periods use their own dated rates.
Earnings & Revenue
Earnings and Revenue Trajectory
AI Review
The bank experienced a remarkable surge in headline earnings, with net profit reaching 3.51 billion euros in fiscal 2025 and climbing further in the first half of 2026. This explosive revenue expansion was heavily propelled by the major acquisition of a Polish banking franchise, which immediately added large lending volumes and fee income. However, this top-line leap conceals important underlying limits. Over half of the new Polish earnings belongs to outside minority shareholders rather than common stock owners. Furthermore, recent profits benefited from unsustainably low credit default charges and peak lending margins, meaning future organic growth will settle into a much more modest, normal rhythm.
The bank experienced a remarkable surge in headline earnings, with net profit reaching 3.51 billion euros in fiscal 2025 and climbing further in the first half of 2026. This explosive revenue expansion was heavily propelled by the major acquisition of a Polish banking franchise, which immediately added large lending volumes and fee income. However, this top-line leap conceals important underlying limits. Over half of the new Polish earnings belongs to outside minority shareholders rather than common stock owners. Furthermore, recent profits benefited from unsustainably low credit default charges and peak lending margins, meaning future organic growth will settle into a much more modest, normal rhythm.
Revenue, Net Income, and Free Cash Flow
Latest: EUR 20.1B | Max: EUR 23.9B | Min: EUR -35.9B
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 13x
Profitability & Margins
Margins and Operating Efficiency
AI Review
Profit margins reached exceptional heights recently, generating an impressive net profit margin near 30% and a return on equity exceeding 13%. This performance was driven by wide lending spreads, as loans quickly adjusted to higher benchmark interest rates while everyday customer checking accounts paid little to no interest. This sweet spot is now fading. Savers are steadily moving their money into higher-paying savings accounts, which pushes up funding expenses. Combined with rising government bank taxes across Central Europe, these higher funding costs will gradually compress profit margins back toward long-term historical averages.
Profit margins reached exceptional heights recently, generating an impressive net profit margin near 30% and a return on equity exceeding 13%. This performance was driven by wide lending spreads, as loans quickly adjusted to higher benchmark interest rates while everyday customer checking accounts paid little to no interest. This sweet spot is now fading. Savers are steadily moving their money into higher-paying savings accounts, which pushes up funding expenses. Combined with rising government bank taxes across Central Europe, these higher funding costs will gradually compress profit margins back toward long-term historical averages.
Profitability Margins
Latest: 56.0% | Max: 84.2% | Min: 8.7%
Latest Profitability Ratios as of 2025-12-31
Gross Margin
56.0%
Gross profit / revenue
Operating Margin
26.9%
Operating income / revenue
Net Margin
17.5%
Net income / revenue
FCF Margin
21.3%
Free cash flow / revenue
Source tablesView earnings, profitability & valuation tables
Revenue, Net Income, and Free Cash Flow
Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.
Scroll the table to see every column.
| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-12-31 | 8,912,668,680 | 1,340,611,680 | 5,864,980,000 |
| 2017-12-31 | 9,579,691,590 | 1,566,299,420 | 3,383,170,000 |
| 2018-12-31 | 10,572,901,500 | 2,044,528,440 | -3,930,720,000 |
| 2019-12-31 | 10,874,304,000 | 1,646,512,000 | -7,599,200,000 |
| 2020-12-31 | 10,933,884,000 | 955,382,000 | 29,211,558,000 |
| 2021-12-31 | 10,498,032,000 | 2,192,676,000 | 12,375,498,000 |
| 2022-12-31 | 14,642,950,000 | 2,316,550,000 | -9,944,580,000 |
| 2023-12-31 | 24,841,300,000 | 3,297,800,000 | 2,263,800,000 |
| 2024-12-31 | 23,374,000,000 | 3,250,000,000 | -37,286,080,000 |
| 2025-12-31 | 23,465,520,000 | 4,105,530,000 | 5,007,600,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
Scroll the table to see every column.
| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-12-31 | 13 | Trailing four quarters |
| 2024-12-31 | 7.8 | Trailing four quarters |
| 2023-12-31 | 5 | Trailing four quarters |
| 2022-12-31 | 5.6 | Annual net income |
| 2021-12-31 | 8.7 | Annual net income |
Profitability Margins
Matching annual reporting dates. Values are percentages.
Scroll the table to see every column.
| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-12-31 | 82.03 | 23.2 | 15.04 | 65.8 |
| 2017-12-31 | 84.21 | 25.81 | 16.35 | 35.32 |
| 2018-12-31 | 74.5 | 26.9 | 19.34 | -37.18 |
| 2019-12-31 | 74.74 | 23.99 | 15.14 | -69.88 |
| 2020-12-31 | 79.97 | 15.26 | 8.74 | 267.17 |
| 2021-12-31 | 82.52 | 31.85 | 20.89 | 117.88 |
| 2022-12-31 | 61.35 | 23.54 | 15.82 | -67.91 |
| 2023-12-31 | 45.7 | 21.23 | 13.28 | 9.11 |
| 2024-12-31 | 48.47 | 22.23 | 13.9 | -159.52 |
| 2025-12-31 | 56.03 | 26.92 | 17.5 | 21.34 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Snapshot retrieved 2026-11-05.
Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.
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