Share

Profile & Fundamentals

Erste Group Bank Profile & Fundamentals

Name: Erste Group Bank financial chart data preview
Creator: iPulse AI
License: https://ipulseai.com/terms

Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

Interactive annual & quarterly chartsAI financial reviewsReported source tables

Explore this pageJump to a Profile & Fundamentals section

Explore this research

Profile & Fundamentals contents

Jump directly to any section

Company and Market Context

Company Profile & Ownership

Erste Group Bank AG provides a range of 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, 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, Slovakia, Romania, Hungary, 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

Official website

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: 55.2K
Fiscal year end: December

Fundamentals snapshot

Updated 2026-09-05

Market Cap: EUR 50.1B
P/E: 13.1x
Revenue (Q2 26): EUR 4.0B
Profit (Q2 26): EUR 1.1B
Dividend Yield: 0.4%
Revenue (FY 25): EUR 11.8B
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

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Earnings, Profitability & Valuation

Earnings & Revenue

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.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

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 back toward long-term historical averages.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

Complete Research Workspace

Unlock the complete Profile & Fundamentals

Sign in to verify your access, or upgrade to the Base plan to open the complete profile & fundamentals and available source data.

Sign in to check access View Base plan

Paywalled preview begins: Reported Data Tables — chart preview

From this section to the end-of-preview notice below, research is provided as simplified HTML text and tables. Full access provides the complete interactive interface, charts and additional datasets.

Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-09-06.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	7,226,035,900	5,691,140,000	1,340,611,680	97.45	28.61	18.55	78.76
2017-12-31	8,066,568,510	3,383,170,000	1,566,299,420	98.74	32.79	19.42	41.94
2018-12-31	7,877,088,780	-3,930,720,000	2,044,528,440	100.89	37.63	25.96	-49.9
2019-12-31	8,127,657,440	-7,599,200,000	1,646,548,960	99.45	36.48	20.26	-93.5
2020-12-31	8,733,248,000	29,211,558,000	955,382,000	Not reported	Not reported	10.94	334.49
2021-12-31	8,663,088,000	12,375,498,000	2,192,676,000	Not reported	Not reported	25.31	142.85
2022-12-31	8,981,901,000	-9,944,580,000	2,316,229,000	Not reported	Not reported	25.79	-110.72
2023-12-31	11,349,800,000	2,263,800,000	3,297,800,000	Not reported	Not reported	29.06	19.95
2024-12-31	11,329,760,000	-10,166,000,000	3,250,000,000	Not reported	Not reported	28.69	-89.73
2025-12-31	13,760,370,000	3,844,620,000	4,106,700,000	Not reported	Not reported	29.84	27.94

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	13.02	Trailing four quarters
2024-12-31	7.78	Trailing four quarters
2023-12-31	4.99	Trailing four quarters
2022-12-31	5.62	Annual net income
2021-12-31	8.72	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2013-01-01	411,458,000
2014-01-01	417,090,600
2015-01-01	410,091,700
2016-01-01	409,506,100
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	405,570,700
2022-01-01	407,194,800

End of the paywalled preview

The excerpt from Reported Data Tables — chart preview to this notice is the simplified paywalled content included on this page. A signed-in, verified account with the required subscription provides the full interactive interface and the additional research, datasets and tools listed below.

Those additional materials are not included in this preview and cannot be revealed by removing its visual restrictions.

Additional with full access

Earnings, Profitability & Valuation
- Complete profitability ratios
- EPS history and estimate comparisons
- Execution vs expectations
- Annual and quarterly financial views
Capital Expenditure & R&D
- Capital allocation AI review
- Annual capital expenditure
- Investment intensity trends
- Capex and R&D intensity indicators
Balance Sheet
- Balance sheet AI review
- Assets, debt and equity
- Capital structure
- Liquidity and leverage
- Retained earnings
Dividends & Actions
- Cash dividends paid
- Dividend indicators
- Buybacks and issuance
- Combined shareholder returns
- Available corporate actions

Explore complete public research examples

These public assets show the complete asset profiles, fundamental datasets and analysis. Their findings concern those assets, not this report.