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BAWAG Group
BAWAG Group (BG) investor relations material
BAWAG Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved record net profit of €860 million for 2025, up 13% year-over-year, with EPS of €10.87 and ROTCE of 26.9%, surpassing all 2025 targets and initiating new multi-year goals.
Fourth quarter net profit was €230 million, ROTCE 28%, and all 2025 targets were exceeded.
Integration of recent acquisitions, including Barclays Consumer Bank Europe and Knab, progressed ahead of plan, expanding into a pan-European and U.S. banking group with a digital-first approach.
Distributed €607 million to shareholders via dividends and share buybacks, reducing shares outstanding by 23% since IPO.
Achieved 3% organic customer loan growth, or 12% including acquisitions.
Financial highlights
Core revenues rose 36% year-over-year to €2.2 billion, with net interest income up 40% to €1.8 billion and net commission income up 20% to €371 million.
Pre-provision profits reached €1.42 billion, up 31% from prior year; cost income ratio at 36.1%.
Net interest margin stood at 3.29% for the year, with a Q4 value of 3.32%.
Operating expenses down 3% in Q4, cost income ratio improved to 33.8% in Q4 2025.
Risk cost ratio for FY 2025 was 0.41%, with a Q4 spike to 0.45% due to a single name default; NPL ratio stable at 0.8%.
Outlook and guidance
Net profit targets: over €960 million in 2026, over €1.1 billion in 2027, and over €1.2 billion in 2028, with 12% CAGR from 2025-2028.
Through-the-cycle ROTCE target above 20%, cost income ratio under 33%, CET1 target at 12.5%.
Expecting 3%-4% annual loan growth, 6% NII/core revenue growth in 2026, and risk cost ratio of 45 bps.
Over €1.5 billion in excess capital projected by 2028, available for M&A, distributions, or growth.
Operational expenses to decrease by over 5% in 2026.
Prioritize excess capital deployment by 2028
Path to achieve <33% CIR target
Risk cost trajectory for the expanded group?
Quantify AI's net cost savings impact midterm
M&A strategy for larger deals and share issuance
Reason for underinvested securities portfolio
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Next BAWAG Group earnings date
Q1 202621 Apr, 2026
BAWAG Group
Next BAWAG Group earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
BAWAG Group AG is an Austria-based bank holding company that provides a wide range of financial products and services. Its offerings cater to retail, small business, and corporate customers, encompassing comprehensive savings, payment solutions, corporate lending, investment, and leasing services. The group operates through a multi-brand and multi-channel strategy, serving approximately 2.1 million customers across key markets in Austria, Germany, Switzerland, the Netherlands, other parts of Western Europe, and the United States. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.
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