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BTV Vier Länder Bank (BTS) investor relations material
BTV Vier Länder Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit before tax rose by €7.3m to €146.7m, and net profit after tax increased by €6.7m to €118.6m year-over-year.
Total assets grew by 2.2% to €16.27bn compared to year-end 2025.
Customer loans increased by €186m to €9.23bn, while customer deposits reached €12.19bn.
Equity strengthened by €123m to €2.76bn, with a CET1 ratio of 17.1%.
Financial highlights
Net interest income declined by 2.9% to €120.3m, but risk provisions in lending dropped by 11.4% to €13.4m.
Net fee and commission income rose by 4.9% to €34.3m, driven by securities business.
At-equity income increased by 9.7% to €41.8m.
Operating expenses rose by 10.8% to €153.1m, mainly due to higher personnel costs.
Other operating income surged by 13.5% to €110.9m, largely from consolidated cable car operations.
Outlook and guidance
Full-year pre-tax group profit expected in the range of €165–185m, with ongoing geopolitical and economic uncertainties posing risks, especially regarding credit risk.
- Net profit before tax up 17% to €203.5m, with improved capital and strong segment results.BTS
Q2 2024 - Net profit up 14.5% to €198.2m, with strong capital and segment growth amid ongoing risks.BTS
Q3 2024 - Record profit, strong capital, legal clarity, but higher NPLs and cautious 2025 outlook.BTS
Q4 2024 - Q1 2025 net profit fell 19.6% to €58.0m; CET1 ratio 15.0%; outlook cautious amid macro risks.BTS
Q1 2025 - Net profit before tax dropped 31.5% year-over-year, but capital and loan growth stayed strong.BTS
Q2 2025 - Net profit before tax dropped 30.1% year-over-year to €166.2m, with robust capital ratios.BTS
Q3 2025 - Net profit fell 30% to €157.7m, but capital strength and sustainability initiatives advanced.BTS
Q4 2025 - Pre-tax profit up 7.7% to €75.5m, with robust capital and improved efficiency.BTS
Q1 2026
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