BTV Vier Länder Bank (BTS) Q2 2026 earnings summary

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.