BTV Vier Länder Bank (BTS) Q4 2025 earnings summary

Executive summary

• 2025 marked a milestone with the rebranding to BTV Vier Länder Bank AG, reflecting international presence and a focus on innovation and digital services.

• The year was operationally strong, with growth in customer business and a continued commitment to sustainability and digital transformation.

• The bank expanded its sustainable product offerings and invested in energy-efficient infrastructure and digital customer solutions.

Financial highlights

• Net interest income fell by 6.9% to €247.8m year-over-year, mainly due to lower Euribor rates.

• Provisions for credit risk remained stable at €-38.9m.

• Net fee and commission income rose by 9.0% to €66.8m.

• Pre-tax profit dropped 30.8% to €183.2m; net profit fell 29.5% to €157.7m year-over-year.

• Total assets increased by 3.4% to €15.9bn; customer loans grew 2.8% to €9.0bn; customer deposits rose 3.5% to €11.9bn.

• Equity increased by 6.1% to €2.64bn.

• Earnings per share were €4.14 (previous year: €5.87); proposed dividend €0.50 per share.

Outlook and guidance

• Moderate global economic growth is expected for 2026, with ongoing geopolitical risks and subdued export and construction sectors.

• The bank plans for continued growth in customer loans and deposits, with a focus on sustainable finance and digitalization.

• Pre-tax profit for 2026 is forecasted in the range of €165–185m, with lower net interest income but higher fee income and lower risk costs.