Erste Group Bank (EBKOF)
OTHER OTC:EBKOF
Earnings Data
Report Date
Apr 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.71Last Year’s EPS
2.12Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and capital story: record revenues, expanding loan/deposit growth, robust fee momentum, and a substantial capital build (CET1 19.3%) that enables strategic optionality. The main negatives are largely non-operational or one-off in nature related to the Poland acquisition (integration costs, IFRS9 provisioning, intangibles amortization), temporarily elevated cost inflation earlier in the year, and expected higher regulatory levies. Management provided concrete 2026 guidance (NII >€11bn, fees ~€4bn, costs ~€7bn, loans >€285bn, ROTE ~19%) and reiterated focus on integration, while highlighting some one-off items and classification uncertainties that reduce near-term comparability. Overall, operational momentum and capital strength significantly outweigh the acquisition-related and regulatory headwinds.Company Guidance
Record Revenues and Operating Income
Erste Group posted record operating income of ~€11.7bn for 2025 and record quarterly operating income (~€3.1bn). Reported net profit was €3.5bn with adjusted underlying net profit of ~€3.3bn (adjusting for one-offs).
Net Interest Income Momentum
Net interest income (NII) reached almost €7.8bn in 2025, up ~3.5% year-on-year. Q4 NII topped €2.0bn for the first time (Q4 YoY +4.6%, QoQ +2.7%). Guidance for 2026: NII north of €11bn (group including Poland).
Record Fee Income
Net fee income hit a record ~€3.2bn in 2025 (+8.6% YoY). Q4 fee income was €850m (+9.1% YoY, +6.5% QoQ). Asset management and securities business were material drivers.
Strong Loan and Deposit Growth
Customer loans rose by ~€14bn (+6.4%) in 2025; retail loans increased 8.1% to €115.4bn. Customer deposits increased by >€11bn (+4.7%). Management targets organic loan growth >5% for 2026 (ex‑Poland).
Excellent Capital Build
CET1 ratio rose by ~408 basis points to 19.3% at year-end 2025, creating capacity to fully consolidate Erste Bank Polska and support strategic options. CET1 target post-integration remains above regulatory floor (aiming for ~14.25% during 2026).
High-Quality Asset Quality
Group NPL ratio improved to 2.4% (Q4 YoY and QoQ improvement). Risk costs for 2025 were low at ~21 bps; Q4 risk costs were €159m (27 bps). CEE asset quality described as strong across key markets.
Digital and Client Metrics
Retail digital platform George reached 11.4m users and a 67% digital sales ratio. Asset management reached €104bn AuM at year-end 2025. Corporate George business migrated ~76,000 clients.
EBKOF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EBKOF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 26, 2026 | $122.17 | $121.77 | -0.33% |
Oct 31, 2025 | $99.78 | $101.20 | +1.42% |
Aug 01, 2025 | $89.76 | $92.14 | +2.65% |
Apr 30, 2025 | $67.13 | $66.09 | -1.55% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Erste Group Bank (EBKOF) report earnings?
Erste Group Bank (EBKOF) is schdueled to report earning on Apr 30, 2026, Before Open (Confirmed).
What is Erste Group Bank (EBKOF) earnings time?
Erste Group Bank (EBKOF) earnings time is at Apr 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EBKOF EPS forecast?
EBKOF EPS forecast for the fiscal quarter 2026 (Q1) is 2.71.