Erste Group delivered strong financial performance in the first quarter of 2025 with notable growth in loans and deposits, improved asset quality, and upgraded fee guidance. However, the increase in operating expenses and higher banking levies present challenges, alongside uncertainty surrounding a potential acquisition in Poland.

Company Guidance

In the Erste Group's First Quarter 2025 Results Conference Call, the management provided key financial metrics and guidance for the year. Despite challenges, the bank reported a robust performance with return on tangible equity surpassing 15% and an efficiency ratio of 48%. Net interest income, while slightly declining quarter-on-quarter due to a day count effect, remained stable, with expectations to remain flat for the year. Fee income was upgraded to grow by more than 5% due to strong performance. Operating expenses increased by 4.8% year-on-year, yet remained aligned with the bank's 5% annual growth target. The CET1 ratio improved to 16.2%, providing strategic flexibility, with management indicating a capital deployment decision by year-end. Risk costs remained low, and the bank maintained its NPL ratio at 2.5%, demonstrating strong asset quality. The potential acquisition of a 49% stake in Santander Bank Polska was discussed, emphasizing strategic growth and shareholder value.

Strong Financial Results

Erste Group reported robust financial results for Q1 2025, with revenues slightly growing year-on-year, driven by core income such as net interest income and fees. Return on tangible equity surpassed the 15% target.

Positive Loan and Deposit Growth

Customer loans grew by 0.9% year-to-date and topped 5% year-on-year for the first time in almost two years. Customer deposits also showed strong growth, with a 1.9% increase year-to-date and 4.6% year-on-year.

Asset Quality Improvement

Asset quality improved with a consolidated NPL ratio reduction to 2.5% and an increase in NPL coverage. The Austrian business saw fewer defaults and lower risk costs.

Upgraded Fee Guidance

The group upgraded its fee growth guidance to more than 5% for 2025, fueled by strong fee income performance, particularly in payments and securities.

Erste Group Bank (EBKOF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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EBKOF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	2.36 / -	2.498	―	―	―
Aug 01, 2025	2025 (Q2)	2.11 / 2.46	2.183	12.83% (+0.28)
Apr 30, 2025	2025 (Q1)	2.21 / 2.12	2.183	-2.67% (-0.06)
Feb 28, 2025	2024 (Q4)	1.77 / 1.54	1.78	-13.70% (-0.24)
Oct 31, 2024	2024 (Q3)	2.23 / 2.50	2.218	12.63% (+0.28)
Aug 02, 2024	2024 (Q2)	1.96 / 2.18	2.311	-5.56% (-0.13)
Apr 30, 2024	2024 (Q1)	1.96 / 2.18	1.622	34.53% (+0.56)
Feb 29, 2024	2023 (Q4)	1.71 / 1.78	1.399	27.19% (+0.38)
Oct 30, 2023	2023 (Q3)	2.12 / 2.22	1.389	59.66% (+0.83)
Jul 31, 2023	2023 (Q2)	1.97 / 2.31	1.739	32.89% (+0.57)

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
Aug 01, 2025	$89.76	$92.14	+2.65%
Apr 30, 2025	$67.13	$66.09	-1.55%
Feb 28, 2025	$67.74	$64.18	-5.26%
Oct 31, 2024	$48.91	$51.99	+6.30%

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 Oct 31, 2025, Before Open (Confirmed).

What is Erste Group Bank (EBKOF) earnings time?

Erste Group Bank (EBKOF) earnings time is at Oct 31, 2025, 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 2025 (Q3) is 2.36.

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