BAWAG Group AG financials
BAWAG Group AG
Country: AT Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
529900S9YO2JHTIIDG38 Financial statements
(EUR, as reported — unscaled; 120 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | €153.6M | €149.7M |
| Operating expenses | €826.4M | €550.9M |
| Depreciation & amortisation | €71.6M | €66.7M |
| Profit before tax | €1.16B | €989.9M |
| Income tax expense | €295.2M | €229.9M |
| Profit for the year | €861.9M | €760.0M |
| — attributable to owners | €859.9M | €760.0M |
| — attributable to NCI | €2.0M | €0 |
| Total comprehensive income | €917.0M | €732.8M |
| Cash flow statement | ||
| Net cash from operating activities | -€3.28B | €1.24B |
| Income taxes paid | €256.0M | €282.0M |
| Net cash from investing activities | €606.0M | €3.88B |
| Net cash from financing activities | -€841.0M | -€310.0M |
| Dividends paid | €432.0M | €393.0M |
| Lease liability payments | €29.0M | €29.0M |
| Balance sheet | ||
| Total assets | €72.30B | €71.34B |
| Property, plant & equipment | €300.0M | €254.0M |
| Intangible assets & goodwill | €117.0M | €119.0M |
| Cash & equivalents | €14.09B | €17.60B |
| Total equity | €4.84B | €4.73B |
| Non-controlling interests | €9.0M | €0 |
| Deferred tax liabilities | €189.0M | €119.0M |
| Derived metrics | ||
| Free cash flow | -€3.37B | €1.19B |
| Return on equity | 17.8% | 16.1% |
| Cash conversion ratio | -3.80× | 1.64× |
| Capex coverage | -34.13× | 24.39× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Measured At Amortised Cost | -€1.91B | €131.0M |
| Adjustments For Decrease Increase In Other Assets | €356.0M | €44.0M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €254.0M | €137.0M |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Amortised Cost | -€3.40B | -€640.0M |
| Adjustments For Increase Decrease In Other Liabilities | -€25.0M | €55.0M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€14.0M | €9.0M |
| Adjustments For Provisions | €150.0M | €169.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €7.0M | €4.0M |
| Cash and Bank Balances At Central Banks | €14.09B | €17.60B |
| Cash Flows From Used In Operations Before Changes In Working Capital | -€69.0M | -€448.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €1.7M | €0 |
| Comprehensive Income Attributable To Owners of Parent | €915.3M | €732.8M |
| Current Tax Assets | €23.0M | €19.0M |
| Current Tax Liabilities | €131.0M | €145.0M |
| Debt Instruments Held | €3.61B | €3.08B |
| Deferred Tax Assets | €108.0M | €121.0M |
| Deposits From Banks | €812.0M | €1.26B |
| Deposits From Customers | €47.37B | €46.17B |
| Derivative Financial Assets Held For Hedging | €358.0M | €331.0M |
| Derivative Financial Liabilities Held For Hedging | €91.0M | €291.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €481.0M | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €6.25 | — |
| Dividends Received Classified As Operating Activities | €4.0M | €4.0M |
| Dividends Recognised As Distributions To Owners Per Share | €5.50 | — |
| Equity and Liabilities | €72.30B | €71.34B |
| Fee and Commission Expense | €172.0M | €109.9M |
| Fee and Commission Income | €542.6M | €419.8M |
| Fee and Commission Income Expense | €370.6M | €309.9M |
| Financial Assets At Amortised Cost | €54.81B | €49.41B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €1.32B | €1.91B |
| Financial Assets At Fair Value Through Profit Or Loss | €517.0M | €624.0M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €109.0M | €316.0M |
| Financial Liabilities At Amortised Cost | €65.71B | €64.61B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €450.0M | €454.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €55.0M | €100.0M |
| Gains Arising From Derecognition of Financial Assets Measured At Amortised Cost | €100.0K | €0 |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €209.0M | €62.9M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €14.2M | -€17.3M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €3.4M | €100.0K |
| Increase Decrease Through Sharebased Payment Transactions | €54.0M | €6.0M |
| Increase Decrease Through Transactions With Owners | -€553.0M | -€387.0M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €8.0M | €4.0M |
| Interest Expense | €1.52B | €1.79B |
| Interest Paid Classified As Operating Activities | €1.58B | €1.70B |
| Interest Received Classified As Operating Activities | €3.11B | €3.03B |
| Interest Revenue Calculated Using Effective Interest Method | €2.92B | €2.44B |
| Investment Accounted For Using Equity Method | €106.0M | €101.0M |
| Investment Property | €232.0M | €50.0M |
| Liabilities | €67.45B | €66.61B |
| Loans and Advances To Banks | €452.0M | €830.0M |
| Loans and Advances To Customers | €50.75B | €45.50B |
| Losses Arising From Derecognition of Financial Assets Measured At Amortised Cost | €1.6M | €7.2M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €119.0M | €5.0M |
| Other Adjustments For Noncash Items | €374.0M | -€314.0M |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | -€1.69B | -€1.21B |
| Other Assets | €277.0M | €282.0M |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €0 | €1.0M |
| Other Comprehensive Income | €55.1M | -€27.2M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €71.0M | -€57.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€700.0K | -€1.7M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€25.3M | €9.9M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€9.4M | €11.8M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €1.6M | €1.4M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €8.8M | €0 |
| Other Comprehensive Income Before Tax Hedges of Net Investments In Foreign Operations | €22.3M | -€8.8M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €44.4M | -€26.8M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €10.7M | -€400.0K |
| Other Equity Interest | €496.0M | €708.0M |
| Other Expense By Nature | €167.8M | €129.2M |
| Other Liabilities | €877.0M | €826.0M |
| Payments of Other Equity Instruments | €214.0M | €262.0M |
| Payments To Acquire Or Redeem Entitys Shares | €175.0M | €0 |
| Proceeds From Changes In Ownership Interests In Subsidiaries | €6.0M | €0 |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €6.0M | €27.0M |
| Proceeds From Issue of Subordinated Liabilities | €249.0M | €0 |
| Proceeds From Issuing Other Equity Instruments | €0 | €500.0M |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €0 | €29.0M |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €1.10B | €1.02B |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €846.0M | €1.82B |
| Provisions | €251.0M | €285.0M |
| Purchase of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €748.0M | €399.0M |
| Purchase of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €338.0M | €459.0M |
| Purchase of Interests In Investments Accounted For Using Equity Method | €9.0M | €0 |
| Purchase of Investments Other Than Investments Accounted For Using Equity Method | €157.0M | -€1.90B |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €96.0M | €51.0M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | -€3.2M | -€10.8M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €14.0M | -€47.4M |
| Reduction of Issued Capital | €175.0M | €0 |
| Repayments of Subordinated Liabilities | €200.0M | €104.0M |
| Revenue From Dividends | €4.1M | €3.8M |
| Revenue From Interest | €3.36B | €3.10B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €4.4M | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €6.6M | €4.3M |
Methodology
Every line item above is a fact tagged in BAWAG Group AG's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.