ERSTE GROUP BANK AG financials
ERSTE GROUP BANK AG
Country: AT Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
PQOH26KWDF7CG10L6792 Financial statements
(EUR, as reported — unscaled; 133 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €1.69B | €1.53B |
| Employee benefits expense | €3.33B | €3.20B |
| Depreciation & amortisation | €560.0M | €547.0M |
| Profit before tax | €5.40B | €5.00B |
| Income tax expense | €1.10B | €1.05B |
| Profit for the year | €4.30B | €3.94B |
| — attributable to owners | €3.51B | €3.13B |
| — attributable to NCI | €788.0M | €819.0M |
| Total comprehensive income | €4.54B | €3.79B |
| Per share | ||
| Diluted EPS | €8.24 | €7.19 |
| Free cash flow / share | €8.03 | €-23.49 |
| Cash flow statement | ||
| Net cash from operating activities | €4.04B | -€9.03B |
| Net cash from investing activities | -€1.00B | -€850.0M |
| Purchase of PP&E (capex) | €753.0M | €746.0M |
| Net cash from financing activities | -€630.0M | -€1.55B |
| Dividends paid | €1.44B | €1.35B |
| Balance sheet | ||
| Total assets | €368.57B | €353.74B |
| Property, plant & equipment | €2.94B | €2.75B |
| Intangible assets & goodwill | €1.41B | €1.38B |
| Cash & equivalents | €27.57B | €25.13B |
| Total equity | €34.66B | €30.77B |
| — attributable to owners | €22.82B | €20.45B |
| Non-controlling interests | €8.37B | €7.63B |
| Deferred tax liabilities | €52.0M | €31.0M |
| Derived metrics | ||
| Free cash flow | €3.29B | -€9.78B |
| Return on equity | 12.4% | 12.8% |
| Cash conversion ratio | 0.94× | -2.29× |
| Capex coverage | 5.36× | -12.10× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€64.0M | -€19.0M |
| Additional Paidin Capital | €1.52B | €1.52B |
| Adjusted Weighted Average Shares | 409.2M | 416.2M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €2.16B | -€2.64B |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €550.0M | €554.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €490.0M | €427.0M |
| Basic Earnings Loss Per Share From Continuing Operations | €8.24 | €7.20 |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €67.0M | €28.0M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €21.0M | €88.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €813.0M | €829.0M |
| Comprehensive Income Attributable To Owners of Parent | €3.72B | €2.96B |
| Current Tax Assets | €84.0M | €45.0M |
| Current Tax Liabilities | €323.0M | €241.0M |
| Debt Instruments Held At Amortised Cost | €58.66B | €52.89B |
| Debt Instruments Held At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €1.79B | €1.47B |
| Debt Instruments Held Measured At Fair Value Through Other Comprehensive Income | €9.07B | €9.39B |
| Debt Instruments Issued At Amortised Cost | €45.60B | €41.86B |
| Deferred Tax Assets | €171.0M | €266.0M |
| Deposits From Banks At Amortised Cost | €16.92B | €21.26B |
| Deposits From Customers At Amortised Cost | €252.82B | €241.53B |
| Deposits From Customers At Fair Value Through Profit Or Loss That Meet Definition of Held For Trading | €174.0M | €115.0M |
| Derivative Financial Assets Held For Trading | €829.0M | €1.23B |
| Derivative Financial Liabilities Held For Trading | €1.09B | €1.15B |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €1.34B | €1.22B |
| Dividends Paid To Noncontrolling Interests Classified As Financing Activities | €95.0M | €132.0M |
| Dividends Received Classified As Operating Activities | €36.0M | €39.0M |
| Dividends Recognised As Distributions To Owners Per Share | €0.75 | €3.00 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €34.0M | -€123.0M |
| Equity and Liabilities | €368.57B | €353.74B |
| Equity Instruments Held At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €523.0M | €464.0M |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €113.0M | €109.0M |
| Fee and Commission Expense | €620.0M | €517.0M |
| Fee and Commission Income | €3.81B | €3.45B |
| Fee and Commission Income Expense | €3.19B | €2.94B |
| Finance Lease Receivables | €5.29B | €5.25B |
| Financial Assets At Amortised Cost | €301.71B | €288.89B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €9.18B | €9.50B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €9.38B | €11.46B |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €3.83B | €3.04B |
| Financial Liabilities At Amortised Cost | €316.17B | €305.33B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €2.41B | €1.82B |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €9.86B | €10.28B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | -€49.0M | -€90.0M |
| Gain Loss On Remeasurement of Net Defined Benefit Liability Asset | -€31.0M | -€16.0M |
| Gains Losses On Cash Flow Hedges Before Tax | -€64.0M | €76.0M |
| Gains Losses On Exchange Differences On Translation Before Tax | €260.0M | -€197.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €53.0M | €38.0M |
| Gains Losses On Hedges of Net Investments In Foreign Operations Before Tax | -€67.0M | €3.0M |
| Hedging Instrument Assets | €231.0M | €181.0M |
| Hedging Instrument Liabilities | €170.0M | €194.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €478.0M | €397.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €8.0M | €19.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €8.0M | -€14.0M |
| Income Tax Relating To Other Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €0 | €30.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €856.0M | €807.0M |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €1.0M | €50.0M |
| Increase Decrease Through Sharebased Payment Transactions | -€2.0M | €3.0M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €14.0M | -€8.0M |
| Increase Decrease Through Treasury Share Transactions | -€5.0M | €0 |
| Interest Expense | €5.99B | €7.55B |
| Interest Expense On Other Financial Liabilities | €2.83B | €4.03B |
| Interest Income On Other Financial Assets | €2.91B | €3.76B |
| Interest Paid Classified As Operating Activities | €13.27B | €15.81B |
| Interest Received Classified As Operating Activities | €20.76B | €23.00B |
| Interest Revenue Calculated Using Effective Interest Method | €13.69B | €15.35B |
| Interest Revenue Expense | €7.79B | €7.53B |
| Investment Property | €1.91B | €1.68B |
| Investments In Subsidiaries Joint Ventures and Associates | €465.0M | €280.0M |
| Issued Capital | €821.0M | €821.0M |
| Lease Liabilities | €721.0M | €691.0M |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €84.0M | €93.0M |
| Loans and Advances To Banks At Amortised Cost | €20.83B | €26.97B |
| Loans and Advances To Customers At Amortised Cost | €222.22B | €209.03B |
| Loans and Advances To Customers At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €1.52B | €1.11B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €211.0M | €154.0M |
| Other Adjustments To Reconcile Profit Loss | €187.0M | -€43.0M |
| Other Assets | €1.30B | €1.07B |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €3.0M | €0 |
| Other Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €25.0M | -€19.0M |
| Other Comprehensive Income | €237.0M | -€158.0M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | -€7.0M | €29.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€12.0M | -€59.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | €194.0M | -€195.0M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €33.0M | €45.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €4.0M | €7.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €41.0M | €19.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €212.0M | -€139.0M |
| Other Liabilities | €2.71B | €2.66B |
| Other Operating Income Expense | -€158.0M | -€414.0M |
| Proceeds From Changes In Ownership Interests In Subsidiaries | €1.0M | €50.0M |
| Proceeds From Sales of Investment Property | €12.0M | €12.0M |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €28.0M | €21.0M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €62.0M | €51.0M |
| Provisions | €1.42B | €1.63B |
| Purchase of Investment Property | €341.0M | €84.0M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | -€57.0M | €47.0M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €19.0M | -€10.0M |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Before Tax | -€1.0M | €0 |
| Rental Income From Investment Property | €179.0M | €210.0M |
| Revenue From Dividends | €36.0M | €39.0M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €46.0M | €27.0M |
| Trade and Other Receivables | €2.95B | €2.68B |
| Trading Income Expense | €313.0M | €519.0M |
| Weighted Average Number of Instruments Used In Calculating Basic Earnings Loss Per Instrument Participating Equity Instruments Other Than Ordinary Shares | 408.9M | 415.9M |
Methodology
Every line item above is a fact tagged in ERSTE GROUP BANK 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.