EBO Balance Sheet - Erste Group Bank AG

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Price: 117 EUR -0.76% Market Closed

Market Cap: €46.6B

Financial profile · Q3 FY2026

A deposit-funded Central European bank with broadening earnings and acquisition-driven scale

Across its multi-year history, Erste’s earnings have grown alongside net interest and fee income, while operating expenses rose more slowly than revenue. Its established customer-banking model now includes a material Polish operation, making reported growth less directly comparable with the earlier period.

What is developing

The latest results show continued expansion in interest and fee income, alongside a substantial step-up in reported scale following the first-time consolidation of Erste Bank Polska. This broadens the group without, on these results alone, establishing a change in its underlying banking model.

What matters next

Whether net interest and fee income excluding Poland continue to grow faster than operating expenses in subsequent reports.

Metric	FY2016 Dec 2016	FY2017 Dec 2017	FY2018 Dec 2018	FY2019 Dec 2019	FY2020 Dec 2020	FY2021 Dec 2021	FY2022 Dec 2022	FY2023 Dec 2023	FY2024 Dec 2024	FY2025 Dec 2025
Net Loans	130.7B	139.5B	148B	158.9B	164.7B	178.1B	199.7B	205.2B	215.4B	229B
Investments	57.5B	54.7B	58.2B	58.1B	67.7B	77.5B	80B	85.4B	95.9B	99.1B
PP&E Net	2.5B	2.4B	2.3B	2.6B	2.6B	2.6B	2.6B	2.6B	2.8B	2.9B
PP&E Gross	2.5B	2.4B	2.3B	2.6B	2.6B	2.6B	2.6B	2.6B	2.8B	2.9B
Accumulated Depreciation	(2.6B)	(2.7B)	(2.6B)	(2.4B)	(2.3B)	(2.3B)	(2.3B)	(2.3B)	(2.3B)	(2.3B)
Intangible Assets	680m	812m	795m	821m	815m	812m	791.1m	769m	773m	792m
Goodwill	710m	712m	712m	547m	544m	550m	556m	544m	609m	621m
Long-Term Investments	193m	198m	198m	163m	190m	211m	208.6m	241m	280m	465m
Other Long-Term Assets	513m	472m	615m	746m	672m	635m	795.9m	631m	420m	382m
Other Assets	1.9B	1.6B	1.7B	1.6B	1.5B	1.7B	1.9B	1.6B	1.7B	2B
Total Assets	208.2B	220.7B	236.8B	245.7B	277.4B	307.4B	323.9B	337.2B	353.7B	368.6B
Short-Term Debt	1.7B	2.1B	2.9B	3.1B	2.2B	1.6B	3.2B	7.4B	11.3B	9.1B
Current Portion of Long-Term Debt	—	—	—	—	—	—	—	—	103m	115m
Total Deposits	151B	165.3B	177.4B	183.4B	213.6B	240.8B	249.6B	248.4B	251.6B	260.8B
Other Current Liabilities	66m	101m	99m	61m	59m	144m	127.3m	265m	241m	323m
Total Current Liabilities	1.8B	2.2B	3B	3.1B	2.3B	1.7B	3.3B	7.6B	11.7B	9.5B
Long-Term Debt	27.2B	25.1B	29.7B	30.9B	31.2B	32.7B	36.6B	44.4B	52.5B	55.5B
Deferred Income Tax	68m	61m	23m	18m	20m	19m	15.6m	14m	31m	52m
Minority Interest	4.1B	4.4B	4.5B	4.9B	5.1B	5.5B	6B	6.9B	7.6B	8.4B
Other Liabilities	11.7B	9.8B	7.8B	7.8B	7.8B	8.6B	9.1B	8.2B	7.2B	8B
Total Liabilities	195.8B	206.8B	222.4B	230.1B	260.1B	289.4B	304.5B	315.5B	330.6B	342.3B
Common Stock	860m	860m	860m	860m	860m	860m	859.6m	843m	821m	821m
Retained Earnings	10B	10.9B	11.8B	12.7B	13.5B	14.7B	16.3B	18.1B	19.4B	21.6B
Additional Paid In Capital	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B
Unrealized Security Profit/Loss	632m	545m	229m	260m	239m	115m	(264.1m)	51m	69m	87m
Other Equity	(487m)	130m	(36m)	326m	1.3B	820m	974.6m	1.2B	1.3B	2.3B
Total Equity	12.5B	13.9B	14.4B	15.6B	17.3B	18B	19.3B	21.6B	23.1B	26.3B
Total Liabilities & Equity	208.2B	220.7B	236.8B	245.7B	277.4B	307.4B	323.9B	337.2B	353.7B	368.6B
Common Shares Outstanding	409m	409m	409m	408m	405m	405m	407.2m	399.3m	388.1m	388.4m