BAWAG Group AG (BWAGF) This autumn 2025 Earnings Name February 11, 2026 4:00 AM EST
Firm Contributors
Anas Abuzaakouk – Chairman of the Administration Board & CEO
Enver Sirucic – CFO, Deputy CEO & Member of Administration Board
Convention Name Contributors
Gabor Kemeny – Bernstein Autonomous LLP
Hugo Moniz Marques Da Cruz – Keefe, Bruyette, & Woods, Inc., Analysis Division
Jeremy Sigee – BNP Paribas, Analysis Division
Borja Ramirez Segura – Citigroup Inc., Analysis Division
Amit Ranjan – JPMorgan Chase & Co, Analysis Division
Presentation
Operator
Good day, and thanks for standing by. Welcome to the BAWAG Group Full Yr 2025 Outcomes Name. (Operator Directions) Please be suggested that right this moment’s convention is being recorded. There may also be a transcript on the corporate’s web site.
I might now like handy the convention over to your speaker right this moment, Anas Abuzaakouk, CEO of the corporate. Please go forward.
Anas Abuzaakouk
Chairman of the Administration Board & CEO
Thanks, operator. Good morning, everybody. I hope everyone seems to be maintaining properly. I am joined this morning by Enver, our CFO. So we’ve got lots to cowl. Let’s soar proper into it with a abstract of full yr 2025 outcomes on Slide 3. For the total yr 2025, we delivered a file internet revenue of EUR 860 million earnings per share of EUR 10.87 and a return on tangible widespread fairness of 27%. The underlying working efficiency of our enterprise was very robust with pre-provision income of EUR 1.42 billion, up 31% versus prior yr and a cost-to-income ratio of 36%. Complete danger prices have been EUR 228 million with an NPL ratio of 80 foundation factors. The fourth quarter was notably robust with a internet revenue of EUR 230 million, a return on tangible widespread fairness of 28% and a robust springboard as we entered 2026.
We exceeded