Bks Bank Ag · VIE:BKS
Bks Bank — Investor Presentation (November 2025)
33 slides from Bks Bank's investor presentation, November 2025
Slide 1: Investor Presentation
Investor Presentation November 2025
Slide 2: Contents
Contents 1. Introduction to BKS Bank 2 1.2. Why Invest 14 2.3. Appendix 22 3.4. Glossary, Contacts, Disclaimer 30
Slide 3: Who is BKS Bank?
Who is BKS Bank? A Bank with a Unique Business Setup • Independent and Stock-Listed Total Assets ~EUR 11bn, Market Capitalization ~EUR 800mn • Regional and International Based in Austria – present in Slovenia, Croatia, Slovakia and Serbia • Personal and Digital 63 bank branches – product range fully
Slide 4: A Universal Bank
A Universal Bank A Full Range of First-Class Quality Services Corporate & Retail Banking Asset Real Estate Management Private Treasury Banking Custodian Leasing Bank Insurance Broker 4
Slide 5: A Solid Bank
A Solid Bank Stable Ownership, Sound Credit Ratings Shareholder Structure S&P Credit Ratings % Employees Rating Outlook 23,4 Free Float 3,4 Long-term issuer rating BBB+ stable 43,4 Mortgage-backed cover pool AAA stable 3-Banken 29,8 Syndicate Stand-Alone Credit Profile bbb stable (SACP) UniCredit Al
Slide 6: Corporate Banking Origins
Corporate Banking Origins Growth Focus on Retail Assets Liabilities & Equity EUR bn EUR bn 11,1 11,1 Other 1,2 Performing Loans Other 1,6 Customer Deposits Securities Breakdown Breakdown 1,6 Wholesale 0,5 Portfolio Funding Corporate Customer Demand Deposits Net Other Deposits Loans Corporate Other C
Slide 7: Strong Track Record
Strong Track Record Strict Discipline Drives Growth Operating Income Operating Expenses Cost-income Ratio % Key Drivers EUR mn EUR mn +31% -24% 162 153 +68% 136 54 55 404 391 123 124 50 Margin 232 251 246 AEI F&C 39 41 % over Volume NII Cost Discipline FY20 FY21 FY22 FY23 FY24 FY20 FY21 FY22 FY23 FY
Slide 8: Diverse Loan Portfolio
Diverse Loan Portfolio A Balanced Diversification By Geography By Borrower Real Estate By Rating <BB Developers ≥AA Slovenia Commercial Real Estate Total A Total Ø Rating EUR 7.7bn EUR 7.7bn BB Croatia Residential Slovakia Mortgages Austria Other BBB Other BB Corporate Other By Interest Rate Consume
Slide 9: Earnings Growth Creates Ample Buffer
Earnings Growth Creates Ample Buffer Organic Expansion with Comfortable Capital Position Tier 1 Capital Development Capital Ratios and Requirements EUR mn +10% % of TREA 47 18,7 -18 -36 163 -45 -89 326 15,3 5,4 Buffer 14,4 4,6 5,7 2,8 CBR 1.073 2,8 2,5 P2R 973 2,8 1,9 725 13,3 P1R 1,4 10,7 8,7 8,0 6
Slide 10: Sound Asset Quality
Sound Asset Quality Conservative Risk Approach Gross Loans by Stage Non-Performing Loans, 3Q25 Loan Loss Provisions EUR mn EUR bn By Geography Cost of Risk bps, rhs 8 Forborne 50 50 Stage 3 Stage 2 6 Slovenia 25 25 Austria Croatia 4 0 0 Stage 1 Slovakia FY21 FY22 FY23 FY24 9M23 Other 2 By Borrower C
Slide 11: Varied Sources of Liquidity
Varied Sources of Liquidity Best-in-Class Liquidity Position Liquid Assets High Quality Liquid Assets EUR bn By Issuer 183% 0,7 2,6 LCR Treasuries & Other Public Bonds 1,9 125% NSFR Cash & Extremely High-Quality Holdings in Covered Bonds 88% Central Banks Other LDR By Origin EU Institutions Western
Slide 12: First Mover in Sustainable Banking
First Mover in Sustainable Banking A Long-Standing Tradition Position within Results peer group Sustainability Pioneer on the Vienna Stock Exchange A Mid tier First C+ Top 5% Social Bond Issuer Top 20 B+ in Austria Among the First Quality and ESG certifications Green Bond Issuers Won VÖNIX Sustainab
Slide 13: Ambitious Digitalization Efforts
Ambitious Digitalization Efforts Close Client Relationships Also Online Major Digitalization Achievements and Ambitions Digitalization Objectives • Meet customers’ financial needs in a proactive, seamless and innovative manner Instant Digital Identity Online Mortgage Integrated E-shop Mobile Account
Slide 14: Contents
Contents 1.1. Introduction to BKS Bank 2 2. Why Invest 14 1.3. Appendix 22 2.4. Glossary, Contacts, Disclaimer 30
Slide 15: Why Invest in BKS Bank?
Why Invest in BKS Bank? Driving Value Growth While Balancing Risk and Return • Recovering Economy • New Rail Connection as Catalyst • Digitalization Leader OWTH • Good Capital GR • Growing Ratios Dividends RETU ISK RN • Low-Risk R • Valuation Business Model Upside • Sustainability • A Fresh Focus Sh
Slide 16: Rising Loan Volume, Growing Client Pool
Rising Loan Volume, Growing Client Pool A Favorable Position for Growth Total Loans Outstanding in Austria Population and Number of SMEs in Austria EUR bn 850 9,2mn 620k 800 9,0mn 580k 750 700 8,8mn 540k FY20 FY21 FY22 FY23 FY24 FY20 FY21 FY22 FY23 FY24 Population No. of SMEs (rhs) Source: Statistic
Slide 17: Koralm Tunnel as Economic Catalyst
Koralm Tunnel as Economic Catalyst A Game Changer for Southeastern Austria • New tunnel creates high-speed Klagenfurt-Graz rail connection Cuts travel time to 45 minutes starting late 2025 • Stimulates labor market as daily commutes become possible • Incentivizes investment in industrial production
Slide 18: CEE Adds to Growth Perspective
CEE Adds to Growth Perspective Above-Average Expansion in Foreign Markets GDP Development Slovakia Forecast % 2,1 2,1 1,6 2,5 0,8 Austria 0,2 0,9 1,6 -0,6 -0,8 Slovenia Serbia 2,1 1,6 1,3 2,2 2,3 5,1 3,3 3,7 4,0 2,3 Croatia 3,8 3,8 3,1 2,8 2,6 Source: Bloomberg as of 6.11.2025 18
Slide 19: Private Pension Need Drives F&C Outlook
Private Pension Need Drives F&C Outlook Thanks to Growing Life Expectancy and Prosperity Baby Boomers Reach Retirement Age Value of Assets that Austrians own Number of Annual Births in Austria EUR bn 150k 2500 Cohorts in working age Pension Cohorts approaching retirement obligations Other financial
Slide 20: Committed to Shareholder Value
Committed to Shareholder Value The BKS Share is a Reliable Long-Term Investment BKS Bank Share Price Dividend per Share EUR EUR cent 40 20 30 15 Total shareholder 10 return 20 389.3% 5 10 0 0 1990 1992 1994 1996 1998 2014 2016 2018 1988 2010 2012 1986 2004 2006 2008 2000 2002 2024 2020 2022 1994 199
Slide 21: Final Remarks
Final Remarks An Excellent Investment Opportunity • A Well-Kept Universal Bank Solid Structure, Well Diversified, Growing Profitability • Deep Regional Roots, Strong Personal Relationships Corporate and Retail, in Person and Online • A Multitude of Growth Perspectives Several Expansion Catalysts in
Slide 22: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 14 3. Appendix 22 1.4. Glossary, Contacts, Disclaimer 30
Slide 23: Stable Returns
Stable Returns Driven by Interest and Financial Services Net Interest Income 248,6 241,6 EUR mn • Interest income defies current rate reduction trend • Balanced business model thanks to two distinct pillars 156,6 136,5 138,9 • Attractive offers for corporate clients fosters F&C income FY20 FY21 FY22
Slide 24: Outstanding Retail Banking
Outstanding Retail Banking Happy Clients, Growing Business Retail Term- and Demand Deposits Client Satisfaction Survey EUR bn 2024 Results 2,4 +57% 1,9 1.4 Client 1,4 Satisfaction1 FY20 FY21 FY22 FY23 FY24 Number of Retail Accounts 93k +9% 57% Net Promoter 89k Score 85k FY20 FY21 FY22 FY23 FY24 1Sat
Slide 25: Expanding Corporate Banking
Expanding Corporate Banking Driven by Adoption of Digital Solutions Loan Demand EUR bn 6,2 +20% 5,8 5,4 5,0 FY20 FY21 FY22 FY23 FY24 Number of Corporate Clients 35% 28k 30% 27k 25% 25k 20% FY20 FY21 FY22 FY23 FY24 Thereof digitally active (rhs) For abbreviations, please consult glossary. 25
Slide 26: BKS is a Sustainable Banking Pioneer
BKS is a Sustainable Banking Pioneer A Sprouting Business Sustainable Product Volume Sustainable Asset Register EUR bn % of Finance Pool 1,6 Other 1,2 Equipment Total 0,8 Construction EUR 611.4mn E-Mobility Ecological 0,4 Real Estate Sustainable Real Estate1 Social 0,0 Real Estate FY20 FY21 FY22 FY2
Slide 27: Resilient Real Estate Portfolio
Resilient Real Estate Portfolio An Important Backbone to Our Business Loan to Value Distribution Cover Pool Utilization Cover Pool to 100% of Austrian Origin % % By Austrian Province 90 50 Other Austria 25 45 Burgenland Carinthia 0 Lower <60 60-70 70-80 80-90 >90 0 Austria Average Loan Size Weighted
Slide 28: Seasoned Leadership
Seasoned Leadership 140 Years of Combined Experience CEO CFO/CRO Digitalization Foreign Markets Chairwoman SB Nikolaus Juhász Claudia Höller Dietmar Renata Maurer Sabine Urnik Böckmann Nikolic Responsible for Responsible for Professor of Domestic Business, Risk, Controlling, Back Responsible for Res
Slide 29: 9M25 Pre-Tax Result Development
9M25 Pre-Tax Result Development Maintaining an Elevated Level of Profitability Pre-Tax Result EUR mn 186,8 3,1 6,3 • NII balanced thanks to divestment 7,3 proceeds 9,9 7,4 2,1 155,2 • F&C profit from security business 125,2 and payment transactions • LLP up on weak macro environment in Austria • OPE
Slide 30: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 14 3.3. Appendix 22 4. Glossary, Contacts, Disclaimer 30
Slide 31: Glossary
Glossary AEI DPS NSFR At equity income Dividend per share Net stable funding ratio AT1 ESG OPEX Additional tier 1 Environmental, social, governance Operating expenses bps FX P1R Basis points Foreign exchange Pillar 1 requirement CAGR F&C P2R Compound annual Fees & commission Pillar 2 requirement gro
Slide 32: Contacts
Contacts Mag. Philipp Chladek Investor Relations Ferdinand Pinkelnig philipp.chladek@bks.at Treasury & Financial Institutions +43 664 805 567 025 ferdinand.pinkelnig@bks.at 32
Slide 33: Disclaimer and Imprint
Disclaimer and Imprint Information contained in this Presentation This presentation is based on carefully compiled information. The information contained in this presentation has been provided by BKS Bank AG and has not been verified independently. Unless otherwise stated, BKS Bank AG is the source