Bks Bank Ag · VIE:BKS
Bks Bank — Investor Presentation (April 2026)
34 slides from Bks Bank's investor presentation, April 2026
Slide 1: Investor Presentation
Investor Presentation April 2026
Slide 2: Contents
Contents 1. Introduction to BKS Bank 2 1.2. Why Invest 18 2.3. Appendix 27 3.4. Glossary, Contacts, Disclaimer 31
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 900mn • Regional and International Based in Austria – present in Slovenia, Croatia, Slovakia and Serbia • Personal and Digital 63 bank branches – product range full
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 Services Custodian Leasing Bank Insurance Sales 4
Slide 5: A Solid Bank
A Solid Bank Stable Ownership, Sound Credit Ratings Shareholder Structure S&P Credit Ratings % Employees Rating Outlook 22,8 3,4 Free Float Long-term issuer rating BBB+ stable 43,4 Mortgage-backed cover pool AAA stable 30,4 Stand-Alone Credit Profile 3 Banks bbb stable (SACP) Syndicate UniCredit All
Slide 6: Corporate Banking Origins
Corporate Banking Origins Growth Focus on Retail Performing Loans Development Primary Funds Development EUR bn EUR bn 8,5 8,5 Corporate Demand Deposits 8,0 8,0 Corporate Other Term Deposits 7,5 Corporate 7,5 Retail Other Term Deposits Consumer Own Retail 7,0 7,0 Residential Issues Demand Deposits Mo
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 55 404 391 162 166 50 376 153 44 136 41 Margin 251 246 AEI F&C 124 39 % over Volume NII FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 € C
Slide 8: 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 +7% % of TREA 19,3 38 -45 -126 147 -23 -53 15,9 5,8 15,0 Buffer 406 5,0 6,1 3,0 CBR 1.144 3,0 2,5 P2R 1.073 3,0 1,9 13,5 800 P1R 1,4 10,9 8,9 8,0
Slide 9: Sound Asset Quality
Sound Asset Quality Conservative Risk Approach NPL-Ratio Loan Loss Provisions EUR mn % Cost of Risk bps, rhs 50 50 FY21 FY22 FY23 FY24 FY25 2.2 2.1 2.9 3.2 3.5 25 25 Non-Performing Loans, FY25 0 0 By Geography By Borrower Commercial FY21 FY22 FY23 FY24 FY25 Real Estate Equity Capital PV Sensitivity
Slide 10: Varied Sources of Liquidity
Varied Sources of Liquidity Best -in -Class Liquidity Position Liquid Assets High Quality Liquid Assets EUR bn By Issuer 214% 0,7 2,5 LCR Treasuries & Other Public Bonds 128% 1,8 NSFR Cash & Extremely High -Quality Holdings in Central Banks Covered Bonds 86% Other LDR By Origin EU Institutions Weste
Slide 11: Raised Capital Market Activity
Raised Capital Market Activity Enhanced International Presence Own Issues EUR bn 1,5 1,0 Senior Preferred Bond Private Placement Retail 0,5 0,0 FY21 FY22 FY23 FY24 FY25 11
Slide 12: Stable Returns
Stable Returns Slight NII Reduction Overcompensated by F&C Growth Net Interest Income EUR mn 248,6 241,6 230,2 • Interest income widely defied the past rate reduction measures • We took advantage of the low interest level to expand our long- 156,6 term refinancing by placing a EUR 250mn Senior Prefe
Slide 13: Outstanding Retail Banking
Outstanding Retail Banking Happy Clients, Growing Business Retail Term- and Demand Deposits Client Satisfaction Survey EUR bn 2025 Results 2,6 +47% 2,3 2,0 95% Client 1,7 Satisfaction1 FY21 FY22 FY23 FY24 FY25 Number of Retail Accounts 95k +6% +72 Net Promoter 91k Score 87k FY21 FY22 FY23 FY24 FY25
Slide 14: Expanding Corporate Banking
Expanding Corporate Banking Driven by Adoption of Digital Solutions Loan Demand EUR bn 6,3 +15% 6,0 5,7 5,4 FY21 FY22 FY23 FY24 FY25 Number of Corporate Clients Thereof Digitally Active %, rhs 70 28k 60 27k 50 25k 40 FY21 FY22 FY23 FY24 FY25 For abbreviations, please consult glossary. 14
Slide 15: 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 Sustaina
Slide 16: 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 Other 2,0 Equipment Construction 1,5 E-Mobility Sustainable Real Estate 1 Total 1,0 EUR 661.1mn Ecological 0,5 Social Real Estate Real Estate 0,0 FY21 FY22 FY23 FY
Slide 17: 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 18: Contents
Contents 1.1. Introduction to BKS Bank 2 2. Why Invest 18 1.3. Appendix 27 2.4. Glossary, Contacts, Disclaimer 31
Slide 19: 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 20: 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 FY19 FY20 FY21 FY22 FY23 FY24 Population No. of SMEs (rhs) Source: Stat
Slide 21: 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 from 3,5 hours previously • Creates Austria’s 2nd largest economic zone with a population of 1mn Stimulates labor market as dail
Slide 22: CEE Adds to Growth Perspective
CEE Adds to Growth Perspective Above -Average Expansion in Foreign Markets Slovakia GDP Development Forecast % 2,0 0,8 2,1 2,3 1,3 Austria 0,7 0,9 1,5 1,4 -0,8 Slovenia Serbia 1,0 2,3 2,3 2,4 1,8 3,3 3,2 3,9 3,8 2,2 Croatia 3,8 3,2 2,7 2,6 2,6 Source: Bloomberg as of 10.3.2026 22
Slide 23: 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 24: Security Ownership in Austria
Security Ownership in Austria Growing Trend, Promising Potential Security Ownership in Austria Potential of Security Ownership in Austria % of adult population Mn people, % of adult population 25 4 20 3 19% 15 16% 2 17% 10 31% 15% 1 24% 5 18% 11% 0 0 FY22 FY23 FY24 FY25 Securities Investment Shares
Slide 25: 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 20 447.5% 5 10 0 0 1992 2012 1994 2014 1996 2016 1986 1998 2018 1988 1990 2010 2022 2024 2002 2020 2004 2006 2008 2000 1992 20
Slide 26: 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 27: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 18 3. Appendix 27 1.4. Glossary, Contacts, Disclaimer 31
Slide 28: 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 BB BBB Other Corporate Other By Interest Rate Consume
Slide 29: 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 % % 90 50 25 45 Rural areas 0 <60 60-70 70-80 80-90 >90 0 Total Average Loan Size Weighted Average LTV EUR 627.3 mn EUR mn % 0,45 50 0,30 Urba
Slide 30: Seasoned Leadership
Seasoned Leadership 130 Years of Combined Experience CEO CFO/CRO Digitalization Foreign Markets Chairwoman SB Nikolaus Clemens Dietmar Renata Maurer Sabine Urnik Juhász Bousquet Böckmann Nikolic Professor of Accounting and Responsible for Responsible for Responsible for Responsible for Business Taxa
Slide 31: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 18 3.3. Appendix 27 4. Glossary, Contacts, Disclaimer 31
Slide 32: Glossary
Glossary AEI DPS NPL Ratio At equity income Dividend per share NPL/total loans AT1 ESG Additional tier 1 Environmental, social, governance NSFR Net stable funding ratio bps FX Basis points Foreign exchange OPEX Operating expenses CAGR F&C Compound annual Fees & commission P1R growth rate Pillar 1 re
Slide 33: 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 33
Slide 34: 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