Bawag Group Ag · VIE:BG
Bawag — Shareholder Meeting (April 2026)
15 slides from Bawag's shareholder meeting presentation, Apr 22, 2026
Slide 1: BAWAG Group Annual General Meeting 2026
BAWAG GROUP Annual General Meeting 2026 February 11, 2026 22. April 2026
Slide 2: Building a Pan-European & U.S. Banking Group
BUILDING A PAN-EUROPEAN & U.S. BANKING GROUP Advancing our vision and delivering on our strategy COMPLEMENTING PRODUCT SUITE INVESTED INTO THE FRANCHISE EXPANDED INTO 6 COUNTRIES ~ 90% ~ 90% ~ 90% Retail & SME share of originations digital Euro countries Austria | Germany | Netherlands | Ireland Com
Slide 3: Unique Culture as Key Differentiator
UNIQUE CULTURE AS KEY DIFFERENTIATOR Our transformation over the years has been anchored to our culture WE ACT AS OWNERS & FIDUCIARIES Strong alignment with shareholder interests through meaningful share ownership … Management Board holds 4.7%, with 74% 5.3% Ownership by Senior Leadership Team inves
Slide 4: Consistent Delivery of Results
CONSISTENT DELIVERY OF RESULTS ONGOING DELIVERY OF RESULTS AND EXECUTION OF OUR STRATEGY HIGHLY PROFITABLE BUSINESS MODEL Net profit (€m) RoTCE (%) CIR (%) 8% CAGR +12pts 70% 860 27% (11)pts 47% 449 15% 36% 23 3% 2012 2017 2025 2012 2017 2025 2012 2017 2025 LEADING TO STRONG SHAREHOLDER VALUE CREATI
Slide 5: Continuing to Execute on Our Strategy
CONTINUING TO EXECUTE ON OUR STRATEGY GROWTH EFFICIENCY SAFE & SECURE RISK PROFILE FOCUSING ON ORGANIC COMMITMENT TO CORE MARKETS AA+ RATING GROWTH OPERATIONAL EXCELLENCE STRONG CAPITAL & LIQUIDITY INVESTING IN PARTERNSHIPS & CONTINUOUS IMPROVEMENT PLATFORMS MINDSET STRONG ASSET QUALITY PURSUING STR
Slide 6: Financial Developments 2025
FINANCIAL DEVELOPMENTS 2025 RECORD EARNINGS AND ALL 2025 TARGETS OUTPERFORMED Record earnings 2025 Change vs 2024 Earnings per share Net profit €860m +13% 12% 10.9 CAGR 9.6 RoTCE 26.9% +0.9pt 8.3 5.4 5.8 CIR 36.1% 2.6pts 4.5 4.4 4.7 3.2 EPS €10.87 +13% DPS €6.25 +14% 2017 2018 2019 2020 2021 2022 20
Slide 7: P&L & Key Ratios
P&L & KEY RATIOS P&L | € millions 2025 2024 vPY Balance Sheet & Capital | € millions 2025 2024 vPY Core revenues 2,207.1 1,621.7 36% Total assets 72,297 71,341 1% Net interest income 1,836.5 1,311.8 40% Cash 14,545 13,963 4% Net commission income 370.6 309.9 20% Interest-bearing assets 56,65
Slide 8: Capital Development – Highly Accretive Business Model
CAPITAL DEVELOPMENT – HIGHLY ACCRETIVE BUSINESS MODEL 417 BPS GROSS CAPITAL GENERATION THROUGH EARNINGS IN 2025 ACQUISITION (1.8) Barclays Consumer Bank Europe (rebranded to 4.3 easybank) acquired on February 1st, 2025 (2.3) 15,2 14.6 (1.2) 14.2 0.4 DIVIDEND €6.25 proposed to the Annual General Meet
Slide 9: Highlights Q1 2026
HIGHLIGHTS Q1 2026 FINANCIAL PERFORMANCE BALANCE SHEET & CAPITAL STRATEGIC UPDATE & TARGETS €232 million Net profit / +16% vPY +1% customer loan growth vPQ PTSB AS STRATEGIC OPPORTUNITY − BAWAG agreed recommended all cash offer for PTSB − PTSB with €30 billion assets … ~1.3m customers €579 million C
Slide 10: Growing Our Franchise
GROWING OUR FRANCHISE Opportunity to acquire third largest bank in Ireland ASSET STRUCTURE 3RD LARGEST − Retail-focused bank serving ~ 1.3 million customers 4% BANK IN − €22.2 billion customer loans, of which 90%+ residential mortgages 23% Customer loans IRELAND − €25.6 billion customer deposits, of
Slide 11: BAWAG and PTSB Combination
BAWAG AND PTSB COMBINATION STRATEGIC SCALE AND LONG-TERM VALUE CREATION PRO-FORMA BALANCE SHEET COMPOSITION DEAL RATIONALE STRATEGIC FIT DAY-1 FINANCIAL DISCIPLINED CAPITAL BAWAG1 PTSB1 Combined Delta 1 2 ACCRETION 3 ALLOCATION Assets €72b €30b €102b +40% Fully aligned with our long-term Full reinve
Slide 12: Deal Funding & Assumptions
DEAL FUNDING & ASSUMPTIONS Target to fully self-fund transaction (~450bps of CET 1 required) CET 1 Ratio EXCESS CAPITAL AS OF YEAR-END 2025 210bps Capital required to fund transaction CET 1 Management target >12.5% PLANNED MEASURES +250bps +250 bps 1o Dividend policy change for 2026 (~200bps in 1H 2
Slide 13: 2026 Outlook & Targets
2026 OUTLOOK & TARGETS RECONFIRMING TARGETS 2026 TARGET THROUGH-THE-CYLCE TARGETS NET PROFIT ROTCE >20% CIR <33% >€960m €860m €760m CET1 12.5% 2024 2025 2026
Slide 14: Disclaimer
DISCLAIMER Responsibility statements required by Irish Takeover Rules The directors of the management boards of each of BAWAG Group AG (“BAWAG” or “BAWAG Group”) and BAWAG PSK (the “BAWAG Directors”) accept responsibility for the information contained in this presentation. To the best of the knowled
Slide 15: Important Disclaimer
IMPORTANT DISCLAIMER: This presentation is prepared solely for the purpose of providing general information about BAWAG Group, Wiedner Gürtel 11, 1100 Wien. The information does not constitute investment or other advice or any solicitation to participate in investment business. This presentation doe