Bks Bank Ag · VIE:BKS
Bks Bank — Investor Presentation (August 2026)
42 slides from Bks Bank's investor presentation, August 2026
Slide 1: Investor Presentation
Investor Presentation August 2026
Slide 2: Contents
Contents 1. Introduction to BKS Bank 2 1.2. Why Invest 16 2.3. Appendix 29 3.4. Glossary, Contacts, Disclaimer 39
Slide 3: Who is BKS Bank?
Who is BKS Bank? A Bank with a Unique Business Setup • Independent and Stock -Listed Total Assets ~EUR 11,5bn, Market Capitalization ~EUR 1bn • 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 bbb stable Syndicated (SACP) UniCredit All data a
Slide 6: Corporate Banking Origins
Corporate Banking Origins Growth Focus on Retail Performing Loans Development Primary Funds Development EUR bn EUR bn 8,8 7,8 Corporate 8,4 7,6 Demand Deposits Corporate Other 8,0 Term Deposits 7,4 Corporate Other 7,6 Retail 7,2 Term Deposits Consumer Own Residential 7,2 Issues Retail 7,0 Mortgages
Slide 7: 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 7.9bn EUR 7.9bn BB Croatia Residential Slovakia Mortgages Austria Other BBB Other BB Corporate Other Consumer By Interest Rat
Slide 8: 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 9: 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 10: 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 % of TREA +7% 19,7 -23 16,2 6,2 15,3 Buffer -53 147 5,3 6,4 3,0 CBR 3,0 2,5 P2R 1.144 3,0 1,9 13,5 P1R 1,4 10,9 1.073 8,9 8,0 6,0 4,5 FY24 Earnin
Slide 11: Available Funds vs. MREL
Available Funds vs. MREL Funds Well Above Requirement MREL Requirement and Available Funds in % of TREA 37,9 3,4 Deposits 14,1 SP ≥1Y 23,2 0,2 SNP ≥1Y CBR 2,99 0,5 Subordinated 3,5 T2 Minimum 0,9 AT1 Requirement CET1 20,21 15,3 Available Funds Requirement All data as of 30.06.2026. For abbreviations
Slide 12: Sound Asset Quality
Sound Asset Quality Conservative Risk Approach NPL-Ratio % Non-Performing Loans, 1H26 Cost of Risk NPL Coverage Ratio III %, rhs By Geography bps 60 5 100 Slovenia NPL - Ratio 30 Austria 3.3% Croatia Austria 4 Abroad 3.6% Slovakia 0 Other FY22 FY23 FY24 FY25 1H26 3 75 By Segment Equity Capital PV Se
Slide 13: Varied Sources of Liquidity
Varied Sources of Liquidity Best -in -Class Liquidity Position Liquid Assets High Quality Liquid Assets EUR bn By Issuer 2,7 0,7 Treasuries & 233% Other Public Bonds LCR 2,0 Cash & Extremely High -Quality Holdings in Covered Bonds 131% Central Banks Other NSFR By Origin EU Institutions Western 88% E
Slide 14: 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 Other Ratings and Certifications Green Bond Issuers Won VÖNIX Sustai
Slide 15: 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 2,0 Other 1,5 Equipment Total 1,0 EUR 743.2mn Construction E-Mobility Ecological 0,5 Sustainable Real Estate Real Estate 1 Social 0,0 Real Estate FY21 FY22 FY23 FY
Slide 16: Contents
Contents 1.1. Introduction to BKS Bank 2 2. Why Invest 16 1.3. Appendix 29 2.4. Glossary, Contacts, Disclaimer 39
Slide 17: 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 GR • High Capital & • Growing Dividends RETU MREL-Buffers ISK R RN • Low-Risk • Valuation Business Model Upside • Sustainability • A Fresh
Slide 18: 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 610k 9,2mn 825 600k 9,0mn 800 590k 775 8,8mn 580k FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Population No. of SMEs (rhs) Source: Stat
Slide 19: 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 20: CEE Adds to Growth Perspective
CEE Adds to Growth Perspective Above -Average Expansion in Foreign Markets Slovakia GDP Development Forecast % 2,0 0,8 0,6 1,2 1,3 Austria 1,0 0,6 1,2 1,3 -0,9 Slovenia Serbia 1,0 1,8 0,6 1,2 1,3 3,5 2,2 0,6 1,2 1,3 Croatia 3,8 3,4 0,6 1,2 1,3 Source: Bloomberg as of 30.7.2026 20
Slide 21: 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 22: Strong Growth in Managed Funds
Strong Growth in Managed Funds Our clients appreciate a close relationship with their bank Primary Funds EUR bn Customer Funds under Management EUR bn YOY Change %, rhs YOY Change %, rhs 10 30 20 5 5 10 10 0 0 0 0 -5 -10 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 22
Slide 23: 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 24: Residential Real Estate in Austria
Residential Real Estate in Austria While Prices Recover, Affordability Returns Austrian RRE Price Rebound Continues Austrian RRE Affordability is Improving RRE Price Index (1Q05=100) RRE Price Index vs. Household Income 300 300 250 250 200 200 150 150 100 100 50 50 2005 2010 2015 2020 2025 2000 2005
Slide 25: Considerable Valuation Upside
Considerable Valuation Upside BKS Bank Shares Trade at a Discount Compared to Austrian Peers Price-Book Value Development BKS Bank vs. Austrian Banking Peers 3 2 1 0 2021 2022 2023 2024 2025 Peer Group Range Peer Group Average BKS Bank Peer group consists of BAWAG, BTV, Erste Group, Oberbank, and RB
Slide 26: Committed to Shareholder Value
Committed to Shareholder Value The BKS Share is a Reliable Long -Term Investment BKS Bank Share Price EUR 21,6 Dividend per share EUR Cent +25% 50 Total +14% shareholder +40% 40 35 return * +9% 714.3% 23 25 2021 2022 2023 2024 2025 2026 FY21 FY22 FY23 FY24 FY25 Any investment in securities involves
Slide 27: Our Ambition
Our Ambition Growing to Become one of Austria’s Ten Largest Banks Profitability metrics Growth metrics % % 5,3 5,8 >7 44,2 >5 1,4 >4 Loans Primary Funds F&C <50 CET1-Ratio Dividend metrics % % 15 >15 30,6 8,3 25 >0 >35 >9 CIR ROE pre-tax DPS Growth Payout Ratio For abbreviations, please consult glos
Slide 28: 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 29: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 16 3. Appendix 29 1.4. Glossary, Contacts, Disclaimer 39
Slide 30: 1H26 Pre-Tax Result Development
1H26 Pre-Tax Result Development Maintaining an Elevated Level of Profitability Pre-Tax Result EUR mn +1,0 +3,6 +2,9 -8,8 -4,9 -2,0 • NII down because of a positive one-off effect in 1H25 • LLP up in context of restrained economic development in Austria 88,5 80,3 • F&C profit from payment services an
Slide 31: Mortgage Cover Pool
Mortgage Cover Pool Abundant Over -Collateralization Opens Bond Placement Opportunities Cover Pool Cover Pool: 100% Austrian EUR mn 874 Over- Collateralization Rural areas • S&P Cover Pool Rating: AAA/stable 502 Total • 99% of cover pool loans EUR 874 mn EUR-denominated • Over-collateralization: 135
Slide 32: A Resilient Real Estate Portfolio
A Resilient Real Estate Portfolio An Important Backbone to Our Business Cover Pool Utilization Average Loan Size EUR mn RRE Agriculture Offices 0,38 CRE RRE Other CRE Industry 0,16 Tourism Weighted Average LTV LTV Distribution % % 78,3 50 RRE CRE RRE 59,0 25 CRE 0 <60 60-70 70-80 80-90 >90 All data
Slide 33: 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 34: Seasoned Leadership
Seasoned Leadership 130 Years of Combined Experience CEO CFO/CRO Digitalization Foreign Markets Chairwoman SB Nikolaus Clemens Dietmar Renata Maurer Sabine Juhász Bousquet Böckmann Nikolic Urnik Responsible for Responsible for Responsible for Responsible for Professor of Domestic Business, Risk, Fin
Slide 35: Becoming BKS Bank
Becoming BKS Bank A Century of Success 1964 1922 1952 Launch of Retail Banking activities 1983 First branch outside Established Formation of the 1986 Carinthia as bank for partnership with Carinthian Oberbank and BTV entrepreneurs 1998 IPO at the 2000s Vienna Stock Exchange Strategic focus on Sustai
Slide 36: The Partnership with Oberbank and BTV
The Partnership with Oberbank and BTV A Reliable Structure for BKS Bank’s Sovereignty • Each bank owns a minority share in the two other banks • Syndicate agreements provide for joint conduct in certain corporate actions • No cross-guarantees nor mutual bail-out obligations • Jointly owned service a
Slide 37: Outstanding Retail Banking
Outstanding Retail Banking Happy Clients, Growing Business Retail Term- and Demand Deposits Client Satisfaction Survey EUR bn 2025 Results 2,6 95% +72 +47% Client Net Promoter 2,3 Satisfaction1 Score 2,0 1,7 “Recommender” Award 2026 FY21 FY22 FY23 FY24 FY25 Excellent Customer Orientation Number of R
Slide 38: 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. 38
Slide 39: Contents
Contents 1.1. Introduction to BKS Bank 2 2.2. Why Invest 16 3.3. Appendix 29 4. Glossary, Contacts, Disclaimer 39
Slide 40: Glossary
Glossary ADC CRE NPL Acquisition, development and Commercial real estate Non-performing loans construction DPS NSFR AEI Dividend per share Net stable funding ratio At equity income ESG OPEX AT1 Environmental, social, governance Operating expenses Additional tier 1 FX P1R bps Foreign exchange Pillar
Slide 41: Contacts
Contacts Dieter Kohl Ferdinand Pinkelnig Investor Relations Treasury & Financial Institutions investor.relations@bks.at ferdinand.pinkelnig@bks.at Scan QR-Code to download this presentation ➔ 41
Slide 42: 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