Business
BKS Bank : 1Q 2026 Report
BKS Bank : 1Q 2026
About this update from Bks Bank Ag
At a Glance Klagenfurt, 13 May 2026 Income Statement, EUR mn 3M25 3M26 Change in % Net interest income 61,6 54,7 -11,2 Loan loss provisions -7,4 -9,8 32,2 Fees and commission 18,3 20,1 10,0 Operating expenses -40,5 -42,4 4,7 Profit before tax 44,3 37,1 -16,3 thereof Corporate 21,5 20,5 -4,7 thereof Retail 8,9 8,3 -7,4 thereof Financial Markets 19,3 12,8 -33,8 thereof Other -5,4 -4,4 17,7 Profit after tax 38,7 31,9 -17,4 Balance Sheet, EUR mn FY25 1Q26 Total assets 11.150,8 11.238,3 0,8 Loans and advances to customers 7.543,1 7.691,4 2,0 Primary funds 8.507,7 8.477,4 -0,4 thereof savings deposits 700,9 650,5 -7,2 thereof debt securities issued, incl. subordinated debt 1.459,3 1.481,6 1,5 Shareholders' equity 2.062,7 2.097,7 1,7 Customer funds under management 23.320,2 23.678,2 1,5 thereof on custody accounts 14.812,5 15.200,8 2,6 Own Funds Pursuant to CRR, EUR mn FY25 1Q26 Total risk exposure amount (TREA) 7.196,4 7.295,3 1,4 Own funds 1.390,5 1.378,2 -0,9 thereof common equity Tier 1 (CET1) capital 1.079,2 1.062,0 -1,6 thereof Tier 1 capital (CET1 and AT1) 1.144,4 1.127,2 -1,5 CET1 ratio, % 15,0 14,6 -0,4 Tier 1 capital ratio, % 15,9 15,5 -0,4 Total capital ratio, % 19,3 18,9 -0,4 Key Performance Ratios 3M25 3M26 Change in p.p. ROE before tax 8,3 8,4 0,1 ROE after tax 7,4 7,5 0,1 ROA before tax 1,5 1,6 0,1 ROA after tax 1,3 1,4 0,1 Cost/income ratio 44,6 47,7 3,1 Risk/earnings ratio 12,0 17,9 5,9 Risk costs, bps 36,9 48,8 11,9 NPL ratio 3,2 3,5 0,3 Leverage ratio 9,6 10,1 0,5 Liquidity coverage ratio (LCR) 194,8 188,8 -6,0 Net stable funding ratio (NSFR) 121,0 127,7 6,7 Resources FY25 1Q26 Change in % Average headcount 1.032 1.016 -1,6 Number of branches 63 63 - BKS Bank Share FY25 1Q26 - Shares in issue, million1 45,7 45,7 High, EUR 18,40 20,80 13,0 Low, EUR 14,90 18,40 23,5 Close, EUR 18,40 20,60 12,0 Market capitalization, EUR mn1 842,8 943,6 12,0 Price-book ratio1 0,42 0,46 10,0 1As of end of period. Income Statement Highlights 3M26 vs. 3M25 Interest income recedes as positive one-off effect in 1Q25 no longer applies Strong and persistent growth in fee & commission income as key result driver Slightly elevated loan loss provisions in foresight to macroeconomic outlook Profit after tax decreased by 17.4% to EUR 31.9mn in 1Q26. One of the main reasons was a reported one-off payout of a non-consolidated entity in 1Q25. Adjusted for this extraordinary...