Klagenfurt, 20 November 2025 Financial Data
Income Statement (EUR mn) | 9M24 | 9M25 | Change in % |
Net interest income | 181.6 | 175.2 | -3.5 |
Risk provisions | -22.6 | -32.5 | 44.0 |
Fee and commission | 51.4 | 54.5 | 6.1 |
Operating Expenses | -117.7 | -125.1 | 6.3 |
Profit before tax | 155.2 | 125.2 | -19.3 |
Profit after tax | 136.7 | 111.8 | -18.3 |
Balance Sheet (EUR mn) | FY24 | 9M25 | |
Total assets | 11,072.3 | 11,058.4 | -0.1 |
Loans to customers | 7,441.4 | 7,559.4 | 1.6 |
Primary funds | 8,077.4 | 8,276.2 | 2.5 |
| 800.3 | 735.5 | -8.1 |
| 1,143.1 | 1,416.4 | 23.9 |
Shareholders' equity | 1,924.3 | 2,022.6 | 5.1 |
Customer funds under management | 21,141.4 | 22,992.2 | 8.8 |
| 13,064.0 | 14,716.0 | 12.6 |
Own funds pursuant to CRR (EUR mn) | FY24 | 9M25 | |
Total risk exposure amount | 6,695.3 | 7,218.6 | 7.8 |
Own funds | 1,296.6 | 1,347.0 | 3.9 |
| 1,007.3 | 1,036.7 | 2.9 |
| 1,072.4 | 1,101.9 | 2.8 |
Common equity tier 1 ratio (in %)1 | 15.0 | 14.4 | -0.6 |
Tier 1 capital ratio (in %)1 | 16.0 | 15.3 | -0.7 |
Total capital ratio (in %)1 | 19.4 | 18.7 | -0.7 |
Performance ratios | 9M24 | 9M25 | Change in %-Points |
RoE before tax (%) | 9.9 | 8.2 | -1.7 |
RoE after tax (%) | 8.9 | 7.3 | -1.6 |
RoA before tax (%) | 1.7 | 1.5 | -0.2 |
RoA after tax (%) | 1.5 | 1.3 | -0.2 |
Cost/income ratio (%) | 40.0 | 44.4 | 4.4 |
Risk/earnings ratio (%) | 12.4 | 18.6 | 6.2 |
Non-performing loan ratio (NPL ratio, %) | 3.1 | 3.5 | 0.4 |
Leverage ratio (%) | 9.3 | 10.0 | 0.7 |
Liquidity coverage ratio (LCR, %) | 192.2 | 183.0 | -9.2 |
Net stable funding ratio (NSFR, %) | 118.8 | 125.0 | 6.2 |
Risk cost (bps) | 32.3 | 39.1 | 6.8 |
Resources | FY24 | 9M25 | Change in %-Points |
Average headcount | 1,008 | 1,035 | 2.7 |
Number of branches | 63 | 63 | - |
BKS Bank Share | FY24 | 9M25 | |
Share price as per end of period (EUR) | 15.90 | 17.60 | 10.7 |
Book value per share (BPS) | 40.6 | 42.7 | 5.2 |
Price-book ratio (P/B) as per end of period | 0.4 | 0.4 | - |
Market capitalization in EUR mn | 728.3 | 806.2 | 10.7 |
1 Values for FY24 according to CRR II, values for 9M25 according to CRR III
Income Statement Highlights 9M25 vs. 9M24- Only minor interest income contraction despite considerably lower base rates
- Fees and commission strong thanks to securities business and payment services
-
Risk provisions - a consequence of lasting weak macro situation in Austria
Profit after tax decreased by 18.3% to EUR 111.8mn in 9M25, as growth in fees and commission could not fully offset the rise in risk provisions and operating expenses.
Net interest income decreased slightly by 3.5% to EUR 175.2mn, following the base rate reductions of the last 12 months and competitive margin pressure.
We had to raise risk provisions by 44.0% compared to the previous year to EUR 32.5mn, as a consequence of the weak macroeconomic development in Austria and following our strict value-preserving anticipative approach to risk. The amount is in line with our expectations and almost exclusively affected our Corporate and Business Banking segment.
Fees and commission improved by 6.1% to EUR 54.5mn. Growth in our securities business as well as in payment services was the strongest driver. We benefited from a favorable capital market environment combined with the introduction of new products. We are convinced that our strategic emphasis on personal client relationships and a modern digital product range in first-class quality are the cornerstones of this development. Operating expenses came in at EUR 125.1mn, a plus of 6.3%, mainly due to an increase in expenses pertaining to ongoing digitization efforts and the overall cost inflation. Balance Sheet Highlights 9M25 vs. FY24 - Total assets stable at EUR 11.1bn
- Loans to customers expanded despite sluggish economy
- Primary funds persistently strong
Notwithstanding the lingering phase of economic weakness in Austria, our balance sheet development is stable. Total assets amounted to EUR 11.1bn as of end-September 2025, which roughly corresponds to the year-end 2024 level. Next to the increase in loans to customers, securities also stepped up.
Loans to customers increased to EUR 7.6bn at the end of September, and thus were 1.6% higher than at year-end 2024.Our bank's traditional emphasis towards sustainability has paid off especially well in the past months. Sustainable financing solutions per 30 September rose to EUR 1.4bn, equaling an increase of 7.7% compared to the end of last year.
On the liabilities side, we were able to raise primary funds to EUR 8.3bn, albeit slightly below the mid-year peak. While debt securities issued increased further to a total of EUR 1.1bn, our liabilities towards customers decreased.
Investor Relations contact:
Philipp Chladek philipp.chladek@bks.at
+43 664 805 567 025
https://www.bks.at/ueber-uns/investor-relations
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Produced by:
BKS Bank AG
9020 Klagenfurt, St. Veiter Ring 43, https://www.bks.at
Companies Register Court: LG Klagenfurt (Regional Court Klagenfurt) Companies Registration Number: FN 91810s
Supervisory authority: Financial Market Authority Austria, Division Banking and Securities Supervision
Chamber/Professional Association: Wirtschaftskammer Österreich (Chamber of Commerce and Industry Austria), Division Banking and Insurance
Copy deadline: November 2025