BKS Bank : 3Q 2025 Report

About this update from Bks Bank Ag

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 thereof savings deposits 800.3 735.5 -8.1 thereof securitized liabilities incl. subordinated debt capital 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 thereof on custody accounts 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 thereof common equity tier 1 (CET1) capital 1,007.3 1,036.7 2.9 thereof total tier 1 capital (CET1-AT1) 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 ...

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