Erste Group delivered a resilient performance in 2025 with a net result of EUR 3.125 billion, driven heavily by strong momentum in CEE markets. While net interest margins tightened slightly to 2.41%, the bank’s expansion in asset management and securities remains a key tailwind. As management noted, "growth was achieved across all core markets," showcasing the bank's ability to navigate a shifting rate environment. A solid report that highlights why this is still a core play in the CEE banking sector. #erstegroup #cee
Erste Group
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Ação
ISIN: AT0000652011
Ticker: EBS
AT0000652011
EBS
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Discussão sobre EBS
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1222H·
Erste Group 2025 Reports Dropped
Heads up folks, the Erste Group Bank AG 2025 audited reports are officially out now. Definitely worth a deep dive if you're holding $EBS,time to see if the actual numbers back up the recent market sentiment. What's your take on the latest bottom line? #erstegroup #ebs
discdvl.comDisclosure Devil | Analysis
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7Mês·
Erste Group Bank, a fascionating, strong and consistent developing Austrian bank in central and eastern europe🇦🇹🇪🇺🏦
In April 2024 I went on a holiday trip to Croatia. 🇭🇷First in the city of Osijek. After that week I traveled to the capital Zagreb to visited some of my friends. So in the first week I stayed in the city of Osijek. That’s where I first came across a Erste bank branch. Beside a cup of coffee ☕️ in a local bar in the city center I did some research. Later that year, I decided to open my first a position in the company. My first purchase was 20 stocks. Another couple months later. I bought in again on a lower price. Since then, the stock has only gone upwards. 📈
Now about Erste Group Bank:
Erste Group Bank AG/ $EBS (-2,92%) an Austrian bank in the heart of europe. They rule as one of the largest providers in financial services in eastern europe. Serving above 16.000.000 clients in over 2000 braches in nine central and eastern european countries. Erste Bank is headquartered in the capital city of Austria, Wien/Vienna. 🇦🇹
Why is Erste Bank so interesting to me?
Well, at first. It is headquarted in the heart of europe. Which gives Erste Bank a widely spread of markets all around them. They are mostly active in the eastern part of europe. Which is often seen as the least developed part of the european continent. For me, that is a point of interest. Due to the fact that eastern europe is developing relatively fast in comparison with the western part of europe. Western europe is often seen as the most developing part of europe. But is that statement actually true? Or, is that statement on its way to retirement? Let’s find out. 🫱🏻🫲🏼
Let’s take a look at the next image about GDP growth rates in Europe (2023) 🇪🇺📉📈
Here we can see several things. First thing that you can notice is that as seen on the image. Western europe is growing on average +0,7% GDP . While eastern europe on average is growing +1.6% GDP. If you we would expres that difference in percentage. Than the diffenece would be 120%! Which means, eastern europe is growing on a 2,2x faster rate than “developed” western europe. All this is excluding the difference in inflation rates. Because the inflation rates are really close in western and eastern europe. Some are having a hard time, while others are back to the wanted +-2%.
As a western european myself, I could see this being shocking. On the otherhand, I believe there is a way to benefit from this.
Let’s make a summary for Erste Bank its markets. (GDP growth) Central and eastern.
For the central european markets:
Austria 🇦🇹 = + 0,1%
Czech Republic 🇨🇿 = + 0,2%
These growth rates could be concidered as low.
For the eastern european markets:
Hungary 🇭🇺 = - 0,3%
Slovakia 🇸🇰 = + 1,3%
Moldova 🇲🇩 = + 2,0%
Romania 🇷🇴 = + 2,2%
Croatia 🇭🇷 = + 2,7%
Serbia 🇷🇸 = +3,5%
And for the most stunning one, (eventhough it is a small country with a in comparison small economy.)
Montenegro🇲🇪 = +4,5%
Outside of Erste Bank its markets the best and least performing two countries are:
Türkiye 🇹🇷 = +4,0%
Estonia 🇪🇪 = -2,3%
This is something which I think is important to see. Because this image shows for Erste Bank. That they are in the right spot of the continent here. And I’m looking forward to the further development in the future. 📈🫱🏻🫲🏼
What is Erste Bank doing to expand its influence troughout the region and what are their main goals? 🇪🇺🏦
they have a couple main goals:
Market Leadership: The first main goal is to soldify their position as a leading bank in their core markets.
Sustainability: Integrate environmental, social, and governance (ESG) principles into their operations and promote sustainable and environmental development. 🌳✅
Loan Growth: Achieve robust loan growth, particularly in retail and corporate business. 💸
Customer Focus: Support customers in achieving their financial goals and ensure their financial well-being. 📈
Dividend and Shareholder Returns: Propose dividends and execute share buybacks. For example on 21 May 2025 when Erste Group Bank AG announced a framework programme for the purchase of its own shares, with plans to acquire up to 1,500,000 shares, or an equivalent of €42 million, between 27 May 2025 and 10 April 2026. 💰
And for their further expansions of influence they are constantly searching for new opportunities troughout the region. Erste Bank was for example not active in Poland 🇵🇱. But, Erste Bank is expanding its presence in Poland by acquiring a 49% stake in Santander Bank Polska, a deal valued at approximately €6.8 billion. This acquisition, along with a 50% stake in Santander's Polish asset management unit, makes Erste Group also a major player in the Polish banking sector and again solidifies its position as a leading bank in Central and Eastern Europe 🇵🇱🇪🇺💰
Why did they choose specificly for an expansion to Poland?🇵🇱🇪🇺
Because, Poland its strong economic growth and relatively underpenetrated financial markets make it an attractive market for expansion. 📈
I also made a post about a Polish bank. Feel free to check that one out if you are interested!🇵🇱📊
Ofcours, this all is just a fraction of the whole picture. And there is ofcours, much more to talk about. Erste Bank is a company of concistensy, sustainability and the constant willing to expand and develope more. And I think it deserves a look from all. For me, since when I bought the stock. I had no doubt of it being anything els but a success. And untill now, I think that is the case. And it has been my best purchace of last year. I’ve gained about +41% in that time range (excluding the recieved dividend). And I’m looking forward to Erste Bank its future. I think they are still, (eventhough the stock alltime high), very interesting. Take a look at it.
Tell me what you think about Erste Bank. Would you concider it a good company? Are you maybe already invested? And if that is the case, why did you decide to invest in Erste Bank? Feel free to to criticize or just to start a discussion. Thanks for reading, and let me know what you think about it. Thank you🇪🇺🫱🏻🫲🏼🇦🇹📈🩵
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2 Comentários
Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin
7Mês
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11
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1Ano·
The peace profiteers
I was inspired by a Focus Money article and because many people here are asking.
I won't be investing myself, it's too short-term for me. But there are still some very interesting companies.
Feel free to write in the comments whether such "copied articles" are of any use to the community or are legally correct :)
The signs of a peace process in Ukraine are solidifying. This is triggering a run on the stock market for shares that could benefit from reconstruction
Regardless of the political interpretation, the stock market has been turning its back on the war for several days now and is betting on the coming peace. Stocks that are likely to benefit from the reconstruction in Ukraine have soared. The UBS Ukraine Reconstruction Index, which comprises 25 of these stocks, has been climbing for days and is at an all-time high. "The effects of a possible ceasefire in Ukraine are still being underestimated on the financial markets," says Bernd Meyer, Chief Investment Strategist and Head of Multi Asset at Berenberg, who is convinced that the rally will continue. Reconstruction requires enormous resources. According to estimates by the World Bank, the costs for this amount to a total of 500 billion dollars - the equivalent of Austria's gross domestic product and more than three times Ukraine's annual economic output before the war. The money is likely to benefit construction companies, suppliers, infrastructure companies and banks in particular. European companies could be the main beneficiaries - especially from neighboring countries such as Poland and Hungary, but also the Czech Republic, Austria and Germany.
With Wärtsilä $WRT1V (-6,16%) a provider of technologies for the shipping and energy markets, and Konecranes $KCR (-3,03%) a manufacturer of industrial cranes and drive technology, Finnish companies are also on the list of potential peace beneficiaries - as are Italian companies such as the cement and building materials manufacturer Buzzi $BZU (+0,26%) The list is long. There is a great need for building materials, steel and cables to restore the destroyed infrastructure and energy supply. There is still no thematic fund or ETF on the beneficiaries of the reconstruction in Ukraine. Investors who want to benefit from this are therefore well advised to combine several securities into a portfolio themselves.
Banks: Erste Group Bank $EBS (-2,92%) Powszechna K. Osz $PKO (+0,92%) Santander Polska $SPL (+0,15%) Polska K. Opieki $PEO (+0,88%) Raiffeisen Bank Int.$RBI (-2,88%)
Construction: Wienerberger $WIE (-2,83%) Sniezka Construction $SKA Strabag $STR (-2,22%)
Insulation: Kingspan Group $KRX (-3,39%) Rockwool $ROCK B
Glass: Cie de Saint-Gobain $SGO (-1,23%)
Cranes: Konecranes $KCR (-3,03%)
Cement: CRH $CRH (+1,23%) Buzzi $BZU (+0,26%) Holcim $HOLN (-0,69%) Heidelberg Mat. $HEI (-1,13%)
Construction machinery: Caterpillar $CAT (-0,33%)
Mining: Ferrexpo $FXPO (+0,43%) Metso $METSO (-4,73%)
Chemicals: BASF $BAS (-0,34%)
Industrial gases: Air Liquide $AI (-0,33%)
Infrastructure: Schneider Electric $SU (-2,16%) Rexel $RXL (-2,52%) Wärtsilä $WRT1V (-6,16%) Weir Group $WEIR (-4,65%)
Infrastructure (E): Siemens Energy $ENR (-5,52%) Prysmian $PRY (-2,3%) NKT $NKT (-0,61%) Nexans $NEX (-0,64%)
Agriculture: Kernel $KER (-0,11%)
Logistics(warehouse): Kion $KGX (-4,91%)
Steel: Arcelor Mittal $MT (-4,73%) and for stainless steels Outukompu $OUT1V (-4,59%)
Sanitary technology: Geberit $GEBN (-1,97%)
Specialty chemicals: Evonik $EVK (-1,52%) Arkema $AKE (-3,7%) Wacker Chemie $WCH (-0,57%) Lanxess $LXS (-2,93%)
1Ano·
Austria News🚨
Today the ATX has made its biggest jump in 3 years.
Shares like
have risen well
Question: What do you think about Austrian shares?
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25 Comentários
I have $OMV, the figures were mixed, prospects quite ok and still on target with a dividend of 4.75
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•1Ano·
World Economic Forum 2025
January 20-24, 2025, Davos, Switzerland
The World Economic Forum (WEF) is an international organization founded by Klaus Schwab in Switzerland in 1971. It promotes cooperation between business, politics, science & civil society. The Annual Meeting takes place in Davos. The motto for this year:
"Cooperation in the age of intelligence"
The World Economic Forum 2025 is dedicated to a wide range of topics, including geopolitical tensions, economic growth and the transition to clean energy. At the same time, tech, AI, quantum computing & biotech also play an important role.
As always, there will be posts on all relevant topics from @HennRes & @Michael-official will be published. Under the #wef2025 you will be able to view all posts in chronological order.
Main topics:
- Rethinking growth: How can we tap into new sources of economic growth?
- How can companies respond to tech and geopolitical upheaval?
- What measures promote education, health & human capital?
- How can innovative partnerships & techs drive climate protection?
- How can cooperation be strengthened to overcome social divisions?
Participants from politics & business.
Over 350 government representatives, including 60 heads of state & government, 1600 people from the private sector, including 900 CEOs and over 170 people from NGOs, trade unions, academia and indigenous peoples are also present.
The key figures from politics are:
- 🇺🇸 Donald J. Trump(soon to be) President of the USA (via video link)
- 🇪🇺 Ursula von der Leyen, President of the European Commission
- 🇨🇳 Ding XuexiangVice Prime Minister of the People's Republic of China
- 🇦🇷 Javier MileiPresident of Argentina
- 🇩🇪 Olaf Scholz, Chancellor of Germany
- 🇿🇦 Cyril Ramaphosa, President of South Africa
- 🇪🇸 Pedro Sánchez, Prime Minister of Spain
- 🇨🇭 Karin Keller-Sutter, President of the Swiss Confederation 2025
- 🇺🇦 Volodymyr Zelenskyy, President of Ukraine
Executives from the private sector (who are expected/ not offical)
Technology sector
- 🇺🇸 $MSFT (-1,06%) (Microsoft) - Satya Nadella, CEO
- 🇺🇸 $AMZN (-0,33%) (Amazon) - Andy Jassy, CEO
- 🇺🇸 $IBM (+0,27%) (IBM) - Arvind Krishna, CEO
- 🇺🇸 $MSFT (-1,06%) (Microsoft) - Bill Gates, co-founder and head of the Bill and Melinda Gates Foundation
- 🌎 Cohere - Aidan Gomez, CEO
- 🌎 $META (-3,39%) (Meta) - Yann LeCun, AI scientist
- 🌎 OpenAI - Sam Altman, CEO
- 🇺🇸 $TSLA (-0,31%) (Tesla) - Elon Musk, CEO
Financial sector
- 🇪🇺 ECB - Christine Lagarde, President of the European Central Bank
- 🇫🇷 ECB - Francois Villeroy de Galhau, President of the French Central Bank
- 🇩🇪 German Bundesbank- Joachim Nagel, President
- 🇺🇸 $BLK (BlackRock) - Martin Lück, Chief Investment Strategist
- 🇳🇱 $ING (+0%) (ING) - Carsten Brzeski, Chief Economist at ING Germany
Banking sector
- 🇺🇸 $JPM (+0,87%) (JPMorgan Chase) - Jamie Dimon, CEO
- 🇨🇭 $UBSG (-0,97%) (UBS) - Sergio Ermotti, Group CEO
- 🇨🇭 $UBSG (-0,97%) (UBS) - Colm Kelleher, President
- 🇩🇪 $DBK (-1,05%) (Deutsche Bank) - Christian Sewing, CEO
- 🇺🇸 $GS (-0,12%) (Goldman Sachs) - David Solomon, Chairman and CEO
- 🇺🇸 $BAC (-0,02%) (Bank of America) - Brian Moynihan, CEO
- 🇺🇸 $C (+0,71%) (Citigroup) - Jane Fraser, CEO
- 🇬🇧 $HSBA (-1,66%) (HSBC) - Mark Tucker, Group Chairman
- 🇬🇧 $HSBA (-1,66%) (HSBC) - Michael Roberts, CEO of HSBC Bank
- 🇺🇸 $MS (+0,83%) (Morgan Stanley) - Ted Pick, CEO
- 🇬🇧 $BARC (-0,5%) (Barclays) - C.S. Venkatakrishnan, CEO
- 🇫🇷 $GLE (-2,58%) (Société Générale) - Slawomir Krupa, CEO
- 🇮🇹 $UCG (-2,37%) (UniCredit) - Andrea Orcel, CEO
- 🇦🇹 $BG (-0,63%) (BAWAG Group) - Anja E. M. W. Schreiber, CEO
- 🇦🇹 $EBS (-2,92%) (Erste Group) - Andreas Treichl, CEO
Industry sector
- 🇩🇪 $BAYN (-1,63%) (Bayer) - Bill Anderson, CEO
- 🇨🇭 $NESNE (Nestlé) - Mark Schneider, CEO
- 🇬🇧 $ULVR (+0,2%) (Unilever) - Hein Schumacher, CEO
- 🇨🇳 SHEIN - Donald Tang, Vice Chairman
- 🇮🇳 ADANIENT (Adani Enterprises) - Gautam Adani, Chairman
... and many more from the Tech, Banking, AI, Biotech, Pharma, Industrial, etc. sectors.
2020
1 Comentar
🇨🇭🏔️Unter the #wef2024 you will find the most important contributions from last year.
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22
•1Ano·
The debt capital market (Debt Capital Market, DCM) enables corporations and governments to raise capital through the issuance of bonds and other debt instruments. This is a list of the top players per region:
- Bank of America Securities ($BAC (-0,02%))
- Is not only the largest player in North America, but also globally. It remained in second place for global issue volumes and fee income and rose in the rankings for high-yield bonds in the USA from 5th to 3rd place.
- Erste Group ($EBS (-2,92%))
- supported Central and Eastern Europe with significant deals such as the issuance of € 600 million sustainability-linked bonds for CEZ ($CEZ (-2,17%)) and green bonds of 500 million euros for Ceske drahy.
- Deutsche Bank ($DBK (-1,05%))
secured outstanding deals in Europe, including a 2.5 billion US dollar bond from the European Bank for Reconstruction and Development and a 3.3 billion US dollar bond offer from the German Stock Exchange ($DB1 (+0,5%)).
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