Investing in Erste Group Bank AG

Andreas Treichl, CEO of Erste Group Bank AG on the YE 2018 results: 
"Our annual net profit, which rose by more than a third to nearly 1.8 billion euros, is not only the best in our history, it’s also a telling symbol for our 200 year anniversary and the sustainability of a business model that has greatly changed the region in which we are once again active today. 
Our business model continued to play to its strengths in 2018: A consistently benign risk environment contributed to a further improvement in the NPL ratio to 3.2 per cent. Net interest income rose by 5.3 per cent, while net commission income increased by 3.1 per cent. Costs remained almost unchanged and were thus another factor for the significant increase in the operating result by just under 9 percent.We are satisfied with our liquidity position, as we are with our capital: our common equity tier one capital ratio stood at 13.5 per cent, while the total capital ratio was 18.2 per cent.
Given this context, we also want to share the good result with the shareholders and will therefore propose an increased dividend of 1.40 euro per share at our annual general meeting.”

Austria Czech Republic Slovakia Hungary Romania Serbia Bosnia Montenegro Macedonia Slovenia Moldova Croatia
  • Core markets of Erste Group
  • Indirect presence in CEE
Please click on the respective country for more information about our markets
Erste Bank und Sparkasse
  • Branches 899
  • Customers 3.7 m
  • Employees 16,137
  • Market share retail deposits 19.8 %
  • Market share retail loans 20.3 %

  • www.erstebank.at
Česká spořitelna
  • Branches 501
  • Customers 4.6 m
  • Employees 10,115
  • Market share retail deposits 25.6 %
  • Market share retail loans 23.6%

  • www.csas.cz
Slovenská sporiteľňa
  • Branches 250
  • Customers 2.2 m
  • Employees 4,105
  • Market share retail deposits 28.0 %
  • Market share retail loans 26.7 %

  • www.slsp.sk
Banca Comercială Română
  • Branches 509
  • Customers 3.1 m
  • Employees 7,237
  • Market share retail deposits 15.4 %
  • Market share retail loans 16.7 %

  • www.bcr.ro
Erste Bank Hungary
  • Branches 112
  • Customers 0.9 m
  • Employees 3,124
  • Market share retail deposits 9.2 %
  • Market share retail loans 11.8 %

  • www.erstebank.hu
Erste & Steiermärkische Bank
  • Branches 149
  • Customers 1.2 m
  • Employees 3,168
  • Market share retail deposits 13.5 %
  • Market share retail loans 13.8 %

  • www.erstebank.hr
Erste Bank a.d. Novi Sad
  • Branches 87
  • Customers 0.5 m
  • Employees 1,108
  • Market share retail deposits 4.1 %
  • Market share retail loans 6.5 %

  • www.erstebank.rs
Banka Sparkasse
Sparkasse Bank d.d. Bosna i Hercegovina
Erste Bank AD Podgorica
Sparkasse Bank Makedonija
BCR Chișinău

Founded in 1819 as the first Austrian savings bank, Erste Group went public in 1997 with a strategy to expand its retail business into Central and Eastern Europe. Since then Erste Group has grown through numerous acquisitions and organically to become one of the largest financial services providers in the Eastern part of the EU in terms of clients and total assets.