Bawag Group Ag · VIE:BG
Bawag — Q3 2026 Earnings Presentation
17 slides from Bawag's earnings presentation, Oct 19, 2026
Slide 1: BAWAG Group Q3 2026 Results
BAWAG Group BAWAG Group Q3 2026 RESULTS
Slide 2: Q3 2026 Highlights
Q3 2026 HIGHLIGHTS October 19, 2026 2
Slide 3: Highlights Q3 2026
HIGHLIGHTS Q3 2026 FINANCIAL PERFORMANCE BALANCE SHEET & CAPITAL STRATEGIC UPDATE & TARGETS €248 million Net profit / +13% vPY Customer loan flat vPQ PTSB ACQUISITION – PTSB shareholders approved transaction on July 30, 2026 with 91% support €599 million Core revenues/ +8% vPY Customer funding (1)%
Slide 4: Capital Development
CAPITAL DEVELOPMENT DIVIDEND ACCRUALS RESUMED IN Q3 ’26, WITH SUFFICIENT CAPITAL TO SELF-FUND THE PLANNED ACQUISITION DEVELOPMENTS HIGH CAPITAL-GENERATING BUSINESS – Gross capital generation of 116 basis points through earnings RWA / ASSET MIX – RWA growth reflecting asset mix growth toward Consumer
Slide 5: Q3 2026 Detailed Financials
Q3 2026 DETAILED FINANCIALS October 19, 2026 5
Slide 6: Financial Performance & Balance Sheet Overview
FINANCIAL PERFORMANCE & BALANCE SHEET OVERVIEW FINANCIAL PERFORMANCE BALANCE SHEET P&L | € millions Q3 '26 vPY vPQ YTD '26 vPY Balance sheet | € millions Q3 '26 Q2 '26 vPQ vPY Net interest income 497.2 8% 2% 1,465.6 7% Total assets 70,972 72,218 (2%) (1%) Net commission income 101.9 8% —% 302.1 11%
Slide 7: Core Revenues
CORE REVENUES NET INTEREST INCOME NET FEE & COMMISSION INCOME NIM in € million in € million – Customer loans stable in Q3 '26 ... Continuation of trend with positive momentum in – Stable performance across Retail & SME businesses Consumer & SME, offset by subdued mortgage volumes – Expect continued
Slide 8: Operational Expenses & Risk Cost
OPERATIONAL EXPENSES & RISK COST OPERATING EXPENSES RISK COST CIR Risk cost ratio in € million in € million – Continue to deliver on synergy and efficiency gains across the Group – Risk cost trend reflects the continued shift in asset mix toward higher margin consumer unsecured lending – Synergy rea
Slide 9: Segment Financials
SEGMENT FINANCIALS RETAIL & SME CORPORATES, REAL ESTATE & PUBLIC SECTOR P&L | € millions Q3 '26 vPY vPQ YTD '26 vPY P&L | € millions Q3 '26 vPY vPQ YTD '26 vPY Core revenues 529.6 10% 3% 1,544.6 12% Core revenues 74.6 6% 1% 225.3 5% Net interest income 432.0 10% 3% 1,258.9 12% Net interest income 69
Slide 10: 2026 Outlook & Targets
2026 OUTLOOK & TARGETS 2026 OUTLOOK 2026 TARGET THROUGH-THE CYCLE TARGETS Net interest income > 6% NET PROFIT in € million ROTCE >20% Core revenues > 6% Operational expenses > (5%) CIR <33% Risk cost ~50bps Regulatory charges €(48) million CET1 12.5% October 19, 2026 10
Slide 11: Q3 2026 Supplemental Information
Q3 2026 SUPPLEMENTAL INFORMATION October 19, 2026 11
Slide 12: Balance Sheet Positioned for Growth While Staying Conservative
BALANCE SHEET POSITIONED FOR GROWTH WHILE STAYING CONSERVATIVE FORTRESS BALANCE SHEET, DISCIPLINED UNDERWRITING, AND LONG-TERM FOCUS ON RISK ADJUSTED RETURNS LOW-RISK BALANCE SHEET FOCUSED ON RETAIL & SME PORTFOLIO MANAGEMENT € billion • €13 billion cash available to deploy into customer lending and
Slide 13: Retail & SME
RETAIL & SME PORTFOLIO OVERVIEW HOUSING CONSUMER & SME €26 €13 billion billion OVERVIEW OVERVIEW – Portfolio comprised of €8.6 billion unsecured and €4.7 billion secured lending … NPL ratio of 2.7% – 35% state or insurance guaranteed – Consumer lending composed of loans to current account customers,
Slide 14: Corporates & Real Estate
CORPORATES & REAL ESTATE PORTFOLIO OVERVIEW CORPORATES REAL ESTATE By geography By industry By geography By LTV €2.5 €2.5 €5.5 Average billion billion billion ~50% – Strong credit quality driven by focus on consistent cash flows in non-cyclical industries – Resilient portfolio with low leverage prof
Slide 15: Definitions
DEFINITIONS Leverage ratio B/S leverage Tier 1 capital (including interim profit, earmarked dividends, buyback/total exposure (CRR Total assets/common equity (excluding earmarked dividend and buyback) definition) Book value per share Loan to Value (LTV) Common equity (excluding AT1 capital, dividend
Slide 16: Disclaimer
DISCLAIMER Responsibility statements required by Irish Takeover Rules The directors of the management boards of each of BAWAG Group AG (“BAWAG” or “BAWAG Group”) and BAWAG PSK (the “BAWAG Directors”) accept responsibility for the information contained in this presentation. To the best of the knowled
Slide 17: Important Disclaimer
IMPORTANT DISCLAIMER: This presentation is prepared solely for the purpose of providing general information about BAWAG Group, Wiedner Gürtel 11, 1100 Wien. The information does not constitute investment or other advice or any solicitation to participate in investment business. This presentation doe