Financial Results | BAWAG Group

BAWAG Group AG

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Q3 2024 Earnings Call

BAWAG Group hosted the Q3 2024 earnings call on 28 October 2024 at 10 am CEST with our CEO Anas  Abuzaakouk and our  CFO Enver  Sirucic.

The webcast is available here

Q3 2024 Results

Earnings per share

in €

RoTCE

in percent

€ 178 million

Net Profit

0.25%

Risk Cost Ratio

32.3%

CIR

17.2%

CET1 ratio

Q3 2024 Highlights

Q3 '24 net profit of € 178 million, EPS of € 2.25 and RoTCE of 24.0%
Pre-provision profit of € 265 million (-1% vPQ) and CIR at 32.3%
Risk-cost ratio of 0.25% … NPL ratio at 1.0%
September ‘24 YTD Net profit of € 520 million (+3% vs. prior year) and RoTCE of 23.9%
CET1 ratio of 17.2% post deduction of dividend accrual of € 286 million for the first three quarters 2024
Approval for Knab acquisition received on 25 October 2024
Adjusting CET1 ratio target to 12.5% (up 25 basis points)
Update FY ‘24 Targets: Profit before tax > € 950 million, pro-forma CET1 >14.0%, RoTCE >20%, and CIR <34%

Q3 2024 documents

Earnings Presentation

Downloads

Q1

Earnings Presentation

Consolidated Interim Report

Webcast Transcription

H1

Earnings Presentation

Consolidated Interim Report

Webcast Transcription

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR")

Q3

Earnings Presentation

Consolidated Interim Report

Webcast Transcription

FY

Consolidated Annual Report

Earnings Presentation

Webcast Transcription

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR")

New segmentation

New segmentation

1) Publication according to section 5 para 2 RL-KG (German only)

1) Publication according to section 5 para 2 RL-KG (German only)

Q1

Earnings Presentation

Excerpts of public disclosure ahead of Q3 2022 reporting

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") Q1 2022

H1

Earnings Presentation

Half-year financial report

Excerpts of public disclosure ahead of Q2 2022 reporting

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") H1 2022

Q3

Earnings Presentation

Excerpts of public disclosure ahead of Q3 2022 reporting

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") Q3 2022

FY

Earnings Presentation

Consolidated Annual Report

Annual Financial Report (ESEF) - German only

Excerpts of public disclosure ahead of Q4 2022

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") FY 2022 (quantitative)

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") FY 2022 (qualitative)

Q1

Earnings Presentation

Excerpts of public disclosure ahead of Q1 2023 reporting

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") Q1 2023 (quantitative)

Q2 early read

Early Read Presentation

The data contained in this presentation is an early read and, thus, remains subject to change. BAWAG will publish detailed H1/2023 results on 19 July 2023.

H1

Earnings Presentation

Half-year financial report

Disclosure acc to regulation HY 2023

Q3

Earnings Presentation

Excerpts of public disclosure ahead of Q3 2023 reporting

Disclosure acc to regulation Q3 2023

Stress test 2023

Stress test 2023 results

Detailed stress test results

FY

Excerpts of public disclosure ahead of FY 2023 reporting

Earnings Presentation

Consolidated Annual Report

Report (ESEF) - German only

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") FY 2023 (qualitative)

Disclosure acc. to Regulation (EU) No. 575/2013 ("CRR") FY 2023 (quantitative)

Contact & Feedback

Jutta Wimmer
Head of Investor Relations

+43 (0) 59905-34444

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