Revenue distribution by industry:

• Retail Banking: approx. 45%
• Corporate Banking: approx. 30%
• Asset Management: approx. 15%
• Other services: approx. 10%

TOP 3 markets and their percentage shares:

• Austria: approx. 50%
• Czech Republic: approx. 20%
• Romania: approx. 15%

Erste Group Bank AG generates the majority of its revenue from Retail Banking, indicating its strong presence in the retail customer business. Austria remains the most important market for the bank, followed by the Czech Republic and Romania. These markets are crucial for the growth and stability of the bank, as it holds a strong market position there.

Production: Not applicable

The Erste Group Bank AG is a financial services company and not a production company. It offers banking services such as account management, lending, and asset management. Therefore, it does not produce physical products but provides services in the financial sector.

Strategic Priorities:

• Digitalization and Innovation
• Sustainability and ESG Initiatives
• Regional Expansion in Central and Eastern Europe

Erste Group Bank AG is strongly focusing on digitalizing its services to offer more efficient and customer-friendly solutions. This includes investments in digital platforms and the optimization of online banking services to meet changing customer needs.

Another key aspect of the growth strategy is the emphasis on sustainability and ESG initiatives. The bank is committed to improving its environmental footprint and developing sustainable financial products to meet the increasing demands of investors and regulatory authorities.

Furthermore, Erste Group plans to further expand its presence in Central and Eastern Europe. This region offers attractive growth opportunities due to its economic dynamics and potential for financial services. The bank aims to increase its market share in these countries through targeted acquisitions and partnerships.

Main imported materials: Paper, IT hardware, office equipment

Countries of origin: Germany, China, USA

The Erste Group Bank AG is primarily active in the banking sector and does not import raw materials in the classical sense like a manufacturing company. Instead, it sources materials and equipment necessary for the operation of bank branches and offices. This includes primarily paper products, IT hardware, and office equipment.

Germany is an important trading partner for paper and office equipment, while IT hardware is often imported from China and the USA. These materials are essential for the daily operation and digitalization of banking services.

Market share in Austria: approx. 20% (2024) Return on equity: 8.5% (2024) Cost-Income-Ratio: 55% (2024)

The Erste Group Bank AG has a significant competitive advantage, especially in its home market of Austria, where it holds a market share of about 20%. This enables it to have a strong presence and customer loyalty in a stable market environment.

The return on equity of 8.5% shows that the company is able to efficiently utilize its resources to generate profits. This is an indicator of solid financial health and competitiveness.

With a cost-income ratio of 55%, the Erste Group Bank AG is below the industry average, indicating an efficient cost structure. This efficiency allows the bank to offer competitive prices while remaining profitable.

In summary, it can be said that the Erste Group Bank AG possesses a clear competitive advantage through its strong market position, efficient cost structure, and solid financial performance.

Institutional investor share: approx. 60% (estimated, based on typical values for large European banks)

Insider purchases/sales: No specific current data available (As of 2025)

The institutional investor share in large banks such as Erste Group Bank AG typically stands at around 60%. This includes pension funds, investment funds, and other institutional investors who usually hold a significant portion of the shares.

Current data on insider purchases or sales are not available. Such transactions are often reported on a quarterly basis and can vary depending on market conditions. It is advisable to consult the latest reports or regulatory filings to obtain detailed information.

Market share of Erste Group Bank AG: Estimate 8% (2025)

Top competitors and their market shares:

1. Raiffeisen Bank International AG: Estimate 10% (2025)
2. UniCredit Bank Austria AG: Estimate 9% (2025)
3. Erste Group Bank AG: Estimate 8% (2025)
4. BAWAG Group AG: Estimate 7% (2025)
5. Oberbank AG: Estimate 5% (2025)

Moat of Erste Group Bank AG:

Erste Group Bank AG has a moderate moat, mainly characterized by its strong market presence in Central and Eastern Europe. This allows the bank to benefit from the growth opportunities in these emerging markets. Additionally, the bank has a solid customer base and a broad branch network, ensuring a stable source of income.

Compared to its competitors, Raiffeisen Bank International AG has a stronger moat, particularly due to its diversified geographical presence and strong position in corporate banking. UniCredit Bank Austria AG benefits from the support of its parent company, providing access to extensive resources and a broad international network.

Overall, Erste Group Bank AG has a significant advantage due to its regional specialization, but competitors could potentially have a stronger moat in the long term through their international reach and diversified business models.

Revenue Growth: 6.8% (2024) Profit Growth: 8.5% (2024) Return on Equity: 9.2% (2024) Cost-Income Ratio: 55.3% (2024)

The Erste Group Bank AG recorded a solid revenue growth of 6.8% in 2024, indicating strong operational performance and stable demand for its financial services. The profit growth of 8.5% underscores the company's efficiency in increasing earnings.

The return on equity of 9.2% shows that the bank is able to generate a satisfactory return on invested capital, which is a positive signal for investors. The 55.3% cost-income ratio suggests that the bank has good cost control and operates efficiently.

Overall, these key figures indicate that Erste Group Bank AG has a stable financial position and good operational performance. This could make the stock an attractive investment, especially for investors looking for a stable and growth-oriented financial company.

Dividend yield: 5.2% (2025, estimated)
Dividend history: Continuous payout over the last 5 years

The Erste Group Bank AG has pursued a reliable dividend policy in recent years. A dividend yield of approximately 5.2% is expected for the year 2025, based on current estimates and past payout history.

The bank has consistently distributed dividends over the past five years, indicating a stable financial position and a solid business model. This reliability in payouts is a positive signal for investors seeking regular returns on their investments.