Business Summary
- retail banking (42.4%);
- corporate banking (24.7%)
- investment, finance and market banking (8.4%);
- other (24.5%).
At the end of 2022, the group was managing EUR 222.6 billion in current deposits and EUR149.3 billion in current loans.
Products and services are marketed through a network of 2,029 branches located in Austria (797), Czech Republic (398), Romania (321), Slovakia (190), Croatia (133), Hungary (102) and Serbia (88).
Net interest income breaks down geographically as follows: Austria (44.7%), Europe (52.8%) and other (2.5%).
Sales per Business
EUR in Million | 2022 | Weight | 2023 | Weight | Delta |
---|---|---|---|---|---|
Retail
47.0
%
| 4,018 | 47.0 % | 4,943 | 47.0 % | +23.01% |
Savings Banks
25.3
%
| 1,844 | 21.6 % | 2,659 | 25.3 % | +44.21% |
Corporates
24.5
%
| 2,176 | 25.4 % | 2,581 | 24.5 % | +18.63% |
Group Markets
7.8
%
| 841 | 9.8 % | 825 | 7.8 % | -1.87% |
Asset/Liability Management & Local Corporate Center
-6.8
%
| -426 | -5.0 % | -721 | -6.8 % | +69.37% |
Group Corporate Center
2.4
%
| 107 | 1.2 % | 255 | 2.4 % | +138.99% |
Intragroup Elimination
-0.1
%
| -7 | -0.1 % | -14 | -0.1 % | +91.78% |
Sales per region
EUR in Million | 2022 | Weight | 2023 | Weight | Delta |
---|---|---|---|---|---|
Austria
51.8
%
| 4,045 | 47.3 % | 5,459 | 51.8 % | +34.95% |
Czech Republic
17.9
%
| 1,949 | 22.8 % | 1,885 | 17.9 % | -3.29% |
Romania
9.2
%
| 868 | 10.1 % | 964 | 9.2 % | +11.07% |
Hungary
7.3
%
| 554 | 6.5 % | 764 | 7.3 % | +37.93% |
Slovakia
7.1
%
| 669 | 7.8 % | 747 | 7.1 % | +11.73% |
Croatia
5.2
%
| 448 | 5.2 % | 550 | 5.2 % | +22.85% |
Serbia
1.3
%
| 112 | 1.3 % | 134 | 1.3 % | +19.86% |
Other
0.3
%
| -92 | -1.1 % | 28 | 0.3 % | -130.60% |
Managers
Managers | Title | Age | Since |
---|---|---|---|
Willibald Cernko
CEO | Chief Executive Officer | 67 | 22-06-30 |
Stefan Dörfler
DFI | Director of Finance/CFO | 53 | 06-12-31 |
David O'Mahony
COO | Chief Operating Officer | 59 | 19-12-31 |
Barbara Pichler
BRD | Director/Board Member | 55 | 08-08-08 |
Peter Klopf
IRO | Public Communications Contact | - | - |
Peter Makray
IRC | Investor Relations Contact | - | - |
Public Communications Contact | - | - | |
Maurizio Poletto
PRN | Corporate Officer/Principal | 51 | 20-12-31 |
Corporate Officer/Principal | 54 | 09-12-31 | |
Christian Wolf
PRN | Corporate Officer/Principal | - | - |
Members of the board
Members of the board | Title | Age | Since |
---|---|---|---|
Alois M. Flatz
BRD | Director/Board Member | 58 | 22-05-17 |
Director/Board Member | 66 | 22-06-30 | |
Andreas Lachs
BRD | Director/Board Member | 60 | 08-08-08 |
Director/Board Member | 59 | 15-05-11 | |
Jozef Pinter
BRD | Director/Board Member | 50 | 15-06-24 |
Martin Grießer
BRD | Director/Board Member | 55 | 19-06-25 |
Michael Schuster
BRD | Director/Board Member | 44 | 21-05-18 |
Mariana Kühnel
BRD | Director/Board Member | 41 | 22-05-17 |
Christiane Tusek
BRD | Director/Board Member | 49 | 23-05-11 |
55 | - |
Share class
Vote | Quantity | Free-Float | Company-owned shares | Total Float | |
---|---|---|---|---|---|
Stock A | 1 | 420,912,908 | 293,230,356 ( 69.67 %) | 22,388,160 ( 5.319 %) | 69.67 % |
Company contact information
Group companies
Name | Category and Sector |
---|---|
Erste Adriatic Equity (Top 10 holdings)
|
Investment Trusts/Mutual Funds
|
Erste Conservative (Top 10 holdings)
|
Investment Trusts/Mutual Funds
|
Erste Euro-Money (Top 10 holdings)
|
Investment Trusts/Mutual Funds
|
Erste Adriatic Bond
|
Investment Trusts/Mutual Funds
|
Erste Adriatic Multi Asset
|
Investment Trusts/Mutual Funds
|
Ceská sporitelna as
Ceská sporitelna as Major BanksFinance Ceská sporitelna as provides banking services. The firm’s products include accounts and cards, loans, mortgage and equity loans, investing and insurance. It operates through the following segments: Retail Banking, Corporate Clients, Real Estate, Asset & Liability Management, Large Corporate Clients and Group Markets. The company was founded on February 12, 1825 and is headquartered in Prague, Czech Republic. |
Major Banks
|
Sparkasse Oberösterreich Bank AG
Sparkasse Oberösterreich Bank AG Regional BanksFinance Sparkasse Oberösterreich Bank AG provides banking and financial services for private and corporate clients. Its products and services include accounts and credit cards, savings and investments, auto and home loans, consumer and real estate finance, start ups, as well as pension and insurance. The company was founded in 1849 and is headquartered in Linz, Austria. |
Regional Banks
|
Steiermärkische Bank und Sparkassen AG
Steiermärkische Bank und Sparkassen AG Regional BanksFinance Steiermaerkische Bank & Sparkassen AG provides banking and financial services to private and corporate clients. Its products and services include digital banking, accounts and cards, savings and investments, loans and home financing, commercial real estate financing, financial planning and insurance, as well as consulting services for commercial customers. The company was founded in 1825 and is headquartered in Graz, Austria. |
Regional Banks
|
Tiroler Sparkasse Bankaktiengesellschaft Innsbruck
Tiroler Sparkasse Bankaktiengesellschaft Innsbruck Savings BanksFinance Part of Erste Group Bank AG, Tiroler Sparkasse Bankaktiengesellschaft Innsbruck is a savings bank. The private company is based in Innsbruck, Austria. |
Savings Banks
|
Sales per Business
Sales per region
1st Jan change | Capi. | |
---|---|---|
+12.00% | 547B | |
+10.60% | 291B | |
+12.04% | 250B | |
+21.78% | 210B | |
+17.11% | 171B | |
+11.40% | 169B | |
+11.01% | 164B | |
+3.27% | 143B | |
-11.10% | 139B |