Erste Group Bank AG (EBS) - Net Assets

Latest as of December 2025: €34.66 Billion EUR

Based on the latest financial reports, Erste Group Bank AG (EBS) has net assets worth €34.66 Billion EUR as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€368.57 Billion) and total liabilities (€333.91 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€34.66 Billion
% of Total Assets	9.4%
Annual Growth Rate	8.59%
5-Year Change	47.42%
10-Year Change	108.78%
Growth Volatility	22.17

Erste Group Bank AG - Net Assets Trend (2002–2025)

This chart illustrates how Erste Group Bank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Erste Group Bank AG (2002–2025)

The table below shows the annual net assets of Erste Group Bank AG from 2002 to 2025.

Year	Net Assets	Change
2025-12-31	€34.66 Billion	+12.66%
2024-12-31	€30.77 Billion	+7.95%
2023-12-31	€28.50 Billion	+12.63%
2022-12-31	€25.30 Billion	+7.62%
2021-12-31	€23.51 Billion	+4.92%
2020-12-31	€22.41 Billion	+9.44%
2019-12-31	€20.48 Billion	+8.53%
2018-12-31	€18.87 Billion	+3.17%
2017-12-31	€18.29 Billion	+10.15%
2016-12-31	€16.60 Billion	+12.11%
2015-12-31	€14.81 Billion	+10.15%
2014-12-31	€13.44 Billion	-9.05%
2013-12-31	€14.78 Billion	-9.53%
2012-12-31	€16.34 Billion	-22.92%
2011-12-31	€21.20 Billion	+23.75%
2010-12-31	€17.13 Billion	+6.24%
2009-12-31	€16.12 Billion	+45.31%
2008-12-31	€11.10 Billion	-2.70%
2007-12-31	€11.40 Billion	+4.58%
2006-12-31	€10.90 Billion	+92.32%
2003-12-31	€5.67 Billion	+8.95%
2002-12-31	€5.20 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Erste Group Bank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 2048100000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	€20.48 Billion	77.88%
Other Components	€5.82 Billion	22.12%
Total Equity	€26.30 Billion	100.00%

Erste Group Bank AG Competitors by Market Cap

The table below lists competitors of Erste Group Bank AG ranked by their market capitalization.

Company	Market Cap
Marubeni Corporation F:MAR0	$38.53 Billion
Fiserv Inc. NASDAQ:FISV	$38.54 Billion
Takeda Pharmaceutical Company Limited F:TKDA	$38.58 Billion
Adani Ports and Special Economic Zone Limited NSE:ADANIPORTS	$38.62 Billion
Oil & Natural Gas Corporation Limited NSE:ONGC	$38.47 Billion
JD.com Inc. F:013C	$38.44 Billion
Westinghouse Air Brake Technologies Corp NYSE:WAB	$38.37 Billion
Hartford Financial Services Group NYSE:HIG	$38.29 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Erste Group Bank AG's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 23,135,000,000 to 26,297,000,000, a change of 3,162,000,000 (13.7%).
Net income of 3,510,000,000 contributed positively to equity growth.
Dividend payments of 1,344,000,000 reduced retained earnings.
Share repurchases of 205,000,000 reduced equity.
New share issuances of 1,013,000,000 increased equity.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€3.51 Billion	+13.35%
Dividends Paid	€1.34 Billion	-5.11%
Share Repurchases	€205.00 Million	-0.78%
Share Issuances	€1.01 Billion	+3.85%
Other Changes	€188.00 Million	+0.71%
Total Change	€-	13.67%

Book Value vs Market Value Analysis

This analysis compares Erste Group Bank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.56x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2002-12-31	€-1.12	€105.30	x
2003-12-31	€-0.37	€105.30	x
2004-12-31	€14.19	€105.30	x
2005-12-31	€16.85	€105.30	x
2006-12-31	€26.45	€105.30	x
2007-12-31	€27.03	€105.30	x
2008-12-31	€25.77	€105.30	x
2009-12-31	€39.44	€105.30	x
2010-12-31	€36.06	€105.30	x
2011-12-31	€35.97	€105.30	x
2012-12-31	€32.64	€105.30	x
2013-12-31	€27.52	€105.30	x
2014-12-31	€23.01	€105.30	x
2015-12-31	€25.79	€105.30	x
2016-12-31	€29.21	€105.30	x
2017-12-31	€32.51	€105.30	x
2018-12-31	€33.69	€105.30	x
2019-12-31	€36.62	€105.30	x
2020-12-31	€40.67	€105.30	x
2021-12-31	€42.22	€105.30	x
2022-12-31	€47.52	€105.30	x
2023-12-31	€53.17	€105.30	x
2024-12-31	€59.61	€105.30	x
2025-12-31	€67.70	€105.30	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Erste Group Bank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 13.35%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 29.84%
• Asset Turnover: 0.03x
• Equity Multiplier: 14.02x
Recent ROE (13.35%) is above the historical average (7.73%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2002	0.00%	7.12%	0.03x	0.00x	€279.44 Million
2003	0.00%	9.22%	0.03x	0.00x	€362.12 Million
2004	15.22%	12.17%	0.03x	40.85x	€178.57 Million
2005	17.63%	16.39%	0.03x	37.56x	€310.20 Million
2006	11.68%	18.56%	0.03x	22.77x	€134.34 Million
2007	13.90%	19.04%	0.03x	23.72x	€329.50 Million
2008	10.64%	13.42%	0.03x	24.93x	€51.71 Million
2009	7.11%	12.10%	0.04x	15.87x	€-367.46 Million
2010	7.47%	13.05%	0.04x	15.16x	€-343.08 Million
2011	-5.29%	-9.74%	0.04x	15.46x	€-2.08 Billion
2012	3.76%	6.32%	0.04x	16.63x	€-802.02 Million
2013	0.54%	0.89%	0.03x	17.65x	€-1.07 Billion
2014	-14.66%	-21.09%	0.03x	19.95x	€-2.43 Billion
2015	8.80%	14.26%	0.03x	18.15x	€-132.54 Million
2016	10.15%	18.55%	0.03x	16.71x	€18.63 Million
2017	9.49%	19.42%	0.03x	15.91x	€-70.97 Million
2018	12.48%	25.96%	0.03x	16.47x	€355.98 Million
2019	9.41%	20.26%	0.03x	15.73x	€-91.85 Million
2020	4.52%	10.94%	0.03x	16.00x	€-950.62 Million
2021	10.69%	25.31%	0.02x	17.08x	€123.66 Million
2022	11.19%	25.79%	0.03x	16.74x	€229.94 Million
2023	13.85%	29.06%	0.03x	15.57x	€833.20 Million
2024	13.51%	28.69%	0.03x	15.29x	€811.50 Million
2025	13.35%	29.84%	0.03x	14.02x	€880.30 Million

Industry Comparison

This section compares Erste Group Bank AG's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $17,971,868,584
Average return on equity (ROE) among peers: 10.25%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Erste Group Bank AG (EBS)	€34.66 Billion	0.00%	9.63x	$38.47 Billion
Addiko Bank AG (ADKO)	$746.20 Million	3.44%	7.04x	$505.32 Million
BAWAG Group AG (BG)	$4.73 Billion	16.06%	14.07x	$10.42 Billion
BKS Bank AG (BKS)	$958.79 Million	4.82%	6.91x	$923.33 Million
Oberbank AG (OBS)	$2.28 Billion	7.93%	7.39x	$5.38 Billion
Raiffeisen Bank International AG (RBI)	$99.05 Billion	0.47%	0.13x	$13.59 Billion
Wiener Privatbank SE (WPB)	$59.50 Million	28.78%	7.27x	$53.55 Million

About Erste Group Bank AG

VI:EBS Austria Banks - Regional

Market Cap

$47.82 Billion

€40.90 Billion EUR

Market Cap Rank

#617 Global

#1 in Austria

Share Price

€105.30

Change (1 day)

-0.94%

52-Week Range

€58.85 - €110.80

All Time High

€110.80