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Bawag Group
Bawag Group BMC: Quick, Sector-Specific Insights for Investors & Strategists
Unlock Bawag Group’s strategic playbook with our Business Model Canvas—concise, sector-specific insights into customer segments, key partners, revenue streams, and cost drivers to inform investment or strategy decisions.
Partnerships
Retail and Distribution Partners
BAWAG partners with major DACH retailers to offer point-of-sale financing and consumer credit at checkout, embedding loans into the purchase journey without large branch networks; these alliances generated roughly EUR 1.2 billion in new consumer lending volume through 2025, accounting for about 35% of the bank’s retail lending growth that year.
Financial Technology Providers
BAWAG partners with fintechs for payment processing, cybersecurity, and data analytics, letting it keep a lean IT headcount while rolling digital features; in 2024 fintech integrations supported a 22% YoY rise in active mobile users to 1.8 million.
Regulatory and Central Bank Entities
Maintaining close ties with the European Central Bank and Austrian financial authorities ensures systemic stability and compliance, helping Bawag Group meet Basel IV-related capital requirements—target CET1 ratio of ~12.5% and total capital >17% through late 2025—and align with Eurozone monetary policy shifts.
Ongoing dialogue enables active management of capital buffers and liquidity ratios (LCR ~130% in 2024), supporting resilience amid volatile rates and a €40bn+ asset base.
Insurance and Third-Party Product Providers
BAWAG distributes insurance and investment funds to ~2.3 million retail customers (2024), earning commission income while avoiding underwriting risk; partners (insurers, asset managers) access BAWAG’s broad, loyal client base and scale distribution.
- ~2.3m retail customers (2024)
- Commission-led revenue, no insurance underwriting
- Partners gain distribution scale and customer access
Strategic M and A Advisors
Bawag Group hires investment banks and legal advisers to source and close bolt-on deals in Europe and the US, targeting undervalued loan portfolios and niche banks that suit its low-risk, high-efficiency model; these partnerships drove 6 acquisitions totaling €2.1bn in deal value in 2024–Q3 2025.
- 6 deals, €2.1bn total (2024–Q3 2025)
- Focus: loan portfolios, niche banks
- Goal: external growth, capital optimization
- Advisors: IBs + legal consultants
BAWAG scales €1.2bn lending, 1.8m mobile users & €2.1bn M&A while safeguarding CET1/LCR
BAWAG partners with DACH retailers, fintechs, insurers, ECB/Austrian regulators, and M&A advisors to scale consumer lending (≈€1.2bn new volume by 2025), boost digital users (1.8m mobile, +22% YoY 2024), distribute products to ~2.3m customers (2024), and complete 6 acquisitions (€2.1bn, 2024–Q3 2025), supporting CET1 ~12.5% and LCR ~130%.
| Partner | Metric | Key 2024–2025 Data |
|---|---|---|
| Retailers | Consumer loans | ≈€1.2bn new volume (by 2025) |
| Fintechs | Digital users | 1.8m mobile, +22% YoY (2024) |
| Insurers/AM | Customers | ~2.3m retail (2024) |
| Regulators | Capital/Liquidity | CET1 ~12.5%, LCR ~130% (2024–25) |
| Advisors | M&A | 6 deals, €2.1bn (2024–Q3 2025) |
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A concise Business Model Canvas for Bawag Group covering customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure, aligned with the bank’s retail, SME, and corporate strategy.
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Activities
Digital Platform Development
Bawag Group prioritizes continuous enhancement of its digital banking ecosystem, upgrading mobile apps and web interfaces to support complex transactions and automated loan approvals with minimal human intervention.
By end-2025 the bank targets cloud-native architectures across international ops to cut downtime by ~40% and scale to 5x peak loads, following 2024 digital transactions growth of ~28% y/y to 1.9 billion transactions.
Risk Management and Underwriting
BAWAG uses advanced credit-risk models and AI scoring to keep NPLs low—0.8% reported CET1-adjusted NPL ratio in FY2024—supporting a high-quality loan book across retail, corporate, and public sectors.
Customer Acquisition and Marketing
BAWAG runs multi-channel campaigns—digital ads, loyalty programs, and clear-brand messaging—targeting Austria, Germany, and CEE to grow deposits and loans; in 2024 digital acquisition rose 18% while cost-per-acquisition fell 12% versus 2023. BAWAG uses customer data and credit-behavior signals to tailor offers, aiming to cut CAC further and lift net new deposits (2024: €3.2bn) and loan originations.
Asset and Liability Management
The treasury manages interest-rate risk and liquidity, matching deposit maturities to loan durations to protect net interest margin; in Q3 2025 BAWAG reported a CET1 ratio of 15.1% and liquidity coverage ratio (LCR) of ~140%, supporting ROE near 14% in a high-rate market.
- Interest-rate hedges adjust duration
- Deposit–loan mismatch minimized
- Maintains LCR ~140%
- Supports ROE ~14%
Compliance and Regulatory Reporting
The group allocates over €120m annually to compliance, running 24/7 transaction monitoring and KYC checks across Austria, CEE and EU markets to meet AML and EU regulatory updates (including 5th AMLD/2024 ECB guidance). These controls reduce regulatory fines and protect BAWAG Group’s reputation as a secure bank with a CET1 ratio at 16.8% (FY2024).
- €120m+ compliance budget (2024)
- 24/7 transaction monitoring
- KYC across Austria, CEE, EU
- Aligned to 5th AMLD and 2024 ECB guidance
- Supports 16.8% CET1 ratio (FY2024)
BAWAG boosts digital scale & AI credit scoring to sustain ~14% ROE with strong 16% CET1
BAWAG focuses on digital platform upgrades, cloud-native migration (target: end-2025, 5x scale, -40% downtime) and AI credit-scoring to keep NPLs ~0.8% (FY2024), while treasury and compliance sustain CET1 ~15–16.8% and LCR ~140% to protect ~14% ROE.
| Metric | Value |
|---|---|
| Digital txn 2024 | 1.9bn (+28% y/y) |
| Cloud target | end-2025, 5x scale, -40% downtime |
| NPL ratio FY2024 | 0.8% |
| CET1 | 16.8% (FY2024); 15.1% Q3 2025 |
| LCR | ~140% |
| ROE | ~14% |
| Compliance spend | €120m+ (2024) |
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Resources
Proprietary Digital Infrastructure
BAWAG’s centralized IT platform underpins retail and corporate operations across brands, enabling high automation and straight-through processing that cuts manual back-office tasks by over 40% and supports a 2024 cost-to-income ratio around 37% (vs. ~60% peers).
Robust Capital Base and Liquidity
BAWAG Group reports a CET1 ratio of 13.8% as of FY2024, giving it buffer to absorb shocks and finance new lending while targeting excess capital for high-yield reinvestments or shareholder returns.
Ample liquidity—liquid assets covering 6.2 months of wholesale funding at end-2024—lets BAWAG quickly buy distressed loan portfolios and other opportunistic assets.
Banking Licenses and Regulatory Approvals
Bawag Group holds full banking licenses in Austria and key EU/EEA markets, enabling deposit taking and credit issuance—a high barrier to entry that underpins its retail and corporate franchises; as of FY2024 the group reported EUR 46.2bn in customer deposits and EUR 44.8bn in total loans, numbers that reflect how these licenses support regulated product distribution to 3.2m clients.
Multi-Brand Portfolio
The group owns BAWAG, easybank, and international niche labels, letting it serve traditional branch clients and digital-first savers; as of FY2024 BAWAG Group reported EUR 18.9bn in total assets and ~2.1m customers across brands, supporting cross-sell and scale.
Each brand targets a specific segment while sharing centralized IT, risk, and operations to keep cost/income around 44% in 2024, boosting market share in its niches.
- ~2.1m customers (2024)
- EUR 18.9bn total assets (FY2024)
- Cost/income ~44% (2024)
Skilled Workforce and Leadership
The group depends on a lean, highly specialized workforce in IT, risk modeling and strategic management—about 4,200 employees group-wide in 2024—with leadership driving efficiency and data-driven decisions to sustain profitability (2024 ROE 10.8%).
This human capital underpins complex M&A execution (7 acquisitions 2019–2024) and the tech stack needed for digital banking and regulatory compliance.
- ~4,200 employees (2024)
- ROE 10.8% (2024)
- 7 acquisitions 2019–2024
- Core skills: IT, risk models, strategy
Digitally-led bank: €46.2bn deposits, CET1 13.8%, 2.1m customers, ROE 10.8%
Key resources: centralized IT platform (40% lower manual tasks; cost/income ~37% 2024), CET1 13.8% (FY2024), liquidity covering 6.2 months wholesale funding (end-2024), banking licenses with EUR 46.2bn deposits/ EUR 44.8bn loans, ~2.1m customers, EUR 18.9bn assets, ~4,200 employees, ROE 10.8%, 7 acquisitions (2019–2024).
| Metric | 2024 |
|---|---|
| CET1 | 13.8% |
| Deposits | EUR 46.2bn |
| Loans | EUR 44.8bn |
| Assets | EUR 18.9bn |
| Customers | 2.1m |
| Employees | 4,200 |
Value Propositions
Low-Cost Digital Banking Solutions
BAWAG offers highly efficient daily finance management via mobile and web platforms, reducing branch costs and passing savings as lower fees and tighter loan spreads—BAWAG reported 2024 digital transactions grew 18% y/y to 220 million and cost/income ratio fell to 38.5% (FY 2024), enabling fee reductions and 24/7 service that appeal to price-sensitive customers who prioritize speed and accessibility.
Accessible Consumer Credit and Mortgages
Bawag Group offers transparent, fast consumer credit and mortgages—using automated approval tools to deliver decisions in hours not weeks—supporting home, car, and personal financing with fixed, predictable repayment schedules. In 2024 Bawag’s retail loan book grew ~4% to €23.6bn, highlighting demand for quick, clear lending options and financial flexibility.
Specialized Corporate Financing
BAWAG offers tailored corporate lending for equipment finance, real estate development and working capital, leveraging sector expertise to structure repayment around client cash flows; in 2024 corporate loans totaled €8.9bn, with commercial real estate exposure at ~€3.1bn. This focused approach supports growth while keeping average corporate CET1-backed loan-to-value and debt-service ratios aligned to internal limits, lowering default risk and preserving manageable debt profiles.
Secure and High-Yield Savings Products
The group offers secure savings accounts and time deposits that let retail and institutional clients earn competitive yields; as of FY2024 BAWAG Group reported customer deposits of €40.1bn, supporting a loan‑to‑deposit ratio near 100% and stable funding for lending.
- Competitive rates vs large banks due to lean ops
- €40.1bn customer deposits (FY2024)
- Stable funding lowers wholesale needs
Omni-Channel Customer Experience
BAWAG offers a digital-first omni-channel experience while keeping branches and phone teams for complex needs, letting customers switch from a 30‑second mobile transfer to a 60–90‑minute mortgage consultation with a human advisor.
This hybrid model raised digital active users to ~1.2m in 2024 (up 8% YoY) and helped NPS reach 34, signaling trust when human help is needed.
- Digital-first, human backup
- Quick tasks via app (30s transfers)
- Human support for complex cases (60–90 min)
- 1.2m digital active users (2024)
- NPS 34 (2024)
BAWAG: Low‑cost digital bank—€23.6bn retail loans, €40.1bn deposits, NPS 34
BAWAG delivers low‑cost, digital-first retail banking with 24/7 access and lower fees (cost/income 38.5% FY2024), fast automated consumer lending (retail loans €23.6bn, +4% YoY), focused corporate finance (€8.9bn loans) and stable deposit funding (€40.1bn), supported by 1.2m digital users and NPS 34 (FY2024).
| Metric | FY2024 |
|---|---|
| Cost/Income | 38.5% |
| Retail loans | €23.6bn |
| Corp loans | €8.9bn |
| Deposits | €40.1bn |
| Digital users | 1.2m |
| NPS | 34 |
Customer Relationships
Automated Self-Service Portals
Automated self-service portals handle the vast majority of BAWAG Group customer interactions, letting clients independently manage accounts, set up standing orders, and update personal data without calls; as of 2025, digital channels account for ~78% of retail transactions and cut service costs by ~22% versus branch processing. This model boosts instant satisfaction and lowers operational expense, supporting higher digital NPS and faster task completion times.
Personal Advisory for Complex Needs
Digital Community and Support Hubs
BAWAG runs online help centers and community forums where customers find FAQs and post feedback; in 2024 these hubs handled ~1.2 million interactions, lifting first-contact resolution to 78%. By analyzing forum and support data BAWAG spots product gaps, reduces complaint rates (down 14% YoY in 2024) and publicly resolves issues to boost transparency and trust.
Proactive Financial Health Monitoring
Bawag uses in-app analytics to show customers spending patterns and a financial health score, driving 18% higher app engagement and a 12% rise in cross-sell rates in 2024.
Proactive alerts for bills and tailored saving tips position the bank as a financial partner, boosting loyalty and reducing delinquency by 9% year-over-year.
- App engagement +18% (2024)
- Cross-sell +12% (2024)
- Delinquency -9% (YoY)
Institutional Relationship Management
For public sector and large corporate clients, BAWAG Group keeps long-term partnerships built on reliability and sector expertise, driving a corporate-segment retention rate above 90% in 2024 and steady fee income representing roughly 18% of group net revenues in FY2024.
These relationships use frequent communication and tailored reporting—compliance-ready dashboards and monthly SLA reviews—ensuring predictable cash flows and a stable base for commercial lending and treasury operations.
- 90%+ corporate retention (2024)
- 18% of net revenues from corporate fees (FY2024)
- Monthly SLA reviews and compliance dashboards
BAWAG boosts NPS & cuts costs with 78% digital share, €6.2bn RM loans, -9% delinquincy
BAWAG combines automated self-service (78% retail digital transactions, -22% service cost) with dedicated relationship managers for 18% of loan exposure (€6.2bn in 2024) to raise NPS (+12% for RM clients) and reduce delinquency (-9% YoY); online hubs handled 1.2M interactions (FCR 78%) and corporate retention exceeded 90% (fees ~18% of FY2024 net revenues).
| Metric | 2024/2025 |
|---|---|
| Retail digital share | ~78% |
| Service cost reduction | -22% |
| Loan exposure via RMs | €6.2bn (18%) |
| Online interactions | 1.2M (FCR 78%) |
| NPS uplift (RM) | +12% |
| Delinquency change | -9% YoY |
| Corporate retention | 90%+ |
| Corporate fees | ~18% net revenues |
Channels
Integrated Mobile Banking Application
The Integrated Mobile Banking Application is BAWAG Group’s primary retail touchpoint, delivering full-service banking—payments, accounts, lending, investments—in one app; about 68% of retail transactions and 72% of active retail users in 2024 occurred through mobile. It uses biometric logins, real-time push notifications, simplified payment flows, and since 2025 includes AI assistants that reduced routine support calls by ~22% and increased in-app investment conversions by 14%.
Physical Branch and Advice Centers
Despite digital banking growth, BAWAG Group maintains a streamlined network of physical branches and advice centers—about 120 locations in Austria and CEE as of 2025—to deliver face-to-face consultations and boost brand visibility.
Positions in high-traffic areas focus on complex financial advice, wealth planning, and resolving sensitive issues rather than cash handling, supporting customer retention and cross-sell rates that exceed digital-only channels.
Third-Party Retail Point-of-Sale
Online Web Banking Interface
The web-based platform gives retail and corporate clients a desktop dashboard to manage finances, with 24/7 access and 99.9% uptime; about 38% of BAWAG Group customers used online banking in 2024, driving digital transaction volume up 22% year-on-year.
Business users value detailed reporting, bulk payments, and ERP/accounting integrations (ISO 20022-ready), supporting high-volume treasury needs and file imports to reduce manual entry.
- Comprehensive desktop dashboard
- 38% customer online adoption (2024)
- 22% YoY digital transaction growth (2024)
- Bulk payments & accounting integration (ISO 20022)
- 99.9% platform uptime
Direct Sales and Telemarketing
Bawag Group uses outbound channels—personalized emails, SMS alerts, and targeted phone calls—to promote mortgages, insurance, and high-margin products, yielding conversion lifts of 20–35% versus broad advertising according to its 2024 marketing report and reducing cost-per-acquisition by ~18%.
Data-driven targeting leverages CRM and transaction signals to focus offers on high-intent segments, driving higher lifetime value and faster sales cycles for priority products.
- Conversion lift 20–35%
- CPA reduction ~18%
- Focus: mortgages, insurance, premium banking
- Channels: email, SMS, targeted calls
Mobile-first growth: AI boosts in-app investments +14%, 68% of transactions
Primary channel: mobile app (68% transactions, 72% active users in 2024); AI assistants added in 2025 cut support calls ~22% and raised in-app investment conversions 14%. Branch network: ~120 locations (2025) for complex advice; POS partnerships drove ~€120m loan originations (2024). Online banking: 38% adoption, 22% YoY digital transaction growth (2024); outbound marketing lifts conversions 20–35%, CPA down ~18%.
| Channel | Key metric | Year |
|---|---|---|
| Mobile app | 68% txns; 72% users; +14% investments | 2024–25 |
| Branches | ~120 locations | 2025 |
| POS | €120m originations | 2024 |
| Online | 38% adoption; 22% YoY growth | 2024 |
| Outbound | 20–35% conv; -18% CPA | 2024 |
Customer Segments
Mass Market Retail Individuals
BAWAG’s Mass Market Retail Individuals are everyday consumers needing checking, debit cards, and personal loans; they prioritize low fees, convenience, and a reliable mobile app. As of YE 2024 BAWAG served ~3.2 million clients in Austria and Germany, supporting a deposit base of €44.3 billion that underpins retail funding and low-cost liquidity.
Small and Medium Enterprises
SMEs are core for BAWAG Group, needing merchant accounts, business loans, and payroll; in 2024 BAWAG’s SME loan book grew ~6% y/y to €4.2bn, showing product fit. These clients seek local-market insight and flexible credit—BAWAG’s streamlined underwriting and 24–48h decision targets let it serve SMEs more profitably than larger banks, with SME NIMs ~1.9% vs. peers’ ~1.4% in 2024.
Large Corporate and International Clients
This segment covers major corporates and international organizations needing complex financing and cross-border payments; in 2024 BAWAG Group reported EUR 4.1bn in corporate loans and €22bn in customer deposits, targeting niche industries (leasing, trade finance) with tailored capital solutions and FX/risk hedging; BAWAG pursues competitive pricing and bespoke risk-management to win mandates averaging €50–200m.
Public Sector and Municipal Entities
The bank serves local governments, schools and utilities with deposit accounts, payments and long-term infrastructure loans; as of FY2024 BAWAG Group reported corporate loan exposures to public-sector counterparties of ~€1.2bn, supporting predictable fee and interest income.
These clients prioritize stability, transparency and BAWAG’s solid credit metrics (Baa1/BBB+ in 2025), giving the bank a low-risk revenue stream and stronger community ties.
- €1.2bn public-sector loan exposure (FY2024)
- Long-term infra financing: 10–25 year maturities
- Baa1/BBB+ ratings (2025)
- Stable, low-default profile vs. corporate book
Tech-Savvy Digital-First Consumers
BAWAG: 3.2M clients, €70bn+ deposits & loans; easybank hits 850k (+25% YoY)
BAWAG serves 3.2M retail clients (YE2024, €44.3bn deposits), SMEs with €4.2bn loans (+6% y/y), corporates €4.1bn loans/€22bn deposits, public sector €1.2bn exposure (FY2024), and 850k easybank digital customers (+25% YoY, 2024).
| Segment | Key metric |
|---|---|
| Retail | 3.2M clients, €44.3bn deposits |
| SME | €4.2bn loans (+6%) |
| Corporate | €4.1bn loans, €22bn deposits |
| Public | €1.2bn exposure |
| Digital | 850k easybank (+25% YoY) |
Cost Structure
Technology and IT Maintenance
Around 8–10% of BAWAG Group’s annual operating expenses are allocated to Technology and IT maintenance, covering server hosting, software licenses, and ongoing mobile-banking development; in 2024 tech spend was roughly €120–150m, including increased cybersecurity investment after EU cyber incidents in 2023. Investing here targets lower long-run costs via automation—BAWAG reported a 12% reduction in manual ops costs per transaction after recent platform upgrades.
Personnel and Administrative Expenses
BAWAG maintains a lean workforce—about 4,200 employees at end-2024—so salaries and benefits remain a key cost line, roughly 38% of operating expenses in 2024; training in cloud, AI and cyber security and office upkeep add material spend. The bank targets high productivity—revenue per employee ~€375k in 2024—to keep personnel costs manageable versus total revenue.
Regulatory Levies and Compliance
The bank pays regulator fees and contributes to Austria’s and EU deposit guarantee schemes; in 2024 BAWAG Group reported regulatory charges and deposit insurance contributions of about EUR 45m, a largely fixed expense driven by EU/ECB rules.
Maintaining a compliance team to monitor transactions, AML (anti‑money laundering) controls and fraud prevention cost BAWAG roughly EUR 120m in 2024, a structural, recurring cost required by local and European law.
Marketing and Customer Acquisition
Bawag Group invests in advertising, promotional offers, and partner commissions to grow market share, with 2024 acquisition spend approx. EUR 85–95m (about 3–3.5% of operating income) depending on competition and annual growth targets.
Marketing is data-driven to maximize ROI; conversion and cost-per-acquisition metrics guide budget shifts across channels.
- 2024 est. acquisition spend: EUR 85–95m
- ~3–3.5% of operating income
- Focus: CPA, conversion rates, channel ROI
Physical Infrastructure and Logistics
Bawag Group still bears significant physical infrastructure costs for its optimized branch network—rent, utilities and security—especially in Vienna and Prague hubs; FY2024 premises expenses were about EUR 110m, reflecting ongoing capital tied to prime locations.
ATM network upkeep and cash logistics add material operational spend; in 2024 Bawag reported EUR 18m on cash handling and terminal services, driven by ~700 ATMs and armored transport contracts.
- Premises cost ~EUR 110m (FY2024)
- Cash/ATM ops ~EUR 18m (FY2024)
- ~700 ATMs maintained across markets
BAWAG 2024 costs: Personnel €1.596bn; Tech €120–150m; Compliance €120m; Premises €110m
BAWAG Group’s 2024 cost base: tech €120–150m (8–10%), personnel ~€1,596m (~38% of Opex; 4,200 head, €375k revenue/employee), regulatory & deposit insurance €45m, compliance/AML €120m, acquisition €85–95m, premises €110m, cash/ATM €18m.
| Cost line | 2024 |
|---|---|
| Technology | €120–150m |
| Personnel | €1,596m |
| Regulatory | €45m |
| Compliance | €120m |
| Acquisition | €85–95m |
| Premises | €110m |
| Cash/ATM | €18m |
Revenue Streams
Net Interest Income from Lending
Net interest income, the largest revenue source, equals interest on loans minus interest on deposits and in 9M 2025 BAWAG Group reported net interest income of EUR 1.15bn, driven by mortgages, personal loans, credit cards and corporate credit lines; the late-2025 higher-for-longer rate backdrop kept NII margins elevated, contributing roughly 68% of operating profit through Sept 30, 2025.
Account Management and Service Fees
BAWAG earns steady income from monthly maintenance fees on checking and business accounts—covering platform access, debit cards, and basic transactions—and these fees accounted for about EUR 240m in fee and commission income in FY2024, providing predictable revenue that cushions net interest income volatility; fee income represented roughly 18% of total operating income in 2024, making this stream a stable base irrespective of rate swings.
Commission from Third-Party Products
BAWAG earns commissions by distributing partner insurance, investment funds and other third-party financial products, letting the bank monetize 2.3m+ retail relationships without holding product risk; in 2024 commissions and fees contributed about 18% of non-interest income (~€180m of €1.0bn non-interest income, FY2024).
Asset Management and Advisory Fees
Asset management and advisory fees come from wealth management and bespoke advisory for HNW and corporate clients, typically charged as a percentage of assets under management (AUM) or project fees; BAWAG Group reported €28.9bn AUM in 2024, driving recurring fee income and higher margins.
- Fees tied to AUM: percentage-based on €28.9bn (2024)
- Project/advisory fees: complexity-linked, one-time
- Rewards expertise and client relationships; boosts stable recurring revenue
Transaction and Payment Processing Fees
The group earns small fees on card transactions, international wires, and FX, which scale: in 2024 BAWAG Group processed over €75 billion in customer payments, making payments fees a meaningful income line as Europe shifts cashless.
Here’s the quick math: low fee per-item × high volume — card and digital payments rose ~8% y/y in Austria and CEE in 2024, boosting fee income and margins.
- Processed volume: €75bn+ (2024)
- Card/digital tx growth: ~8% y/y (2024)
- Revenue type: per-transaction, wire, FX fees
- Driver: Europe cashless shift
NII fuels growth: €1.15bn to 9M25, €240m fees, €28.9bn AUM, €75bn+ payments
Net interest income dominated (EUR 1.15bn in 9M 2025, ~68% of operating profit to Sept 30, 2025); fee & commission income steady (≈EUR 240m FY2024, ~18% of operating income) from account fees, cards, payments (processed >€75bn in 2024) and distribution commissions; AUM-driven wealth fees on €28.9bn AUM (2024) add recurring, higher-margin revenue.
| Metric | Value |
|---|---|
| NII 9M 2025 | EUR 1.15bn |
| Operating profit share | ~68% |
| Fee income FY2024 | EUR 240m |
| AUM 2024 | EUR 28.9bn |
| Payments processed 2024 | >EUR 75bn |