Earnings release
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EXCERPTS OF PUBLIC DISCLOSURE Q4 2025 VIENNA, January 20, 2026 1 EXCERPTS OF PUBLIC DISCLOSURE Q4 2025 2025 OUTLOOK AND TARGETS REVENUES - NET INTEREST INCOME … positive trend expected to continue o Solid loan growth: robust consumer & SME, strong momentum in real estate & public sector o Stable deposit volumes … deposit beta at 38% in Q3’25; stable in Q4‘25 o Further reductions in the investment book o Net interest margin: guidance 325-330 bps; stable in Q4’25 - NET COMMISSION INCOME … similar run-rate as in Q3'25 COSTS - OPERATING EXPENSES … expected < €200m operating expenses for Q4 ‘25 - REGULATORY CHARGES … ~€10m for Q4 ‘25 - RISK COST … FY 2025 ~40bps … € 8 million exposure to First Brands addressed in risk cost in Q4’25 CAPITAL - CONSUMER SRT executed during Q4’25 - SHARE BUYBACK (€ 75m) for company stock program launched on January 16, 2026; deducted in Q4’25 - Solid LOAN GROWTH (see above)
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EXCERPTS OF PUBLIC DISCLOSURE Q4 2025 VIENNA, January 20, 2026 2 Note This document provides excerpts of public disclosures of BAWAG Group during 2025. The messages are sourced from the Q3 2025 earnings transcript, Q3 2025 earnings presentation, as well as information released during the fourth quarter 2025. Except where noted, the excerpts were prepared at the time of the Q3 2025 disclosure and were provided to you at such time. BAWAG Group has not and expressly disclaims any obligation to update or alter any statements therein, including without limitations any forward-looking statements, whether as a result of new information, future events, or otherwise. The information in this document is to be read together with the Q3 2025 earnings presentation as well as all releases published since then. Documents can be found on our website under https://www.bawaggroup.com/BAWAGGROUP/IR/EN/Financial-Results unless stated otherwise. About BAWAG Group BAWAG Group AG is a publicly listed holding company headquartered in Vienna, Austria, serving our over 4 million retail, small business, corporate, real estate and public sector customers across Austria, Germany, Switzerland, Netherlands, Ireland, the United Kingdom, and the United States. The Group operates under various brands and across multiple channels offering comprehensive savings, payment, lending, leasing, investment, building society, factoring and insurance products and services. Our goal is to deliver simple, transparent, and affordable financial products and services that our customers need. BAWAG Group’s Investor Relations website https://www.bawaggroup.com/ir contains further information, including financial and other information for investors. Forward-looking statement This document contains “forward-looking statements” regarding the financial condition, results of operations, business plans and future performance of BAWAG Group. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may,” “will,” “should,” “would,” “could” and other similar expressions are intended to identify these forward-looking statements. These forward-looking statements reflect management’s expectations as of the date hereof and are subject to risks and uncertainties that may cause actual results to differ materially from those projected. These risks and uncertainties include, but are not limited to, economic conditions, the regulatory environment, loan concentrations, vendors, employees, technology, competition, and interest rates. Readers are cautioned not to place undue reliance on the forward-looking statements as actual results may differ materially from the results predicted. Neither BAWAG Group nor any of its affiliates, advisors or representatives shall have any liability whatsoever (in negligence or otherwise) for any loss howsoever arising from any use of this report or its content or otherwise arising in connection with this document. This report does not constitute an offer or invitation to purchase or subscribe for any securities and neither it nor any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. This statement is included for the express purpose of invoking “safe harbor provisions”. Financial Community: Jutta Wimmer (Head of Investor Relations) IR Hotline: +43 (0) 5 99 05-34444 E-mail: investor.relations@bawaggroup.com Contact: