BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft financials
BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft
Country: AT Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
529900ICA8XQYGIKR372 Financial statements
(EUR, as reported — unscaled; 118 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | €153.6M | €154.3M |
| Operating expenses | €783.8M | €518.9M |
| Depreciation & amortisation | €64.8M | €60.0M |
| Profit before tax | €1.16B | €1.00B |
| Income tax expense | €291.4M | €220.1M |
| Profit for the year | €871.9M | €781.8M |
| — attributable to owners | €869.9M | €781.8M |
| — attributable to NCI | €2.0M | €0 |
| Total comprehensive income | €932.6M | €749.2M |
| Cash flow statement | ||
| Net cash from operating activities | -€3.53B | €1.34B |
| Income taxes paid | €274.0M | €195.0M |
| Net cash from investing activities | €600.0M | €3.88B |
| Net cash from financing activities | -€741.0M | -€589.0M |
| Dividends paid | €500.0M | €678.0M |
| Lease liability payments | €29.0M | €29.0M |
| Balance sheet | ||
| Total assets | €70.98B | €70.27B |
| Property, plant & equipment | €292.0M | €245.0M |
| Intangible assets & goodwill | €42.0M | €42.0M |
| Cash & equivalents | €13.69B | €17.36B |
| Total equity | €4.34B | €4.13B |
| Non-controlling interests | €9.0M | €0 |
| Deferred tax liabilities | €147.0M | €75.0M |
| Derived metrics | ||
| Free cash flow | -€3.62B | €1.29B |
| Return on equity | 20.1% | 18.9% |
| Cash conversion ratio | -4.05× | 1.71× |
| Capex coverage | -37.55× | 27.35× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Measured At Amortised Cost | -€1.74B | €182.0M |
| Adjustments For Decrease Increase In Other Assets | €267.0M | €38.0M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €246.0M | €130.0M |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Amortised Cost | -€3.65B | -€683.0M |
| Adjustments For Increase Decrease In Other Liabilities | -€109.0M | €65.0M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€14.0M | €9.0M |
| Adjustments For Provisions | €106.0M | €67.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €7.0M | €4.0M |
| Cash and Bank Balances At Central Banks | €13.69B | €17.36B |
| Cash Flows From Used In Operations Before Changes In Working Capital | -€41.0M | -€421.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €1.7M | €0 |
| Comprehensive Income Attributable To Owners of Parent | €930.9M | €749.2M |
| Current Tax Assets | €19.0M | €16.0M |
| Current Tax Liabilities | €71.0M | €51.0M |
| Debt Instruments Held | €3.61B | €3.08B |
| Deferred Tax Assets | €107.0M | €119.0M |
| Deposits From Banks | €804.0M | €1.25B |
| Deposits From Customers | €46.67B | €45.73B |
| Derivative Financial Assets Held For Hedging | €358.0M | €331.0M |
| Derivative Financial Liabilities Held For Hedging | €92.0M | €291.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €550.0M | — |
| Dividends Received Classified As Operating Activities | €4.0M | €4.0M |
| Equity and Liabilities | €70.98B | €70.27B |
| Fee and Commission Expense | €171.7M | €109.7M |
| Fee and Commission Income | €541.3M | €418.5M |
| Fee and Commission Income Expense | €369.6M | €308.8M |
| Financial Assets At Amortised Cost | €54.13B | €48.89B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €1.31B | €1.90B |
| Financial Assets At Fair Value Through Profit Or Loss | €517.0M | €624.0M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €109.0M | €317.0M |
| Financial Liabilities At Amortised Cost | €65.00B | €64.16B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €451.0M | €454.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €55.0M | €100.0M |
| Gains Arising From Derecognition of Financial Assets Measured At Amortised Cost | €100.0K | €0 |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €207.9M | €62.6M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €14.2M | -€17.3M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €3.4M | €100.0K |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €0 | €0 |
| Increase Decrease Through Sharebased Payment Transactions | €46.0M | €2.0M |
| Increase Decrease Through Transactions With Owners | -€454.0M | -€676.0M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €8.0M | €4.0M |
| Interest Expense | €1.50B | €1.77B |
| Interest Paid Classified As Operating Activities | €1.56B | €1.68B |
| Interest Received Classified As Operating Activities | €3.07B | €2.98B |
| Interest Revenue Calculated Using Effective Interest Method | €2.86B | €2.39B |
| Investment Accounted For Using Equity Method | €106.0M | €101.0M |
| Investment Property | €232.0M | €50.0M |
| Liabilities | €66.64B | €66.14B |
| Loans and Advances To Banks | €443.0M | €829.0M |
| Loans and Advances To Customers | €50.07B | €44.98B |
| Losses Arising From Derecognition of Financial Assets Measured At Amortised Cost | €1.6M | €7.2M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €119.0M | €5.0M |
| Other Adjustments For Noncash Items | €371.0M | -€330.0M |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | -€1.61B | -€1.07B |
| Other Assets | €343.0M | €273.0M |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €0 | €1.0M |
| Other Comprehensive Income | €60.7M | -€32.6M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €71.0M | -€57.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€700.0K | -€1.7M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€12.6M | €4.3M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€9.6M | €12.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €1.6M | €1.4M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €8.8M | €0 |
| Other Comprehensive Income Before Tax Hedges of Net Investments In Foreign Operations | €15.4M | -€8.8M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €50.0M | -€32.2M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €10.7M | -€400.0K |
| Other Equity Interest | €496.0M | €715.0M |
| Other Expense By Nature | €167.0M | €128.9M |
| Other Liabilities | €865.0M | €952.0M |
| Payments of Other Equity Instruments | €221.0M | €256.0M |
| Proceeds From Changes In Ownership Interests In Subsidiaries | €6.0M | €0 |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €6.0M | €27.0M |
| Proceeds From Issue of Subordinated Liabilities | €50.0M | €0 |
| Proceeds From Issuing Other Equity Instruments | €0 | €500.0M |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €0 | €29.0M |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €1.10B | €1.02B |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €838.0M | €1.81B |
| Provisions | €251.0M | €285.0M |
| Purchase of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €748.0M | €399.0M |
| Purchase of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €338.0M | €459.0M |
| Purchase of Interests In Investments Accounted For Using Equity Method | €9.0M | €0 |
| Purchase of Investments Other Than Investments Accounted For Using Equity Method | €157.0M | -€1.90B |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €94.0M | €49.0M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | -€3.2M | -€10.8M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €14.0M | -€47.4M |
| Reduction of Issued Capital | €0 | €0 |
| Repayments of Subordinated Liabilities | €0 | €104.0M |
| Revenue From Dividends | €4.1M | €3.8M |
| Revenue From Interest | €3.30B | €3.05B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €4.4M | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €6.6M | €4.3M |
Methodology
Every line item above is a fact tagged in BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.