Erste Group Bank AG Ratios and Metrics

Market cap in millions RON. Fiscal year is January - December.

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 17, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	212,930	121,823	73,699	60,239	82,946	49,242
Market Cap Growth	75.35%	65.30%	22.34%	-27.38%	68.45%	-24.89%
Last Close Price	540.00	281.86	164.04	124.27	162.94	93.64
PE Ratio	13.74	8.18	5.11	5.90	9.44	15.13
PS Ratio	3.82	2.27	1.45	1.48	2.21	1.73
PB Ratio	1.24	0.80	0.52	0.48	0.71	0.45
Debt / Equity Ratio	2.03	2.12	1.88	1.69	1.54	1.59
Net Debt / Equity Ratio	1.66	1.09	0.47	0.13	-0.39	-0.09
Net Debt / FCF Ratio	-11.74	-1.93	-8.31	-0.18	0.59	0.39
Return on Equity (ROE)	12.33%	13.31%	14.57%	10.93%	10.49%	4.78%
Return on Assets (ROA)	1.11%	1.14%	1.19%	0.84%	0.82%	0.39%
Earnings Yield	7.28%	12.76%	20.23%	17.78%	11.47%	7.74%
FCF Yield	-11.40%	-71.20%	-10.95%	-149.27%	-92.03%	-53.75%
Dividend Yield	2.86%	5.29%	8.19%	7.56%	4.86%	7.80%
Payout Ratio	41.39%	38.94%	28.99%	34.83%	39.30%	14.63%
Buyback Yield / Dilution	2.26%	2.38%	0.27%	-0.29%	0.02%	0.06%
Total Shareholder Return	5.12%	7.67%	8.46%	7.27%	4.88%	7.85%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.