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1. Company Snapshot

1.a. Company Description

BKS Bank AG, together with its subsidiaries, provides various banking products and services.The company operates through four segments: Corporate and Business Banking, Retail Banking, Financial Markets, and Other segments.It accepts various deposits products, such as savings, sight, and time deposits; and offers debit and credit, and prepaid cards, as well as investment, lease, and export finance.


The company also provides home, real estate, working capital loans, as well as guarantees; car, equipment, and real estate leasing; consumer and silver credit; and payment, internet and electronic banking, asset management, treasury, and private banking, as well as advisory services for government lending schemes.In addition, it offers prevention, accident, demise, household, home, legal protection, liability, and illness insurance; and bonds, shares, and precious metals investment services.Further, the company is involved in proprietary trading activity.


It operates multiple branches in Austria and internationally.The company was founded in 1922 and is headquartered in Klagenfurt, Austria.

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1.b. Last Insights on BKS

BKS Bank AG's recent performance is driven by strong European market resilience, with the STOXX Europe 600 Index posting its longest streak of weekly gains since 2012. The bank's financial health and stability are likely benefiting from the economic environment, as investors seek safe-haven assets. Additionally, BKS Bank's commitment to share buybacks, as seen in its 2024 share repurchase program, demonstrates its confidence in its future prospects and may have boosted investor sentiment.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.66%)

6. Segments

Corporate Customers

Expected Growth: 4.5%

The growth of corporate customers from BKS Bank AG is driven by increasing demand for cash management and trade finance solutions, as well as the bank's strategic expansion into new markets and industries.

Private Customers

Expected Growth: 4.5%

Growing demand for digital banking services, increasing adoption of online payment systems, and rising disposable income among private customers are expected to drive growth in BKS Bank AG's private customer segment.

Financial Markets

Expected Growth: 5.2%

The growth of Financial Markets at BKS Bank AG is driven by increasing demand for trading and investment services, expansion into new asset classes, and strategic partnerships. The department's expertise in currencies, commodities, and securities will continue to attract clients, fueling growth.

Other

Expected Growth: 3.5%

The 'Other' segment of BKS Bank AG is driven by miscellaneous income, including extraordinary items. Growth is fueled by increasing diversification of revenue streams, improved asset management, and strategic investments. This segment is expected to grow steadily, driven by the bank's efforts to expand its non-operating income.

7. Detailed Products

Private Banking

Personalized financial services for high net worth individuals, including investment advice, portfolio management, and wealth planning.

Corporate Banking

Financial solutions for businesses, including cash management, trade finance, and lending services.

Transaction Banking

Efficient payment and cash management solutions for businesses, including account services and treasury management.

Markets and Securities

Trading and investment services for institutional clients, including equities, fixed income, and currencies.

Asset Management

Investment management services for institutional clients, including portfolio management and investment strategies.

Digital Banking

Online and mobile banking services for individuals and businesses, including account management and payment services.

8. BKS Bank AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for BKS Bank AG is moderate, as customers have various alternatives for banking services.

Bargaining Power Of Customers

The bargaining power of customers is low, as BKS Bank AG has a strong customer base and offers a range of services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as BKS Bank AG relies on various suppliers for its operations.

Threat Of New Entrants

The threat of new entrants is high, as the banking industry is highly competitive and new players can easily enter the market.

Intensity Of Rivalry

The intensity of rivalry is high, as BKS Bank AG operates in a highly competitive market with many established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.85%
Debt Cost 5.44%
Equity Weight 46.15%
Equity Cost 5.44%
WACC 5.44%
Leverage 116.68%

11. Quality Control: BKS Bank AG passed 1 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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SpareBank 1 Ostlandet

A-Score: 7.7/10

Value: 6.4

Growth: 7.9

Quality: 5.5

Yield: 8.8

Momentum: 8.5

Volatility: 9.0

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BKS Bank

A-Score: 7.0/10

Value: 7.3

Growth: 7.8

Quality: 5.6

Yield: 3.1

Momentum: 8.5

Volatility: 10.0

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Valiant Holding

A-Score: 6.6/10

Value: 5.9

Growth: 3.8

Quality: 4.9

Yield: 6.2

Momentum: 9.0

Volatility: 10.0

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SpareBank 1 Østfold Akershus

A-Score: 6.5/10

Value: 4.7

Growth: 5.1

Quality: 5.5

Yield: 7.5

Momentum: 8.5

Volatility: 7.7

1-Year Total Return ->

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Spar Nord Bank

A-Score: 6.5/10

Value: 4.6

Growth: 7.3

Quality: 7.6

Yield: 4.4

Momentum: 9.5

Volatility: 5.3

1-Year Total Return ->

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ProCredit Holding

A-Score: 6.2/10

Value: 9.8

Growth: 3.9

Quality: 6.5

Yield: 8.1

Momentum: 6.0

Volatility: 2.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

17.6$

Current Price

17.6$

Potential

-0.00%

Expected Cash-Flows