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1. Company Snapshot

1.a. Company Description

Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides corporate and retail banking products and services in Austria and internationally.It operates through five segments: Corporate Customers, private Customers, Financial Markets, Leasing, and Cable Car.The company offers various deposit and loan products, as well as asset management services.


It also provides structured corporate financing, investment financing, development loan, hire purchase, investment loan, home loan, payment transaction, insurance, and other financial services.In addition, the company engages in operation of cable cars, as well as provision of other tourism operations.It serves small, medium, and large companies, as well as public accountants, private customers, and freelancers.


The company was founded in 1904 and is headquartered in Innsbruck, Austria.

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1.b. Last Insights on BTS

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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 (6.72%)

6. Segments

Move

Expected Growth: 5.2%

The growth of online fund transfers from Bank für Tirol und Vorarlberg AG is driven by increasing digitalization, convenience, and security. The Austrian banking industry's shift towards digital channels and the growing adoption of online banking services are key drivers of this trend.

Mix

Expected Growth: 10.2%

The digital banking platform's growth is driven by increasing adoption of online banking, demand for user-friendly interfaces, and the need for convenient financial management. Additionally, the platform's ability to provide access to banking services remotely will continue to drive growth.

Match

Expected Growth: 8.5%

The payment matching service is expected to grow driven by increasing adoption of digital payment systems, rising demand for automation in accounting processes, and the need for efficient cash flow management.

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 risk management.

Retail Banking

Everyday banking services for individuals, including current accounts, credit cards, and personal loans.

Mortgage Lending

Home financing solutions for individuals and businesses, including mortgage loans and construction financing.

Investment Products

Range of investment products, including mutual funds, exchange-traded funds, and structured products.

Payment Services

Secure and efficient payment solutions for businesses, including card acquiring and online payment processing.

Treasury Services

Cash management and treasury solutions for businesses, including foreign exchange and interest rate management.

8. Bank für Tirol und Vorarlberg AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Bank für Tirol und Vorarlberg AG is medium, as there are alternative financial institutions and digital payment methods available to customers.

Bargaining Power Of Customers

The bargaining power of customers is low, as Bank für Tirol und Vorarlberg AG has a strong brand presence and a wide range of financial products and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium, as Bank für Tirol und Vorarlberg AG relies on a network of suppliers for its operations, but has some flexibility in choosing its suppliers.

Threat Of New Entrants

The threat of new entrants is low, as entering the banking industry requires significant capital and regulatory approvals, making it a barrier to entry.

Intensity Of Rivalry

The intensity of rivalry is high, as Bank für Tirol und Vorarlberg AG operates in a competitive banking industry with many established players, and must differentiate itself through its products and services.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 34.39%
Debt Cost 5.22%
Equity Weight 65.61%
Equity Cost 5.22%
WACC 5.22%
Leverage 52.40%

11. Quality Control: Bank für Tirol und Vorarlberg AG passed 4 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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Yield: 0.6

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A-Score: 6.6/10

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Quality: 4.9

Yield: 6.2

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A-Score: 6.2/10

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Quality: 6.5

Yield: 8.1

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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

66.0$

Current Price

66$

Potential

-0.00%

Expected Cash-Flows