``HCOB has successfully launched its refocused business strategy, and we are very satisfied with the results to date. Thanks to our sustained operational strength and solid earnings base, we are thoroughly equipped to handle the one-off burdens resulting from the business adjustments. The bank is very well capitalised, has strong liquidity and is optimally positioned for profitable growth in its core franchise business areas.”

Luc Popelier, CEO

KPIs

Profit before tax (€mn)

H1 2024

H1 2025

Normalized H1 2024

Normalized H1 20251

Guidance 2025

Net income (€mn)

H1 2024

H1 2025

Normalized H1 2024

Normalized H1 20251

Return on Equity post-tax (in %)

H1 2024

H1 2025

Normalized H1 2024

Normalized H1 20251

Guidance 2025

Cost-Income-Ratio (in %)

H1 2024

H1 2025

Normalized H1 2024

Normalized H1 20251

Guidance 2025

Non-Performing Loans (in %)

H1 2024

H1 2025

Guidance 2025

CET1 ratio (in %)

H1 2024

H1 2025

Guidance 2025

Focus on core franchise business in Germany and Europe

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