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Enver Sirucic

CFO & Deputy CEO, BAWAG Group

Search every verified Enver Sirucic interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Enver Sirucic, CFO and Deputy CEO of BAWAG Group, participated in the company’s Q2 2026 earnings call on July 22, 2026. During the call, he stated that BAWAG had not made any dividend accruals in the first half of the year, which he said positions the company to fully self-fund its planned acquisition of PTSB. He noted that the transaction is expected to cost approximately 450 basis points of CET1 capital, requiring BAWAG to maintain a capital ratio above 17% to meet its post-transaction management target of 12.5%. Sirucic also addressed changes in the bank’s asset mix, attributing a shift in its risk ratio to muted mortgage demand and an increase in higher-yielding consumer unsecured lending, particularly credit cards. He described this as a reflection of the changing asset composition over recent quarters rather than a macroeconomic update, noting that the stronger top line from these assets is accompanied by a front-loading of expected credit loss effects.

Recent appearances

  • BAWAG Group Q2 2026 Earnings Call | Cost Efficiency Ratios Underpin Double-Digit Return Goals

    July 23, 2026 · 📺 i101

    BAWAG Group Q2 2026 Earnings Conference Call. Twitter - https://x.com/i101yt If you find our work useful, please support us by purchasing a Super Thanks— it truly helps us a lot. #earningscall #StockMarketNews #conferenceCall Earnings Call | Earnings Conference Call | Earnings concall | concall | quarterly results | Stock News | Full Year results | Fiscal Year results | investment news | stock latest news | Annual Meeting of Shareholders | Annual Meeting of Unitholders | Special and Annual Meeting of Shareholders | AGM | Annual General Meeting If you want us to remove your company's earn…

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  • BAWAG Group Q1 2026 Earnings Call | Record Profit of €198M Driven by 25% Return on Tangible Equity

    April 21, 2026 · 📺 i101

    2026 Earnings Conference Call. If you find our work useful, please support us by purchasing a Super Thanks— it truly helps us a ...

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  • BAWAG Group Q4 2025 Earnings Call

    February 11, 2026 · 📺 i101

    BAWAG Group Q4 2025 Earnings Conference Call. If you find our work useful, please support us by purchasing a Super Thanks— it truly helps us a lot. #earningscall #StockMarketNews #conferenceCall Earnings Call | Earnings Conference Call | Earnings concall | concall | quarterly results | Stock News | Full Year results | Fiscal Year results | investment news | stock latest news If you want us to remove your company's earnings call or any other conference call, please reach out to [email protected].

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The summary and quote tags on this profile are produced with AI assistance from verified, first-person interview transcripts, then checked by our team to confirm the speaker's identity and the accuracy of every quote. See how we verify →