BTV Vier Länder Bank AG expanded its key figures in customer business in the 2025 financial year, while annual profit fell significantly below the previous year’s level.
In addition, the bank made two structural changes: the renaming from Bank für Tirol und Vorarlberg AG to BTV Vier Länder Bank AG on July 1, 2025 and the addition of Silvia Vicente to the board of directors with effect from January 1, 2026.
Board of Directors is expanded
With Silvia Vicente, a long-time employee is joining the board. She has been working at BTV since 2000 and most recently held senior positions in the Financial Markets department. In the future, she will be responsible for the Vorarlberg, Tyrol and South Tyrol markets as well as the tourism sector on the board. She complements the existing management team with CEO Gerhard Burtscher and Dr. Hansjörg Müller, Mario Pabst and Dr. Markus Perschl, MBA.
Renamed after over 120 years
After more than 120 years under the name Bank für Tirol und Vorarlberg, the institute now operates as BTV Vier Länder Bank AG. The change takes into account the fact that the bank has also been active in Bavaria and South Tyrol for years – the four core markets are now reflected in the company name for the first time.
Customer funds and balance sheet grow
Customer funds under management rose by 1.634 billion euros to 21.969 billion euros in 2025 – close to the 22 billion euro mark for the first time. Customer receivables increased by 247 million euros to 9.041 billion euros, and total assets grew by 522 million euros to 15.913 billion euros. Equity increased by 152 million euros to 2.640 billion euros, primary funds increased by 396 million euros to 11.854 billion euros.
Profit drops significantly
The annual profit before taxes fell from 264.9 million euros to 183.2 million euros – a decrease of 81.7 million euros. The bank points to declining interest income as a key factor after interest margins were unusually high in previous years. According to the company’s own information, the result was still above the internal budget. The bank did not provide any specific information about the extent to which this would be the case.
Awards
In the area of asset management, BTV received a “Very Good” rating from FUCHS|RICHTER PRÜFINSTANZ in the area of transparency and was placed among the top ten of the institutes tested. At the FMVÖ Recommender Award, it took first place among the national banks as well as the special “Rising Star of the Year” award. BTV Asset Management was awarded the firstfive seal for the 16th time in a row.
Sustainable products expanded
The “BTV fair future” product line was expanded in 2025, including through additional bond issues. Several products – including BTV fair future bonds, the BTV fair future investment account and the BTV fair future account – received the Austrian eco-label.
The most important key figures for 2025 at a glance
- Customer funds under management: 21.969 billion euros
- Customer requirements: 9.041 billion euros
- Total assets: 15.913 billion euros
- Equity capital: 2.640 billion euros
- Primary remedies: 11.854 billion euros
- Annual profit before taxes: 183.2 million euros
