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Bank Profitability1

Joint stock banks and private banks, savings banks

End of period	2019	2020	2021	Q4 21	Q1 22	Q2 22	Q3 22
	EUR million
Joint stock banks and private banks45
Interest receivable and similar income	3,861.12	3,456.48	3,550.54	3,550.54	897.17	1,866.50	2,923.64
Interest payable and similar charges	1,216.60	835.73	936.12	936.12	247.17	487.05	812.66
Net interest income	2,644.51	2,620.75	2,614.42	2,614.42	649.99	1,379.45	2,110.98
Income from securities and participations	548.02	380.95	560.43	560.43	80.01	172.11	209.52
Net commissions income	1,414.00	1,364.82	1,503.59	1,503.59	410.24	788.51	1,153.19
Net profit or loss on financial operations	225.01	155.61	239.11	239.11	81.84	156.65	242.56
Other operating income	392.42	378.28	476.40	476.40	473.42	890.59	1,189.79
Operating income	5,223.96	4,900.41	5,393.95	5,393.95	1,695.51	3,387.32	4,906.04
Staff costs	2,239.25	1,717.19	1,920.27	1,920.27	399.92	778.98	1,159.13
Other administrative expenses	1,277.85	1,267.17	1,354.79	1,354.79	351.03	662.08	936.03
Depreciation and amortization	116.48	120.25	263.22	263.22	60.50	124.60	186.06
Other operating expenses	295.51	339.86	339.20	339.20	126.83	168.69	212.06
Operating expenses	3,929.08	3,444.46	3,877.48	3,877.48	938.27	1,734.35	2,493.28
Operating profit	1,294.88	1,455.94	1,516.46	1,516.46	757.24	1,652.97	2,412.76
Expected annual operating profit	1,303.91	1,460.46	1,505.64	1,505.64	1,631.92	2,134.33	2,701.98
Expected risk provisions for lending2	356.80	759.80	388.99	388.99	494.44	649.34	834.68
Expected risk provisions for securities and participations2	−93.37	58.11	164.43	164.43	375.98	397.40	67.23
Expected profit or loss on ordinary activities	1,040.48	642.55	952.23	952.23	761.49	1,087.59	1,800.08
Expected extraordinary profit or loss	−6.82	65.06	12.89	12.89	5.53	5.61	7.67
Expected tax on profit or loss and other taxes	167.48	178.12	258.48	258.48	401.40	548.82	477.10
Expected profit or loss for the year after tax	866.18	529.49	706.64	706.64	365.62	544.38	1,330.65
Average total assets3	222,847.74	237,846.67	255,090.41	255,090.41	265,037.66	269,220.18	266,520.09
Savings banks4
Interest receivable and similar income	4,337.66	3,632.47	3,375.88	3,375.88	1,046.62	2,324.56	4,122.44
Interest payable and similar charges	2,656.02	1,940.42	1,590.73	1,590.73	564.95	1,338.41	2,562.93
Net interest income	1,681.65	1,692.04	1,785.14	1,785.14	481.67	986.15	1,559.51
Income from securities and participations	966.84	510.30	848.10	848.10	194.15	1,977.60	2,012.33
Net commissions income	831.60	882.90	1,009.95	1,009.95	268.06	528.57	787.85
Net profit or loss on financial operations	−37.74	18.34	46.51	46.51	−3.25	1.39	−53.73
Other operating income	356.83	226.94	252.22	252.22	47.07	129.29	175.05
Operating income	3,799.18	3,330.51	3,941.94	3,941.94	987.70	3,622.99	4,481.00
Staff costs	1,333.24	1,247.26	1,191.54	1,191.54	248.58	504.30	779.60
Other administrative expenses	1,016.27	942.29	946.27	946.27	305.13	503.27	725.12
Depreciation and amortization	71.08	67.58	66.10	66.10	14.89	30.32	46.60
Other operating expenses	118.48	89.13	133.67	133.67	89.85	182.15	222.13
Operating expenses	2,539.07	2,346.26	2,337.58	2,337.58	658.47	1,220.04	1,773.46
Operating profit	1,260.11	984.25	1,604.36	1,604.36	329.23	2,402.95	2,707.55
Expected annual operating profit	1,571.02	984.55	1,604.37	1,604.37	2,607.10	2,857.17	2,987.82
Expected risk provisions for lending2	14.61	606.34	31.26	31.26	189.08	199.98	200.37
Expected risk provisions for securities and participations2	25.36	−24.71	−1,028.56	−1,028.56	42.01	71.84	49.80
Expected profit or loss on ordinary activities	1,531.05	402.92	2,601.67	2,601.67	2,376.01	2,585.36	2,737.65
Expected extraordinary profit or loss	−60.20	2.39	−45.52	−45.52	−18.56	−18.33	−17.34
Expected tax on profit or loss and other taxes	87.56	36.41	52.94	52.94	111.56	148.06	177.12
Expected profit or loss for the year after tax	1,383.29	368.90	2,503.21	2,503.21	2,245.89	2,418.96	2,543.19
Average total assets3	188,643.11	211,226.45	246,073.32	246,073.32	273,552.60	274,910.85	278,237.49
Source: OeNB.
Time series breaks may occur in all sectors due to sector modifications from June 2004 (establishment of a separate sector for Member State credit institutions operating in Austria pursuant to Article 9 Austrian Banking Act).
1  Based on the quarterly report. The profitability data of credit institutions operating in Austria are shown on an unconsolidated basis.
2  Including already effected direct write-offs.
3  Average total assets, based on end-of-day balances, for the last completed financial year.
4  A reclassification among sectors (Bank Austria Creditanstalt AG) from savings banks to joint stock bank and private banks led to a break in the data series in December 2004.
5  Individual banks were reclassified from or to Joint stock banks and private banks, Raiffeisen credit cooperatives, Volksbank credit cooperatives and Special purpose banks in December 2006 to reflect the standardization of the sector allocation criteria used by the OeNB and the Financial Market Authority (FMA).

language: German English

time series: years:  from from year199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021 to 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021   quarters:  from from year1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022from monthQ1Q2Q3Q4 to 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022Q1Q2Q3Q4 fix header:

last update on 25.11.2022 15:52

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