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Bank Profitability1

Volksbank credit cooperatives, building and loan associations

End of period	2016	2017	2018	Q3 18	Q4 18	Q1 19	Q2 19
	EUR million
Volksbank credit cooperatives4
Interest receivable and similar income	564.46	497.04	488.80	364.08	488.80	119.12	226.78
Interest payable and similar charges	114.21	85.27	74.54	55.66	74.54	15.87	31.29
Net interest income	450.25	411.77	414.26	308.43	414.26	103.25	195.50
Income from securities and participations	22.28	13.45	15.93	12.01	15.93	1.42	5.50
Net commissions income	239.34	259.83	260.68	199.62	260.68	63.79	123.49
Net profit or loss on financial operations	4.79	3.08	1.61	1.18	1.61	0.28	0.43
Other operating income	169.99	154.44	144.12	103.23	144.12	48.01	96.13
Operating income	886.66	842.56	836.60	624.46	836.60	216.76	421.05
Staff costs	362.10	343.65	323.11	245.36	323.11	78.28	151.67
Other administrative expenses	271.69	265.00	314.19	235.98	314.19	78.82	158.25
Depreciation and amortization	42.57	31.53	27.38	17.66	27.38	5.66	10.73
Other operating expenses	80.93	91.37	43.71	32.07	43.71	9.08	21.31
Operating expenses	757.29	731.54	708.38	531.07	708.38	171.84	341.96
Operating profit	129.37	111.02	128.21	93.39	128.21	44.92	79.08
Expected annual operating profit	129.55	111.00	128.21	112.89	128.21	136.59	124.52
Expected risk provisions for lending2	−11.42	52.14	−18.88	25.81	−18.88	49.07	35.14
Expected risk provisions for securities and participations2	31.60	−68.49	11.84	2.44	11.84	8.96	−46.92
Expected profit or loss on ordinary activities	109.36	127.35	135.25	84.63	135.25	78.56	136.29
Expected extraordinary profit or loss	−45.01	−14.60	−27.34	0.00	−27.34	0.02	0.00
Expected tax on profit or loss and other taxes	8.30	16.19	28.26	16.03	28.26	12.88	16.22
Expected profit or loss for the year after tax	56.06	96.56	79.65	68.61	79.65	65.69	120.07
Average total assets3	32,924.39	31,417.13	31,813.10	31,570.64	31,813.10	33,566.70	25,506.51
Building and loan associations
Interest receivable and similar income	490.35	521.90	508.26	368.17	508.26	122.62	230.06
Interest payable and similar charges	276.62	261.75	257.85	186.45	257.85	57.84	106.48
Net interest income	213.73	260.15	250.41	181.72	250.41	64.77	123.58
Income from securities and participations	16.94	5.76	16.43	5.85	16.43	2.74	13.49
Net commissions income	−87.31	−30.09	15.72	10.15	15.72	0.68	2.95
Net profit or loss on financial operations	16.46	0.00	0.00	0.00	0.00	0.00	0.00
Other operating income	94.99	71.46	46.66	32.39	46.66	10.96	20.53
Operating income	254.82	307.29	329.22	230.10	329.22	79.15	160.55
Staff costs	113.94	75.82	82.81	57.26	82.81	18.62	36.29
Other administrative expenses	104.23	102.35	93.79	71.95	93.79	32.00	50.20
Depreciation and amortization	5.14	4.54	4.21	4.04	4.21	0.96	1.94
Other operating expenses	46.04	47.88	44.22	32.41	44.22	10.40	27.00
Operating expenses	269.34	230.59	225.04	165.67	225.04	61.99	115.43
Operating profit	−14.53	76.70	104.18	64.43	104.18	17.17	45.12
Expected annual operating profit	−14.53	76.80	104.18	82.61	104.18	113.08	105.53
Expected risk provisions for lending2	−5.85	−0.08	12.82	10.83	12.82	8.39	5.24
Expected risk provisions for securities and participations2	−2.58	−0.12	−2.50	2.13	−2.50	0.50	3.00
Expected profit or loss on ordinary activities	−6.10	77.00	93.87	69.65	93.87	104.19	97.29
Expected extraordinary profit or loss	−4.73	0.00	0.00	0.00	0.00	0.00	0.00
Expected tax on profit or loss and other taxes	−32.68	14.86	5.59	8.75	5.59	18.61	14.46
Expected profit or loss for the year after tax	21.85	62.14	88.27	60.90	88.27	85.59	82.82
Average total assets3	23,488.70	23,654.44	22,525.79	22,528.91	22,525.79	22,250.55	21,774.07
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  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 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018 to 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018   quarters:  from 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019Q1Q2Q3Q4 to 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019Q1Q2Q3Q4 fix header:

last update on 27.08.2019 13:03

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