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Bank Profitability1 - Full Version

End of period	2017	2018	2019	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19
	EUR million
All sectors
Interest income: claims on credit institutions	2,356.12	3,735.89	3,755.76	3,735.89	997.21	1,910.05	2,868.05	3,755.76
Interest income: claims on nonbanks	9,473.67	9,639.70	9,958.97	9,639.70	2,458.48	4,923.00	7,436.99	9,958.97
Interest income: debt securities	1,421.11	1,230.17	1,058.82	1,230.17	291.40	571.75	847.86	1,058.82
Interest income: remaining assets	576.36	476.40	292.46	476.40	100.16	208.50	280.73	292.46
1. Interest and similar income	13,827.26	15,082.16	15,066.01	15,082.16	3,847.25	7,613.30	11,433.63	15,066.01
Interest expense: liabilities to credit institutions	1,260.69	2,428.41	2,801.22	2,428.41	738.73	1,407.74	2,115.37	2,801.22
Interest expense: liabilities to nonbanks	1,477.88	1,250.34	1,173.00	1,250.34	304.25	603.13	919.44	1,173.00
interest expense: demand deposits	317.84	336.02	357.07	336.02	90.04	173.94	266.52	357.07
interest expense: time deposits	635.75	493.08	471.97	493.08	122.74	252.95	377.73	471.97
interest expense: savings deposits	524.29	421.24	343.96	421.24	91.47	176.23	275.19	343.96
Interest expense: securitized liabilities	2,492.33	2,260.03	2,085.47	2,260.03	531.94	1,096.95	1,614.55	2,085.47
interest expense: debt securities issued	1,655.45	1,609.92	1,691.58	1,609.92	430.67	887.93	1,304.59	1,691.58
Interest expense: other securitized liabilities	836.88	650.11	393.89	650.11	101.27	209.01	309.97	393.89
Interest expense: remaining liabilities	386.98	549.17	396.06	549.17	121.18	224.31	316.40	396.06
2. Interest payable and similar charges	5,617.87	6,487.94	6,455.76	6,487.94	1,696.10	3,332.13	4,965.76	6,455.76
I. Net interest income	8,209.38	8,594.22	8,610.26	8,594.22	2,151.16	4,281.17	6,467.86	8,610.26
Income from shares, participations and variable-income securities	310.44	348.18	301.31	348.18	57.46	139.93	223.19	301.31
Income from participations	275.79	332.89	372.97	332.89	59.10	207.14	281.50	372.97
Income from shares in affiliated companies	3,209.97	2,556.38	2,322.57	2,556.38	494.00	1,594.06	1,820.80	2,322.57
3. Income from securities and participations	3,796.19	3,237.44	2,996.85	3,237.44	610.56	1,941.13	2,325.49	2,996.85
Fee-based income from credit operations	834.01	933.01	949.65	933.01	225.01	458.00	694.18	949.65
Fee-based income from securities	2,558.49	2,443.73	2,447.05	2,443.73	577.37	1,145.85	1,736.52	2,447.05
Fee-based income from payments	2,022.85	2,123.21	2,214.63	2,123.21	550.72	1,090.56	1,649.04	2,214.63
Fee-based income from foreign exchange operations	120.58	123.52	117.75	123.52	28.86	60.75	88.67	117.75
Fee-based income from service operations	1,020.24	932.31	923.29	932.31	227.26	438.84	669.83	923.29
4. Fee-based income	6,556.16	6,555.78	6,652.37	6,555.78	1,609.20	3,194.00	4,838.24	6,652.37
Fees payable for credit operations	351.15	363.26	374.65	363.26	96.70	179.97	274.66	374.65
Fees payable for securities	959.16	873.98	873.43	873.98	203.88	419.31	630.55	873.43
Fees payable for payments	432.86	470.17	487.16	470.17	116.68	233.74	358.98	487.16
Fees payable for foreign exchange and precious metals operations	13.66	14.59	13.69	14.59	3.25	6.31	10.02	13.69
Fees payable for service operations	390.93	275.77	259.82	275.77	59.67	111.04	187.01	259.82
5. Total fees payable	2,147.76	1,997.77	2,008.76	1,997.77	480.18	950.37	1,461.22	2,008.76
Net commissions income	4,408.41	4,558.01	4,643.61	4,558.01	1,129.02	2,243.63	3,377.02	4,643.61
Profit or loss from securities other than financial fixed assets	65.95	169.82	−71.58	169.82	−98.22	−63.25	−35.71	−71.58
Profit of loss from foreign exchange and precious metals operations	85.27	350.58	329.78	350.58	96.34	187.54	282.32	329.78
Profit or loss from other financial operations	184.11	−232.39	21.79	−232.39	5.14	−46.32	−74.29	21.79
6. Net profit or loss on financial operations	335.33	288.01	279.99	288.01	3.26	77.97	172.32	279.99
Disposal of fixed assets	90.10	66.23	67.19	66.23	13.01	29.11	43.41	67.19
Any other operating income	2,680.45	2,644.79	3,127.39	2,644.79	742.00	1,407.41	2,170.69	3,127.39
7. Other operating income	2,770.55	2,711.02	3,194.57	2,711.02	755.01	1,436.52	2,214.10	3,194.57
II. Total operating income	19,519.86	19,388.70	19,725.27	19,388.70	4,649.00	9,980.41	14,556.79	19,725.27
Staff costs	6,040.54	6,380.88	6,740.42	6,380.88	1,686.74	3,308.16	5,070.44	6,740.42
wage and salary payments	4,263.10	4,318.02	4,497.85	4,318.02	1,061.85	2,161.21	3,220.43	4,497.85
expenses for legal levies and compulsory contributions	1,055.61	1,032.39	1,053.85	1,032.39	256.86	529.14	789.44	1,053.85
other social expenses	104.90	114.36	96.35	114.36	24.27	46.31	66.14	96.35
expenses for old age provision	434.44	420.62	490.17	420.62	103.74	220.30	390.45	490.17
allocation of pension fund provisions	−5.37	298.59	316.64	298.59	184.98	222.03	395.00	316.64
allocation of termination benefit provisions	187.86	196.90	285.54	196.90	55.04	129.18	208.99	285.54
Other administrative expenses	4,647.35	4,795.73	4,835.67	4,795.73	1,197.01	2,338.84	3,471.49	4,835.67
8. General administrative expenses	10,687.89	11,176.61	11,576.08	11,176.61	2,883.75	5,647.00	8,541.93	11,576.08
9. Depreciation and amortization	898.88	924.41	998.77	924.41	236.05	477.69	724.68	998.77
Administrative expenses on disposal of fixed assets	20.41	12.35	22.04	12.35	0.97	2.68	19.84	22.04
Current contributions to sectoral support facilities	30.44	38.02	36.56	38.02	8.50	18.57	27.68	36.56
Repayments to sectoral support facilities	3.37	0.00	0.00	0.00	0.03	0.02	0.00	0.00
Other administrative expenses	1,238.41	1,125.39	1,556.06	1,125.39	410.47	703.05	1,055.31	1,556.06
10. Other operating expenses	1,292.63	1,175.75	1,614.67	1,175.75	419.97	724.32	1,102.83	1,614.67
III. Operating expenses	12,879.40	13,276.77	14,189.53	13,276.77	3,539.77	6,849.01	10,369.44	14,189.53
IV. Operating profit	6,640.46	6,111.93	5,535.75	6,111.93	1,109.23	3,131.40	4,187.35	5,535.75
Quarterly update of projected values for the business year
Expected annual operating profit	6,775.74	6,421.41	5,877.28	6,421.41	6,296.05	6,074.44	5,809.19	5,877.28
11. Expected risk provisions for contingencies and lending	3,259.26	4,708.62	4,500.02	4,708.62	2,046.66	2,260.00	2,616.57	4,500.02
executed claims direct write-off	251.71	259.19	236.71	259.19	24.08	61.84	93.21	236.71
expected provisions against interbank claims	15.42	38.45	21.84	38.45	11.09	2.39	5.63	21.84
expected provisions against nonbanks claims	2,406.46	3,455.62	3,361.73	3,455.62	1,790.43	1,921.59	2,163.36	3,361.73
expected provisions for contingencies	276.51	342.80	337.68	342.80	106.25	113.14	136.36	337.68
Expected provisions for lending	113.73	291.90	335.06	291.90	76.61	128.83	173.33	335.06
Expenses for securities other than financial   fixed assets	89.58	131.46	143.43	131.46	11.32	3.53	5.28	143.43
Expected provisions against securites other than   financial fixed assets	105.85	189.21	63.58	189.21	26.88	28.69	39.40	63.58
12. Profit from dissolutions of provisions against claims/provisions for contingencies and lending	2,570.20	4,356.32	3,844.18	4,356.32	1,205.84	1,527.80	2,080.91	3,844.18
Realized income/charged-off claims	176.17	229.50	191.16	229.50	31.90	70.86	104.12	191.16
Expected profit from dissolutions of provisions against   claims/provisions for contingencies and lending	2,144.77	3,847.12	3,455.89	3,847.12	1,131.94	1,387.41	1,889.54	3,455.89
Realized income from securities other than financial   fixed assets	158.48	253.67	139.77	253.67	17.04	35.74	49.19	139.77
Expected income from dissolutions of provisions   against securities other than financial fixed assets	90.78	26.04	57.35	26.04	24.96	33.80	38.05	57.35
Profit or loss from allocation/dissolution of provisions against claims/provisions for contingencies and lending	689.06	352.30	655.84	352.30	840.82	732.21	535.67	655.84
13. Provisions against securities valued like financial fixed assets, participations and shares in affiliated companies	1,257.42	626.01	665.12	626.01	153.80	182.73	408.09	665.12
Realized losses from disposal of debt securities,   shares,participations, shares in affiliated   companies and other variable income securities	119.93	93.06	285.02	93.06	1.25	11.21	197.75	285.02
Expected provisions against debt securites,   shares, participations, shares in affiliated   companies and other variable-income securities	1,137.49	532.95	380.09	532.95	152.55	171.52	210.34	380.09
14. Income from provisions against securities valued like financial assets, participations and shares in affiliated companies	1,006.60	700.22	1,086.84	700.22	89.02	233.28	498.85	1,086.84
Realized income from disposal of debt securities,   shares, participations, shares in affiliated   companies and other variable-income securities	390.49	276.96	606.87	276.96	28.02	104.18	354.31	606.87
Expected income from writeback of provisions   for debt securities, shares, participations,   shares in affiliated companies and other   variable-income securities	616.11	423.25	479.97	423.25	61.00	129.10	144.54	479.97
Profit or loss from allocation/dissolution of provisions	250.82	−74.21	−421.72	−74.21	64.78	−50.55	−90.76	−421.72
V. Expected profit or loss on ordinary activities	5,835.86	6,143.31	5,643.16	6,143.31	5,390.44	5,392.78	5,364.28	5,643.16
15. (Expected) extraordinary profit	85.95	583.66	176.09	583.66	14.99	31.14	151.15	176.09
16. (Expected) extraordinary expenses	191.05	175.44	107.38	175.44	25.69	27.05	33.61	107.38
17. (Expected) extraordinary profit or loss	−105.09	408.21	68.71	408.21	−10.70	4.09	117.54	68.71
18. Expected tax on profit or loss	511.34	697.19	640.55	697.19	665.52	696.70	769.85	640.55
19. (Expected) other taxes	285.43	153.89	256.37	153.89	186.17	144.92	90.16	256.37
VI. Expected profit (+) / loss (-) for the year after tax	4,934.00	5,700.45	4,814.95	5,700.45	4,528.05	4,555.25	4,621.81	4,814.95
25. Average total assets of the current business year2	824,213.42	843,348.14	875,529.39	843,348.14	851,587.35	856,380.70	869,015.96	875,529.39
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).
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.
Real estate funds are a subsector of investment companies. Data available since November 2003.
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).
1  Based on the quarterly report. The profitability data of credit institutions operating in Austria are shown on an unconsolidated basis.
2  Average total assets, based on end-of-day balances, for the last completed financial year.
3  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 dyn. dimension: Investment companiesSeverance fundsReal estate fundsresident foreign branches of non-resident institutions under § 9 Austrian Banking Actjoint stock and private bankssavings banksstate mortgage banksraiffeisen credit cooperativesvolksbank credit cooperativesbuilding and loan associationsspecial purpose banksAll sectors

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last update on 27.02.2020 14:00

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