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Bank Profitability1 - Full Version

End of period	2018	2019	2020	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21
	EUR million
All sectors
Interest income: claims on credit institutions	3,735.89	3,755.76	2,698.36	823.58	1,495.08	2,106.42	2,698.36	620.79
Interest income: claims on nonbanks	9,639.70	9,958.97	9,597.38	2,438.96	4,851.29	7,240.18	9,597.38	2,321.30
Interest income: debt securities	1,230.17	1,058.82	926.27	259.86	519.29	751.43	926.27	209.22
Interest income: remaining assets	476.40	292.46	214.84	83.70	165.71	237.80	214.84	98.56
1. Interest and similar income	15,082.16	15,066.01	13,436.84	3,606.11	7,031.37	10,335.83	13,436.84	3,249.86
Interest expense: liabilities to credit institutions	2,428.41	2,801.22	1,666.29	570.53	1,014.78	1,391.47	1,666.29	357.38
Interest expense: liabilities to nonbanks	1,250.34	1,173.00	950.63	275.88	521.07	740.23	950.63	194.69
interest expense: demand deposits	336.02	357.07	334.39	94.66	179.41	256.98	334.39	72.10
interest expense: time deposits	493.08	471.97	344.19	108.01	202.15	282.99	344.19	68.67
interest expense: savings deposits	421.24	343.96	272.05	73.22	139.52	200.25	272.05	53.93
Interest expense: securitized liabilities	2,260.03	2,085.47	1,781.43	478.97	947.25	1,403.12	1,781.43	381.33
interest expense: debt securities issued	1,609.92	1,691.58	1,451.63	384.92	769.23	1,140.62	1,451.63	312.79
Interest expense: other securitized liabilities	650.11	393.89	329.80	94.05	178.02	262.50	329.80	68.54
Interest expense: remaining liabilities	549.17	396.06	421.58	110.93	223.24	338.09	421.58	167.23
2. Interest payable and similar charges	6,487.94	6,455.76	4,819.92	1,436.30	2,706.34	3,872.90	4,819.92	1,100.62
I. Net interest income	8,594.22	8,610.26	8,616.92	2,169.80	4,325.03	6,462.93	8,616.92	2,149.23
Income from shares, participations and variable-income securities	348.18	301.31	264.97	62.31	132.14	196.98	264.97	60.17
Income from participations	332.89	372.97	168.92	23.91	68.50	125.84	168.92	48.82
Income from shares in affiliated companies	2,556.38	2,322.57	1,788.79	508.06	896.22	1,405.47	1,788.79	297.92
3. Income from securities and participations	3,237.44	2,996.85	2,222.69	594.28	1,096.86	1,728.29	2,222.69	406.90
Fee-based income from credit operations	933.01	949.65	917.53	235.94	450.76	685.29	917.53	235.18
Fee-based income from securities	2,443.73	2,447.05	2,687.16	699.07	1,286.34	1,921.12	2,687.16	777.63
Fee-based income from payments	2,123.21	2,214.63	2,150.07	568.69	1,067.67	1,605.21	2,150.07	552.31
Fee-based income from foreign exchange operations	123.52	117.75	101.36	28.70	52.28	75.12	101.36	31.26
Fee-based income from service operations	932.31	923.29	939.42	246.32	457.20	680.71	939.42	245.47
4. Fee-based income	6,555.78	6,652.37	6,795.53	1,778.73	3,314.25	4,967.45	6,795.53	1,841.85
Fees payable for credit operations	363.26	374.65	375.21	95.73	183.86	276.17	375.21	97.46
Fees payable for securities	873.98	873.43	952.95	237.67	456.85	690.32	952.95	268.14
Fees payable for payments	470.17	487.16	459.62	124.23	223.64	338.45	459.62	111.89
Fees payable for foreign exchange and precious metals operations	14.59	13.69	10.60	3.06	5.36	7.88	10.60	5.61
Fees payable for service operations	275.77	259.82	265.17	66.55	129.66	197.68	265.17	65.90
5. Total fees payable	1,997.77	2,008.76	2,063.55	527.25	999.37	1,510.50	2,063.55	549.00
Net commissions income	4,558.01	4,643.61	4,731.98	1,251.48	2,314.88	3,456.95	4,731.98	1,292.86
Profit or loss from securities other than financial fixed assets	169.82	−71.58	52.83	90.81	−18.19	166.32	52.83	6.45
Profit of loss from foreign exchange and precious metals operations	350.58	329.78	374.05	101.75	267.42	267.83	374.05	102.92
Profit or loss from other financial operations	−232.39	21.79	70.91	−102.16	−35.64	−19.34	70.91	16.66
6. Net profit or loss on financial operations	288.01	279.99	497.79	90.40	213.60	414.81	497.79	126.03
Disposal of fixed assets	66.23	67.19	100.31	16.86	34.14	45.25	100.31	37.41
Any other operating income	2,644.79	3,127.39	3,146.97	986.43	1,444.59	2,066.10	3,146.97	946.38
7. Other operating income	2,711.02	3,194.57	3,247.28	1,003.29	1,478.73	2,111.35	3,247.28	983.79
II. Total operating income	19,388.70	19,725.27	19,316.66	5,109.24	9,429.10	14,174.34	19,316.66	4,958.81
Staff costs	6,380.88	6,740.42	6,046.58	1,432.76	2,973.74	4,440.19	6,046.58	1,403.13
wage and salary payments	4,318.02	4,497.85	4,330.11	1,062.40	2,142.72	3,197.54	4,330.11	1,065.01
expenses for legal levies and compulsory contributions	1,032.39	1,053.85	1,048.70	262.06	534.55	793.62	1,048.70	268.24
other social expenses	114.36	96.35	94.14	23.80	41.63	62.23	94.14	21.59
expenses for old age provision	420.62	490.17	252.05	101.98	204.93	197.05	252.05	59.11
allocation of pension fund provisions	298.59	316.64	154.29	−33.54	−14.39	84.14	154.29	−28.92
allocation of termination benefit provisions	196.90	285.54	167.27	16.06	64.30	105.61	167.27	18.11
Other administrative expenses	4,795.73	4,835.67	4,715.48	1,212.95	2,316.55	3,446.02	4,715.48	1,281.17
8. General administrative expenses	11,176.61	11,576.08	10,762.06	2,645.71	5,290.29	7,886.20	10,762.06	2,684.30
9. Depreciation and amortization	924.41	998.77	1,036.33	251.70	508.08	764.25	1,036.33	256.17
Administrative expenses on disposal of fixed assets	12.35	22.04	14.74	1.61	2.48	4.09	14.74	7.33
Current contributions to sectoral support facilities	38.02	36.56	98.74	8.46	21.17	50.24	98.74	17.23
Repayments to sectoral support facilities	0.00	0.00	0.09	0.00	0.09	0.05	0.09	0.00
Other administrative expenses	1,125.39	1,556.06	1,723.15	421.56	818.29	1,098.14	1,723.15	503.49
10. Other operating expenses	1,175.75	1,614.67	1,836.72	431.64	842.03	1,152.52	1,836.72	528.05
III. Operating expenses	13,276.77	14,189.53	13,635.10	3,329.05	6,640.40	9,802.97	13,635.10	3,468.52
IV. Operating profit	6,111.93	5,535.75	5,681.55	1,780.19	2,788.70	4,371.37	5,681.55	1,490.29
Quarterly update of projected values for the business year
Expected annual operating profit	6,421.41	5,877.28	5,687.10	5,533.59	5,654.03	5,941.57	5,687.10	5,985.73
11. Expected risk provisions for contingencies and lending	4,708.62	4,500.02	6,579.04	2,521.55	4,087.72	4,935.19	6,579.04	3,204.43
executed claims direct write-off	259.19	236.71	319.88	21.84	47.16	80.73	319.88	40.76
expected provisions against interbank claims	38.45	21.84	67.41	15.54	37.34	50.60	67.41	30.51
expected provisions against nonbanks claims	3,455.62	3,361.73	5,050.91	2,130.37	3,363.97	4,069.25	5,050.91	2,766.17
expected provisions for contingencies	342.80	337.68	502.08	129.08	314.89	328.77	502.08	168.60
Expected provisions for lending	291.90	335.06	471.20	98.17	192.58	283.76	471.20	151.62
Expenses for securities other than financial   fixed assets	131.46	143.43	117.03	5.99	31.53	51.69	117.03	9.50
Expected provisions against securites other than   financial fixed assets	189.21	63.58	50.52	120.57	100.25	70.39	50.52	37.27
12. Profit from dissolutions of provisions against claims/provisions for contingencies and lending	4,356.32	3,844.18	4,517.86	1,051.84	2,250.22	2,906.42	4,517.86	1,557.90
Realized income/charged-off claims	229.50	191.16	242.52	32.82	52.36	75.28	242.52	60.94
Expected profit from dissolutions of provisions against   claims/provisions for contingencies and lending	3,847.12	3,455.89	4,058.52	970.66	2,057.42	2,660.64	4,058.52	1,411.68
Realized income from securities other than financial   fixed assets	253.67	139.77	173.33	19.41	96.06	136.43	173.33	62.77
Expected income from dissolutions of provisions   against securities other than financial fixed assets	26.04	57.35	43.49	28.96	44.38	34.08	43.49	22.52
Profit or loss from allocation/dissolution of provisions against claims/provisions for contingencies and lending	352.30	655.84	2,061.18	1,469.71	1,837.50	2,028.77	2,061.18	1,646.52
13. Provisions against securities valued like financial fixed assets, participations and shares in affiliated companies	626.01	665.12	988.96	421.52	931.99	985.50	988.96	175.30
Realized losses from disposal of debt securities,   shares,participations, shares in affiliated   companies and other variable income securities	93.06	285.02	38.32	14.30	20.64	21.14	38.32	17.68
Expected provisions against debt securites,   shares, participations, shares in affiliated   companies and other variable-income securities	532.95	380.09	950.64	407.22	911.36	964.36	950.64	157.62
14. Income from provisions against securities valued like financial assets, participations and shares in affiliated companies	700.22	1,086.84	583.17	100.80	355.88	187.47	583.17	217.72
Realized income from disposal of debt securities,   shares, participations, shares in affiliated   companies and other variable-income securities	276.96	606.87	190.74	38.63	65.22	91.70	190.74	154.70
Expected income from writeback of provisions   for debt securities, shares, participations,   shares in affiliated companies and other   variable-income securities	423.25	479.97	392.42	62.17	290.66	95.77	392.42	63.02
Profit or loss from allocation/dissolution of provisions	−74.21	−421.72	405.79	320.72	576.12	798.03	405.79	−42.42
V. Expected profit or loss on ordinary activities	6,143.31	5,643.16	3,220.13	3,743.16	3,240.42	3,114.77	3,220.13	4,381.63
15. (Expected) extraordinary profit	583.66	176.09	194.51	24.45	43.35	71.13	194.51	65.63
16. (Expected) extraordinary expenses	175.44	107.38	45.42	19.23	20.86	16.70	45.42	23.84
17. (Expected) extraordinary profit or loss	408.21	68.71	149.09	5.23	22.50	54.43	149.09	41.79
18. Expected tax on profit or loss	697.19	640.55	450.43	631.70	555.05	518.89	450.43	635.73
19. (Expected) other taxes	153.89	256.37	255.30	178.98	178.52	185.73	255.30	136.89
VI. Expected profit (+) / loss (-) for the year after tax	5,700.45	4,814.95	2,663.49	2,937.71	2,529.35	2,464.58	2,663.49	3,650.79
25. Average total assets of the current business year2	843,348.14	875,529.39	948,382.85	902,427.15	917,802.16	930,909.91	948,382.85	982,755.74
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 27.05.2021 14:29

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