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End of period | 2019 | 2020 | 2021 | Q3 21 | Q4 21 | Q1 22 | Q2 22 | Q3 22 | |||
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EUR million | |||||||||||
All sectors | |||||||||||
Interest income: claims on credit institutions | 3,746.94 | 2,691.70 | 2,618.35 | 1,898.94 | 2,618.35 | 787.15 | 1,812.45 | 3,428.16 | |||
Interest income: claims on nonbanks | 9,956.96 | 9,597.26 | 9,412.06 | 7,055.54 | 9,412.06 | 2,406.50 | 4,972.81 | 7,848.65 | |||
Interest income: debt securities | 1,058.80 | 926.27 | 688.20 | 580.13 | 688.20 | 165.34 | 350.73 | 593.52 | |||
Interest income: remaining assets | 292.46 | 214.84 | 274.72 | 274.48 | 274.72 | 87.81 | 185.68 | 297.81 | |||
1. Interest and similar income | 15,055.16 | 13,430.07 | 12,993.33 | 9,809.08 | 12,993.33 | 3,446.81 | 7,321.67 | 12,168.14 | |||
Interest expense: liabilities to credit institutions | 2,788.59 | 1,615.96 | 1,289.82 | 986.42 | 1,289.82 | 518.49 | 1,215.18 | 2,501.79 | |||
Interest expense: liabilities to nonbanks | 1,173.00 | 950.63 | 708.51 | 555.59 | 708.51 | 169.81 | 372.01 | 704.88 | |||
interest expense: demand deposits | 357.07 | 334.39 | 276.22 | 213.19 | 276.22 | 78.86 | 177.85 | 362.20 | |||
interest expense: time deposits | 471.97 | 344.19 | 230.66 | 188.24 | 230.66 | 50.20 | 114.24 | 219.13 | |||
interest expense: savings deposits | 343.96 | 272.05 | 201.64 | 154.15 | 201.64 | 40.76 | 79.92 | 123.54 | |||
Interest expense: securitized liabilities | 2,085.47 | 1,781.43 | 1,435.92 | 1,123.33 | 1,435.92 | 351.55 | 731.62 | 1,197.49 | |||
interest expense: debt securities issued | 1,691.58 | 1,451.63 | 1,141.91 | 885.55 | 1,141.91 | 268.74 | 560.68 | 909.35 | |||
Interest expense: other securitized liabilities | 393.89 | 329.80 | 294.01 | 237.78 | 294.01 | 82.81 | 170.94 | 288.14 | |||
Interest expense: remaining liabilities | 396.06 | 421.58 | 551.14 | 473.20 | 551.14 | 150.77 | 314.87 | 527.19 | |||
2. Interest payable and similar charges | 6,443.12 | 4,769.59 | 3,985.40 | 3,138.54 | 3,985.40 | 1,190.62 | 2,633.68 | 4,931.34 | |||
I. Net interest income | 8,612.04 | 8,660.48 | 9,007.93 | 6,670.54 | 9,007.93 | 2,256.19 | 4,688.00 | 7,236.80 | |||
Income from shares, participations and variable-income
securities | 301.39 | 264.97 | 307.77 | 209.03 | 307.77 | 55.53 | 121.62 | 183.27 | |||
Income from participations | 372.97 | 168.92 | 470.97 | 330.47 | 470.97 | 33.53 | 204.36 | 270.25 | |||
Income from shares in affiliated companies | 2,322.57 | 1,788.79 | 2,387.96 | 1,299.91 | 2,387.96 | 356.63 | 2,188.75 | 2,258.72 | |||
3. Income from securities and
participations | 2,996.93 | 2,222.69 | 3,166.69 | 1,839.41 | 3,166.69 | 445.68 | 2,514.73 | 2,712.24 | |||
Fee-based income from credit operations | 949.65 | 917.63 | 1,024.77 | 747.23 | 1,024.77 | 275.48 | 545.41 | 790.70 | |||
Fee-based income from securities | 2,447.19 | 2,687.36 | 3,200.04 | 2,275.06 | 3,200.04 | 576.98 | 1,106.30 | 1,589.96 | |||
Fee-based income from payments | 2,214.63 | 2,150.03 | 2,264.12 | 1,683.30 | 2,264.12 | 597.96 | 1,205.32 | 1,842.73 | |||
Fee-based income from foreign exchange operations | 117.75 | 101.36 | 151.00 | 106.35 | 151.00 | 47.30 | 85.13 | 131.83 | |||
Fee-based income from service operations | 923.13 | 939.41 | 1,041.77 | 719.66 | 1,041.77 | 168.51 | 334.94 | 484.49 | |||
4. Fee-based income | 6,652.34 | 6,795.80 | 7,681.70 | 5,531.59 | 7,681.70 | 1,666.24 | 3,277.10 | 4,839.70 | |||
Fees payable for credit operations | 374.92 | 374.67 | 425.82 | 309.67 | 425.82 | 102.88 | 207.92 | 309.31 | |||
Fees payable for securities | 873.63 | 953.04 | 1,123.44 | 812.07 | 1,123.44 | 144.45 | 290.79 | 422.69 | |||
Fees payable for payments | 487.16 | 459.58 | 472.22 | 346.41 | 472.22 | 124.89 | 255.99 | 395.66 | |||
Fees payable for foreign exchange and precious
metals operations | 13.69 | 10.60 | 26.99 | 18.27 | 26.99 | 7.29 | 13.53 | 20.06 | |||
Fees payable for service operations | 259.82 | 265.17 | 308.85 | 200.43 | 308.85 | 26.08 | 54.36 | 80.92 | |||
5. Total fees payable | 2,009.22 | 2,063.06 | 2,357.32 | 1,686.86 | 2,357.32 | 405.59 | 822.58 | 1,228.64 | |||
Net commissions income | 4,643.12 | 4,732.74 | 5,324.37 | 3,844.73 | 5,324.37 | 1,260.65 | 2,454.52 | 3,611.06 | |||
Profit or loss from securities other than financial
fixed assets | −71.58 | 52.83 | −38.38 | −27.25 | −38.38 | 242.82 | −170.39 | −93.60 | |||
Profit of loss from foreign exchange and precious
metals operations | 327.80 | 376.64 | 337.94 | 249.63 | 337.94 | 100.59 | 184.89 | 326.87 | |||
Profit or loss from other financial operations | 21.79 | 28.45 | 34.73 | 22.17 | 34.73 | 45.88 | 164.40 | 35.57 | |||
6. Net profit or loss on financial operations | 278.00 | 457.92 | 334.29 | 244.55 | 334.29 | 389.28 | 178.89 | 268.84 | |||
Disposal of fixed assets | 67.19 | 94.90 | 83.70 | 64.10 | 83.70 | 17.06 | 37.19 | 59.37 | |||
Any other operating income | 3,127.52 | 3,152.42 | 3,274.34 | 2,495.77 | 3,274.34 | 1,090.17 | 2,204.12 | 3,096.00 | |||
7. Other operating income | 3,194.71 | 3,247.32 | 3,358.04 | 2,559.87 | 3,358.04 | 1,107.23 | 2,241.31 | 3,155.37 | |||
II. Total operating income | 19,724.81 | 19,321.14 | 21,191.34 | 15,159.11 | 21,191.34 | 5,459.02 | 12,077.44 | 16,984.31 | |||
Staff costs | 6,740.31 | 6,046.12 | 6,148.83 | 4,302.54 | 6,148.83 | 1,348.63 | 2,701.37 | 4,048.36 | |||
wage and salary payments | 4,497.63 | 4,330.50 | 4,673.62 | 3,232.44 | 4,673.62 | 1,042.88 | 2,104.13 | 3,142.30 | |||
expenses for legal levies and compulsory contributions | 1,053.86 | 1,048.32 | 1,066.56 | 802.50 | 1,066.56 | 254.63 | 523.90 | 773.48 | |||
other social expenses | 96.35 | 94.09 | 112.74 | 56.96 | 112.74 | 20.24 | 45.10 | 76.89 | |||
expenses for old age provision | 490.04 | 251.92 | 233.47 | 184.63 | 233.47 | 59.09 | 123.81 | 183.46 | |||
allocation of pension fund provisions | 316.77 | 154.43 | −69.23 | −56.24 | −69.23 | −45.64 | −104.30 | −146.58 | |||
allocation of termination benefit provisions | 285.65 | 166.86 | 131.68 | 82.26 | 131.68 | 17.45 | 8.72 | 18.80 | |||
Other administrative expenses | 4,835.79 | 4,715.74 | 4,869.80 | 3,550.00 | 4,869.80 | 1,283.56 | 2,394.98 | 3,516.35 | |||
8. General administrative expenses | 11,576.11 | 10,761.86 | 11,018.63 | 7,852.54 | 11,018.63 | 2,632.19 | 5,096.35 | 7,564.71 | |||
9. Depreciation and amortization | 1,001.18 | 1,036.33 | 1,207.64 | 867.25 | 1,207.64 | 303.84 | 603.22 | 905.82 | |||
Administrative expenses on disposal of fixed assets | 22.04 | 14.74 | 24.99 | 7.80 | 24.99 | 0.54 | 5.71 | 6.04 | |||
Current contributions to sectoral support facilities | 36.56 | 98.74 | 137.69 | 65.57 | 137.69 | 38.01 | 58.65 | 82.57 | |||
Repayments to sectoral support facilities | 0.00 | 0.09 | 0.01 | 0.00 | 0.01 | 0.05 | 0.00 | 0.35 | |||
Other administrative expenses | 1,556.04 | 1,725.28 | 1,854.27 | 1,265.30 | 1,854.27 | 534.26 | 994.47 | 1,339.54 | |||
10. Other operating expenses | 1,614.65 | 1,838.85 | 2,016.96 | 1,338.67 | 2,016.96 | 572.87 | 1,058.84 | 1,428.49 | |||
III. Operating expenses | 14,191.93 | 13,637.04 | 14,243.23 | 10,058.46 | 14,243.23 | 3,508.91 | 6,758.41 | 9,899.03 | |||
IV. Operating profit | 5,532.88 | 5,684.11 | 6,948.11 | 5,100.64 | 6,948.11 | 1,950.12 | 5,319.04 | 7,085.28 | |||
Quarterly update of projected values for the
business year | |||||||||||
Expected annual operating profit | 5,878.93 | 5,687.07 | 6,949.41 | 6,722.96 | 6,949.41 | 7,118.43 | 8,135.14 | 8,716.62 | |||
11. Expected risk provisions for
contingencies and lending | 4,504.41 | 6,581.58 | 5,822.32 | 4,246.48 | 5,822.32 | 3,096.56 | 4,714.61 | 6,382.90 | |||
executed claims direct write-off | 240.75 | 319.88 | 126.71 | 83.65 | 126.71 | 79.29 | 71.19 | 92.65 | |||
expected provisions against interbank claims | 21.84 | 67.41 | 75.81 | 30.51 | 75.81 | 34.03 | 43.02 | 66.07 | |||
expected provisions against nonbanks claims | 3,362.07 | 5,052.51 | 4,406.19 | 3,369.78 | 4,406.19 | 2,376.86 | 3,305.25 | 4,544.62 | |||
expected provisions for contingencies | 337.68 | 502.08 | 424.91 | 270.42 | 424.91 | 136.03 | 225.59 | 315.76 | |||
Expected provisions for lending | 335.06 | 472.13 | 625.64 | 422.82 | 625.64 | 203.21 | 342.50 | 507.75 | |||
Expenses for securities other than financial
fixed assets | 143.45 | 117.02 | 94.45 | 20.36 | 94.45 | 5.26 | 23.74 | 36.60 | |||
Expected provisions against securites other than
financial fixed assets | 63.58 | 50.54 | 68.60 | 48.93 | 68.60 | 261.87 | 703.32 | 819.44 | |||
12. Profit from dissolutions of provisions against
claims/provisions for contingencies and lending | 3,844.91 | 4,519.96 | 5,208.22 | 3,449.75 | 5,208.22 | 1,888.64 | 3,466.95 | 4,839.59 | |||
Realized income/charged-off claims | 191.57 | 242.52 | 196.42 | 131.59 | 196.42 | 68.38 | 105.01 | 127.29 | |||
Expected profit from dissolutions of provisions against
claims/provisions for contingencies and lending | 3,456.23 | 4,060.61 | 4,828.82 | 3,209.74 | 4,828.82 | 1,722.37 | 3,162.11 | 4,420.77 | |||
Realized income from securities other than financial
fixed assets | 139.76 | 173.33 | 155.49 | 89.83 | 155.49 | 26.49 | 47.30 | 54.11 | |||
Expected income from dissolutions of provisions
against securities other than financial fixed assets | 57.35 | 43.49 | 27.50 | 18.59 | 27.50 | 71.40 | 152.54 | 237.42 | |||
Profit or loss from allocation/dissolution
of provisions against claims/provisions for contingencies and lending | 659.50 | 2,061.62 | 614.10 | 796.73 | 614.10 | 1,207.92 | 1,247.66 | 1,543.31 | |||
13. Provisions against securities valued like
financial fixed assets, participations and shares in affiliated companies | 666.85 | 988.96 | 717.79 | 227.49 | 717.79 | 1,607.82 | 2,183.69 | 2,028.02 | |||
Realized losses from disposal of debt securities,
shares,participations, shares in affiliated companies and other variable income securities | 286.76 | 38.32 | 380.03 | 21.97 | 380.03 | 27.55 | 61.42 | 90.60 | |||
Expected provisions against debt securites,
shares, participations, shares in affiliated companies and other variable-income securities | 380.09 | 950.64 | 337.76 | 205.53 | 337.76 | 1,580.27 | 2,122.27 | 1,937.42 | |||
14. Income from provisions against securities
valued like financial assets, participations and shares in affiliated companies | 1,086.95 | 583.17 | 1,747.95 | 871.63 | 1,747.95 | 141.21 | 141.11 | 310.83 | |||
Realized income from disposal of debt securities,
shares, participations, shares in affiliated companies and other variable-income securities | 606.98 | 190.74 | 336.86 | 809.48 | 336.86 | 104.36 | 98.38 | 119.58 | |||
Expected income from writeback of provisions
for debt securities, shares, participations, shares in affiliated companies and other variable-income securities | 479.97 | 392.42 | 1,411.09 | 62.15 | 1,411.09 | 36.85 | 42.73 | 191.25 | |||
Profit or loss from allocation/dissolution
of provisions | −420.10 | 405.79 | −1,030.15 | −644.14 | −1,030.15 | 1,466.61 | 2,042.58 | 1,717.20 | |||
V. Expected profit or loss on ordinary activities | 5,639.53 | 3,219.65 | 7,365.47 | 6,570.37 | 7,365.47 | 4,443.90 | 4,844.90 | 5,456.12 | |||
15. (Expected) extraordinary profit | 176.09 | 194.51 | 246.87 | 205.60 | 246.87 | 44.78 | 168.15 | 163.39 | |||
16. (Expected) extraordinary expenses | 107.38 | 45.42 | 129.63 | 55.57 | 129.63 | 20.08 | 20.75 | 20.50 | |||
17. (Expected) extraordinary profit or loss | 68.71 | 149.09 | 117.24 | 150.04 | 117.24 | 24.70 | 147.40 | 142.90 | |||
18. Expected tax on profit or loss | 641.57 | 450.53 | 840.09 | 879.47 | 840.09 | 776.99 | 1,004.74 | 1,022.95 | |||
19. (Expected) other taxes | 256.43 | 255.30 | 115.66 | 142.09 | 115.66 | 148.07 | 150.71 | 160.99 | |||
VI. Expected profit (+) / loss (-) for the year after tax | 4,810.25 | 2,662.91 | 6,526.96 | 5,698.84 | 6,526.96 | 3,543.54 | 3,836.86 | 4,415.08 | |||
25. Average total assets of the current business year2 | 886,911.67 | 961,149.56 | 1,032,071.83 | 1,027,831.84 | 1,032,071.83 | 1,070,907.11 | 1,083,347.54 | 1,090,299.03 | |||
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). | |||||||||||
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last update on 25.11.2022 15:54 |
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