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Bank Profitability1 - Full Version

End of period	2016	2017	2018	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19
	EUR million
All sectors
Interest income: claims on credit institutions	3,116.73	2,356.12	3,735.89	1,784.16	2,554.36	3,735.89	997.21	1,910.05
Interest income: claims on nonbanks	9,983.97	9,473.67	9,639.70	4,783.99	7,151.15	9,639.70	2,458.48	4,923.00
Interest income: debt securities	1,845.27	1,421.11	1,230.17	603.11	922.93	1,230.17	291.40	571.75
Interest income: remaining assets	493.08	576.36	476.40	250.68	399.52	476.40	100.16	208.50
1. Interest and similar income	15,439.05	13,827.26	15,082.16	7,421.94	11,027.96	15,082.16	3,847.25	7,613.30
Interest expense: liabilities to credit institutions	1,823.74	1,260.69	2,428.41	1,173.23	1,627.24	2,428.41	738.73	1,407.74
Interest expense: liabilities to nonbanks	1,983.63	1,477.88	1,250.34	633.22	926.03	1,250.34	304.25	603.13
interest expense: demand deposits	383.34	317.84	336.02	170.71	250.19	336.02	90.04	173.94
interest expense: time deposits	922.07	635.75	493.08	250.05	361.52	493.08	122.74	252.95
interest expense: savings deposits	678.22	524.29	421.24	212.47	314.31	421.24	91.47	176.23
Interest expense: securitized liabilities	2,906.19	2,492.33	2,260.03	1,149.50	1,641.03	2,260.03	531.94	1,096.95
interest expense: debt securities issued	2,061.20	1,655.45	1,609.92	751.80	1,117.74	1,609.92	430.67	887.93
Interest expense: other securitized liabilities	844.98	836.88	650.11	397.70	523.30	650.11	101.27	209.01
Interest expense: remaining liabilities	203.49	386.98	549.17	187.58	379.86	549.17	121.18	224.31
2. Interest payable and similar charges	6,917.04	5,617.87	6,487.94	3,143.54	4,574.15	6,487.94	1,696.10	3,332.13
I. Net interest income	8,522.01	8,209.38	8,594.22	4,278.41	6,453.81	8,594.22	2,151.16	4,281.17
Income from shares, participations and variable-income securities	284.23	310.44	348.18	141.28	207.36	348.18	57.46	139.93
Income from participations	254.09	275.79	332.89	204.30	262.30	332.89	59.10	207.14
Income from shares in affiliated companies	3,069.96	3,209.97	2,556.38	1,791.28	1,967.79	2,556.38	494.00	1,594.06
3. Income from securities and participations	3,608.27	3,796.19	3,237.44	2,136.87	2,437.44	3,237.44	610.56	1,941.13
Fee-based income from credit operations	772.06	834.01	933.01	449.77	678.11	933.01	225.01	458.00
Fee-based income from securities	2,381.65	2,558.49	2,443.73	1,246.51	1,810.35	2,443.73	577.37	1,145.85
Fee-based income from payments	1,856.69	2,022.85	2,123.21	1,057.79	1,585.08	2,123.21	550.72	1,090.56
Fee-based income from foreign exchange operations	148.06	120.58	123.52	58.59	90.72	123.52	28.86	60.75
Fee-based income from service operations	1,085.38	1,020.24	932.31	522.66	735.83	932.31	227.26	438.84
4. Fee-based income	6,243.84	6,556.16	6,555.78	3,335.32	4,900.09	6,555.78	1,609.20	3,194.00
Fees payable for credit operations	537.99	351.15	363.26	171.74	266.12	363.26	96.70	179.97
Fees payable for securities	915.31	959.16	873.98	471.97	673.23	873.98	203.88	419.31
Fees payable for payments	399.55	432.86	470.17	228.93	349.61	470.17	116.68	233.74
Fees payable for foreign exchange and precious metals operations	12.49	13.66	14.59	6.74	9.98	14.59	3.25	6.31
Fees payable for service operations	491.44	390.93	275.77	169.81	258.20	275.77	59.67	111.04
5. Total fees payable	2,356.78	2,147.76	1,997.77	1,049.19	1,557.14	1,997.77	480.18	950.37
Net commissions income	3,887.06	4,408.41	4,558.01	2,286.13	3,342.95	4,558.01	1,129.02	2,243.63
Profit or loss from securities other than financial fixed assets	−31.83	65.95	169.82	33.53	47.79	169.82	−98.22	−63.25
Profit of loss from foreign exchange and precious metals operations	172.31	85.27	350.58	174.96	234.38	350.58	96.34	187.54
Profit or loss from other financial operations	181.63	184.11	−232.39	−72.54	−78.01	−232.39	5.14	−46.32
6. Net profit or loss on financial operations	322.11	335.33	288.01	135.95	204.16	288.01	3.26	77.97
Disposal of fixed assets	70.19	90.10	66.23	24.81	41.80	66.23	13.01	29.11
Any other operating income	2,574.27	2,680.45	2,644.79	1,300.87	1,910.28	2,644.79	742.00	1,407.41
7. Other operating income	2,644.46	2,770.55	2,711.02	1,325.69	1,952.08	2,711.02	755.01	1,436.52
II. Total operating income	18,983.90	19,519.86	19,388.70	10,163.04	14,390.44	19,388.70	4,649.00	9,980.41
Staff costs	6,751.63	6,040.54	6,380.88	2,981.23	4,549.63	6,380.88	1,686.74	3,308.16
wage and salary payments	4,539.10	4,263.10	4,318.02	2,107.65	3,127.00	4,318.02	1,061.85	2,161.21
expenses for legal levies and compulsory contributions	1,070.96	1,055.61	1,032.39	523.71	771.34	1,032.39	256.86	529.14
other social expenses	100.39	104.90	114.36	50.38	70.01	114.36	24.27	46.31
expenses for old age provision	445.41	434.44	420.62	214.53	318.21	420.62	103.74	220.30
allocation of pension fund provisions	287.68	−5.37	298.59	16.31	157.24	298.59	184.98	222.03
allocation of termination benefit provisions	308.09	187.86	196.90	68.64	105.83	196.90	55.04	129.18
Other administrative expenses	4,682.87	4,647.35	4,795.73	2,292.24	3,415.19	4,795.73	1,197.01	2,338.84
8. General administrative expenses	11,434.49	10,687.89	11,176.61	5,273.46	7,964.82	11,176.61	2,883.75	5,647.00
9. Depreciation and amortization	950.81	898.88	924.41	440.91	667.69	924.41	236.05	477.69
Administrative expenses on disposal of fixed assets	12.30	20.41	12.35	4.04	6.80	12.35	0.97	2.68
Current contributions to sectoral support facilities	34.39	30.44	38.02	16.04	23.99	38.02	8.50	18.57
Repayments to sectoral support facilities	0.15	3.37	0.00	0.33	0.40	0.00	0.03	0.02
Other administrative expenses	1,120.24	1,238.41	1,125.39	625.57	829.62	1,125.39	410.47	703.05
10. Other operating expenses	1,167.08	1,292.63	1,175.75	645.97	860.81	1,175.75	419.97	724.32
III. Operating expenses	13,552.38	12,879.40	13,276.77	6,360.35	9,493.32	13,276.77	3,539.77	6,849.01
IV. Operating profit	5,431.52	6,640.46	6,111.93	3,802.68	4,897.13	6,111.93	1,109.23	3,131.40
Quarterly update of projected values for the business year
Expected annual operating profit	5,421.47	6,775.74	6,421.41	6,051.81	6,072.49	6,421.41	6,296.05	6,074.44
11. Expected risk provisions for contingencies and lending	4,107.65	3,259.26	4,708.62	2,731.74	3,287.29	4,708.62	2,046.66	2,260.00
executed claims direct write-off	249.21	251.71	259.19	76.95	99.48	259.19	24.08	61.84
expected provisions against interbank claims	32.22	15.42	38.45	46.11	27.83	38.45	11.09	2.39
expected provisions against nonbanks claims	3,128.96	2,406.46	3,455.62	2,226.47	2,653.18	3,455.62	1,790.43	1,921.59
expected provisions for contingencies	245.89	276.51	342.80	169.65	235.69	342.80	106.25	113.14
Expected provisions for lending	147.50	113.73	291.90	112.97	150.18	291.90	76.61	128.83
Expenses for securities other than financial   fixed assets	211.91	89.58	131.46	38.26	55.53	131.46	11.32	3.53
Expected provisions against securites other than   financial fixed assets	91.97	105.85	189.21	61.33	65.40	189.21	26.88	28.69
12. Profit from dissolutions of provisions against claims/provisions for contingencies and lending	3,615.16	2,570.20	4,356.32	1,768.42	2,591.42	4,356.32	1,205.84	1,527.80
Realized income/charged-off claims	251.84	176.17	229.50	84.02	120.33	229.50	31.90	70.86
Expected profit from dissolutions of provisions against   claims/provisions for contingencies and lending	2,921.09	2,144.77	3,847.12	1,593.57	2,357.53	3,847.12	1,131.94	1,387.41
Realized income from securities other than financial   fixed assets	299.23	158.48	253.67	71.47	83.02	253.67	17.04	35.74
Expected income from dissolutions of provisions   against securities other than financial fixed assets	143.00	90.78	26.04	19.36	30.54	26.04	24.96	33.80
Profit or loss from allocation/dissolution of provisions against claims/provisions for contingencies and lending	492.49	689.06	352.30	963.32	695.86	352.30	840.82	732.21
13. Provisions against securities valued like financial fixed assets, participations and shares in affiliated companies	1,417.80	1,257.42	626.01	319.48	375.46	626.01	153.80	182.73
Realized losses from disposal of debt securities,   shares,participations, shares in affiliated   companies and other variable income securities	131.18	119.93	93.06	39.26	49.49	93.06	1.25	11.21
Expected provisions against debt securites,   shares, participations, shares in affiliated   companies and other variable-income securities	1,286.62	1,137.49	532.95	280.22	325.97	532.95	152.55	171.52
14. Income from provisions against securities valued like financial assets, participations and shares in affiliated companies	1,803.49	1,006.60	700.22	186.03	731.97	700.22	89.02	233.28
Realized income from disposal of debt securities,   shares, participations, shares in affiliated   companies and other variable-income securities	544.48	390.49	276.96	105.54	147.81	276.96	28.02	104.18
Expected income from writeback of provisions   for debt securities, shares, participations,   shares in affiliated companies and other   variable-income securities	1,259.01	616.11	423.25	80.49	584.16	423.25	61.00	129.10
Profit or loss from allocation/dissolution of provisions	−385.70	250.82	−74.21	133.45	−356.50	−74.21	64.78	−50.55
V. Expected profit or loss on ordinary activities	5,314.68	5,835.86	6,143.31	4,955.03	5,733.13	6,143.31	5,390.44	5,392.78
15. (Expected) extraordinary profit	35.50	85.95	583.66	17.62	41.22	583.66	14.99	31.14
16. (Expected) extraordinary expenses	278.09	191.05	175.44	23.54	25.86	175.44	25.69	27.05
17. (Expected) extraordinary profit or loss	−242.59	−105.09	408.21	−5.91	15.35	408.21	−10.70	4.09
18. Expected tax on profit or loss	−384.27	511.34	697.19	671.56	635.83	697.19	665.52	696.70
19. (Expected) other taxes	1,026.24	285.43	153.89	76.04	128.48	153.89	186.17	144.92
VI. Expected profit (+) / loss (-) for the year after tax	4,430.12	4,934.00	5,700.45	4,201.52	4,984.17	5,700.45	4,528.05	4,555.25
25. Average total assets of the current business year2	840,751.13	824,213.42	843,348.14	829,780.30	833,044.84	843,348.14	851,376.41	855,738.85
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 fundsBranch offices within the meaning of § 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 27.08.2019 13:05

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