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Bank Profitability1 - Full Version4

End of period	2019	2020	2021	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22
	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).
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).
4  Since reporting date March 2022 severance funds, investment companies and real estate funds have not been required to report the underlying data of this table.

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 25.11.2022 15:54

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