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Bank Profitability on Regional Basis145

End of period	2019	2020	2021	Q4 21	Q1 22	Q2 22	Q3 22
	EUR million
Vienna
Interest receivable and similar income	8,926.06	7,537.83	7,393.36	7,393.36	2,046.90	4,437.51	7,540.09
Interest payable and similar charges	5,235.28	3,854.06	3,466.95	3,466.95	1,077.98	2,404.13	4,395.70
Net interest income	3,690.78	3,683.77	3,926.41	3,926.41	968.92	2,033.38	3,144.39
Income from securities and participations	2,332.78	1,835.59	2,511.49	2,511.49	334.98	2,222.90	2,269.41
Net commissions income	2,276.13	2,252.92	2,600.66	2,600.66	573.45	1,110.67	1,625.05
Net profit or loss on financial operations	216.04	392.57	252.65	252.65	378.02	157.30	233.27
Other operating income	1,589.22	1,537.50	1,758.89	1,758.89	726.00	1,444.45	1,960.14
Operating income	10,104.94	9,702.35	11,050.10	11,050.10	2,981.37	6,968.71	9,232.27
Staff costs	3,472.15	2,862.07	3,000.11	3,000.11	610.51	1,196.00	1,774.07
Other administrative expenses	2,680.69	2,600.54	2,706.58	2,706.58	674.98	1,284.60	1,864.82
Depreciation and amortization	172.36	156.64	311.85	311.85	77.30	147.41	222.74
Other operating expenses	1,002.16	1,157.23	1,332.62	1,332.62	401.21	746.23	1,000.49
Operating expenses	7,327.36	6,776.47	7,351.16	7,351.16	1,764.00	3,374.23	4,862.12
Operating profit	2,777.59	2,925.88	3,698.93	3,698.93	1,217.37	3,594.48	4,370.15
Expected annual operating profit	3,129.67	2,922.87	3,687.08	3,687.08	4,295.02	4,983.09	5,126.07
Expected risk provisions for lending2	452.23	1,219.09	417.78	417.78	707.59	816.95	1,041.34
Expected risk provisions for securities and participations2	−258.87	374.45	−865.48	−865.48	1,255.10	1,537.38	1,197.84
Expected profit or loss on ordinary activities	2,936.31	1,329.34	4,134.79	4,134.79	2,332.34	2,628.76	2,886.89
Expected extraordinary income/loss	75.57	157.18	122.27	122.27	37.53	161.23	110.35
Expected tax on profit or loss and other taxes	293.26	271.79	241.53	241.53	391.79	566.65	504.37
Expected profit or loss for the year after tax	2,718.62	1,214.72	4,015.53	4,015.53	1,978.08	2,223.34	2,492.86
Average total assets3	497,670.31	544,574.66	587,632.25	587,632.25	610,356.92	619,213.51	623,254.95
Lower Austria
Interest receivable and similar income	933.22	931.38	900.51	900.51	227.76	468.17	758.42
Interest payable and similar charges	76.90	51.68	12.74	12.74	1.66	3.28	17.88
Net interest income	856.32	879.70	887.77	887.77	226.09	464.89	740.54
Income from securities and participations	58.54	24.35	86.28	86.28	4.07	9.77	15.00
Net commissions income	293.06	314.11	348.55	348.55	91.53	181.29	269.52
Net profit or loss on financial operations	5.14	4.74	4.72	4.72	1.50	2.75	4.74
Other operating income	53.64	45.25	47.94	47.94	8.26	18.72	28.93
Operating income	1,266.70	1,268.13	1,375.27	1,375.27	331.46	677.41	1,058.73
Staff costs	478.32	457.30	455.22	455.22	110.90	231.27	340.40
Other administrative expenses	314.77	311.54	321.52	321.52	97.00	168.80	242.80
Depreciation and amortization	30.61	30.97	28.90	28.90	7.19	14.61	22.05
Other operating expenses	29.42	45.48	59.92	59.92	16.59	23.50	30.10
Operating expenses	853.12	845.29	865.55	865.55	231.68	438.19	635.36
Operating profit	413.58	422.84	509.72	509.72	99.78	239.22	423.37
Expected annual operating profit	414.27	425.35	513.06	513.06	396.88	460.22	542.95
Expected risk provisions for lending2	70.82	109.05	11.56	11.56	83.21	65.86	67.11
Expected risk provisions for securities and participations2	−25.69	4.23	−1.56	−1.56	−49.53	−29.51	50.18
Expected profit or loss on ordinary activities	369.14	312.07	503.06	503.06	363.21	423.87	425.66
Expected extraordinary income/loss	44.15	−23.64	−49.62	−49.62	−13.16	−13.03	32.40
Expected tax on profit or loss and other taxes	117.38	79.80	124.35	124.35	92.43	107.61	110.00
Expected profit or loss for the year after tax	295.91	208.64	329.09	329.09	257.62	303.24	348.06
Average total assets3	53,587.30	58,196.11	62,437.15	62,437.15	65,185.06	66,127.91	66,645.22
Burgenland
Interest receivable and similar income	179.85	158.03	156.84	156.84	39.75	84.02	137.32
Interest payable and similar charges	27.65	14.70	7.66	7.66	2.34	4.00	12.71
Net interest income	152.20	143.33	149.17	149.17	37.41	80.02	124.61
Income from securities and participations	24.35	12.98	24.31	24.31	1.69	2.44	6.81
Net commissions income	65.67	60.69	70.61	70.61	18.41	36.21	54.05
Net profit or loss on financial operations	0.00	7.05	9.00	9.00	1.38	2.35	2.37
Other operating income	12.62	14.69	19.33	19.33	4.23	8.16	12.28
Operating income	254.84	238.74	272.42	272.42	63.13	129.18	200.12
Staff costs	96.53	87.81	88.79	88.79	23.72	46.84	70.25
Other administrative expenses	58.58	53.19	60.64	60.64	15.85	32.30	48.90
Depreciation and amortization	4.75	4.64	4.94	4.94	1.40	2.86	4.22
Other operating expenses	7.70	11.18	13.07	13.07	4.76	10.23	13.58
Operating expenses	167.56	156.82	167.44	167.44	45.74	92.23	136.95
Operating profit	87.28	81.92	104.98	104.98	17.39	36.95	63.17
Expected annual operating profit	87.28	81.92	104.98	104.98	62.62	71.30	91.98
Expected risk provisions for lending2	1.26	−4.90	31.93	31.93	−53.82	−50.45	−41.10
Expected risk provisions for securities and participations2	−2.12	14.57	−15.33	−15.33	55.05	57.83	53.65
Expected profit or loss on ordinary activities	88.15	72.25	88.38	88.38	61.38	63.92	79.43
Expected extraordinary income/loss	0.00	0.95	0.00	0.00	0.00	0.00	0.00
Expected tax on profit or loss and other taxes	21.22	23.22	19.84	19.84	32.97	33.77	33.01
Expected profit or loss for the year after tax	66.93	49.98	68.54	68.54	28.42	30.15	46.42
Average total assets3	12,296.13	12,587.06	13,708.43	13,708.43	13,999.45	14,151.18	14,226.52
Upper Austria
Interest receivable and similar income	1,795.29	1,709.55	1,656.20	1,656.20	424.14	871.27	1,390.58
Interest payable and similar charges	529.65	407.40	286.24	286.24	69.47	143.17	292.41
Net interest income	1,265.65	1,302.15	1,369.96	1,369.96	354.67	728.11	1,098.17
Income from securities and participations	304.67	225.63	268.94	268.94	67.29	151.90	210.36
Net commissions income	685.70	725.89	843.60	843.60	206.48	391.26	569.73
Net profit or loss on financial operations	21.55	13.12	30.76	30.76	3.91	2.32	5.62
Other operating income	132.05	142.79	160.04	160.04	39.57	94.80	128.68
Operating income	2,409.62	2,409.56	2,673.30	2,673.30	671.91	1,368.38	2,012.56
Staff costs	830.81	825.16	859.04	859.04	192.10	418.73	628.50
Other administrative expenses	549.45	534.00	583.24	583.24	156.39	274.49	438.93
Depreciation and amortization	50.20	62.19	60.97	60.97	15.27	30.73	44.17
Other operating expenses	133.28	144.03	177.49	177.49	38.69	91.34	102.53
Operating expenses	1,563.74	1,565.38	1,680.74	1,680.74	402.44	815.28	1,214.13
Operating profit	845.88	844.18	992.56	992.56	269.47	553.10	798.43
Expected annual operating profit	844.74	842.66	997.63	997.63	960.17	1,028.00	1,116.55
Expected risk provisions for lending2	90.82	230.71	56.55	56.55	209.69	195.19	185.73
Expected risk provisions for securities and participations2	−64.43	3.16	−54.71	−54.71	100.20	232.15	155.39
Expected profit or loss on ordinary activities	818.35	608.79	995.79	995.79	650.29	600.66	775.42
Expected extraordinary income/loss	−12.34	−2.90	−14.73	−14.73	−0.30	−0.90	−0.55
Expected tax on profit or loss and other taxes	185.39	129.63	237.12	237.12	155.58	146.57	224.23
Expected profit or loss for the year after tax	620.62	476.27	743.94	743.94	494.40	453.19	550.65
Average total assets3	111,998.41	120,345.86	134,112.32	134,112.32	138,195.02	139,104.61	140,092.27
Salzburg
Interest receivable and similar income	635.21	609.32	521.87	521.87	127.41	259.62	409.80
Interest payable and similar charges	132.72	109.32	36.00	36.00	6.48	13.00	32.55
Net interest income	502.49	500.00	485.87	485.87	120.94	246.62	377.25
Income from securities and participations	57.80	39.51	45.55	45.55	11.58	35.64	40.68
Net commissions income	281.59	298.90	307.81	307.81	77.44	151.85	223.00
Net profit or loss on financial operations	4.75	5.00	4.88	4.88	−4.28	−4.75	−5.17
Other operating income	1,136.59	1,187.76	1,130.45	1,130.45	286.16	578.46	872.44
Operating income	1,983.21	2,031.18	1,974.55	1,974.55	491.84	1,007.82	1,508.20
Staff costs	437.97	423.76	401.06	401.06	92.74	188.17	280.67
Other administrative expenses	304.28	308.38	293.70	293.70	80.43	158.19	224.97
Depreciation and amortization	647.41	681.40	699.90	699.90	178.80	358.87	539.77
Other operating expenses	310.75	317.56	243.64	243.64	62.03	101.51	164.96
Operating expenses	1,700.41	1,731.10	1,638.30	1,638.30	413.99	806.73	1,210.36
Operating profit	282.81	300.08	336.25	336.25	77.85	201.08	297.84
Expected annual operating profit	279.28	308.73	332.55	332.55	286.51	332.03	329.61
Expected risk provisions for lending2	10.50	112.53	22.49	22.49	51.63	62.75	28.00
Expected risk provisions for securities and participations2	8.20	5.55	13.03	13.03	8.24	28.56	34.00
Expected profit or loss on ordinary activities	260.57	190.66	297.03	297.03	226.63	240.72	267.62
Expected extraordinary income/loss	−0.60	1.45	−0.30	−0.30	0.00	−0.05	−0.10
Expected tax on profit or loss and other taxes	52.62	51.49	71.72	71.72	58.36	63.94	71.38
Expected profit or loss for the year after tax	207.36	140.62	225.02	225.02	168.27	176.73	196.14
Average total assets3	42,641.94	44,822.55	43,943.13	43,943.13	46,131.71	46,597.76	46,802.30
Tyrol
Interest receivable and similar income	847.07	789.58	761.58	761.58	190.22	391.01	625.71
Interest payable and similar charges	196.59	149.32	81.53	81.53	21.21	47.06	99.63
Net interest income	650.48	640.26	680.06	680.06	169.01	343.95	526.08
Income from securities and participations	46.80	26.46	51.98	51.98	6.44	23.03	29.42
Net commissions income	309.27	318.23	347.36	347.36	94.88	186.10	275.71
Net profit or loss on financial operations	7.52	7.62	9.16	9.16	3.74	5.91	8.35
Other operating income	65.24	78.29	65.34	65.34	13.06	27.32	44.84
Operating income	1,079.31	1,070.86	1,153.90	1,153.90	287.12	586.32	884.40
Staff costs	438.13	418.25	412.72	412.72	100.42	182.90	293.51
Other administrative expenses	267.23	261.62	273.11	273.11	76.43	146.01	213.86
Depreciation and amortization	33.84	34.64	35.60	35.60	8.34	16.86	25.37
Other operating expenses	53.65	61.94	64.61	64.61	17.56	28.44	37.72
Operating expenses	792.85	776.45	786.05	786.05	202.75	374.21	570.47
Operating profit	286.47	294.41	367.86	367.86	84.37	212.11	313.93
Expected annual operating profit	286.60	294.17	367.22	367.22	308.71	349.91	400.73
Expected risk provisions for lending2	13.85	133.54	67.28	67.28	65.22	63.94	51.76
Expected risk provisions for securities and participations2	−6.77	1.01	−8.00	−8.00	16.86	32.68	52.76
Expected profit or loss on ordinary activities	279.53	159.62	307.94	307.94	226.63	253.29	296.21
Expected extraordinary income/loss	−2.80	−2.50	−8.85	−8.85	3.03	3.11	3.94
Expected tax on profit or loss and other taxes	76.62	48.87	77.20	77.20	64.83	70.20	82.37
Expected profit or loss for the year after tax	200.11	108.25	221.89	221.89	164.83	186.21	217.79
Average total assets3	54,118.69	58,523.38	62,552.85	62,552.85	65,513.92	65,852.96	66,600.16
Vorarlberg
Interest receivable and similar income	485.55	474.74	446.23	446.23	106.18	223.51	361.11
Interest payable and similar charges	70.90	45.45	3.43	3.43	−4.36	−10.80	10.60
Net interest income	414.65	429.28	442.80	442.80	110.54	234.31	350.51
Income from securities and participations	35.01	12.43	45.94	45.94	2.89	9.77	16.79
Net commissions income	156.04	164.79	174.42	174.42	39.57	82.39	121.82
Net profit or loss on financial operations	10.08	12.59	7.62	7.62	1.75	5.71	8.64
Other operating income	31.80	38.42	50.12	50.12	5.95	16.21	23.91
Operating income	647.58	657.52	720.91	720.91	160.70	348.39	521.67
Staff costs	229.25	233.25	236.02	236.02	58.27	116.06	174.71
Other administrative expenses	151.36	144.42	152.21	152.21	40.29	77.05	113.32
Depreciation and amortization	14.84	15.83	15.90	15.90	3.86	8.01	11.78
Other operating expenses	26.36	32.68	36.97	36.97	7.89	18.35	24.45
Operating expenses	421.81	426.18	441.09	441.09	110.31	219.47	324.25
Operating profit	225.77	231.33	279.82	279.82	50.39	128.91	197.42
Expected annual operating profit	222.37	228.74	288.16	288.16	201.71	231.02	259.28
Expected risk provisions for lending2	14.28	86.68	29.29	29.29	57.40	54.07	56.90
Expected risk provisions for securities and participations2	−48.70	3.00	−15.81	−15.81	10.88	19.34	29.13
Expected profit or loss on ordinary activities	256.79	139.06	274.68	274.68	133.43	157.60	173.25
Expected extraordinary income/loss	−14.59	−0.59	−14.73	−14.73	−3.40	−3.70	−4.00
Expected tax on profit or loss and other taxes	47.80	34.46	58.99	58.99	33.80	39.89	43.03
Expected profit or loss for the year after tax	194.40	104.01	200.96	200.96	96.23	114.02	126.22
Average total assets3	36,218.82	38,332.34	40,563.49	40,563.49	41,918.17	42,520.80	42,881.95
Styria
Interest receivable and similar income	800.17	780.91	729.96	729.96	181.57	376.70	610.78
Interest payable and similar charges	97.84	69.16	37.37	37.37	4.44	8.94	33.78
Net interest income	702.34	711.75	692.59	692.59	177.13	367.76	577.01
Income from securities and participations	97.21	27.97	96.26	96.26	12.19	46.28	105.66
Net commissions income	391.61	403.96	420.36	420.36	103.92	207.14	312.21
Net profit or loss on financial operations	9.22	11.15	11.39	11.39	2.46	5.28	7.57
Other operating income	134.05	141.92	82.33	82.33	17.80	37.30	55.66
Operating income	1,334.43	1,296.75	1,302.93	1,302.93	313.50	663.76	1,058.11
Staff costs	480.08	460.21	429.55	429.55	96.30	191.46	291.40
Other administrative expenses	343.91	332.08	302.77	302.77	92.73	162.37	235.65
Depreciation and amortization	28.15	28.72	28.21	28.21	6.49	13.10	19.42
Other operating expenses	36.95	46.18	57.57	57.57	16.57	24.27	34.91
Operating expenses	889.10	867.19	818.10	818.10	212.08	391.20	581.38
Operating profit	445.33	429.56	484.83	484.83	101.41	272.55	476.73
Expected annual operating profit	444.97	429.25	482.90	482.90	443.78	491.86	639.89
Expected risk provisions for lending2	−18.03	116.16	−50.65	−50.65	47.46	3.03	112.13
Expected risk provisions for securities and participations2	−11.05	6.66	−66.42	−66.42	67.35	153.83	130.52
Expected profit or loss on ordinary activities	474.04	306.44	599.97	599.97	328.97	335.00	397.25
Expected extraordinary income/loss	−11.11	16.32	83.52	83.52	0.20	−0.30	−0.30
Expected tax on profit or loss and other taxes	72.40	44.03	93.81	93.81	68.17	95.16	86.53
Expected profit or loss for the year after tax	390.54	278.73	589.68	589.68	261.00	239.54	310.42
Average total assets3	52,091.26	56,121.35	57,117.85	57,117.85	58,400.49	58,514.35	58,547.20
Carinthia
Interest receivable and similar income	452.73	438.72	426.78	426.78	102.89	209.86	334.32
Interest payable and similar charges	75.59	68.49	53.47	53.47	11.40	20.91	36.07
Net interest income	377.14	370.24	373.30	373.30	91.49	188.95	298.25
Income from securities and participations	39.79	17.76	35.93	35.93	4.56	13.00	18.11
Net commissions income	184.07	193.26	211.00	211.00	54.96	107.61	159.97
Net profit or loss on financial operations	3.69	4.08	4.11	4.11	0.80	2.03	3.45
Other operating income	39.50	60.71	43.60	43.60	6.19	15.89	28.49
Operating income	644.18	646.05	667.95	667.95	158.00	327.48	508.27
Staff costs	277.08	278.32	266.33	266.33	63.68	129.94	194.84
Other administrative expenses	165.52	169.97	176.03	176.03	49.47	91.17	133.11
Depreciation and amortization	19.02	21.30	21.36	21.36	5.20	10.78	16.31
Other operating expenses	14.38	22.57	31.06	31.06	7.57	14.97	19.75
Operating expenses	476.01	492.16	494.78	494.78	125.92	246.85	364.01
Operating profit	168.18	153.88	173.16	173.16	32.08	80.63	144.26
Expected annual operating profit	169.76	153.37	175.82	175.82	163.05	187.72	209.56
Expected risk provisions for lending2	23.77	58.77	27.87	27.87	39.55	36.32	41.45
Expected risk provisions for securities and participations2	−10.68	−6.83	−15.86	−15.86	2.47	10.32	13.73
Expected profit or loss on ordinary activities	156.67	101.44	163.82	163.82	121.03	141.07	154.39
Expected extraordinary income/loss	−9.58	2.81	−0.32	−0.32	0.80	1.04	1.16
Expected tax on profit or loss and other taxes	31.32	22.56	31.19	31.19	27.13	31.66	29.01
Expected profit or loss for the year after tax	115.78	81.69	132.30	132.30	94.70	110.45	126.53
Average total assets3	26,288.81	27,646.25	30,004.36	30,004.36	31,206.37	31,264.48	31,248.47
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).
1  Based on the quarterly report. The profitability data of credit institutions operating in Austria are shown on an unconsolidated basis.
2  Including already effected direct write-offs.
3  Average total assets, based on end-of-day balances, for the last completed financial year.
4  Comparisons between provinces are of limited usefulness, because supraregionally operating banks are always allocated to the head office location (UniCredit Bank Austria AG is, for instance, allocated to Vienna).
5  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

time series: years:  from from year199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021 to 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021   quarters:  from from year1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022from monthQ1Q2Q3Q4 to 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022Q1Q2Q3Q4 fix header:

last update on 25.11.2022 15:54

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