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Bank Profitability on Regional Basis14

End of period	2016	2017	2018	Q3 18	Q4 18	Q1 19	Q2 19
	EUR million
Vienna
Interest receivable and similar income	8,854.08	7,741.55	9,034.88	6,551.12	9,034.88	2,339.11	4,563.41
Interest payable and similar charges	4,998.09	4,045.42	5,235.73	3,656.79	5,235.73	1,388.14	2,712.30
Net interest income	3,856.00	3,696.13	3,799.15	2,894.34	3,799.15	950.97	1,851.11
Income from securities and participations	3,072.66	3,271.41	2,582.30	1,976.06	2,582.30	482.06	1,589.76
Net commissions income	1,963.62	2,221.17	2,294.37	1,705.64	2,294.37	559.69	1,113.86
Net profit or loss on financial operations	239.84	251.18	247.93	171.56	247.93	−7.90	53.70
Other operating income	1,304.93	1,367.58	1,249.02	908.86	1,249.02	403.29	700.37
Operating income	10,437.05	10,807.47	10,172.77	7,656.46	10,172.77	2,388.10	5,308.81
Staff costs	3,530.53	2,951.06	3,120.96	2,223.63	3,120.96	904.83	1,694.37
Other administrative expenses	2,719.29	2,721.35	2,782.88	1,931.20	2,782.88	676.94	1,286.44
Depreciation and amortization	244.72	176.57	150.61	104.53	150.61	35.31	73.34
Other operating expenses	669.29	681.26	621.05	472.74	621.05	293.81	451.97
Operating expenses	7,163.83	6,530.25	6,675.50	4,732.10	6,675.50	1,910.89	3,506.10
Operating profit	3,273.22	4,277.23	3,497.27	2,924.36	3,497.27	477.21	1,802.71
Expected annual operating profit	3,265.50	4,425.84	3,820.29	3,572.95	3,820.29	3,698.71	3,491.79
Expected risk provisions for lending2	468.50	356.59	295.83	338.59	295.83	313.38	273.78
Expected risk provisions for securities and participations2	−108.85	513.32	−38.01	−372.59	−38.01	91.71	64.16
Expected profit or loss on ordinary activities	2,905.85	3,555.92	3,562.46	3,606.95	3,562.46	3,293.62	3,153.85
Expected extraordinary income/loss	−149.01	47.60	490.67	33.96	490.67	14.47	30.00
Expected tax on profit or loss and other taxes	120.99	339.16	289.67	281.73	289.67	399.03	372.03
Expected profit or loss for the year after tax	2,635.85	3,264.36	3,763.46	3,359.18	3,763.46	2,909.06	2,811.82
Average total assets3	486,310.61	466,175.91	483,613.33	474,622.07	483,613.33	480,146.88	483,395.99
Lower Austria
Interest receivable and similar income	934.67	890.00	899.43	664.56	899.43	230.30	461.37
Interest payable and similar charges	151.02	115.34	91.29	64.16	91.29	19.70	38.85
Net interest income	783.65	774.67	808.14	600.40	808.14	210.59	422.53
Income from securities and participations	45.95	28.52	66.82	49.50	66.82	10.32	33.42
Net commissions income	216.07	275.03	282.78	202.18	282.78	71.84	141.48
Net profit or loss on financial operations	7.21	4.45	4.06	2.88	4.06	0.99	2.12
Other operating income	57.98	41.81	44.67	27.48	44.67	7.11	17.57
Operating income	1,110.85	1,124.46	1,206.47	882.44	1,206.47	300.86	617.12
Staff costs	489.66	462.89	482.93	345.42	482.93	112.89	234.14
Other administrative expenses	284.41	281.20	290.57	220.49	290.57	81.19	151.27
Depreciation and amortization	42.01	35.80	32.64	24.19	32.64	7.53	14.91
Other operating expenses	25.05	36.63	36.34	24.31	36.34	4.31	11.47
Operating expenses	841.12	816.52	842.48	614.41	842.48	205.91	411.78
Operating profit	269.73	307.94	363.99	268.03	363.99	94.95	205.34
Expected annual operating profit	269.45	311.03	361.07	339.19	361.07	362.59	375.76
Expected risk provisions for lending2	30.45	34.78	−19.30	52.91	−19.30	79.46	65.05
Expected risk provisions for securities and participations2	−118.68	−19.15	23.24	19.17	23.24	−1.37	−8.51
Expected profit or loss on ordinary activities	357.68	295.41	357.13	267.12	357.13	284.50	319.22
Expected extraordinary income/loss	−49.20	−34.11	−40.62	−12.33	−40.62	−13.05	−14.28
Expected tax on profit or loss and other taxes	63.25	88.31	93.76	69.47	93.76	73.65	79.59
Expected profit or loss for the year after tax	245.24	172.98	222.75	185.31	222.75	197.80	225.34
Average total assets3	50,684.99	50,563.88	50,931.57	50,726.84	50,931.57	52,659.43	52,359.43
Burgenland
Interest receivable and similar income	207.63	192.30	181.04	147.43	181.04	44.80	88.84
Interest payable and similar charges	60.82	50.86	27.37	33.63	27.37	6.93	13.98
Net interest income	146.81	141.44	153.67	113.80	153.67	37.86	74.86
Income from securities and participations	10.46	7.30	14.03	9.89	14.03	3.66	7.87
Net commissions income	55.67	58.05	61.61	45.68	61.61	15.40	30.82
Net profit or loss on financial operations	5.11	2.30	0.87	0.69	0.87	−1.81	−2.33
Other operating income	9.67	11.67	11.08	7.25	11.08	2.51	5.13
Operating income	227.71	220.75	241.26	177.31	241.26	57.62	116.35
Staff costs	88.53	87.94	93.55	68.58	93.55	23.95	48.58
Other administrative expenses	50.62	51.74	53.70	40.76	53.70	14.49	29.62
Depreciation and amortization	5.41	5.44	4.54	3.60	4.54	1.16	2.55
Other operating expenses	6.07	6.75	6.69	5.06	6.69	1.66	3.27
Operating expenses	150.64	151.88	158.48	118.00	158.48	41.26	84.01
Operating profit	77.07	68.87	82.78	59.31	82.78	16.35	32.34
Expected annual operating profit	77.07	68.87	82.78	77.06	82.78	79.94	79.50
Expected risk provisions for lending2	−16.69	−11.97	−2.50	16.41	−2.50	23.01	17.57
Expected risk provisions for securities and participations2	5.35	−0.49	1.27	1.51	1.27	−0.09	−0.10
Expected profit or loss on ordinary activities	88.41	81.33	84.01	59.14	84.01	57.03	62.03
Expected extraordinary income/loss	20.96	1.50	0.00	0.00	0.00	0.00	0.00
Expected tax on profit or loss and other taxes	25.46	18.94	19.60	13.27	19.60	11.42	13.53
Expected profit or loss for the year after tax	83.92	63.90	64.41	45.86	64.41	45.61	48.50
Average total assets3	10,817.72	11,065.52	11,734.92	11,619.02	11,734.92	12,175.63	12,164.48
Upper Austria
Interest receivable and similar income	1,736.15	1,614.14	1,734.21	1,249.81	1,734.21	435.19	891.94
Interest payable and similar charges	549.84	484.04	492.77	320.26	492.77	127.75	267.54
Net interest income	1,186.31	1,130.10	1,241.45	929.54	1,241.45	307.44	624.39
Income from securities and participations	284.57	311.46	317.82	232.02	317.82	70.37	163.65
Net commissions income	549.15	626.97	663.71	462.59	663.71	160.48	312.98
Net profit or loss on financial operations	25.78	26.80	9.62	7.45	9.62	7.71	12.47
Other operating income	114.91	139.18	120.55	77.47	120.55	20.50	45.91
Operating income	2,160.71	2,234.50	2,353.14	1,709.07	2,353.14	566.50	1,159.41
Staff costs	794.57	792.45	844.64	584.09	844.64	190.69	400.44
Other administrative expenses	456.58	472.72	503.63	357.92	503.63	121.80	257.38
Depreciation and amortization	47.57	50.10	48.95	37.40	48.95	13.52	27.15
Other operating expenses	97.90	147.97	99.45	54.18	99.45	14.63	42.47
Operating expenses	1,396.61	1,463.24	1,496.67	1,033.59	1,496.67	340.65	727.44
Operating profit	764.10	771.25	856.47	675.48	856.47	225.85	431.97
Expected annual operating profit	765.19	771.31	856.30	825.01	856.30	830.81	799.55
Expected risk provisions for lending2	130.36	161.04	81.00	150.02	81.00	158.60	149.03
Expected risk provisions for securities and participations2	−63.58	−117.79	10.62	1.80	10.62	−20.21	−47.37
Expected profit or loss on ordinary activities	698.41	728.06	764.68	673.20	764.68	692.42	697.90
Expected extraordinary income/loss	0.19	−10.78	−18.26	−2.12	−18.26	−1.25	−1.25
Expected tax on profit or loss and other taxes	187.53	111.24	180.80	154.63	180.80	158.43	158.79
Expected profit or loss for the year after tax	511.07	606.05	565.62	516.45	565.62	532.73	537.86
Average total assets3	97,239.42	101,098.99	106,032.88	105,301.71	106,032.88	109,761.65	109,816.31
Salzburg
Interest receivable and similar income	719.14	671.87	669.26	502.65	669.26	161.81	319.90
Interest payable and similar charges	250.55	204.83	174.53	132.49	174.53	38.77	67.69
Net interest income	468.60	467.05	494.73	370.16	494.73	123.03	252.21
Income from securities and participations	58.17	42.41	57.41	40.94	57.41	11.00	30.78
Net commissions income	257.88	261.51	267.01	200.64	267.01	71.45	141.19
Net profit or loss on financial operations	7.69	6.11	4.28	2.89	4.28	0.63	2.27
Other operating income	904.13	950.55	1,043.75	772.67	1,043.75	273.66	557.69
Operating income	1,696.47	1,727.63	1,867.18	1,387.29	1,867.18	479.77	984.14
Staff costs	428.85	413.13	430.79	317.21	430.79	106.96	222.45
Other administrative expenses	277.78	269.04	287.71	209.50	287.71	72.28	159.37
Depreciation and amortization	496.77	531.03	591.93	428.20	591.93	154.67	313.79
Other operating expenses	239.14	263.37	277.06	215.78	277.06	72.84	148.23
Operating expenses	1,442.54	1,476.56	1,587.48	1,170.68	1,587.48	406.76	843.84
Operating profit	253.93	251.07	279.70	216.61	279.70	73.01	140.31
Expected annual operating profit	254.43	236.49	273.27	283.05	273.27	292.18	287.95
Expected risk provisions for lending2	−4.89	16.48	10.24	42.05	10.24	47.97	42.62
Expected risk provisions for securities and participations2	−5.11	−7.38	−29.86	−0.11	−29.86	0.49	−2.14
Expected profit or loss on ordinary activities	264.43	227.39	292.89	241.10	292.89	243.72	247.47
Expected extraordinary income/loss	−5.21	−0.04	1.51	0.00	1.51	−0.65	−0.52
Expected tax on profit or loss and other taxes	32.44	40.62	45.01	47.89	45.01	44.21	46.65
Expected profit or loss for the year after tax	226.78	186.73	249.39	193.21	249.39	198.86	200.30
Average total assets3	38,054.71	39,055.08	40,461.15	40,688.68	40,461.15	41,910.15	42,793.95
Tyrol
Interest receivable and similar income	904.18	830.12	824.50	609.40	824.50	208.10	411.91
Interest payable and similar charges	293.93	239.42	198.88	148.07	198.88	50.85	100.01
Net interest income	610.25	590.70	625.63	461.33	625.63	157.25	311.89
Income from securities and participations	35.80	34.14	50.69	27.28	50.69	7.78	22.20
Net commissions income	252.30	284.99	296.40	219.21	296.40	74.40	147.74
Net profit or loss on financial operations	8.77	15.34	−0.43	2.37	−0.43	−1.11	−0.75
Other operating income	74.94	55.84	58.27	36.18	58.27	12.48	24.98
Operating income	982.06	981.01	1,030.56	746.36	1,030.56	250.80	506.05
Staff costs	428.20	407.56	424.08	305.05	424.08	105.10	209.84
Other administrative expenses	240.75	241.42	249.55	184.26	249.55	63.46	126.40
Depreciation and amortization	37.85	34.63	33.27	23.58	33.27	9.60	15.62
Other operating expenses	50.80	58.52	53.33	35.30	53.33	13.85	26.79
Operating expenses	757.60	742.13	760.23	548.19	760.23	192.01	378.65
Operating profit	224.46	238.87	270.33	198.18	270.33	58.80	127.40
Expected annual operating profit	222.01	237.73	266.73	251.68	266.73	270.47	268.68
Expected risk provisions for lending2	40.08	35.20	−51.92	−0.73	−51.92	55.93	47.70
Expected risk provisions for securities and participations2	−35.60	−18.36	9.50	1.13	9.50	−6.41	−8.02
Expected profit or loss on ordinary activities	217.53	220.89	309.15	251.28	309.15	220.95	228.99
Expected extraordinary income/loss	−21.46	−5.11	53.41	−2.31	53.41	−2.50	−2.50
Expected tax on profit or loss and other taxes	32.64	58.33	77.96	68.30	77.96	52.51	54.77
Expected profit or loss for the year after tax	163.44	157.45	284.61	180.67	284.61	165.95	171.72
Average total assets3	48,274.97	49,840.81	41,032.78	40,887.43	41,032.78	42,256.82	41,888.65
Vorarlberg
Interest receivable and similar income	516.88	481.61	493.04	357.59	493.04	119.74	245.13
Interest payable and similar charges	129.51	99.44	81.16	62.55	81.16	19.32	40.59
Net interest income	387.37	382.17	411.88	295.04	411.88	100.42	204.54
Income from securities and participations	31.57	25.48	33.33	26.16	33.33	4.24	23.29
Net commissions income	132.78	148.86	146.91	103.38	146.91	36.32	73.47
Net profit or loss on financial operations	6.51	13.68	9.63	7.25	9.63	2.24	4.84
Other operating income	22.67	28.85	28.08	19.71	28.08	4.06	15.69
Operating income	580.89	599.05	629.83	451.55	629.83	147.28	321.82
Staff costs	220.07	214.38	223.37	161.21	223.37	54.08	108.76
Other administrative expenses	141.38	139.50	145.33	106.73	145.33	38.10	74.82
Depreciation and amortization	15.49	15.37	15.50	11.24	15.50	3.54	7.32
Other operating expenses	20.72	30.62	23.78	15.21	23.78	3.87	13.73
Operating expenses	397.66	399.87	407.98	294.39	407.98	99.59	204.62
Operating profit	183.23	199.18	221.84	157.15	221.84	47.69	117.20
Expected annual operating profit	182.25	197.42	221.33	202.58	221.33	202.05	203.49
Expected risk provisions for lending2	−86.66	19.87	1.27	8.37	1.27	44.29	32.02
Expected risk provisions for securities and participations2	−27.24	−5.48	21.06	−4.15	21.06	2.36	−37.91
Expected profit or loss on ordinary activities	296.15	183.03	199.01	198.35	199.01	155.40	209.38
Expected extraordinary income/loss	−4.17	−4.55	−17.79	−4.17	−17.79	−4.07	−4.09
Expected tax on profit or loss and other taxes	92.90	50.93	47.17	45.18	47.17	35.37	38.86
Expected profit or loss for the year after tax	199.08	127.55	134.05	149.00	134.05	115.96	166.43
Average total assets3	34,321.52	34,553.23	35,045.73	34,686.94	35,045.73	35,759.10	36,010.57
Styria
Interest receivable and similar income	1,004.12	915.15	793.41	590.61	793.41	196.60	401.85
Interest payable and similar charges	301.63	252.67	108.67	82.08	108.67	25.75	52.11
Net interest income	702.50	662.48	684.75	508.52	684.75	170.85	349.74
Income from securities and participations	44.30	54.69	79.81	51.45	79.81	16.92	50.45
Net commissions income	305.91	364.25	372.92	275.90	372.92	94.33	191.03
Net profit or loss on financial operations	13.06	10.26	7.47	6.09	7.47	1.87	3.43
Other operating income	109.48	127.81	110.45	77.13	110.45	25.16	53.51
Operating income	1,175.25	1,219.48	1,255.40	919.09	1,255.40	309.13	648.16
Staff costs	464.71	447.21	486.04	344.71	486.04	121.32	249.23
Other administrative expenses	319.89	318.69	324.70	245.58	324.70	88.80	171.16
Depreciation and amortization	37.91	30.62	28.76	21.54	28.76	6.75	13.71
Other operating expenses	39.33	47.59	40.77	25.96	40.77	10.99	18.19
Operating expenses	861.83	844.11	880.27	637.78	880.27	227.86	452.29
Operating profit	313.41	375.37	375.13	281.30	375.13	81.27	195.86
Expected annual operating profit	313.31	375.74	375.31	366.88	375.31	402.34	402.96
Expected risk provisions for lending2	−72.01	29.10	−8.15	40.82	−8.15	72.75	61.58
Expected risk provisions for securities and participations2	25.49	−80.96	−52.71	2.49	−52.71	−1.85	−6.59
Expected profit or loss on ordinary activities	359.82	427.60	436.17	323.57	436.17	331.44	347.97
Expected extraordinary income/loss	−27.06	−80.41	−52.18	−1.41	−52.18	−1.06	−1.06
Expected tax on profit or loss and other taxes	62.69	64.99	66.66	58.51	66.66	52.64	51.39
Expected profit or loss for the year after tax	270.08	282.19	317.34	263.65	317.34	277.74	295.52
Average total assets3	48,005.05	47,835.20	49,826.40	49,547.44	49,826.40	50,954.88	51,415.56
Carinthia
Interest receivable and similar income	557.86	490.52	452.39	354.79	452.39	111.63	225.59
Interest payable and similar charges	179.13	125.86	77.55	74.12	77.55	18.89	38.90
Net interest income	378.73	364.66	374.84	280.68	374.84	92.74	186.69
Income from securities and participations	24.78	20.79	35.23	24.14	35.23	4.22	19.60
Net commissions income	152.90	167.58	172.31	127.73	172.31	45.11	89.42
Net profit or loss on financial operations	7.97	5.22	4.58	2.99	4.58	0.64	2.21
Other operating income	45.76	47.27	45.14	25.34	45.14	6.24	15.22
Operating income	610.14	605.52	632.10	460.88	632.10	148.95	313.15
Staff costs	305.39	263.91	274.54	199.74	274.54	66.93	137.17
Other administrative expenses	191.45	151.70	157.66	118.75	157.66	39.96	80.81
Depreciation and amortization	23.09	19.32	18.20	13.41	18.20	3.96	9.13
Other operating expenses	17.86	19.91	17.28	12.27	17.28	4.00	8.20
Operating expenses	537.79	454.84	467.68	344.17	467.68	114.85	235.31
Operating profit	72.36	150.68	164.42	116.71	164.42	34.10	77.84
Expected annual operating profit	72.27	151.31	164.33	154.11	164.33	156.96	163.87
Expected risk provisions for lending2	3.37	47.99	45.83	47.43	45.83	45.43	42.40
Expected risk provisions for securities and participations2	−57.48	−12.90	−19.32	−5.75	−19.32	0.15	−4.05
Expected profit or loss on ordinary activities	126.38	116.23	137.82	112.43	137.82	111.38	125.53
Expected extraordinary income/loss	−7.63	−19.19	−8.54	3.72	−8.54	−2.60	−2.21
Expected tax on profit or loss and other taxes	24.08	24.25	30.45	25.32	30.45	24.44	25.95
Expected profit or loss for the year after tax	94.67	72.79	98.84	90.83	98.84	84.35	97.36
Average total assets3	27,040.85	24,024.80	24,669.39	24,964.71	24,669.39	25,751.87	25,504.29
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).

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time series: years:  from 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018 to 199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018   quarters:  from 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019Q1Q2Q3Q4 to 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019Q1Q2Q3Q4 fix header:

last update on 27.08.2019 13:05

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