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Bank Profitability on Regional Basis14

End of period	2017	2018	2019	Q3 19	Q4 19	Q1 20	Q2 20
	EUR million
Vienna
Interest receivable and similar income	7,741.55	9,034.88	8,936.86	6,854.93	8,936.86	2,100.39	4,038.70
Interest payable and similar charges	4,045.42	5,235.73	5,247.87	4,055.96	5,247.87	1,168.91	2,190.49
Net interest income	3,696.13	3,799.15	3,689.00	2,798.97	3,689.00	931.48	1,848.21
Income from securities and participations	3,271.41	2,582.30	2,332.69	1,845.18	2,332.69	499.17	913.83
Net commissions income	2,221.17	2,294.37	2,274.02	1,676.81	2,274.02	617.03	1,114.12
Net profit or loss on financial operations	251.18	247.93	218.03	131.16	218.03	91.71	191.28
Other operating income	1,367.58	1,249.02	1,588.94	1,096.67	1,588.94	616.97	695.82
Operating income	10,807.47	10,172.77	10,102.68	7,548.79	10,102.68	2,756.35	4,763.26
Staff costs	2,951.06	3,120.96	3,467.30	2,653.50	3,467.30	672.91	1,401.35
Other administrative expenses	2,721.35	2,782.88	2,656.37	1,902.02	2,656.37	674.36	1,258.10
Depreciation and amortization	176.57	150.61	169.92	112.54	169.92	35.93	74.47
Other operating expenses	681.26	621.05	1,002.18	714.07	1,002.18	269.34	535.60
Operating expenses	6,530.25	6,675.50	7,295.77	5,382.12	7,295.77	1,652.54	3,269.52
Operating profit	4,277.23	3,497.27	2,806.91	2,166.67	2,806.91	1,103.82	1,493.74
Expected annual operating profit	4,425.84	3,820.29	3,154.47	3,286.69	3,154.47	3,206.49	3,242.67
Expected risk provisions for lending2	356.59	295.83	448.81	193.25	448.81	771.95	1,027.28
Expected risk provisions for securities and participations2	513.32	−38.01	−260.43	54.67	−260.43	136.92	458.30
Expected profit or loss on ordinary activities	3,555.92	3,562.46	2,966.09	3,038.76	2,966.09	2,297.62	1,757.09
Expected extraordinary income/loss	47.60	490.67	75.57	54.76	75.57	20.98	33.80
Expected tax on profit or loss and other taxes	339.16	289.67	292.23	330.95	292.23	457.05	363.28
Expected profit or loss for the year after tax	3,264.36	3,763.46	2,749.44	2,762.57	2,749.44	1,861.56	1,427.60
Average total assets3	466,175.91	483,613.33	497,649.10	493,510.07	497,649.10	511,893.43	523,458.88
Lower Austria
Interest receivable and similar income	890.00	899.43	933.22	699.22	933.22	230.24	463.25
Interest payable and similar charges	115.34	91.29	76.90	57.45	76.90	15.35	29.20
Net interest income	774.67	808.14	856.32	641.78	856.32	214.89	434.05
Income from securities and participations	28.52	66.82	58.54	46.59	58.54	2.92	6.80
Net commissions income	275.03	282.78	293.06	213.82	293.06	79.49	153.55
Net profit or loss on financial operations	4.45	4.06	5.14	3.74	5.14	1.26	2.67
Other operating income	41.81	44.67	53.64	26.68	53.64	11.40	18.04
Operating income	1,124.46	1,206.47	1,266.70	932.60	1,266.70	309.96	615.10
Staff costs	462.89	482.93	478.32	353.51	478.32	111.08	234.25
Other administrative expenses	281.20	290.57	314.77	227.25	314.77	81.54	152.30
Depreciation and amortization	35.80	32.64	30.61	22.42	30.61	7.26	14.98
Other operating expenses	36.63	36.34	29.42	15.66	29.42	6.49	13.10
Operating expenses	816.52	842.48	853.12	618.83	853.12	206.37	414.62
Operating profit	307.94	363.99	413.58	313.77	413.58	103.59	200.48
Expected annual operating profit	311.03	361.07	414.27	384.55	414.27	334.83	356.81
Expected risk provisions for lending2	34.78	−19.30	70.82	81.45	70.82	107.80	115.09
Expected risk provisions for securities and participations2	−19.15	23.24	−25.69	−16.29	−25.69	29.82	22.94
Expected profit or loss on ordinary activities	295.41	357.13	369.14	319.40	369.14	197.22	218.78
Expected extraordinary income/loss	−34.11	−40.62	44.15	70.48	44.15	−12.46	−9.06
Expected tax on profit or loss and other taxes	88.31	93.76	117.38	107.42	117.38	59.95	66.95
Expected profit or loss for the year after tax	172.98	222.75	295.91	282.46	295.91	124.80	142.77
Average total assets3	50,563.88	50,931.57	53,587.30	53,140.12	53,587.30	55,300.59	56,206.49
Burgenland
Interest receivable and similar income	192.30	181.04	179.85	133.82	179.85	43.88	78.80
Interest payable and similar charges	50.86	27.37	27.65	21.40	27.65	5.57	8.47
Net interest income	141.44	153.67	152.20	112.42	152.20	38.31	70.33
Income from securities and participations	7.30	14.03	24.35	12.16	24.35	4.00	8.19
Net commissions income	58.05	61.61	65.67	47.06	65.67	16.09	28.54
Net profit or loss on financial operations	2.30	0.87	0.00	−3.48	0.00	0.05	2.83
Other operating income	11.67	11.08	12.62	7.73	12.62	2.99	6.70
Operating income	220.75	241.26	254.84	175.88	254.84	61.44	116.59
Staff costs	87.94	93.55	96.53	72.66	96.53	24.30	45.04
Other administrative expenses	51.74	53.70	58.58	45.15	58.58	15.02	27.31
Depreciation and amortization	5.44	4.54	4.75	3.66	4.75	1.17	2.07
Other operating expenses	6.75	6.69	7.70	5.21	7.70	1.73	3.62
Operating expenses	151.88	158.48	167.56	126.68	167.56	42.21	78.04
Operating profit	68.87	82.78	87.28	49.21	87.28	19.23	38.56
Expected annual operating profit	68.87	82.78	87.28	79.46	87.28	81.36	76.63
Expected risk provisions for lending2	−11.97	−2.50	1.26	15.01	1.26	31.74	23.51
Expected risk provisions for securities and participations2	−0.49	1.27	−2.12	−0.88	−2.12	3.54	2.04
Expected profit or loss on ordinary activities	81.33	84.01	88.15	65.33	88.15	46.08	51.08
Expected extraordinary income/loss	1.50	0.00	0.00	0.00	0.00	0.00	0.95
Expected tax on profit or loss and other taxes	18.94	19.60	21.22	14.03	21.22	8.25	9.42
Expected profit or loss for the year after tax	63.90	64.41	66.93	51.30	66.93	37.83	42.61
Average total assets3	11,065.52	11,734.92	12,296.13	12,222.97	12,296.13	12,750.03	12,079.97
Upper Austria
Interest receivable and similar income	1,614.14	1,734.21	1,795.29	1,345.64	1,795.29	443.90	873.97
Interest payable and similar charges	484.04	492.77	529.65	397.08	529.65	119.51	224.63
Net interest income	1,130.10	1,241.45	1,265.65	948.56	1,265.65	324.39	649.35
Income from securities and participations	311.46	317.82	304.67	232.60	304.67	61.50	117.93
Net commissions income	626.97	663.71	685.70	471.90	685.70	181.57	338.79
Net profit or loss on financial operations	26.80	9.62	21.55	16.58	21.55	−5.47	0.73
Other operating income	139.18	120.55	132.05	73.87	132.05	28.27	58.84
Operating income	2,234.50	2,353.14	2,409.62	1,743.52	2,409.62	590.26	1,165.64
Staff costs	792.45	844.64	830.81	597.60	830.81	192.52	398.41
Other administrative expenses	472.72	503.63	549.45	388.56	549.45	130.79	256.67
Depreciation and amortization	50.10	48.95	50.20	39.96	50.20	14.44	28.95
Other operating expenses	147.97	99.45	133.28	56.61	133.28	49.36	79.14
Operating expenses	1,463.24	1,496.67	1,563.74	1,082.73	1,563.74	387.12	763.17
Operating profit	771.25	856.47	845.88	660.79	845.88	203.13	402.47
Expected annual operating profit	771.31	856.30	844.74	769.85	844.74	742.05	754.94
Expected risk provisions for lending2	161.04	81.00	90.82	124.60	90.82	166.03	215.53
Expected risk provisions for securities and participations2	−117.79	10.62	−64.43	−55.61	−64.43	84.36	46.35
Expected profit or loss on ordinary activities	728.06	764.68	818.35	700.86	818.35	491.67	493.06
Expected extraordinary income/loss	−10.78	−18.26	−12.34	−1.75	−12.34	−0.27	−0.27
Expected tax on profit or loss and other taxes	111.24	180.80	185.39	167.74	185.39	119.01	120.73
Expected profit or loss for the year after tax	606.05	565.62	620.62	531.37	620.62	372.39	372.05
Average total assets3	101,098.99	106,032.88	111,998.41	111,038.10	111,998.41	115,742.16	116,759.70
Salzburg
Interest receivable and similar income	671.87	669.26	635.21	474.52	635.21	155.63	307.12
Interest payable and similar charges	204.83	174.53	132.72	99.91	132.72	28.94	57.40
Net interest income	467.05	494.73	502.49	374.62	502.49	126.68	249.72
Income from securities and participations	42.41	57.41	57.80	37.32	57.80	8.17	15.05
Net commissions income	261.51	267.01	281.60	208.75	281.60	82.72	153.71
Net profit or loss on financial operations	6.11	4.28	4.75	3.63	4.75	−1.33	2.66
Other operating income	950.55	1,043.75	1,136.59	843.09	1,136.59	281.46	572.46
Operating income	1,727.63	1,867.18	1,983.22	1,467.40	1,983.22	497.72	993.60
Staff costs	413.13	430.79	438.04	328.96	438.04	103.52	215.13
Other administrative expenses	269.04	287.71	304.21	228.20	304.21	73.68	142.15
Depreciation and amortization	531.03	591.93	647.42	477.04	647.42	168.09	336.43
Other operating expenses	263.37	277.06	310.75	222.34	310.75	72.66	147.27
Operating expenses	1,476.56	1,587.48	1,700.41	1,256.54	1,700.41	417.94	840.97
Operating profit	251.07	279.70	282.81	210.86	282.81	79.78	152.62
Expected annual operating profit	236.49	273.27	279.29	276.56	279.29	258.02	265.41
Expected risk provisions for lending2	16.48	10.24	10.47	25.81	10.47	58.47	80.70
Expected risk provisions for securities and participations2	−7.38	−29.86	8.20	−5.54	8.20	1.45	−4.73
Expected profit or loss on ordinary activities	227.39	292.89	260.61	256.29	260.61	198.10	189.44
Expected extraordinary income/loss	−0.04	1.51	−0.60	−0.60	−0.60	0.00	0.00
Expected tax on profit or loss and other taxes	40.62	45.01	52.58	48.76	52.58	47.01	48.10
Expected profit or loss for the year after tax	186.73	249.39	207.43	206.93	207.43	151.09	141.34
Average total assets3	39,055.08	40,461.15	42,606.98	42,428.65	42,606.98	43,573.96	44,121.26
Tyrol
Interest receivable and similar income	830.12	824.50	847.07	628.26	847.07	203.56	405.71
Interest payable and similar charges	239.42	198.88	196.59	148.39	196.59	43.69	86.46
Net interest income	590.70	625.63	650.48	479.87	650.48	159.87	319.24
Income from securities and participations	34.14	50.69	46.80	28.79	46.80	4.93	10.68
Net commissions income	284.99	296.40	309.27	224.25	309.27	83.82	158.73
Net profit or loss on financial operations	15.34	−0.43	7.52	6.05	7.52	1.06	2.50
Other operating income	55.84	58.27	65.24	41.02	65.24	20.50	33.53
Operating income	981.01	1,030.56	1,079.31	779.98	1,079.31	270.18	524.67
Staff costs	407.56	424.08	438.13	318.08	438.13	98.30	201.50
Other administrative expenses	241.42	249.55	267.23	191.79	267.23	65.96	127.07
Depreciation and amortization	34.63	33.27	33.84	23.54	33.84	9.60	19.91
Other operating expenses	58.52	53.33	53.65	35.47	53.65	11.71	23.17
Operating expenses	742.13	760.23	792.85	568.88	792.85	185.57	371.64
Operating profit	238.87	270.33	286.47	211.10	286.47	84.62	153.04
Expected annual operating profit	237.73	266.73	286.60	260.27	286.60	216.57	246.03
Expected risk provisions for lending2	35.20	−51.92	13.85	17.21	13.85	92.89	110.11
Expected risk provisions for securities and participations2	−18.36	9.50	−6.77	−3.21	−6.77	12.94	5.08
Expected profit or loss on ordinary activities	220.89	309.15	279.53	246.26	279.53	110.75	130.84
Expected extraordinary income/loss	−5.11	53.41	−2.80	2.60	−2.80	−1.63	−0.49
Expected tax on profit or loss and other taxes	58.33	77.96	76.62	61.31	76.62	35.01	44.33
Expected profit or loss for the year after tax	157.45	284.61	200.11	187.55	200.11	74.11	86.02
Average total assets3	49,840.81	41,032.78	42,765.06	42,578.48	42,765.06	44,633.31	45,215.69
Vorarlberg
Interest receivable and similar income	481.61	493.04	485.55	362.10	485.55	118.93	241.48
Interest payable and similar charges	99.44	81.16	70.90	53.49	70.90	14.86	32.16
Net interest income	382.17	411.88	414.65	308.61	414.65	104.07	209.32
Income from securities and participations	25.48	33.33	35.01	27.75	35.01	2.61	4.20
Net commissions income	148.86	146.91	156.04	110.02	156.04	41.71	78.67
Net profit or loss on financial operations	13.68	9.63	10.08	5.69	10.08	2.66	5.75
Other operating income	28.85	28.08	31.80	22.66	31.80	10.73	19.75
Operating income	599.05	629.83	647.58	474.73	647.58	161.78	317.69
Staff costs	214.38	223.37	229.25	168.05	229.25	56.68	113.75
Other administrative expenses	139.50	145.33	151.36	114.00	151.36	38.54	74.82
Depreciation and amortization	15.37	15.50	14.84	11.14	14.84	3.72	7.55
Other operating expenses	30.62	23.78	26.36	17.28	26.36	4.84	13.87
Operating expenses	399.87	407.98	421.81	310.47	421.81	103.78	209.99
Operating profit	199.18	221.84	225.77	164.26	225.77	58.00	107.70
Expected annual operating profit	197.42	221.33	222.37	202.11	222.37	202.88	206.53
Expected risk provisions for lending2	19.87	1.27	14.28	16.14	14.28	62.90	74.14
Expected risk provisions for securities and participations2	−5.48	21.06	−48.70	−44.63	−48.70	19.43	11.93
Expected profit or loss on ordinary activities	183.03	199.01	256.79	230.60	256.79	120.54	120.47
Expected extraordinary income/loss	−4.55	−17.79	−14.59	−5.09	−14.59	−3.29	−1.59
Expected tax on profit or loss and other taxes	50.93	47.17	47.80	42.33	47.80	27.17	27.75
Expected profit or loss for the year after tax	127.55	134.05	194.40	183.18	194.40	90.08	91.13
Average total assets3	34,553.23	35,045.73	36,218.82	35,996.28	36,218.82	37,156.74	37,630.61
Styria
Interest receivable and similar income	915.15	793.41	800.22	598.70	800.22	197.91	395.89
Interest payable and similar charges	252.67	108.67	97.89	76.93	97.89	21.43	41.39
Net interest income	662.48	684.75	702.34	521.77	702.34	176.48	354.50
Income from securities and participations	54.69	79.81	97.21	68.63	97.21	6.81	13.15
Net commissions income	364.25	372.92	394.19	290.43	394.19	100.40	194.59
Net profit or loss on financial operations	10.26	7.47	9.22	5.94	9.22	2.33	4.92
Other operating income	127.81	110.45	134.19	79.94	134.19	25.27	58.05
Operating income	1,219.48	1,255.40	1,337.14	966.72	1,337.14	311.28	625.20
Staff costs	447.21	486.04	484.97	372.65	484.97	107.24	226.83
Other administrative expenses	318.69	324.70	368.17	255.81	368.17	91.11	196.97
Depreciation and amortization	30.62	28.76	28.19	20.51	28.19	6.78	14.32
Other operating expenses	47.59	40.77	36.95	25.28	36.95	11.04	17.18
Operating expenses	844.11	880.27	918.27	674.25	918.27	216.18	455.30
Operating profit	375.37	375.13	418.87	292.46	418.87	95.10	169.90
Expected annual operating profit	375.74	375.31	418.50	388.61	418.50	331.96	344.77
Expected risk provisions for lending2	29.10	−8.15	−18.23	27.09	−18.23	116.06	116.74
Expected risk provisions for securities and participations2	−80.96	−52.71	−11.12	−4.91	−11.12	22.91	25.66
Expected profit or loss on ordinary activities	427.60	436.17	447.85	366.43	447.85	192.99	202.37
Expected extraordinary income/loss	−80.41	−52.18	−11.11	−1.05	−11.11	−0.50	−0.40
Expected tax on profit or loss and other taxes	64.99	66.66	72.39	59.20	72.39	36.42	34.37
Expected profit or loss for the year after tax	282.19	317.34	364.35	306.18	364.35	156.07	167.60
Average total assets3	47,835.20	49,826.40	52,118.77	52,027.03	52,118.77	54,213.00	54,885.20
Carinthia
Interest receivable and similar income	490.52	452.39	452.73	336.44	452.73	111.67	226.44
Interest payable and similar charges	125.86	77.55	75.59	55.17	75.59	18.04	36.13
Net interest income	364.66	374.84	377.14	281.27	377.14	93.63	190.31
Income from securities and participations	20.79	35.23	39.79	26.48	39.79	4.17	7.04
Net commissions income	167.58	172.31	184.07	133.98	184.07	48.65	94.18
Net profit or loss on financial operations	5.22	4.58	3.69	3.01	3.69	−1.87	0.26
Other operating income	47.27	45.14	39.50	22.43	39.50	5.70	15.55
Operating income	605.52	632.10	644.18	467.17	644.18	150.27	307.34
Staff costs	263.91	274.54	277.08	205.43	277.08	66.21	137.50
Other administrative expenses	151.70	157.66	165.52	118.72	165.52	41.95	81.16
Depreciation and amortization	19.32	18.20	19.02	13.87	19.02	4.72	9.40
Other operating expenses	19.91	17.28	14.38	10.92	14.38	4.46	9.09
Operating expenses	454.84	467.68	476.01	348.94	476.01	117.35	237.15
Operating profit	150.68	164.42	168.18	118.24	168.18	32.93	70.20
Expected annual operating profit	151.31	164.33	169.76	161.08	169.76	159.43	160.25
Expected risk provisions for lending2	47.99	45.83	23.77	35.10	23.77	61.86	74.39
Expected risk provisions for securities and participations2	−12.90	−19.32	−10.68	−14.36	−10.68	9.35	8.55
Expected profit or loss on ordinary activities	116.23	137.82	156.67	140.34	156.67	88.21	77.31
Expected extraordinary income/loss	−19.19	−8.54	−9.58	−1.81	−9.58	2.39	−0.44
Expected tax on profit or loss and other taxes	24.25	30.45	31.32	28.27	31.32	20.81	18.64
Expected profit or loss for the year after tax	72.79	98.84	115.78	110.27	115.78	69.80	58.23
Average total assets3	24,024.80	24,669.39	26,288.81	26,074.26	26,288.81	27,163.94	27,444.35
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 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019 to 1995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019   quarters:  from 19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020Q1Q2Q3Q4 to 19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020Q1Q2Q3Q4 fix header:

last update on 27.02.2020 14:00

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