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Bank Profitability on Regional Basis145
   
End of period201920202021Q4 21Q1 22Q2 22Q3 22
 
  EUR million
 
Vienna       
Interest receivable and similar income8,926.067,537.837,393.367,393.362,046.904,437.517,540.09
Interest payable and similar charges5,235.283,854.063,466.953,466.951,077.982,404.134,395.70
Net interest income3,690.783,683.773,926.413,926.41968.922,033.383,144.39
Income from securities and
participations
2,332.781,835.592,511.492,511.49334.982,222.902,269.41
Net commissions income2,276.132,252.922,600.662,600.66573.451,110.671,625.05
Net profit or loss on financial operations216.04392.57252.65252.65378.02157.30233.27
Other operating income1,589.221,537.501,758.891,758.89726.001,444.451,960.14
Operating income10,104.949,702.3511,050.1011,050.102,981.376,968.719,232.27
Staff costs3,472.152,862.073,000.113,000.11610.511,196.001,774.07
Other administrative expenses2,680.692,600.542,706.582,706.58674.981,284.601,864.82
Depreciation and amortization172.36156.64311.85311.8577.30147.41222.74
Other operating expenses1,002.161,157.231,332.621,332.62401.21746.231,000.49
Operating expenses7,327.366,776.477,351.167,351.161,764.003,374.234,862.12
Operating profit2,777.592,925.883,698.933,698.931,217.373,594.484,370.15
Expected annual operating profit3,129.672,922.873,687.083,687.084,295.024,983.095,126.07
Expected risk provisions for lending2 452.231,219.09417.78417.78707.59816.951,041.34
Expected risk provisions for securities and participations2−258.87374.45−865.48−865.481,255.101,537.381,197.84
Expected profit or loss on ordinary activities2,936.311,329.344,134.794,134.792,332.342,628.762,886.89
Expected extraordinary income/loss75.57157.18122.27122.2737.53161.23110.35
Expected tax on profit or loss and other taxes293.26271.79241.53241.53391.79566.65504.37
Expected profit or loss for the year after tax2,718.621,214.724,015.534,015.531,978.082,223.342,492.86
Average total assets3497,670.31544,574.66587,632.25587,632.25610,356.92619,213.51623,254.95
               
               
               
Lower Austria       
Interest receivable and similar income933.22931.38900.51900.51227.76468.17758.42
Interest payable and similar charges76.9051.6812.7412.741.663.2817.88
Net interest income856.32879.70887.77887.77226.09464.89740.54
Income from securities and
participations
58.5424.3586.2886.284.079.7715.00
Net commissions income293.06314.11348.55348.5591.53181.29269.52
Net profit or loss on financial operations5.144.744.724.721.502.754.74
Other operating income53.6445.2547.9447.948.2618.7228.93
Operating income1,266.701,268.131,375.271,375.27331.46677.411,058.73
Staff costs478.32457.30455.22455.22110.90231.27340.40
Other administrative expenses314.77311.54321.52321.5297.00168.80242.80
Depreciation and amortization30.6130.9728.9028.907.1914.6122.05
Other operating expenses29.4245.4859.9259.9216.5923.5030.10
Operating expenses853.12845.29865.55865.55231.68438.19635.36
Operating profit413.58422.84509.72509.7299.78239.22423.37
Expected annual operating profit414.27425.35513.06513.06396.88460.22542.95
Expected risk provisions for lending2 70.82109.0511.5611.5683.2165.8667.11
Expected risk provisions for securities and participations2−25.694.23−1.56−1.56−49.53−29.5150.18
Expected profit or loss on ordinary activities369.14312.07503.06503.06363.21423.87425.66
Expected extraordinary income/loss44.15−23.64−49.62−49.62−13.16−13.0332.40
Expected tax on profit or loss and other taxes117.3879.80124.35124.3592.43107.61110.00
Expected profit or loss for the year after tax295.91208.64329.09329.09257.62303.24348.06
Average total assets353,587.3058,196.1162,437.1562,437.1565,185.0666,127.9166,645.22
               
               
               
Burgenland       
Interest receivable and similar income179.85158.03156.84156.8439.7584.02137.32
Interest payable and similar charges27.6514.707.667.662.344.0012.71
Net interest income152.20143.33149.17149.1737.4180.02124.61
Income from securities and
participations
24.3512.9824.3124.311.692.446.81
Net commissions income65.6760.6970.6170.6118.4136.2154.05
Net profit or loss on financial operations0.007.059.009.001.382.352.37
Other operating income12.6214.6919.3319.334.238.1612.28
Operating income254.84238.74272.42272.4263.13129.18200.12
Staff costs96.5387.8188.7988.7923.7246.8470.25
Other administrative expenses58.5853.1960.6460.6415.8532.3048.90
Depreciation and amortization4.754.644.944.941.402.864.22
Other operating expenses7.7011.1813.0713.074.7610.2313.58
Operating expenses167.56156.82167.44167.4445.7492.23136.95
Operating profit87.2881.92104.98104.9817.3936.9563.17
Expected annual operating profit87.2881.92104.98104.9862.6271.3091.98
Expected risk provisions for lending2 1.26−4.9031.9331.93−53.82−50.45−41.10
Expected risk provisions for securities and participations2−2.1214.57−15.33−15.3355.0557.8353.65
Expected profit or loss on ordinary activities88.1572.2588.3888.3861.3863.9279.43
Expected extraordinary income/loss0.000.950.000.000.000.000.00
Expected tax on profit or loss and other taxes21.2223.2219.8419.8432.9733.7733.01
Expected profit or loss for the year after tax66.9349.9868.5468.5428.4230.1546.42
Average total assets312,296.1312,587.0613,708.4313,708.4313,999.4514,151.1814,226.52
               
               
               
Upper Austria       
Interest receivable and similar income1,795.291,709.551,656.201,656.20424.14871.271,390.58
Interest payable and similar charges529.65407.40286.24286.2469.47143.17292.41
Net interest income1,265.651,302.151,369.961,369.96354.67728.111,098.17
Income from securities and
participations
304.67225.63268.94268.9467.29151.90210.36
Net commissions income685.70725.89843.60843.60206.48391.26569.73
Net profit or loss on financial operations21.5513.1230.7630.763.912.325.62
Other operating income132.05142.79160.04160.0439.5794.80128.68
Operating income2,409.622,409.562,673.302,673.30671.911,368.382,012.56
Staff costs830.81825.16859.04859.04192.10418.73628.50
Other administrative expenses549.45534.00583.24583.24156.39274.49438.93
Depreciation and amortization50.2062.1960.9760.9715.2730.7344.17
Other operating expenses133.28144.03177.49177.4938.6991.34102.53
Operating expenses1,563.741,565.381,680.741,680.74402.44815.281,214.13
Operating profit845.88844.18992.56992.56269.47553.10798.43
Expected annual operating profit844.74842.66997.63997.63960.171,028.001,116.55
Expected risk provisions for lending2 90.82230.7156.5556.55209.69195.19185.73
Expected risk provisions for securities and participations2−64.433.16−54.71−54.71100.20232.15155.39
Expected profit or loss on ordinary activities818.35608.79995.79995.79650.29600.66775.42
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 taxes185.39129.63237.12237.12155.58146.57224.23
Expected profit or loss for the year after tax620.62476.27743.94743.94494.40453.19550.65
Average total assets3111,998.41120,345.86134,112.32134,112.32138,195.02139,104.61140,092.27
               
               
               
Salzburg       
Interest receivable and similar income635.21609.32521.87521.87127.41259.62409.80
Interest payable and similar charges132.72109.3236.0036.006.4813.0032.55
Net interest income502.49500.00485.87485.87120.94246.62377.25
Income from securities and
participations
57.8039.5145.5545.5511.5835.6440.68
Net commissions income281.59298.90307.81307.8177.44151.85223.00
Net profit or loss on financial operations4.755.004.884.88−4.28−4.75−5.17
Other operating income1,136.591,187.761,130.451,130.45286.16578.46872.44
Operating income1,983.212,031.181,974.551,974.55491.841,007.821,508.20
Staff costs437.97423.76401.06401.0692.74188.17280.67
Other administrative expenses304.28308.38293.70293.7080.43158.19224.97
Depreciation and amortization647.41681.40699.90699.90178.80358.87539.77
Other operating expenses310.75317.56243.64243.6462.03101.51164.96
Operating expenses1,700.411,731.101,638.301,638.30413.99806.731,210.36
Operating profit282.81300.08336.25336.2577.85201.08297.84
Expected annual operating profit279.28308.73332.55332.55286.51332.03329.61
Expected risk provisions for lending2 10.50112.5322.4922.4951.6362.7528.00
Expected risk provisions for securities and participations28.205.5513.0313.038.2428.5634.00
Expected profit or loss on ordinary activities260.57190.66297.03297.03226.63240.72267.62
Expected extraordinary income/loss−0.601.45−0.30−0.300.00−0.05−0.10
Expected tax on profit or loss and other taxes52.6251.4971.7271.7258.3663.9471.38
Expected profit or loss for the year after tax207.36140.62225.02225.02168.27176.73196.14
Average total assets342,641.9444,822.5543,943.1343,943.1346,131.7146,597.7646,802.30
               
               
               
Tyrol       
Interest receivable and similar income847.07789.58761.58761.58190.22391.01625.71
Interest payable and similar charges196.59149.3281.5381.5321.2147.0699.63
Net interest income650.48640.26680.06680.06169.01343.95526.08
Income from securities and
participations
46.8026.4651.9851.986.4423.0329.42
Net commissions income309.27318.23347.36347.3694.88186.10275.71
Net profit or loss on financial operations7.527.629.169.163.745.918.35
Other operating income65.2478.2965.3465.3413.0627.3244.84
Operating income1,079.311,070.861,153.901,153.90287.12586.32884.40
Staff costs438.13418.25412.72412.72100.42182.90293.51
Other administrative expenses267.23261.62273.11273.1176.43146.01213.86
Depreciation and amortization33.8434.6435.6035.608.3416.8625.37
Other operating expenses53.6561.9464.6164.6117.5628.4437.72
Operating expenses792.85776.45786.05786.05202.75374.21570.47
Operating profit286.47294.41367.86367.8684.37212.11313.93
Expected annual operating profit286.60294.17367.22367.22308.71349.91400.73
Expected risk provisions for lending2 13.85133.5467.2867.2865.2263.9451.76
Expected risk provisions for securities and participations2−6.771.01−8.00−8.0016.8632.6852.76
Expected profit or loss on ordinary activities279.53159.62307.94307.94226.63253.29296.21
Expected extraordinary income/loss−2.80−2.50−8.85−8.853.033.113.94
Expected tax on profit or loss and other taxes76.6248.8777.2077.2064.8370.2082.37
Expected profit or loss for the year after tax200.11108.25221.89221.89164.83186.21217.79
Average total assets354,118.6958,523.3862,552.8562,552.8565,513.9265,852.9666,600.16
               
               
               
Vorarlberg       
Interest receivable and similar income485.55474.74446.23446.23106.18223.51361.11
Interest payable and similar charges70.9045.453.433.43−4.36−10.8010.60
Net interest income414.65429.28442.80442.80110.54234.31350.51
Income from securities and
participations
35.0112.4345.9445.942.899.7716.79
Net commissions income156.04164.79174.42174.4239.5782.39121.82
Net profit or loss on financial operations10.0812.597.627.621.755.718.64
Other operating income31.8038.4250.1250.125.9516.2123.91
Operating income647.58657.52720.91720.91160.70348.39521.67
Staff costs229.25233.25236.02236.0258.27116.06174.71
Other administrative expenses151.36144.42152.21152.2140.2977.05113.32
Depreciation and amortization14.8415.8315.9015.903.868.0111.78
Other operating expenses26.3632.6836.9736.977.8918.3524.45
Operating expenses421.81426.18441.09441.09110.31219.47324.25
Operating profit225.77231.33279.82279.8250.39128.91197.42
Expected annual operating profit222.37228.74288.16288.16201.71231.02259.28
Expected risk provisions for lending2 14.2886.6829.2929.2957.4054.0756.90
Expected risk provisions for securities and participations2−48.703.00−15.81−15.8110.8819.3429.13
Expected profit or loss on ordinary activities256.79139.06274.68274.68133.43157.60173.25
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 taxes47.8034.4658.9958.9933.8039.8943.03
Expected profit or loss for the year after tax194.40104.01200.96200.9696.23114.02126.22
Average total assets336,218.8238,332.3440,563.4940,563.4941,918.1742,520.8042,881.95
               
               
               
Styria       
Interest receivable and similar income800.17780.91729.96729.96181.57376.70610.78
Interest payable and similar charges97.8469.1637.3737.374.448.9433.78
Net interest income702.34711.75692.59692.59177.13367.76577.01
Income from securities and
participations
97.2127.9796.2696.2612.1946.28105.66
Net commissions income391.61403.96420.36420.36103.92207.14312.21
Net profit or loss on financial operations9.2211.1511.3911.392.465.287.57
Other operating income134.05141.9282.3382.3317.8037.3055.66
Operating income1,334.431,296.751,302.931,302.93313.50663.761,058.11
Staff costs480.08460.21429.55429.5596.30191.46291.40
Other administrative expenses343.91332.08302.77302.7792.73162.37235.65
Depreciation and amortization28.1528.7228.2128.216.4913.1019.42
Other operating expenses36.9546.1857.5757.5716.5724.2734.91
Operating expenses889.10867.19818.10818.10212.08391.20581.38
Operating profit445.33429.56484.83484.83101.41272.55476.73
Expected annual operating profit444.97429.25482.90482.90443.78491.86639.89
Expected risk provisions for lending2 −18.03116.16−50.65−50.6547.463.03112.13
Expected risk provisions for securities and participations2−11.056.66−66.42−66.4267.35153.83130.52
Expected profit or loss on ordinary activities474.04306.44599.97599.97328.97335.00397.25
Expected extraordinary income/loss−11.1116.3283.5283.520.20−0.30−0.30
Expected tax on profit or loss and other taxes72.4044.0393.8193.8168.1795.1686.53
Expected profit or loss for the year after tax390.54278.73589.68589.68261.00239.54310.42
Average total assets352,091.2656,121.3557,117.8557,117.8558,400.4958,514.3558,547.20
               
               
               
Carinthia       
Interest receivable and similar income452.73438.72426.78426.78102.89209.86334.32
Interest payable and similar charges75.5968.4953.4753.4711.4020.9136.07
Net interest income377.14370.24373.30373.3091.49188.95298.25
Income from securities and
participations
39.7917.7635.9335.934.5613.0018.11
Net commissions income184.07193.26211.00211.0054.96107.61159.97
Net profit or loss on financial operations3.694.084.114.110.802.033.45
Other operating income39.5060.7143.6043.606.1915.8928.49
Operating income644.18646.05667.95667.95158.00327.48508.27
Staff costs277.08278.32266.33266.3363.68129.94194.84
Other administrative expenses165.52169.97176.03176.0349.4791.17133.11
Depreciation and amortization19.0221.3021.3621.365.2010.7816.31
Other operating expenses14.3822.5731.0631.067.5714.9719.75
Operating expenses476.01492.16494.78494.78125.92246.85364.01
Operating profit168.18153.88173.16173.1632.0880.63144.26
Expected annual operating profit169.76153.37175.82175.82163.05187.72209.56
Expected risk provisions for lending2 23.7758.7727.8727.8739.5536.3241.45
Expected risk provisions for securities and participations2−10.68−6.83−15.86−15.862.4710.3213.73
Expected profit or loss on ordinary activities156.67101.44163.82163.82121.03141.07154.39
Expected extraordinary income/loss−9.582.81−0.32−0.320.801.041.16
Expected tax on profit or loss and other taxes31.3222.5631.1931.1927.1331.6629.01
Expected profit or loss for the year after tax115.7881.69132.30132.3094.70110.45126.53
Average total assets326,288.8127,646.2530,004.3630,004.3631,206.3731,264.4831,248.47
 


last update on 25.11.2022 15:54

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