DATA - Income and Financial Statement of Austrian bank<sup>1</sup>

Income and Financial Statement of Austrian bank¹ Broken Down by region² - Lower Austria
End of period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	1,437.34	2,275.57	2,687.19	2,101.92	2,144.26
Loans and advances	58,791.72	58,921.83	59,052.13	59,294.92	60,825.68
Debt securities	4,999.33	5,081.05	5,098.15	5,103.95	5,024.23
Equity instruments	669.61	701.19	719.32	750.29	799.12
Tangible assets	476.55	476.86	482.07	494.83	502.43
Intangible assets	0.97	1.01	1.17	1.24	1.47
Investments in subsidaries, which are not fully or proportionally consolidated	1,074.81	1,075.17	1,078.95	1,079.60	1,099.37
Other assets	448.23	542.70	435.59	445.83	540.27
Total assets/liabilities	67,898.56	69,075.38	69,554.56	69,272.58	70,936.82



Liabilities
Deposits of central banks	389.56	191.91	x	0.00	0.00
Deposits of credit institutions	4,823.91	4,590.90	4,302.72	4,047.13	3,701.77
Deposits of non-banks	46,997.49	47,797.65	48,651.77	48,563.95	50,572.58
Debt securities issued	8,836.16	9,385.69	9,358.40	9,344.80	9,285.25
Provisions	382.58	377.38	386.30	299.40	322.67
Equity and minority interest	6,017.06	6,150.73	6,354.98	6,518.81	6,595.85
Other liabilities	451.79	581.11	x	498.49	458.70
Total assets/liabilities	67,898.56	69,075.38	69,554.56	69,272.58	70,936.82



Selected profit and loss items
Net interest income	1,683.47	402.03	800.36	1,190.61	1,568.45
of which: interest income	2,518.94	712.82	1,436.93	2,145.05	2,816.95
of which: interest expenses	835.46	310.78	636.57	954.44	1,248.50
Dividend income	52.68	0.17	66.46	67.20	71.74
Net fee and comission income	395.55	95.11	192.58	289.53	400.87
of which: fee and comission income	442.27	107.08	217.52	326.43	451.61
of which: fee and comission expenses	46.72	11.97	24.94	36.90	50.74
Trading and other valuation gains/losses	23.94	−64.81	−105.41	11.82	4.75
Other operating income	56.03	5.97	12.60	19.74	31.14
Other operating expenses	53.76	2.39	17.76	28.90	65.34
Operating income, net	2,157.91	436.08	948.83	1,550.00	2,011.62
Administrative and other expenses	874.55	211.54	432.15	639.72	918.58
of which: staff expenses	509.47	120.06	261.21	389.61	543.69
Depreciation and impairment of physical and intangible assets	38.73	9.26	19.00	26.67	34.11
Operating gains/losses	1,244.64	215.28	497.68	883.61	1,058.93
Impairment/Reversal of impairment and provisions for credit risk	472.52	36.84	78.01	311.88	489.23
Other gains/losses	−12.68	−0.92	−1.34	−1.80	21.86
Profit or loss before tax and minority interest	759.44	177.52	418.34	569.94	591.56
Tax expenses related to profit or loss	180.39	39.20	74.61	109.00	142.88
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−10.89	0.00	0.01	0.01	5.51
Profit or Loss after tax and minority interest	568.17	138.32	343.73	460.94	454.19

Source: OeNB.

¹ All banks operating in Austria pursuant to Article 1 para. 1 and Article 9 Austrian Banking Act excluding banks operating only pursuant to Article 1 para. 1 no. 13, 13a or 21.
² 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).