DATA - Instruments subject to credit risk in accordance with GCR<sup>1</sup> and FinStab<sup>2</sup>

Instruments subject to credit risk in accordance with GCR¹ and FinStab² Savings banks
	2023	Q4 23	Q1 24	Q2 24

	EUR million

GCR - Domestic debtors according to Austrian Statistical Classification of Economic Activities (ÖNACE 2008)
A - Agriculture, forestry and fishing	478.44	478.44	486.42	486.52
B - Mining and quarrying	x	x	x	x
C - Manufacturing	9,628.40	9,628.40	9,188.12	8,997.91
D - Electricity, gas steam and air conditioning supply	2,507.10	2,507.10	2,224.45	2,282.23
E - Water supply; sewerage, waste management and remediation action	648.50	648.50	652.73	612.71
F - Construction	7,352.18	7,352.18	7,414.56	7,412.93
G - Wholesale and retail trade; repair of motor vehicles and motorcycles	6,569.00	6,569.00	6,521.49	6,476.21
H - Transportation and storage	2,926.58	2,926.58	2,525.86	2,537.49
I - Accommodation and food service activities	3,150.70	3,150.70	3,144.14	3,218.98
J - Information and communication	583.40	583.40	732.08	822.09
K - Financial and insurance activities	97,783.74	97,783.74	89,355.21	85,775.57
L - Real estate activities	26,101.74	26,101.74	26,286.35	26,739.63
M - Professional, scientific and technical activities	11,118.45	11,118.45	10,414.50	10,899.18
N - Administrative and support service activities	4,167.57	4,167.57	4,206.30	4,292.38
O - Public administration and defence; compulsory social security	7,647.36	7,647.36	8,608.89	9,118.45
P - Education	93.11	93.11	90.69	83.93
Q - Human health and social work acitivies	800.03	800.03	768.60	793.68
R - Art, entertainment and recreation	299.59	299.59	304.09	279.53
S - Other service activities	648.48	648.48	688.44	685.20
T - Activities of households	13,823.58	13,823.58	13,645.39	13,753.96
U - Activities of extraterritorial organisations and bodies	x	x	x	x
GCR - Other domestic debtors (not classified according to ÖNACE 2008)	776.17	776.17	761.37	762.24
GCR - Debtors resident in euro area countries excluding Austria	27,259.67	27,259.67	28,664.57	30,075.71
GCR - Other nonresident debtors	38,991.26	38,991.26	x	x
"Delta report (vis-à-vis GCR)" according to FinStab – legal entities³	212.09	212.09	216.18	218.39
"Delta report (vis-à-vis GCR)" according to FinStab – natural persons	30,547.97	30,547.97	30,431.34	30,470.32
Total instruments subject to credit risk	294,233.08	294,233.08	293,577.17	293,524.39

Source: OeNB.

Note: - Granular credit data reporting (GCR) captures the following types of credit risk-related instruments: deposits, reverse repurchase agreements, trade receivables, revolving credit, overdrafts, credit card debt, credit lines other than revolving loans, finance leases, other loans, bonds including credit linked notes (CLNs), other securities, securitization tranches, forward deposit transactions, other commitments and financial guarantees excluding credit derivatives. - Depending on the reporting requirements and the type of instrument, the GCR engagement is aggregated for the reporting agents (CRR credit institutions, CRR financial institutions) based on the outstanding nominal amount, the off-balance-sheet amount, the gross carrying amount before netting, and the nominal value. - Data reported according to FinStab, i.e. the "delta report" vis-à-vis GCR data, are only available for CRR credit institutions as well as special purpose banks.
¹ In accordance with Article 75 Federal Banking Act (BWG), granular credit data reporting (GCR) deals with the collection of credit and credit risk data and is based on the GKE-V.
² Regulation on the collection of data on credit and country risks, residual maturity and foreign currency loans as well as of financial data on foreign banking subsidiaries – or FinStab for short, which is reported as a so-called "Delta-Report" to the GCR. On the debtor side, there is only a differentiation between legal entities and natural persons, so that a breakdown into ÖNACE 2008-sections is not possible for this database.
³ Definition pursuant to Article 1(5) of the AnaCredit Regulation.