DATA - Aggregated own funds and own funds requirements of Austrian banking groups and individual credit institutions<sup>1</sup>

Aggregated own funds and own funds requirements of Austrian banking groups and individual credit institutions¹
End of period	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25

	EUR million

Own funds	115,285.91	115,000.66	118,589.99	119,372.28	124,881.61
Tier 1 capital	104,212.41	103,511.50	106,350.09	106,608.08	112,418.65
Common equity tier 1 capital	98,489.54	97,581.66	100,277.47	100,689.26	105,532.73
Additional tier 1 capital	5,722.87	5,929.84	6,072.62	5,918.82	6,885.92
Tier 2 capital	11,073.50	11,489.15	12,239.90	12,764.20	12,462.96



Total risk exposure amount	556,103.38	558,281.07	561,283.71	566,144.37	568,920.47
Floor adjustment³	x	x	x	0.00	0.00
Total risk exposure amount pre-floor³	x	x	x	566,144.37	568,920.47
Risk weighted exposure amounts for credit, counterparty credit and dilution risks and free deliveries	473,390.81	476,462.05	474,924.35	477,459.79	481,030.21
Total risk exposure amount for settlement/delivery	22.89	21.56	18.78	23.61	27.77
Total risk exposure amount for the business subject to market risk⁴	18,768.69	18,455.57	17,222.37	17,839.33	17,085.01
Total risk exposure amount for operational risk	58,285.75	57,851.94	62,486.70	68,342.37	68,316.11
Additional risk exposure amount due to fixed overheads²	0.00	0.00	0.00	0.00	0.00
Total risk exposure amount for credit valuation adjustment	1,295.03	1,285.46	1,225.69	1,621.63	1,595.56
Total risk exposure amount related to large exposures in the trading book	0.00	0.00	0.00	0.00	0.00
Other risk exposure amounts	4,340.21	4,204.48	5,405.82	857.63	865.81



Common equity tier 1 capital ratio (CET1)	17.71	17.48	17.87	17.79	18.55
Tier 1 capital ratio (T1)	18.74	18.54	18.95	18.83	19.76
Total capital ratio	20.73	20.60	21.13	21.09	21.95

Source: OeNB.

With the entry into force of CRR III on January 1, 2025, changes were made to the methodology used to calculate the total risk exposure amounts presented. These include, among others, adjustments to risk weights under the standardized approach for credit risk, changes to minimum probabilities of default and loss given default under the internal ratings-based approach for credit risk, the introduction of the output floor (minimum capital requirement), and a new approach to operational risk.
¹ Aggregation of data reported by consolidated banking groups and by unconsolidated individual credit institutions while taking account of regulatory intragroup links.
² Risk exposure amount of regulatory consolidated investment firms
³ Data available since March 2025.
⁴ This item was named "Total risk exposure amount for position, foreign exchange and commodities risks" until December 2024.