DATA - Aggregated Income and Financial Statement of Austrian banking groups and individual credit institutions<sup>1</sup>

Aggregated Income and Financial Statement of Austrian banking groups and individual credit institutions¹
End of period	2023	2024	2025	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25

	EUR million

Selected balance sheet items
Assets
Cash and cash balances at central banks	151,788.82	136,286.05	134,411.21	136,286.05	135,334.21	136,146.30	127,999.55	134,411.21
Loans and advances	819,193.92	858,199.72	880,874.72	858,199.72	863,496.66	868,335.01	880,448.87	880,874.72
Debt securities	163,555.17	186,263.92	206,385.74	186,263.92	197,957.67	200,056.16	203,330.89	206,385.74
Equity instruments	9,511.07	10,023.61	10,614.95	10,023.61	10,089.51	10,155.66	10,300.23	10,614.95
Tangible assets	12,812.76	13,688.90	15,202.70	13,688.90	14,391.93	14,741.10	14,302.18	15,202.70
Intangible assets	3,129.26	3,262.36	3,391.30	3,262.36	3,248.96	3,244.01	3,270.43	3,391.30
Investments in subsidaries, which are not fully or proportionally consolidated	25,155.29	26,417.85	29,030.01	26,417.85	26,485.74	27,221.16	27,513.93	29,030.01
Other assets	30,389.38	30,395.52	28,148.68	30,395.52	29,599.43	29,618.91	28,488.38	28,148.68



Liabilities
Deposits of central banks	24,743.15	3,811.99	2,380.04	3,811.99	4,209.16	4,313.45	4,087.01	2,380.04
Deposits of credit institutions²	112,620.66	121,735.64	111,256.84	121,735.64	124,829.67	121,401.85	124,854.85	111,256.84
Deposits of non-banks	716,722.63	751,024.62	791,468.10	751,024.62	756,055.82	763,992.38	764,609.18	791,468.10
Debt securities issued³	195,480.28	215,976.83	222,296.48	215,976.83	217,627.55	219,922.62	222,090.96	222,296.48
Provisions	11,995.39	13,728.09	12,803.06	13,728.09	11,836.88	12,674.15	12,514.95	12,803.06
Equity and minority interest	117,506.99	124,343.99	135,722.09	124,343.99	127,615.14	128,861.70	132,114.55	135,722.09
Other liabilities⁴	36,466.57	33,916.76	32,132.69	33,916.76	38,429.89	38,352.17	35,382.95	32,132.69
Total Assets/Liabilities	1,215,535.67	1,264,537.92	1,308,059.31	1,264,537.92	1,280,604.10	1,289,518.32	1,295,654.46	1,308,059.31



Selected profit and loss items
Net interest income	25,464.60	25,918.96	25,702.03	25,918.96	6,353.82	12,738.67	19,136.24	25,702.03
Net fee and comission income	9,562.07	9,698.84	10,264.71	9,698.84	2,553.44	5,031.43	7,565.48	10,264.71
Expenses on share capital repayable on demand	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend income	673.04	795.60	850.54	795.60	93.84	422.09	510.15	850.54
Trading and other valuation gains/losses	228.67	347.27	543.56	347.27	132.34	369.31	463.58	543.56
Other operating gains/losses	1,083.19	617.61	−214.43	617.61	192.38	−779.26	−473.03	−214.43
Operating income, net	37,011.56	37,378.27	37,146.42	37,378.27	9,325.82	17,782.25	27,202.42	37,146.42
Administrative and other expenses	16,928.87	17,165.50	18,505.77	17,165.50	4,501.35	9,038.63	13,423.40	18,505.77
Depreciation and impairment of physical and intangible assets	1,213.55	1,485.59	1,216.83	1,485.59	1,092.83	821.93	1,447.20	1,216.83
Operating gains/losses	18,869.15	18,727.18	17,423.82	18,727.18	3,731.65	7,921.69	12,331.82	17,423.82
Impairment/Reversal of impairment and provisions for credit risk	2,954.23	2,755.62	2,470.62	2,755.62	370.12	850.61	1,557.76	2,470.62
Other provisions	935.95	1,471.25	446.35	1,471.25	65.18	214.13	215.06	446.35
Profit or Loss from investments in subsidaries, which are not fully or proportionally consolidated	2,062.35	1,476.06	1,794.51	1,476.06	478.43	517.66	1,156.47	1,794.51
Profit or Loss from assets classified as held for sale not qualifying as discontinued operations	1.58	−5.88	49.20	−5.88	−1.29	0.41	6.13	49.20
Other gains/losses	−52.85	−2.38	−43.56	−2.38	−10.43	−28.07	−33.20	−43.56
Profit or Loss before tax and minority interest	16,990.04	15,968.12	16,307.00	15,968.12	3,763.05	7,346.96	11,688.41	16,307.00
Tax expenses related to profit or loss	3,303.44	3,476.60	3,503.86	3,476.60	868.86	1,817.01	2,703.61	3,503.86
Extraordinary profit or loss	80.73	26.29	25.78	26.29	4.06	8.84	16.96	25.78
Profit or Loss after tax from discontinued operations	0.00	−673.23	0.00	−673.23	0.00	0.00	0.00	0.00
Attributable to minority interest	1,161.71	1,051.60	1,056.79	1,051.60	256.39	505.87	791.78	1,056.79
Profit or Loss after tax and minority interest	12,605.62	10,792.98	11,772.13	10,792.98	2,641.86	5,032.93	8,209.99	11,772.13

Source: OeNB.

Corporations, which are credit institutions merely under national law (but not CRR), e.g. investment companies, real estate funds and severance funds, are not included since the first quarter of 2021.
¹ Aggregation of data reported by consolidated banking groups and by unconsolidated individual credit institutions while taking account of regulatory intragroup links. The methodology and/or name of the positions in this table may have been different for previous reporting periods.
² In this item, subordinated deposits are excluded before December 2017, but since the first quarter of 2018 this item also includes subordinated deposits.
³ In this item, subordinated debt securities issued are excluded before December 2017, but since the first quarter of 2018 this item also includes subordinated debt securities issued.
⁴ In this item, subordinated deposits and subordinated debt securities issued are included until December 2017, but since the first quarter of 2018 this item excludes subordinated deposits and subordinated debt securities issued