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 24	Q1 25	Q2 25	Q3 25	Q4 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	2,144.21	2,428.54	2,935.82	1,495.77	2,065.79
Loans and advances	60,794.35	60,759.87	61,290.80	61,613.19	62,597.84
Debt securities	5,025.53	5,172.66	5,227.10	5,222.05	5,170.30
Equity instruments	798.78	868.48	908.50	963.20	1,037.32
Tangible assets	501.42	504.82	534.76	522.12	594.52
Intangible assets	1.47	1.53	1.65	1.72	1.86
Investments in subsidaries, which are not fully or proportionally consolidated	1,099.47	1,103.62	1,110.03	1,111.21	1,114.35
Other assets	557.16	460.84	468.13	518.13	563.12
Total assets/liabilities	70,922.39	71,300.36	72,476.77	71,447.38	73,145.08



Liabilities
Deposits of central banks	0.00	0.00	0.00	0.00	0.00
Deposits of credit institutions	3,701.79	3,665.55	3,721.21	4,004.89	3,513.44
Deposits of non-banks	50,573.33	50,358.00	51,445.16	50,634.60	52,298.80
Debt securities issued	9,285.25	9,738.54	9,596.11	9,058.65	9,530.66
Provisions	349.45	347.22	334.88	318.17	313.23
Equity and minority interest	6,571.12	6,663.16	6,864.10	6,952.00	7,078.81
Other liabilities	441.46	527.88	515.31	479.07	410.15
Total assets/liabilities	70,922.39	71,300.36	72,476.77	71,447.38	73,145.08



Selected profit and loss items
Net interest income	1,568.33	336.16	673.84	1,017.27	1,367.36
of which: interest income	2,815.91	602.68	1,178.38	1,732.57	2,280.28
of which: interest expenses	1,247.58	266.52	504.53	715.30	912.92
Dividend income	71.69	1.78	76.39	71.10	73.73
Net fee and comission income	435.52	104.44	204.29	309.60	433.67
of which: fee and comission income	487.23	116.71	232.65	351.71	492.35
of which: fee and comission expenses	51.71	12.27	28.36	42.12	58.68
Trading and other valuation gains/losses	5.76	2.68	2.95	11.72	17.68
Other operating income	34.62	6.36	18.53	25.34	37.75
Other operating expenses	73.14	1.71	3.80	5.71	13.96
Operating income, net	2,042.76	449.72	972.19	1,429.30	1,916.23
Administrative and other expenses	932.91	224.82	464.51	683.60	971.39
of which: staff expenses	549.38	129.97	279.52	410.79	564.80
Depreciation and impairment of physical and intangible assets	33.56	9.01	18.76	28.21	39.39
Operating gains/losses	1,076.29	215.89	488.92	717.49	905.46
Impairment/Reversal of impairment and provisions for credit risk	537.18	108.88	194.17	363.49	563.59
Other gains/losses	19.94	−2.93	−4.82	−4.97	−4.06
Profit or loss before tax and minority interest	559.05	104.08	289.93	349.04	337.81
Tax expenses related to profit or loss	124.33	40.37	80.74	120.73	133.52
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	17.03	0.00	0.01	27.16	32.61
Profit or Loss after tax and minority interest	451.76	63.71	209.20	255.47	236.90

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).