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	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	2,101.92	2,144.21	2,428.54	2,935.82	1,495.77
Loans and advances	59,294.92	60,794.35	60,759.87	61,290.80	61,613.19
Debt securities	5,103.95	5,025.53	5,172.66	5,227.10	5,222.05
Equity instruments	750.29	798.78	868.48	908.50	963.20
Tangible assets	494.83	501.42	504.82	534.76	522.12
Intangible assets	1.24	1.47	1.53	1.65	1.72
Investments in subsidaries, which are not fully or proportionally consolidated	1,079.60	1,099.47	1,103.62	1,110.03	1,111.21
Other assets	445.83	557.16	460.84	468.13	518.13
Total assets/liabilities	69,272.58	70,922.39	71,300.36	72,476.77	71,447.38



Liabilities
Deposits of central banks	0.00	0.00	0.00	0.00	0.00
Deposits of credit institutions	4,047.13	3,701.79	3,665.55	3,721.21	4,004.89
Deposits of non-banks	48,563.95	50,573.33	50,358.00	51,445.16	50,634.60
Debt securities issued	9,344.80	9,285.25	9,738.54	9,596.11	9,058.65
Provisions	299.40	349.45	347.22	334.88	318.17
Equity and minority interest	6,518.81	6,571.12	6,663.16	6,864.10	6,952.00
Other liabilities	498.49	441.46	527.88	515.31	479.07
Total assets/liabilities	69,272.58	70,922.39	71,300.36	72,476.77	71,447.38



Selected profit and loss items
Net interest income	1,190.61	1,568.33	336.16	673.84	1,017.27
of which: interest income	2,145.05	2,815.91	602.68	1,178.38	1,732.57
of which: interest expenses	954.44	1,247.58	266.52	504.53	715.30
Dividend income	67.20	71.69	1.78	76.39	71.10
Net fee and comission income	289.53	435.52	104.44	204.29	309.60
of which: fee and comission income	326.43	487.23	116.71	232.65	351.71
of which: fee and comission expenses	36.90	51.71	12.27	28.36	42.12
Trading and other valuation gains/losses	11.82	5.76	2.68	2.95	11.72
Other operating income	19.74	34.62	6.36	18.53	25.34
Other operating expenses	28.90	73.14	1.71	3.80	5.71
Operating income, net	1,550.00	2,042.76	449.72	972.19	1,429.30
Administrative and other expenses	639.72	932.91	224.82	464.51	683.60
of which: staff expenses	389.61	549.38	129.97	279.52	410.79
Depreciation and impairment of physical and intangible assets	26.67	33.56	9.01	18.76	28.21
Operating gains/losses	883.61	1,076.29	215.89	488.92	717.49
Impairment/Reversal of impairment and provisions for credit risk	311.88	537.18	108.88	194.17	363.49
Other gains/losses	−1.80	19.94	−2.93	−4.82	−4.97
Profit or loss before tax and minority interest	569.94	559.05	104.08	289.93	349.04
Tax expenses related to profit or loss	109.00	124.33	40.37	80.74	120.73
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.01	17.03	0.00	0.01	27.16
Profit or Loss after tax and minority interest	460.94	451.76	63.71	209.20	255.47

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).