DATA - Income and Financial Statement of Austrian bank<sup>1</sup>

Income and Financial Statement of Austrian bank¹ Broken Down by region² - Upper 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	11,293.21	13,502.45	11,920.55	12,008.37	10,065.73
Loans and advances	108,589.55	108,678.57	109,361.95	110,196.53	111,006.83
Debt securities	10,575.06	10,970.56	11,092.01	11,398.85	11,424.59
Equity instruments	3,811.76	3,828.78	3,831.44	3,929.54	4,011.10
Tangible assets	865.48	879.18	886.33	929.75	955.93
Intangible assets	55.87	54.63	56.34	53.11	56.46
Investments in subsidaries, which are not fully or proportionally consolidated	5,384.86	5,400.85	5,390.69	5,383.47	5,386.21
Other assets	1,161.85	1,362.22	1,141.64	1,183.39	1,198.38
Total assets/liabilities	141,737.65	144,677.25	143,680.95	145,082.99	144,105.22



Liabilities
Deposits of central banks	446.54	115.21	232.47	277.82	267.06
Deposits of credit institutions	20,326.29	21,016.73	20,809.92	21,115.72	20,431.42
Deposits of non-banks	82,590.41	84,924.04	84,077.23	84,860.73	84,363.07
Debt securities issued	21,928.40	22,235.01	21,808.86	21,826.65	21,924.83
Provisions	987.32	1,080.63	1,071.54	1,049.55	1,002.97
Equity and minority interest	14,144.76	13,982.94	14,257.48	14,461.05	14,764.25
Other liabilities	1,313.93	1,322.68	1,423.46	1,491.48	1,351.63
Total assets/liabilities	141,737.65	144,677.25	143,680.95	145,082.99	144,105.22



Selected profit and loss items
Net interest income	1,828.03	2,412.50	540.46	1,088.74	1,626.67
of which: interest income	4,432.05	5,816.71	1,228.57	2,381.16	3,463.75
of which: interest expenses	2,604.02	3,404.21	688.11	1,292.42	1,837.07
Dividend income	115.63	320.09	10.06	97.50	136.23
Net fee and comission income	587.54	858.89	230.03	433.12	635.11
of which: fee and comission income	691.98	1,016.68	265.73	509.89	754.97
of which: fee and comission expenses	104.44	157.79	35.70	76.77	119.86
Trading and other valuation gains/losses	75.99	83.61	1.38	14.31	42.65
Other operating income	91.68	154.01	25.53	60.81	90.20
Other operating expenses	62.31	113.11	14.75	33.44	52.31
Operating income, net	2,636.56	3,715.99	792.71	1,661.03	2,478.54
Administrative and other expenses	1,204.21	1,816.04	424.79	872.59	1,288.54
of which: staff expenses	714.80	1,048.95	224.13	504.82	740.82
Depreciation and impairment of physical and intangible assets	26.91	77.50	9.86	16.05	25.41
Operating gains/losses	1,405.44	1,822.45	358.07	772.39	1,164.60
Impairment/Reversal of impairment and provisions for credit risk	140.62	604.20	11.85	78.57	172.30
Other gains/losses	6.13	24.04	−6.62	−5.71	−5.47
Profit or loss before tax and minority interest	1,270.95	1,242.29	339.60	688.11	986.82
Tax expenses related to profit or loss	105.57	270.77	46.73	95.44	134.61
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	0.00	0.00	0.00	0.00
Profit or Loss after tax and minority interest	1,165.37	971.52	292.87	592.67	852.22

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).