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

Income and Financial Statement of Austrian bank¹ Savings banks
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	16,172.91	17,042.99	14,122.61	17,331.30	15,640.37
Loans and advances	157,121.14	156,555.51	156,931.35	155,647.66	156,232.95
Debt securities	33,369.38	38,998.92	40,311.85	38,730.33	36,894.63
Equity instruments	2,731.31	3,030.62	3,148.50	3,304.36	3,713.75
Tangible assets	1,043.54	1,071.46	1,084.07	1,098.63	1,124.65
Intangible assets	56.22	54.12	51.38	50.45	47.92
Investments in subsidaries, which are not fully or proportionally consolidated	15,107.90	15,981.79	16,598.33	16,325.59	15,761.71
Other assets	2,391.21	2,502.52	2,394.31	2,567.64	2,364.56
Total assets/liabilities	227,993.61	235,237.95	234,642.40	235,055.96	231,780.53



Liabilities
Deposits of central banks	1,260.18	1,961.25	1,809.95	1,453.16	1,777.04
Deposits of credit institutions	37,563.30	41,276.58	36,208.23	36,048.96	33,471.64
Deposits of non-banks	117,059.95	117,685.61	119,123.25	116,558.19	115,584.14
Debt securities issued	38,347.94	39,315.91	41,396.80	42,172.91	42,104.26
Provisions	1,088.29	1,083.91	1,082.81	1,064.73	1,042.06
Equity and minority interest	28,036.73	29,190.16	29,975.10	32,069.99	32,004.23
Other liabilities	4,637.22	4,724.53	5,046.27	5,688.03	5,797.16
Total assets/liabilities	227,993.61	235,237.95	234,642.40	235,055.96	231,780.53



Selected profit and loss items
Net interest income	2,338.75	3,146.42	735.63	1,506.50	2,302.22
of which: interest income	10,065.21	13,072.89	2,810.17	5,499.64	8,028.48
of which: interest expenses	7,726.47	9,926.47	2,074.54	3,993.14	5,726.25
Dividend income	2,235.72	2,277.29	322.23	2,806.61	2,844.49
Net fee and comission income	984.83	1,332.24	383.59	689.39	1,059.65
of which: fee and comission income	1,242.67	1,684.30	474.92	887.31	1,354.10
of which: fee and comission expenses	257.84	352.06	91.34	197.92	294.45
Trading and other valuation gains/losses	−3.98	−15.78	−47.26	−39.92	−64.38
Other operating income	156.73	223.97	48.79	107.08	159.08
Other operating expenses	111.15	135.19	9.22	19.00	29.68
Operating income, net	5,600.89	6,828.96	1,433.76	5,050.66	6,271.38
Administrative and other expenses	1,841.53	2,555.34	655.51	1,348.37	2,007.15
of which: staff expenses	1,026.67	1,423.17	346.96	707.27	1,062.48
Depreciation and impairment of physical and intangible assets	67.40	−538.33	−9.67	−114.22	−89.16
Operating gains/losses	3,691.96	4,811.95	787.92	3,816.51	4,353.39
Impairment/Reversal of impairment and provisions for credit risk	213.52	382.62	47.07	146.04	223.43
Other gains/losses	173.17	203.77	16.50	64.25	117.32
Profit or loss before tax and minority interest	3,651.60	4,633.09	757.36	3,734.72	4,247.28
Tax expenses related to profit or loss	338.17	395.04	91.70	189.84	279.31
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	3,313.43	4,238.05	665.65	3,544.88	3,967.97

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.