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

Income and Financial Statement of Austrian bank¹ State mortgage banks
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	3,820.64	3,659.80	4,764.99	3,029.51	3,545.63
Loans and advances	40,988.16	41,065.47	41,127.10	42,129.27	41,811.60
Debt securities	7,542.13	7,892.32	7,946.21	8,062.87	7,998.67
Equity instruments	112.94	113.35	112.54	112.91	109.83
Tangible assets	117.51	131.08	134.77	132.87	132.78
Intangible assets	27.13	27.55	24.97	28.47	33.98
Investments in subsidaries, which are not fully or proportionally consolidated	690.29	690.30	697.57	698.55	695.07
Other assets	628.44	507.33	500.42	537.18	559.31
Total assets/liabilities	53,927.24	54,087.20	55,308.57	54,731.63	54,886.86



Liabilities
Deposits of central banks	56.82	159.51	389.31	159.74	x
Deposits of credit institutions	3,335.51	3,041.29	2,713.84	3,503.58	3,042.56
Deposits of non-banks	19,383.59	19,707.74	20,508.61	19,898.14	20,197.22
Debt securities issued	26,438.09	26,284.63	26,767.15	26,300.67	26,752.28
Provisions	260.17	260.44	244.46	230.01	237.50
Equity and minority interest	4,004.16	4,066.04	4,028.58	4,069.58	4,048.17
Other liabilities	448.89	567.55	656.63	569.91	x
Total assets/liabilities	53,927.24	54,087.20	55,308.57	54,731.63	54,886.86



Selected profit and loss items
Net interest income	785.79	166.50	336.95	495.20	693.03
of which: interest income	2,047.84	440.16	900.14	1,284.36	1,645.35
of which: interest expenses	1,262.05	273.66	563.19	789.16	952.32
Dividend income	38.49	1.01	6.14	27.78	46.98
Net fee and comission income	140.18	38.22	72.43	107.66	138.46
of which: fee and comission income	177.90	47.99	91.53	135.71	185.99
of which: fee and comission expenses	37.72	9.77	19.10	28.05	47.53
Trading and other valuation gains/losses	9.41	2.71	8.53	13.46	13.34
Other operating income	26.82	3.64	20.31	27.09	44.37
Other operating expenses	20.99	1.81	7.73	10.66	20.21
Operating income, net	979.70	210.27	436.64	660.53	915.97
Administrative and other expenses	497.19	120.76	251.81	374.14	518.43
of which: staff expenses	290.65	70.40	147.83	215.50	292.12
Depreciation and impairment of physical and intangible assets	0.74	3.22	7.52	11.38	19.56
Operating gains/losses	481.77	86.29	177.31	275.01	377.98
Impairment/Reversal of impairment and provisions for credit risk	267.08	27.74	68.59	105.34	179.61
Other gains/losses	−43.37	−2.22	−0.51	−1.83	−25.27
Profit or loss before tax and minority interest	171.32	56.34	108.21	167.84	173.10
Tax expenses related to profit or loss	75.56	6.45	38.41	57.04	78.49
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−16.05	0.00	10.88	10.88	10.88
Profit or Loss after tax and minority interest	79.72	49.89	80.67	121.68	105.49

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.