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

Income and Financial Statement of Austrian bank¹ Raiffeisen credit cooperatives
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	27,479.93	26,159.54	24,324.78	22,946.28	20,418.47
Loans and advances	251,460.72	251,844.75	253,335.22	252,265.48	249,538.35
Debt securities	42,416.21	44,038.61	47,131.17	48,554.71	47,777.41
Equity instruments	4,766.02	4,769.89	4,836.93	4,954.62	4,890.46
Tangible assets	2,365.03	2,393.19	2,430.87	2,516.95	2,575.10
Intangible assets	75.40	77.11	76.17	72.22	72.17
Investments in subsidaries, which are not fully or proportionally consolidated	23,647.32	23,163.31	23,198.56	23,377.88	23,392.68
Other assets	8,164.66	10,835.31	10,354.76	8,385.22	8,087.54
Total assets/liabilities	360,375.27	363,281.71	365,688.46	363,073.35	356,752.19



Liabilities
Deposits of central banks	1,934.23	556.53	1,147.33	1,012.00	930.93
Deposits of credit institutions	76,351.89	74,655.64	76,984.78	74,599.19	72,039.11
Deposits of non-banks	174,409.21	176,950.63	177,180.43	177,115.86	175,586.34
Debt securities issued	59,523.03	60,515.40	58,971.79	58,714.83	56,352.78
Provisions	2,736.66	3,474.58	3,454.15	3,559.01	3,478.30
Equity and minority interest	37,229.54	38,848.93	39,012.99	39,096.41	39,566.90
Other liabilities	8,190.72	8,280.00	8,937.01	8,976.06	8,797.83
Total assets/liabilities	360,375.27	363,281.71	365,688.46	363,073.35	356,752.19



Selected profit and loss items
Net interest income	4,109.93	5,413.85	1,170.48	2,357.62	3,534.29
of which: interest income	18,173.16	14,284.21	3,006.55	5,767.05	8,347.58
of which: interest expenses	14,063.22	8,870.36	1,836.07	3,409.43	4,813.30
Dividend income	434.86	2,884.68	159.01	482.72	532.47
Net fee and comission income	1,175.30	1,761.23	406.14	813.40	1,205.59
of which: fee and comission income	1,536.16	2,288.09	524.07	1,069.24	1,601.31
of which: fee and comission expenses	360.86	526.86	117.94	255.84	395.73
Trading and other valuation gains/losses	153.69	227.28	−2.25	86.75	105.38
Other operating income	484.51	759.76	145.45	322.04	463.24
Other operating expenses	702.31	1,145.53	132.36	349.74	473.41
Operating income, net	5,655.99	9,901.26	1,746.47	3,712.78	5,367.56
Administrative and other expenses	3,065.23	4,457.25	1,046.43	2,170.36	3,198.96
of which: staff expenses	1,768.16	2,488.10	600.82	1,284.90	1,884.14
Depreciation and impairment of physical and intangible assets	942.21	1,328.69	19.20	−0.42	48.12
Operating gains/losses	1,648.55	4,115.33	680.84	1,542.84	2,120.48
Impairment/Reversal of impairment and provisions for credit risk	552.05	1,468.61	143.27	373.46	677.07
Other gains/losses	89.25	83.29	31.21	64.40	93.45
Profit or loss before tax and minority interest	1,185.75	2,730.01	568.78	1,233.78	1,536.86
Tax expenses related to profit or loss	273.03	518.99	139.21	336.24	484.35
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	1.35	166.91	2.28	2.28	2.28
Profit or Loss after tax and minority interest	914.06	2,377.93	431.84	899.82	1,054.80

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.