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

Income and Financial Statement of Austrian bank¹ Raiffeisen credit cooperatives
End of period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	26,120.68	28,586.67	27,328.11	27,479.93	26,160.55
Loans and advances	248,273.79	251,682.46	252,832.16	251,460.72	252,274.36
Debt securities	41,153.82	42,731.74	42,631.06	42,416.21	44,026.47
Equity instruments	4,594.16	4,632.43	4,706.20	4,766.02	4,771.92
Tangible assets	2,243.23	2,273.38	2,328.37	2,365.03	2,448.30
Intangible assets	76.49	67.65	74.68	75.40	71.63
Investments in subsidaries, which are not fully or proportionally consolidated	24,219.28	24,259.02	23,459.24	23,647.32	23,159.95
Other assets	10,647.71	10,330.70	8,381.24	8,164.66	10,797.85
Total assets/liabilities	357,329.17	364,564.03	361,741.06	360,375.27	363,711.05



Liabilities
Deposits of central banks	6,141.06	3,607.29	1,935.40	1,934.23	556.72
Deposits of credit institutions	76,431.01	82,141.15	79,002.12	76,351.89	74,619.84
Deposits of non-banks	169,484.52	171,401.27	173,919.48	174,409.21	176,972.77
Debt securities issued	57,282.11	59,373.02	58,804.76	59,523.03	60,517.87
Provisions	2,733.34	2,700.72	2,882.47	2,736.66	3,074.13
Equity and minority interest	37,521.37	37,550.54	36,694.07	37,229.54	39,654.13
Other liabilities	7,735.76	7,790.04	8,502.77	8,190.72	8,315.60
Total assets/liabilities	357,329.17	364,564.03	361,741.06	360,375.27	363,711.05



Selected profit and loss items
Net interest income	5,706.05	1,368.39	2,738.59	4,109.93	5,412.07
of which: interest income	22,329.01	6,120.78	12,247.82	18,173.16	23,841.06
of which: interest expenses	16,622.96	4,752.39	9,509.23	14,063.22	18,428.99
Dividend income	2,276.21	21.48	391.74	434.86	2,853.55
Net fee and comission income	1,679.00	396.96	793.43	1,175.30	1,691.46
of which: fee and comission income	2,164.76	501.80	1,023.19	1,536.16	2,172.47
of which: fee and comission expenses	485.76	104.84	229.77	360.86	481.01
Trading and other valuation gains/losses	332.36	−31.71	−36.03	153.69	233.13
Other operating income	780.94	160.98	346.92	484.51	735.92
Other operating expenses	1,433.08	171.20	509.10	702.31	1,017.24
Operating income, net	9,341.48	1,744.88	3,725.54	5,655.99	9,908.90
Administrative and other expenses	4,311.47	993.98	2,092.81	3,065.23	4,311.68
of which: staff expenses	2,399.84	557.26	1,220.67	1,768.16	2,463.98
Depreciation and impairment of physical and intangible assets	−443.61	39.90	927.62	942.21	1,276.63
Operating gains/losses	5,473.61	711.00	705.12	1,648.55	4,320.59
Impairment/Reversal of impairment and provisions for credit risk	1,706.50	68.21	201.24	552.05	991.01
Other gains/losses	54.46	28.82	58.84	89.25	86.21
Profit or loss before tax and minority interest	3,821.57	671.61	562.73	1,185.75	3,415.79
Tax expenses related to profit or loss	490.06	86.37	183.22	273.03	416.68
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−5.30	0.67	2.01	1.35	164.93
Profit or Loss after tax and minority interest	3,326.22	585.92	381.52	914.06	3,164.03

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.