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 24	Q1 25	Q2 25	Q3 25	Q4 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	26,159.54	24,324.78	22,946.28	20,418.47	21,758.77
Loans and advances	251,844.75	253,335.22	252,265.48	249,538.35	253,026.77
Debt securities	44,038.61	47,131.17	48,554.71	47,777.41	47,953.25
Equity instruments	4,769.89	4,836.93	4,954.62	4,890.46	5,067.13
Tangible assets	2,393.19	2,430.87	2,516.95	2,575.10	2,745.41
Intangible assets	77.11	76.17	72.22	72.17	72.19
Investments in subsidaries, which are not fully or proportionally consolidated	23,163.31	23,198.56	23,377.88	23,392.68	23,684.79
Other assets	10,835.31	10,354.76	8,385.22	8,087.54	9,895.97
Total assets/liabilities	363,281.71	365,688.46	363,073.35	356,752.19	364,204.27



Liabilities
Deposits of central banks	556.53	1,147.33	1,012.00	930.93	413.72
Deposits of credit institutions	74,655.64	76,984.78	74,599.19	72,039.11	71,143.24
Deposits of non-banks	176,950.63	177,180.43	177,115.86	175,586.34	181,656.45
Debt securities issued	60,515.40	58,971.79	58,714.83	56,352.78	58,128.15
Provisions	3,474.58	3,454.15	3,559.01	3,478.30	3,413.40
Equity and minority interest	38,848.93	39,012.99	39,096.41	39,566.90	41,196.98
Other liabilities	8,280.00	8,937.01	8,976.06	8,797.83	8,252.34
Total assets/liabilities	363,281.71	365,688.46	363,073.35	356,752.19	364,204.27



Selected profit and loss items
Net interest income	5,413.85	1,170.48	2,357.62	3,534.29	4,766.48
of which: interest income	14,284.21	3,006.55	5,767.05	8,347.58	11,079.70
of which: interest expenses	8,870.36	1,836.07	3,409.43	4,813.30	6,313.22
Dividend income	2,884.68	159.01	482.72	532.47	2,015.46
Net fee and comission income	1,761.23	406.14	813.40	1,205.59	1,724.52
of which: fee and comission income	2,288.09	524.07	1,069.24	1,601.31	2,241.64
of which: fee and comission expenses	526.86	117.94	255.84	395.73	517.12
Trading and other valuation gains/losses	227.28	−2.25	86.75	105.38	108.79
Other operating income	759.76	145.45	322.04	463.24	761.41
Other operating expenses	1,145.53	132.36	349.74	473.41	568.42
Operating income, net	9,901.26	1,746.47	3,712.78	5,367.56	8,808.25
Administrative and other expenses	4,457.25	1,046.43	2,170.36	3,198.96	4,445.84
of which: staff expenses	2,488.10	600.82	1,284.90	1,884.14	2,544.98
Depreciation and impairment of physical and intangible assets	1,328.69	19.20	−0.42	48.12	−164.05
Operating gains/losses	4,115.33	680.84	1,542.84	2,120.48	4,526.46
Impairment/Reversal of impairment and provisions for credit risk	1,468.61	143.27	373.46	677.07	1,064.28
Other gains/losses	83.29	31.21	64.40	93.45	115.89
Profit or loss before tax and minority interest	2,730.01	568.78	1,233.78	1,536.86	3,578.08
Tax expenses related to profit or loss	518.99	139.21	336.24	484.35	617.17
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	166.91	2.28	2.28	2.28	2.29
Profit or Loss after tax and minority interest	2,377.93	431.84	899.82	1,054.80	2,963.20

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.