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

Income and Financial Statement of Austrian bank¹ Volksbank 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	3,434.89	4,138.91	3,251.77	3,342.31	4,007.53
Loans and advances	27,682.10	27,422.73	27,462.02	27,628.44	27,774.97
Debt securities	2,961.23	3,164.29	3,281.37	3,722.23	3,790.38
Equity instruments	0.02	x	x	x	1.71
Tangible assets	198.94	199.38	200.12	208.68	211.33
Intangible assets	0.59	x	x	x	0.42
Investments in subsidaries, which are not fully or proportionally consolidated	569.76	571.40	573.45	582.01	543.08
Other assets	238.39	324.21	285.89	292.23	292.64
Total assets/liabilities	35,085.92	35,821.69	35,055.44	35,776.46	36,622.07



Liabilities
Deposits of central banks	616.85	631.67	0.00	2.18	0.00
Deposits of credit institutions	4,801.60	4,559.62	4,373.18	4,559.77	4,738.85
Deposits of non-banks	22,189.59	22,548.66	22,762.95	22,527.80	23,271.14
Debt securities issued	4,073.40	4,623.24	4,329.09	4,956.17	5,049.89
Provisions	228.67	222.12	230.42	200.38	206.54
Equity and minority interest	2,688.25	2,724.45	2,737.29	2,749.31	2,861.99
Other liabilities	487.56	511.94	622.51	780.86	493.66
Total assets/liabilities	35,085.92	35,821.69	35,055.44	35,776.46	36,622.07



Selected profit and loss items
Net interest income	664.17	154.09	311.03	447.27	612.64
of which: interest income	1,346.41	403.72	822.94	1,232.51	1,684.68
of which: interest expenses	682.24	249.63	511.91	785.24	1,072.05
Dividend income	4.45	0.01	9.93	13.77	32.03
Net fee and comission income	277.24	72.40	146.25	205.36	291.12
of which: fee and comission income	317.73	83.50	164.51	232.64	327.28
of which: fee and comission expenses	40.49	11.10	18.26	27.28	36.16
Trading and other valuation gains/losses	8.72	0.86	1.04	6.97	6.55
Other operating income	167.74	45.97	89.10	129.32	204.34
Other operating expenses	40.46	10.34	17.98	22.24	49.42
Operating income, net	1,081.87	262.99	539.36	780.44	1,097.25
Administrative and other expenses	646.89	170.94	350.14	504.31	711.52
of which: staff expenses	287.61	72.54	149.70	217.34	301.62
Depreciation and impairment of physical and intangible assets	20.00	4.60	9.17	13.23	19.40
Operating gains/losses	414.99	87.46	180.05	262.90	366.34
Impairment/Reversal of impairment and provisions for credit risk	15.87	29.83	95.81	173.77	246.34
Other gains/losses	−1.39	−2.79	−2.30	1.34	71.78
Profit or loss before tax and minority interest	397.73	54.84	81.94	90.47	191.77
Tax expenses related to profit or loss	67.89	7.03	16.42	20.64	32.58
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−10.90	0.00	0.00	0.00	5.50
Profit or Loss after tax and minority interest	318.94	47.81	65.52	69.83	164.69

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.