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

Income and Financial Statement of Austrian bank¹ Volksbank credit cooperatives
End of period	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	3,585.93	3,641.91	3,506.60	3,683.59	3,453.62
Loans and advances	27,247.85	27,656.35	28,028.42	27,990.86	27,611.62
Debt securities	4,373.88	4,211.44	4,308.93	4,502.03	4,600.42
Equity instruments	1.81	2.21	2.31	2.08	2.40
Tangible assets	211.59	212.18	214.87	210.08	209.02
Intangible assets	0.38	0.34	0.30	1.84	1.75
Investments in subsidaries, which are not fully or proportionally consolidated	542.62	542.08	544.23	533.61	529.32
Other assets	324.52	306.89	277.33	250.95	299.76
Total assets/liabilities	36,288.58	36,573.39	36,882.98	37,175.03	36,707.89



Liabilities
Deposits of central banks	20.33	0.19	0.17	0.38	25.81
Deposits of credit institutions	4,269.04	4,457.18	4,419.11	4,271.38	3,923.71
Deposits of non-banks	23,088.04	23,350.28	23,173.01	23,719.62	24,331.12
Debt securities issued	5,180.32	4,919.01	5,490.87	5,552.64	4,627.65
Provisions	215.62	207.69	220.29	218.80	232.01
Equity and minority interest	2,884.49	2,891.99	2,929.65	2,979.55	2,999.27
Other liabilities	630.74	747.05	649.88	432.66	568.32
Total assets/liabilities	36,288.58	36,573.39	36,882.98	37,175.03	36,707.89



Selected profit and loss items
Net interest income	138.49	277.72	421.45	567.53	140.79
of which: interest income	369.82	718.61	1,050.47	1,401.49	352.04
of which: interest expenses	231.33	440.90	629.02	833.97	211.25
Dividend income	0.01	2.10	2.33	14.10	0.43
Net fee and comission income	77.72	146.44	225.07	303.74	76.54
of which: fee and comission income	89.40	170.71	257.32	346.10	88.55
of which: fee and comission expenses	11.68	24.27	32.25	42.36	12.02
Trading and other valuation gains/losses	1.59	12.11	13.79	8.06	1.47
Other operating income	48.66	87.44	138.91	189.81	51.15
Other operating expenses	5.71	9.50	15.05	32.36	9.47
Operating income, net	260.75	516.30	786.49	1,050.88	260.91
Administrative and other expenses	182.20	375.56	556.26	743.53	196.85
of which: staff expenses	73.54	152.93	230.32	307.34	77.21
Depreciation and impairment of physical and intangible assets	4.52	9.25	13.80	18.38	4.50
Operating gains/losses	74.03	131.49	216.43	288.97	59.56
Impairment/Reversal of impairment and provisions for credit risk	27.74	68.99	93.93	117.82	29.66
Other gains/losses	0.34	−0.45	4.63	9.41	−0.56
Profit or loss before tax and minority interest	46.63	62.05	127.13	180.56	29.34
Tax expenses related to profit or loss	9.07	18.25	32.93	48.41	7.31
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	0.00	27.15	32.60	0.00
Profit or Loss after tax and minority interest	37.56	43.80	121.35	164.75	22.02

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.