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 24	Q1 25	Q2 25	Q3 25	Q4 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	4,007.53	3,585.93	3,641.91	3,506.60	3,683.59
Loans and advances	27,774.97	27,247.85	27,656.35	28,028.42	27,990.86
Debt securities	3,790.38	4,373.88	4,211.44	4,308.93	4,502.03
Equity instruments	1.71	1.81	2.21	2.31	2.08
Tangible assets	211.33	211.59	212.18	214.87	210.08
Intangible assets	0.42	0.38	0.34	0.30	1.84
Investments in subsidaries, which are not fully or proportionally consolidated	543.08	542.62	542.08	544.23	533.61
Other assets	292.64	324.52	306.89	277.33	250.95
Total assets/liabilities	36,622.07	36,288.58	36,573.39	36,882.98	37,175.03



Liabilities
Deposits of central banks	0.00	20.33	0.19	0.17	0.38
Deposits of credit institutions	4,738.85	4,269.04	4,457.18	4,419.11	4,271.38
Deposits of non-banks	23,271.14	23,088.04	23,350.28	23,173.01	23,719.62
Debt securities issued	5,049.89	5,180.32	4,919.01	5,490.87	5,552.64
Provisions	206.54	215.62	207.69	220.29	218.80
Equity and minority interest	2,861.99	2,884.49	2,891.99	2,929.65	2,979.55
Other liabilities	493.66	630.74	747.05	649.88	432.66
Total assets/liabilities	36,622.07	36,288.58	36,573.39	36,882.98	37,175.03



Selected profit and loss items
Net interest income	612.64	138.49	277.72	421.45	567.53
of which: interest income	1,684.68	369.82	718.61	1,050.47	1,401.49
of which: interest expenses	1,072.05	231.33	440.90	629.02	833.97
Dividend income	32.03	0.01	2.10	2.33	14.10
Net fee and comission income	291.12	77.72	146.44	225.07	303.74
of which: fee and comission income	327.28	89.40	170.71	257.32	346.10
of which: fee and comission expenses	36.16	11.68	24.27	32.25	42.36
Trading and other valuation gains/losses	6.55	1.59	12.11	13.79	8.06
Other operating income	204.34	48.66	87.44	138.91	189.81
Other operating expenses	49.42	5.71	9.50	15.05	32.36
Operating income, net	1,097.25	260.75	516.30	786.49	1,050.88
Administrative and other expenses	711.52	182.20	375.56	556.26	743.53
of which: staff expenses	301.62	73.54	152.93	230.32	307.34
Depreciation and impairment of physical and intangible assets	19.40	4.52	9.25	13.80	18.38
Operating gains/losses	366.34	74.03	131.49	216.43	288.97
Impairment/Reversal of impairment and provisions for credit risk	246.34	27.74	68.99	93.93	117.82
Other gains/losses	71.78	0.34	−0.45	4.63	9.41
Profit or loss before tax and minority interest	191.77	46.63	62.05	127.13	180.56
Tax expenses related to profit or loss	32.58	9.07	18.25	32.93	48.41
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	5.50	0.00	0.00	27.15	32.60
Profit or Loss after tax and minority interest	164.69	37.56	43.80	121.35	164.75

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.