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 24	Q2 24	Q3 24	Q4 24	Q1 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	4,138.91	3,251.77	3,342.31	4,007.53	3,585.93
Loans and advances	27,422.73	27,462.02	27,628.44	27,774.97	27,247.85
Debt securities	3,164.29	3,281.37	3,722.23	3,790.38	4,373.88
Equity instruments	x	x	x	1.71	1.81
Tangible assets	199.38	200.12	208.68	211.33	211.59
Intangible assets	x	x	x	0.42	0.38
Investments in subsidaries, which are not fully or proportionally consolidated	571.40	573.45	582.01	543.08	542.62
Other assets	324.21	285.89	292.23	292.64	324.52
Total assets/liabilities	35,821.69	35,055.44	35,776.46	36,622.07	36,288.58



Liabilities
Deposits of central banks	631.67	0.00	2.18	0.00	20.33
Deposits of credit institutions	4,559.62	4,373.18	4,559.77	4,738.85	4,269.04
Deposits of non-banks	22,548.66	22,762.95	22,527.80	23,271.14	23,088.04
Debt securities issued	4,623.24	4,329.09	4,956.17	5,049.89	5,180.32
Provisions	222.12	230.42	200.38	206.54	215.62
Equity and minority interest	2,724.45	2,737.29	2,749.31	2,861.99	2,884.49
Other liabilities	511.94	622.51	780.86	493.66	630.74
Total assets/liabilities	35,821.69	35,055.44	35,776.46	36,622.07	36,288.58



Selected profit and loss items
Net interest income	154.09	311.03	447.27	612.64	138.49
of which: interest income	403.72	822.94	1,232.51	1,684.68	369.82
of which: interest expenses	249.63	511.91	785.24	1,072.05	231.33
Dividend income	0.01	9.93	13.77	32.03	0.01
Net fee and comission income	72.40	146.25	205.36	291.12	77.72
of which: fee and comission income	83.50	164.51	232.64	327.28	89.40
of which: fee and comission expenses	11.10	18.26	27.28	36.16	11.68
Trading and other valuation gains/losses	0.86	1.04	6.97	6.55	1.59
Other operating income	45.97	89.10	129.32	204.34	48.66
Other operating expenses	10.34	17.98	22.24	49.42	5.71
Operating income, net	262.99	539.36	780.44	1,097.25	260.75
Administrative and other expenses	170.94	350.14	504.31	711.52	182.20
of which: staff expenses	72.54	149.70	217.34	301.62	73.54
Depreciation and impairment of physical and intangible assets	4.60	9.17	13.23	19.40	4.52
Operating gains/losses	87.46	180.05	262.90	366.34	74.03
Impairment/Reversal of impairment and provisions for credit risk	29.83	95.81	173.77	246.34	27.74
Other gains/losses	−2.79	−2.30	1.34	71.78	0.34
Profit or loss before tax and minority interest	54.84	81.94	90.47	191.77	46.63
Tax expenses related to profit or loss	7.03	16.42	20.64	32.58	9.07
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	0.00	0.00	5.50	0.00
Profit or Loss after tax and minority interest	47.81	65.52	69.83	164.69	37.56

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.