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

Income and Financial Statement of Austrian bank¹ Volksbank credit cooperatives
End of period	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	3,251.77	3,342.31	4,007.53	3,585.93	3,641.91
Loans and advances	27,462.02	27,628.44	27,774.97	27,247.85	27,656.35
Debt securities	3,281.37	3,722.23	3,790.38	4,373.88	4,211.44
Equity instruments	x	x	1.71	1.81	2.21
Tangible assets	200.12	208.68	211.33	211.59	212.18
Intangible assets	x	x	0.42	0.38	0.34
Investments in subsidaries, which are not fully or proportionally consolidated	573.45	582.01	543.08	542.62	542.08
Other assets	285.89	292.23	292.64	324.52	306.89
Total assets/liabilities	35,055.44	35,776.46	36,622.07	36,288.58	36,573.39



Liabilities
Deposits of central banks	0.00	2.18	0.00	20.33	0.19
Deposits of credit institutions	4,373.18	4,559.77	4,738.85	4,269.04	4,457.18
Deposits of non-banks	22,762.95	22,527.80	23,271.14	23,088.04	23,350.28
Debt securities issued	4,329.09	4,956.17	5,049.89	5,180.32	4,919.01
Provisions	230.42	200.38	206.54	215.62	207.69
Equity and minority interest	2,737.29	2,749.31	2,861.99	2,884.49	2,891.99
Other liabilities	622.51	780.86	493.66	630.74	747.05
Total assets/liabilities	35,055.44	35,776.46	36,622.07	36,288.58	36,573.39



Selected profit and loss items
Net interest income	311.03	447.27	612.64	138.49	277.72
of which: interest income	822.94	1,232.51	1,684.68	369.82	718.61
of which: interest expenses	511.91	785.24	1,072.05	231.33	440.90
Dividend income	9.93	13.77	32.03	0.01	2.10
Net fee and comission income	146.25	205.36	291.12	77.72	146.44
of which: fee and comission income	164.51	232.64	327.28	89.40	170.71
of which: fee and comission expenses	18.26	27.28	36.16	11.68	24.27
Trading and other valuation gains/losses	1.04	6.97	6.55	1.59	12.11
Other operating income	89.10	129.32	204.34	48.66	87.44
Other operating expenses	17.98	22.24	49.42	5.71	9.50
Operating income, net	539.36	780.44	1,097.25	260.75	516.30
Administrative and other expenses	350.14	504.31	711.52	182.20	375.56
of which: staff expenses	149.70	217.34	301.62	73.54	152.93
Depreciation and impairment of physical and intangible assets	9.17	13.23	19.40	4.52	9.25
Operating gains/losses	180.05	262.90	366.34	74.03	131.49
Impairment/Reversal of impairment and provisions for credit risk	95.81	173.77	246.34	27.74	68.99
Other gains/losses	−2.30	1.34	71.78	0.34	−0.45
Profit or loss before tax and minority interest	81.94	90.47	191.77	46.63	62.05
Tax expenses related to profit or loss	16.42	20.64	32.58	9.07	18.25
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	0.00	5.50	0.00	0.00
Profit or Loss after tax and minority interest	65.52	69.83	164.69	37.56	43.80

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.