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 25	Q3 25	Q4 25	Q1 26	Q2 26
EUR million
Selected balance sheet items
Assets
Cash and cash balances at central banks	3,641.91	3,506.60	3,683.59	3,453.62	2,882.11
Loans and advances	27,656.35	28,028.42	27,990.86	27,611.62	27,828.23
Debt securities	4,211.44	4,308.93	4,502.03	4,600.42	4,688.77
Equity instruments	2.21	2.31	2.08	2.40	2.72
Tangible assets	212.18	214.87	210.08	209.02	212.12
Intangible assets	0.34	0.30	1.84	1.75	1.65
Investments in subsidaries, which are not fully or proportionally consolidated	542.08	544.23	533.61	529.32	529.51
Other assets	306.89	277.33	250.95	299.76	275.48
Total assets/liabilities	36,573.39	36,882.98	37,175.03	36,707.89	36,420.59
Liabilities
Deposits of central banks	0.19	0.17	0.38	25.81	0.21
Deposits of credit institutions	4,457.18	4,419.11	4,271.38	3,923.71	3,925.94
Deposits of non-banks	23,350.28	23,173.01	23,719.62	24,331.12	24,004.73
Debt securities issued	4,919.01	5,490.87	5,552.64	4,627.65	4,572.98
Provisions	207.69	220.29	218.80	232.01	225.92
Equity and minority interest	2,891.99	2,929.65	2,979.55	2,999.27	3,013.52
Other liabilities	747.05	649.88	432.66	568.32	677.28
Total assets/liabilities	36,573.39	36,882.98	37,175.03	36,707.89	36,420.59
Selected profit and loss items
Net interest income	277.72	421.45	567.53	140.79	288.37
of which: interest income	718.61	1,050.47	1,401.49	352.04	726.49
of which: interest expenses	440.90	629.02	833.97	211.25	438.13
Dividend income	2.10	2.33	14.10	0.43	5.07
Net fee and comission income	146.44	225.07	303.74	76.54	154.74
of which: fee and comission income	170.71	257.32	346.10	88.55	173.93
of which: fee and comission expenses	24.27	32.25	42.36	12.02	19.20
Trading and other valuation gains/losses	12.11	13.79	8.06	1.47	7.69
Other operating income	87.44	138.91	189.81	51.15	97.52
Other operating expenses	9.50	15.05	32.36	9.47	21.34
Operating income, net	516.30	786.49	1,050.88	260.91	532.04
Administrative and other expenses	375.56	556.26	743.53	196.85	414.73
of which: staff expenses	152.93	230.32	307.34	77.21	157.73
Depreciation and impairment of physical and intangible assets	9.25	13.80	18.38	4.50	9.08
Operating gains/losses	131.49	216.43	288.97	59.56	108.23
Impairment/Reversal of impairment and provisions for credit risk	68.99	93.93	117.82	29.66	55.07
Other gains/losses	−0.45	4.63	9.41	−0.56	4.11
Profit or loss before tax and minority interest	62.05	127.13	180.56	29.34	57.27
Tax expenses related to profit or loss	18.25	32.93	48.41	7.31	15.91
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	27.15	32.60	0.00	0.00
Profit or Loss after tax and minority interest	43.80	121.35	164.75	22.02	41.36


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.