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

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

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	3,342.31	4,007.53	3,585.93	3,641.91	3,506.60
Loans and advances	27,628.44	27,774.97	27,247.85	27,656.35	28,028.42
Debt securities	3,722.23	3,790.38	4,373.88	4,211.44	4,308.93
Equity instruments	x	1.71	1.81	2.21	2.31
Tangible assets	208.68	211.33	211.59	212.18	214.87
Intangible assets	x	0.42	0.38	0.34	0.30
Investments in subsidaries, which are not fully or proportionally consolidated	582.01	543.08	542.62	542.08	544.23
Other assets	292.23	292.64	324.52	306.89	277.33
Total assets/liabilities	35,776.46	36,622.07	36,288.58	36,573.39	36,882.98



Liabilities
Deposits of central banks	2.18	0.00	20.33	0.19	0.17
Deposits of credit institutions	4,559.77	4,738.85	4,269.04	4,457.18	4,419.11
Deposits of non-banks	22,527.80	23,271.14	23,088.04	23,350.28	23,173.01
Debt securities issued	4,956.17	5,049.89	5,180.32	4,919.01	5,490.87
Provisions	200.38	206.54	215.62	207.69	220.29
Equity and minority interest	2,749.31	2,861.99	2,884.49	2,891.99	2,929.65
Other liabilities	780.86	493.66	630.74	747.05	649.88
Total assets/liabilities	35,776.46	36,622.07	36,288.58	36,573.39	36,882.98



Selected profit and loss items
Net interest income	447.27	612.64	138.49	277.72	421.45
of which: interest income	1,232.51	1,684.68	369.82	718.61	1,050.47
of which: interest expenses	785.24	1,072.05	231.33	440.90	629.02
Dividend income	13.77	32.03	0.01	2.10	2.33
Net fee and comission income	205.36	291.12	77.72	146.44	225.07
of which: fee and comission income	232.64	327.28	89.40	170.71	257.32
of which: fee and comission expenses	27.28	36.16	11.68	24.27	32.25
Trading and other valuation gains/losses	6.97	6.55	1.59	12.11	13.79
Other operating income	129.32	204.34	48.66	87.44	138.91
Other operating expenses	22.24	49.42	5.71	9.50	15.05
Operating income, net	780.44	1,097.25	260.75	516.30	786.49
Administrative and other expenses	504.31	711.52	182.20	375.56	556.26
of which: staff expenses	217.34	301.62	73.54	152.93	230.32
Depreciation and impairment of physical and intangible assets	13.23	19.40	4.52	9.25	13.80
Operating gains/losses	262.90	366.34	74.03	131.49	216.43
Impairment/Reversal of impairment and provisions for credit risk	173.77	246.34	27.74	68.99	93.93
Other gains/losses	1.34	71.78	0.34	−0.45	4.63
Profit or loss before tax and minority interest	90.47	191.77	46.63	62.05	127.13
Tax expenses related to profit or loss	20.64	32.58	9.07	18.25	32.93
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	5.50	0.00	0.00	27.15
Profit or Loss after tax and minority interest	69.83	164.69	37.56	43.80	121.35

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.