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

Income and Financial Statement of Austrian banks¹ Other sectors (Building and loan associations, Special purpose banks and Member State credit institutions)
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	2,495.08	1,471.15	1,263.14	1,196.17	1,192.41
Loans and advances	66,721.12	66,501.14	68,043.57	69,459.81	68,457.41
Debt securities	3,804.22	4,176.00	4,022.92	4,317.13	4,318.46
Equity instruments	587.59	597.96	588.31	576.89	580.96
Tangible assets	4,121.84	4,222.64	4,414.31	4,563.08	4,885.18
Intangible assets	96.01	91.15	83.81	81.45	79.77
Investments in subsidaries, which are not fully or proportionally consolidated	875.00	940.35	940.47	940.47	952.23
Other assets	8,490.27	7,895.60	6,712.15	6,975.46	7,337.42
Total assets/liabilities	87,191.12	85,896.00	86,068.69	88,110.46	87,803.83



Liabilities
Deposits of central banks	12.88	9.83	10.41	13.22	x
Deposits of credit institutions	9,316.89	9,746.34	9,189.34	9,913.35	9,978.39
Deposits of non-banks	30,875.57	30,339.11	30,974.93	31,540.40	31,941.58
Debt securities issued	37,421.08	36,179.73	36,373.54	37,167.48	36,442.69
Provisions	1,677.20	1,708.54	1,716.88	1,739.96	1,750.51
Equity and minority interest	4,241.44	4,350.79	4,242.34	4,291.04	4,330.67
Other liabilities	3,646.05	3,561.68	3,561.26	3,445.01	x
Total assets/liabilities	87,191.12	85,896.00	86,068.69	88,110.46	87,803.83



Selected profit and loss items
Net interest income	717.03	185.20	361.62	534.03	696.05
of which: interest income	3,283.68	717.75	1,363.91	1,986.23	2,563.07
of which: interest expenses	2,566.65	532.55	1,002.30	1,452.20	1,867.02
Dividend income	114.77	14.84	58.59	64.90	114.28
Net fee and comission income	221.39	60.20	113.17	159.87	201.63
of which: fee and comission income	566.02	148.46	282.72	412.75	528.34
of which: fee and comission expenses	344.63	88.26	169.56	252.89	326.71
Trading and other valuation gains/losses	12.35	16.93	13.08	13.22	12.40
Other operating income	1,594.35	454.69	820.68	1,261.34	1,727.10
Other operating expenses	441.05	123.17	216.78	336.02	471.65
Operating income, net	2,218.84	608.68	1,150.36	1,697.34	2,279.82
Administrative and other expenses	813.69	205.64	403.13	603.07	835.65
of which: staff expenses	363.29	90.44	181.24	272.83	361.75
Depreciation and impairment of physical and intangible assets	857.80	236.60	433.76	662.98	901.58
Operating gains/losses	547.35	166.44	313.47	431.30	542.60
Impairment/Reversal of impairment and provisions for credit risk	96.08	8.18	23.37	38.77	55.92
Other gains/losses	17.71	3.19	13.28	12.48	14.04
Profit or loss before tax and minority interest	468.98	161.46	303.37	405.01	500.72
Tax expenses related to profit or loss	56.92	12.61	23.03	42.39	54.27
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−95.63	−3.69	−19.77	−44.62	−71.86
Profit or Loss after tax and minority interest	316.42	145.15	260.57	318.00	374.59

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.