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	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	1,719.95	2,495.08	1,471.15	1,263.14	1,196.17
Loans and advances	67,494.38	66,721.12	66,501.14	68,043.57	69,459.81
Debt securities	3,969.08	3,804.22	4,176.00	4,022.92	4,317.13
Equity instruments	x	587.59	597.96	588.31	576.89
Tangible assets	4,017.49	4,121.84	4,222.64	4,414.31	4,563.08
Intangible assets	x	96.01	91.15	83.81	81.45
Investments in subsidaries, which are not fully or proportionally consolidated	897.68	875.00	940.35	940.47	940.47
Other assets	7,297.30	8,490.27	7,895.60	6,712.15	6,975.46
Total assets/liabilities	86,109.77	87,191.12	85,896.00	86,068.69	88,110.46



Liabilities
Deposits of central banks	53.62	12.88	9.83	10.41	13.22
Deposits of credit institutions	9,152.00	9,316.89	9,746.34	9,189.34	9,913.35
Deposits of non-banks	30,407.24	30,875.57	30,339.11	30,974.93	31,540.40
Debt securities issued	37,059.98	37,421.08	36,179.73	36,373.54	37,167.48
Provisions	1,633.36	1,677.20	1,708.54	1,716.88	1,739.96
Equity and minority interest	4,260.81	4,241.44	4,350.79	4,242.34	4,291.04
Other liabilities	3,542.77	3,646.05	3,561.68	3,561.26	3,445.01
Total assets/liabilities	86,109.77	87,191.12	85,896.00	86,068.69	88,110.46



Selected profit and loss items
Net interest income	533.72	717.03	185.20	361.62	534.03
of which: interest income	2,495.40	3,283.68	717.75	1,363.91	1,986.23
of which: interest expenses	1,961.69	2,566.65	532.55	1,002.30	1,452.20
Dividend income	66.63	114.77	14.84	58.59	64.90
Net fee and comission income	163.80	221.39	60.20	113.17	159.87
of which: fee and comission income	416.14	566.02	148.46	282.72	412.75
of which: fee and comission expenses	252.34	344.63	88.26	169.56	252.89
Trading and other valuation gains/losses	−5.02	12.35	16.93	13.08	13.22
Other operating income	1,172.80	1,594.35	454.69	820.68	1,261.34
Other operating expenses	314.39	441.05	123.17	216.78	336.02
Operating income, net	1,617.54	2,218.84	608.68	1,150.36	1,697.34
Administrative and other expenses	595.43	813.69	205.64	403.13	603.07
of which: staff expenses	272.24	363.29	90.44	181.24	272.83
Depreciation and impairment of physical and intangible assets	611.82	857.80	236.60	433.76	662.98
Operating gains/losses	410.28	547.35	166.44	313.47	431.30
Impairment/Reversal of impairment and provisions for credit risk	9.70	96.08	8.18	23.37	38.77
Other gains/losses	13.42	17.71	3.19	13.28	12.48
Profit or loss before tax and minority interest	414.00	468.98	161.46	303.37	405.01
Tax expenses related to profit or loss	39.62	56.92	12.61	23.03	42.39
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	−57.15	−95.63	−3.69	−19.77	−44.62
Profit or Loss after tax and minority interest	317.23	316.42	145.15	260.57	318.00

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.