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

Income and Financial Statement of Austrian bank¹ Broken Down by region² - Lower Austria
End of period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	1,643.92	1,437.34	2,275.57	2,687.19	2,101.92
Loans and advances	58,476.51	58,791.72	58,921.83	59,052.13	59,294.92
Debt securities	5,076.52	4,999.33	5,081.05	5,098.15	5,103.95
Equity instruments	664.44	669.61	701.19	719.32	750.29
Tangible assets	470.00	476.55	476.86	482.07	494.83
Intangible assets	0.78	0.97	1.01	1.17	1.24
Investments in subsidaries, which are not fully or proportionally consolidated	1,069.41	1,074.81	1,075.17	1,078.95	1,079.60
Other assets	405.19	448.23	542.70	435.59	445.83
Total assets/liabilities	67,806.77	67,898.56	69,075.38	69,554.56	69,272.58



Liabilities
Deposits of central banks	439.74	389.56	191.91	x	0.00
Deposits of credit institutions	5,208.05	4,823.91	4,590.90	4,302.72	4,047.13
Deposits of non-banks	45,822.60	46,997.49	47,797.65	48,651.77	48,563.95
Debt securities issued	9,400.70	8,836.16	9,385.69	9,358.40	9,344.80
Provisions	319.60	382.58	377.38	386.30	299.40
Equity and minority interest	6,161.95	6,017.06	6,150.73	6,354.98	6,518.81
Other liabilities	454.14	451.79	581.11	x	498.49
Total assets/liabilities	67,806.77	67,898.56	69,075.38	69,554.56	69,272.58



Selected profit and loss items
Net interest income	1,247.95	1,683.47	402.03	800.36	1,190.61
of which: interest income	1,803.60	2,518.94	712.82	1,436.93	2,145.05
of which: interest expenses	555.66	835.46	310.78	636.57	954.44
Dividend income	43.91	52.68	0.17	66.46	67.20
Net fee and comission income	264.85	395.55	95.11	192.58	289.53
of which: fee and comission income	298.59	442.27	107.08	217.52	326.43
of which: fee and comission expenses	33.74	46.72	11.97	24.94	36.90
Trading and other valuation gains/losses	−18.27	23.94	−64.81	−105.41	11.82
Other operating income	45.68	56.03	5.97	12.60	19.74
Other operating expenses	9.31	53.76	2.39	17.76	28.90
Operating income, net	1,574.81	2,157.91	436.08	948.83	1,550.00
Administrative and other expenses	608.17	874.55	211.54	432.15	639.72
of which: staff expenses	357.24	509.47	120.06	261.21	389.61
Depreciation and impairment of physical and intangible assets	26.62	38.73	9.26	19.00	26.67
Operating gains/losses	940.02	1,244.64	215.28	497.68	883.61
Impairment/Reversal of impairment and provisions for credit risk	34.42	472.52	36.84	78.01	311.88
Other gains/losses	1.32	−12.68	−0.92	−1.34	−1.80
Profit or loss before tax and minority interest	906.91	759.44	177.52	418.34	569.94
Tax expenses related to profit or loss	120.60	180.39	39.20	74.61	109.00
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.01	−10.89	0.00	0.01	0.01
Profit or Loss after tax and minority interest	786.32	568.17	138.32	343.73	460.94

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.
² Comparisons between provinces are of limited usefulness, because supraregionally operating banks are always allocated to the head office location (UniCredit Bank Austria AG is, for instance, allocated to Vienna).