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

Income and Financial Statement of Austrian bank¹ Raiffeisen credit cooperatives
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	25,202.68	26,120.68	28,586.67	27,328.11	27,479.93
Loans and advances	255,352.54	248,273.79	251,682.46	252,832.16	251,460.72
Debt securities	42,075.43	41,153.82	42,731.74	42,631.06	42,416.21
Equity instruments	4,431.84	4,594.16	4,632.43	4,706.20	4,766.02
Tangible assets	2,225.34	2,243.23	2,273.38	2,328.37	2,365.03
Intangible assets	71.40	76.49	67.65	74.68	75.40
Investments in subsidaries, which are not fully or proportionally consolidated	23,645.53	24,219.28	24,259.02	23,459.24	23,647.32
Other assets	8,920.11	10,647.71	10,330.70	8,381.24	8,164.66
Total assets/liabilities	361,924.86	357,329.17	364,564.03	361,741.06	360,375.27



Liabilities
Deposits of central banks	9,193.34	6,141.06	3,607.29	1,935.40	1,934.23
Deposits of credit institutions	77,398.08	76,431.01	82,141.15	79,002.12	76,351.89
Deposits of non-banks	169,343.78	169,484.52	171,401.27	173,919.48	174,409.21
Debt securities issued	57,990.95	57,282.11	59,373.02	58,804.76	59,523.03
Provisions	2,247.65	2,733.34	2,700.72	2,882.47	2,736.66
Equity and minority interest	36,121.82	37,521.37	37,550.54	36,694.07	37,229.54
Other liabilities	9,629.24	7,735.76	7,790.04	8,502.77	8,190.72
Total assets/liabilities	361,924.86	357,329.17	364,564.03	361,741.06	360,375.27



Selected profit and loss items
Net interest income	4,227.14	5,706.05	1,368.39	2,738.59	4,109.93
of which: interest income	12,362.21	22,329.01	6,120.78	12,247.82	18,173.16
of which: interest expenses	8,135.07	16,622.96	4,752.39	9,509.23	14,063.22
Dividend income	206.98	2,276.21	21.48	391.74	434.86
Net fee and comission income	1,127.57	1,679.00	396.96	793.43	1,175.30
of which: fee and comission income	1,467.52	2,164.76	501.80	1,023.19	1,536.16
of which: fee and comission expenses	339.96	485.76	104.84	229.77	360.86
Trading and other valuation gains/losses	127.22	332.36	−31.71	−36.03	153.69
Other operating income	532.85	780.94	160.98	346.92	484.51
Other operating expenses	837.21	1,433.08	171.20	509.10	702.31
Operating income, net	5,384.55	9,341.48	1,744.88	3,725.54	5,655.99
Administrative and other expenses	2,970.10	4,311.47	993.98	2,092.81	3,065.23
of which: staff expenses	1,668.19	2,399.84	557.26	1,220.67	1,768.16
Depreciation and impairment of physical and intangible assets	−26.05	−443.61	39.90	927.62	942.21
Operating gains/losses	2,440.50	5,473.61	711.00	705.12	1,648.55
Impairment/Reversal of impairment and provisions for credit risk	93.44	1,706.50	68.21	201.24	552.05
Other gains/losses	16.99	54.46	28.82	58.84	89.25
Profit or loss before tax and minority interest	2,364.04	3,821.57	671.61	562.73	1,185.75
Tax expenses related to profit or loss	203.57	490.06	86.37	183.22	273.03
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.41	−5.30	0.67	2.01	1.35
Profit or Loss after tax and minority interest	2,160.88	3,326.22	585.92	381.52	914.06

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.