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 23	Q4 23	Q1 24	Q2 24	Q3 24

	EUR million

Selected balance sheet items

Assets
Cash and cash balances at central banks	3,559.40	3,434.89	4,138.91	3,251.77	3,342.31
Loans and advances	27,719.18	27,682.10	27,422.73	27,462.02	27,628.44
Debt securities	2,953.88	2,961.23	3,164.29	3,281.37	3,722.23
Equity instruments	x	0.02	x	x	x
Tangible assets	198.17	198.94	199.38	200.12	208.68
Intangible assets	x	0.59	x	x	x
Investments in subsidaries, which are not fully or proportionally consolidated	526.42	569.76	571.40	573.45	582.01
Other assets	279.83	238.39	324.21	285.89	292.23
Total assets/liabilities	35,237.56	35,085.92	35,821.69	35,055.44	35,776.46



Liabilities
Deposits of central banks	1,323.69	616.85	631.67	0.00	2.18
Deposits of credit institutions	5,185.10	4,801.60	4,559.62	4,373.18	4,559.77
Deposits of non-banks	21,306.09	22,189.59	22,548.66	22,762.95	22,527.80
Debt securities issued	4,009.10	4,073.40	4,623.24	4,329.09	4,956.17
Provisions	195.31	228.67	222.12	230.42	200.38
Equity and minority interest	2,514.71	2,688.25	2,724.45	2,737.29	2,749.31
Other liabilities	703.55	487.56	511.94	622.51	780.86
Total assets/liabilities	35,237.56	35,085.92	35,821.69	35,055.44	35,776.46



Selected profit and loss items
Net interest income	492.89	664.17	154.09	311.03	447.27
of which: interest income	945.05	1,346.41	403.72	822.94	1,232.51
of which: interest expenses	452.16	682.24	249.63	511.91	785.24
Dividend income	4.39	4.45	0.01	9.93	13.77
Net fee and comission income	207.04	277.24	72.40	146.25	205.36
of which: fee and comission income	237.87	317.73	83.50	164.51	232.64
of which: fee and comission expenses	30.83	40.49	11.10	18.26	27.28
Trading and other valuation gains/losses	4.82	8.72	0.86	1.04	6.97
Other operating income	140.05	167.74	45.97	89.10	129.32
Other operating expenses	31.45	40.46	10.34	17.98	22.24
Operating income, net	817.74	1,081.87	262.99	539.36	780.44
Administrative and other expenses	492.51	646.89	170.94	350.14	504.31
of which: staff expenses	204.44	287.61	72.54	149.70	217.34
Depreciation and impairment of physical and intangible assets	14.09	20.00	4.60	9.17	13.23
Operating gains/losses	311.14	414.99	87.46	180.05	262.90
Impairment/Reversal of impairment and provisions for credit risk	−36.71	15.87	29.83	95.81	173.77
Other gains/losses	−1.53	−1.39	−2.79	−2.30	1.34
Profit or loss before tax and minority interest	346.32	397.73	54.84	81.94	90.47
Tax expenses related to profit or loss	50.35	67.89	7.03	16.42	20.64
Extraordinary profit or loss, minority interest and profit or loss after tax from discontinued operations	0.00	−10.90	0.00	0.00	0.00
Profit or Loss after tax and minority interest	295.97	318.94	47.81	65.52	69.83

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.