In the first half of 2025, the institutes of the Volksbankenverbund were able to improve the period after taxes by 16 % to EUR 84 million. This was achieved despite seven interest rate cuts by the ECB (since June 30, 2024), which have reduced the interest surplus.
The Verbund banks also recorded an increase in the deposits of the customers as well as the granted loans. As of 06/30/2025, the outstanding loan volume to private individuals and companies was 23.41 billion euros. At the same time, the sum of the customer deposits rose to 23.34 billion euros, which increases an increase of EUR 580 million compared to the comparison of comparison 30.06.2024. “For us, the increase in the insoles is a confidence in trust and a clear signal that the path of regional growth in Austria is the right one on a solid basis and is evident from our customers,” explains Gerald Fleischmann, explains, explains, explains Gerald Fleischmann,, explains General Director of Volksbank Vienna AG and spokesman for the Volksbanken network.
Economic environment in the first half of 2025
According to the Statistics Austria, the Austrian economy was on a slight recreational course in the first quarter of 2025 after the declines in the previous two years. The real GDP (seasonal and calendar cleaned) recorded an increase of 0.1 % compared to the fourth quarter of 2024 in the first quarter of 2025. However, a decrease of 0.5 % was still recorded compared to the first quarter of the previous year.
The two economic research institutes WIFO and IHS recently expected stagnation (WIFO) or slight growth of 0.1 % (IHS) of the Austrian economy for the whole year. The OENB, which, in its business forecast for Austria from June 2025, pays off somewhat more optimistic with a slight increase in real GDP of 0.2 %. For 2026, the OENB assumes a moderate GDP growth of 0.9 %, in 2027 it should be 1.1 %.
Volksbanken-Verbund: better period result despite declining interest
The banks of the Volksbanken-Association were almost able to compensate for the decline in the interest surplus, which was due to the development on the interest market (seven interest rate cuts of the ECB since June 30, 2024). While a minus of 11.9 % was recorded to EUR 288 million in the interest surplus, the commission surplus rose from 140.1 to 146.5 million euros in the first half of the year. In the corporate period result (after taxes) there was an increase of 16 % to EUR 84 million.
At 15.2 %, the hard core capital ratio was significantly higher than the minimum regulatory requirement, the own average rate was 22.3 % on the cut -off date 30.06.2025.
Ten-year high in customer deposits, increasing loans-95 % of the financing purely regional
On the deposit page, the institutes of the Volksbankenverbund were again happy about the evidence of trust between the customers. The sum of the deposits (liabilities to customers) increased by EUR 580 million to EUR 23.34 billion – the highest level for ten years (December 31, 2015). Another growth was also recorded compared to the previous maximum of December 31, 2024 – the deposits rose by EUR 85 million.
The lending business also revived in the first half of 2025. In the first half of 2025 there was an increase to EUR 23.41 billion (+191 million compared to December 31, 2024). Gerald Fleischmann: “The increased demand among the loans shows that the entrepreneurs are also willing to reinforce. A generally positive sign of the further development of the Austrian economy. As a house bank of the Austrians, we ensure that the money assessed by our banks remains in the region, because 95 % of the financing is purely regional.”
Volksbank Wien AG: Results of the 1st half of 2025 in detail
The interest surplus of Volksbank Wien AG came to be 64.2 million euros in the first half of 2025 (1,12024: 81.8 million euros), the commission surplus improved to EUR 39.6 million. The period result after taxes rose by 12.1 % to EUR 44.7 million.
The focus and sustainability in the focus-ESG rating improved
The support of the regional economic cycles has been one of the cooperative principles for more than 170 years, according to which the Volksbanks operate. “Sustainability, social responsibility and regionality lie in the genes,” explains Gerald Fleischmann. For this reason, the Volksbank Vienna, the central organ of the Volksbanken-Vernde, has published the free brochure “This is how sustainability for SMEs and cooperatives” published for the fifth time. At the international level, Volksbank Vienna AG is undergoing a lively monitoring through Sustaineralytics, one of the leading agencies in the sustainability rating. This year the ESG-Risiko rating from Volksbank Wien AG was improved from 14.3 to 13.9 (low risk). This means that the institute can position itself among the top 100 in almost 1,000 rated banks worldwide.
Further information on the half-year results 2025 of Volksbank Vienna AG and the Volksbanken-Verband can be found on the website at www.volksbankwien.at/investor-relations Reports are accessed in the section.
The Volksbanken-Verbund
The Volksbanken-Verbund is an Austria-wide banking group, which includes the eight regional Volksbanken, the Austrian Medical and Pharmacist Bank and the Sparda-Bank brand. The central organization of the association has been Volksbank Vienna AG since July 2015. The Volksbanken-Verbund has a total of 32.6 billion euros and with 3,151 employees (full-time equivalents) in 231 sales offices in 23 million customers and customers throughout Austria (as of June 30, 20120). More information on www.volksbank.at or www.volksbank.at/nachhaltigkeit. Despite careful research, the information shown here is only used for non -binding information. Subject to printing errors and errors.
Volksbank Vienna AG
Volksbank Vienna AG is the largest of the Austrian People In addition to its own retail business, Volksbank Vienna AG has also fulfilled overarching tasks for the Volksbanken-Verbund as a central organization (as of June 30, 2025). More information on www.volksbankwien.at or www.volksbank.at/nachhaltigkeit. Despite careful research, the information shown here is only used for non -binding information. Subject to printing errors and errors.
Note: The Volksbanken network attaches great importance to diversity and the equality of all genders. For reasons of better readability, the simultaneous use of male, feminine and various language forms is dispensed with. All personal names apply equally to all genders.