Raiffeisen Bank International AG

Earnings Release • Mar 15, 2017

DGAP-Ad-hoc:Raiffeisen Bank InternationalAG/ Keyword(s): Final Results

15-March-2017 / 07:33 CET/CEST

Disclosure of an inside information acc. toArticle 17 MAR, transmitted byDGAP- a service of EQSGroupAG. The issuer is solelyresponsible for the content of this announcement.

Raiffeisen Bank International: Full Year Results 2016

Unless stated otherwise, all numbers are for RBI pre-merger with RZB.

• Consolidated profit of EUR463 mn

• Transformation program completed ahead of schedule:CET1 ratio (fullyloaded) of 13.6%, significantlyabove 12%target

• NPL ratio significantlyreduced to 9.2%

• Substantiallyimproved risk costs across all markets
• Net interest margin levelled out in 2016
• Significantlyincreased profit contribution from Southeastern and Eastern Europe
• EGMapproved RZB/RBI merger with 99.4% - Merger expected to be entered in the commercial register on 18 March 2017
• Pro forma CET1 ratio (fullyloaded) of combined bank at 12.4%

Income Statement inEURmn	1-12/2016	1-12/2015		Q4/2016 Q3/2016
Net interest income	2,935	3,327		748 732
Net provisioning for impairment losses	(754)	(1,264)		(251) (100)
Net interest income after provisioning	2,181	2,063		497 632
Net fee and commission income	1,497	1,519		400 378
Net trading income	215	16		78 52
General administrative expenses	(2,848)	(2,914)		(749) (687)
Other results	(204)	(40)	(82)	(103)
Profit/loss before tax	886	711		140 296
Profit/loss after tax	574	435		94 212
Consolidated profit/loss	463	379		69 184
Balance Sheet inEURmn	31/12/16	31/12/15
Equity	9,232	8,501
Total assets	111,864	114,427
NPL ratio	9.2%	11.9%
NPL coverage ratio	75.6%	71.3%
Risk-weighted assets (total RWA)	60,061	63,272
Ratios	31/12/16	31/12/15
Common equitytier 1 ratio (fullyloaded)	13.6%	11.5%
Common equitytier 1 ratio (transitional)	13.9%	12.1%
Total capital ratio (fullyloaded)	18.9%	16.8%
Total capital ratio (transitional)	19.2%	17.4%
Ratios	1-12/2016	1-12/2015	Q4/2016	Q3/2016
Net interest margin	2.78%	3.00%	2.83%	2.77%
Return on equitybefore tax	10.3%	8.5%	6.4%	13.8%
Consolidated return on equity	5.8%	4.8%	3.4%	9.2%
Cost/income ratio	60.7%	59.1%	61.2%	57.9%
Earnings per share in EUR	1.58	1.30	0.24	0.63
Resources	31/12/16	31/12/15
Employees (full-time equivalents)	48,556	51,492
Business outlets	2,506	2,705

Outlook

As a result of the merger with RZB, to be entered in the commercial register on 18 of March 2017, the following outlook applies to the

combined bank.

RBI reached the 12 per centCET1 ratio target one year ahead of schedule with a fullyloaded CET1 ratio of 13.6 per cent at 31 December 2016 (12.4 per cent for the pro forma combined bank). In the medium term we strive to achieve a CET1 ratio (fullyloaded) of around 13 per cent.

After stabilizing loan volumes,we look to resume growth with an average yearlypercentage increase in the lowsingle digit area.

We expect net provisioning for impairment losses for 2017 to be belowthe level of 2016 (EUR754 million).

We look to reach an NPL ratio of around 8 per cent bythe end of 2017, and over the medium term we expect this to reduce further.

We further aim to achieve a cost/income ratio of between 50 and 55 per cent in the medium term, unchanged from our previous target.

Our medium term return on equitybefore taxtarget is unchanged at approximately14 per cent,with a consolidated return on equitytarget of approximately11 per cent.

For further information please contact:

Susanne E. Langer Head ofGroup Investor Relations Spokesperson Raiffeisen Bank InternationalAG Am Stadtpark 9 1030 Vienna,Austria ir@rbinternational.com phone +43-1-71 707-2089 www.rbinternational.com

15-March-2017 CET/CESTThe DGAPDistribution Services include RegulatoryAnnouncements, Financial/Corporate News and Press Releases. Archive atwww.dgap.de

Language: Company:	English Raiffeisen Bank InternationalAG Am Stadtpark 9 A-1030 Vienna Austria
Phone:	+43-1-71707-2089
Fax:	+43-1-71707-2138
E-mail:	ir@rbinternational.com
Internet:	www.rbinternational.com
ISIN:	AT0000606306
WKN:	A0D9SU
Listed:	Foreign Exchange(s) Luxemburg, SIX, Wien (Amtlicher Handel /Official Market)

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