Raiffeisen Bank International AG

Earnings Release • Oct 29, 2024

EQS-Ad-hoc: Raiffeisen Bank International AG / Key word(s): 9 Month figures Raiffeisen Bank International AG: RBI 1-9/2024: EUR 856 million consolidated profit excluding Russia and Belarus, FY 2024 ROE guidance revised down on higher Poland provisions

29-Oct-2024 / 18:14 CET/CEST

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RBI 1-9/2024: EUR 856 million consolidated profit excluding Russia and Belarus, FY 2024 ROE guidance revised down on higher Poland provisions

• Consolidated profit of EUR 856 million excluding Russia and Belarus, including EUR 493 million provisions for CHF and EUR mortgage loans in Poland
• Core revenues excluding Russia and Belarus slightly down at EUR 1,481 million quarter-over-quarter, reflecting muted business activity in Q3
• Provisioning ratio for the Group excluding Russia and Belarus stable at around 30 bps in Q3
• CET1 ratio excluding Russia improves to 15.3% (Group CET1 ratio unchanged at 17.8%)
• Russia: Significant de-risking accelerates customer loans down almost 67% since peak in Q2/2022 and down 23% quarter-over-quarter, current account deposits down 26% quarter-over-quarter
• ROE guidance for 2024 adjusted to 7.5%, excluding Russia and Belarus

Income Statement in EURmillion	1-9/2024	1-9/2023	Q3/2024	Q2/2024
Net interest income	4,355	4,190	1,461	1,440
Net fee and commission income	2,077	2,364	686	722
Net trading income and fair value result	98	205	39	42
General administrative expenses	(2,893)	(2,874)	(970)	(986)
Operating result	3,821	4,030	1,286	1,271
Other result	(571)	(589)	(164)	(260)
Governmental measures and compulsory contributions	(191)	(259)	(30)	(21)
Impairment losses on financial assets	(94)	(251)	(46)	(23)
Profit/loss before tax	2,966	2,931	1,047	967
Profit/loss after tax fromcontinuing operations	2,253	2,274	817	715
Consolidated profit	2,083	2,114	758	661
Financial statement in EURmillion	30/9/2024	31/12/2023
Loans to customers	100,105	99,434
Deposits fromcustomers	120,300	119,353
Total assets	205,981	198,241
Total risk-weighted assets (RWA)	97,736	93,664
Bank-specific information	30/9/2024	31/12/2023
NPERatio	2.0%	1.9%
NPECoverageRatio	51.8%	51.7%
CET1 ratio transitional (incl. profit)	17.8%	17.3%
Total capital ratio transitional (incl. profit)	22.0%	21.5%
Key ratios	1-9/2024	1-9/2023	Q3/2024	Q2/2024
Net interest margin (Øinterest-bearing assets)	2.96%	2.81%	2.97%	2.92%
Cost/IncomeRatio	42.7%	41.2%	42.6%	43.2%
Provisioning ratio (Øloans to customers)	0.25%	0.25%	0.27%	0.27%
Consolidated return on equity	15.9%	17.4%	17.7%	15.1%

Earnings per share in EUR 6.09 6.19 2.22 1.93

Outlook

The following guidance refers to RBI excluding Russia and Belarus. The 2024 guidance for RBI including Russia and Belarus has been suspended in light of the accelerated business reduction in Russia.

Outlook 2024	RBIexcl. RU/BY
Net interest income in EUR	around 4.1 bn
Net fee and commission income in EUR	around 1.8 bn
Loans to customers (growth)	4 to 5%
General administrative expenses in EUR	around 3.3 bn
Cost/income ratio	around 52%
Provisioning ratio (before use of overlays)	up to 35 bps
Consolidated return on equity	around 7.5%
CET1 ratio	around 14.7%*
*'P/B Zero' Rus s ia dec ons olidation s c enario

For further information please contact: John P. Carlson, CFA Head of Group Investor Relations

Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna, Austria ir@rbinternational.com phone +43-1-71 707-2089 www.rbinternational.com

End of Inside Information

29-Oct-2024 CET/CEST News transmitted by EQS Group AG. www.eqs.com

Language:	English
Company:	Raiffeisen Bank International AG
	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:	Regulated Unofficial Market in Berlin, Dusseldorf, Frankfurt, Hamburg,
	Hanover, Munich, Stuttgart, Tradegate Exchange; Luxembourg Stock
	Exchange, SIX, Vienna Stock Exchange (Official Market)
EQS News ID:	2018473

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