Raiffeisen Bank International AG

Earnings Release • Aug 9, 2007

News Details

Ad-hoc | 9 August 2007 07:31

Raiffeisen International Bank-Holding AG: Semi-Annual Report 2007

Raiffeisen International Bank-Holding AG / Quarter Results

Release of an Ad hoc announcement, transmitted by DGAP - a company of
EquityStory AG.
The issuer is solely responsible for the content of this announcement.

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– Consolidated profit of EUR 401.4 mn up by 38.8% year-on-year (1-6/2006:
EUR 289.2 mn)

– Improved ROE before tax of 26.6% compared to 1-6/2006 (25.7%)

– Balance sheet total exceeds EUR 62.6 bn, a plus of 35.2% compared to 30
June 2006 and a gain of 12.1% compared to year-end 2006

– Retail segment contribution of 37% due to strong growth in retail
profit (1-6/2006: 30%)

– Cost/income ratio improves from 57.9% to 57.3% year-on-year

– For 2007 we target a consolidated profit of at least EUR 750 million.

– We are currently evaluating the possibility of a capital increase that,
depending on prevailing market conditions, could be implemented within
the next six months.

                                  1-6/      1-6/     4-6/     4-6/

Income Statement in EUR mn 2007 2006 2007 2006

Net interest income 1,078.8 789.8 573.8 411.6
Provisioning for impairment losses (153.3) (125.0) (77.4) (69.6)
Net interest income after
provisioning 925.5 664.8 496.4 342.0
Net commission income 572.2 415.6 297.2 230.6
Trading profit 79.3 71.3 43.7 41.4
General administrative expenses (1,002.7) (744.2) (526.2) (396.6)
Profit before tax 606.6 421.0 314.1 227.2
Profit after tax 477.0 333.5 246.3 182.1
Consolidated profit (after
minorities) 401.4 289.2 208.8 165.0

Balance Sheet in EUR mn 30/06 31/12/
2007 2006

Equity (incl. minorities and profit) 4,994 4,590
Balance-sheet total 62,644 55,867

Bank Specific Information 30/06/ 31/12/
2007 2006

Core capital ratio (Tier 1), banking
book 9.0% 9.8%
Core capital ratio (Tier 1), incl.
market risk 8.3% 9.0%
Own funds ratio 10.2% 11.0%

Performance 1-6/ 1-6/
2007 2006

Return on equity (ROE) before tax 26.6% 25.7%
Consolidated return on equity 20.3% 20.8%
Cost/income ratio 57.3% 57.9%
Risk/earnings ratio 14.2% 15.8%
Earnings per share in EUR 2.82 2.03

Resources 30/06/ 31/12/
2007 2006

Number of staff 55,195 52,732
Business outlets 2,956 2,848

THESE MATERIALS ARE NOT AN OFFER FOR SALE OF SECURITIES IN THE UNITED
STATES OR ANY OTHER JURISDICTION. SECURITIES OF RAIFFEISEN INTERNATIONAL
HAVE NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT AND MAY NOT BE
OFFERED OR SOLD IN THE UNITED STATES ABSENT REGISTRATION OR AN EXEMPTION
FROM REGISTRATION.

For further information please contact:

Susanne Langer
Vice President Investor Relations

Raiffeisen International Bank-Holding AG
Am Stadtpark 9
A-1030 Vienna

investor.relations@ri.co.at
phone +43-1-71707-2089
http://www.ri.co.at
DGAP 09.08.2007

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Language: English
Issuer: Raiffeisen International Bank-Holding AG
Am Stadtpark 9
1030 Vienna
Österreich
Phone: +43-1-71707-2089
Fax: +43-1-71707-2138
E-mail: investor.relations@ri.co.at
Internet: www.ri.co.at
ISIN: AT0000606306
WKN: A0D9SU
Indices:
Listed: Amtlicher Markt in Wien; Freiverkehr in Berlin, Stuttgart,
München; Open Market in Frankfurt

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