Raiffeisen Bank International AG / Key word(s): 9-month figures/9-month figures 12.11.2015 07:33 Dissemination of an Ad hoc announcement, transmitted by DGAP - a service of EQS Group AG. The issuer is solely responsible for the content of this announcement. --------------------------------------------------------------------------- - Net interest income of EUR 2,495 mn (down 13.8% y-o-y) - General administrative expenses decreased to EUR 2,101 mn (down 8.5% y-o-y) - Net provisioning for impairment losses decreased to EUR 783 mn (down 27.7% y-o-y) - In Poland the remaining goodwill in the amount of EUR 96 mn was fully impaired - In Croatia a charge of EUR 75 mn for the forced conversion of Swiss Franc loans into Euro was booked - Profit before tax increased to EUR 624 mn (up 24.3% y-o-y) - Consolidated profit increased to EUR 378 mn (up 67.6% y-o-y) - Common equity tier 1 ratio: fully loaded 10.8%; transitional 11.4% - Leverage ratio: fully loaded 6.1%; transitional 6.5% Income Statement in EUR mn 1-9/2015 1-9/2014 Q3/2015 Q2/2015 Net interest income 2,495 2,894 813 862 Net provisioning for impairment losses (783) (1,083) (191) (332) Net interest income after provisioning 1,712 1,811 622 530 Net fee and commission income 1,129 1,168 384 385 Net trading income (12) 38 (14) 64 General administrative expenses (2,101) (2,295) (713) (697) Other results (152) (257) (155) (18) Profit before tax 624 502 157 279 Profit after tax 432 259 106 226 Consolidated profit 378 225 90 204 Balance Sheet in EUR mn 30/09/15 31/12/14 Equity 8,624 8,302 Total assets 117,238 121,624 NPL ratio 12.1% 11.3% NPL coverage ratio 66.6% 67.4% Risk-weighted assets (total RWA) 67,195 68,721 Ratios 30/09/15 31/12/14 Common equity tier 1 ratio (transitional) 11.4% 10.9% Common equity tier 1 ratio (fully loaded) 10.8% 10.0% Total capital ratio (transitional) 16.7% 16.0% Total capital ratio (fully loaded) 16.2% 15.2% 1-9/2015 1-9/2014 Net interest margin 2.99% 3.29% Return on equity before tax 9.9% 5.8% Cost/income ratio 57.4% 55.5% Earnings per share in EUR 1.29 0.42 Resources 30/09/15 31/12/14 Employees (full-time equivalents) 52,744 54,730 Business outlets 2,754 2,866 Outlook We are planning an aggregate gross risk-weighted asset (total RWA) reduction of EUR 16 billion in selected markets by the end of 2017 (based on total RWA as at 31 December 2014: EUR 68.7 billion). We intend to partly offset the reduction with growth in other business areas. After the implementation of the new strategic measures, the cost base should be 20 per cent below the level of 2014 (at constant prices and foreign exchange rates; general administrative expenses 2014: EUR 3,024 million). We further aim to achieve a cost/income ratio of between 50 and 55 per cent in the medium term. We aim for a return on equity before tax of approximately 14 per cent and a consolidated return on equity of approximately 11 per cent in the medium term. We currently expect a small consolidated profit for 2015 as the majority of the restructuring costs will be incurred after 2015 (we assume restructuring costs of around EUR 100 million for 2015). We expect net provisioning for impairment losses to remain elevated in 2015; however, we anticipate that the requirement will be below the level of the previous year (2014: EUR 1,716 million). We target a CET1 ratio (fully loaded) of 12 per cent and a total capital ratio (fully loaded) of 16 per cent by the end of 2017. For further information please contact: Susanne E. Langer Head of Group Investor Relations Spokesperson Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna, Austria ir@rbinternational.com phone +43-1-71 707-2089 www.rbinternational.com 12.11.2015 The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. Media archive at www.dgap-medientreff.de and www.dgap.de --------------------------------------------------------------------------- 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: Wien (Amtlicher Handel / Official Market) End of Announcement DGAP News-Service ---------------------------------------------------------------------------