RBI Reports Strong Net Interest Income and Improved CET1 Ratio for Q1-9/2023

EQS-News: Raiffeisen Bank International AG / Keyword(s): Quarterly results RBI 1-9/2023: Net interest income remains strong, CET1 ratio further improved November 3rd, 2023 / 07:26 CET/CEST The issuer/publisher is responsible for the content of the announcement responsible. ════════════════════════════════════════ ══════════ ════════════════════════ RBI 1-9/2023: Net interest income remains strong, CET1 ratio further improved • Earnings after taxes excluding Russia and Belarus of the first nine Months of EUR 1,186 million, increase of 29% (excluding Bulgaria in 2022) • Core income excluding Russia and Belarus increased by 20% year-on-year to EUR 4,430 million, driven by net interest income • Common Equity Tier 1 capital ratio at 16.5% (transitional, incl . Result), excluding Russia 14.4% • Significantly lower loan loss provisions year-on-year (decrease by EUR 470 million) • Decrease in customer loans in Russia by EUR 2.7 billion since the beginning of the year, increased by currency devaluation • Provisions for CHF loans in Poland EUR 1,338 million increased Income statement in EUR million 1-9/2023 1-9/2022 Q3/2023 Q2/2023 Net interest income 4,190 3,591 1,441 1,364 Net commission income 2,364 2,682 667 732 Trading result and result from fair value 205 471 89 30 Administrative expenses (2,874) (2,574) (878) (1,045) Operating result 4,030 4,275 1,369 1,152 Other comprehensive income (589) (225) (138) (354) Government measures and mandatory levies (259) (285) (22) (2) Impairment of financial assets (251 ) (721) 8 42 Earnings before taxes 2,931 3,044 1,216 838 Earnings after taxes from continuing operations 2,274 2,455 947 627 Earnings from discontinued operations 0 453 0 0 Consolidated profit 2,114 2,801 879 578 Balance sheet in EUR million 30/9/2023 31/ 12/2022 Receivables from customers 101,931 103,230 Liabilities to customers 121,233 125,099 Total assets 204,175 207,057 Total risk-weighted assets (RWA) 97,278 97,680 Bank-specific key figures 30/9/2023 31/12/2022 NPE ratio 1.5% 1.6% N PE coverage ratio 58.9% 59.0% Common Equity Tier 1 capital ratio (transitional, including earnings) 16.5% 16.0% Equity ratio (transitional, including earnings) 20.7% 20.2% Key figures 1-9/2023 1-9/2022 Q3/ 2023 Q2/2023 Net interest margin (Ø interest-bearing assets) 2.81% 2.49% 2.95% 2.74% Cost/Income Ratio 41.6% 37.6% 39.1% 47.6% New creation rate (Ø receivables to customers) 0.25% 0.71% –% (0.19%) Group return on equity 17.4% 27.6% 22.7% 14.1% Earnings per share in EUR 6.19 8.31 2.59 1.68 Outlook Outlook 2023 RBI without RU/BY RBI Net interest income in EUR 4.2-4.3 billion 5.6-5.7 billion Net commission income in EUR around 1.8 billion 2, 9-3.0 billion Receivables from customers (growth) around 2% minus 1% Administrative expenses in EUR around 3.1 billion around 4.0 billion Cost/income ratio around 50% 43-45% Impairment of financial assets ( before taking into account overlays) around 30 BP around 40 BP Group return on equity around 10% around 16% CET1 capital ratio at the end of the year over 13.5%* around 16.5% *Assuming a deconsolidation of the Russian unit at the price Book value ratio of zero For further information please contact: John P. Carlson, CFA 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

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════════════════════════════════════════ ══════════ ════════════════════════ Language: German Company: Raiffeisen Bank International AG Am Stadtpark 9 A-1030 Vienna Austria Telephone: +43-1-71707- 2089 Fax: +43-1-71707-2138 Email: ir@rbinternational.com
Internet: www.rbinternational.com
ISIN: AT0000606306 WKN: A0D9SU Stock exchanges: open market in Berlin, Düsseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate Exchange; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (official trading) EQS News ID: 1764187 End of announcement EQS News Service 1764187 03.11.2023 CET/CEST