EANS-News: Semi-Annual Financial Report 2020 Raiffeisen Bank International AG / Core revenues stable; EUR 368 million consolidated profit negatively impacted by COVID-19

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Mid Year Results

Vienna –

* Core revenues stable year-on-year, with net interest income up 2% and net fee and commission income unchanged (lower quarter-on-quarter due to lockdown)

* Customer loans grew by 3% year-to-date despite substantial depreciation of local currencies

* Provisioning ratio of 0.67% in the first half of the year; increase primarily driven by COVID-19 effects

* Consolidated profit of EUR 368 million, negatively impacted by higher risk costs and impairments on companies valued at equity (other result)

* Net interest margin declined by 22 bps quarter-on-quarter to 2.21%

* NPE ratio and NPE coverage ratio improved slightly to 1.9% and 63.3%, respectively

* CET1 ratio of 13.2% (including result)

Income
Statement in 1-6/2020 1-6/2019 Q2/2020 Q1/2020
EUR million
Net interest 1,706 1,664 825 881
income
Net fee and
commission 840 839 392 448
income
Net trading
income and fair 62 (79) 25 37
value result
General
administrative (1,474) (1,497) (719) (755)
expenses
Other result (173) (33) (91) (82)
Levies and
special (166) (130) (38) (128)
governmental
measures
Impairment
losses on (312) (12) (158) (153)
financial
assets
Profit before 566 834 279 286
tax
Profit after 420 643 213 207
tax
Consolidated 368 571 192 177
profit

Balance Sheet in EUR 30/6/2020 31/12/2019
million
Loans to customers 93,876 91,204
Deposits from customers 98,686 96,214
Total assets 163,761 152,200
Total risk-weighted 80,490 77,966
assets (RWA)

Key ratios 30/6/2020 31/12/2019
NPE ratio 1.9% 2.1%
NPE coverage ratio 63.3% 61.0%
CET1 ratio (including 13.2% 13.9%
result)
Total capital ratio 17.5% 17.9%
(including result)

Key ratios 1-6/2020 1-6/2019 Q2/2020 Q1/2020
Net interest
margin (average 2.31% 2.42% 2.21% 2.43%
interest
bearing assets)
Cost/income 54.8% 59.7% 55.9% 53.8%
ratio
Provisioning
ratio (average 0.67% 0.02% 0.69% 0.66%
loans to
customers)
Consolidated
return on 5.9% 10.1% 6.2% 5.6%
equity
Earnings per 1.03 1.64 0.54 0.49
share in EUR

Outlook

The Outlook remains unchanged.

end of announcement euro adhoc

issuer: Raiffeisen Bank International AG
Am Stadtpark 9
A-1030 Wien
phone: +43 1 71707-2089
FAX: +43 1 71707-2138
mail: ir@rbinternational.com
WWW: www.rbinternational.com
ISIN: AT0000606306
indexes: ATX
stockmarkets: Wien, Luxembourg Stock Exchange
language: English

Digital press kit: http://www.ots.at/pressemappe/5366/aom

John P. Carlson
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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