DGAP-Adhoc

Raiffeisen Bank International AG: Third Quarter Report 2014

Raiffeisen Bank International AG / Key word(s): 9-month figures

20.11.2014 07:32

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.

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- Net interest income of EUR 2,894 mn (up 4.2% y-o-y)
- Net trading income of EUR 38 mn (down 84.0% y-o-y) impacted by currency
driven valuation losses in Ukraine and Russia
- General administrative expenses decreased to EUR 2,295 mn (down 5.5%
y-o-y) primarily driven by FX effects
- Net provisioning for impairment losses increased to EUR 1,083 mn (up
35.4% y-o-y)
- Profit before tax decreased to EUR 502 mn (down 27.9% y-o-y)
- Consolidated profit decreased to EUR 225 mn (down 45.2% y-o-y)
- NPL ratio at 11.1% (up 0.4PP compared to FY 2013)
- NPL coverage ratio increased to 65.4% (up 2.3PP compared to FY 2013)
- Common equity tier 1 ratio: CET1 (fully loaded) 10.2%; CET1
(transitional) 11.0%
- Leverage ratio of 6.1% comfortably surpasses the 3% envisaged regulatory
ratio


Income Statement in EUR mn 1-9/2014 1-9/2013 Q3/2014 Q2/2014
Net interest income 2,894 2,776 940 975
Net provisioning for
impairment losses (1,083) (800) (515) (287)
Net interest income after
provisioning 1,811 1,977 425 688
Net fee and commission
income 1,168 1,203 404 389
Net trading income 38 240 30 28
General administrative
expenses (2,295) (2,430) (776) (764)
Net income from derivatives
and liabilities 60 (243) 103 (15)
Net income from financial
investments 101 73 23 42
Profit before tax 502 696 (16) 278
Profit after tax 259 461 (112) 198
Consolidated profit 225 411 (119) 183

Balance Sheet in EUR mn 30/9/14 31/12/13
Equity 9,819 10,364
Total assets 132,016 130,640
NPL ratio 11.1% 10.7%
NPL coverage ratio 65.4% 63.1%

Bank Specific Information 30/9/14 31/12/13
Common equity tier 1 ratio