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EQS-Ad-hoc: Raiffeisen Bank International AG / Key word(s): Preliminary Results
Raiffeisen Bank International AG: Preliminary Results 2022 - Consolidated profit of EUR 3.6 billion in 2022, driven by significant increase in core revenues – Guidance 2023

31-Jan-2023 / 19:58 CET/CEST
Disclosure of an inside information acc. to Article 17 MAR of the Regulation (EU) No 596/2014, transmitted by EQS News - a service of EQS Group AG.
The issuer is solely responsible for the content of this announcement.

Excluding Russia and Belarus, net interest income of EUR 3,399 million, up 37% year-over-year due to higher interest rates and volumes
Net fee and commission income excluding Russia and Belarus of EUR 1,739 million, up 16% year-over-year
Net trading income and fair value result, excluding Russia and Belarus, up EUR 179 million year-over-year, due to increased FX market making activities and credit spreads of own issues
Customer loan growth of 6% (excl. Russia and Belarus) with double digit growth in key CE and SEE markets
EUR 982 million consolidated profit (up 35% year-over-year), excluding Russia and Belarus as well as gain on sale of the Bulgarian units (EUR 453 million)
Risk costs of EUR 949 million, of which EUR 490 million booked in Russia and Belarus, and build-up of risk overlays (provisioning ratio of 0.73%); NPE ratio unchanged from previous year at 1.6%
CET1 ratio at 16.0% (transitional, incl. result), driven by strong consolidated profit and RWA optimization; 14.0% excluding Russia
From the current perspective earnings from Russia and Belarus cannot be distributed
The board will recommend a dividend of up to EUR 0.80 per share from the net profit for financial year 2022 although the timing of the decision is uncertain and unlikely to be made at the upcoming AGM (30 March 2023). The date of the decision and a resolution in an EGM will be chosen subject to capital ratios and ongoing strategic considerations.

Income Statement in EUR million	1-12/2022	1-12/2021	Q4/2022	Q3/2022
Net interest income	5,053	3,327	1,462	1,392
Net fee and commission income	3,878	1,985	1,196	1,117
Net trading income and fair value result	663	53	192	155
General administrative expenses	(3,552)	(2,978)	(978)	(925)
Operating result	6,158	2,592	1,882	1,775
Other result	(667)	(295)	(442)	(118)
Governmental measures and compulsory contributions	(337)	(213)	(52)	(44)
Impairment losses on financial assets	(949)	(295)	(228)	(160)
Profit/loss before tax	4,203	1,790	1,160	1,453
Profit/loss after tax from continuing operations	3,344	1,422	890	1,156
Profit/loss from discontinuing operations	453	86	0	0
Consolidated profit	3,627	1,372	826	1,089

Balance Sheet in EUR million	31/12/2022	31/12/2021
Loans to customers	103,230	100,832
Deposits from customers	125,099	115,153
Total assets	207,057	192,101
Total risk-weighted assets (RWA)	97,680	89,928

Bank-specific information	31/12/2022	31/12/2021
NPE ratio	1.6%	1.6%
NPE coverage ratio	59.0%	62.5%
CET1 ratio	16.0%	13.1%
Total capital ratio	20.2%	17.6%

Key ratios	1-12/2022	1-12/2021	Q4/2022	Q3/2022
Net interest margin (average interest-bearing assets)	2.59%	2.01%	2.85%	2.71%
Cost/income ratio	36.6%	53.5%	34.2%	34.3%
Provisioning ratio (average loans to customers)	0.73%	0.30%	0.90%	0.43%
Consolidated return on equity	26.8%	10.9%	24.1%	31.2%
Earnings per share in EUR	10.76	3.89	2.44	3.24

The data contained in this release is based on unaudited figures.

Guidance 2023

	RBI	RBI excl. RU/BY
Net interest income	EUR 4.5-4.7 bn	EUR 3.2-3.4 bn
Net fee and commission income	EUR 2.4-2.5 bn	around EUR 1.6 bn
Loans to customers (growth)	2%-4%	3%-5%
General administrative expenses	EUR 3.6-3.7 bn	EUR 2.9-3.0 bn
Cost/income ratio	48%-50%	55%-57%
Impairment losses on financial assets (before use of overlays)	up to 90 bps	up to 75 bps
Consolidated return on equity	around 10%	around 7%
CET1 ratio at year-end 2023	above 15%	above 13.5%*

* ‘P/B Zero’ Russia deconsolidation scenario

Any decision on dividends will be based on the capital position of the Group excluding Russia.

Medium term return on equity and payout ratio targets are suspended due to current uncertainties in Eastern Europe.

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

31-Jan-2023 CET/CEST News transmitted by EQS Group AG. www.eqs.com

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:	Regulated Unofficial Market in Berlin, Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate Exchange; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market)
EQS News ID:	1548189


End of Announcement	EQS News Service

1548189 31-Jan-2023 CET/CEST

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