12.11.2020, 4032 Zeichen

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Financial Figures/Balance Sheet
Vienna, 12 November 2020 -
Net interest income down 2% year-on-year due to the depreciation of several CEE currencies and key rate cuts; net fee and commission income down 3%, largely due to the lockdowns in the second quarter\nGeneral administrative expenses down 4% year-on-year\nLoans to customers stable YTD in EUR terms, while up in most countries in local currencies\nProvisioning ratio of 0.72% in the first nine months; increase primarily driven by COVID-19 effects\nConsolidated profit of EUR 599 million, negatively impacted by higher risk costs and impairments on companies valued at equity (other result)\nNet interest margin declined by 20 bps quarter-on-quarter to 2.00% mainly due to key rate cuts\nNPE ratio and NPE coverage ratio slightly improved YTD to 1.9% and 63.8%, respectively\nCET1 ratio of 13.1% (including result); 2019 initial dividend proposal remains deducted from CET1 ratio (41 bps)\nIncome statement in 1-9/2020 1-9/2019 Q3/2020 Q2/2020 EUR million Net interest 2,476 2,531 770 825 income Net fee and commission 1,272 1,307 433 392 income Net trading income and fair 95 (87) 33 25 value result General administrative (2,164) (2,245) (690) (719) expenses Other result (211) (68) (38) (91) Levies and special (173) (141) (7) (38) governmental measures Impairment losses on (497) (80) (185) (158) financial assets Profit before 920 1,299 354 279 tax Profit after 679 985 259 213 tax Consolidated 599 874 230 192 profit

Balance sheet in EUR 30/9/2020 31/12/2019 million Loans to customers 91,711 91,204 Deposits from customers 99,800 96,214 Total assets 164,779 152,200 Total risk-weighted 80,146 77,966 assets (RWA)

Key ratios 30/9/2020 31/12/2019 NPE ratio 1.9% 2.1% NPE coverage ratio 63.8% 61.0% CET1 ratio (including 13.1% 13.9% result) Total capital ratio 17.8% 17.9% (including result)

Key ratios 1-9/2020 1-9/2019 Q3/2020 Q2/2020 Net interest margin (average 2.21% 2.43% 2.00% 2.21% interest- bearing assets) Cost/income 54.6% 58.6% 54.2% 55.9% ratio Provisioning ratio (average 0.72% 0.13% 0.79% 0.69% loans to customers) Consolidated return on 6.4% 10.4% 7.5% 6.2% equity Earnings per 1.66 2.52 0.64 0.54 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
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