Ad-hoc-Announcement Quarter Results Raiffeisen International Bank-Holding AG: Interim report for the 3rd quarter of 2007 Ad hoc announcement transmitted by DGAP - a company of EquityStory AG. The issuer is solely responsible for the content of this announcement. ------------------------------------------------------------------------------ – Consolidated profit of EUR 625.7 mn up by 43.1% year-on-year (1-9/2006 excl. one-offs: EUR 437.4 mn) – Improved ROE before tax of 28.0% compared to 26.5% 1-9/2006 (excluding one-offs) – Retail segment contribution of 37% due to strong growth in retail profit (1-9/2006: 34%) – Cost/income ratio improves to 56.2% from 56.9% year-on-year – Balance sheet total exceeds EUR 67.5 bn a plus of 34.1% compared to 30 September 2006 and a gain of 20.8% compared to year-end 2006 – Number of customers increases to more than 13 mn and number of branches to more than 3,000 – Outlook unchanged: For 2007 we target a consolidated profit of at least EUR 750 mn 1-9/ 1-9/ 7-9/ 7-9/ Income Statement in EUR mn 2007 2006 2007 2006 Net interest income 1,703.8 1,250.7 625.0 460.9 Provisioning for impairment losses (242.1) (229.3) (88.8) (104.3) Net interest income after provisioning 1,461.7 1,021.4 536.2 356.6 Net commission income 895.0 660.9 322.8 245.4 Trading profit 120.8 111.9 41.4 40.5 General administrative expenses (1,537.7) (1,156.4) (535.0) (412.2) Profit before tax 953.4 650.6 346.8 229.6 Profit after tax 736.6 509.4 259.6 175.8 Consolidated profit (after minorities) 625.7 437.4 224.3 148.2 Balance Sheet in EUR mn 30/09/07 31/12/06 Equity (incl. minorities and profit) 5,225 4,590 Balance sheet total 67,503 55,867 Bank Specific Information 30/09/07 31/12/06 Core capital ratio (Tier 1), banking book 8.3% 9.8% Core capital ratio (Tier 1), incl. market risk 7.7% 9.0% Own funds ratio 9.7% 11.0% Performance 1-9/2007 1-9/2006 Return on equity (ROE) before tax 28.0% 26.5% Consolidated return on equity 21.2% 21.2% Cost/income ratio 56.2% 56.9% Risk/earnings ratio 14.2% 18.3% Earnings per share in EUR 4.40 3.78 Resources 30/09/07 31/12/06 Number of staff 57,019 52,732 Business outlets 3,023 2,848 Note: All 2006 figures are excluding the sale of the minority stake in Bank TuranAlem. For further information please contact: Susanne Langer Vice President Investor Relations Raiffeisen International Bank-Holding AG Am Stadtpark 9 A-1030 Vienna investor.relations@ri.co.at phone +43-1-71707-2089 http://www.ri.co.at (c)DGAP 08.11.2007 --------------------------------------------------------------------------- Language: English Issuer: Raiffeisen International Bank-Holding AG Am Stadtpark 9 1030 Vienna Österreich Phone: +43-1-71707-2089 Fax: +43-1-71707-2138 E-mail: investor.relations@ri.co.at Internet: www.ri.co.at ISIN: AT0000606306 WKN: A0D9SU Listed: Freiverkehr in Berlin, München, Stuttgart; Open Market in Frankfurt; Foreign Exchange(s) Wien End of News DGAP News-Service ---------------------------------------------------------------------------