Ad-hoc | 9 August 2007 07:31


Raiffeisen International Bank-Holding AG: Semi-Annual Report 2007

Raiffeisen International Bank-Holding AG / Quarter Results

Release of an 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 401.4 mn up by 38.8% year-on-year (1-6/2006:
    EUR 289.2 mn)

  – Improved ROE before tax of 26.6% compared to 1-6/2006 (25.7%)

  – Balance sheet total exceeds EUR 62.6 bn, a plus of 35.2% compared to 30
    June 2006 and a gain of 12.1% compared to year-end 2006

  – Retail segment contribution of 37% due to strong growth in retail
    profit (1-6/2006: 30%)

  – Cost/income ratio improves from 57.9% to 57.3% year-on-year

  – For 2007 we target a consolidated profit of at least EUR 750 million.

  – We are currently evaluating the possibility of a capital increase that,
    depending on prevailing market conditions, could be implemented within
    the next six months.


                                      1-6/      1-6/     4-6/     4-6/
Income Statement in EUR mn            2007      2006     2007     2006

Net interest income                   1,078.8   789.8    573.8    411.6
Provisioning for impairment losses    (153.3)   (125.0)  (77.4)   (69.6)
Net interest income after
provisioning                          925.5     664.8    496.4    342.0
Net commission income                 572.2     415.6    297.2    230.6
Trading profit                        79.3      71.3     43.7     41.4
General administrative expenses      (1,002.7) (744.2)  (526.2)  (396.6)
Profit before tax                     606.6     421.0    314.1    227.2
Profit after tax                      477.0     333.5    246.3    182.1
Consolidated profit (after
minorities)                           401.4     289.2    208.8    165.0

Balance Sheet in EUR mn               30/06     31/12/
                                      2007      2006

Equity (incl. minorities and profit)  4,994     4,590
Balance-sheet total                   62,644    55,867

Bank Specific Information             30/06/    31/12/
                                      2007      2006

Core capital ratio (Tier 1), banking
book                                  9.0%      9.8%
Core capital ratio (Tier 1), incl.
market risk                           8.3%      9.0%
Own funds ratio                       10.2%     11.0%

Performance                           1-6/      1-6/
                                      2007      2006

Return on equity (ROE) before tax     26.6%     25.7%
Consolidated return on equity         20.3%     20.8%
Cost/income ratio                     57.3%     57.9%
Risk/earnings ratio                   14.2%     15.8%
Earnings per share in EUR             2.82      2.03

Resources                             30/06/    31/12/
                                      2007      2006

Number of staff                       55,195    52,732
Business outlets                      2,956     2,848


THESE MATERIALS ARE NOT AN OFFER FOR SALE OF SECURITIES IN THE UNITED STATES OR ANY OTHER JURISDICTION. SECURITIES OF RAIFFEISEN INTERNATIONAL HAVE NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD IN THE UNITED STATES ABSENT REGISTRATION OR AN EXEMPTION FROM REGISTRATION. 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 DGAP 09.08.2007 ---------------------------------------------------------------------- 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 Indices: Listed: Amtlicher Markt in Wien; Freiverkehr in Berlin, Stuttgart, München; Open Market in Frankfurt End of News DGAP News-Service ---------------------------------------------------------------------------