Ad hoc announcement Raiffeisen Bank International AG / Keyword(s): Quarter Results/Weiteres Schlagwort Raiffeisen Bank International AG: Third Quarter Report 2012 Ad hoc announcement transmitted by DGAP - a company of EquityStory AG. The issuer is solely responsible for the content of this announcement. ------------------------------------------------------------------------------ - Net interest income of EUR 2,596 mn (down 4.7% y-o-y) - Operating income of EUR 3,885 mn (down 5.2% y-o-y) - General administrative expenses increased to EUR 2,336 mn (up 2.2% y-o-y) - Net provisioning for impairment losses fell to EUR 623 mn (down 20.2% y-o-y) - One-off items of EUR 272 mn in Q1 - Profit before tax improved to EUR 1,115 mn (up 8.1% y-o-y) - Consolidated profit considerably increased to EUR 842 mn (up 13.0% y-o-y) - NPL ratio increased to 10.0% (up 1.4 PP compared to FY 2011) - Coverage ratio declined to 65.8% (down 2.6 PP compared to FY 2011) - Core Tier 1 ratio (total risk) significantly increased to 10.2% (up 1.1 PP compared to FY 2011) - Tier 1 ratio (total risk) increased to 10.7% (up 0.8 PP compared to FY 2011) Income Statement in EUR mn 1-9/2012 1-9/2011 7-9/2012 7-9/2011 Net interest income 2,596 2,724 834 943 Net provisioning for impairment losses (623) (782) (224) (377) Net interest income after provisioning 1,973 1,942 611 566 Net fee and commission income 1,120 1,125 400 388 Net trading income 220 293 54 37 General administrative expenses (2,336) (2,287) (818) (772) Profit before tax 1,115 1,032 188 153 Profit after tax 889 760 155 82 Consolidated profit 842 745 141 130 Balance Sheet in EUR mn 30/9/12 31/12/11 Equity 11,136 10,936 Total assets 147,128 146,985 Bank Specific Information 30/9/12 31/12/11 Core tier 1 ratio (total risk) 10.2% 9.0% Tier 1 ratio (credit risk) 13.1% 12.2% Tier 1 ratio (total risk) 10.7% 9.9% Own funds ratio 14.8% 13.5% Performance 1-9/2012 1-9/2011 Return on equity (ROE) before tax 14.1% 13.6% Consolidated return on equity 11.7% 11.0% Cost/income ratio 60.1% 55.8% Earnings per share in EUR 3.55 3.06 Resources 30/9/12 31/12/11 Number of staff 60,632 59,261 Business outlets 3,115 2,928 The outlook is summarized as follows: - With the inclusion of the acquisition of Polbank, we are aiming for a return on equity before tax of around 15 per cent in the medium term. - In 2012, we expect a stable business volume due to the economic environment and restrictive regulatory requirements. - Depending on market developments, a capital increase continues to be a possible option. - We expect a slight increase in the volume of non-performing loans in the next months and the net provisioning ratio to remain stable or increase slightly. - Bank levies in Austria and CEE will presumably result in a negative earnings effect of some EUR 160 million in 2012. - The funding requirement for 2012 is fully covered. - Without taking Polbank into account, we expect a flat cost development at Group level, whilst including Polbank we expect a slight cost increase. For further information please contact: Susanne Langer Head of Group Investor Relations Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna, Austria ir@rbinternational.com phone +43-1-71707-2089 www.rbinternational.com 28.11.2012 DGAP’s Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. Media archive at www.dgap-medientreff.de and www.dgap.de --------------------------------------------------------------------------- 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: Freiverkehr in Berlin, München, Stuttgart; Open Market in Frankfurt; Wien (Amtlicher Handel / Official Market) End of Announcement DGAP News-Service ---------------------------------------------------------------------------