Ad hoc announcement Raiffeisen Bank International AG / Keyword(s): Quarter Results/9-month figures Raiffeisen Bank International AG: Third Quarter Report 2013 Ad hoc announcement transmitted by DGAP - a company of EQS Group AG. The issuer is solely responsible for the content of this announcement. ------------------------------------------------------------------------------ - Net interest income of EUR 2,776 mn (up 7.0% y-o-y) - General administrative expenses increased to EUR 2,430 mn (up 4.0% y-o-y) primarily due to Polbank integration and salary adjustments in Russia - Net provisioning for impairment losses increased to EUR 800 mn (up 28.3% y-o-y) - Net income from financial investments fell to EUR 73 mn (minus EUR 226 mn, primarily due to sale of security portfolio in prior year) - Net income from derivatives and liabilities of minus EUR 243 mn (down EUR 135 mn, mainly affected by valuation effects from credit spreads on own liabilities and gain from hybrid tier 1 buyback in H1 2012) - Profit before tax declined to EUR 696 mn (down 37.6% y-o-y) - Tax rate of 34% (up 14PP y-o-y) due to valuations and other items which are not fully tax deductible - Consolidated profit decreased to EUR 411 mn (down 51.2% y-o-y) - Core tier 1 ratio of 10.1% (total risk); including 9M retained earnings 10.2% - Leverage ratio of 5.4% comfortably surpasses the 3% envisaged regulatory ratio Income Statement in EUR mn 1-9/2013 1-9/2012 7-9/2013 7-9/2012 Net interest income 2,776 2,596 940 834 Net provisioning for impairment losses (800) (623) (330) (224) Net interest income after provisioning 1,977 1,973 610 611 Net fee and commission income 1,203 1,120 417 400 Net trading income 240 220 100 54 General administrative expenses (2,430) (2,336) (813) (818) Net income from derivatives and liabilities (243) (108) (56) (88) Net income from financial investments 73 299 9 46 Profit before tax 696 1,115 229 188 Profit after tax 461 889 149 155 Consolidated profit 411 842 134 142 Balance Sheet in EUR mn 30/9/13 31/12/12 Equity 10,354 10,873 Total assets 131,034 136,116 NPL ratio 10.3% 9.8% NPL coverage ratio 66.1% 67.0% Bank Specific Information 30/9/13 31/12/12 Core tier 1 ratio (total risk) 10.1% 10.7% Tier 1 ratio (credit risk) 12.9% 13.6% Tier 1 ratio (total risk) 10.6% 11.2% Performance 1-9/2013 1-9/2012 Net interest margin 3.08% 2.60% Return on equity before tax 8.6% 14.1% Consolidated return on equity 5.4% 11.7% Cost/income ratio 56.9% 58.4% Earnings per share in EUR 1.34 3.55 Resources 30/9/13 31/12/12 Employees 58,772 60,084 Business outlets 3,051 3,106 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 +43-1-71 707-2089 www.rbinternational.com 27.11.2013 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; Frankfurt in Open Market ; Wien (Amtlicher Handel / Official Market) End of Announcement DGAP News-Service ---------------------------------------------------------------------------