DGAP-News: Raiffeisen Bank International AG / Key word(s): Half Year Results Raiffeisen Bank International AG: Semi-Annual Financial Report 2018 09.08.2018 / 07:32 The issuer is solely responsible for the content of this announcement. --------------------------------------------------------------------------- RBI: Semi-Annual Financial Report 2018 - Consolidated profit of EUR 756 mn (up 29% year-on-year), including EUR 121 mn expected loss from sale of Polish core banking operations - Operating income up 5% year-on-year supported by net interest income - Exceptionally high releases of loan loss provisions led to positive impairment losses on financial assets - Disposal of Polish core banking operations on track, closing expected in Q4/2018 - NPL ratio decreased further to 4.8% (of which 76bps organic reduction and 15bps due to pending sale of Polish core banking operations) - CET1 ratio at 12.8% (fully loaded) including YTD results - Inaugural green bond issued in June 2018 Income Statement in EUR million 1-6/201- 1-6/201- Q2/20- Q1/20- 8 7 18 18 Net interest income 1,663 1,593 834 829 Net fee and commission income 869 843 460 410 Net trading income and fair value result 16 27 18 (1) General administrative expenses (1,494) (1,503) (754) (740) Other result (94) 32 (121) 27 Levies and expenses from special (141) (131) (8) (132) governmental measures Impairment losses on financial assets 83 (100) 0 83 Profit before tax 1,024 849 496 529 Profit after tax 820 656 389 430 Consolidated profit 756 587 357 399 Balance Sheet in EUR million 30/06/2- 31/12/2- 018 017 Loans and advances to customers 77,895 77,745 (Loans and advances to customers incl. 82,085 77,745 Polish core banking operations) Deposits from customers 79,908 84,974 Total assets 143,556 135,146 Risk-weighted assets (total) 74,346 71,902 Key ratios 30/06/2- 31/12/2- 018 017 NPL ratio 4.8% 5.7% NPL coverage ratio 73.5% 67.0% CET1 ratio (fully loaded) 12.8% 12.7% CET1 ratio (transitional) 12.8% 12.9% Key ratios 1-6/201- 1-6/201- Q2/20- Q1/20- 8 7 18 18 Net interest margin 2.48% 2.44% 2.48% 2.49% Consolidated return on equity 15.5% 12.9% 14.6% 16.6% Cost/income ratio 56.0% 58.9% 54.7% 57.3% Earnings per share in EUR 2.21 1.79 1.04 1.17 Outlook We will pursue loan growth with an average yearly percentage increase in the mid-single digit area. Impairment losses on financial assets (risk costs) in 2018 are expected to be below the 2017 level. We anticipate that the NPL ratio will further reduce in the medium term. We aim to achieve a cost/income ratio of below 55 per cent in the medium term. In the coming years we target a consolidated return on equity of approximately 11 per cent. We target a CET1 ratio (fully loaded) of around 13 per cent post dividend in the medium term. Based on this target, we intend to distribute between 20 and 50 per cent (dividend payout ratio) of the consolidated profit. The sale of the core banking operations in Poland is not reflected in the targets in this outlook. For further information please contact: Susanne E. Langer Head of Group Investor Relations Spokesperson Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna, Austria [email protected] phone +43-1-71 707-2089 www.rbinternational.com --------------------------------------------------------------------------- 09.08.2018 Dissemination of a Corporate News, transmitted by DGAP - a service of EQS Group AG. The issuer is solely responsible for the content of this announcement. The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. Archive at 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: [email protected] Internet: www.rbinternational.com ISIN: AT0000606306 WKN: A0D9SU Listed: Foreign Exchange(s) Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) End of News DGAP News Service --------------------------------------------------------------------------- 712459 09.08.2018