EQS-News: RBI 1-9/2023: Net interest income remains strong, CET1 ratio improve further
|
EQS-News: Raiffeisen Bank International AG
/ Key word(s): Quarter Results
RBI 1-9/2023: Net interest income remains strong, CET1 ratio improve further
03.11.2023 / 07:26 CET/CEST
The issuer is solely responsible for the content of this announcement.
RBI 1-9/2023: Net interest income remains strong, CET1 ratio improve further
- Profit after tax of EUR 1,186 million in 1-9/2023 excluding Russia and Belarus, up 29% (excluding Bulgaria in 2022)
- Core revenues excluding Russia and Belarus up 20% year-over-year to EUR 4,430 million, driven by net interest income
- CET1 ratio at 16.5% (transitional, incl. profit), excluding Russia 14.4%
- Significantly lower provisioning for impairment losses year-over-year (down EUR 470 million)
- Customer loans in Russia down EUR 2.7 billion year-to-date, supported by currency devaluation
- Provisions for CHF mortgages in Poland up EUR 1,338 million
| Income Statement in EUR million |
1-9/2023 |
1-9/2022 |
Q3/2023 |
Q2/2023 |
| Net interest income |
4,190 |
3,591 |
1,441 |
1,364 |
| Net fee and commission income |
2,364 |
2,682 |
667 |
732 |
| Net trading income and fair value result |
205 |
471 |
89 |
30 |
| General administrative expenses |
(2,874) |
(2,574) |
(878) |
(1,045) |
| Operating result |
4,030 |
4,275 |
1,369 |
1,152 |
| Other result |
(589) |
(225) |
(138) |
(354) |
| Governmental measures and compulsory contributions |
(259) |
(285) |
(22) |
(2) |
| Impairment losses on financial assets |
(251) |
(721) |
8 |
42 |
| Profit/loss before tax |
2,931 |
3,044 |
1,216 |
838 |
| Profit/loss after tax from continuing operations |
2,274 |
2,455 |
947 |
627 |
| Profit/loss from discontinuing operations |
0 |
453 |
0 |
0 |
| Consolidated profit |
2,114 |
2,801 |
879 |
578 |
| Balance Sheet in EUR million |
30/9/2023 |
31/12/2022 |
| Loans to customers |
101,931 |
103,230 |
| Deposits from customers |
121,233 |
125,099 |
| Total assets |
204,175 |
207,057 |
| Total risk-weighted assets (RWA) |
97,278 |
97,680 |
| Bank-specific information |
30/9/2023 |
31/12/2022 |
| NPE Ratio |
1.5% |
1.6% |
| NPE Coverage Ratio |
58.9% |
59.0% |
| CET1 ratio transitional (incl. profit) |
16.5% |
16.0% |
| Total capital ratio transitional (incl. profit) |
20.7% |
20.2% |
| Key ratios |
1-9/2023 |
1-9/2022 |
Q3/2023 |
Q2/2023 |
| Net interest margin (Ø interest-bearing assets) |
2.81% |
2.49% |
2.95% |
2.74% |
| Cost/Income Ratio |
41.6% |
37.6% |
39.1% |
47.6% |
| Provisioning ratio (Ø loans to customers) |
0.25% |
0.71% |
–% |
(0.19%) |
| Consolidated return on equity |
17.4% |
27.6% |
22.7% |
14.1% |
| Earnings per share in EUR |
6.19 |
8.31 |
2.59 |
1.68 |
Outlook
| Outlook 2023 |
RBI excl. RU/BY |
RBI |
| Net interest income in EUR |
4.2-4.3 bn |
5.6-5.7 bn |
| Net fee and commission income in EUR |
around 1.8 bn |
2.9-3.0 bn |
| Loans to customers (growth) |
around 2% |
minus 1% |
| General administrative expenses in EUR |
around 3.1 bn |
around 4.0 bn |
| Cost/income ratio |
around 50% |
43-45% |
| Impairment losses on financial assets (before use of overlays) |
around 30 bps |
around 40 bps |
| Consolidated return on equity |
around 10% |
around 16% |
| CET1 ratio at year-end 2023 |
above 13.5%* |
around 16.5% |
| *P/B Zero’ Russia deconsolidation scenario |
|
|
For further information please contact:
John P. Carlson, CFA
Group Investor Relations
Raiffeisen Bank International AG
Am Stadtpark 9
1030 Vienna, Austria
[email protected]
phone +43-1-71 707-2089
www.rbinternational.com
03.11.2023 CET/CEST This Corporate News was distributed by EQS Group AG. www.eqs.com
|
| 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: |
Regulated Unofficial Market in Berlin, Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate Exchange; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) |
| EQS News ID: |
1764187 |
| |
| End of News |
EQS News Service |
1764187 03.11.2023 CET/CEST
|
Die wichtigsten Finanzdaten auf einen Blick
|
| |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
| Umsatzerlöse1 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| EBITDA1,2 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| EBITDA-Marge3 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
|
| EBIT1,4 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| EBIT-Marge5 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| Jahresüberschuss1 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| Netto-Marge6 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| Cashflow1,7 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| Ergebnis je Aktie8 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
| Dividende8 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
Quelle: boersengefluester.de und Firmenangaben
1 in Mio. Euro; 2 EBITDA = Ergebnis vor Zinsen, Steuern und Abschreibungen; 3 EBITDA in Relation zum Umsatz; 4 EBIT = Ergebnis vor Zinsen und Steuern; 5 EBIT in Relation zum Umsatz; 6 Jahresüberschuss (-fehlbetrag) in Relation zum Umsatz; 7 Cashflow aus der gewöhnlichen Geschäftstätigkeit; 8 in Euro; Quelle: boersengefluester.de
Wirtschaftsprüfer:
|
| INVESTOR-INFORMATIONEN |
| ©boersengefluester.de |
|
| WKN |
Kurs in € |
Einschätzung |
Börsenwert in Mio. € |
|
0,000 |
|
0,00 |
| KGV 2025e |
KGV 10Y-Ø |
BGFL-Ratio |
Shiller-KGV |
| 0,00 |
0,00 |
0,00 |
0,00 |
| KBV |
KCV |
KUV |
EV/EBITDA |
| 0,00 |
0,00 |
0,00 |
0,00 |
| Dividende '22 in € |
Dividende '23 in € |
Div.-Rendite '23
in % |
Hauptversammlung |
| 0,00 |
0,00 |
0,00 |
|
| Q1-Zahlen |
Q2-Zahlen |
Q3-Zahlen |
Bilanz-PK |
|
|
|
|
| Abstand 60Tage-Linie |
Abstand 200Tage-Linie |
Performance YtD |
Performance 52 Wochen |
| 0,00% |
0,00% |
0,00% |
0,00% |
|
|
Raiffeisen Bank International AG AT0000606306