Raiffeisen Bank International Ag · VIE:RBI
Raiffeisen Bank International — H1 2019 Earnings Presentation
62 slides from Raiffeisen Bank International's earnings presentation, Aug 8, 2019
Slide 1: Raiffeisen Bank International H1 2019 Results
Raiffeisen Bank International H1 2019 Results – 08 August 2019
Slide 2: Disclaimer
Disclaimer Certain statements contained herein may be statements of This presentation contains financial and non-financial professional experience in matters relating to investments falling future expectations and other forward-looking statements about information and statistical data relating to RB
Slide 3: Executive Summary
Executive Summary 01 02 03 04 Executive Financials Risk Management Appendix Summary JOHANN STROBL Group Investor Relations 08 August 2019 3
Slide 4: Executive Summary H1/2019
Executive Summary H1/2019 Operating Result Consolidated Profit (EUR mn) (EUR mn) -18% -24% • NII up ~8 % y-o-y excluding Poland; • Risk costs remain low; significant improved in most countries releases and writebacks in H1/2018 • Net fee and commission income up 1,175 • Other result improved followi
Slide 5: Financial Performance H1/2019
Financial Performance H1/2019 2.44 Net Interest y-o-y q-o-q 2.48 2.42 • Operating income down y-o-y while Margin (%) Operating income core revenues1 up 7% adjusted for Polish EUR 2,465 mn disposal; valuation losses on hedges (7.7%) 7.3% H1/2018 H1/2019 and on fair value liabilities neutralize over l
Slide 6: GAMS Corporate Clients: Tapping RBI's Cross-Border Potential
GAMS Corporate Clients: Tapping RBI’s Cross- Border Potential Key Initiatives for Execution 2019-2021 Drive digital transformation Broaden customer base Unlock revenue potential 2019 - 2021 Business with international corporate clients today Expanding our cross-border coverage Continue to grow ‘GAMS
Slide 7: Retail Business: Expanding Mobile Banking
Retail Business: Expanding Mobile Banking Retail Targets for 2021 Reach 55% mobile banking +15% active retail Outgrow market in selected penetration & increase digital sales customer base segments 2019 Current State of Mobile Banking Mobile Banking Upgrades ▪ Active mobile banking penetration steadi
Slide 8: Leveraging our Strong Position in Russia
Leveraging our Strong Position in Russia Q2/2019 developments Loans to customers by sector Retail lending by product ▪ EUR 128 mn profit after tax, stable q-o-q Other Energy Other 9% 5% 8% ▪ Loans to customers up 5.5% Industrials Personal and 6% Credit Cards other Consumer 18% Consumer ▪ Risk costs
Slide 9: Macro Outlook
Macro Outlook Development of Real GDP (%) General Market Trends Country 2017 2018 2019e 2020f ▪ In the CE region, several industry PMIs remained weak, while “hard” CE Czech Republic 4.5 2.9 2.4 2.2 economic data is holding up fairly well. Estimated 2019 growth in Hungary 4.1 4.9 4.2 3.1 Hungary and
Slide 10: Outlook and Targets
Outlook and Targets ▪ Loan Growth We will pursue loan growth with an average yearly percentage increase in the mid-single digit area ▪ Risk Costs The provisioning ratio for FY 2019 is expected to be below 45 basis points ▪ Asset Quality We anticipate that the NPE ratio will further reduce ▪ Cost / I
Slide 11: Financials
Financials 01 02 03 04 Executive Financials Risk Management Appendix Summary MARTIN GRÜLL Group Investor Relations 08 August 2019 11
Slide 12: Key Financials
Key Financials Profitability (in EUR mn) Q2/2019 Q1/2019 q-o-q Q2/2018 Change in consolidated profit (q-o-q) Net interest income 840 825 1.8% 834 7 Net fee and commission income 437 402 8.8% 460 (22) Operating income 1,276 1,189 7.3% 1,379 97 General administrative expenses (773) (724) 6.7% (754) Op
Slide 13: Operating Result
Operating Result Operating income • Net interest income up EUR 15 mn mainly due 35 26 11 to higher volumes and RUB appreciation 15 • NIM down 2 bps q-o-q to 2.40%, driven by GC&M (down 10 bps), partially offset by 7.3% 1,276 Romania (up 11 bps) and Russia (up 11 bps) 1,189 vs. Q1/19 • Net fee and co
Slide 14: Distribution of Profit after Tax – H1/2019
Distribution of Profit after Tax – H1/2019 In EUR mn 25.3% (12.5%) 2.2% (46.5%) 32.7% (21.5%) ∆ y-o-y 141 (313) 365 219 643 231 Central Europe Southeastern Eastern Europe Group Corporate Center RBI Group Europe Corporates & Markets & Reconciliation1 ▪ Czech Republic ▪ Albania ▪ Belarus ▪ Corporates
Slide 15: Central Europe Q2/2019
Central Europe Q2/2019 +1.9% +2.7% y-o-y q-o-q y-o-y q-o-q Net Interest Income Fees and Commissions 2.44 2.44 30,399 EUR 210 mn EUR 110 mn 28,468 29,022 29,602 (14.6%) +0.2% (24.6%) +2.8% Q1/2019 Q2/2019 Q1/2019 Q2/2019 General admin. expenses Provisioning Loans to customers Deposits EUR (180) mn (5
Slide 16: Southeastern Europe Q2/2019
Southeastern Europe Q2/2019 +2.7% +1.7% y-o-y q-o-q y-o-y q-o-q Net Interest Income Fees and Commissions 2.44 14,694 15,091 2.44 19,959 20,288 EUR 216 mn EUR 105 mn +8.9% +2.9% (2.3%) +9.2% Q1/2019 Q2/2019 Q1/2019 Q2/2019 General admin. expenses Provisioning Loans to customers Deposits EUR (172) mn
Slide 17: Eastern Europe Q2/2019
Eastern Europe Q2/2019 +5.5% +7.1% y-o-y q-o-q y-o-y q-o-q Net Interest Income Fees and Commissions 2.44 13,261 15,843 EUR 275 mn EUR 128 mn 12,565 14,797 +10.0% +7.6% +14.6% +14.1% Q1/2019 Q2/2019 Q1/2019 Q2/2019 General admin. expenses Provisioning Loans to customers Deposits EUR (174) mn 28 bps (
Slide 18: Group Corporates & Markets Q2/2019
Group Corporates & Markets Q2/2019 +2.1% +2.5% y-o-y q-o-q y-o-y q-o-q 2.44 Net Interest Income Fees and Commissions 2.44 EUR 149 mn EUR 92 mn 28,259 28,841 22,480 23,037 +2.6% +1.4% (5.2%) +3.7% Q1/2019 Q2/2019 Q1/2019 Q2/2019 General admin. expenses Provisioning Loans to customers RWA EUR (177) mn
Slide 19: Capital Ratios well above Requirements
Capital Ratios well above Requirements 18.0% 15.4% Incl. H1 results 13.8% min.15.07% Tier 2 2.00% min.13.07% min.11.57% AT1 1.50% 0.2% (0.3%) 0.5% CBR 4.82% 13.4% 13.8% Tier1 13.07% P2R 2.25% CET1 11.57% FY/2018 FX RWA HY Profit HY 2019 & Other incl. Profit Pillar 1 4.50% CET1 Tier 1 Total capital C
Slide 20: Funding and Liquidity
Funding and Liquidity Funding Structure (30/6/2019) Upcoming Senior Maturities1 (in EUR mn) ▪ 57% of Group funding from customer deposits (households and 1,254 non-financial corporations). Customer deposit inflow remained 1,087 strong in Q2/2019, with high stickiness despite low interest rates ▪ 17%
Slide 21: MREL Resolution Strategy
MREL Resolution Strategy RWA and Total Capital Ratio at Resolution Point of Entry1 ▪ RBI aims for a Multiple Point of Entry (MPE) resolution strategy, (30/6/2019) RWA (EUR bn) with each network unit forming a separate resolution group, in line with RBI’s group structure ▪ Each resolution group is ex
Slide 22: Risk Management
Risk Management 01 02 03 04 Executive Financials Risk Management Appendix Summary HANNES MÖSENBACHER Group Investor Relations 08 August 2019 22
Slide 23: Total Exposure and Credit Portfolio Development
Total Exposure and Credit Portfolio Development Total exposure by segments, in EUR bn, ∆ YTD RWA by category & segment, in EUR bn, ∆YTD Total RBI Group: EUR 183.0 bn, +5.0% Total RBI Group: EUR 75.6 bn, +4.1% GC&M +9.0% Market risk RWA 80.53 CE +1.3% 3.6 bn (6%) Operational risk RWA 48.66 7.6 bn (2%
Slide 24: GC&M Net Exposure
GC&M Net Exposure Net exposure by country Net exposure by customer type Around 85% of net exposure in GC&M from Austria and Western Europe1 Around 50% of net exposure from financial institutions, sovereigns and regional governments Insurance and Funds 2% Other 47.4% Project Finance 2% 44.3% 40.4% Ne
Slide 25: GC&M: Net Exposure in Corporates and FI
GC&M: Net Exposure in Corporates and FI Corporates net exposure: EUR 20 bn Financial institutions net exposure: EUR 7 bn 46.5% 47.3% 51.7% 51.8% Net Exposure Share Net Exposure Share 36.9% 35.9% RWA Share 32.9% RWA Share 18.6% 11.5% 7.4% 7.4% 6.6% 5.4% 5.2% 4.9% 6.3% 3.4% 3.1% 3.9% 4.6% 1.9% 1.7% 2.
Slide 26: Provisioning and Impairment
Provisioning and Impairment Provisioning & Impairment Country Developments Q2 2018 Q3 2018 Q4 2018 FY 2018 Q1 2018 Q2 2019 ▪ Low risk costs in Q2 (EUR 2 mn; EUR 12 mn YTD) Central Europe 1.19% 0.34% 0.38% 0.41% 0.09% driven by recoveries and NPE sales in Central 39 Europe (27) (28) (6) (0.54%) ▪ Hun
Slide 27: NPE Ratio and NPE Coverage
NPE Ratio and NPE Coverage NPE Ratio and NPE Coverage Ratio Asset Quality Developments YTD Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 NPE Stock ▪ NPE ratio down 30 bps to 2.3% for Group driven by Central Europe 58.9% 56.0% 57.2% 57.2% in EUR mn 54.9% writebacks and recoveries (EUR 348 mn), write offs Q
Slide 28: Appendix
Appendix 01 02 03 04 Executive Financials Risk Management Appendix Summary Group Investor Relations 08 August 2019 28
Slide 29: Geographic Footprint
Geographic Footprint Austria, 3 Central Europe (CE) Eastern Europe (EE) ◼ Loans: EUR 33.6 bn Southeastern Europe (SEE) ◼ Branches: 21 ◼ Leading regional player with Czech Republic, #5 Russia, #8 CEE presence of over 30 years ◼ Loans: EUR 11.6 bn ◼ Loans: EUR 10.5 bn servicing approx. 16 million ◼ Br
Slide 30: Raiffeisen Banking Group Structure
Raiffeisen Banking Group Structure ▪ Raiffeisen Banking Group (RBG) – largest banking group in Austria Raiffeisen Banking Group (RBG) with total assets of EUR 300.0 bn as of 31/12/2018 ▪ Solid funding profile of RBG based on a domestic market share of ~1.7 mn members (mainly private individuals) aro
Slide 31: Strategic Initiatives (1/2)
Strategic Initiatives (1/2) Q2/2019 Loans1 (y-o-y) Business mix2 Strategic focus Key initiatives Households Corporates3 Retail / Corporate Corporates Vienna EUR 19,695 mn (+20%) 100% ✓✓ • Increase sales efficiency through digitalization (front and back end) • Data-driven sales approach • Aiming for
Slide 32: Strategic Initiatives (2/2)
Strategic Initiatives (2/2) Q2/2019 Loans1 (y-o-y) Business mix2 Strategic focus Key initiatives Households Corporates3 Retail / Corporate • New PI and SME premium business model; increase credit card and Ukraine 14% unsecured lending EUR 1,590 mn (+14%) 84% ✓✓ ✓ • New corporate internet banking (e-
Slide 33: Five Pillars of Digitalization
Five Pillars of Digitalization We create an exceptional experience for our customers… INTEGRATION AGILE & STRONG DATA & DIGITAL EFFECTIVE LAYER X-FUNCTIONAL ANALYTICS OPERATIONAL GROUP-WIDE & OPEN APIS WORKING CAPABILITIES EXCELLENCE INNOVATION Create synergies and Build a collaborative Artificial I
Slide 34: Corporate Center/Reconciliation
Corporate Center/Reconciliation In EUR mn 1-6/2019 1-6/2018 y-o-y In EUR mn 1-6/2019 1-6/2018 y-o-y Operating income 641 678 (5.5%) Operating income (804) (726) 10.8% General admin. expenses (184) (159) 15.8% General admin. expenses 63 58 8.5% Operating result 457 520 (12.0%) Operating result (741)
Slide 35: Equity Overview
Equity Overview Cumulative other Subscribed Capital Retained comprehensive Consolidated Non-controlling Additional Total In EUR mn capital reserves earnings income equity interests tier 1 Equity Equity as at 31/12/2018 1,002 4,992 7,587 (2,994) 10,587 701 1,125 12,413 Impact of implementation IFRS 1
Slide 36: Regulatory Capital Overview
Regulatory Capital Overview Regulatory Capital Structure In EUR mn 30/6/2019 31/12/20181 Common equity tier 1 (before deductions) 11,125 10,436 Deduction items (723) (734) Common equity tier 1 (after deductions) 10,402 9,702 Additional tier 1 (after deductions) 1,236 1,226 Tier 1 (after deductions)
Slide 37: Maturity Profile
Maturity Profile Maturity Profile at 30/6/2019 (in EUR mn) 1,882 500 1,531 1,532 152 1,251 546 1,034 52 918 794 750 1,379 1,382 499 1,150 515 986 982 200 419 279 90 45 50 20 96 5 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2035 >2035 Senior placements Subordinated Additional Tier 1 Group
Slide 38: AT1 and Subordinated Instruments
AT1 and Subordinated Instruments Regulatory Capital Initial Reset Nominal Issuance First Call Issuer ISIN Call period Maturity Treatment1 Recognition2 Coupon Coupon outstanding date Date 5Y EUR Raiffeisen Bank Additional Tier 1 99.5% XS1756703275 4.500% MidSwap + EUR 500 mn 17 Jan 2018 25 Jun 2025 S
Slide 39: Available Distributable Items (ADI) to Cover Discretionary Distributions
Available Distributable Items (ADI) to Cover Discretionary Distributions Distributable Items Available Distributable Items (EUR mn) ◼ Discretionary coupon payments on AT1 capital are 2,305 subject to sufficient distributable items1 2,224 2,072 260 1,944 484 ◼ Distributable items based on RBI AG's un
Slide 40: The Institutional Protection Scheme (IPS)
The Institutional Protection Scheme (IPS) Legal Background IPS in Raiffeisen Austria ◼ IPS regulations are defined in the CRR Art. 113 (7); the IPS is subject to ◼ There are regional IPS in place. Members are the Raiffeisen banks and the regulatory supervision incl. regular reporting requirements re
Slide 41: Bank Levies and Resolution Fund
Bank Levies and Resolution Fund Impact in EUR mn FY 2018 1-6/2019 FY 2019e Bank levy based on total assets (excluding derivatives) and including a one-off Austria 57 49 1 ~57 payment (spread over 4 years) of EUR 163 mn from 2017 on Bank levy of 0.15% (for up to HUF 50 bn of total assets) and 0.21% (
Slide 42: NPE and NPL Distribution by Country
NPE and NPL Distribution by Country In EUR mn NPE Ratio NPE Ratio NPE Coverage Ratio NPE Coverage Ratio NPL Ratio NPL Ratio NPL Coverage Ratio NPL Coverage Ratio (incl. Bonds) (incl. Bonds) (incl. Bonds) (incl. Bonds) (excl. Bonds) (excl. Bonds) (excl. Bonds) (excl. Bonds) 30/6/2019 31/3/2019 30/6/2
Slide 43: Country and Segment Overview
Country and Segment Overview 2 1-6/2019 Total Assets Share of Loan/deposit Net Interest Provisioning NPE NPE Coverage 2 (EUR mn) Total Assets Ratio Margin Ratio Ratio Ratio Czech Republic 17,260 11.6% 89.1% 2.38% (0.31%) 1.3% 61.2% Hungary 7,586 5.1% 76.8% 1.96% (1.72%) 2.5% 55.4% Poland 3,197 2.2%
Slide 44: RBI Group
RBI Group In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 840 825 1.8% 843 856 834 1,664 1,663 0.1% 3,362 Net fee and commission income 437 402 8.8% 467 455 460 839 869 (3.5%) 1,791 Net trading income and fair value result (27) (52) (48.9
Slide 45: Country Financials (CE) – Czech Republic
Country Financials (CE) – Czech Republic In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 98 97 1.8% 92 84 80 195 161 20.9% 338 Net fee and commission income 33 32 4.6% 34 34 36 65 69 (5.1%) 136 Net trading income and fair value result (2)
Slide 46: Country Financials (CE) – Hungary
Country Financials (CE) – Hungary In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 34 37 (9.2%) 34 33 33 71 66 7.6% 133 Net fee and commission income 37 36 3.2% 36 33 34 74 65 12.9% 134 Net trading income and fair value result (1) 1 – 1 7
Slide 47: Country Financials (CE) – Poland
Country Financials (CE) – Poland In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 4 3 21.3% 22 57 62 7 126 (94.4%) 205 Net fee and commission income 1 1 20.6% 13 34 36 1 68 (98.0%) 115 Net trading income and fair value result 1 0 19.3% 3 1
Slide 48: Country Financials (CE) – Slovakia
Country Financials (CE) – Slovakia In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 73 72 2.1% 74 75 71 145 139 4.5% 289 Net fee and commission income 39 39 0.5% 42 41 41 78 81 (3.2%) 163 Net trading income and fair value result 1 1 5.7% 2
Slide 49: Country Financials (SEE) – Albania
Country Financials (SEE) – Albania In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 15 14 2.6% 14 14 13 29 27 7.2% 55 Net fee and commission income 4 4 3.5% 4 5 4 8 8 1.6% 17 Net trading income and fair value result (1) 2 – (1) 2 (2) 1 (3)
Slide 50: Country Financials (SEE) – Bosnia & Herzegovina
Country Financials (SEE) – Bosnia & Herzegovina In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 17 18 (6.0%) 17 17 16 34 33 4.4% 68 Net fee and commission income 10 10 6.1% 10 11 9 20 19 5.3% 40 Net trading income and fair value result 0
Slide 51: Country Financials (SEE) – Bulgaria
Country Financials (SEE) – Bulgaria In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 29 26 8.7% 27 26 25 55 50 9.8% 103 Net fee and commission income 14 13 7.5% 14 12 12 27 23 18.1% 49 Net trading income and fair value result 0 1 (43.2%) 1
Slide 52: Country Financials (SEE) – Croatia
Country Financials (SEE) – Croatia In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 30 30 3.2% 33 30 31 60 61 (2.0%) 125 Net fee and commission income 17 16 7.5% 17 21 18 33 33 1.0% 71 Net trading income and fair value result 1 2 (13.9%) (
Slide 53: Country Financials (SEE) – Kosovo
Country Financials (SEE) – Kosovo In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 11 10 4.9% 12 11 10 21 20 8.7% 42 Net fee and commission income 2 2 9.4% 2 3 3 4 5 (15.2%) 11 Net trading income and fair value result (0) 0 – 0 (0) (0) 0 0
Slide 54: Country Financials (SEE) – Romania
Country Financials (SEE) – Romania In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 92 90 2.9% 90 89 82 182 156 16.7% 336 Net fee and commission income 44 40 8.3% 49 49 48 84 92 (8.1%) 189 Net trading income and fair value result 4 0 >500.
Slide 55: Country Financials (SEE) – Serbia
Country Financials (SEE) – Serbia In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 22 22 1.4% 22 21 21 44 42 4.6% 85 Net fee and commission income 13 11 21.7% 12 12 14 25 22 11.5% 45 Net trading income and fair value result 3 1 92.4% 2 2 (
Slide 56: Country Financials (EE) – Belarus
Country Financials (EE) – Belarus In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 25 23 7.2% 22 23 23 49 45 8.2% 90 Net fee and commission income 14 12 16.7% 13 12 13 27 24 9.8% 49 Net trading income and fair value result 0 1 (72.0%) 2 2
Slide 57: Country Financials (EE) – Russia
Country Financials (EE) – Russia In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 190 176 7.9% 184 181 171 365 347 5.4% 712 Net fee and commission income 89 78 14.7% 94 82 76 167 149 11.8% 324 Net trading income and fair value result 12 10
Slide 58: Country Financials (EE) – Ukraine
Country Financials (EE) – Ukraine In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 61 57 6.9% 57 57 56 117 106 10.6% 220 Net fee and commission income 24 22 10.2% 25 24 22 46 43 8.5% 92 Net trading income and fair value result 3 2 26.0% 3
Slide 59: Group Corporates & Markets
Group Corporates & Markets In EUR mn Q2/2019 Q1/2019 q-o-q Q4/2018 Q3/2018 Q2/2018 1-6/2019 1-6/2018 y-o-y 1-12/2018 Net interest income 149 146 1.4% 129 128 145 295 277 6.4% 534 Net fee and commission income 92 88 3.7% 105 90 97 180 175 2.6% 371 Net trading income and fair value result 16 (16) – (2
Slide 60: Sustainable Ratings, Indices and Awards
Sustainable Ratings, Indices and Awards “C+” level and prime status Austrian Sustainability Reporting in sustainability rating by ISS Award (ASRA 2018) for the best oekom research report (2017) by a large (June 18 2018) corporation; The report was also awarded the overall ASRA winner Overall ESG sco
Slide 61: Shareholder Information Overview
Shareholder Information Overview General Information Shareholder Structure1 ◼ Listed since 25 April 2005 on the Vienna Stock Exchange Prime Market ◼ Indices: ATX, ATX Prime, ATX five, MSCI Standard Index Europe, EURO STOXX Banks RBI free float ~41.2% ◼ 328,939,621 ordinary shares issued Regional ◼ I
Slide 62: Contact and Financial Calendar
Contact and Financial Calendar Contact Details Financial Calendar Group Investor Relations 31 October 2019 Start of Quiet Period1 14 November 2019 Third Quarter Report, Conference Call Raiffeisen Bank International AG 30 January 2020 Start of Quiet Period1 Am Stadtpark 9 06 February 2020 Preliminary
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