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Raiffeisen Bank Int.

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. made a net profit of EUR 947 mil in the third quarter of 2023, down 18% when compared to the same period of ...

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. made a net profit of EUR 947 mil in the third quarter of 2023, down 18% when compared to the same period of ...

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. made a net profit of EUR 947 mil under revenues of EUR 2,247 mil in the third quarter of 2023, down 18% and ...

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Annual Quarterly LTM

Profit Statement		2020	2021	2022
Net Interest Income	EUR mil	3,263	3,327	5,053
Net Fee Income	EUR mil	1,738	1,999	3,878
Other Income	EUR mil	947	244	779
Total Revenues	EUR mil	5,949	5,570	9,710
Staff Cost	EUR mil	1,566	1,579	2,010
Operating Profit	EUR mil	2,990	2,592	6,158
Provisions	EUR mil	630	295	949
Net Profit	EUR mil	881	1,508	3,797

Balance Sheet		2020	2021	2022
Interbank Loans	EUR mil	2,974	16,630	15,716
Customer Loans	EUR mil	102,225	100,832	103,230
Investments	EUR mil	21,845	22,902	23,711
Total Assets	EUR mil	165,959	192,101	207,057
Shareholders' Equity	EUR mil	14,288	15,475	18,764
Interbank Borrowing	EUR mil	6,684	34,607	33,641
Customer Deposits	EUR mil	130,251	115,153	125,099
Issued Debt Securities	EUR mil	10,780	26,865	29,554

Ratios		2020	2021	2022
ROE	%	6.28	10.1	22.2
ROA	%	0.554	0.842	1.90
Costs (As % Of Assets)	%	1.86	1.66	1.78
Costs (As % Of Income)	%	49.7	53.5	36.6
Capital Adequacy Ratio	%	18.3	17.6	20.0
Net Interest Margin	%	2.05	1.86	2.53
Loans (As % Of Deposits)	%	78.5	87.6	82.5
NPLs (As % Of Loans)	%	2.72	3.14	2.94
Provisions (As % Of NPLs)	%	89.6	62.5	59.0

Valuation		2020	2021	2022
Market Capitalisation	USD mil	6,701	9,941	5,883
Number Of Shares	mil	329	327	327
Share Price	EUR	16.7	25.9	15.4
Price/Earnings (P/E)		6.80	6.18	1.38
Price/Book Value (P/BV)		0.407	0.586	0.284
Dividend Yield	%	2.88	4.77	0
Earnings Per Share (EPS)	EUR	2.45	4.19	11.1
Book Value Per Share	EUR	41.0	44.2	54.0
Dividend Per Share	EUR	0.480	1.24	0

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summary	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022
income statement
Net Interest Income	EUR mil																2,935	3,260	3,413	3,443	3,263
Total Revenues	EUR mil																4,980	5,826	6,051	6,144	5,949
Operating Profit	EUR mil																2,051	2,829	2,996	3,074	2,990
Net Profit	EUR mil																396	1,150	1,419	1,250	881
balance sheet
Interbank Loans	EUR mil																9,900	...	...	...	2,974
Customer Loans	EUR mil																65,559	88,473	90,593	100,312	102,225
Investments	EUR mil																19,625	24,416	22,297	21,989	21,845
Total Assets	EUR mil																111,864	135,146	140,115	152,200	165,959

Shareholders' Equity	EUR mil																9,232	11,241	12,413	13,765	14,288
Interbank Borrowing	EUR mil																5,120	4,788	5,987	6,855	6,684
Customer Deposits	EUR mil																71,538	106,362	109,698	118,427	130,251
Issued Debt Securities	EUR mil																23,665	8,059	8,490	9,271	10,780
ratios
ROE	%	...															4.47	11.2	12.0	9.55	6.28
ROA	%	...															0.350	0.931	1.03	0.855	0.554
Costs (As % Of Assets)	%	...															2.59	2.43	2.22	2.10	1.86
Costs (As % Of Income)	%																58.8	51.4	50.5	50.0	49.7
Capital Adequacy Ratio	%																19.2	17.9	18.3	18.0	18.3
Net Interest Margin	%	...															2.59	2.64	2.48	2.36	2.05
Interest Income (As % Of Revenues)	%																58.9	56.0	56.4	56.0	54.9
Fee Income (As % Of Revenues)	%																30.1	29.5	29.6	29.2	29.2
Staff Cost (As % Of Total Cost)	%	...															48.1	51.9	51.7	52.4	52.9
Equity (As % Of Assets)	%																8.25	8.32	8.86	9.04	8.61
Loans (As % Of Deposits)	%																91.6	83.2	82.6	84.7	78.5
Loans (As % Assets)	%																58.6	65.5	64.7	65.9	61.6
NPLs (As % Of Loans)	%	...															9.31	5.05	3.43	2.87	2.72
Provisions (As % Of NPLs)	%	...															75.5	67.1	77.7	78.5	89.6
valuation
Market Capitalisation	USD mil	...															5,361	11,931	8,355	8,262	6,701
Number Of Shares	mil	...															292	329	329	329	329
Share Price	EUR	...															17.4	30.2	22.2	22.4	16.7
Earnings Per Share (EPS)	EUR	...															1.35	3.44	4.13	3.61	2.45
Book Value Per Share	EUR	...															29.6	32.2	35.6	39.4	41.0
Dividend Per Share	EUR	...															0	0	0.930	0	0.480
Price/Earnings (P/E)		...															12.9	8.78	5.37	6.20	6.80
Price/Book Value (P/BV)		...															0.588	0.938	0.623	0.568	0.407
Dividend Yield	%	...															0	0	4.19	0	2.88
Earnings Per Share Growth	%	...	...														4.98	155	20.1	-12.7	-32.0
Book Value Per Share Growth	%	...															8.58	8.89	10.7	10.6	3.96

income statement	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022
income statement
Interest Income	EUR mil																4,044	4,709	4,840	5,081	4,517
Interest Cost	EUR mil																1,108	1,449	1,427	1,637	1,253
Net Interest Income	EUR mil																2,935	3,260	3,413	3,443	3,263
Net Fee Income	EUR mil																1,497	1,719	1,791	1,797	1,738
Fee Income	EUR mil	...															1,997	2,446	2,545	2,637	2,532	...	...
Fee Expense	EUR mil	...															501	727	754	840	794	...	...
Other Income	EUR mil																547	847	847	904	947
Total Revenues	EUR mil																4,980	5,826	6,051	6,144	5,949
Staff Cost	EUR mil	...															1,409	1,554	1,580	1,610	1,566
Depreciation	EUR mil	...	...	...	...	...	...										154	153	137	227	230
Other Cost	EUR mil	...	...	...	...	...	...										1,366	1,290	1,339	1,233	1,163
Operating Cost	EUR mil																2,929	2,996	3,056	3,070	2,958
Operating Profit	EUR mil																2,051	2,829	2,996	3,074	2,990
Provisions	EUR mil																754	312	166	234	630
Extra and Other Cost	EUR mil																501	860	880	1,043	1,033
Pre-Tax Profit	EUR mil																796	1,657	1,949	1,797	1,327
Tax	EUR mil																290	377	402	410	341
Minorities	EUR mil																111	130	128	138	106
Net Profit	EUR mil																396	1,150	1,419	1,250	881
Net Profit Avail. to Common	EUR mil																396	1,130	1,358	1,187	806
Dividends	EUR mil																0	0	306	0	158
growth rates
Net Interest Income Growth	%	...															-11.8	11.1	4.70	0.888	-5.22
Net Fee Income Growth	%	...															-1.47	14.8	4.21	0.291	-3.26
Total Revenue Growth	%	...															-7.69	17.0	3.88	1.53	-3.19
Operating Cost Growth	%	...															-1.04	2.31	1.99	0.461	-3.64
Operating Profit Growth	%	...															-15.8	38.0	5.87	2.63	-2.73
Pre-Tax Profit Growth	%	...															13.2	108	17.6	-7.82	-26.1
Net Profit Growth	%	...															5.63	190	23.4	-11.9	-29.5

balance sheet	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022
balance sheet
Cash & Cash Equivalents	EUR mil																12,242	16,905	22,557	24,289	33,660
Interbank Loans	EUR mil																9,900	...	...	...	2,974
Customer Loans	EUR mil																65,559	88,473	90,593	100,312	102,225
Retail Loans	EUR mil	...															23,393	30,964	32,120	35,682	35,262
Corporate Loans	EUR mil	...															46,462	59,755	55,174	61,146	60,640
Investments	EUR mil																19,625	24,416	22,297	21,989	21,845
Property and Equipment	EUR mil																1,393	1,540	1,384	1,829	1,684
Intangible Assets	EUR mil	...															598	721	693	757	763
Goodwill	EUR mil	...															39.6	95.9	95.6	101	73.2	...	...
Total Assets	EUR mil																111,864	135,146	140,115	152,200	165,959

Shareholders' Equity	EUR mil																9,232	11,241	12,413	13,765	14,288
Of Which Minority Interest	EUR mil																581	660	701	811	820
Liabilities	EUR mil																102,632	123,905	127,702	138,435	151,671
Interbank Borrowing	EUR mil																5,120	4,788	5,987	6,855	6,684
Customer Deposits	EUR mil																71,538	106,362	109,698	118,427	130,251
Retail Deposits	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Corporate Deposits	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Sight Deposits	EUR mil	...															44,461	67,041	68,699	75,624	88,905	...	...
Term Deposits	EUR mil	...															27,077	39,321	40,999	42,803	41,346	...	...
Issued Debt Securities	EUR mil																23,665	8,059	8,490	9,271	10,780
Other Liabilities	EUR mil																2,308	4,696	3,526	3,881	3,955
asset quality
Non-Performing Loans	EUR mil	...															6,563	4,621	3,193	2,949	2,851
Gross Loans	EUR mil																70,514	91,575	93,073	102,626	104,780
Risk-Weighted Assets	EUR mil																60,061	71,902	72,672	77,966	78,864
Total Provisions	EUR mil																4,955	3,102	2,480	2,314	2,555
growth rates
Customer Loan Growth	%	...															2.65	35.0	2.40	10.7	1.91
Retail Loan Growth	%	...	...														6.92	32.4	3.73	11.1	-1.18
Corporate Loan Growth	%	...	...														-1.62	28.6	-7.67	10.8	-0.827
Total Asset Growth	%	...															-2.24	20.8	3.68	8.62	9.04
Shareholders' Equity Growth	%	...															8.60	21.8	10.4	10.9	3.80
Customer Deposit Growth	%	...															3.69	48.7	3.14	7.96	9.98
Retail Deposit Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Corporate Deposit Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...

ratios	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

ROE	%	...															4.47	11.2	12.0	9.55	6.28
ROTE	%	...	...														4.79	12.0	12.8	10.1	6.64
ROE (@ 15% of RWA)	%	...															4.28	11.6	13.1	11.1	7.49
ROA	%	...															0.350	0.931	1.03	0.855	0.554
Return on Loans	%																0.612	1.49	1.58	1.31	0.870
Operating Profit (As % of RWA)	%	...															3.33	4.29	4.14	4.08	3.81
Costs (As % Of Assets)	%	...															2.59	2.43	2.22	2.10	1.86
Costs (As % Of Income)	%																58.8	51.4	50.5	50.0	49.7
Costs (As % Of Loans)	%	...															4.53	3.89	3.41	3.22	2.92
Costs (As % Of Loans & Deposits)	%	...															2.17	1.81	1.55	1.47	1.31
Capital Adequacy Ratio	%																19.2	17.9	18.3	18.0	18.3
Tier 1 Ratio	%																13.9	13.7	15.0	15.5	15.7
Net Interest Margin	%	...															2.59	2.64	2.48	2.36	2.05
Interest Spread	%	...															2.51	2.53	2.38	2.25	1.98
Asset Yield	%	...															3.57	3.81	3.52	3.48	2.84
Revenues (As % of RWA)	%	...															8.08	8.83	8.37	8.16	7.59
Cost Of Liabilities	%	...															1.06	1.28	1.13	1.23	0.864
Payout Ratio	%																0	0	21.5	0	17.9
Interest Income (As % Of Revenues)	%																58.9	56.0	56.4	56.0	54.9
Fee Income (As % Of Revenues)	%																30.1	29.5	29.6	29.2	29.2
Other Income (As % Of Revenues)	%																11.0	14.5	14.0	14.7	15.9
Staff Cost (As % Of Total Cost)	%	...															48.1	51.9	51.7	52.4	52.9
Equity (As % Of Assets)	%																8.25	8.32	8.86	9.04	8.61
Equity (As % Of Loans)	%																14.1	12.7	13.7	13.7	14.0
Loans (As % Of Deposits)	%																91.6	83.2	82.6	84.7	78.5
Loans (As % Assets)	%																58.6	65.5	64.7	65.9	61.6
NPLs (As % Of Loans)	%	...															9.31	5.05	3.43	2.87	2.72
Provisions (As % Of NPLs)	%	...															75.5	67.1	77.7	78.5	89.6
Provisions (As % Of Loans)	%																7.56	3.51	2.74	2.31	2.50
Cost of Provisions (As % Of Loans)	%	...															1.17	0.405	0.185	0.245	0.622

other data	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Branches																	2,506	2,409	2,159	2,040	1,857
Employees		...															48,556	49,700	47,079	46,873	45,414
Employees Per Bank Branch		...															19.4	20.6	21.8	23.0	24.5
Cost Per Employee	USD per month	...															2,592	2,925	3,275	3,244	3,361
Cost Per Employee (Local Currency)	EUR per month	...															2,418	2,605	2,796	2,862	2,873
Women (As % of Workforce)	%	...	...	...	...	...	...										67.0	67.0	66.0	66.0	...	...	...
Women (As % of Management)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	45.0	46.0	46.0	...	...	...

Institutional Sign In

Raiffeisen Bank Int.

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

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RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

RBI's npls (as % of loans) fell 0.455% yoy to 2.80% in 3Q2023

RBI's npls (as % of loans) fell 0.455% yoy to 2.80% in 3Q2023

RBI's employees rose 1.79% yoy to 44,810 in 3Q2023

RBI's employees rose 1.79% yoy to 44,810 in 3Q2023

RBI's customer deposits rose 3.69% yoy to EUR 71,538 mil in 4Q2016

RBI's customer deposits rose 3.69% yoy to EUR 71,538 mil in 4Q2016

RBI's capital adequacy ratio rose 8.74% yoy to 19.7% in 3Q2023

RBI's capital adequacy ratio rose 8.74% yoy to 19.7% in 3Q2023

RBI's costs (as % of assets) rose 0.467% yoy to 1.71% in 3Q2023

Finance

Valuation

More Companies in Austrian Banking Sector

customer breakdown	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Customers	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	17.0	16.5	16.1	16.7	17.2

Market Value per Customer (Local Currency)	EUR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	299	603	454	441	319
Revenue per Customer (Local Currency)	EUR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	293	353	377	368	346
Net Profit per Customer (Local Currency)	EUR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	23.3	69.6	88.3	74.8	51.2
Loan per Customer (Local Currency)	EUR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,858	5,358	5,640	6,007	5,943
Deposit per Customer (Local Currency)	EUR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	4,210	6,441	6,829	7,091	7,573
Market Value per Customer	USD	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	315	723	520	495	390
Revenue per Customer	USD	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	314	396	441	417	405
Net Profit per Customer	USD	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	25.0	78.2	103	84.8	59.9
Loan per Customer	USD	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	4,074	6,423	6,457	6,738	7,268
Deposit per Customer	USD	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	4,445	7,721	7,819	7,955	9,260

central europe	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Net Interest Income in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			667	950	965	830	787
Fee Income in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			389	557	549	441	410
Other Income in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1.08	63.7	3.40	56.3	75.1
Total Revenues in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,057	1,571	1,517	1,327	1,272
Operating Cost in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			659	887	854	768	714
Operating Profit in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			398	684	663	559	558
Provisions in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			35.3	59.4	122	38.2	177
Other Cost in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-24.3	94.4	93.3	118	132
Pre-Tax Profit in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			387	530	447	402	249
Net Profit in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			319	419	346	290	180
Net Profit Avail. to Common in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			265	363	290	221	128

Total Assets in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			32,052	46,814	40,353	42,094	45,280
Loans in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			21,213	30,281	27,737	29,603	29,857
Deposits in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			24,094	35,606	29,619	31,967	34,393
Equity in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,865	3,061	4,034	3,147	3,237
Risk-Weighted Assets in Central Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			14,487	24,807	21,615	22,114	20,434
Branches in Central Europe		...	...	...	...	...	...	...	...	...	...	...	...	...			411	631	396	391	368
Employees in Central Europe		...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	9,319	13,069	9,692	9,915	9,244
Customers in Central Europe	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	2.56	3.39	2.59	2.75	2.86

Net Interest Margin in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			2.26	2.41	2.21	2.01	1.80
Costs (As % Of Income) in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			62.4	56.5	56.3	57.9	56.2
Loans (As % Of Deposits) in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			88.0	85.0	93.6	92.6	86.8
ROE in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			17.9	17.0	9.76	8.08	5.64
Provisions (As % Of NPLs) in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			71.3	67.7	56.0	58.6	63.1
NPLs (As % Of Loans) in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			5.29	4.97	2.82	2.36	1.92
Cost of Provisions (As % Of Loans) in Central Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			0.177	0.231	0.422	0.133	0.595

Revenues in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			21.2	27.0	25.1	21.6	21.4
Operating Profit in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			19.4	24.2	22.1	18.2	18.7
Net Profit in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			66.9	31.5	20.5	17.7	14.6
Assets in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			28.7	34.6	28.8	27.7	27.3
RWA in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			24.1	34.5	29.7	28.4	25.9
Loans in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			32.4	34.2	30.6	29.5	29.2
Deposits in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			33.7	33.5	27.0	27.0	26.4
Branches in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			16.4	26.2	18.3	19.2	19.8
Employees in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	19.2	26.3	20.6	21.2	20.4
Customers in Central Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	15.1	20.5	16.1	16.5	16.6

southeastern europe	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Net Interest Income in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			738	731	814	867	849
Fee Income in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			392	401	421	417	377
Other Income in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			80.5	56.4	61.6	55.2	42.7
Total Revenues in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,210	1,189	1,297	1,339	1,269
Operating Cost in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			682	678	699	705	687
Operating Profit in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			528	511	599	635	582
Provisions in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			175	113	61.3	69.7	178
Other Cost in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-8.50	-5.04	12.1	84.3	77.3
Pre-Tax Profit in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			361	404	525	481	326
Net Profit in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			299	346	452	410	273
Net Profit Avail. to Common in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			299	345	452	413	273

Total Assets in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			23,033	23,710	25,360	26,986	29,897
Loans in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			13,513	13,064	14,633	15,915	16,294
Deposits in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			17,296	18,275	20,040	21,529	24,292
Equity in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,850	2,090	2,455	2,933	3,310
Risk-Weighted Assets in Southeastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			14,225	14,485	15,136	15,903	16,629
Branches in Southeastern Europe		...	...	...	...	...	...	...	...	...	...	...	...	...			1,015	978	962	894	864
Employees in Southeastern Europe		...	...	...	...	...	...	...	...	...	...	...	...	...			14,893	14,792	14,646	14,480	14,344
Customers in Southeastern Europe	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	5.72	5.37	5.29	5.37	5.37

Net Interest Margin in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			3.27	3.13	3.32	3.31	2.99
Costs (As % Of Income) in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			56.4	57.0	53.9	52.6	54.2
Loans (As % Of Deposits) in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			78.1	71.5	73.0	73.9	67.1
ROE in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			16.7	17.6	19.9	15.2	8.76
Provisions (As % Of NPLs) in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			79.7	81.0	63.5	69.9	70.8
NPLs (As % Of Loans) in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			10.5	7.55	3.56	2.97	2.75
Cost of Provisions (As % Of Loans) in Southeastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			1.32	0.847	0.442	0.456	1.11

Revenues in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			24.3	20.4	21.4	21.8	21.3
Operating Profit in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			25.7	18.1	20.0	20.6	19.5
Net Profit in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			75.6	30.0	31.8	33.0	31.0
Assets in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			20.6	17.5	18.1	17.7	18.0
RWA in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			23.7	20.1	20.8	20.4	21.1
Loans in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			20.6	14.8	16.2	15.9	15.9
Deposits in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			24.2	17.2	18.3	18.2	18.7
Branches in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			40.5	40.6	44.6	43.8	46.5
Employees in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			30.7	29.8	31.1	30.9	31.6
Customers in Southeastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	33.6	32.5	33.0	32.1	31.2

eastern europe	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Net Interest Income in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			864	982	1,022	1,142	1,060
Fee Income in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			391	462	466	557	519
Other Income in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			48.7	23.8	41.5	43.0	53.8
Total Revenues in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,304	1,468	1,529	1,743	1,632
Operating Cost in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			520	600	631	685	615
Operating Profit in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			784	868	898	1,058	1,017
Provisions in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			163	-5.27	31.9	58.9	138
Other Cost in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-16.6	0.659	10.9	59.0	67.9
Pre-Tax Profit in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			637	872	855	940	811
Net Profit in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			511	689	684	735	639
Net Profit Avail. to Common in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			458	624	627	680	590

Total Assets in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			15,319	15,579	18,192	23,381	20,721
Loans in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			10,719	10,031	11,117	14,465	11,560
Deposits in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			10,957	11,731	13,901	17,712	16,224
Equity in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,488	1,702	1,940	2,678	1,955
Risk-Weighted Assets in Eastern Europe	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			11,567	11,247	12,260	15,054	12,860
Branches in Eastern Europe		...	...	...	...	...	...	...	...	...	...	...	...	...			771	775	779	732	604
Employees in Eastern Europe		...	...	...	...	...	...	...	...	...	...	...	...	...			17,827	18,132	18,750	18,356	16,982
Customers in Eastern Europe	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	5.66	5.73	6.05	6.66	7.00

Net Interest Margin in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			5.86	6.36	6.05	5.50	4.81
Costs (As % Of Income) in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			39.9	40.9	41.3	39.3	37.7
Loans (As % Of Deposits) in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			97.8	85.5	80.0	81.7	71.3
ROE in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			32.7	43.2	37.6	31.8	27.6
Provisions (As % Of NPLs) in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			85.7	78.6	61.8	60.0	57.0
NPLs (As % Of Loans) in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			14.7	6.36	2.92	2.02	2.14
Cost of Provisions (As % Of Loans) in Eastern Europe	%	...	...	...	...	...	...	...	...	...	...	...	...	...			1.57	-0.051	0.302	0.461	1.06

Revenues in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			26.2	25.2	25.3	28.4	27.4
Operating Profit in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			38.2	30.7	30.0	34.4	34.0
Net Profit in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			116	54.3	44.2	54.5	67.0
Assets in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			13.7	11.5	13.0	15.4	12.5
RWA in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			19.3	15.6	16.9	19.3	16.3
Loans in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			16.4	11.3	12.3	14.4	11.3
Deposits in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			15.3	11.0	12.7	15.0	12.5
Branches in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			30.8	32.2	36.1	35.9	32.5
Employees in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			36.7	36.5	39.8	39.2	37.4
Customers in Eastern Europe (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	33.3	34.7	37.7	39.9	40.7

group corporates & markets	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Net Interest Income in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			609	587	534	598	582
Fee Income in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			286	308	371	394	417
Other Income in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			261	204	189	184	219
Total Revenues in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			1,156	1,099	1,094	1,177	1,219
Operating Cost in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			658	648	647	700	678
Operating Profit in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			498	451	447	477	541
Provisions in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			112	137	-62.3	63.7	134
Other Cost in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			45.7	56.7	21.0	52.4	42.6
Pre-Tax Profit in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			341	257	488	361	365
Net Profit in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			299	209	393	283	288
Net Profit Avail. to Common in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			291	203	388	278	273

Total Assets in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			39,611	38,935	44,488	53,706	58,083
Loans in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	24,816	22,843	26,953	29,720	32,179
Deposits in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			20,219	20,934	23,020	27,601	28,822
Equity in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			2,411	2,891	3,457	3,025	3,393
Risk-Weighted Assets in Corporates & Markets	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			18,600	20,154	22,683	24,581	27,463
Branches in Corporates & Markets		...	...	...	...	...	...	...	...	...	...	...	...	...			20.0	25.0	22.0	23.0	21.0
Employees in Corporates & Markets		...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	2,530	2,680	2,879	2,908	3,099
Customers in Corporates & Markets	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	2.00	2.02	2.13	1.97	1.93

Net Interest Margin in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...			1.42	1.49	1.28	1.22	1.04
Costs (As % Of Income) in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...			56.9	59.0	59.1	59.5	55.6
Loans (As % Of Deposits) in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	123	109	117	108	112
ROE in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...			10.8	7.89	12.4	8.73	8.98
Provisions (As % Of NPLs) in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	67.2	48.2	54.1	55.9	53.4
NPLs (As % Of Loans) in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	4.53	4.92	2.36	1.68	1.67
Cost of Provisions (As % Of Loans) in Corporates & Markets	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.451	0.574	-0.250	0.225	0.433

Revenues in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			23.2	18.9	18.1	19.2	20.5
Operating Profit in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			24.3	15.9	14.9	15.5	18.1
Net Profit in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			73.4	17.6	27.3	22.3	31.0
Assets in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			35.4	28.8	31.8	35.3	35.0
RWA in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			31.0	28.0	31.2	31.5	34.8
Loans in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	37.9	25.8	29.8	29.6	31.5
Deposits in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			28.3	19.7	21.0	23.3	22.1
Branches in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			0.798	1.04	1.02	1.13	1.13
Employees in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	5.21	5.39	6.12	6.20	6.82
Customers in Corporates & Markets (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	11.8	12.2	13.3	11.8	11.2

corporate center	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022

Net Interest Income in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			381	86.2	-31.6	-86.9	-77.0
Fee Income in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			29.6	-7.95	-8.57	-14.4	20.5
Other Income in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			73.0	1,016	727	913	725
Total Revenues in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			484	1,094	687	812	668
Operating Cost in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			354	342	344	354	371
Operating Profit in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			130	752	343	459	297
Provisions in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			9.39	3.61	5.05	2.06	2.35
Other Cost in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			231	136	212	101	173
Pre-Tax Profit in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-110	612	125	356	122
Net Profit in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-81.0	632	211	422	157
Net Profit Avail. to Common in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			-87.5	632	210	422	157

Total Assets in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			34,259	30,981	35,331	31,549	32,577
Loans in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,288	3,662	3,038	4,043	3,081
Deposits in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	470	1,398	4,381	1,464	2,058
Equity in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			2,062	2,129	2,528	6,695	7,483
Risk-Weighted Assets in Corporate Center	EUR mil	...	...	...	...	...	...	...	...	...	...	...	...	...			15,395	13,884	16,259	13,333	13,680
Employees in Corporate Center		...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	1,061	1,027	1,112	1,214	1,745

Net Interest Margin in Corporate Center	%	...	...	...	...	...	...	...	...	...	...	...	...	...			1.24	0.264	-0.095	-0.260	-0.240
Costs (As % Of Income) in Corporate Center	%	...	...	...	...	...	...	...	...	...	...	...	...	...			73.1	31.3	50.1	43.5	55.5
Loans (As % Of Deposits) in Corporate Center	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	700	262	69.3	276	150
ROE in Corporate Center	%	...	...	...	...	...	...	...	...	...	...	...	...	...			-3.95	30.2	9.04	9.15	2.22
Cost of Provisions (As % Of Loans) in Corporate Center	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.286	0.104	0.151	0.058	0.066

Revenues in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			9.72	18.8	11.3	13.2	11.2
Operating Profit in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			6.34	26.6	11.4	14.9	9.94
Net Profit in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			-22.1	55.0	14.8	33.7	17.9
Assets in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			30.6	22.9	25.2	20.7	19.6
RWA in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...			25.6	19.3	22.4	17.1	17.3
Loans in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	5.02	4.14	3.35	4.03	3.01
Deposits in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.657	1.31	3.99	1.24	1.58
Employees in Corporate Center (as % of Total)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	2.18	2.07	2.36	2.59	3.84