Financial Reports & Figures

We want to keep you up to date with all the latest news about Raiffeisen International's business and stock, by making available financial reports, presentations as well as other selected data.

Corporate responsibility in the RZB Group

The Raiffeisen idea is both timeless and up to date. For Raiffeisen International, corporate responsibility means acting responsibly in every area of operations. There is nothing new about that, although today’s social problems differ from those of the second half of the 19th century, when the RZB-Group was established. Proud of its history and traditions, the RZB-Group equates corporate responsibility with doing business the Raiffeisen way - a contemporary commitment to the enduring ideas of Friedrich Wilhelm Raiffeisen, who recognised the need to help people to help themselves by forming cooperatives and put this idea into practice. more...

Semi-Annual Financial Report as of 30 June 2010

Profit before tax of EUR 304 mn (up 98% y-o-y)
Consolidated profit (after minorities) of EUR 171 mn (up 119% y-o-y)
Net interest income decreased to EUR 1,430 mn (down 4% y-o-y)
General administrative expenses of EUR 1,207 mn (up 6% y-o-y)
Operating result amounting to EUR 889 mn (down 17% y-o-y)
Provisioning for impairment losses decreased to EUR 560 mn (down 42% y-o-y)
Cost/income ratio of 57.6% (up 6.0PP y-o-y)
Core Tier 1 Ratio (total risk) of 9.2% (stable compared to FY 2009)
Tier 1 ratio (credit risk) of 13.9% (down 0.2PP compared to FY 2009)
Tier 1 ratio (total risk) of 11.0% (stable compared to FY 2009)

link to online Semi-Annual Financial Report as of 30 June 2010

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data in xls-format Semi-Annual Financial Report as of 30 June 2010

link to the RZB Semi-Annual Financial Report as of 30 June 2010

First Quarter Report 2010

Profit before tax of EUR 166 mn (up 99% y-o-y)
Consolidated profit (after minorities) of EUR 100 mn (up 78% y-o-y)
Net interest income decreased to EUR 690 mn (down 10% y-o-y)
General administrative expenses of EUR 585 mn (up 2% y-o-y)
Operating result amounting to EUR 428 mn (down 20% y-o-y)
Provisioning for impairment losses decreased to EUR 295 mn
(down 34% y-o-y)
Cost/income ratio from 51.7% to 57.7% (up 6PP y-o-y)
Tier 1 ratio (credit risk) of 14.3% (up 0.2PP compared to FY 2010)
Tier 1 ratio (total risk) of 11.2% (up 0.2PP compared to FY 2010)
Core Tier 1 ratio (total risk) of 9.4% (up 0.2PP compared to FY 2010)

link to the online First Quarter Report 2010

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data in xls-format First Quarter Report 2010

link to the RZB First Quarter Report 2010

Annual Report 2009

Consolidated profit (after minorities) of EUR 212 mn (down 78% y-o-y)
Net interest income decreased to EUR 2,937 mn (down 9% y-o-y)
General administrative expenses reduced to EUR 2,270 mn (improved by 14% y-o-y)
Operating result amounting to EUR 2,056 mn (down 9% y-o-y)
Results strongly influenced by provisioning amounting to EUR 1,738 mn (up 123% y-o-y)
Profit after tax of EUR 287 mn (down 73% y-o-y)
Cost/income ratio improved from 54.0% to 52.5% (down 1.5PP y-o-y)
Tier 1 capital ratio (credit risk) of 14.1% (up 4.4PP y-o-y)
Tier 1 capital ratio (total) of 11.0% (up 2.9PP y-o-y)

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Third Quarter Report 2009

Profit after tax of EUR 216 mn (up 75% q-o-q; down 78% y-o-y)
Consolidated profit of EUR 156 mn (up 255% q-o-q; down 82% y-o-y)
Results strongly influenced by provisioning amounting to EUR 1,365 mn (down 24% q-o-q; up 273% y-o-y)
Net interest income slightly declined to EUR 2,224 mn (q-o-q unchanged; down 5% y-o-y)
Stable development of operating result amounting to EUR 1,603 mn (q-o-q and y-o-y almost unchanged)
Cost/income ratio improved to 51.1% (down 3.5PP y-o-y)
Tier 1 capital ratio (total) of 10.5% (up 2.4PP compared to FY 2008)
Tier 1 capital ratio (credit risk) of 13.0% (up 3.3PP compared to FY 2008)

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Semi-Annual Report 2009

Profit after tax of EUR 119 mn (down 82% y-o-y; down 13% q-o-q)
Consolidated profit of EUR 78 mn (down 86% y-o-y; down 61% q-o-q)
Results strongly influenced again by a rise in provisioning amounting to EUR 969 mn (up 381% y-o-y; up 18% q-o-q)
Net interest income remains stable at EUR 1,496 mn (y-o-y unchanged; down 5% q-o-q)
Positive development of operating result amounting to EUR 1,072 mn (up 4% y-o-y; q-o-q unchanged)
Cost/income ratio has improved to 51.6% (down 3.2PP y-o-y)
Tier 1 capital ratio (total) of 8.5% (up 0.4PP compared to FY 2008); the pro forma Tier 1 capital ratio (total) including the capital enhancement would amount to 10.4%
Tier 1 capital ratio (credit risk) of 10.4% (up 0.7PP compared to FY 2008); the pro forma Tier 1 capital ratio (credit risk) including the capital enhancement would amount to 12.7%

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First Quarter Report 2009

First quarter consolidated profit of EUR 56 mn (down 53% q-o-q; down 78% y-o-y)
Results strongly influenced by a rise in provisioning amounting to EUR 445 mn (up 7% q-o-q; up 379% y-o-y) due to worsening market conditions
Net interest income amounts to EUR 767 mn (down 14% q-o-q; up 8% y-o-y)
Stable operating income of EUR 1.1 bn (down 17% q-o-q; up 2% y-o-y)
Cost/income ratio improved to 51.7% (down 2.3PP compared to FY 2008)
Tier 1 capital ratio of 7.7% (total), once again affected by unfavourable FX developments in the first quarter (down 0.4PP compared to FY 2008)
Tightening of lending criteria, strengthening of workout and collection functions

link to the online First Quarter Report 2009

data in xls-format First Quarter Report 2009

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