Key Data

Income Statement

Monetary values in €mn	2009	Change	2008	2007	2006*	2005	2004
Net interest income after provisioning	1,119	9.1%	2,452	2,062	1,455	1,035	666
Net fee and comission income	1,223	122.7%	1,496	1,250	933	607	441
Net trading income	186	11.2%	168	128	175	101	78
General administrative expenses	(2,270)	(13.8)%	(2,633)	(2,184)	(1,694)	(1,163)	(823)
Profit before tax	368	(74.3)%	1,429	1,238	891	569	341
Profit after tax	287	(73.4)%	1,078	973	686	460	270
Consolidated profit (after minorities)	982	(78.4)%	982	841	594	382	209

Balance Sheet

Monetary values in €mn	2009	Change	2008	2007	2006*	2005	2004
Loans and advances to banks	10,310	14.1%	9,038	11,053	8,202	5,794	4,779
Loans and advances to customers	50,515	(12.8)%	57,902	48,880	35,043	24,714	16,242
Deposits from banks	20,110	(23.3)%	26,213	19,927	13,814	10,236	6,620
Deposits from customers	42,578	(3.7)%	44,206	40,457	33,156	24,890	18,169
Equity (incl. minorities and profit)	7,000	7.4%	6,518	6,622	4,590	3,277	2,177
Balance sheet total	76,275	(10.7)	85,397	72,743	55,867	40,695	28,907

Key Ratios

	2009	Change	2008	2007	2006*	2005	2004
Return on equity (ROE) before tax	5.7%	(16.3)PP	22.0%	25.7%	27.3%	21.8%	22.2%
Return on equity (ROE) after tax	4.5%	(12.1)PP	16.6%	20.2%	21.0%	17.6%	17.6%
Consolidated return on equity (after minorities)	3.9%	(13.5)PP	17.4%	20.1%	21.4%	17.2%	17.0%
Cost/income ratio	52.5%	(1.5)PP	54.0%	57.6%	59.1%	61.6%	63.5%
Earnings per share in €	0.99	(5.4)	6.39	5.80	4.17	2.79	1.93
Return on assets (ROA) before tax	0.47%	(1.3)PP	1.77%	1.98%	1.90%	1.68%	1.40%
Net provisioning ratio (avg. risk-weighted assets)	3.19%	1.88PP	1.32%	0.84%	0.97%	0.81%	0.98%
Risk/earnings ratio	59.2%	35.1PP	24.1%	14.8%	17.5%	13.9%	17.1%

Bank specific information**

Monetary values in €mn	2009	Change	2008	2007	2006*	2005	2004
Risk-weighted assets (credit risk)	50,090	(17.1)%	60,388	49,802	38,002	26,582	16,690
Total own funds	8,328	19.1%	6,992	6,684	4,513	2,938	2,359
Total own funds requirement	5,117	(11.3)%	5,767	4,317	3,284	2,393	1,571
Excess cover	62.8%	41.6PP	21.2%	54.8%	37.4%	22.8%	50.2%
Core capital ratio (Tier 1), credit risk	14.1%	4.4PP	9.7%	11.4%	9.8%	9.0%	11.8%
Core capital ratio (Tier 1), total	11.0%	2.9PP	8.1%	10.5%	9.0%	8.0%	10.1%
Own funds ratio	13.0%	3.3PP	9.7%	12.4%	11.0%	9.8%	12.0%

Resources

	2009	Change	2008	2007	2006*	2005	2004
Number of employees on 31.12	56,530	(10.8)%	63,376	58,365	52,732	43,614	22,851
Number of business outlets	3,018	(6.6)%	3,231	3,015	2,848	2,443	916

* Excluding one-off effects due to the sale of Raiffeisenbank Ukraine and the stake in Bank TuranAlem.

** Calculated according to the Austrian Banking Act (Bankwesengesetz, BWG). Raiffeisen International as part of the RZB-Group is not subject to the Austrian Banking Act.

You can find out more about the income statement and the balance sheet of Raiffeisen International in the Financial Statements chapter of the current Annual Report