RBI: Third Quarter Report 2022

2022 Outlook updated – strong core revenues across the Group

• Excluding Russia and Belarus, net interest income up 38% year-over-year in the first three quarters of 2022 (EUR 2,399 million)
• Net fee and commission income, also excluding Russia and Belarus, up 18% year-over-year (EUR 1,287 million)
• EUR 822 million consolidated profit (11% ROE) excluding Russia and Belarus as well as gain on sale of the Bulgarian units
• Loan growth in Q3/2022 of 1.3%, driven by CE and SEE, flat volumes in Group Corporates & Markets and a reduction in EE
• Risk costs of EUR 160 million booked in Q3/2022, bringing the total year-to-date to EUR 721 million (provisioning ratio of 0.71% year-to-date)
• CET1 ratio at 14.6% (transitional, incl. result), driven by strong consolidated profit and stable RWA in Q3; earnings from EE subsidiaries cannot be distributed
• Full year 2022 outlook has been updated

Please find the full version of the press release in the pdf attached here