RBI Quarterly Reports

Third Quarter Report 2024

RBI 1-9/2024: EUR 856 million consolidated profit excluding Russia and Belarus, FY 2024ROE guidance revised down on higher Poland provisions

Consolidated profit of EUR 856 million excluding Russia and Belarus, including EUR 493 million provisions for CHF and EUR mortgage loans in Poland
Core revenues excluding Russia and Belarus slightly down at EUR 1,481 million quarter-over-quarter, reflecting muted business activity in Q3
Provisioning ratio for the Group excluding Russia and Belarus stable at around 30 bps in Q3
CET1 ratio excluding Russia improves to 15.3% (Group CET1 ratio unchanged at 17.8%)
Russia: Significant de-risking accelerates – customer loans down almost 67% since peak in Q2/2022 and down 23% quarter-over-quarter, current account deposits down 26% quarter-over-quarter
ROE guidance for 2024 adjusted to 7.5%, excluding Russia and Belarus