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Results 1-9/2022

2022 Outlook updated – strong core revenues across the Group

  • By Group Communications
  • Press Releases
  • 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