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RBI securitizes loan portfolio of € 2.8 billion

  • Positive effect on the CET1 ratio of around 16 basis points at group level
  • Risk transfer without impact on customer relationships
  • By Communications
Sabine Abfalter
Sabine Abfalter

Raiffeisen Bank International AG (RBI) has securitized a loan portfolio worth € 2.8 billion. The portfolio consists of corporate loans mainly in Austria, Slovakia, Germany, and the Czech Republic. In this synthetic securitization, the portfolio was split into a
senior, a mezzanine and a junior risk position. The credit risk of the mezzanine tranche was assumed by international institutional investors. RBI retains the credit risk of the junior and senior tranches. Thanks to this securitization structure, the transaction has no impact on customer relations. At group level, the transaction will strengthen the common equity tier 1 ratio
by approximately 16 basis points. 

"Securitizations are an important instrument for our group to strengthen our capital ratio and to support the growth of RBI Group through the transfer of risk. Based on the trusted relationship with investors, we were able to increase this transaction
compared to those in 2022 and 2023. Moreover, we have been able to expand our investor base: a combination of alternative investment funds and an insurance company provide further protection," said RBI CFO Sabine Abfalter.