Preliminary Results 2021

Vienna,

• RBI: Consolidated profit of EUR 1.4 billion in 2021, above pre-pandemic level, driven by economic recovery in core markets
• Net interest income up 7% year-on-year driven by volume growth and higher key rates
• Record net fee and commission income of EUR 1,985 million, up 18%
• Cost/income ratio at 53.5%0.30% provisioning ratio, including stage 1 & 2 provisions for COVID-19 and geopolitics
• Loans to customers up 15%, incl. Bulgarian entity
• Net interest margin stabilized around 2%
• CET1 ratio at 13.1%
• Dividend proposal of EUR 1.15 per share, corresponding to a payout ratio of 28%

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