1-9/2023 results

Net interest income remains strong, CET1 ratio improve further

Profit after tax of EUR 1,186 million in 1-9/2023 excluding Russia and Belarus, up 29% (excluding Bulgaria in 2022)
Core revenues excluding Russia and Belarus up 20% year-over-year to EUR 4,430 million, driven by net interest income
CET1 ratio at 16.5% (transitional, incl. profit), excluding Russia 14.4%
Significantly lower provisioning for impairment losses year-over-year (down EUR 470 million)
Customer loans in Russia down EUR 2.7 billion year-to-date, supported by currency devaluation
Provisions for CHF mortgages in Poland up EUR 1,338 million