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Investor Presentation London
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Disclaimer
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Executive Summary
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Executive Summary - Consolidated Profit
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Executive Summary - Operating Income
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Executive Summary - NPL Ratio
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Executive Summary - Loans to Customers
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Anti-Money Laundering Efforts
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Structural growth opportunities vs. the euro area
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Structural growth opportunities vs. the euro area (2)
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Ongoing converges in wages and productivity - Labor Markets
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Ongoing converges in wages and productivity - CE Markets
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Strategic Focus in Retail and Corporate
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We believe in an evolving world
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RBI's five digitalization pillars - Integration Layers
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RBI's five digitalization pillars - Agile & X-Functional Working
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RBI's five digitalization pillars - Strong Data & Analytics Capabilities
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RBI's five digitalization pillars - Digital operational excellence
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RBI's five digitalization pillars - Effective group-wide innovation
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Investment Case
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Outlook and Russia
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Aiming for 55% Cost/Income Ratio in 2021 - 2017
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Aiming for 55% Cost/Income Ratio in 2021 - Trends
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Aiming for 55% Cost/Income Ratio in 2021 - Summary
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Cost pressure in 2019, from wages, IT and digital
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Well-positioned for growth and dividends
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Well-positioned for growth and dividends - Payout Ratio
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RBI in Russia: a robust business model
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RBI in Russia: a robust business model (2)
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RBI in Russia: a robust business model (3)
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IFRS9 and Risk Outlook
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IFRS9 Impairment Positioning
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Credit Clock reduces risk cost volatility
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Credit Clock reduces risk cost volatility (2)
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Credit Clock reduces risk cost volatility (3)
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Annualized provisioning ratio since 2017
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Improved Risk Profile
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Improved Risk Profile (2)
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Improved Risk Profile (3)
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Improved Risk Profile (4)
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Provisioning Ratio through the cycle
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Q&A
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Digital Transformation
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Group-wide Infrastructure and Open API platform
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Merlin Platform: integrating RBI Group
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Merlin enabled group solutions
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Open APIs: Ready for future development
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Implementation of an adaptive organization
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RBI develops towards an adaptive organization while its digital transformation
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Advanced analytics methods to enhance customer satisfaction
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Data and analytics to enhance customer business
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Introducing Innovative Banking in Central and Eastern Europe
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Efficiency Improvements through Smart Automation
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With a cloud approach and a modularized IT-Architecture we are ready for the future
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Striving for continuous improvement
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Innovation vehicles facilitate new solutions and partnerships
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Retail Overview
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Retail Overview (2)
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Expanding Client Base and digital sales
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Marked increase in mobile banking penetration
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Online landing already strong and increasing further
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Strong focus on enhancing customer experience through mobile payments
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Selected best practices and Furtive Initiatives
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Russian retail: resilient and diversified business
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Clear competitive edge in sales & digitalization
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Retail Targets and digital priorities
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Outro
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RBI's place in the future of Banking
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Q & A