COMMUNIQUÉ DE PRESSE
par Raiffeisen International Bank-Holding AG (ETR:RAW)
Consolidated profit (excluding Russia) above 1.4 billion euros
EQS-News: Raiffeisen Bank International AG / Key word(s): Preliminary Results
Consolidated profit (excluding Russia) above 1.4 billion euros
30.01.2026 / 07:29 CET/CEST
The issuer is solely responsible for the content of this announcement.
RBI: Preliminary Results 2025
Consolidated profit (excluding Russia) above 1.4 billion euros
Consolidated profit (excluding Russia) above 1.4 billion euros
- Consolidated profit 2025 up 48% to EUR 1,443 million (excluding Russia), with provisions for FX loans in Poland down significantly
- Main revenues up 3% to EUR 6,186 million, driven by accelerating loan growth (6% for FY/2025)
- CET1 ratio excluding Russia at 15.5% (Group CET1 ratio at 17.9%)
- Business reduction in Russia on target - all restrictions to remain in place in 2026
- Dividend proposal of EUR 1.60 per share, subject to audited results and to be voted on at the AGM
- Outlook for 2026 (excluding Russia): main revenues to increase by mid-single digits, loan growth around 7% and CET1 ratio above 15%
The following tables refer to RBI excluding Russia and Belarus:
The data contained in this release is based on unaudited figures. The Annual Financial Report 2025 will be published on 2 March 2026.
| Income Statement in EUR million | 1-12/2025 | 1-12/2024 | Q4/2025 | Q3/2025 |
| Net interest income | 4,184 | 4,155 | 1,054 | 1,056 |
| Net fee and commission income | 2,002 | 1,845 | 529 | 505 |
| Net trading income and fair value result | 1 | 61 | (18) | (12) |
| General administrative expenses | (3,456) | (3,311) | (894) | (837) |
| Operating result | 2,964 | 2,933 | 736 | 785 |
| Other result | (310) | (748) | (13) | (65) |
| Governmental measures and compulsory contributions | (248) | (185) | (49) | (46) |
| Impairment losses on financial assets | (192) | (287) | (72) | (12) |
| Profit/loss before tax | 2,214 | 1,712 | 603 | 661 |
| Profit/loss after tax | 1,693 | 1,158 | 478 | 528 |
| Consolidated profit | 1,443 | 975 | 416 | 460 |
| Financial statement in EUR million | 31/12/2025 | 31/12/2024 |
| Loans to customers | 101,195 | 95,363 |
| Deposits from customers | 117,277 | 108,205 |
| Total assets | 193,191 | 184,961 |
| Total risk-weighted assets (RWA) | 80,932 | 78,325 |
| Bank-specific information | 31/12/2025 | 31/12/2024 |
| NPE Ratio | 1.7% | 2.1% |
| NPE Coverage Ratio | 44.2% | 50.4% |
| CET1 ratio transitional (incl. profit) | 15.5% | 15.1% |
| Total capital ratio transitional (incl. profit) | 20.3% | 20.4% |
| Key ratios | 1-12/2025 | 1-12/2024 | Q4/2025 | Q3/2025 |
| Net interest margin (Ø interest-bearing assets) | 2.28% | 2.33% | 2.26% | 2.30% |
| Cost/income ratio | 53.1% | 52.5% | 54.1% | 50.9% |
| Provisioning ratio (Ø loans to customers) | 0.20% | 0.27% | 0.37% | 0.01% |
| Consolidated return on equity | 10.6% | 7.3% | 12.4% | 14.0% |
| Earnings per share in EUR | 4.04 | 2.64 | 1.16 | 1.32 |
The data contained in this release is based on unaudited figures. The Annual Financial Report 2025 will be published on 2 March 2026.
Outlook 2026
The following guidance refers to RBI excluding Russia.
| Outlook 2026 | RBI excl. RU |
| Net interest income in EUR | around 4.4 bn |
| Net fee and commission income in EUR | around 2.1 bn |
| Loans to customers (growth) | around 7% |
| General administrative expenses in EUR | around 3.6 bn |
| Cost/income ratio | around 52.5% |
| Provisioning ratio (excluding potential use of overlays) | around 35 bps |
| Consolidated return on equity | around 10.5% |
| CET1 ratio | above 15%* |
| *’P/B Zero’ Russia deconsolidation scenario |
In the medium term, RBI aims to achieve a consolidated return on equity of at least 13% excluding Russia and excluding provisions and legal cost for foreign currency loans in Poland.
For further information please contact:
John P. Carlson, CFA
Head of Group Investor & Media Relations
Raiffeisen Bank International AG
Am Stadtpark 9
1030 Vienna, Austria
ir@rbinternational.com
phone +43-1-71 707-2089
www.rbinternational.com
30.01.2026 CET/CEST This Corporate News was distributed by EQS Group
View original content: EQS News
| Language: | English |
| Company: | Raiffeisen Bank International AG |
| Am Stadtpark 9 | |
| A-1030 Vienna | |
| Austria | |
| Phone: | +43-1-71707-2089 |
| E-mail: | ir@rbinternational.com |
| Internet: | https://www.rbinternational.com/en/raiffeisen.html |
| ISIN: | AT0000606306 |
| WKN: | A0D9SU |
| Listed: | Regulated Unofficial Market in Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate BSX; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) |
| EQS News ID: | 2268484 |
| End of News | EQS News Service |
2268484 30.01.2026 CET/CEST