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Investor Relations14 Oct 2025
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Raiffeisen Bank International (RBI) investor relations material
Raiffeisen Bank International Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Consolidated profit for H1 2025 was €148m, down 89% year-over-year due to a €1.2bn Russia claim derecognition; adjusted profit was €567m, up 5% year-over-year.
Consolidated ROE was 8.0%, down 7pp year-over-year; excluding Russia, ROE was 8.1%.
CET1 ratio at 18.2% (transitional, including results), up 1pp YTD; excluding Russia, CET1 ratio was 15.7%.
Loan growth and retail volumes were strong, especially in personal loans and mortgages; corporate lending improved.
Dividend of €1.10 per share for 2024 was distributed in April 2025.
Financial highlights
Net interest income for H1 2025 was €2,972m, up 4.7% year-over-year; net fee and commission income was €1,353m, up 2.6%.
Loans to customers reached €102.2bn, up 3% YTD; deposits from customers at €121.4bn, up 1% quarter-over-quarter.
Cost/income ratio for the group was 43.7% (Q2 2025); for the core group (excl. Russia) it was 52.6%.
NPE ratio at 1.8% for the group; NPE coverage ratio at 50.2%.
Earnings per share for H1 2025 was €0.28, down from €3.87 in H1 2024.
Outlook and guidance
Full-year NII and fee income guidance unchanged; NII expected at ~€4.15bn and fee income at ~€1.95bn (excl. Russia).
Loan growth expected at 6–7% for 2025.
CET1 ratio expected to land at ~15.2% by year-end 2025.
Risk cost guidance reduced to 35bps for 2025, reflecting strong asset quality but persistent uncertainty.
Medium-term consolidated ROE target is around 10%; core group ROE guidance remains at 13%.
How did US tariffs impact European economies?
Explain Rasperia's anti-suit injunction request.
What is the outlook for RBI excluding Russia?
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Next Raiffeisen Bank International earnings date
Q3 202530 Oct, 2025
Next Raiffeisen Bank International earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Raiffeisen Bank International AG is an Austrian banking institution serving as a key component of the decentralized Raiffeisen Banking Group. RBI plays a dual role within the group: it acts as the central financial entity for operations within Austria and as a holding company for the group's international banking operations outside Austria. The bank provides a broad range of services including corporate, retail, and investment banking, along with specialized financial services through its network of subsidiary banks, leasing companies, and other financial service providers. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.
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