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Raiffeisen Bank International (RBI) investor relations material
Raiffeisen Bank International Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Consolidated profit for the first nine months excluding Russia reached EUR 1.027 billion, up 21% year-over-year, with a return on equity (ROE) of 10%, in line with guidance for 2025; consolidated profit including Russia dropped 56% to EUR 926 million due to a EUR 1.2 billion derecognition and ongoing de-risking.
Excluding both Russia and Poland, ROE was 13.5% for the period, with an ambition to maintain around 13% going forward.
CET1 ratio at 30/09/2025 was 18.2% (transitional, incl. results), with Core Group CET1 ratio excluding Russia at 15.7%.
Loan growth across the region continued at a 3% pace year-to-date, with strong retail lending in Czechia and Slovakia and above-market growth in most markets.
The business in Russia has been significantly reduced, with the loan book down nearly 60% and customer deposits down almost 40% since the start of the war.
Financial highlights
Net interest income for 1-9/2025 was EUR 4,431 million, up 4% year-over-year; net fee and commission income was EUR 2,032 million, up 3%.
Operating expenses increased 7% year-over-year to September 2025, mainly due to inflation-driven staff costs and higher transaction taxes, leading to a cost/income ratio of 43.8% (Group) and 53% (guidance for Core Group).
Provisioning ratio for the year stands at 14-18 basis points, with risk costs remaining very low and defaults/insolvencies at minimal levels.
NPE ratio reached a new low of 1.7%, with Stage 3 coverage ratio stable around 50%.
Loans to customers grew 3% year-to-date to EUR 103,027 million; deposits from customers increased 4% quarter-over-quarter to EUR 125,284 million.
Outlook and guidance
Loan growth guidance for 2025 is confirmed at 6%-7%.
ROE guidance for the group excluding Russia is 10%, and about 13% excluding Russia and Poland for the future.
Risk cost guidance for 2025 is brought down to around 30 basis points.
Poland litigation provision guidance for 2025 is around EUR 300 million, with expectations for 2026 to be lower, in the EUR 220-250 million range.
Year-end CET1 ratio expected at 15.2% in a Russia deconsolidation scenario.
Rasperia dispute: RBI's recourse strategy?
Polish FX loans: New law's cash flow impact?
What drives 13% ROE target ex-Russia?
STRABAG shares and sanction package update
Poland FX mortgage provisions outlook 2026
Drivers for CET1 ratio drop to 15.2% year-end
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Next Raiffeisen Bank International earnings date
Q4 202530 Jan, 2026
Next Raiffeisen Bank International earnings date
Q4 202530 Jan, 2026
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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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