Raiffeisen Bank International (RBI) investor relations material

Financial performance and profitability

• Consolidated profit reached EUR 1,371 mn with a 6.9% RoE; core group profit (excluding Russia) was EUR 1,443 mn and 10.6% RoE, showing strong year-on-year growth.

• Net interest income for the core group excluding Russia was EUR 4,184 mn (+1% y-o-y), and net fee and commission income was EUR 2,002 mn (+9% y-o-y).

• Cost/income ratio for the core group excluding Russia was 53.1%, up 1 pp y-o-y; operating expenses increased by 4% y-o-y.

• Loans to customers in the core group excluding Russia reached EUR 101.2 bn (+6% y-o-y), with deposits at EUR 115.1 bn (+8% y-o-y).

• CET1 ratio excluding Russia stood at 15.5% at year-end 2025, with a proposed dividend already deducted.

Strategic developments and acquisitions

• Agreement reached to acquire 100% of Garanti BBVA Group Romania, expected to close in Q4 2026, making the group the third-largest bank in Romania by assets.

• Announced intention to submit a voluntary public tender offer for Addiko Bank AG, retaining Croatian, Slovenian, and Austrian businesses, with carve-out of other entities.

• Combined CET1 impact of these transactions expected to be around -10 bps on the group excluding Russia.

Russia business reduction and risk management

• Loans to customers in Russia reduced by 68% since June 2022, with a loan to deposit ratio of 27% at year-end 2025.

• Equity in Russia exceeds loans to customers, with EUR 5.6 bn equity vs. EUR 4.4 bn loans at year-end 2025.

• Payment restrictions and FX controls remain in place, with a 90% reduction in monthly FX payments compared to 2023 and H1 2024.

• NPE ratio at an all-time low of 1.7% (excluding Russia), with risk cost at EUR 192 mn and provisioning ratio at 20 bps.