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Raiffeisen Bank International AG
/ Key word(s): 9 Month figures
RBI 1-9/2025: Consolidated profit (excluding Russia) of more than EUR 1 billion, up 21 per cent
30.10.2025 / 07:30 CET/CEST
The issuer is solely responsible for the content of this announcement.
RBI 1-9/2025: Consolidated profit (excluding Russia) of more than EUR 1 billion, up 21 per cent
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Consolidated profit 1-9/2025 at EUR 1,027 million for the core group (excluding Russia)
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Main revenues of EUR 1,561 million, up 2% q-o-q
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Loan origination accelerated in Q3 across CE and SEE
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CET1 ratio excluding Russia at 15.7% (group CET1 ratio at 18.2%)
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Business reduction in Russia ahead of schedule
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Return on equity targets confirmed
The following tables refer to RBI excluding Russia and Belarus:
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Income Statement in EUR million
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1-9/2025
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1-9/2024
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Q3/2025
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Q2/2025
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Net interest income
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3,129
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3,113
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1,056
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1,027
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Net fee and commission income
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1,473
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1,348
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505
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502
|
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Net trading income and fair value result
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19
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20
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(12)
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59
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General administrative expenses
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(2,562)
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(2,404)
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(837)
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(874)
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Operating result
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2,228
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2,271
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785
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765
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Other result
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(298)
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(552)
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(65)
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(166)
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Governmental measures and compulsory contributions
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(199)
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(165)
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(46)
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(37)
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Impairment losses on financial assets
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(120)
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(157)
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(12)
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(62)
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Profit/loss before tax
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1,611
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1,397
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661
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500
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Profit/loss after tax
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1,215
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1,003
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528
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369
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Consolidated profit
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1,027
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847
|
460
|
307
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Financial statement in EUR million
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30/9/2025
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31/12/2024
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Loans to customers
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98,481
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95,363
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Deposits from customers
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115,131
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108,205
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Total assets
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192,826
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184,961
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Total risk-weighted assets (RWA)
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78,639
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78,325
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Bank-specific information
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30/9/2025
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31/12/2024
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NPE Ratio
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1.7%
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2.1%
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NPE Coverage Ratio
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47.7%
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50.4%
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CET1 ratio transitional (incl. profit)
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15.7%
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15.1%
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Total capital ratio transitional (incl. profit)
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20.6%
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20.4%
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Key ratios
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1-9/2025
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1-9/2024
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Q3/2025
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Q2/2025
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Net interest margin (Ø interest-bearing assets)
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2.29%
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2.33%
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2.30%
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2.27%
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Cost/income ratio
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52.8%
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50.9%
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50.9%
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52.6%
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Provisioning ratio (Ø loans to customers)
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0.14%
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0.22%
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0.01%
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0.23%
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Consolidated return on equity
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10.0%
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8.6%
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14.0%
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8.9%
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Earnings per share in EUR
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2.87
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2.33
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1.32
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0.84
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The consolidated result for the entire RBI Group can be found in the Third Quarter Report 2025 on RBI’s
website
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Outlook 2025
The following guidance refers to RBI excluding Russia.
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Outlook 2025
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RBI excl. RU
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Net interest income in EUR
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around 4.15 bn
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Net fee and commission income in EUR
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around 1.95 bn
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Loans to customers (growth)
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6 to 7%
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General administrative expenses in EUR
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around 3.45 bn
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Cost/income ratio
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around 53.0%
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Provisioning ratio (excluding potential use of overlays)
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around 30 bps
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Consolidated return on equity
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around 10%
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CET1 ratio
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around 15.2%*
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*’P/B Zero’ Russia deconsolidation scenario
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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
30.10.2025 CET/CEST This Corporate News was distributed by EQS Group. www.eqs.com
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