)
Visual
test
Raiffeisen Bank International
Raiffeisen Bank International (RBI) investor relations material
Raiffeisen Bank International Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Consolidated profit excluding Russia reached EUR 1,443 million for 2025, up 48% year-over-year, with ROE at 10.6% and strong loan growth; consolidated profit for the group was EUR 1,371 million.
Dividend proposal of EUR 1.60 per share for 2025, subject to approval.
Management changes announced: Michael Höllerer to become CEO from July 1, 2026; Kamila Makhmudova appointed CFO.
Business reduction in Russia remains on track, with all restrictions to continue in 2026.
Financial highlights
Net interest income for 2025 was EUR 5,874 million, up 2% year-over-year; net fee and commission income was EUR 2,731 million, up 4%.
Loans to customers grew 6% year-to-date to EUR 105.6 billion; deposits from customers increased 2% quarter-over-quarter to EUR 127.6 billion.
Cost/income ratio rose to 44.8% for the group, 53.1% for the core group excluding Russia.
Risk cost for 2025 was EUR 192 million (20 bps), down year-over-year; NPE ratio at all-time low of 1.7%.
CET1 ratio at year-end 2025 was 17.9% (transitional); 15.5% for the core group excluding Russia.
Outlook and guidance
2026 guidance: main revenues expected to grow by 4%-5%, loan growth targeted at 7%, and CET1 ratio above 15%.
Net interest income projected at around EUR 4.4 billion, net fee and commission income at around EUR 2.1 billion, OPEX around EUR 3.6 billion, cost/income ratio at 52.5%.
Risk cost guidance for 2026 at 35 bps, reflecting prudency amid geopolitical uncertainties.
ROE expected to remain stable at 10.5% excluding Russia; core group (excluding Russia and Poland) expected to approach 13%.
Details on Russia deconsolidation scenario?
Update on Poland FX loan provisions/costs?
Rationale for dividend proposal given CET1?
Explain the Russian op-risk RWA increase impact
What drives 13%+ ROE beyond 2026?
Why NII margin pressure in 2026 despite loan growth?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebPECO
2026 FFO per share growth guided at 5.5% with record occupancy and robust acquisitions. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebNVDA
AI-driven digital twins and real-time simulation will transform engineering and manufacturing. - 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position. - 6 FebCPT
2025 results beat guidance; Sun Belt focus, asset sales, and share buybacks drive 2026 strategy. - 6 FebCRIH1 2025 saw a return to profit, record revenues, and strong cash from major space projects.
Next Raiffeisen Bank International earnings date
Q4 20252 Mar, 2026
Raiffeisen Bank International
Next Raiffeisen Bank International earnings date
Q4 20252 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage