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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?
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Next Raiffeisen Bank International earnings date
Q4 20252 Mar, 2026
Raiffeisen Bank International
Next Raiffeisen Bank International earnings date
Q4 20252 Mar, 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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