Raiffeisen Bank International Ag · VIE:RBI
Raiffeisen Bank International — Q1 2026 Earnings Presentation
66 slides from Raiffeisen Bank International's earnings presentation, May 5, 2026
Slide 1: Raiffeisen Bank International Q1/2026 Results
Raiffeisen Bank International Q1/2026 Results 5 May 2026 Raiffeisen Bank International | Member of RBI Group Confidential and proprietary Any use of this material without specific permission of Raiffeisen Bank International is strictly prohibited.
Slide 2: Disclaimer
Disclaimer Certain statements contained herein may be statements of future This presentation contains financial and non-financial information relating to investments falling within Article 19(5) of the Financial expectations and other forward-looking statements about Raiffeisen and statistical data
Slide 3: Executive Summary
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 5 May 2026
Slide 4: Q1/2026 Executive Summary
Q1/2026 Executive Summary RBI Consolidated profit Consolidated RoE CET1 ratio Group 1-3/2026 1-3/2026 31/03/2026, transitional, incl. results EUR 470 mn 9.0% 17.7% +6% q-o-q -5.8 pp q-o-q -0.2 pp ytd Adjusted Consolidated profit Consolidated RoE CET1 ratio EUR 209 mn 5.2% excl. Russia 14.9% -50% q-o
Slide 5: Acquisition of Garanti BBVA Romania
Acquisition of Garanti BBVA Romania Accelerates profitable growth in Romania and delivers meaningful cost and revenue synergies Signing Closing Merger March 2026 exp. Q4/2026 exp. Q4/2027 Q4/2026 2027 Integration 2028 Synergies visible from 2028 Regulatory filings & Data migration and rebranding app
Slide 6: Addiko – Voluntary Public Tender Offer and Carve-out
Addiko – Voluntary Public Tender Offer and Carve-out Voluntary Public Tender offer for all Addiko shares at EUR 23.05 per share and carve-out at fair market value Offer Publication VTO completed Carve-out Closing mid-May 2026 exp. Q4/2026 expected in Q2 or Q3/2027 Q2 Q3 Q4/2026 Initial 2027 Final 20
Slide 7: Business Reduction to Continue in 2026
Business Reduction to Continue in 2026 Significant business reduction since 2022 1 Loan book reduction Loans to customers in RUB -78% terms since February 2022 RWA 27.1 RUBEUR Excluding EUR 1.95 bn at Q1/2026 for blocked dividends and coupons from Russian +23% in corporate customers to non-resident
Slide 8: Macro Outlook
Macro Outlook GDP (real, % yoy) 2024 2025 2026f 2026f 2027f Geopolitics and the corresponding oil supply shock are in Czech Republic 1.1 2.7 2.2 1.6 1.9 focus. Europe is less directly affected than in 2022, leading Hungary 0.7 0.5 1.8 1.3 3.0 to more moderate rise in gas and electricity prices so fa
Slide 9: Inflation and Key Rates Forecast
Inflation and Key Rates Forecast Inflation Inflation rate (CPI) Inflation is expected to pick up rapidly due to the surge in 4.0% (average, % y-o-y) energy prices, although not to levels seen in 2022. The CZ 2.6% 4.3% 4.0% 2026f 2027f trajectory of inflation is expected to vary from country to count
Slide 10: 2026 Core Group Guidance
2026 Core Group Guidance (excl. Russia) Income Statement around EUR 4.4 bn around EUR 2.1 bn around EUR 3.6 bn around 52.5% around 35 bps Net interest Net fee and OPEX CIR Risk cost excluding income commission income potential use of overlays Profitability & Balance around 10.5% around 7% around 14.
Slide 11: Financials
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 5 May 2026
Slide 12: Q1/2026 Executive Summary
Q1/2026 Executive Summary RBI Loans to customers Main revenues Opex and Cost/Income Ratio Group 31/03/2026 1-3/2026, in EUR mn 1-3/2026 1,459 EUR 109,120 mn 693 EUR 1,075 mn 48.0% +3% ytd +1% q-o-q -1% -2% q-o-q +0 pp Net interest Net fee & income commission income Adjusted Loans to customers Main r
Slide 13: Q1/2026 Net Interest Income Trends
Q1/2026 Net Interest Income Trends Net interest income in EUR mn 1,046 1,056 1,054 1,076 Solid increase in Core Group 1,027 Core Core Group NII up 2% q-o-q, benefitting from Excluding Russia balance sheet growth and stable rates +2% NIM stable at 2.25% for the Core excluding q-o-q Russia (-1 bps dow
Slide 14: Q1/2026 Net Fee and Commission Income Trends
Q1/2026 Net Fee and Commission Income Trends Net fee and commission income in EUR mn 502 505 529 520 NFCI trends 466 Core NFCI in Q1 down 2% q-o-q excluding Russia, Excluding Russia compared to a seasonally strong Q4 -2% Up by EUR 22 mn q-o-q in GC&M with strong q-o-q DCM business, structured financ
Slide 15: Loans to Customers in Q1/2026
Loans to Customers in Q1/2026 Loans to customers in EUR bn Loans to … in EUR mn … non-financial corporations … households Core 104.7 Excluding Russia 101.2 47.5 97.5 98.5 46.5 43.0 96.1 42.1 45.0 +2% 40.8 +2% +3% q-o-q q-o-q q-o-q +9% y-o-y Q3 Q4/25 Q1/26 Q3 Q4/25 Q1/26 31/03/25 30/06/25 30/09/25 31
Slide 16: Deposits and Liquidity Across the Group
Deposits and Liquidity Across the Group Deposits from customers Liquidity ratios in EUR bn 122.9 LCR 148% 146% Core 115.1 117.3 Core Excluding 109.3 110.8 Excluding 138% 133% 135% Russia +5% Russia 139% 138% NSFR 138% q-o-q 133% 135% Loan/deposit Deposits 60.5 62.3 63.2 ratio 57.6 58.9 88% 88% 87% 9
Slide 17: CET1 Ratio Development – Core Group excl. Russia
CET1 Ratio Development – Core Group excl. Russia - -28 bps q-o-q 15.5% 15.2% + - 14.9% - + + - 1st January 2026 impact of OpRisk increase +26 bps -35 bps -21 bps +5 bps +2 bps -5 bps Profit Portfolio Dividend / Market risk Inorganic & FX development AT1 coupons Other (credit risk) accrual Assuming P
Slide 18: P/B Zero Deconsolidation Scenario in Russia
P/B Zero Deconsolidation Scenario in Russia Capital stack under P/B Zero deconsolidation scenario 14.9% Expected around 14.3% at year-end 2026 2.59% T2 Assumptions: 2.70% With Russia deconsolidated EUR 5.8 bn IFRS equity partially at P/B Zero, AT1 and T2 CET1 offset by deduction 2.16% AT 1 2.02% buc
Slide 19: CET1 Outlook 2026 – Core Group excl. Russia
CET1 Outlook 2026 – Core Group excl. Russia Core Group CET1 ratio expected around 14.3 per cent at year-end 2026 and around 14.5 per cent mid-term 14.9% around 14.3% Expected CET1 drivers until year-end 2026: Changes in CET1 ratio Capital allocation Any decision on dividends Portfolio will be based
Slide 20: Capital Ratios and SREP
Capital Ratios and SREP RBI Group, transitional, pro-forma, as of 31/03/2026 Requirements as of 31/03/2026 21.6% P2R 1.56% to be met with CET1 19.5% 2.78% 52 bps eligible for AT1 17.7% 16.76% 70 bps eligible for T2 Tier 2 14.06% 2.70% (incl. P2R) 12.04% 2.02% AT 1 P2G To be solely covered by CET1 bu
Slide 21: MREL and Funding Plan
MREL and Funding Plan Austria resolution group MREL Including profit Actual Funding plan 31/03/2026 Requirement RBI Group: possible T2 pre-funding and senior benchmark 43.88% Possible Senior preferred by Tatra Banka (Slovakia) in Q2 and EUR benchmark by Raiffeisen Romania after the summer 11.10% Sen
Slide 22: Poland FX Mortgage Update
Poland FX Mortgage Update Number of FX loans in Poland Poland FX mortgage exposure and stock of provisions in thousand, 31/03/2026 55.1 CHF loans EUR loans 9.4 CHF loans Exposure EUR 1,181 mn Exposure EUR 346 mn 18.1 9.9 EUR loans Stock of Stock of 8.6 provisions for litigation: provisions for litig
Slide 23: Risk Update
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 5 May 2026
Slide 24: Risk Overview
Risk Overview Risk cost NPE ratio/ coverage ratio Stock of risk overlays excluding Russia, 1-3/2026 excluding Russia, 31/03/2026 31/03/2026 Provisioning ratio Risk cost1 765 36 bps EUR 103 mn 1.6% 46.4% 342 467 Russia 413 403 (released) -1 bps q-o-q -0.1 pp q-o-q +2.2 pp 97 GC&M, CE, 346 270 324 313
Slide 25: IFRS 9 Provisioning
IFRS 9 Provisioning Core Group – Q1/2026 excluding Russia EUR EUR Overall EUR 103 mn of IFRS 9 provisions in Q1 62 mn 103 mn EUR + Stage 1 & 2: driven by head office and +74 mn migration to stage 3 + - Macro: increase driven by impacts from EUR geopolitical developments -10 mn - Overlays: release ma
Slide 26: Q1/2026 RWA Development
Q1/2026 RWA Development Core Group excl. Russia 1.4 - 84.4 2.3 80.9 -0.3 4.9 Market risk 5.1 Operational 17.1 18.5 risk Credit risk 58.7 61.0 Credit risk Op risk Market risk FX RWA in EUR bn 31/12/2025 31/03/2026 Credit RWAs largely driven by exposure growth: Corporate EUR 0.7 bn (mainly in Austria,
Slide 27: NPE Ratio and NPE Coverage
NPE Ratio and NPE Coverage 100.0% 59.8% 59.1% 58.5% 58.2% Central Europe EUR 755 mn Asset quality development q-o-q CE 1.1% 1.0% 1.0% 1.0% +2.7% q-o-q 0.0% 0.5% CE – slight increase of NPE stock mainly due to Slovakia 100.0% Southeastern 65.7% 66.3% 65.4% 66.7% Europe EUR 599 mn SEE – increase of NP
Slide 28: Appendix
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 5 May 2026
Slide 29: Geographic Footprint
Geographic Footprint Leading regional player with CEE presence of over 30 years Central Europe (CE) servicing approx. 19 million customers Southeastern Europe (SEE) Russia, #18 Covering Austria and 11 CEE markets, of which five are EU Ukraine ▪ Loans: EUR 4.4 bn members. Four countries have candidat
Slide 30: Raiffeisen Banking Group Structure
Raiffeisen Banking Group Structure Raiffeisen Banking Group (RBG) – largest banking group in Austria with total assets of EUR 405 bn as of 31/12/2024 Solid funding profile of RBG based on a domestic market share of around 34% of total customer deposits, not least due to superior brand recognition Th
Slide 31: Q1/2026 Income Statement and KPIs
Q1/2026 Income Statement and KPIs (in EUR mn) Q1/2026 % q-o-q % y-o-y Net interest income 1,459 +1% -3% Net interest margin 693 Q1/2026 Net fee and commission income -1% +4% Net trading income & fair value result 5 -87% -90% 2.81% Other operating components1 58 -22% +40% -3 bps q-o-q Operating incom
Slide 32: Q1/2026 Income Statement and KPIs (excl. Russia)
Adjusted excluding Q1/2026 Income Statement and KPIs Russia (in EUR mn) Q1/2026 % q-o-q % y-o-y Net interest income 1,076 +2% +3% Net interest margin Q1/2026 Net fee and commission income 520 -2% +11% Net trading income & fair value result 5 - - 2.25% Other operating components1 55 -16% +27% -1 bps
Slide 33: RBI Group including Russia
RBI Group including Russia Net interest income Net fee and commission income in EUR mn in EUR mn 1,504 1,468 1,459 1,443 1,459 668 685 679 699 693 +1% -1% q-o-q q-o-q Q1/2025 Q2 Q3 Q4 Q1/2026 Q1/2025 Q2 Q3 Q4 Q1/2026 Loans to customers Deposits from customers in EUR bn 109.1 in EUR bn 133.1 105.6 12
Slide 34: Total Exposure
Total Exposure Total exposure by segments – Q1/2026 … by sector – Q1/2026 in EUR bn, % q-o-q in EUR bn GC&M +5.1% Mortgages 31 21% Retail Consumer & Other Loans 25 102.4 266 bn 77 Sovereigns & supranationals CE +6.6% EUR Financial institutions 28 Sov. & FI 39% 91.8 Industrials 28 +4.1% q-o-q Materia
Slide 35: CET1 Ratio Development – RBI Group
CET1 Ratio Development – RBI Group - -21 bps q-o-q 17.9% 17.7% + - - + - - +47 bps -50 bps -18 bps +6 bps -2 bps -4 bps Profit Portfolio Dividend / Market risk Inorganic & FX development AT1 coupons Other (credit risk) accrual 31/03/2026 31/12/2025 Transitional (including results) 5 May 2026 35
Slide 36: Q1/2026 RWA Development – RBI Group
Q1/2026 RWA Development – RBI Group RBI Group including Russia 3.2 0.0 0.1 103.9 -0.4 100.9 Credit risk Operational risk Market risk FX RWA in EUR bn 31/12/2025 31/03/2026 5 May 2026 36
Slide 37: Q1/2026 Segments Overview
Q1/2026 Segments Overview Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q1/26 q-o-q Q2/25 Q3/25 Q4/25 Q1/26 Q1/26 q-o-q Q1/26 q-o-q 619 39,527 40,828 42,222 43,228 CE Net Fees 184 40,000 -3% 6.00% 44 bps EUR 17 mn 2.36% 2.39% 2.33% 2.30% 1.00% +11 bps -90% NII 434 +
Slide 38: Raiffeisen Capital Management
Raiffeisen Capital Management One of the leading asset managers in Central Europe, AUM 40% a 100% owned subsidiary of RBI celebrating 40 years ESG anniversary in 2025 since foundation 69% 31% Raiffeisen Capital Management is the leading asset management company in Austria. The aim is to EUR 68 bn Bu
Slide 39: Corporate Center/Reconciliation
Corporate Center/Reconciliation In EUR mn 1-3/2026 1-3/2025 y-o-y In EUR mn 1-3/2026 1-3/2025 y-o-y Operating income 642 947 (32.3%) Operating income (676) (991) (31.8%) General admin. expenses (120) (118) 1.4% General admin. expenses 48 48 0.1% Operating result 522 829 (37.1%) Operating result (628
Slide 40: Equity Overview
Equity Overview Cumulative other Non- Subscribed Capital Retained comprehensive Consolidated controlling Additional Total In EUR mn capital reserves earnings income equity interests tier 1 Equity Equity as at 1/1/2026 1,001 4,986 17,127 (3,661) 19,452 1,386 1,625 22,463 Capital increases 0 0 0 0 0 0
Slide 41: Consolidated RoE Calculation excl. Russia
Consolidated RoE Calculation excl. Russia – Overview FY/2024 1-12/2025 FY/2026 (guidance) Average equity excl. Russia EUR 11,820 mn EUR 12,516 mn EUR ~13.4 bn (assumed) Reported consolidated RoE uses the average of monthly equity, excluding profit year-to-date Consolidated Profit EUR 975 mn EUR 1,44
Slide 42: Regulatory Capital Structure – Overview
Regulatory Capital Structure - Overview in EUR mn 31/3/2026 31/12/2025 30/9/2025 Common equity tier 1 (before deductions) 19,061 19,027 18,137 Deduction items (1,052) (934) (844) Common equity tier 1 (after deductions) 18,008 18,093 17,293 Additional tier 1 (after deductions) 1,832 1,684 1,680 Tier
Slide 43: Maturity Profile
Maturity Profile Maturity Profile at 31/3/2026 (in EUR mn) 2,379 30 2,312 2,176 313 2,072 155 1,951 1,000 1,268 1,154 1,179 2,349 302 1,022 2,021 1,998 1,941 500 615 1,154 1,179 506 1,072 966 605 522 506 0 0 10 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 >2036 Senior placements Subordinat
Slide 44: AT1 and Subordinated Instruments
AT1 and Subordinated Instruments Regulatory Capital Initial Nominal Issuer ISIN Reset Coupon Issuance date First Call Date Call period Maturity Treatment 1 Recognition Coupon outstanding Raiffeisen Bank 5Y EUR ms Additional Tier 1 0% XS2207857421 6.000% EUR 141 mn2 29 Jul 2020 15 Jun 2026 Semi-annua
Slide 45: Liquidity Stress Test in Head Office
Liquidity Stress Test in Head Office Net liquidity position in severe name crisis scenario is positive, with c. EUR 5 bn Severe name crisis scenario: in the liquidity position after 12 months (and USD >1 bn) Assumptions – liabilities: On Demand Deposits from customers and banks: 100% outflow in day-
Slide 46: The Institutional Protection Scheme
The Institutional Protection Scheme (IPS) 1 RBI AG and its Austrian subsidiaries are members of the Raiffeisen IPS The IPS supports members if needed to ensure solvency and liquidity 2 IPS serves as capital cushion and source of liquidity to its members. Uniform and joint monitoring ensures the earl
Slide 47: Bank Levies
Bank Levies Impact in EUR mn FY 2025 1-3/2026 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 78 18 ~76 2026: The tax rates have increased: 10% for the portion of the tax base up to HUF 20 billion, and 30% Hungary 55 117 ~117 for the amount ab
Slide 48: NPE and NPL Distribution by Country
NPE and NPL Distribution by Country In EUR mn NPE Stock NPE Ratio NPE Ratio NPE Coverage Ratio NPE Coverage Ratio NPL Ratio NPL Ratio NPL Coverage Ratio NPL Coverage Ratio 31/3/2026 31/3/2026 31/12/2025 31/3/2026 31/12/2025 31/3/2026 31/12/2025 31/3/2026 31/12/2025 Czechia 289 0.7% 0.8% 53.7% 53.1%
Slide 49: RBI Group
RBI Group In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 1,459 1,443 1.1% 1,459 1,468 1,504 1,459 1,504 (3.0%) 5,874 Net fee and commission income 693 699 (0.8%) 679 685 668 693 668 3.8% 2,731 Net trading income and fair value result 5 4
Slide 50: RBI Core Group – excl. Russia and Belarus
RBI Core Group – excl. Russia and Belarus In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 1,076 1,054 2.1% 1,056 1,027 1,046 1,076 1,046 2.9% 4,184 Net fee and commission income 520 529 (1.7%) 505 502 466 520 466 11.4% 2,002 Net trading i
Slide 51: Country Financials (CE) – Czechia
Country Financials (CE) – Czechia In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 179 167 7.4% 175 165 165 179 165 8.2% 671 Net fee and commission income 55 62 (11.4%) 58 52 47 55 47 15.6% 219 Net trading income and fair value result (2)
Slide 52: Country Financials (CE) – Hungary
Country Financials (CE) – Hungary In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 109 108 0.2% 102 92 118 109 118 (7.9%) 420 Net fee and commission income 76 75 0.7% 68 68 67 76 67 13.6% 278 Net trading income and fair value result 2 (22)
Slide 53: Country Financials (CE) – Poland
Country Financials (CE) – Poland In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 3 3 (6.7%) 5 4 7 3 7 (59.1%) 19 Net fee and commission income 0 (0) – 0 0 0 0 0 (43.6%) 0 Net trading income and fair value result (0) 0 – (0) 0 0 (0) 0 – 0
Slide 54: Country Financials (CE) – Slovakia
Country Financials (CE) – Slovakia In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 144 141 1.7% 138 132 128 144 128 12.4% 539 Net fee and commission income 54 54 (0.5%) 51 50 51 54 51 6.8% 206 Net trading income and fair value result 4 3
Slide 55: Country Financials (SEE) – Albania
Country Financials (SEE) – Albania In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 34 33 0.6% 34 33 33 34 33 2.7% 132 Net fee and commission income 7 5 34.0% 8 8 7 7 7 6.4% 28 Net trading income and fair value result 1 2 (25.2%) 1 1 2 1 2
Slide 56: Country Financials (SEE) – Bosnia and Herzegovina
Country Financials (SEE) – Bosnia and Herzegovina In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 22 22 (0.9%) 22 21 22 22 22 (0.5%) 87 Net fee and commission income 14 17 (15.7%) 17 15 14 14 14 5.2% 63 Net trading income and fair value r
Slide 57: Country Financials (SEE) – Croatia
Country Financials (SEE) – Croatia In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 48 49 (3.1%) 48 49 47 48 47 1.9% 193 Net fee and commission income 18 19 (4.5%) 21 19 19 18 19 (1.9%) 78 Net trading income and fair value result 6 2 233.8
Slide 58: Country Financials (SEE) – Kosovo
Country Financials (SEE) – Kosovo In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 18 18 (0.7%) 18 18 17 18 17 4.5% 71 Net fee and commission income 3 4 (28.7%) 5 6 3 3 3 (4.0%) 19 Net trading income and fair value result 0 0 298.6% 0 0 0
Slide 59: Country Financials (SEE) – Romania
Country Financials (SEE) – Romania In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 158 162 (2.3%) 164 159 159 158 159 (0.6%) 644 Net fee and commission income 63 68 (7.1%) 64 68 48 63 48 32.6% 248 Net trading income and fair value result
Slide 60: Country Financials (SEE) – Serbia
Country Financials (SEE) – Serbia In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 67 70 (3.6%) 69 66 67 67 67 (0.3%) 272 Net fee and commission income 35 39 (10.7%) 35 34 31 35 31 13.1% 138 Net trading income and fair value result 4 4 (11
Slide 61: Country Financials – Ukraine
Country Financials – Ukraine In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 98 98 0.1% 101 100 101 98 101 (3.1%) 401 Net fee and commission income 12 14 (17.8%) 12 23 15 12 15 (19.0%) 65 Net trading income and fair value result 5 2 115.4
Slide 62: Country Financials – Russia
Country Financials – Russia In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 383 389 (1.6%) 402 441 457 383 457 (16.3%) 1,690 Net fee and commission income 173 170 1.8% 174 183 201 173 201 (14.0%) 729 Net trading income and fair value resu
Slide 63: Group Corporates & Markets
Group Corporates & Markets In EUR mn Q1/2026 Q4/2025 q-o-q Q3/2025 Q2/2025 Q1/2025 1-3/2026 1-3/2025 y-o-y 1-12/2025 Net interest income 176 179 (1.6%) 170 190 186 176 186 (5.4%) 725 Net fee and commission income 175 153 14.7% 152 147 148 175 148 18.7% 600 Net trading income and fair value result 44
Slide 64: Sustainability Ratings
Sustainability Ratings The Leading Sustainable Financial Institution in Austria & CEE RBI has been committed to the UN Global Compact, since 2010 and signed up to the UNEP FI Principles for Responsible Banking In January 2021. Since then, a comprehensive portfolio impact analysis was performed, and
Slide 65: Shareholder Information Overview
Shareholder Information Overview General information Shareholder structure1 Listed since 25 April 2005 on the Vienna Stock Exchange Prime Market Indices: ATX, ATX Prime, MSCI Standard Index Europe, EURO STOXX Banks Regional Raiffeisen Free float banks 328,939,621 ordinary shares issued ISIN: AT00006
Slide 66: Financial Calendar
Financial Calendar Group Investor & Media Relations Raiffeisen Bank International AG 23 July 2026 Start of Quiet Period Am Stadtpark 9 30 July 2026 Semi-Annual Report, Conference Call 1030 Vienna 23 October 2026 Start of Quiet Period Austria 3 November 2026 Third Quarter Report, Conference Call +43
Raiffeisen Bank International — Q1 2026 Earnings Presentation on 6ix