Raiffeisen Bank International Ag · VIE:RBI
Raiffeisen Bank International — Shareholder Meeting (March 2025)
19 slides from Raiffeisen Bank International's shareholder meeting presentation, Mar 26, 2025
Slide 1: Raiffeisen Bank International Annual General Meeting
Raiffeisen Bank International Annual General Meeting 26 March 2025
Slide 2: Disclaimer
Disclaimer Certain statements contained herein may be statements of future Subject to applicable securities law requirements, we disclaim any intention These Materials are directed only at relevant persons and expectations and other forward-looking statements about Raiffeisen or obligation to update
Slide 3: Supervisory Board Report
Supervisory Board Report Erwin Hameseder Chairman of the Supervisory Board Annual General Meeting - 26 March 2025
Slide 4: Management Board Report
Management Board Report Johann Strobl CEO Annual General Meeting - 26 March 2025
Slide 5: Solid Result in the Core Group
Solid Result in the Core Group Consolidated profit Consolidated RoE CET1 ratio 1-12/2024 1-12/2024 31/12/2024, transitional, incl. results RBI Group EUR 1,157 mn 9.4% 17.1% -52% y-o-y -5.4 pp y-o-y -0.2 pp y-o-y excluding OCI recycling from Belarus deconsolidation Core Group excluding Russia / EUR 9
Slide 6: Solid Result in the Core Group
Solid Result in the Core Group Loans to customers Core revenues Opex and cost/income ratio 31/12/2024 1-12/2024, in EUR mn 1-12/2024 RBI 5,779 Group EUR 99,551 mn EUR 3,786 mn 2,638 43.0% +0% y-o-y +3% y-o-y -9% -1% y-o-y +0 pp NII NFCI Core Group 4,155 excluding Russia / EUR 95,363 mn EUR 3,311 mn
Slide 7: Strong Operating Trends in the Core Group
Strong Operating Trends in the Core Group Improvement in the Core Group has compensated for pre-war Russian and Belarus contributions RBI Group Core Group excluding Russia / Belarus 6,187 6,243 Operating income 5,544 5,570 5,592 in EUR mn 5,073 3,066 2,933 Operating result 2,801 2,492 2,592 in EUR m
Slide 8: Core Revenue Trends: Net interest income
Core Revenue Trends Net interest income in EUR mn RBI Group 1,422 1,473 1,428 1,410 1,430 1,511 1,358 1,343 excluding Russia / Belarus: 1,082 1,092 1,060 1,033 1,042 Core Group 980 1,020 1,019 excluding +2% q-o-q Russia / Belarus 2023 2024 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Annual General Meeting - 26 March 20
Slide 9: Core Revenue Trends: Net fee and commission income
Core Revenue Trends Net fee and commission income in EUR mn RBI Group 935 excluding 692 635 644 639 680 650 668 Russia / Belarus: Core Group excluding 444 425 430 459 431 461 456 497 +9% q-o-q Russia / Belarus 2023 2024 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Annual General Meeting - 26 March 2025
Slide 10: Loans and Deposits to/from Customers
Loans and Deposits to/from Customers Loans to customers Deposits from customers in EUR bn in EUR bn y-o-y +0% y-o-y -1% 101.9 125.3 119.4 120.9 120.3 100.4 100.1 99.6 117.7 RBI Group 99.4 RBI Group Core Group Core Group 108.8 107.4 108.2 excluding 95.3 94.9 95.4 excluding 103.0 104.7 Russia / Belaru
Slide 11: Capital Ratios Clearly Above Requirements
Capital Ratios Clearly Above Requirements Strong development of CET1 ratio with P/B zero deconsolidation scenario of Russia to 15.1% +50 bps y-o-y 17.3% 17.1% 16.1% 15.1% 14.6% 14.0% 13.1% Proposed dividend (EUR 1.10) already deducted from FY/2024 ratio 31/12/2021 31/12/2022 31/12/2023 31/12/2024 RB
Slide 12: De-Risking in Russia
De-Risking in Russia Reducing business activity further 13.7 Loans to 9.0 customers in -69% 7.1 6.0 5.8 4.2 Loan book reduction ahead of schedule: 30% reduction in FY/2024 Russia since 30/06/2022 Deposits from customers reduced in EUR bn 30/06 31/12 30/06 31/12 30/06 31/12 by 35% in FY/2024 2022 202
Slide 13: Risk management
Risk cost NPE 1-12/2024 31/12/2024 Risk management Provisioning ratio NPE ratio 2024 22 bps -12 bps y-o-y 2.1% 27 bps of risk cost excl. Russia and Belarus, with CE and SEE proving very resilient +17 bps y-o-y Utilization of overlays for CRE and leveraged 27 bps excluding Russia / Belarus portfolio
Slide 14: Inflation and Macro Outlook
Inflation and Macro Outlook Inflation rate (CPI) (average, y-o-y) Inflation 2.5% 2,2% 3.9% CZ Most CE/SEE countries expected to face 3.1% 2025f 2026f inflation stabilising at still elevated levels SK (vs. pre-pandemic). Further gradual decline expected in the euro area in 2025. 2.2% 2.1% 4.8% 3.3% 5
Slide 15: 2025 Core Group Guidance (excl. Russia)
2025 Core Group Guidance (excl. Russia) Income Statement around EUR 4.15 bn around EUR 1.95 bn around EUR 3.45 bn Net interest income Net fee and commission income OPEX around 52.5% up to 50 bps Cost/income ratio Risk cost excluding potential use of overlays Profitability & Balance Sheet around 10%
Slide 16: 2025 Core Group Guidance (excl. Russia)
2025 Core Group Guidance (excl. Russia) Medium term consolidated RoE Core Group excluding Russia / Belarus Core reported (look-through) Excl. Russia and Belarus and RBI Group excl. provisions and legal cost including Russia / Belarus for FX loans in Poland 15.4% 13.9% 13.3% 13% and above 13% 12.9% 1
Slide 17: Dividend Proposal of EUR 1.10 per Share
Dividend Proposal of EUR 1.10 per Share Dividend Proposal The Management Board decided to propose to the General Meeting of Shareholders, the distribution of a dividend of EUR 1.10 per ordinary share entitled to dividend. Proposed dividend amount: Maximum distribution: EUR 1.10 EUR 362 mn 17 Annual
Slide 18: Financial Calendar
Financial Calendar Group Investor Relations Raiffeisen Bank International AG 31 March 2025 Ex-Dividends Date Am Stadtpark 9 1030 Vienna 01 April 2025 Record Date Dividends Austria +43 1 71 707 2089 02 April 2025 Dividend Payment Date ir@rbinternational.com 6 May 2025 First Quarter Report, Conference
Slide 19: Make it happen
Make it happen
Raiffeisen Bank International — Shareholder Meeting (March 2025) on 6ix