67 slides from Raiffeisen Bank International's earnings presentation, Jul 31, 2026
Slide 1: Raiffeisen Bank International H1/2026 Results
Raiffeisen Bank International H1/2026 Results 31 July 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 31 July 2026
Slide 4: Priorities
Priorities Strategic review is under way Ready for growth Focus on profitability Technological transformation Doubling down on CE 13% Adjusted ROE is Customer interaction and and SEE just the start marketing Product mix and cross- Product delivery (speed, Mid-market and SME sell in GC&M scalability,
Slide 5: Russia De-Risking
Russia De-Risking Significant business reduction since 2022 1 Run-down remains our base-case going forward in Russia Deposits 29.5 Continued ring-fencing of the Russian business: no from spill-overs on the rest of the Group customers in Russia 20.2 All restrictions on business activities to remain i
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 26.50 per share and carve-out at fair market value Minimum acceptance rate VTO completed Carve-out Closing of 55% met as of 29 July1 expected Q4/2026 expected in H2/2027 Q3 Q4/2026 Initial
Slide 7: Acquisition of Garanti BBVA Romania on Track
Acquisition of Garanti BBVA Romania on Track Accelerates profitable growth in Romania and delivers meaningful cost and revenue synergies Closing Merger exp. Q4/2026 exp. Q4/2027 Q3 Q4/2026 2027 Integration 2028 Synergies visible from 2028 Regulatory filings & Data migration and rebranding approvals
Slide 8: H1/2026 Executive Summary – Core Group
H1/2026 Executive Summary – Core Group Consolidated Profit Loans to customers CET1 ratio 1-6/2026 1-6/2026 30/06/2026 transitional, incl. results EUR 708 mn EUR 106,959 mn 15.5% assuming P/B Zero + +25% + +6% deconsolidation (see p. 19) y-o-y ytd Consolidated RoE 1-6/2026 9.5% 12.0% excluding exclud
Slide 9: Macro Outlook
Macro Outlook GDP (real, % yoy) 2024 2025 2026f 2027f Geopolitics and the ensuing oil supply shock are in focus Czech Republic 1.1 2.7 1.6 2.2 once again after a brief phase of de-escalation Hungary 0.7 0.5 1.7 3.0 Growth slowdown coupled with upside pressure on Poland 3.0 3.6 3.4 3.0 inflation to b
Slide 10: Inflation and Key Rates Forecast
Inflation and Key Rates Forecast Inflation Inflation rate (CPI) Headline inflation has risen due to the oil price shock, while (average, % y-o-y) the starting position for core inflation vary across CZ 2.2% 3.0% 3.6% 2.7% 2026f 2027f economies. Food inflation is expected to rise in H2/2026, while se
Slide 11: 2026 Core Group Guidance (excl. Russia)
2026 Core Group Guidance (excl. Russia) Income Statement above EUR 4.4 bn around EUR 2.2 bn around EUR 3.8 bn around 55% up to 35 bps Net interest Net fee and OPEX CIR Risk cost excluding income commission income potential use of overlays Profitability & Balance around 9.5% around 7% around 14.3% Sh
Slide 12: Financials
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
Slide 13: H1/2026 Executive Summary – Core Group
H1/2026 Executive Summary – Core Group Net Interest Income Net Fee and Commission Income 1-6/2026 1-6/2026 EUR 2,187 mn EUR 1,068 mn + +5% + +10% y-o-y y-o-y Opex Cost/Income Ratio 1-6/2026 1-6/2026 EUR 1,790 mn 52.2% + +4% - -2 pp y-o-y y-o-y 31 July 2026
Slide 14: Q2/2026 Net Interest Income Trends
Q2/2026 Net Interest Income Trends Net interest income in EUR mn 1,111 Solid increase in Core Group 1,027 1,056 1,054 1,076 Core Core Group NII up 3% q-o-q, benefitting from Excluding Russia continued volume growth across the markets +3% 2.27% NIM (+1 bps up q-o-q) for the Core q-o-q excluding Russi
Slide 15: Q2/2026 Net Fee and Commission Income Trends
Q2/2026 Net Fee and Commission Income Trends Net fee and commission income in EUR mn 549 NFCI trends 502 505 529 520 Core NFCI in Q2 up 6% q-o-q excluding Russia Excluding Russia Clearing, settlement and payment services +6% as well as securities and FX business being q-o-q the key drivers Q2/2025 Q
Slide 16: Loans to Customers in Q2/2026
Loans to Customers in Q2/2026 Loans to customers in EUR bn Loans to … in EUR bn … non-financial corporations … households Core 107.0 104.7 Excluding Russia 101.2 98.5 48.6 44.3 97.5 47.9 43.3 46.8 42.3 +1% +2% +2% q-o-q q-o-q q-o-q +10% y-o-y Q4/25 Q1/26 Q2/26 Q4/25 Q1/26 Q2/26 30/06/25 30/09/25 31/
Slide 17: Deposits and Liquidity Across the Group
Deposits and Liquidity Across the Group Deposits from customers Liquidity ratios in EUR bn 122.9 125.4 149% Core 117.3 Core LCR 146% 147% 115.1 138% Excluding 110.8 Excluding 133% Russia +2% Russia 139% 138% NSFR 133% 139% q-o-q 135% Loan/deposit 62.3 63.2 65.1 ratio Deposits 58.9 60.5 88% 87% 90% 8
Slide 18: CET1 Ratio Development – Core Group excl. Russia
CET1 Ratio Development – Core Group excl. Russia + +52 bps q-o-q + 15.5% 14.9% + - + + + +59 bps +10 bps -20 bps +1 bps +1 bps +1 bps Profit Portfolio Dividend / Market risk Inorganic & FX development AT1 coupons Other (credit risk) accrual Assuming P/B zero deconsolidation scenario in Russia 31/03/
Slide 19: P/B Zero Deconsolidation Scenario in Russia
P/B Zero Deconsolidation Scenario in Russia Capital stack under P/B Zero deconsolidation scenario 15.5% Expected around 14.3% at year-end 2026 2.59% T2 Assumptions: 2.70% With Russia deconsolidated EUR 6.2 bn IFRS equity partially at P/B Zero, AT1 and T2 CET1 offset by deduction 2.18% AT 1 2.02% buc
Slide 20: 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 15.5% 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 21: Capital Ratios and SREP
Capital Ratios and SREP RBI Group, regulatory, as of 30/06/2026 Requirements as of 01/07/2026 22.1% P2R 1.56% to be met with CET1 20.1% 2.78% 52 bps eligible for AT1 18.3% 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 but (incl. P2R)
Slide 22: MREL and Funding Plan
MREL and Funding Plan Austria resolution group MREL Actual including profit 30/06/2026 Funding plan Requirements 30/06/2026 49.92% RBI Group: possible T2 pre-funding and senior benchmark Possible EUR senior non-preferred benchmark by Raiffeisen Romania after the summer 13.71% Senior Total MREL requi
Slide 23: Poland FX Mortgage Update
Poland FX Mortgage Update Number of FX loans in Poland Poland FX mortgage exposure and stock of provisions in thousand, 30/06/2026 55.1 CHF loans EUR loans 9.5 CHF loans Exposure EUR 1,097 mn Exposure EUR 338 mn 18.1 EUR loans 9.8 Stock of Stock of 8.4 provisions for litigation: provisions for litig
Slide 24: Risk Update
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
Slide 25: Risk Overview
Risk Overview Risk cost NPE ratio/ coverage ratio Stock of risk overlays excluding Russia, 1-6/2026 excluding Russia, 30/06/2026 30/06/2026 Provisioning ratio Risk cost1 765 20 bps EUR 110 mn 1.6% 46.9% 342 467 Russia 413 (released) -2 bps y-o-y -11 bps ytd +2.7 pp 97 346 GC&M, CE, 346 270 324 SEE 2
Slide 26: IFRS 9 Provisioning
IFRS 9 Provisioning Core Group – Q2/2026 Overall EUR 7 mn of IFRS 9 provisions in Q2 excluding Russia EUR EUR Stage 1/2: flat development 63 mn 7 mn Macro: release mainly reflecting improved + outlook in Hungary EUR -2 mn EUR Overlay movements: driven by retail -11 model improvements and overlay por
Slide 27: Q2/2026 RWA Development
Q2/2026 RWA Development Core Group excl. Russia 84.4 84.0 - - 0.2 Market risk 4.9 -0.6 4.9 Operational 18.5 18.5 risk Credit risk 61.0 Credit risk Op risk Market risk FX 60.6 RWA in EUR bn Credit RWAs decrease largely driven by a new corporate securitization transaction with gross RWA effect of EUR
Slide 28: NPE Ratio and NPE Coverage
NPE Ratio and NPE Coverage 100.0% 59.1% 58.5% 58.2% 58.2% Central Europe EUR 749 mn Asset quality development q-o-q CE 1.0% 1.0% 1.0% 1.0% -0.8% q-o-q 0.0% 0.5% CE – stable development 100.0% Southeastern 66.3% 65.4% 66.7% 65.1% SEE – slight increase of NPE exposure mainly Europe EUR 611 mn driven b
Slide 29: Appendix
01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
Slide 30: 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, #20 Covering Austria and 11 CEE markets, of which five are EU Ukraine ▪ Loans: EUR 4.6 bn members. Four countries have candidat
Slide 31: Raiffeisen Banking Group Structure
Raiffeisen Banking Group Structure Raiffeisen Banking Group (RBG) – largest banking group in Austria with total assets of EUR 419 bn as of 31/12/2025 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 32: Q2/2026 Income Statement and KPIs
Q2/2026 Income Statement and KPIs (in EUR mn) Q2/2026 % q-o-q % y-o-y Net interest income 1,508 +3% +3% Net interest margin 729 Q2/2026 Net fee and commission income +5% +6% Net trading income & fair value result -20 - - 2.83% Other operating components1 82 +42% +60% +2 bps q-o-q Operating income 2,
Slide 33: Q2/2026 Income Statement and KPIs (excl. Russia)
Adjusted excluding Q2/2026 Income Statement and KPIs Russia (in EUR mn) Q2/2026 % q-o-q % y-o-y Net interest income 1,111 +3% +8% Net interest margin Q2/2026 Net fee and commission income 549 +6% +9% Net trading income & fair value result -20 - - 2.27% Other operating components1 86 +57% +68% +1 bps
Slide 34: RBI Group including Russia
RBI Group including Russia Net interest income Net fee and commission income in EUR mn in EUR mn 1,468 1,459 1,443 1,459 1,508 685 679 699 693 729 +3% +5% q-o-q q-o-q Q2/2025 Q3 Q4 Q1 Q2/2026 Q2/2025 Q3 Q4 Q1 Q2/2026 Loans to customers Deposits from customers in EUR bn 109.1 111.6 in EUR bn 136.3 10
Slide 35: Total Exposure
Total Exposure Total exposure by segments – Q2/2026 … by sector – Q2/2026 in EUR bn, % q-o-q in EUR bn GC&M +0.2% Mortgages 32 21% Retail Consumer & Other Loans 25 102.6 CE +2.6% 271 bn 80 Sovereigns & supranationals EUR Sov. & FI 39% 94.2 Financial institutions 28 Industrials 29 +2.0% q-o-q Materia
Slide 36: CET1 Ratio Development – RBI Group
CET1 Ratio Development – RBI Group - +93 bps q-o-q 17.3% + + + 18.3% - - + +120 bps +12bps -47 bps -14 bps +4 bps +18 bps Profit Portfolio Dividend / Market risk Inorganic & FX development AT1 coupons Other (credit risk) accrual 30/06/2026 31/03/2026 Transitional (including H1/2026 results) 31 July
Slide 37: Q2/2026 RWA Development – RBI Group
Q2/2026 RWA Development – RBI Group RBI Group including Russia 0.9 104.9 103.9 0.8 0.0 -0.7 Credit risk Operational risk Market risk FX RWA in EUR bn 31/03/2026 30/06/2026 31 July 2026 37
Slide 38: Q2/2026 Segments Overview
Q2/2026 Segments Overview Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q2/26 q-o-q Q3/25 Q4/25 Q1/26 Q2/26 Q2/26 q-o-q Q2/26 q-o-q 645 40,828 42,222 43,228 44,362 CE Net Fees 197 40,000 +7% 6.00% -26 bps EUR 224 mn 2.39% 2.33% 2.30% 2.32% 1.00% -70 bps >500% NII 44
Slide 39: Raiffeisen Capital Management
Raiffeisen Capital Management One of the leading asset managers in Central Europe, AUM 42% 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 EUR 73 bn Busin
Slide 40: Corporate Center/Reconciliation
Corporate Center/Reconciliation In EUR mn 1-6/2026 1-6/2025 y-o-y In EUR mn 1-6/2026 1-6/2025 y-o-y Operating income 1,237 1,244 (0.6%) Operating income (1,304) (1,332) (2.1%) General admin. expenses (244) (243) 0.6% General admin. expenses 104 99 5.6% Operating result 992 1,001 (0.9%) Operating res
Slide 41: 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 (
Slide 42: Consolidated RoE Calculation excl. Russia – Overview
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 43: Regulatory Capital Structure - Overview
Regulatory Capital Structure - Overview in EUR mn 30/6/2026 31/3/2026 31/12/2025 Common equity tier 1 (before deductions) 20,099 19,061 19,027 Deduction items (933) (1,052) (934) Common equity tier 1 (after deductions) 19,165 18,008 18,093 Additional tier 1 (after deductions) 1,834 1,832 1,684 Tier
Slide 44: Maturity Profile
Maturity Profile Maturity Profile at 30/6/2026 (in EUR mn) 2,572 2,309 2,172 2,072 301 31 157 1,000 1,810 1,319 1,180 355 1,022 977 2,041 2,015 936 2,008 1,800 1,572 500 616 1,180 977 964 936 606 522 0 10 0 10 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 >2036 Senior placements Subordinate
Slide 45: 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 1 100% XS2785548053 7.375% EUR 650 mn 25 Nov 2024 15 Jun 2030 Semi-annu
Slide 46: 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 47: The Institutional Protection Scheme (IPS)
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 48: Bank Levies
Bank Levies Impact in EUR mn FY 2025 1-6/2026 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 78 34 76 2026: The tax rates have increased: 10% for the portion of the tax base up to HUF 20 billion, and 30% for the amount above Hungary this thre
Slide 49: 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 30/6/2026 30/6/2026 31/12/2025 30/6/2026 31/12/2025 30/6/2026 31/12/2025 30/6/2026 31/12/2025 Czechia 302 0.7% 0.8% 54.3% 53.1%
Slide 50: RBI Group
RBI Group In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 1,508 1,459 3.3% 1,443 1,459 1,468 2,967 2,972 (0.2%) 5,874 Net fee and commission income 729 693 5.1% 699 679 685 1,422 1,353 5.1% 2,731 Net trading income and fair value result (
Slide 51: RBI Core Group – excl. Russia
RBI Core Group – excl. Russia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 1,111 1,076 3.2% 1,054 1,056 1,027 2,187 2,073 5.5% 4,184 Net fee and commission income 549 520 5.6% 529 505 502 1,068 969 10.3% 2,002 Net trading income and fa
Slide 52: Country Financials (CE) – Czechia
Country Financials (CE) – Czechia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 182 179 1.6% 167 175 165 361 330 9.2% 671 Net fee and commission income 59 55 7.7% 62 58 52 113 99 14.3% 219 Net trading income and fair value result 4 (2)
Slide 53: Country Financials (CE) – Hungary
Country Financials (CE) – Hungary In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 119 109 9.6% 108 102 92 228 210 8.4% 420 Net fee and commission income 82 76 8.4% 75 68 68 158 135 16.8% 278 Net trading income and fair value result (19) 2
Slide 54: Country Financials (CE) – Poland
Country Financials (CE) – Poland In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 2 3 (13.9%) 3 5 4 5 11 (53.3%) 19 Net fee and commission income (0) 0 – (0) 0 0 0 0 (90.6%) 0 Net trading income and fair value result 1 (0) – 0 (0) 0 0 1 (1
Slide 55: Country Financials (CE) – Slovakia
Country Financials (CE) – Slovakia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 145 144 0.6% 141 138 132 289 260 11.0% 539 Net fee and commission income 57 54 4.7% 54 51 50 111 101 9.8% 206 Net trading income and fair value result 3 4
Slide 56: Country Financials (SEE) – Albania
Country Financials (SEE) – Albania In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 34 34 0.5% 33 34 33 67 65 3.3% 132 Net fee and commission income 8 7 12.8% 5 8 8 15 15 (0.8%) 28 Net trading income and fair value result 2 1 47.4% 2 1 1 3
Slide 57: Country Financials (SEE) – Bosnia and Herzegovina
Country Financials (SEE) – Bosnia and Herzegovina In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 22 22 (0.6%) 22 22 21 43 43 (0.0%) 87 Net fee and commission income 16 14 7.8% 17 17 15 30 29 4.1% 63 Net trading income and fair value resu
Slide 58: Country Financials (SEE) – Croatia
Country Financials (SEE) – Croatia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 52 48 10.1% 49 48 49 100 96 4.7% 193 Net fee and commission income 21 18 11.1% 19 21 19 39 38 2.3% 78 Net trading income and fair value result 1 6 (87.8%)
Slide 59: Country Financials (SEE) – Kosovo
Country Financials (SEE) – Kosovo In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 20 18 7.1% 18 18 18 38 35 7.7% 71 Net fee and commission income 5 3 46.6% 4 5 6 8 9 (12.4%) 19 Net trading income and fair value result 0 0 (44.1%) 0 0 0 0
Slide 60: Country Financials (SEE) – Romania
Country Financials (SEE) – Romania In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 156 158 (1.3%) 162 164 159 314 318 (1.3%) 644 Net fee and commission income 64 63 1.4% 68 64 68 128 116 10.1% 248 Net trading income and fair value result
Slide 61: Country Financials (SEE) – Serbia
Country Financials (SEE) – Serbia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 69 67 3.1% 70 69 66 137 133 2.4% 272 Net fee and commission income 39 35 12.0% 39 35 34 73 64 14.1% 138 Net trading income and fair value result 3 4 (20.5%)
Slide 62: Country Financials – Ukraine
Country Financials – Ukraine In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 102 98 3.4% 98 101 100 200 202 (0.9%) 401 Net fee and commission income 15 12 29.7% 14 12 23 27 38 (28.1%) 65 Net trading income and fair value result 2 5 (60.8%
Slide 63: Country Financials – Russia
Country Financials – Russia In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 397 383 3.7% 389 402 441 780 898 (13.2%) 1,690 Net fee and commission income 180 173 3.7% 170 174 183 353 385 (8.2%) 729 Net trading income and fair value result
Slide 64: Group Corporates & Markets
Group Corporates & Markets In EUR mn Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 179 176 1.4% 179 170 190 355 377 (5.8%) 725 Net fee and commission income 168 175 (4.4%) 153 152 147 343 295 16.2% 600 Net trading income and fair value result 65
Slide 65: 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 66: 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 67: Financial Calendar
Financial Calendar 23 October 2026 Start of Quiet Period Group Investor & Media 3 November 2026 Third Quarter Report, Conference Call Relations 27 January 2027 Start of Quiet Period 3 February 2027 Preliminary Results 2026, Conference Cal Raiffeisen Bank 1 March 2027 Annual Financial Report 2026 Int