Slide 1: Raiffeisen Bank International Q3/2025 Results
Raiffeisen Bank International Q3/2025 Results 30 October 2025 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: Business & Financial Update
01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
Slide 4: 1-9/2025 Executive Summary
1-9/2025 Executive Summary RBI Consolidated profit Consolidated RoE CET1 ratio Group 1-9/2025 1-9/2025 30/09/2025, transitional, incl. results EUR 926 mn 8.5% 18.2% -56% y-o-y -7 pp y-o-y +1 pp ytd annualized (EUR 1.2 bn claim derecognition in H1/25 only) Adjusted Consolidated profit Consolidated Ro
Slide 5: 1-9/2025 Executive Summary
1-9/2025 Executive Summary RBI Loans to customers Main revenues Opex and Cost/Income Ratio Group 30/09/2025 1-9/2025, in EUR mn 1-9/2025 4,431 EUR 103,027 mn 2,032 EUR 3,038 mn 43.8% +3% ytd +4% y-o-y +3% +7% y-o-y +1 pp Net interest Net fee & income commission income Adjusted Loans to customers Mai
Slide 6: De-risking in Russia
De-risking in Russia Significant business reduction since 2022 Reduction of business continues further into 2025 1 Loan book reduction ahead of Loans to customers in RUB RWA 27.1 RUBEUR schedule: -57% terms since February 2022 +23% in in Russia Q1/25 under IFRS 2 Deposits from customers Deposits fro
Slide 7: Q3/2025 Main Revenue Trends
Q3/2025 Main Revenue Trends Net interest income in EUR mn Core Group NII driven by loan growth in CE/SEE 1,511 1,504 1,468 1,459 1,428 1,410 1,430 and deposit inflows, while rate cuts have slowed Group in most countries Core 1,060 1,033 1,019 1,042 1,046 1,027 1,056 Net interest margin in Q3 excludi
Slide 8: Loans and Deposits to/from Customers in Q3/2025
Loans and Deposits to/from Customers in Q3/2025 Loans to customers Deposits from customers in EUR bn in EUR bn + 1% + 3% q-o-q q-o-q Group 101.0 102.2 103.0 Group 120.3 121.4 125.3 100.1 99.6 117.7 120.0 Core Core 97.5 98.5 115.1 Excluding 96.1 Excluding 107.4 108.2 109.3 110.8 Russia/ Belarus 94.9
Slide 9: High Liquidity Across the Group
High Liquidity Across the Group RBI Core Group excl. Russia - Liquidity ratios RBI head office: conservative liquidity profile LCR 162% 159% 152% LCR at 183% (as of 24 October 2025) 148% 146% NSFR Head office with sufficient liquidity to cover all 140% 139% 138% 139% 139% deposits and maturing fundi
Slide 10: CET1 Ratio Development – Core Group
CET1 Ratio Development – Core Group + +4 bps q-o-q 15.7% 15.7% + + - - + -27 bps -10 bps +2 bps +36 bps +3 bps Credit risk Operational & OCI, Retained FX Core Group Market risk valuation & other earnings (of which -20 bps effects exposure increase) 30/06/2025 Assuming P/B zero deconsolidation scenar
Slide 11: P/B Zero Deconsolidation Scenario in Russia
P/B Zero Deconsolidation Scenario in Russia Capital stack under P/B Zero deconsolidation scenario 15.7% Expected around 15.2% at year-end 2025 2.78% T2 Assumptions: 2.70% With Russia deconsolidated EUR 5.4 bn IFRS equity partially at P/B Zero, AT1 and T2 CET1 offset by deduction 2.12% AT 1 2.02% buc
Slide 12: Core Group CET1 Outlook 2025
Core Group CET1 Outlook 2025 15.7% Core Group CET1 ratio expected around 15.2 per cent at year-end 2025 ~15.2% Expected CET1 drivers until year-end 2025: Any decision on dividends will be based on the capital position of the Group Retained + ~18 bps Net of expected 2025 excluding Russia earnings div
Slide 13: Capital Ratios and SREP
Capital Ratios and SREP RBI Group, transitional, pro-forma, as of 30/09/2025 Current regulatory 22.2% P2R 1.57% to be met with CET1 requirements 2.79% 19.9% 52 bps eligible for AT1 18.2% 16.77% 70 bps eligible for T2 Tier 2 14.07% 2.70% (incl. P2R) 12.05% AT 1 P2G To be solely covered by CET1 but 2.
Slide 14: MREL and Funding Plan
MREL and Funding Plan Austria resolution group MREL Including profit Funding plan 30/09/2025 46.70% Funding plan for 2025 complete Actual Pre-funding for 2026 has started and possible senior preferred still in Q4/2025 Requirement 11.75% Senior 37.59% preferred Other resolution groups Total MREL requ
Slide 15: Macro Outlook
Macro Outlook GDP (real, % yoy) 2024 2025e 2026f 2027f Consumption and investment driven growth in 2026 across Czech Republic 1.1 2.2 2.0 2.5 CE/SEE. Despite trade agreement between the EU and US, a Hungary 0.6 0.7 2.0 2.4 15% tariff and the pledged investments remain a downside Poland 2.9 3.3 3.3 3
Slide 16: Inflation and Key Rates Forecast
Inflation and Key Rates Forecast Inflation & rates Inflation rate (CPI) In most CE/SEE countries, inflation remains elevated due to 2.6% 2.3% (average, % y-o-y) CZ 4.1% 3.2% services and food. Inflation is expected to gradually decrease 2025f 2026f in CEE and to stabilize close to ECB target in the
Slide 17: 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 around 53% around 30 bps Net interest Net fee and OPEX CIR Risk cost excluding income commission income potential use of overlays Profitability & Balance around 10% 6% to 7% around 15.2%
Slide 18: Risk Update
01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
Slide 19: Risk Overview
Risk Overview Risk cost NPE ratio/ coverage ratio Stock of risk overlays excluding Russia, Q3/2025 excluding Russia, 30/09/2025 30/09/2025 Provisioning ratio Risk cost1 729 765 1 bps EUR 12 mn 1.7% 47.7% 364 342 467 565 108 Russia -22 bps q-o-q -6 bps q-o-q -0.7 pp 97 GC&M, CE, 348 346 270 SEE 317 1
Slide 20: IFRS 9 Provisioning
IFRS 9 Provisioning Core Group – Q3/2025 excluding Russia EUR EUR Overall EUR 12 mn of IFRS 9 provisions in Q3 34 mn 12 mn Stage 1 & 2: driven by model parameter + updates and relief from securitizations EUR 19 mn Macro: slight increase due to updated EUR + outlook 11 mn - + Overlays: mainly due to
Slide 21: Q3/2025 RWA Development
Q3/2025 RWA Development Core Group excl. Russia 0.4 0.3 78.6 76.4 1.4 - 4.7 Market risk 4.1 Operational 16.5 16.5 risk Credit risk 55.8 57.4 Credit risk Op risk Market risk FX RWA in EUR bn 30/06/2025 30/09/2025 Credit RWAs driven mainly by exposure increase in retail (Czechia, Romania, CRR3 Transit
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, 30/09/2025 55.1 CHF loans EUR loans 9.2 CHF loans Exposure EUR 1,360 mn Exposure EUR 364 mn 18.1 EUR loans 10.1 Stock of Stock of 8.8 provisions for litigation: provisions for liti
Slide 23: NPE Ratio and NPE Coverage
NPE Ratio and NPE Coverage 100.0% 59.8% 59.1% Central Europe 56.7% 57.5% 743 Asset quality development q-o-q CE 2.6% 1.3% 1.2% 1.1% 1.0% 0.0% 1.0% CE – rather stable development 100.0% Southeastern 66.2% 65.3% 65.7% 66.3% 609 SEE – slight improvement of NPE coverage Europe -2.3% ratio driven by Serb
Slide 24: Appendix
01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
Slide 25: Geographic Footprint
Geographic Footprint Leading regional player with CEE presence of over 30 years Central Europe (CE) servicing approx. 18 million customers Southeastern Europe (SEE) Russia, #18 Covering Austria and 11 CEE markets, of which five are EU Ukraine ▪ Loans: EUR 4.5 bn members. Four countries have candidat
Slide 26: 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 27: Q3/2025 Income Statement and KPIs
Q3/2025 Income Statement and KPIs (in EUR mn) Q3/2025 % q-o-q % y-o-y Net interest income 1,459 -1% +2% Net interest margin 679 Q3/2025 Net fee and commission income -1% +4% Net trading income & fair value result 44 -62% +37% 2.93% Other operating components1 73 +41% +5% -7 bps q-o-q Operating incom
Slide 28: Q3/2025 Income Statement and KPIs (Adjusted excl. Russia)
Adjusted excluding Q3/2025 Income Statement and KPIs Russia (in EUR mn) Q3/2025 % q-o-q % y-o-y Net interest income 1,056 +3% +4% Net interest margin Q3/2025 Net fee and commission income 505 +1% +11% Net trading income & fair value result -12 - - 2.30% Other operating components1 74 +44% -1% +2 bps
Slide 29: Total Exposure
Total Exposure Total exposure by segments – Q3/2025 … by sector – Q3/2025 in EUR bn, % q-o-q in EUR bn Mortgages 30 Retail 21% GC&M +1% Consumer & Other Loans 23 252 bn 74 Sovereigns & supranationals 97.9 Sov. & FI 39% EUR Financial institutions 29 CE +6.8% Industrials 24 85.6 +3.3% q-o-q Corporate
Slide 30: CET1 Ratio Development – RBI Group
CET1 Ratio Development – RBI Group - +1 bps q-o-q 18.2% 18.2% + - + - - - -31 bps -1 bps -4 bps +5 bps +45 bps -13 bps Credit risk Other credit Operational & OCI, Retained FX Core Group risk Market risk valuation & other earnings effects 30/09/2025 30/06/2024 Transitional (including results) 30 Octo
Slide 31: Q3/2025 RWA Development – RBI Group
Q3/2025 RWA Development – RBI Group RBI Group including Russia 1.7 0.0 0.2 97.5 96.1 -0.6 Credit risk Operational risk Market risk FX RWA in EUR bn 30/06/2025 30/09/2025 30 October 2025 31
Slide 32: Q3/2025 Segments Overview
Q3/2025 Segments Overview Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q3/25 q-o-q Q4/24 Q1/25 Q2/25 Q3/25 Q3/25 q-o-q Q3/25 q-o-q 596 37,836 38,309 39,527 40,828 CE Net Fees 177 40,000 +4% 5.00% 10 bps EUR 186 mn 2.57% +23 bps +117% NII 419 +7% 2.57% 2.36% 2.39% 2
Slide 33: Raiffeisen Capital Management
Raiffeisen Capital Management One of the leading asset managers in Central Europe, AUM 41% a 100% owned subsidiary of RBI celebrating 40 years ESG anniversary in 2025 since foundation 71% 29% Raiffeisen Capital Management is the leading asset management company in Austria. The aim is to EUR 65 bn Bu
Slide 34: Corporate Center/Reconciliation
Corporate Center/Reconciliation In EUR mn 1-9/2025 1-9/2024 y-o-y In EUR mn 1-9/2025 1-9/2024 y-o-y Operating income 1,362 1,105 23.2% Operating income (1,473) (1,205) 22.3% General admin. expenses (347) (360) (3.4%) General admin. expenses 150 149 0.8% Operating result 1,014 746 36.0% Operating res
Slide 35: 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 1/1/2025 1,002 4,990 16,213 (4,905) 17,299 1,260 1,781 20,340 Capital increases 0 0 0 0 0 (
Slide 36: Consolidated RoE Calculation excl. Russia – Overview
Consolidated RoE Calculation excl. Russia – Overview FY/2024 1-9/2025 FY/2025 (guidance) Average equity excl. Russia EUR 11,820 mn EUR 12,543 mn EUR ~12,5 bn (assumed) Reported consolidated RoE uses the average of monthly equity, excluding profit year-to-date Consolidated Profit EUR 975 mn EUR 1,026
Slide 37: Regulatory Capital Structure - Overview
Regulatory Capital Structure - Overview in EUR mn 30/9/2025 30/6/2025 31/3/2025 Common equity tier 1 (before deductions) 18,137 18,329 18,230 Deduction items (844) (862) (805) Common equity tier 1 (after deductions) 17,293 17,468 17,425 Additional tier 1 (after deductions) 1,680 1,680 1,679 Tier 1 (
Slide 38: Maturity Profile
Maturity Profile Maturity Profile at 30/9/2025 (in EUR mn) 3,393 31 2,309 2,173 152 311 1,963 3,362 1,522 1,374 23 1,179 2,022 1,998 909 1,000 1,953 302 606 1,350 1,179 522 174 607 522 500 606 174 22 6 10 6 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 >2035 Senior placements Subordinated A
Slide 39: 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 12 0%2 XS1756703275 6.089% EUR 303 mn 24 Jan 2018 15 Jun 2025 Semi-annu
Slide 40: Liquidity Stress Test in Head Office
Liquidity Stress Test in Head Office Net liquidity position in severe name crisis scenario is positive, with 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-on
Slide 41: 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 42: Bank Levies
Bank Levies Impact in EUR mn FY 2024 1-9/2025 FY 2025e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 23 56 ~76 Hungary In 2024 under HUF 20 billion it was 13% above 20 billion it was 30%, in 2025 under HUF 20 billion tax rate is 7%, above 18% 63 55 ~
Slide 43: 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 30/9/2025 30/9/2025 31/12/2024 30/9/2025 31/12/2024 30/9/2025 31/12/2024 30/9/2025 31/12/2024 Czech Republic 286 0.8% 0.9% 51.2%
Slide 44: RBI Group
RBI Group In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 1,459 1,468 (0.6%) 1,504 1,511 1,430 4,431 4,269 3.8% 5,779 Net fee and commission income 679 685 (0.9%) 668 668 650 2,032 1,970 3.2% 2,638 Net trading income and fair value result
Slide 45: RBI Core Group – excl. Russia and Belarus
RBI Core Group – excl. Russia and Belarus In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 1,056 1,027 2.8% 1,046 1,042 1,019 3,129 3,113 0.5% 4,155 Net fee and commission income 505 502 0.5% 466 497 456 1,473 1,348 9.3% 1,845 Net trading
Slide 46: Country Financials (CE) – Czech Republic
Country Financials (CE) – Czech Republic In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 175 165 5.8% 165 169 151 505 453 11.5% 622 Net fee and commission income 58 52 10.9% 47 49 45 157 130 20.4% 179 Net trading income and fair value res
Slide 47: Country Financials (CE) – Hungary
Country Financials (CE) – Hungary In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 102 92 10.4% 118 109 113 312 363 (14.2%) 472 Net fee and commission income 68 68 (0.6%) 67 66 58 203 166 22.3% 232 Net trading income and fair value result
Slide 48: Country Financials (CE) – Poland
Country Financials (CE) – Poland In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 5 4 19.1% 7 7 9 16 25 (35.5%) 33 Net fee and commission income 0 0 200.9% 0 0 0 0 1 (27.3%) 1 Net trading income and fair value result (0) 0 – 0 0 0 0 1 (78.
Slide 49: Country Financials (CE) – Slovakia
Country Financials (CE) – Slovakia In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 138 132 4.6% 128 126 121 398 353 12.7% 480 Net fee and commission income 51 50 1.2% 51 56 53 152 154 (1.4%) 210 Net trading income and fair value result 2
Slide 50: Country Financials (SEE) – Albania
Country Financials (SEE) – Albania In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 34 33 3.2% 33 33 33 99 98 0.8% 131 Net fee and commission income 8 8 (9.1%) 7 7 8 23 20 13.9% 27 Net trading income and fair value result 1 1 (44.9%) 2 1 1
Slide 51: Country Financials (SEE) – Bosnia & Herzegovina
Country Financials (SEE) – Bosnia & Herzegovina In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 22 21 0.7% 22 22 21 65 66 (1.1%) 88 Net fee and commission income 17 15 12.1% 14 17 14 46 43 6.0% 60 Net trading income and fair value result
Slide 52: Country Financials (SEE) – Croatia
Country Financials (SEE) – Croatia In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 48 49 (1.2%) 47 47 48 144 139 3.4% 186 Net fee and commission income 21 19 8.5% 19 21 21 59 59 0.9% 79 Net trading income and fair value result 1 1 (53.6%)
Slide 53: Country Financials (SEE) – Kosovo
Country Financials (SEE) – Kosovo In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 18 18 2.5% 17 17 18 53 54 (1.8%) 71 Net fee and commission income 5 6 (5.3%) 3 4 5 14 13 10.7% 17 Net trading income and fair value result 0 0 31.2% 0 0 0 0
Slide 54: Country Financials (SEE) – Romania
Country Financials (SEE) – Romania In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 164 159 2.7% 159 156 156 482 463 4.1% 619 Net fee and commission income 64 68 (6.6%) 48 59 52 180 142 26.8% 200 Net trading income and fair value result 0
Slide 55: Country Financials (SEE) – Serbia
Country Financials (SEE) – Serbia In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 69 66 4.0% 67 72 74 202 224 (9.6%) 295 Net fee and commission income 35 34 4.2% 31 33 31 100 91 9.9% 123 Net trading income and fair value result 4 4 1.8% 3
Slide 56: Country Financials (EE) – Ukraine
Country Financials (EE) – Ukraine In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 101 100 0.7% 101 96 95 303 295 2.8% 391 Net fee and commission income 12 23 (46.5%) 15 18 15 50 49 3.1% 67 Net trading income and fair value result 2 (0) –
Slide 57: Country Financials (EE) – Russia
Country Financials (EE) – Russia In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 402 441 (8.7%) 457 467 411 1,300 1,156 12.5% 1,623 Net fee and commission income 174 183 (4.9%) 201 172 193 559 621 (10.0%) 793 Net trading income and fair v
Slide 58: Group Corporates & Markets
Group Corporates & Markets In EUR mn Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 170 190 (10.8%) 186 207 201 546 653 (16.4%) 860 Net fee and commission income 152 147 2.9% 148 157 145 447 433 3.3% 589 Net trading income and fair value result 16
Slide 59: 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 60: 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 61: Financial Calendar
Financial Calendar Group Investor & Media 27 January 2026 Start of Quiet Period Relations 30 January 2026 Preliminary Results 2025, Conference Call 2 March 2026 Annual Financial Report 2025 30 March 2026 Record Date Annual General Meeting Raiffeisen Bank International AG 9 April 2026 Annual General