Raiffeisen Bank International Ag · VIE:RBI
Raiffeisen Bank International — FY2025 Earnings Presentation
62 slides from Raiffeisen Bank International's earnings presentation, Jan 30, 2026
Slide 1: Preliminary FY/2025 Results
Raiffeisen Bank International Preliminary FY/2025 Results 30 January 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: Business & Financial Update
01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
Slide 4: FY/2025 Executive Summary
FY/2025 Executive Summary RBI Consolidated profit Consolidated RoE CET1 ratio Group 1-12/2025 1-12/2025 31/12/2025, transitional, incl. results EUR 1,371 mn 6.9% 17.9% +19% y-o-y -2.5 pp y-o-y +0.8 pp ytd Adjusted Consolidated profit Consolidated RoE CET1 ratio EUR 1,443 mn 10.6% excl. Russia 15.5%
Slide 5: FY/2025 Executive Summary
FY/2025 Executive Summary RBI Loans to customers Main revenues Opex and Cost/Income Ratio Group 31/12/2025 1-12/2025, in EUR mn 1-12/2025 5,874 EUR 105,610 mn 2,731 EUR 4,134 mn 44.8% +6% ytd +2% y-o-y +4% +9% y-o-y +2 pp Net interest Net fee & income commission income Adjusted Loans to customers Ma
Slide 6: Update
Update Dividend proposal of EUR 1.60 for FY/2025 The board will recommend a dividend of EUR 1.60 per share for the business year 2025 – subject to audited results and to be voted on at the upcoming AGM (9 April 2026) Management Board Composition Michael Höllerer to succeed Johann Strobl as CEO of RB
Slide 7: De-risking in Russia
De-risking in Russia Significant business reduction since 2022 Business reduction to continue in 2026 1 Loan book reduction Loans to customers in RUB RWA 27.1 RUBEUR YE/2025 targets met -60% terms since February 2022 +23% in in Russia Q1/25 under IFRS 2 Deposits from customers Deposits from customer
Slide 8: Q4/2025 Main Revenue Trends
Q4/2025 Main Revenue Trends Net interest income in EUR mn Core Group NII stable, benefitting from pick up in 1,511 1,504 1,468 1,459 1,428 1,410 1,430 1,443 volumes and stable interest rates in all key Group currencies 1,060 1,042 1,046 1,027 1,056 1,054 Core 1,033 1,019 Net interest margin in Q4 ex
Slide 9: Loans and Deposits to/from Customers in Q4/2025
Loans and Deposits to/from Customers in Q4/2025 Loans to customers Deposits from customers in EUR bn in EUR bn + 3% + 2% q-o-q q-o-q 102.2 105.6 125.3 127.6 Group 101.0 103.0 Group 117.7 121.4 99.6 120.0 Core 101.2 Core 117.3 Excluding 97.5 98.5 Excluding 110.8 115.1 95.4 96.1 108.2 109.3 Russia/ Be
Slide 10: High Liquidity Across the Group
High Liquidity Across the Group RBI Core Group excl. Russia - Liquidity ratios RBI head office: conservative liquidity profile LCR 159% 148% 146% 138% 141% LCR at 167% (as of 22 January 2026) NSFR 139% 138% 139% 138% 139% Head office with sufficient liquidity to cover all Loan/deposit deposits and m
Slide 11: CET1 Ratio Development – Core Group
CET1 Ratio Development – Core Group - -20 bps q-o-q 15.7% 15.5% - + - - + -25 bps -20 bps +3 bps +23 bps -1 bps Credit risk Operational & OCI, Retained FX Core Group Market risk valuation & other earnings (of which -18 bps effects exposure increase) 30/09/2025 Assuming P/B zero deconsolidation scena
Slide 12: 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 above 15% at year-end 2026 2.69% T2 Assumptions: 2.70% With Russia deconsolidated EUR 5.5 bn IFRS equity partially at P/B Zero, AT1 and T2 CET1 offset by deduction 2.07% AT 1 2.02% bucket
Slide 13: Core Group CET1 Outlook 2026
Core Group CET1 Outlook 2026 15.5% Core Group CET1 ratio expected above 15 per cent at year-end 2026 above 15% Expected CET1 drivers until year-end 2026: Any decision on dividends will be based on the capital position of the Group Retained + ~94 bps Net of expected 2026 excluding Russia earnings div
Slide 14: Capital Ratios and SREP
Capital Ratios and SREP RBI Group, transitional, pro-forma, as of 31/12/2025 Requirements as of 01/01/2026 21.7% P2R 1.56% to be met with CET1 2.78% 19.6% 52 bps eligible for AT1 17.9% 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 2.02
Slide 15: MREL and Funding Plan
MREL and Funding Plan Austria resolution group MREL Including profit Actual Funding plan 31/12/2025 Requirement Successfully issued EUR 650 mn AT1 note in January 2026, combined with liability 42.73% management exercise 10.03% Senior Up to two senior benchmarks planned for 2026 Total MREL requiremen
Slide 16: Macro Outlook
Macro Outlook GDP (real, % yoy) 2024 2025e 2026f 2027f Consumption and investment driven growth in 2026 Czech Republic 1.1 2.5 2.2 2.6 across CE/SEE. Exports are dampened by US tariffs. Hungary 0.6 0.4 1.8 2.3 Consumer demand driven by robust labor markets, Poland 3.0 3.4 3.5 3.1 although headwinds
Slide 17: Inflation and Key Rates Forecast
Inflation and Key Rates Forecast Inflation Inflation rate (CPI) In Austria and most CE/SEE countries, inflation remains (average, % y-o-y) CZ 2.1% 2.4% elevated due to services and food. Inflation is expected to 3.7% 3.4% 2026f 2027f decrease notably in Romania and to stabilize close to ECB target i
Slide 18: 2026 Core Group Guidance (excl. Russia)
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% above 15%
Slide 19: Risk Update
01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
Slide 20: Risk Overview
Risk Overview Risk cost NPE ratio/ coverage ratio Stock of risk overlays excluding Russia, FY/2025 excluding Russia, 31/12/2025 31/12/2025 Provisioning ratio Risk cost1 729 765 20 bps EUR 192 mn 1.7% 44.2% 364 342 467 Russia 413 (released) -7 bps y-o-y -0.4 pp y-o-y -6.1 pp 97 GC&M, CE, 346 270 324
Slide 21: IFRS 9 Provisioning
IFRS 9 Provisioning Core Group – Q4/2025 excluding Russia EUR EUR Overall EUR 72 mn of IFRS 9 provisions in Q4 92 mn 72 mn EUR + Stage 1 & 2: mainly driven by head office 37 mn and model parameter updates + - Macro: decrease due to updated outlook EUR Overlays: mainly due to release in GC&M -17 mn -
Slide 22: Q4/2025 RWA Development
Q4/2025 RWA Development Core Group excl. Russia 1.3 0.6 0.5 -0.0 80.9 78.6 5.1 Market risk 4.7 Operational 16.5 17.1 risk Credit risk 57.4 58.7 Credit risk Op risk Market risk FX RWA in EUR bn 30/09/2025 31/12/2025 Core Group y-o-y Credit RWAs largely driven by exposure growth, corporate & project f
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, 31/12/2025 55.1 CHF loans EUR loans 9.3 CHF loans Exposure EUR 1,256 mn Exposure EUR 356 mn 18.1 EUR loans 10.0 Stock of Stock of 8.7 provisions for litigation: provisions for liti
Slide 24: NPE Ratio and NPE Coverage
NPE Ratio and NPE Coverage 100.0% 59.8% 59.1% 58.5% Central Europe 57.5% 736 Asset quality development q-o-q CE -1.0% 1.2% 1.1% 1.0% 1.0% 0.0% 1.0% CE – decrease in coverage ratio mainly driven by Hungary and Slovakia 100.0% Southeastern 65.3% 65.7% 66.3% 65.4% 613 Europe 0.8% SEE – stable developme
Slide 25: Appendix
01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
Slide 26: 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 27: 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 28: Q4/2025 Income Statement and KPIs
Q4/2025 Income Statement and KPIs (in EUR mn) Q4/2025 % q-o-q % y-o-y Net interest income 1,443 -1% -4% Net interest margin 699 Q4/2025 Net fee and commission income +3% +5% Net trading income & fair value result 40 -9% +11% 2.85% Other operating components1 74 +1% - -8 bps q-o-q Operating income 2,
Slide 29: Q4/2025 Income Statement and KPIs (excl. Russia)
Adjusted excluding Q4/2025 Income Statement and KPIs Russia (in EUR mn) Q4/2025 % q-o-q % y-o-y Net interest income 1,054 -0% +1% Net interest margin Q4/2025 Net fee and commission income 529 +5% +6% Net trading income & fair value result -18 48% - 2.26% Other operating components1 65 -12% - -4 bps
Slide 30: Total Exposure
Total Exposure Total exposure by segments – Q4/2025 … by sector – Q4/2025 in EUR bn, % q-o-q in EUR bn Mortgages 31 Retail 21% GC&M -0.4% Consumer & Other Loans 24 255 bn 71 Sovereigns & supranationals 97.5 Sov. & FI 39% EUR Financial institutions 27 CE +0.5% Industrials 26 86.1 +1.3% q-o-q Corporat
Slide 31: CET1 Ratio Development – RBI Group
CET1 Ratio Development – RBI Group - -26 bps q-o-q 18.2% 17.9% - - + - - -32 bps -22 bps -8 bps +25 bps -11 bps Credit risk Operational & OCI, Retained FX Group Market risk valuation & other earnings effects 31/12/2025 30/09/2025 Transitional (including results) 30 January 2026 31
Slide 32: Q4/2025 RWA Development – RBI Group
Q4/2025 RWA Development – RBI Group RBI Group including Russia 0.9 0.4 100.9 1.8 0.3 97.5 Credit risk Operational risk Market risk FX RWA in EUR bn 30/09/2025 31/12/2025 RBI Group y-o-y 2.2 1.3 100.9 2.3 95.6 -0.4 Credit Op. Market FX risk risk risk 31/12/2024 Incl. EUR -4.4 bn CRR3 effect 31/12/202
Slide 33: Q4/2025 Segments Overview
Q4/2025 Segments Overview Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q4/25 q-o-q Q1/25 Q2/25 Q3/25 Q4/25 Q4/25 q-o-q Q4/25 q-o-q 610 39,527 40,828 42,222 CE Net Fees 191 40,000 +8% 38,309 6.00% 33 bps EUR 170 mn 2.57% 2.36% 2.39% 2.33% 1.00% +23 bps -8% NII 420 +
Slide 34: 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 35: Corporate Center/Reconciliation
Corporate Center/Reconciliation In EUR mn 1-12/2025 1-12/2024 y-o-y In EUR mn 1-12/2025 1-12/2024 y-o-y Operating income 1,419 1,120 26.6% Operating income (1,564) (1,317) 18.7% General admin. expenses (487) (497) (2.0%) General admin. expenses 225 228 -1.3% Operating result 931 623 49.5% Operating
Slide 36: 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 37: 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 ~13.3 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 38: Regulatory Capital Structure - Overview
Regulatory Capital Structure - Overview in EUR mn 31/12/2025 30/9/2025 30/6/2025 Common equity tier 1 (before deductions) 19,027 18,137 18,329 Deduction items (934) (844) (862) Common equity tier 1 (after deductions) 18,093 17,293 17,468 Additional tier 1 (after deductions) 1,684 1,680 1,680 Tier 1
Slide 39: Maturity Profile
Maturity Profile Maturity Profile at 31/12/2025 (in EUR mn) 2,389 2,350 2,311 30 2,175 313 154 1,660 1,522 1,179 2,350 2,359 1,045 1,022 2,021 1,998 1,000 302 1,650 500 606 1,179 743 606 522 522 6 0 6 0 10 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 >2036 Senior placements Subordinated Ad
Slide 40: 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% XS2207857421 6.000% EUR 500 mn 29 Jul 2020 15 Jun 2026 Semi-annu
Slide 41: Liquidity Stress Test in Head Office
Liquidity Stress Test in Head Office Net liquidity position in severe name crisis scenario is positive, with EUR >4 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 42: 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 43: Bank Levies
Bank Levies Impact in EUR mn FY 2024 FY 2025 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 23 78 ~76 In 2024 under HUF 20 billion it was 13% above 20 billion it was 30%, in 2025 under HUF 20 billion tax Hungary 63 55 ~112 rate was 7%, above
Slide 44: 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 31/12/2025 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 Czech Republic 284 0.8% 0.9%
Slide 45: RBI Group
RBI Group In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 1,443 1,459 (1.0%) 1,468 1,504 1,511 5,874 5,779 1.6% 5,779 Net fee and commission income 699 679 2.9% 685 668 668 2,731 2,638 3.5% 2,638 Net trading income and fair value result
Slide 46: RBI Core Group – excl. Russia and Belarus
RBI Core Group – excl. Russia and Belarus In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 1,054 1,056 (0.2%) 1,027 1,046 1,042 4,184 4,155 0.7% 4,155 Net fee and commission income 529 505 4.7% 502 466 497 2,002 1,845 8.5% 1,845 Net trad
Slide 47: Country Financials (CE) – Czech Republic
Country Financials (CE) – Czech Republic In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 167 175 (4.5%) 165 165 169 671 622 8.0% 622 Net fee and commission income 62 58 6.9% 52 47 49 219 179 21.8% 179 Net trading income and fair value r
Slide 48: Country Financials (CE) – Hungary
Country Financials (CE) – Hungary In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 108 102 6.6% 92 118 109 420 472 (11.0%) 472 Net fee and commission income 75 68 10.4% 68 67 66 278 232 19.7% 232 Net trading income and fair value result
Slide 49: Country Financials (CE) – Poland
Country Financials (CE) – Poland In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 3 5 (41.6%) 4 7 7 19 33 (40.7%) 33 Net fee and commission income (0) 0 – 0 0 0 0 1 (71.1%) 1 Net trading income and fair value result 0 (0) – 0 0 0 0 1 (61
Slide 50: Country Financials (CE) – Slovakia
Country Financials (CE) – Slovakia In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 141 138 2.5% 132 128 126 539 480 12.5% 480 Net fee and commission income 54 51 7.0% 50 51 56 206 210 (1.8%) 210 Net trading income and fair value result
Slide 51: Country Financials (SEE) – Albania
Country Financials (SEE) – Albania In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 33 34 (0.5%) 33 33 33 132 131 0.6% 131 Net fee and commission income 5 8 (31.9%) 8 7 7 28 27 5.0% 27 Net trading income and fair value result 2 1 158.2%
Slide 52: Country Financials (SEE) – Bosnia and Herzegovina
Country Financials (SEE) – Bosnia and Herzegovina In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 22 22 1.2% 21 22 22 87 88 (1.4%) 88 Net fee and commission income 17 17 1.3% 15 14 17 63 60 4.6% 60 Net trading income and fair value resu
Slide 53: Country Financials (SEE) – Croatia
Country Financials (SEE) – Croatia In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 49 48 2.0% 49 47 47 193 186 3.5% 186 Net fee and commission income 19 21 (7.6%) 19 19 21 78 79 (1.3%) 79 Net trading income and fair value result 2 1 172
Slide 54: Country Financials (SEE) – Kosovo
Country Financials (SEE) – Kosovo In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 18 18 1.5% 18 17 17 71 71 0.1% 71 Net fee and commission income 4 5 (16.5%) 6 3 4 19 17 8.8% 17 Net trading income and fair value result 0 0 (79.6%) 0 0 0
Slide 55: Country Financials (SEE) – Romania
Country Financials (SEE) – Romania In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 162 164 (1.0%) 159 159 156 644 619 4.0% 619 Net fee and commission income 68 64 7.2% 68 48 59 248 200 23.8% 200 Net trading income and fair value result
Slide 56: Country Financials (SEE) – Serbia
Country Financials (SEE) – Serbia In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 70 69 1.7% 66 67 72 272 295 (7.9%) 295 Net fee and commission income 39 35 10.3% 34 31 33 138 123 12.4% 123 Net trading income and fair value result 4 4 (
Slide 57: Country Financials (EE) – Ukraine
Country Financials (EE) – Ukraine In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 98 101 (2.8%) 100 101 96 401 391 2.7% 391 Net fee and commission income 14 12 16.0% 23 15 18 65 67 (3.0%) 67 Net trading income and fair value result 2 2
Slide 58: Country Financials (EE) – Russia
Country Financials (EE) – Russia In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 389 402 (3.2%) 441 457 467 1,690 1,623 4.1% 1,623 Net fee and commission income 170 174 (2.2%) 183 201 172 729 793 (8.0%) 793 Net trading income and fair v
Slide 59: Group Corporates & Markets
Group Corporates & Markets In EUR mn Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 179 170 5.5% 190 186 207 725 860 (15.7%) 860 Net fee and commission income 153 152 0.7% 147 148 157 600 589 1.8% 589 Net trading income and fair value result 40
Slide 60: 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 61: 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 62: Financial Calendar
Financial Calendar Group Investor & Media 2 March 2026 Annual Financial Report 2025 Relations 30 March 2026 Record Date Annual General Meeting 9 April 2026 Annual General Meeting Raiffeisen Bank 14 April 2026 Ex-Dividend Date International AG 15 April 2026 Record Date Dividend 17 April 2026 Dividend
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