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Raiffeisen Bk Intl Ag Ord (RAIFF) Q3 2025 Earnings Call
Raiffeisen Bk Intl Ag Ord (OTC: RAIFF) Q3 2025 earnings conference call, held 2025-10-30. Replay captured from the company's public earnings webcast.
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Johann Strobl
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Replay transcript excerpt
WEBVTT 00:00:01.249 -- 00:00:06.572 Good afternoon, ladies and gentlemen, and welcome to the Q3 2025 conference call 00:00:06.572 -- 00:00:09.213 of Raytheisen Bank International. 00:00:09.213 -- 00:00:11.855 Today's conference is being recorded. 00:00:11.855 -- 00:00:13.956 At this time, I'd like to turn the conference over to Mr. 00:00:13.956 -- 00:00:19.398 Johann Strobl, Chief Executive Officer. Please go ahead. 00:00:21.280 -- 00:00:24.402 Thank you very much. Good afternoon, ladies and gentlemen. 00:00:24.402 -- 00:00:26.443 Thank you for being with us this afternoon. 00:00:26.443 -- 00:00:30.725 We are pleased to report a good set of results this morning. 00:00:30.725 -- 00:00:35.809 and in particular Lund, growth across the region which continued 00:00:35.809 -- 00:00:41.013 to pace in the third quarter. We can report the consolidated profit of 1 billion 00:00:41.013 -- 00:00:46.077 and 27 million euros for the first nine months of the year, 00:00:46.077 -- 00:00:51.341 excluding Russia, equal to a return on equity of 10% in line 00:00:51.341 -- 00:00:54.401 with our guidance for 2025. 00:00:54.861 -- 00:01:00.084 When we think about the future of RBI and exclude both Russia and Poland, we 00:01:00.084 -- 00:01:04.687 have achieved a 13.5 RBI in the first nine months. 00:01:04.687 -- 00:01:10.350 We can confirm our ambition to earn around 13% on this basis in 00:01:10.350 -- 00:01:12.592 2025 and beyond. 00:01:12.592 -- 00:01:16.214 We will discuss this again on the Outlook slide. 00:01:16.214 -- 00:01:18.075 Finally, our city... 00:01:18.075 -- 00:01:20.456 This meeting is being transcribed. 00:01:20.456 -- 00:01:23.197 ...stable at 15.7%. 00:01:23.895 -- 00:01:28.920 On slide 5, we can report 3% loan growth in the first nine months of this 00:01:28.920 -- 0...