Raiffeisen Bk Intl Ag Ord (RAIFF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon ladies and gentlemen and welcome to the preliminary results 2025 conference call of Reifus & Bank International. Today's conference is being recorded. At this time I'd like to turn the conference over to Mr. Johann Strobl, Chief Executive Officer. Please go ahead sir. Good afternoon ladies and gentlemen. Thank you for joining us today. We are happy to report a good set of results for the fourth quarter. and all in all a very satisfactory full year 2025. We finished the year with a consolidated profit excluding Russia of 1 billion 443 million euros and the return on equity of 10.6% slightly ahead of our guidance. The business year 2025 was again impacted by litigation provisions in Poland or so to a lesser extent than in previous years, and we expect further improvements here in 2026 and beyond. When we look at the future of the group and what it is capable of achieving, as we include Russia and the legacy portfolio in Poland, what we see is a bank that achieved a 13.4% ROE in 2025. We are confident that the underlying business model is strong, that the balance sheet is healthy and well capitalized, and that we are ready to grow for years to come. We finished the business year 2025 with 6% loan growth in line with our guidance. And while the first two quarters were slow, we are encouraged by the momentum that has built up in the second half of the year. We start 2026 in full swing with a solid C to one ratio Improving liquidity costs and most importantly good demand from our customers. Moving to slide 6, we are happy to share with you the dividend proposal for 2025. With Euro 1.6 per share, we would like to see our shareholders participate in the good results of the past year. Please note that this is of course subject to the audited figures and will be...