Johann Strobl
Chief Executive Officer
Replay available
Raiffeisen Bk Intl Ag Ord (RAIFF) Q4 2025 Earnings Call
Raiffeisen Bk Intl Ag Ord (OTC: RAIFF) Q4 2025 earnings conference call, held 2026-01-30. Replay captured from the company's public earnings webcast.
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Investor webinar replay
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Replay transcript excerpt
WEBVTT 00:00:00.051 -- 00:00:05.035 Good afternoon ladies and gentlemen and welcome to the preliminary results 2025 conference 00:00:05.035 -- 00:00:09.798 call of Reifus & Bank International. Today's conference is being recorded. 00:00:09.798 -- 00:00:12.140 At this time I'd like to turn the conference over to Mr. 00:00:12.140 -- 00:00:17.022 Johann Strobl, Chief Executive Officer. Please go ahead sir. 00:00:17.844 -- 00:00:22.548 Good afternoon ladies and gentlemen. Thank you for joining us today. 00:00:22.548 -- 00:00:26.510 We are happy to report a good set of results for the fourth quarter. 00:00:26.510 -- 00:00:31.192 and all in all a very satisfactory full year 2025. 00:00:31.192 -- 00:00:36.393 We finished the year with a consolidated profit excluding Russia of 1 billion 00:00:36.393 -- 00:00:42.375 443 million euros and the return on equity of 10.6% 00:00:42.375 -- 00:00:47.777 slightly ahead of our guidance. The business year 2025 was again impacted 00:00:47.777 -- 00:00:53.049 by litigation provisions in Poland or so to a lesser extent than in previous years, 00:00:53.049 -- 00:00:58.030 and we expect further improvements here in 2026 and beyond. 00:00:58.030 -- 00:01:02.871 When we look at the future of the group and what it is capable of achieving, as we include 00:01:02.871 -- 00:01:08.092 Russia and the legacy portfolio in Poland, what we see is a bank that achieved 00:01:08.092 -- 00:01:13.634 a 13.4% ROE in 2025. We are confident 00:01:13.634 -- 00:01:17.675 that the underlying business model is strong, that the balance sheet is healthy and well 00:01:17.675 -- 00:01:19.382 capitalized, 00:01:19.382 -- 00:01:23.883 and that we are ready to grow for years to come. 00:01:24.884 -- 00:01:30.585 We finished the business year 2025 with 6% loan growth 00:0...