RBI: Semi-Annual Financial Report 2026 - Consolidated profit (excl. Russia) up 25%

About this update from Raiffeisen Bank International Ag

EQS-News: Raiffeisen Bank International AG / Key word(s): Half Year Results RBI: Semi-Annual Financial Report 2026 - Consolidated profit (excl. Russia) up 25% 31.07.2026 / 07:29 CET/CEST The issuer is solely responsible for the content of this announcement. RBI: Semi-Annual Financial Report 2026 Consolidated profit (excl. Russia) up 25% H1/2026 consolidated profit of EUR 708 million (excl. Russia), main revenues up 7% y-o-y to EUR 3,255 million Customer loans up 6% to EUR 107 billion year-to-date (excl. Russia) Q2/2026 provisioning ratio excl. Russia at 4 basis points and 20 basis points year-to-date CET1 ratio at 15.5% (excl. Russia) Further business reduction in Russia - all restrictions to remain in place   The following tables refer to RBI excluding Russia:    Income Statement in EUR million H1/2026 H1/2025 Q2/2026 Q1/2026 Net interest income 2,187 2,073 1,111 1,076 Net fee and commission income 1,068 969 549 520 Net trading income and fair value result (15) 32 (20) 5 General administrative expenses (1,790) (1,724) (894) (896) Operating result 1,592 1,444 832 760 Other result (158) (232) (72) (86) Governmental measures and compulsory contributions (227) (153) (49) (177) Impairment losses on financial assets (110) (108) (7) (103) Profit/loss before tax 1,097 950 704 393 Profit/loss after tax 823 687 565 258 Consolidated profit 708 567 499 209   Financial statement in EUR million 30/6/2026 31/12/2025 Loans to customers 106,959 101,195 Deposits from customers 125,401 117,277 Total assets 205,378 193,191 Total risk-weighted assets (RWA) 84,020 80,932   Bank-specific information 30/6/2026 31/12/2025 NPE ratio 1.6% 1.7% NPE coverage ratio 46.9% 44.2% CET1 ratio transitional (incl. profit) 15.5% 15.5% Total capital ratio transitional (incl. profit) 20.2% 20.3%   Key ratios H1/2026 H1/2025 Q2/2026 Q1/2026 Net interest margin (Ø interest-bearing assets) 2.26% 2.29% 2.27% 2.25% Cost/income ratio 52.2% 53.7% 51.0% 53.4% Provisioning ratio  (Ø loans to customers) 0.20% 0.21% 0.04% 0.36% Consolidated return on equity 9.5% 8.1% 13.9% 5.2% Earnings per share in EUR 1.97 1.55 1.42 0.54   Outlook 2026 The following guidance refers to RBI excluding Russia. Outlook 2026 RBI excl. RU Net interest income in EUR above 4.4 bn Net fee and commission income in EUR around 2.2 bn General administrative expenses in EUR around 3.8 bn Cost/income ratio around 55% Provisioning ratio up to 35 bps Consolidated return on equity around 9.5% Loans to customers (growth, excl. announced acquisitions) around 7% CET1 ratio (incl. announced acquisition projects) around 14.3%* *’P/B Zero’ Russia deconsolidation scenario   In the medium term, RBI aims to achieve a consolidated return on equity of at least 13% excluding Russia and excluding provisions and legal cost for foreign currency loans in Poland.   For further information please contact: John P. Carlson, CFA Head of Group Investor & Media Relations Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna, Austria [email protected] phone +43-1-71 707-2089 www.rbinternational.com   31.07.2026 CET/CEST This Corporate News was distributed by EQS Group View original content: EQS News Language: English Company: Raiffeisen Bank International AG Am Stadtpark 9 A-1030 Vienna Austria Phone: +43-1-71707-2089 E-mail: [email protected] Internet: https://www.rbinternational.com/en/raiffeisen.html ISIN: AT0000606306 WKN: A0D9SU Listed: Regulated Unofficial Market in Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate BSX; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) LEI Code: 9ZHRYM6F437SQJ6OUG95 EQS News ID: 2374636   End of News EQS News Service 2374636  31.07.2026 CET/CEST

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