PRESS RELEASE
from Raiffeisen International Bank-Holding AG (ETR:RAW)
Semi-Annual Financial Report 2025 - Consolidated profit of core group (excluding Russia) up 5 per cent
EQS-News: Raiffeisen Bank International AG / Key word(s): Half Year Results
Semi-Annual Financial Report 2025 - Consolidated profit of core group (excluding Russia) up 5 per cent
30.07.2025 / 07:27 CET/CEST
The issuer is solely responsible for the content of this announcement.
Semi-Annual Financial Report 2025
Consolidated profit of core group (excluding Russia) up 5 per cent
Consolidated profit of core group (excluding Russia) up 5 per cent
- H1/2025 consolidated profit at EUR 567 million for the core group (excluding Russia)
- Main revenues of EUR 1,529 million stable q-o-q
- Provisioning ratio at 23 bps in Q2, guidance for FY/2025 improved to around 35 bps
- CET1 ratio excluding Russia at 15.7% (group CET1 ratio at 18.2%)
- Further business reduction in Russia, loans to customers and deposits from customers down 9% each, year-to-date in local currency
The following tables refer to RBI excluding Russia and Belarus:
The consolidated result for the entire RBI Group can be found in the Semi-Annual Financial Report 2025 on RBI’s website.
| Income Statement in EUR million | 1-6/2025 | 1-6/2024 | Q2/2025 | Q1/2025 |
| Net interest income | 2,073 | 2,094 | 1,027 | 1,046 |
| Net fee and commission income | 969 | 892 | 502 | 466 |
| Net trading income and fair value result | 32 | 17 | 59 | (27) |
| General administrative expenses | (1,724) | (1,600) | (874) | (850) |
| Operating result | 1,444 | 1,522 | 765 | 678 |
| Other result | (232) | (386) | (166) | (66) |
| Governmental measures and compulsory contributions | (153) | (142) | (37) | (116) |
| Impairment losses on financial assets | (108) | (81) | (62) | (46) |
| Profit/loss before tax | 950 | 913 | 500 | 450 |
| Profit/loss after tax | 687 | 642 | 369 | 318 |
| Consolidated profit | 567 | 540 | 307 | 260 |
| Financial statement in EUR million | 30/6/2025 | 31/12/2024 |
| Loans to customers | 97,480 | 95,363 |
| Deposits from customers | 110,764 | 108,205 |
| Total assets | 187,704 | 184,961 |
| Total risk-weighted assets (RWA) | 76,441 | 78,325 |
| Bank-specific information | 30/6/2025 | 31/12/2024 |
| NPE Ratio | 1.8% | 2.1% |
| NPE Coverage Ratio | 48.3% | 50.4% |
| CET1 ratio transitional (incl. profit) | 15.7% | 15.1% |
| Total capital ratio transitional (incl. profit) | 20.7% | 20.4% |
| Key ratios | 1-6/2025 | 1-6/2024 | Q2/2025 | Q1/2025 |
| Net interest margin (Ø interest-bearing assets) | 2.29% | 2.35% | 2.27% | 2.31% |
| Cost/income ratio | 53.7% | 50.7% | 52.6% | 55.0% |
| Provisioning ratio (Ø loans to customers) | 0.21% | 0.18% | 0.23% | 0.20% |
| Consolidated return on equity | 8.1% | 8.2% | 8.9% | 7.3% |
| Earnings per share in EUR | 1.55 | 1.48 | 0.84 | 0.71 |
The consolidated result for the entire RBI Group can be found in the Semi-Annual Financial Report 2025 on RBI’s website.
Outlook 2025
The following guidance refers to RBI excluding Russia.
| Outlook 2025 | RBI excl. RU |
| Net interest income in EUR | around 4.15 bn |
| Net fee and commission income in EUR | around 1.95 bn |
| Loans to customers (growth) | 6 to 7% |
| General administrative expenses in EUR | around 3.45 bn |
| Cost/income ratio | around 52,5% |
| Provisioning ratio (excluding potential use of overlays) | around 35 bps |
| Consolidated return on equity | around 10% |
| CET1 ratio | around 15.2%* |
| *’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
ir@rbinternational.com
phone +43-1-71 707-2089
www.rbinternational.com
30.07.2025 CET/CEST This Corporate News was distributed by EQS Group. www.eqs.com
| Language: | English |
| Company: | Raiffeisen Bank International AG |
| Am Stadtpark 9 | |
| A-1030 Vienna | |
| Austria | |
| Phone: | +43-1-71707-2089 |
| Fax: | +43-1-71707-2138 |
| E-mail: | ir@rbinternational.com |
| Internet: | https://www.rbinternational.com/en/raiffeisen.html |
| ISIN: | AT0000606306 |
| WKN: | A0D9SU |
| Listed: | Regulated Unofficial Market in Berlin, Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate Exchange; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) |
| EQS News ID: | 2176496 |
| End of News | EQS News Service |
2176496 30.07.2025 CET/CEST