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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
- 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:
| 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 |
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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
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