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EQS-News: Raiffeisen Bank International AG
/ Key word(s): 9 Month figures
RBI 1-9/2025: Consolidated profit (excluding Russia) of more than EUR 1 billion, up 21 per cent
30.10.2025 / 07:30 CET/CEST
The issuer is solely responsible for the content of this announcement.
RBI 1-9/2025: Consolidated profit (excluding Russia) of more than EUR 1 billion, up 21 per cent
- Consolidated profit 1-9/2025 at EUR 1,027 million for the core group (excluding Russia)
- Main revenues of EUR 1,561 million, up 2% q-o-q
- Loan origination accelerated in Q3 across CE and SEE
- CET1 ratio excluding Russia at 15.7% (group CET1 ratio at 18.2%)
- Business reduction in Russia ahead of schedule
- Return on equity targets confirmed
The following tables refer to RBI excluding Russia and Belarus:
| Income Statement in EUR million |
1-9/2025 |
1-9/2024 |
Q3/2025 |
Q2/2025 |
| Net interest income |
3,129 |
3,113 |
1,056 |
1,027 |
| Net fee and commission income |
1,473 |
1,348 |
505 |
502 |
| Net trading income and fair value result |
19 |
20 |
(12) |
59 |
| General administrative expenses |
(2,562) |
(2,404) |
(837) |
(874) |
| Operating result |
2,228 |
2,271 |
785 |
765 |
| Other result |
(298) |
(552) |
(65) |
(166) |
| Governmental measures and compulsory contributions |
(199) |
(165) |
(46) |
(37) |
| Impairment losses on financial assets |
(120) |
(157) |
(12) |
(62) |
| Profit/loss before tax |
1,611 |
1,397 |
661 |
500 |
| Profit/loss after tax |
1,215 |
1,003 |
528 |
369 |
| Consolidated profit |
1,027 |
847 |
460 |
307 |
| Financial statement in EUR million |
30/9/2025 |
31/12/2024 |
| Loans to customers |
98,481 |
95,363 |
| Deposits from customers |
115,131 |
108,205 |
| Total assets |
192,826 |
184,961 |
| Total risk-weighted assets (RWA) |
78,639 |
78,325 |
| Bank-specific information |
30/9/2025 |
31/12/2024 |
| NPE Ratio |
1.7% |
2.1% |
| NPE Coverage Ratio |
47.7% |
50.4% |
| CET1 ratio transitional (incl. profit) |
15.7% |
15.1% |
| Total capital ratio transitional (incl. profit) |
20.6% |
20.4% |
| Key ratios |
1-9/2025 |
1-9/2024 |
Q3/2025 |
Q2/2025 |
| Net interest margin (Ø interest-bearing assets) |
2.29% |
2.33% |
2.30% |
2.27% |
| Cost/income ratio |
52.8% |
50.9% |
50.9% |
52.6% |
| Provisioning ratio (Ø loans to customers) |
0.14% |
0.22% |
0.01% |
0.23% |
| Consolidated return on equity |
10.0% |
8.6% |
14.0% |
8.9% |
| Earnings per share in EUR |
2.87 |
2.33 |
1.32 |
0.84 |
The consolidated result for the entire RBI Group can be found in the Third Quarter 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 53.0% |
| Provisioning ratio (excluding potential use of overlays) |
around 30 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
30.10.2025 CET/CEST This Corporate News was distributed by EQS Group. www.eqs.com
View original content: EQS News
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