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

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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 millionH1/2026H1/2025Q2/2026Q1/2026Net interest income2,1872,0731,1111,076Net fee and commission income1,068969549520Net trading income and fair value result(15)32(20)5General administrative expenses(1,790)(1,724)(894)(896)Operating result1,5921,444832760Other 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 tax1,097950704393Profit/loss after tax823687565258Consolidated profit708567499209
Financial statement in EUR million30/6/202631/12/2025Loans to customers106,959101,195Deposits from customers125,401117,277Total assets205,378193,191Total risk-weighted assets (RWA)84,02080,932
Bank-specific information30/6/202631/12/2025NPE ratio1.6% 1.7% NPE coverage ratio46.9% 44.2% CET1 ratio transitional (incl. profit)15.5% 15.5% Total capital ratio transitional (incl. profit)20.2% 20.3%
Key ratiosH1/2026H1/2025Q2/2026Q1/2026Net interest margin (Ø interest-bearing assets)2.26% 2.29% 2.27% 2.25% Cost/income ratio52.2% 53.7% 51.0% 53.4% Provisioning ratio (Ø loans to customers)0.20% 0.21% 0.04% 0.36% Consolidated return on equity9.5% 8.1% 13.9% 5.2% Earnings per share in EUR1.971.551.420.54
Outlook 2026 The following guidance refers to RBI excluding Russia.
Outlook 2026RBI excl. RUNet interest income in EURabove 4.4 bnNet fee and commission income in EURaround 2.2 bnGeneral administrative expenses in EURaround 3.8 bnCost/income ratioaround 55%Provisioning ratioup to 35 bpsConsolidated return on equityaround 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

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Language:EnglishCompany:Raiffeisen Bank International AGAm Stadtpark 9A-1030 ViennaAustriaPhone:+43-1-71707-2089E-mail:[email protected]Internet:https://www.rbinternational.com/en/raiffeisen.htmlISIN:AT0000606306WKN:A0D9SUListed:Regulated Unofficial Market in Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate BSX; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market)LEI Code:9ZHRYM6F437SQJ6OUG95EQS News ID:2374636
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