Q3 2025 Raiffeisen Bank International AG Earnings Call Transcript

Oct 30, 2025 / 01:00 PM GMT

Release Date Price: €31.5 (+4.17%)

Transcript

Key Points

Positve

Raiffeisen Bank International AG (RAIFF) reported a consolidated profit of €127 million for the first nine months of the year, excluding Russia, with a return on equity of 10%, aligning with their 2025 guidance.
The bank achieved a 13.5% return on equity when excluding both Russia and Poland, confirming their ambition to maintain around 13% ROE in 2025 and beyond.
Loan growth was reported at 3% in the first nine months, with positive momentum leading to a confirmation of 6-7% loan growth guidance for 2025.
Strong retail deposit inflows were noted, which further strengthened liquidity and supported net interest income.
Asset quality continues to improve, with a provision ratio for the year standing at 4 basis points and a stable stage 3 coverage ratio around 50%.

Negative

Operating expenses increased by 7% year-on-year to September 2025, leading to a slight deterioration of the cost-income ratio target to 53%.
There are ongoing geopolitical risks and trade restrictions that could impact future performance, particularly in regions like Ukraine.
The bank is facing litigation provisions in Poland related to FX mortgages, with €66 million booked in provisions, bringing the total to €295 million.
The corporate and market division experienced a decline, with a €20 million decrease quarter-on-quarter.
There is uncertainty regarding the potential introduction of a bank tax in Czechia, which could impact future profitability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

RBIV.VI - Raiffeisen Bank International AG
Q3 2025 Raiffeisen Bank International AG Earnings Call
Oct 30, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon ladies and gentlemen, and welcome to the Q3 2025 conference call of Ray Eisen Bank International.

Today's conference is being recorded.

At this time I'd like to send the conference over to Mr. Johann Strobel, Chief Executive Officer. Please go ahead.

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Unidentified_2 [2]
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Thank you very much. Good afternoon, ladies and gentlemen.

Thank you for being with us this afternoon.

We are pleased to report a good set of results this morning and in particular.

Growth across the

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