Raiffeisen Bank International AG / Key word(s): Half Year Results
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 million | H1/2026 | H1/2025 | Q2/2026 | Q1/2026 | | Net interest income | 2,187 | 2,073 | 1,111 | 1,076 | | Net fee and commission income | 1,068 | 969 | 549 | 520 | | Net trading income and fair value result | (15) | 32 | (20) | 5 | | General administrative expenses | (1,790) | (1,724) | (894) | (896) | | Operating result | 1,592 | 1,444 | 832 | 760 | | Other 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 tax | 1,097 | 950 | 704 | 393 | | Profit/loss after tax | 823 | 687 | 565 | 258 | | Consolidated profit | 708 | 567 | 499 | 209 |
| Financial statement in EUR million | 30/6/2026 | 31/12/2025 | | Loans to customers | 106,959 | 101,195 | | Deposits from customers | 125,401 | 117,277 | | Total assets | 205,378 | 193,191 | | Total risk-weighted assets (RWA) | 84,020 | 80,932 |
| Bank-specific information | 30/6/2026 | 31/12/2025 | | NPE ratio | 1.6% | 1.7% | | NPE coverage ratio | 46.9% | 44.2% | | CET1 ratio transitional (incl. profit) | 15.5% | 15.5% | | Total capital ratio transitional (incl. profit) | 20.2% | 20.3% |
| Key ratios | H1/2026 | H1/2025 | Q2/2026 | Q1/2026 | | Net interest margin (Ø interest-bearing assets) | 2.26% | 2.29% | 2.27% | 2.25% | | Cost/income ratio | 52.2% | 53.7% | 51.0% | 53.4% | | Provisioning ratio (Ø loans to customers) | 0.20% | 0.21% | 0.04% | 0.36% | | Consolidated return on equity | 9.5% | 8.1% | 13.9% | 5.2% | | Earnings per share in EUR | 1.97 | 1.55 | 1.42 | 0.54 |
Outlook 2026 The following guidance refers to RBI excluding Russia. | Outlook 2026 | RBI excl. RU | | Net interest income in EUR | above 4.4 bn | | Net fee and commission income in EUR | around 2.2 bn | | General administrative expenses in EUR | around 3.8 bn | | Cost/income ratio | around 55% | | Provisioning ratio | up to 35 bps | | Consolidated return on equity | around 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 ir@rbinternational.com phone +43-1-71 707-2089 www.rbinternational.com
31.07.2026 CET/CEST This Corporate News was distributed by EQS Group
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| Language: | English |
| Company: | Raiffeisen Bank International AG |
| Am Stadtpark 9 |
| A-1030 Vienna |
| Austria |
| Phone: | +43-1-71707-2089 |
| E-mail: | ir@rbinternational.com |
| Internet: | https://www.rbinternational.com/en/raiffeisen.html |
| ISIN: | AT0000606306 |
| WKN: | A0D9SU |
| Listed: | Regulated Unofficial Market in Dusseldorf, Frankfurt, Hamburg, Hanover, Munich, Stuttgart, Tradegate BSX; Luxembourg Stock Exchange, SIX, Vienna Stock Exchange (Official Market) |
| LEI Code: | 9ZHRYM6F437SQJ6OUG95 |
| EQS News ID: | 2374636 |
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| End of News | EQS News Service |
2374636 31.07.2026 CET/CEST
en | AT0000606306 | RAIFFEISEN BANK INTERNATIONAL AG | boerse | 69903377 |
