Raiffeisen Bank International AG Q3 2025 Earnings Recap

Raiffeisen Bank International delivered a robust performance in Q3 2025, reporting a consolidated profit of EUR 1.027 billion and confirming its target of 13% return on equity for the future, excluding Russia and Poland.

Key Takeaways

• Excluding Russia, the bank achieved a 10% return on equity year-to-date with a target of 13% for 2025.
• Loan growth remains strong at 3%, with guidance maintained for 6% to 7% growth in 2025.
• Net interest income (NII) guidance for 2025 stands at EUR 4.15 billion, supported by improved asset and liability volumes.
• Risk costs continue to decline, with an NPE ratio at a record low of 1.7% and guidance adjusted to approximately 30 basis points for 2025.
• The CET1 ratio remains stable at 15.7%, ensuring a strong capital position amidst ongoing geopolitical risks.