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Raiffeisen Bank International | Member of RBI Group Confidential and proprietary Any use of this material without specific permission of Raiffeisen Bank International is strictly prohibited. Raiffeisen Bank International Q3/2025 Results 30 October 2025
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Certain statements contained herein may be statements of future expectations and other forward-looking statements about Raiffeisen Bank International AG (“RBI”) and its affiliates, which are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, words such as "may", "will", "should", "expects", "plans", "contemplates", "intends", "anticipates", "believes", "estimates", "predicts", "potential", or "continue" and similar expressions typically identify forward-looking statements. By their nature, forward-looking statements involve known and unknown risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. As such, no forward-looking statement can be guaranteed. Undue reliance should not be placed on these forward-looking statements. Many factors could cause our results of operations, financial condition, liquidity, and the development of the industries in which we compete, to differ materially from those expressed or implied by the forward-looking statements contained herein. These factors include, without limitation, the following: (i) our ability to compete in the regions in which we operate; (ii) our ability to meet the needs of our customers; (iii) our ability to leverage synergies from acquisitions, cost reduction programs or other projects; (iv) uncertainties associated with general economic conditions particularly in CEE; (v) governmental factors, including the costs of compliance with regulations and the impact of regulatory changes; (vi) the impact of currency exchange rate and interest rate fluctuations; and (vii) other risks, uncertainties and factors inherent in our business. This presentation contains financial and non-financial information and statistical data relating to RBI. Such information and data are presented for illustrative purposes only. Subject to applicable securities law requirements, we disclaim any intention or obligation to update or revise any forward-looking statements set forth herein, whether as a result of new information, future events or otherwise. This document is for information purposes only and shall not be treated as giving any investment advice and/or recommendation whatsoever. This presentation and any information (written or oral) provided to you does not constitute an offer of securities, nor a solicitation for an offer of securities, nor a prospectus or advertisement or a marketing or sales activity for such securities. Neither the shares of RBI nor securities issued by any subsidiary of RBI have been registered under the U.S. Securities Act of 1933 (the “Securities Act”) nor in Canada, U.K. or Japan. No securities may be offered or sold in the United States or in any other jurisdiction, which requires registration or qualification, absent any such registration or qualification or an exemption therefrom. These materials must not be copied or otherwise distributed to “U.S. persons” (according to the definition under Regulation S of the Securities Act as amended from time to time) or publications with general circulation in the United States. The circulation of this document may be restricted or prohibited in certain jurisdictions. For the United Kingdom: This presentation and related material (these "Materials") are for distribution only to persons who are members of RBI falling within Article 43(2) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the "Financial Promotion Order") or who (i) have professional experience in matters relating to investments falling within Article 19(5) of the Financial Promotion Order, (ii) are persons falling within Article 49(2)(a) to (d) ("high net worth companies, unincorporated associations etc") of the Financial Promotion Order, (iii) are outside the United Kingdom, or (iv) are persons to whom an invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets Act 2000) in connection with the issue or sale of any securities may otherwise lawfully be communicated or caused to be communicated (all such persons together being referred to as "relevant persons"). These Materials are directed only at relevant persons and must not be acted on or relied on by persons who are not relevant persons. Any investment or investment activity to which these Materials relate is available only to relevant persons and will be engaged in only with relevant persons. The data contained in this presentation is based on unaudited figures. We have diligently prepared this presentation. However, rounding, transmission, printing, and typographical errors cannot be ruled out. None of RBI, any of its affiliates, advisors or representatives shall be responsible or liable for any omissions, errors or subsequent changes which have not been reflected herein and accept no liability whatsoever for any loss or damage howsoever arising from any use of this document or its content or third-party data or otherwise arising in connection therewith. Disclaimer 30 October 2025 2
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
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1-9/2025 Executive Summary RBI Group Consolidated profit 1-9/2025 Consolidated RoE 1-9/2025 CET1 ratio 30/09/2025, transitional, incl. results EUR 926 mn y-o-y -56% 8.5% y-o-y -7 pp 18.2% EUR 1,027 mn 10.0% 15.7% Consolidated profit Consolidated RoE CET1 ratio ytd Assuming P/B Zero deconsolidation (see p. 11) excluding Russia 30 October 2025 +1 pp +21% y-o-y Adjusted annualized (EUR 1.2 bn claim derecognition in H1/25 only) excl. Russia and Poland (see p.36) 4 13.5% excl. Russia
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Adjusted 1-9/2025 Executive Summary RBI Group excluding Russia Loans to customers Main revenues Opex CIR +3% ytd Net interest income Net fee & commission income 4,431 +4% +3% 43.8% +1 pp EUR 103,027 mn EUR 3,038 mn +7% y-o-y EUR 98,481 mn +3% ytd NII NFCI +9% +1% 52.8% +2 pp EUR 2,562 mn +7% y-o-y 30 October 2025 2,032 3,129 1,473 Loans to customers 30/09/2025 Main revenues 1-9/2025, in EUR mn Opex and Cost/Income Ratio 1-9/2025 y-o-y y-o-y 5
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De-risking in Russia 30 October 2025 LCR 24/10/2025 556% Loan/deposit ratio 30/09/2025 29% Net-cross border exposure of EUR 15 mn as of October 2025 Significant business reduction since 2022 Loans to customers Contractual amortization with very few exceptions to a pre-approved list of large and internationally active companies Deposits from customers Strict restrictions on deposit taking. No term deposits, current accounts priced at zero with high maintenance fees Cash / liquidity placement RUB at Central Bank of Russia Strict limits on FX liquidity placements 6 Assets Liabilities 27.1 16.3 14.3 14.0 17.0 17.0 18.6 18.0 13.7 9.0 7.1 6.0 5.8 4.2 4.7 4.5 Loans to customers in Russia RWA in Russia under IFRS in EUR bn Q2/22 Q4/22 Q2/23 Q4/23 Q2/24 Q4/24 Q3/25Q2/25 Reduction of business continues further into 2025 1 Loan book reduction ahead of schedule: 3 FX payments out of Russia: 2 Deposits from customers reduction continues: -57% Loans to customers in RUB terms since February 2022 -38% Deposits from customers in RUB terms since February 2022 Restrictions on outgoing FX payments fully implemented RUBEUR +23% in Q1/25 Equity Driven by retained earnings and restriction on dividends
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639 680 650 668 668 685 679 Q3/2025 Main Revenue Trends 30 October 2025 Core Excluding Russia / Belarus Group 1,428 1,410 1,430 1,511 1,504 1,468 1,459 Core Excluding Russia / Belarus NFCI in Q3 driven by FX business and asset management inflows Top 3 – in EUR mn Q1/25 Q2/25 Q3/25 Q1/25 Q2/25 Q3/25 Clearing, settlement and payment services 219 256 235 201 233 216 FX business 236 222 225 100 104 113 Asset management 79 77 81 71 70 74 excl. Russia Core Group NII driven by loan growth in CE/SEE and deposit inflows, while rate cuts have slowed in most countries Net interest margin in Q3 excluding Russia at 2.30% Net interest income in EUR mn Net fee and commission income in EUR mn 2024 Q2 Q4Q3Q1 2025 Q2Q1 Q3 Group q-o-q +1% 1,060 1,033 1,019 1,042 1,046 1,027 1,056 q-o-q +3% 431 461 456 497 466 502 505 2024 Q2 Q4Q3Q1 2025 Q2Q1 Q3 7
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100.1 99.6 101.0 102.2 103.0 94.9 95.4 96.1 97.5 98.5 120.3 117.7 120.0 121.4 125.3 107.4 108.2 109.3 110.8 115.1 Loans and Deposits to/from Customers in Q3/2025 Deposits from customers q-o-q 1% + q-o-q 1% + Assets (EUR 209.1 bn +3% q-o-q) (30/09/2025, in EUR bn, % q-o-q) Loans to customers 103.0 +1% Securities 45.7 +6% Loans to banks 15.8 +17% Cash and other assets 44.5 +0% Liabilities (EUR 209.1 bn +3% q-o-q) (30/09/2025, in EUR bn, % q-o-q) Deposits from customers 125.3 +3% Debt issued and other liab. 38.2 +1% Deposits from banks 23.6 +2% Equity 22.1 +4% in EUR bn Group q-o-q 3% + Core Excluding Russia/ Belarus Group Core Excluding Russia/ Belarus 30 October 2025 4% + q-o-q 30/09/24 31/12/24 30/06/2531/03/25 30/09/25 Loans to customers in EUR bn 3% loan growth in both in CE and in SEE, driven by Hungary and Romania Strong growth in Retail (mortgages) in Czechia and Slovakia and acceleration in Corporate activity in CE and SEE Deposits from customers growth at 4% in the Core Group in Q3, most notably from retail deposits 30/09/24 31/12/24 30/06/2531/03/25 30/09/25 8
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High Liquidity Across the Group 30 October 2025 24/10/2025 Q3/2025 Czech Republic 242% 68% 79% Slovakia 168% 66% 73% Hungary 158% 52% 73% Romania 228% 76% 82% Serbia 247% 70% 66% 87% 88% 88% 88% 162% 159% 148% 146% 152% 140% 139% 138% 139% 139% Q3/’25Q4/’24 Q2/’25 24/10/2025 LCR NSFR Loan/deposit ratio 179% 179% 173% 167% 183% 118% 117% 118% 120% 120% Q3/2025Q4/2024 Q2/2025 24/10/2025 Head office – Liquidity ratios RBI head office: conservative liquidity profile LCR NSFR … of which insured LCR Share of retail deposits Q1/’25 Q1/2025 LCR at 183% (as of 24 October 2025) Head office with sufficient liquidity to cover all deposits and maturing funding for over one year (see slide 40) In head office, around 22% of HQLA portfolio is cash and central bank deposits (down from 32% in Q1 due to increased bond investments) RBI Core Group excl. Russia - Liquidity ratios Key network units - Liquidity ratios 9
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CET1 Ratio Development – Core Group 30 October 2025 15.7% 15.7% + Assuming P/B zero deconsolidation scenario in Russia -27 bps Credit risk Core Group (of which -20 bps exposure increase) Retained earnings +36 bps Operational & Market risk -10 bps OCI, valuation & other effects +2 bps FX +3 bps - - + + 30/06/2025 P/B Zero Russia deconsolidation 30/09/2025 P/B Zero Russia deconsolidation 10 q-o-q +4 bps +
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P/B Zero Deconsolidation Scenario in Russia CET 1 Expected around 15.2% at year-end 2025 30/09/2025 P/B Zero Russia deconsolidation 30 October 2025 15.7% With Russia deconsolidated at P/B Zero, AT1 and T2 buckets are adequately supplied Capital stack under P/B Zero deconsolidation scenario Assumptions: Deconsolidated CET1 EUR 5.4 bn Deconsolidated RWA EUR 18.9 bn IFRS equity partially offset by deduction items Net consolidated Russia RWAs and other effects Capital stack CET 1 AT 1 T2 15.7% 2.12% 2.78% 2.02% 2.70% 12.10% RBI excl. Russia Current MDA threshold 30/09/2025 P/B Zero Russia deconsolidation MDA buffer at 361 bps 1 Capped at EUR 2.8 bn RWA until 31.12.2025 Including Russian Operational Risk EUR 2.8 bn RWA, equal to +57 bps1 11
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Core Group CET1 Outlook 2025 CET1 generated in Russia is not invested in RWAs elsewhere in the Group Any decision on dividends will be based on the capital position of the Group excluding Russia ~15.2% CET 1 31/12/2025e P/B Zero Russia deconsolidation 30 October 2025 Net of expected 2025 dividend accrual Inorganic effects and other capital items Organic growth, market and operational RWAs Expected CET1 drivers until year-end 2025: Retained earnings RWA increase FX Other ~18 bps + ~54 bps - ~6 bps - ~10 bps -CET 1 30/09/2025 P/B Zero Russia deconsolidation 15.7% Core Group CET1 ratio expected around 15.2 per cent at year-end 2025 12
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Capital Ratios and SREP 18.2% 19.9% 22.2% 4.50% 1.57% 5.98% 12.05% 2.02% 14.07% 2.70% CBR P2R Pillar 1 AT 1 (incl. P2R) Tier 2 (incl. P2R) 12.05% 16.77% 14.07% CET 1 Tier 1 Total capital RBI Group, transitional, pro-forma, as of 30/09/2025 Current regulatory requirements 30 October 2025 12.73% MDA trigger 545 bps MDA buffer EUR 6,731 mn Available distributable items q-o-q -12 bps P2R P2G CBR Combined buffer requirement composition 2.79% 1.25% 1.57% to be met with CET1 52 bps eligible for AT1 70 bps eligible for T2 To be solely covered by CET1 but applicable to all capital layers Sep. 2025 OSII buffer 1.75% Countercyclical capital buffer 0.72% Capital conservation buffer 2.50% Systemic risk buffer 1.01% CBR at 598 bps since September 2025 13
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MREL and Funding Plan 37.59% Total MREL requirement (30/09/2025) 11.75% Senior preferred 34.95% T2 AT1 CET1 & other subordinated Actual Requirement 30/09/2025 TREA in AT at EUR 35,045 mn MREL requirements for resolution group AT incl. CBR of 5.10% as of 30/09/2025 Total MREL Funding plan for 2025 complete Pre-funding for 2026 has started and possible senior preferred still in Q4/2025 Funding plan Austria resolution group MREL Including profit Other resolution groups 26.70% subordinated MREL requirement expected from January 20261 30 October 2025 30/09/2025 30/09/2025 2026 Czech Republic 32.74% 27.55% ~100 - 200 Senior non- preferred Slovakia 32.13% 27.73% ~100 - 300 Senior preferred Hungary 38.90% 30.62% ~0 - 100 Senior preferred & non-preferred Croatia 35.39% 31.39% ~100 - 300 Senior preferred Romania 36.60% 32.79% ~700 – 900 (intl. benchmark planned) Senior preferred & non-preferred Requirements Actual Ranking MREL needs 46.70% 1 Based on SRB MREL decision 14
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Macro Outlook GDP (real, % yoy) 2024 2025e 2026f 2027f Czech Republic 1.1 2.2 2.0 2.5 Hungary 0.6 0.7 2.0 2.4 Poland 2.9 3.3 3.3 3.0 Slovakia 2.1 0.8 1.5 1.7 Central Europe (CE) 2.1 2.5 2.7 2.7 Albania 4.1 3.6 3.7 3.9 Bosnia a. H. 3.0 2.0 2.8 3.0 Croatia 3.9 3.2 2.6 2.5 Kosovo 4.4 3.7 3.9 4.0 Romania 0.9 0.7 1.3 2.5 Serbia 3.9 2.5 2.8 3.5 Southeastern Europe (SEE) 2.2 1.8 2.1 2.8 Ukraine 2.9 2.7 3.0 4.5 Russia 4.3 0.9 0.9 0.9 Austria -0.7 0.4 0.8 1.0 Euro area 0.9 1.2 1.4 1.9 30 October 2025 Consumption and investment driven growth in 2026 across CE/SEE. Despite trade agreement between the EU and US, a 15% tariff and the pledged investments remain a downside risk for the EU. Consumer demand driven by robust labor markets, although headwinds from uncertain environment remain Investments are expected to provide increased support to growth in 2026 (EU funds, defense spending, German infrastructure spending). Fiscal consolidation may dampen growth in Slovakia and Romania Weakness in manufacturing and increased trade restrictions remains a near-term downside risk. Rise in defense spending positive for the mid/long term outlook. Source: RBI/Raiffeisen Research, October 2025 15
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Inflation and Key Rates Forecast AT Inflation rate (CPI) (average, % y-o-y) 2025f Source: RBI/Raiffeisen Research, October 2025 2026f CZ SK HU RS Key rates forecast Current December 2025 December 2026 December 2027 (%) 21/10/2025 Forecast Forecast Forecast Czech Republic 3.50 3.50 3.25 3.75 Hungary 6.50 6.50 6.00 5.00 Romania 6.50 6.50 5.25 3.50 Serbia 5.75 5.50 5.00 4.25 Euro (deposit facility) 2.00 2.00 2.00 2.00 2.3% Euro area 30 October 2025 1.7% 2.3%2.6% 4.1% 3.2% 3.5% 2.5% 4.6% 4.4% 3.9% 3.8% RO 7.4% 7.1% Inflation & rates In most CE/SEE countries, inflation remains elevated due to services and food. Inflation is expected to gradually decrease in CEE and to stabilize close to ECB target in the Euro area in 2026 and 2027 Recovery in investments and improving affordability of loans suggest some upside to the corporate credit cycle in 2026, though this may remain uneven across the region Banking sector view Loan demand in retail sector expected to remain robust, underpinned by solid consumption and labor markets and partially policy supported 16
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2025 Core Group Guidance (excl. Russia) 30 October 2025 Net interest income Net fee and commission income Loans to customers around EUR 4.15 bn 6% to 7% OPEX around EUR 3.45 bn CIR around 53% around 30 bps ‘P/B Zero’ Russia deconsolidation scenario around 15.2% Risk cost excluding potential use of overlays CET1 ratio around 10% Consolidated return on equity 11.0% 6.4% 10.9% 12.9% 7.5% 7.3% 13.9% 15.4% 13.3% ~13% Core adjusted (look-through) Excl. Russia and Belarus and excl. provisions and legal cost for FX loans in Poland13% and above FY/2021FY/2020FY/2019 FY/2022 FY/2023 FY/2024 FY/2025 FY/2026 FY/2027 RBI Group excluding Russia / Belarus including Russia / Belarus Core reported Excl. Russia / Belarus Medium term consolidated RoE Income Statement Profitability & Balance Sheet Core Group around EUR 1.95 bn ~10% 17 (see p. 36 for further elaboration)
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
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1 bps -22 bps 1.7% -6 bps 47.7% -0.7 ppq-o-q EUR 12 mn q-o-q RBI Group Q3/202513 bps Provisioning ratio Risk cost1 48 77 100 109 317 346 270 348 364 342 97 108 729 765 467 565 FY/2022 FY/2023 FY/2024 Q3/2025 Russia GC&M, CE, SEE UkraineEUR 44 mn 1.7% 49.8% Risk cost excluding Russia, Q3/2025 NPE ratio/ coverage ratio excluding Russia, 30/09/2025 Stock of risk overlays 30/09/2025 Risk Overview 30 October 2025 2025 Guidance Q3/2025 Around 30 bps risk cost guidance for RBI Group excluding Russia Consumption and investment driven growth expected to continue. Trade restrictions & geopolitical risks remain a downside. Tariff sensitivity: only minor impacts and rating migrations due to US tariffs, overlays confirmed, and monitoring maintained Risk cost remain low, with moderate stage 3 inflow across markets and model-based Stage 1 relief (mainly Ukraine) 1 Including impairments on debt securities 19
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IFRS 9 Provisioning 30 October 2025 EUR 44 mnEUR -51 mn EUR 27 mn EUR 12 mn EUR 56 mn Stage 1 & 2 Macro Overlays Stage 3 RBI Group – Q3/2025 Total 13 bps Overall EUR 12 mn of IFRS 9 provisions in Q3 Stage 1 & 2: driven by model parameter updates and relief from securitizations Macro: slight increase due to updated outlook Overlays: mainly due to increase in risk zone Ukraine Stage 3: driven by defaults across the region 1 2 Stage 1 & 2 1 2 Macro 3 Stage 3 1 bps 1 2 Overlays + EUR -51 mn EUR 11 mn Core Group – Q3/2025 excluding Russia + EUR 34 mn EUR 19 mn EUR 12 mn - (+) additional IFRS 9 provisions (-) release of IFRS 9 provisions YTD EUR mn Stage 1 & 2 Macro Overlays Stage 3 Total RBI Group -61 7 88 119 153 Excl. Russia -35 -0.4 77 79 120 20 +
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Q3/2025 RWA Development 30 October 2025 Core Group excl. Russia Operational risk RWA remains flat q-o-q. Increase of around EUR 0.5 bn expected in Q4/2025 following inclusion of 2025 income Credit RWAs driven mainly by exposure increase in retail (Czechia, Romania, Slovakia) and utilization of Corporate including project finance limits (incl. net effect from rating model updates of EUR +0.2 bn, mainly in Corporate) Slight FX increase mainly due to appreciation CZK and HUF CRR3 Transitional Transitional effect until 2032 estimated to around EUR +1.2 bn RWA vs. Q3/2025 (excluding potential FRTB effect) Output floor not affected on RBI consolidated level -1.4 0.4 0.3 FX Market risk RWA in EUR bn Credit risk 30/06/2025 30/09/2025 76.4 55.8 16.5 4.1 Credit risk Operational risk Market risk 57.4 16.5 4.7 78.6 Op risk 21 Market risk RWA driven mainly by the stress VaR volatility regime relevant for the trading book in head office
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Poland FX Mortgage Update 30 October 2025 Over 125% of CET1 or equivalent held against the portfolio: EUR ~2,151 mn EUR ~72 mn EUR ~2,079 mnLitigation provisions Capital consumption from credit risk RWA and impairments = + 125% Additional ~700 settlements in Q3/2025 Rollout into in-court settlement strategy Achieving reduced financial loss, legal costs, court fees, and penalty fees Number of FX loans in Poland in thousand, 30/09/2025 CET1 or equivalent held against portfolio Settlements 37.0 10.1 18.6 4.6 3.7 18.1 9.2 8.8 Total Repaid Active Annulled Settlements Does not include 2.9 thsd. defaulted cases 55.1 CHF loans EUR loans CHF loans EUR loans Stock of provisions for litigation: EUR 1,360 mn EUR 364 mnExposure EUR 1,915 mn Exposure EUR 164 mn Stock of provisions for litigation: Poland FX mortgage exposure and stock of provisions 22
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NPE Ratio and NPE Coverage 30 October 2025 ▪ NPE ratio: Non-performing exposure (loans and debt securities) in relation to entire loan portfolio of customers and banks (gross carrying amount) and debt securities ▪ NPE coverage ratio: Impairment losses (Stage 3) on loans to customers and banks and on debt securities in relation to non-performing loans to customers and banks and debt securities Asset quality development q-o-q CE – rather stable development SEE – slight improvement of NPE coverage ratio driven by Serbia Ukraine – further decrease of NPEs EE – NPE coverage ratio further improved in Russia GC&M – NPE coverage decreased due to lower coverage of new NPE inflows RBI Group - NPE & coverage ratio movements mainly driven by GC&M and SEE 78% NPE coverage ratio incl. Stage 1 and 2 23 2.1% 1.9% 1.8% 1.7% 51.6% 48.4% 50.2% 49.8% 1.0%0.0% 100.0% 3.5% 3.2% 2.9% 3.0% 39.4% 30.2% 32.1% 31.5% 1.0%0.0% 50.0% 1.6% 1.5% 1.6% 1.7% 69.0% 72.5% 70.7% 73.7% 1.0%0.0% 100.0% 1.7% 1.7% 1.7% 1.7% 66.2% 65.3% 65.7% 66.3% 1.0%0.0% 100.0% 1.3% 1.2% 1.1% 1.0% 56.7% 57.5% 59.8% 59.1% 1.0%0.0% 100.0% in EUR mn Q3/2025 ∆ q-o-q Q3/2025 NPE stockQ4/2024 Q1/2025 Q2/2025 743 2.6% Central Europe CE 609 -2.3% Southeastern Europe SEE 282 -2.1% Eastern Europe EE 1,602 1.4% Group Corporates & Markets GC&M 3,395 0.2% RBI Group NPE coverage ratio NPE ratio 4.4% 4.0% 3.7% 3.3% 82.5% 82.5% 86.2% 85.1% 0.0%0.0% 159 -7.4% Ukraine Ukraine
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 October 2025
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Geographic Footprint 30 October 2025 Note: Ranking based on the latest data available on loans to customers. 25 Central Europe (CE) Eastern Europe (EE) Leading regional player with CEE presence of over 30 years servicing approx. 18 million customers Covering Austria and 11 CEE markets, of which five are EU members. Four countries have candidate status. Top 5 market position in 9 countries Strong market position with Austrian corporates focusing on CEE Ukraine, #4 ▪ Loans: EUR 1.6 bn ▪ Business outlets: 290 Russia, #18 ▪ Loans: EUR 4.5 bn ▪ Business outlets: 68 Southeastern Europe (SEE) Ukraine Austria, #2 ▪ Loans: EUR 36.4 bn Czech Republic, #5 ▪ Loans: EUR 19.0 bn ▪ Business outlets: 127 Hungary, #6 ▪ Loans: EUR 5.2 bn ▪ Business outlets: 68 Slovakia, #3 ▪ Loans: EUR 15.7 bn ▪ Business outlets: 140 Croatia, #6 ▪ Loans: EUR 3.8 bn ▪ Business outlets: 67 Kosovo, #1 ▪ Loans: EUR 1.3 bn ▪ Business outlets: 37 Bosnia & Herzeg., #2 ▪ Loans: EUR 1.7 bn ▪ Business outlets: 85 Albania, #2 ▪ Loans: EUR 1.4 bn ▪ Business outlets: 76 Romania, #4 ▪ Loans: EUR 9.6 bn ▪ Business outlets: 272 Serbia, #6 ▪ Loans: EUR 3.3 bn ▪ Business outlets: 104
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Raiffeisen Banking Group Structure Raiffeisen Banking Group (RBG) – largest banking group in Austria with total assets of EUR 405 bn as of 31/12/2024 Solid funding profile of RBG based on a domestic market share of around 34% of total customer deposits, not least due to superior brand recognition Three-tier structure of RBG: 1st tier 275 independent cooperative Raiffeisen banks focusing on retail banking. They hold shares in: 2nd tier: 8 independent regional Raiffeisen banks focusing on corporate and retail banking. They hold approx. 61.2% of the share capital of: 3rd tier: Raiffeisen Bank International AG RBG’s Institutional Protection Schemes (IPS): Protection schemes designed pursuant to CRR to ensure the liquidity and solvency of participating members. RBI and all Raiffeisen banks have formed a new IPS, merging the former regional and federal schemes Central Europe 8 Regional Raiffeisen Banks Free Float 61.2% 38.8% 275 Raiffeisen Banks (~1,500 outlets) Southeastern Europe Eastern Europe Group Corporates & Markets Corporate Center 30 October 2025 Ukraine 26
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Q3/2025 Income Statement and KPIs 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income 2.93% Net interest margin Q3/2025 q-o-q -7 bps Cost/income ratio Q3/2025 44.0% q-o-q -0.2 pp % y-o-y % q-o-q Q3/2025(in EUR mn) Net interest income 1,459 -1% +2% Net fee and commission income 679 -1% +4% Operating income 2,254 -3% +3% Staff expenses -574 -3% +9% Operating result 1,249 -3% +2% Other result -62 -96% -62% Consolidated profit 778 - +3% Other operating components1 73 +41% +5% Net trading income & fair value result 44 -62% +37% Other administrative expenses -308 -4% -1% Depreciation -123 -0% +6% General administrative expenses -1,005 -3% +6% Impairment losses on financial assets -44 -34% -13% Gov. measures & compulsory contributions +20%-51 +73% … … … … 30 October 2025 27 Consolidated return on equity Q3/2025 16.6% q-o-q +8.5 pp
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Q3/2025 Income Statement and KPIs Adjusted excluding Russia 2.30% Net interest margin Q3/2025 q-o-q +2 bps Q3/2025 50.9% q-o-q -1.8 pp % y-o-y % q-o-q Q3/2025(in EUR mn) Net interest income 1,056 +3% +4% Net fee and commission income 505 +1% +11% Operating income 1,622 -1% +4% Staff expenses -443 -4% +8% Operating result 785 +3% +5% Other result -65 -61% -61% Consolidated profit 460 +50% +50% Other operating components1 74 +44% -1% Net trading income & fair value result -12 - - Other administrative expenses -286 -5% -1% Depreciation -109 -0% +3% General administrative expenses -837 -4% +4% Impairment losses on financial assets -12 -80% -84% Gov. measures & compulsory contributions +23%-46 +104% … … … … 30 October 2025 14.0% q-o-q +5.0 pp Consolidated return on equity Q3/2025 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income Cost/income ratio 28
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Total Exposure 30 October 2025 29 Total exposure by segments – Q3/2025 in EUR bn, % q-o-q … by sector – Q3/2025 in EUR bn CRE – Sectors (GICs) EUR 14 bn CRE - Country of risk Czechia 24% Austria 23% Slovakia 17% Germany 12% Romania 8% Hungary 6% Russia 2% Other 8% Residential 28% Office 21% Retail 15% Industrial 10% Diversified 8% Hotels & Resorts 6% Real Estate Development 3% Operating 5% Other 3% -0.0%+3.6% 85.6 44.4 26.0 14.3 1.0 46.4 20.3 8.9 8.4 3.4 3.5 1.8 5.5 16.6 CZ SK HU PL RO HR RS BH AL KO UA RU GC&M +1% SEE +3.2% Ukraine 97.9 EUR 252 bn +3.3% q-o-q EE CE +6.8% 12 7 2 13 14 14 9 24 29 74 23 30 Other Utilities Energy Consumer cyclical Real estate Consumer non-cyclical Materials Industrials Financial institutions Sovereigns & supranationals Consumer & Other Loans Mortgages Retail Corporate Sov. & FI 39% 21% 40%
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CET1 Ratio Development – RBI Group 30 October 2025 18.2% 18.2% Transitional (including results) 30/09/2025 30/06/2024 q-o-q +1 bps - -31 bps Credit risk Core Group Retained earnings +45 bps Operational & Market risk -4 bps OCI, valuation & other effects +5 bps Other credit risk -1 bps FX -13 bps - + 30 - - + -
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1.7 0.0 0.2 -0.6 97.5 96.1 Q3/2025 RWA Development – RBI Group 30 October 2025 30/06/2025 30/09/2025 FX Market risk Operational risk RWA in EUR bn Credit risk RBI Group including Russia 31
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Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q3/2025 Segments Overview 4,176 4,926 4,722 4,546 11.69% 10.37% 10.08% 9.48% 1.00% - 10,000 37,836 38,309 39,527 40,828 2.57% 2.57% 2.36% 2.39% 0.00% 5.00% 20,000 40,000 Q3/25 +4% -5% 10 bps q-o-q +7% -9% Q3/25Q1/25Q4/24 Q3/25 275 bps q-o-qQ3/25 177 419NII Net Fees 596 q-o-q 576 174 402 20,583 20,480 20,418 21,080 3.99% 3.80% 3.78% 3.86% 0.00% 5.00% 10.00% 11,000 21,000 152 170 8 bps +23 bps EUR 186 mn +117% -0%150 354 +2% EUR 239 mn EUR 319 mn EUR 81 mn -35 bps +231 bps -28 bps +13% - -23% (in EUR mn) Q2/25 36,003 36,238 36,427 35,324 1.34% 1.21% 1.24% 1.12% -2.00% 3.00% 25,000 30,000 35,000 40,000 41 bps +3% -11% 30 October 2025 503 322 CE SEE EE Ukraine GC&M 12 101 EUR 54 mn -243 bps +1% 1,385 1,486 1,436 1,575 8.73% 8.86% 8.93% 8.91% 0.00% 10.00% 20.00% - 1,000 -429 bps -47% +1% 114 32
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Raiffeisen Capital Management 30 October 2025 EUR 65 bn FY/22 FY/23 FY/24 H1/25 60 72 90 46 117 122 126 61 177 194 217 107 Raiffeisen Capital Management Local Asset Management Units 33 42 54 27 40 35 35 13 73 77 89 40 AUM Net revenues in EUR mn Net profit after tax in EUR mn 71% 29% Business line Retail 59% Institutional 41% 41% ESG Strategy Pulse-Check Raiffeisen Capital Management is the leading asset management company in Austria. The aim is to deliver attractive capital market returns and asset growth via responsible investments and a strong funds distribution network in Central- and Eastern Europe 2025 priorities for Raiffeisen Capital Management: Digitization of discretionary portfolio management plus simplification of digital end2end public funds distribution, continuation of digital development of Institutional Investors Portal Private markets Go-Live as additional asset class with Private Infrastructure Dedicated Focus on regional Institutional and Corporate Investors, on Private Banking with selected focus products and on Fund Saving Plans (more than 890.000) in Austria and CEE Develop further our passive Product Universe such as the ETF Fund of Fund (index selection equity) and the “Ratio Funds” One of the leading asset managers in Central Europe, a 100% owned subsidiary of RBI celebrating 40 years anniversary in 2025 since foundation The distribution spans over 20 markets and on top, RCM serves as the Centre of Competence for RBI Group (Local) Asset Management in 8 markets contributing to RBI Group’ regional footprint Next to capital markets performance, one of our core believes is Customer centricity across all customer segments building on “customer experience”, “accessibility” and “expertise” 325 employees with passion, thereof 68 investment professionals and 59 sales representatives, on Group Asset Management level 549 employees, including 113 investment professionals 33
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Corporate Center/Reconciliation 30 October 2025 34 Following items are reported in Reconciliation: ▪ Reconciliation comprises consolidation adjustments to reconcile segments with Group results ▪ The financials of the reportable segments are shown after intra-segment items have been eliminated. However, the inter-segment items are consolidated and eliminated in the Reconciliation ▪ The main consolidation bookings carried out between segments are dividend payments to the head office, inter-segment revenues charged, and expenses carried by the head office ▪ All other consolidation bookings that reconcile the totals of reported segments’ profit or loss with the RBI Group financials are also eliminated in the Reconciliation ▪ Offsetting of intra-Group charges resulting in a reduction of operating income and general admin. expenses in the Reconciliation Following business areas are managed and reported in Corporate Center: ▪ The expenses related to the shared Group-wide service and control function of the head office in the areas: risk management, finance, legal, funding, capital and asset liability management (ALM), information technology, human resources ▪ The results from equity participation management related to dividends received and funding of network units ▪ The results from head office treasury that are not allocated to regional or functional segments from ALM as well as liquidity and liability management ▪ The result of business with special customers In EUR mn 1-9/2025 1-9/2024 y-o-y Operating income 1,362 1,105 23.2% General admin. expenses (347) (360) (3.4%) Operating result 1,014 746 36.0% Other result (13) (45) (71.5%) Governmental measures and compulsory contributions (23) (7) 231.3% Impairment losses on financial assets 47 17 172.6% Profit/loss before tax 1,026 711 44.3% Profit/loss after tax 1,064 772 37.7% In EUR mn Q3/2025 Q2/2025 q-o-q Operating income 118 297 (60.2%) General admin. expenses (105) (125) (16.0%) Operating result 13 172 (92.3%) Other result (24) 3 – Governmental measures and compulsory contributions (8) (7) 14.8% Impairment losses on financial assets 34 10 235.6% Profit/loss before tax 16 179 (91.3%) Profit/loss after tax 33 198 (83.4%) In EUR mn 1-9/2025 1-9/2024 y-o-y Operating income (1,473) (1,205) 22.3% General admin. expenses 150 149 0.8% Operating result (1,324) (1,056) 25.3% Other result 28 (2) – Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (9) 5 – Profit/loss before tax (1,304) (1,054) 23.7% Profit/loss after tax (1,302) (1,053) 23.6% In EUR mn Q3/2025 Q2/2025 q-o-q Operating income (141) (340) (58.5%) General admin. expenses 51 51 0.8% Operating result (90) (290) (68.8%) Other result 27 0 >500,0% Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (0) 0 – Profit/loss before tax (63) (290) (78.2%) Profit/loss after tax (66) (288) (77.3%)
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Equity Overview 30 October 2025 35 Earnings per share down EUR 3.53 (1-9/2025: EUR 2.56 vs. 1-9/2024: EUR 6.09) A dividend of EUR 1.10 per share for the 2024 financial year was approved at the Annual General Meeting on 26th March 2025 Book value per share EUR 57.25 at 30/9/2025 (EUR 52.59 at 31/12/2024 resp. EUR 55.42 at 30/9/2024) Total comprehensive income of EUR 2,132 mn (1-9/2024: EUR 1,833 mn) impacted by profit after tax (EUR 1,115 mn), exchange differences (EUR 906 mn, driven by RUB), cash-flow hedge (EUR 145 mn, driven by Russia), fair value changes of financial assets (EUR 28mn, driven by Ukraine), deferred taxes (minus EUR 46 mn, driven by Russia) and from net investment hedge (minus EUR 11mn, driven by CZK) In EUR mn Subscribed capital Capital reserves Retained earnings Cumulative other comprehensive income Consolidated equity Non- controlling interests Additional tier 1 Total Equity Equity as at 1/1/2025 1,002 4,990 16,213 (4,905) 17,299 1,260 1,781 20,340 Capital increases 0 0 0 0 0 (0) 129 129 AT1 capital dividend 0 0 (64) 0 (64) 0 64 0 Dividend payments 0 0 (361) 0 (361) (128) (64) (553) Own shares (0) (1) 0 0 (1) 0 7 6 Other changes 0 0 30 (11) 19 8 10 36 Total comprehensive income 0 0 926 1,013 1,940 193 0 2,132 Equity as at 30/9/2025 1,001 4,989 16,745 (3,903) 18,832 1,332 1,927 22,091
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Consolidated RoE Calculation excl. Russia – Overview 30 October 2025 Average equity excl. Russia FY/2024 1-9/2025 FY/2025 (guidance) AT1 coupons (annualized) Annualized adjusted consolidated profit minus AT1 coupons used in calculation … provisions for FX loans in Poland Consolidated RoE – excl. Russia Consolidated RoE – excl. Russia and Poland EUR 109 mn EUR 11,820 mn 7.3% EUR 12,543 mn EUR 112 mn Reported consolidated RoE uses the average of monthly equity, excluding profit year-to-date EUR 866 mn EUR 1,257 mn 10.0% EUR 120 mn 36 13.3% 13.5% around 10% EUR 649 mn … legal cost for FX loans in Poland EUR 64 mn EUR 295 mn* EUR 36 mn* Consolidated Profit EUR 975 mn EUR 1,026 mn EUR ~12,5 bn (assumed) EUR ~310 mn (guidance) EUR ~60 mn (guidance) around 13% The AT1 coupons are deducted from the reported consolidated profit * EUR 391 mn and EUR 47 mn when annualized for RoE calculation
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Regulatory Capital Structure - Overview 30 October 2025 37 in EUR mn 30/9/2025 30/6/2025 31/3/2025 Common equity tier 1 (before deductions) 18,137 18,329 18,230 Deduction items (844) (862) (805) Common equity tier 1 (after deductions) 17,293 17,468 17,425 Additional tier 1 (after deductions) 1,680 1,680 1,679 Tier 1 (after deductions) 18,974 19,148 19,104 Tier 2 (after deductions) 2,257 2,286 2,226 Total capital 21,231 21,434 21,330 Risk-weighted assets (total RWA) 97,524 96,086 95,027 Common equity tier 1 ratio (transitional - incl. result) 18.2% 18.2% 18.8% Tier 1 ratio (transitional - incl. result) 19.9% 19.9% 20.6% Total capital ratio (transitional - incl. result) 22.2% 22.3% 22.9% Leverage ratio (transitional) 7.9% 8.3% 8.1% Leverage exposure (total) 241,150 231,138 236,271
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Maturity Profile 30 October 2025 38 174 1,350 3,362 2,022 1,179 1,998 607 522 22 606 10 1,000 500 1,953 152 311 302 2025 23 2026 31 2027 2028 2029 2030 2031 2032 2033 6 2034 2035 >2035 174 1,374 3,393 2,173 1,179 2,309 909 1,522 522 6 606 1,963 Senior placements Subordinated Additional Tier 1 Other Maturity Profile at 30/9/2025 (in EUR mn)
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AT1 and Subordinated Instruments 30 October 2025 39 Issuer Regulatory Treatment 1 Capital Recognition ISIN Initial Coupon Reset Coupon Nominal outstanding Issuance date First Call Date Call period Maturity Raiffeisen Bank International AG Additional Tier 12 0%2 XS1756703275 6.089% 5Y EUR ms + 3.88% EUR 303 mn 24 Jan 2018 15 Jun 2025 Semi-annual Perpetual Raiffeisen Bank International AG Additional Tier 1 100% XS2207857421 6.000% 5Y EUR ms + 6.45% EUR 500 mn 29 Jul 2020 15 Jun 2026 Semi-annual Perpetual Raiffeisen Bank International AG Additional Tier 1 100% XS2785548053 7.375% 5Y EUR ms + 5.23% EUR 650 mn 25 Nov 2024 15 Jun 2030 Semi-annual Perpetual Raiffeisen Bank International AG Additional Tier 1 100% XS3028073701 6.375% 5Y EUR ms + 4.09% EUR 500 mn 17 Sep 2025 15 Dec 2031 Semi-annual Perpetual Raiffeisen Bank International AG Tier 2 100% XS2904849879 5.250% 5Y EUR ms + 3.10% EUR 500 mn 02 Oct 2024 02 Jan 2030 NA 02 Jan 2035 Raiffeisen Bank International AG Tier 2 100% XS2189786226 2.875% 5Y EUR ms + 3.15% EUR 500 mn 18 Jun 2020 18 Jun 2027 NA 18 Jun 2032 Raiffeisen Bank International AG Tier 2 100% XS2353473692 1.375% 5Y EUR ms + 1.6% EUR 500 mn 17 Jun 2021 17 Mar 2028 NA 17 Jun 2033 Raiffeisen Bank International AG Tier 2 100% XS2534786590 7.375% 5Y EUR ms +5.2% EUR 500 mn 20 Sep 2022 20 Dec 2027 NA 20 Dec 2032 ▪ All Tier 2 capital outstanding is CRD IV compliant and thus any Tier 2 grandfathering cap is not relevant in this case ▪ Overview only includes subordinated instruments with outstanding nominal amount > EUR 150 mn 1 Transitional and post-transitional CRR rules 2 Liability management of existing AT1 (XS1756703275). Original outstanding EUR 500m; Remaining AT1 volumes after LM of EUR 303 mn. Execution of call on 15th of December 2025 as communicated on 21st of October 2025
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Liquidity Stress Test in Head Office 30 October 2025 40 7,174 7,272 6,685 6,778 7,052 6,556 6,552 6,524 6,344 5,598 1,681 1,498 1,235 1,225 1,123 1,020 1,005 931 948 1,025 8,566 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 30d 60d 90d 4m 5m 6m 7m 8m 9m 12m Net liquidity position in severe name crisis scenario is positive, with EUR >5 bn in the liquidity position after 12 months (and USD >1 bn) Severe name crisis scenario: Assumptions – liabilities: On Demand Deposits from customers and banks: 100% outflow in day-one Term deposits: 100% outflow at maturity, no rollover (paid back according to contractual maturities) All wholesale funding repaid according to the contractual maturities No new short-term or long-term funding Assumptions – assets: Loans to customers: term-loans repaid according to maturity and no assumed repayment from loans without maturity (overdrafts etc..) Loans to banks: term-loans are paid back according to maturity No new business Day-one counterbalancing capacity of EUR ~20 bn (Eligible collateral) in EUR / USD mn EUR - Net liquidity position USD - Net liquidity position LCR: HQLA EUR mn amount above the 100% regulatory requirement
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The Institutional Protection Scheme (IPS) Assistance will still be split between regional and federal levels: If RBI required support, this would be provided by the Raiffeisen Landesbanks. If a Landesbank were to require assistance, Raiffeisenbanks in the respective region would be called on first, followed by the other Landesbanks and RBI Financial support is provided prior to resolution and may take various forms, including loans, liquidity, guarantees and capital IPS members contribute to an ex-ante fund and make ex-post contributions if necessary If needed, the risk council must decide on additional ex-post contributions. These may be up to 100% of total capital in excess of the minimum regulatory requirement plus a cushion of 10% for all members RBI’s contribution to the IPS fund was EUR 89 mn in 2022, and EUR 18 mn in 2024 The IPS fund’s target volume is EUR 1,126 mn based on FY/2024 figures. The fund size at Q3/2025 was EUR 1,143 mn. RBI’s share of the IPS fund amounts to EUR 540 mn 1 2 3 RBI AG and its Austrian subsidiaries are members of the Raiffeisen IPS The IPS supports members if needed to ensure solvency and liquidity IPS serves as capital cushion and source of liquidity to its members. Uniform and joint monitoring ensures the early identification of potential risks The Raiffeisen IPS is recognized as a deposit guarantee system RBI and the Raiffeisen banks have formed an IPS, merging the former regional and federal schemes The ECB and the Austrian Financial Market Authority approved the IPS in May 2021 The Raiffeisen IPS was approved as a deposit guarantee system in May 2021 30 October 2025 Fund size Contributions IPS structure approved in May 2021 Support mechanism R-IPS IPS are subject to regulations set out in the CRR, regular financial reporting requirements and regulatory oversight 41
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Bank Levies 30 October 2025 Special taxes for banks (“windfall taxes”) are partially booked as part of income taxes (Czech Republic, Slovakia, Ukraine, and Russia). 42 FY 2024 1-9/2025 FY 2025e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 23 56 ~76 Hungary In 2024 under HUF 20 billion it was 13% above 20 billion it was 30%, in 2025 under HUF 20 billion tax rate is 7%, above 18% 63 55 ~55 Poland Bank levy of 0.44%, based on total assets less PLN 4 bn flat amount, own funds and treasury securities. 2 2 ~3 Romania Bank levy based on bank’s turnover defined as operating income excluding interest expense and fee and commission expense. Tax rate of 2% in 2024 and 2025, followed by a tax rate of 1% starting with 2026. 24 28 ~40 Total Bank levies 112 141 ~174 Austria 0 0 ~0 Albania 1 2 ~2 Czech Republic 8 2 ~2 Hungary 2 3 ~3 Romania 4 4 ~4 Slovakia 0 0 ~0 Total Resolution fund 15 11 ~11 Based on total assets less equity and secured deposits Full amounts always booked in the first quarter according to IFRIC 21 Impact in EUR mn
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NPE and NPL Distribution by Country 30 October 2025 43 In EUR mn NPE Stock NPE Ratio NPE Ratio NPE Coverage Ratio NPE Coverage Ratio NPL Ratio NPL Ratio NPL Coverage Ratio NPL Coverage Ratio 30/9/2025 30/9/2025 31/12/2024 30/9/2025 31/12/2024 30/9/2025 31/12/2024 30/9/2025 31/12/2024 Czech Republic 286 0.8% 0.9% 51.2% 50.4% 0.9% 1.1% 51.2% 50.4% Hungary 86 0.7% 1.3% 47.2% 41.0% 1.0% 2.0% 45.7% 40.2% Poland 93 5.4% 9.1% 88.4% 81.9% 5.4% 9.1% 88.4% 81.9% Slovakia 278 1.3% 1.3% 61.1% 59.2% 1.7% 1.6% 61.1% 59.2% Central Europe 743 1.0% 1.3% 59.1% 56.7% 1.3% 1.6% 59.1% 56.7% Albania 74 2.3% 2.6% 73.4% 74.1% 3.6% 4.1% 73.4% 74.1% Bosnia & Herzegovina 59 2.0% 2.2% 77.0% 72.0% 2.3% 2.4% 77.0% 72.0% Croatia 127 1.7% 1.7% 63.6% 62.0% 2.3% 2.3% 63.6% 62.0% Kosovo 49 3.4% 2.4% 68.8% 74.1% 3.4% 2.9% 68.8% 74.1% Romania 232 1.5% 1.5% 62.6% 65.2% 2.0% 1.9% 62.6% 65.2% Serbia 68 1.3% 1.4% 65.2% 60.2% 1.3% 1.6% 65.2% 60.2% Southeastern Europe 609 1.7% 1.7% 66.3% 66.2% 2.1% 2.1% 66.3% 66.2% Russia 282 1.7% 1.6% 73.7% 69.0% 1.7% 1.6% 73.7% 69.0% Eastern Europe 282 1.7% 1.6% 73.7% 69.0% 1.7% 1.6% 73.7% 69.0% Ukraine 159 3.3% 4.4% 85.1% 82.5% 4.5% 5.8% 85.1% 82.5% GC&M 1,602 3.0% 3.5% 31.5% 39.4% 3.1% 3.6% 31.5% 39.4% Total RBI Group 3,395 1.7% 2.1% 49.8% 51.6% 2.2% 2.5% 49.8% 51.6%
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RBI Group 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining 44 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 1,459 1,468 (0.6%) 1,504 1,511 1,430 4,431 4,269 3.8% 5,779 Net fee and commission income 679 685 (0.9%) 668 668 650 2,032 1,970 3.2% 2,638 Net trading income and fair value result 44 114 (62.0%) 56 36 32 213 75 183.0% 111 Other net operating income 51 27 92.3% 27 (1) 36 104 85 23.0% 84 Operating income 2,254 2,319 (2.8%) 2,269 2,205 2,181 6,842 6,496 5.3% 8,701 General administrative expenses (1,005) (1,038) (3.1%) (995) (948) (952) (3,038) (2,839) 7.0% (3,786) Operating result 1,249 1,281 (2.5%) 1,274 1,258 1,229 3,803 3,657 4.0% 4,915 Other result (62) (1,435) (95.7%) (65) (1,032) (164) (1,562) (558) 180.0% (1,590) Gov. measures and compulsory contrib. (51) (43) 19.7% (121) (26) (30) (216) (190) 13.8% (216) Impairment losses on financial assets (44) (66) (33.6%) (43) (13) (51) (153) (112) 37.5% (125) Profit/loss before tax 1,092 (263) – 1,044 186 985 1,872 2,798 (33.1%) 2,984 Profit/loss after tax from continuing op. 847 (495) – 763 (95) 771 1,115 2,126 (47.6%) 2,031 Profit/loss after tax 847 (495) – 763 (895) 817 1,115 2,253 (50.5%) 1,358 Consolidated profit/loss 778 (557) – 705 (926) 758 926 2,083 (55.5%) 1,157 Return on equity before tax1 20.9% 13.1% 7.8 PP 19.9% 0.4% 18.2% 13.9% 19.1% (5.2 PP) 15.4% Return on equity after tax1 16.2% 8.7% 7.5 PP 14.5% – 16.9% 9.1% 15.4% (6.3 PP) 9.7% Consolidated return on equity 16.6% 8.0% 8.5 PP 15.0% – 17.7% 8.5% 15.9% (7.4 PP) 9.4% Net interest margin1 2.93% 3.00% (0.07 PP) 3.06% 3.13% 2.93% 2.99% 2.93% 0.06 PP 2.98% Cost/income ratio 44.0% 44.2% (0.2 PP) 43.3% 42.3% 43.3% 43.8% 43.3% 0.5 PP 43.0% Loan/deposit ratio 83.2% 82.9% 0.3 PP 82.9% 82.7% 83.9% 83.2% 83.9% (0.7 PP) 82.7% Provisioning ratio1 0.13% 0.24% (0.11 PP) 0.18% 0.02% 0.29% 0.18% 0.28% (0.10 PP) 0.22% NPE ratio 1.7% 1.8% (0.1 PP) 1.9% 2.1% 2.0% 1.7% 2.0% (0.2 PP) 2.1% NPE coverage ratio 49.8% 50.2% (0.4 PP) 48.4% 51.6% 51.8% 49.8% 51.8% (2.0 PP) 51.6% Total assets 209,110 203,507 2.8% 204,794 199,851 205,981 209,110 205,981 1.5% 199,851 RWA 97,524 96,086 1.5% 95,027 95,600 97,736 97,524 97,736 (0.2%) 95,600 Equity 22,091 21,174 4.3% 21,842 20,340 21,142 22,091 21,142 4.5% 20,340 Loans to customers 103,027 102,202 0.8% 100,979 99,551 100,105 103,027 100,105 2.9% 99,551 - Hereof non-financial corporations %2 44.7% 44.8% (0.1 PP) 45.3% 45.5% 45.6% 44.7% 45.6% (0.9 PP) 45.5% - Hereof households %2 41.6% 40.9% 0.7 PP 40.4% 40.3% 39.9% 41.6% 39.9% 1.7 PP 40.3% - Hereof FCY % – – – – – – – – – – Deposits from customers 125,284 121,440 3.2% 119,984 117,717 120,300 125,284 120,300 4.1% 117,717 Business outlets 1,352 1,368 (1.2%) 1,386 1,391 1,471 1,352 1,471 (8.1%) 1,391 Number of employees 42,581 42,765 (0.4%) 42,948 42,564 44,535 42,581 44,535 (4.4%) 42,564 Number of customers (in mn) 18.2 18.1 0.8% 18.0 17.9 18.7 18.2 18.7 (2.6%) 17.9 In EUR mn
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RBI Core Group – excl. Russia and Belarus 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 3) According to segment view 45 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 1,056 1,027 2.8% 1,046 1,042 1,019 3,129 3,113 0.5% 4,155 Net fee and commission income 505 502 0.5% 466 497 456 1,473 1,348 9.3% 1,845 Net trading income and fair value result (12) 59 – (27) 41 3 19 20 (5.3%) 61 Other net operating income 52 26 97.8% 28 (2) 38 107 96 11.3% 95 Operating income 1,622 1,639 (1.0%) 1,529 1,568 1,553 4,790 4,675 2.5% 6,243 General administrative expenses (837) (874) (4.2%) (850) (906) (804) (2,562) (2,404) 6.5% (3,311) Operating result 785 765 2.6% 678 662 749 2,228 2,271 (1.9%) 2,933 Other result (65) (166) (60.6%) (66) (196) (166) (298) (552) (46.1%) (748) Gov. measures and compulsory contrib. (46) (37) 23.3% (116) (21) (23) (199) (165) 21.1% (185) Impairment losses on financial assets (12) (62) (79.8%) (46) (130) (76) (120) (157) (23.4%) (287) Profit/loss before tax 661 500 32.1% 450 315 485 1,611 1,397 15.3% 1,712 Profit/loss after tax from continuing op. 528 369 43.0% 318 155 361 1,215 1,003 21.2% 1,158 Profit/loss after tax 528 369 43.0% 318 155 361 1,215 1,003 21.2% 1,158 Consolidated profit/loss 460 307 49.9% 260 128 307 1,027 847 21.2% 975 Return on equity before tax1 17.3% 13.1% 4.3 PP 11.4% 2.9% 13.2% 13.9% 12.7% 1.2 PP 10.4% Return on equity after tax1 13.9% 9.6% 4.2 PP 8.1% 4.0% 9.8% 10.5% 9.2% 1.3 PP 8.0% Consolidated return on equity 14.0% 8.9% 5.0 PP 7.3% 3.1% 9.3% 10.0% 8.6% 1.4 PP 7.3% Net interest margin1 2.30% 2.27% 0.02 PP 2.31% 2.32% 2.28% 2.29% 2.33% (0.04 PP) 2.33% Cost/income ratio 50.9% 52.6% (1.8 PP) 55.0% 57.2% 51.3% 52.8% 50.9% 1.8 PP 52.5% Loan/deposit ratio 88.5% 88.3% 0.2 PP 88.4% 87.2% 90.0% 88.5% 90.0% (1.5 PP) 87.2% Provisioning ratio1 0.01% 0.23% (0.22 PP) 0.20% 0.42% 0.30% 0.14% 0.22% (0.08 PP) 0.27% NPE ratio 1.7% 1.8% (0.1 PP) 1.9% 2.1% 2.0% 1.7% 2.0% (0.2 PP) 2.1% NPE coverage ratio 47.7% 48.3% (0.7 PP) 46.3% 50.4% 49.9% 47.7% 49.9% (2.2 PP) 50.4% Total assets 192,826 187,704 2.7% 187,535 184,961 188,003 192,826 188,003 2.6% 184,961 RWA3 78,639 76,441 2.9% 74,430 78,325 78,996 78,639 78,996 (0.5%) 78,325 Equity 16,716 15,823 5.6% 15,730 15,446 15,466 16,716 15,466 8.1% 15,446 Loans to customers 98,481 97,480 1.0% 96,053 95,363 94,864 98,481 94,864 3.8% 95,363 - Hereof non-financial corporations %2 45.6% 45.8% (0.2 PP) 46.1% 46.0% 45.8% 45.6% 45.8% (0.2 PP) 46.0% - Hereof households %2 41.5% 40.8% 0.7 PP 40.3% 40.1% 39.6% 41.5% 39.6% 1.8 PP 40.1% - Hereof FCY % – – – – – – – – – – Deposits from customers 115,131 110,764 3.9% 109,314 108,205 107,416 115,131 107,416 7.2% 108,205 Business outlets 1,284 1,294 (0.8%) 1,303 1,302 1,307 1,284 1,307 (1.8%) 1,302 Number of employees 33,967 34,108 (0.4%) 34,202 33,701 33,575 33,967 33,575 1.2% 33,701 Number of customers (in mn) 15.3 15.1 1.4% 14.9 14.7 14.5 15.3 14.5 5.8% 14.7 In EUR mn
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Country Financials (CE) – Czech Republic Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 30 October 2025 46 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 175 165 5.8% 165 169 151 505 453 11.5% 622 Net fee and commission income 58 52 10.9% 47 49 45 157 130 20.4% 179 Net trading income and fair value result 3 6 (47.7%) 6 2 10 15 15 5.8% 16 Other net operating income 7 3 97.6% 5 5 3 16 8 102.9% 13 Operating income 242 226 6.9% 222 225 207 690 606 13.9% 831 General administrative expenses (107) (103) 4.5% (100) (98) (97) (310) (289) 7.2% (387) Operating result 134 124 8.8% 122 128 110 380 316 20.1% 444 Other result 0 1 (96.9%) (0) (0) (0) 1 0 149.3% 0 Gov. measures and compulsory contrib. (0) 2 – (10) 0 0 (9) (14) (35.7%) (14) Impairment losses on financial assets 3 6 (56.9%) (2) (13) (2) 7 (2) – (16) Profit/loss before tax 137 132 3.5% 110 114 108 379 301 26.1% 415 Profit/loss after tax 116 111 5.0% 89 106 93 316 246 28.4% 353 Return on equity before tax1 23.5% 23.6% (0.1 PP) 18.4% 20.1% 19.8% 22.3% 18.7% 3.6 PP 19.5% Return on equity after tax1 20.0% 19.7% 0.2 PP 15.0% 18.7% 17.0% 18.6% 15.3% 3.3 PP 16.6% Net interest margin1 1.94% 2.00% (0.06 PP) 2.08% 2.15% 1.94% 2.00% 1.99% 0.01 PP 2.04% Cost/income ratio 44.4% 45.4% (1.0 PP) 45.1% 43.2% 46.6% 44.9% 47.7% (2.8 PP) 46.5% Loan/deposit ratio 67.3% 68.5% (1.2 PP) 69.9% 71.3% 75.3% 67.3% 75.3% (8.0 PP) 71.3% Provisioning ratio1 (0.05%) (0.14%) 0.09 PP 0.04% 0.31% 0.03% (0.05%) 0.02% (0.08 PP) 0.10% NPE ratio 0.8% 0.8% (0.0 PP) 0.9% 0.9% 0.9% 0.8% 0.9% (0.1 PP) 0.9% NPE coverage ratio 51.2% 53.4% (2.1 PP) 51.9% 50.4% 51.6% 51.2% 51.6% (0.3 PP) 50.4% Total assets 38,095 34,343 10.9% 32,958 31,995 32,955 38,095 32,955 15.6% 31,995 RWA 10,947 10,581 3.5% 10,483 11,041 10,973 10,947 10,973 (0.2%) 11,041 Equity 2,486 2,404 3.4% 2,290 2,420 2,320 2,486 2,320 7.1% 2,420 Loans to customers 19,036 18,453 3.2% 17,930 17,805 17,752 19,036 17,752 7.2% 17,805 - Hereof non-financial corporations %2 35.7% 36.5% (0.8 PP) 37.0% 37.2% 37.8% 35.7% 37.8% (2.1 PP) 37.2% - Hereof households %2 59.9% 59.1% 0.9 PP 58.7% 58.1% 57.4% 59.9% 57.4% 2.5 PP 58.1% - Hereof FCY % 21.7% 23.0% (1.3 PP) 24.2% 25.1% 23.9% 21.7% 23.9% (2.2 PP) 25.1% Deposits from customers 32,332 28,560 13.2% 27,019 26,131 26,743 32,332 26,743 20.9% 26,131 Business outlets 127 127 0.0% 127 127 127 127 127 0.0% 127 Number of employees 3,773 3,723 1.3% 3,708 3,667 3,650 3,773 3,650 3.4% 3,667 Number of customers (in mn) 2.5 2.4 1.6% 2.4 2.2 2.2 2.5 2.2 10.8% 2.2 In EUR mn
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Country Financials (CE) – Hungary 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 47 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 102 92 10.4% 118 109 113 312 363 (14.2%) 472 Net fee and commission income 68 68 (0.6%) 67 66 58 203 166 22.3% 232 Net trading income and fair value result (2) 7 – (14) 7 (9) (9) (31) (72.0%) (24) Other net operating income 1 1 108.8% 0 2 2 2 (2) – (1) Operating income 171 169 1.4% 171 186 164 510 510 (0.0%) 697 General administrative expenses (87) (87) 0.3% (82) (95) (80) (256) (218) 17.5% (313) Operating result 84 82 2.6% 89 91 83 254 293 (13.0%) 384 Other result (1) (2) (63.6%) 0 (2) 0 (3) (3) 3.2% (5) Gov. measures and compulsory contrib. (1) (1) 39.4% (57) (0) (1) (60) (68) (12.9%) (68) Impairment losses on financial assets (1) 15 – 9 (1) 15 23 34 (32.5%) 34 Profit/loss before tax 80 94 (14.5%) 42 88 98 216 256 (15.8%) 344 Profit/loss after tax 69 81 (14.6%) 33 76 86 182 221 (17.6%) 297 Return on equity before tax1 32.9% 41.2% (8.3 PP) 15.0% 32.7% 38.8% 29.3% 33.9% (4.6 PP) 35.2% Return on equity after tax1 28.2% 35.4% (7.2 PP) 11.8% 28.2% 34.1% 24.8% 29.3% (4.5 PP) 30.4% Net interest margin1 3.37% 3.15% 0.22 PP 4.08% 3.82% 3.90% 3.53% 4.10% (0.58 PP) 4.03% Cost/income ratio 42.6% 43.4% (0.8 PP) 40.1% 44.3% 44.7% 42.0% 36.9% 5.1 PP 38.8% Loan/deposit ratio 64.0% 63.0% 1.1 PP 60.7% 61.4% 62.7% 64.0% 62.7% 1.3 PP 61.4% Provisioning ratio1 0.03% (1.26%) 1.29 PP (0.71%) (0.12%) (1.36%) (0.63%) (1.00%) 0.37 PP (0.78%) NPE ratio 0.7% 0.8% (0.0 PP) 1.2% 1.3% 1.1% 0.7% 1.1% (0.3 PP) 1.3% NPE coverage ratio 47.2% 45.2% 2.0 PP 41.3% 41.0% 49.1% 47.2% 49.1% (2.0 PP) 41.0% Total assets 12,497 12,008 4.1% 11,971 11,217 11,779 12,497 11,779 6.1% 11,217 RWA 4,753 4,674 1.7% 4,392 4,398 4,335 4,753 4,335 9.6% 4,398 Equity 1,097 1,005 9.2% 930 1,170 1,138 1,097 1,138 (3.6%) 1,170 Loans to customers 5,175 4,914 5.3% 4,676 4,551 4,558 5,175 4,558 13.5% 4,551 - Hereof non-financial corporations %2 58.7% 58.5% 0.1 PP 60.3% 60.1% 60.4% 58.7% 60.4% (1.8 PP) 60.1% - Hereof households %2 32.5% 32.7% (0.2 PP) 33.1% 32.6% 33.3% 32.5% 33.3% (0.8 PP) 32.6% - Hereof FCY % 43.9% 44.5% (0.6 PP) 44.6% 44.7% 43.5% 43.9% 43.5% 0.4 PP 44.7% Deposits from customers 8,620 8,260 4.4% 8,323 7,807 8,143 8,620 8,143 5.9% 7,807 Business outlets 68 68 0.0% 68 68 68 68 68 0.0% 68 Number of employees 3,004 2,973 1.0% 2,972 2,502 2,486 3,004 2,486 20.8% 2,502 Number of customers (in mn) 0.5 0.5 (0.1%) 0.5 0.5 0.5 0.5 0.5 2.4% 0.5 In EUR mn
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Country Financials (CE) – Poland 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 48 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 5 4 19.1% 7 7 9 16 25 (35.5%) 33 Net fee and commission income 0 0 200.9% 0 0 0 0 1 (27.3%) 1 Net trading income and fair value result (0) 0 – 0 0 0 0 1 (78.0%) 1 Other net operating income 5 5 (11.4%) 4 12 5 13 9 53.9% 20 Operating income 10 9 0.2% 11 20 14 30 35 (14.5%) 55 General administrative expenses (18) (20) (8.4%) (21) (32) (26) (59) (65) (8.5%) (97) Operating result (9) (10) (16.2%) (10) (12) (12) (29) (30) (1.3%) (42) Other result (66) (161) (58.7%) (67) (156) (102) (293) (493) (40.5%) (649) Gov. measures and compulsory contrib. (1) (1) (8.1%) (1) (0) (1) (2) (2) 26.0% (2) Impairment losses on financial assets 2 2 (4.8%) 19 (3) 2 24 19 25.6% 16 Profit/loss before tax (74) (170) (56.6%) (58) (171) (112) (301) (506) (40.5%) (677) Profit/loss after tax (74) (170) (56.6%) (58) (171) (112) (301) (506) (40.5%) (677) Return on equity before tax1 – – – – – – – – – – Return on equity after tax1 – – – – – – – – – – Net interest margin1 1.19% 0.92% 0.27 PP 1.72% 2.28% 2.52% 1.27% 2.22% (0.95 PP) 2.22% Cost/income ratio – – – – – – – – – – Loan/deposit ratio – – – – – – – – – – Provisioning ratio1 (0.94%) (0.96%) 0.02 PP (8.13%) 1.20% (0.95%) (3.34%) (2.53%) (0.81 PP) (1.66%) NPE ratio 5.4% 5.2% 0.2 PP 5.1% 9.1% 9.2% 5.4% 9.2% (3.9 PP) 9.1% NPE coverage ratio 88.4% 88.2% 0.2 PP 87.0% 81.9% 82.7% 88.4% 82.7% 5.7 PP 81.9% Total assets 1,667 1,780 (6.4%) 1,928 1,291 1,261 1,667 1,261 32.2% 1,291 RWA 2,166 2,235 (3.1%) 2,264 971 954 2,166 954 127.0% 971 Equity – – – – – – – – – – Loans to customers 915 957 (4.4%) 966 982 869 915 869 5.2% 982 - Hereof non-financial corporations %2 0.5% 0.5% (0.1 PP) 0.8% 1.0% 3.9% 0.5% 3.9% (3.4 PP) 1.0% - Hereof households %2 99.5% 99.5% 0.1 PP 99.2% 99.0% 96.1% 99.5% 96.1% 3.4 PP 99.0% - Hereof FCY % 97.7% 97.7% (0.0 PP) 97.7% 98.1% 98.3% 97.7% 98.3% (0.6 PP) 98.1% Deposits from customers 12 13 (2.9%) 13 14 14 12 14 (8.8%) 14 Business outlets 1 1 0.0% 1 1 1 1 1 0.0% 1 Number of employees 330 333 (0.9%) 329 342 336 330 336 (1.8%) 342 Number of customers (in mn) 0.0 0.0 (4.4%) 0.0 0.0 0.0 0.0 0.0 (15.5%) 0.0 In EUR mn
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Country Financials (CE) – Slovakia 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 49 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 138 132 4.6% 128 126 121 398 353 12.7% 480 Net fee and commission income 51 50 1.2% 51 56 53 152 154 (1.4%) 210 Net trading income and fair value result 2 4 (60.8%) 4 4 3 10 9 8.7% 13 Other net operating income 11 2 364.1% 1 1 1 15 2 >500,0% 3 Operating income 202 188 7.0% 184 189 178 574 522 10.1% 711 General administrative expenses (81) (84) (3.0%) (82) (79) (74) (248) (223) 11.0% (302) Operating result 120 104 15.1% 102 110 104 327 299 9.4% 409 Other result 0 0 (61.2%) (0) (0) (1) 0 (2) – (3) Gov. measures and compulsory contrib. 0 0 – (1) 0 0 (1) (1) 4.0% (1) Impairment losses on financial assets (14) (12) 21.3% 0 (14) (8) (26) (12) 119.9% (26) Profit/loss before tax 106 93 14.1% 101 96 95 299 283 5.7% 379 Profit/loss after tax 75 64 16.5% 66 68 58 205 175 16.9% 244 Return on equity before tax1 26.6% 24.3% 2.3 PP 23.4% 22.6% 23.1% 25.2% 23.7% 1.6 PP 23.9% Return on equity after tax1 18.7% 16.8% 1.9 PP 15.5% 16.1% 14.3% 17.3% 14.6% 2.6 PP 15.4% Net interest margin1 2.63% 2.60% 0.04 PP 2.52% 2.51% 2.47% 2.58% 2.33% 0.24 PP 2.37% Cost/income ratio 40.4% 44.6% (4.2 PP) 44.6% 41.8% 41.8% 43.1% 42.7% 0.4 PP 42.5% Loan/deposit ratio 105.4% 103.2% 2.2 PP 101.3% 97.4% 103.7% 105.4% 103.7% 1.7 PP 97.4% Provisioning ratio1 0.37% 0.31% 0.06 PP (0.00%) 0.39% 0.24% 0.23% 0.11% 0.11 PP 0.18% NPE ratio 1.3% 1.3% (0.0 PP) 1.4% 1.3% 1.4% 1.3% 1.4% (0.1 PP) 1.3% NPE coverage ratio 61.1% 60.7% 0.4 PP 60.3% 59.2% 59.4% 61.1% 59.4% 1.7 PP 59.2% Total assets 21,888 21,065 3.9% 20,386 21,001 20,243 21,888 20,243 8.1% 21,001 RWA 8,136 7,835 3.8% 7,714 8,022 7,898 8,136 7,898 3.0% 8,022 Equity 1,700 1,626 4.5% 1,559 1,792 1,724 1,700 1,724 (1.4%) 1,792 Loans to customers 15,705 15,209 3.3% 14,744 14,507 14,491 15,705 14,491 8.4% 14,507 - Hereof non-financial corporations %2 43.3% 43.7% (0.4 PP) 43.7% 43.4% 44.0% 43.3% 44.0% (0.8 PP) 43.4% - Hereof households %2 54.9% 54.5% 0.4 PP 54.7% 55.2% 54.6% 54.9% 54.6% 0.3 PP 55.2% - Hereof FCY % 0.2% 0.1% 0.0 PP 0.1% 0.2% 0.2% 0.2% 0.2% (0.1 PP) 0.2% Deposits from customers 15,906 15,739 1.1% 15,592 15,699 15,157 15,906 15,157 4.9% 15,699 Business outlets 140 141 (0.7%) 141 141 141 140 141 (0.7%) 141 Number of employees 3,549 3,541 0.2% 3,569 3,558 3,552 3,549 3,552 (0.1%) 3,558 Number of customers (in mn) 1.5 1.5 2.3% 1.4 1.4 1.3 1.5 1.3 13.5% 1.4 In EUR mn
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Country Financials (SEE) – Albania 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 50 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 34 33 3.2% 33 33 33 99 98 0.8% 131 Net fee and commission income 8 8 (9.1%) 7 7 8 23 20 13.9% 27 Net trading income and fair value result 1 1 (44.9%) 2 1 1 4 3 27.8% 4 Other net operating income 0 1 (82.6%) (0) 1 (1) 1 (1) – (0) Operating income 42 45 (5.5%) 41 42 41 128 121 5.5% 163 General administrative expenses (17) (18) (2.5%) (16) (18) (16) (51) (45) 12.5% (64) Operating result 25 27 (7.4%) 24 24 25 77 75 1.4% 99 Other result 0 0 – 0 (1) 0 0 0 – (1) Gov. measures and compulsory contrib. (2) (2) 1.6% (3) (2) (2) (7) (6) 7.4% (8) Impairment losses on financial assets 1 (0) – 4 (7) 1 4 6 (26.5%) (1) Profit/loss before tax 24 25 (3.6%) 25 15 24 74 75 (1.4%) 90 Profit/loss after tax 20 21 (3.2%) 21 12 20 63 64 (2.2%) 76 Return on equity before tax1 27.5% 29.7% (2.2 PP) 29.4% 18.0% 30.8% 30.1% 34.0% (3.9 PP) 31.0% Return on equity after tax1 23.3% 25.0% (1.7 PP) 25.0% 15.5% 26.1% 25.5% 29.0% (3.5 PP) 26.5% Net interest margin1 4.35% 4.44% (0.08 PP) 4.59% 4.83% 4.92% 4.46% 4.90% (0.44 PP) 4.88% Cost/income ratio 40.6% 39.4% 1.3 PP 40.1% 43.7% 38.4% 0.0% 37.5% (37.5 PP) 39.1% Loan/deposit ratio 54.1% 55.0% (0.9 PP) 54.4% 52.1% 50.8% 54.1% 50.8% 3.3 PP 52.1% Provisioning ratio1 (0.27%) 0.05% (0.32 PP) (1.12%) 2.16% (0.27%) (0.43%) (0.68%) 0.24 PP 0.08% NPE ratio 2.3% 2.3% 0.0 PP 2.5% 2.6% 2.7% 2.3% 2.7% (0.4 PP) 2.6% NPE coverage ratio 73.4% 74.8% (1.4 PP) 74.9% 74.1% 73.1% 73.4% 73.1% 0.3 PP 74.1% Total assets 3,308 3,246 1.9% 3,061 3,089 3,002 3,308 3,002 10.2% 3,089 RWA 1,958 1,922 1.9% 1,738 1,858 1,746 1,958 1,746 12.1% 1,858 Equity 384 359 7.0% 358 340 337 384 337 14.1% 340 Loans to customers 1,429 1,401 2.0% 1,341 1,317 1,248 1,429 1,248 14.6% 1,317 - Hereof non-financial corporations %2 51.9% 53.2% (1.2 PP) 53.9% 54.2% 53.0% 51.9% 53.0% (1.0 PP) 54.2% - Hereof households %2 47.9% 46.7% 1.2 PP 46.1% 45.8% 46.9% 47.9% 46.9% 1.0 PP 45.8% - Hereof FCY % 35.6% 36.4% (0.9 PP) 38.3% 38.3% 35.8% 35.6% 35.8% (0.3 PP) 38.3% Deposits from customers 2,722 2,627 3.6% 2,552 2,617 2,534 2,722 2,534 7.4% 2,617 Business outlets 76 76 0.0% 76 76 76 76 76 0.0% 76 Number of employees 1,343 1,323 1.5% 1,304 1,294 1,294 1,343 1,294 3.8% 1,294 Number of customers (in mn) 0.5 0.5 1.4% 0.5 0.5 0.5 0.5 0.5 3.4% 0.5 In EUR mn
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Country Financials (SEE) – Bosnia & Herzegovina 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 51 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 22 21 0.7% 22 22 21 65 66 (1.1%) 88 Net fee and commission income 17 15 12.1% 14 17 14 46 43 6.0% 60 Net trading income and fair value result (0) 0 – 0 (1) 0 0 1 (95.4%) 0 Other net operating income (0) 1 – 1 0 1 1 2 (46.1%) 2 Operating income 38 39 (1.1%) 36 38 37 113 114 (0.9%) 152 General administrative expenses (18) (18) (3.0%) (16) (22) (17) (52) (49) 6.8% (71) Operating result 21 21 0.5% 20 16 20 61 65 (6.7%) 82 Other result 0 (0) – (0) 0 0 0 0 36.9% 0 Gov. measures and compulsory contrib. (2) (2) (0.8%) (2) (1) (1) (5) (4) 5.3% (6) Impairment losses on financial assets (1) (0) 389.2% (2) (4) 8 (3) 9 – 5 Profit/loss before tax 18 19 (4.1%) 17 11 27 53 71 (24.3%) 81 Profit/loss after tax 16 17 (4.0%) 15 9 25 48 65 (25.9%) 74 Return on equity before tax1 17.6% 18.6% (1.1 PP) 16.3% 11.1% 29.7% 18.0% 27.1% (9.1 PP) 23.6% Return on equity after tax1 16.0% 16.9% (0.9 PP) 14.6% 9.4% 27.6% 16.3% 25.0% (8.7 PP) 21.6% Net interest margin1 3.09% 3.12% (0.03 PP) 3.20% 3.35% 3.26% 3.13% 3.45% (0.32 PP) 3.43% Cost/income ratio 45.8% 46.7% (0.9 PP) 45.4% 57.6% 45.2% 46.0% 42.7% 3.3 PP 46.4% Loan/deposit ratio 69.8% 71.0% (1.2 PP) 71.6% 68.2% 69.4% 69.8% 69.4% 0.4 PP 68.2% Provisioning ratio1 0.33% 0.06% 0.27 PP 0.41% 1.07% (2.00%) 0.27% (0.79%) 1.05 PP (0.32%) NPE ratio 2.0% 2.1% (0.1 PP) 2.2% 2.2% 2.3% 2.0% 2.3% (0.3 PP) 2.2% NPE coverage ratio 77.0% 77.0% (0.0 PP) 80.3% 72.0% 66.5% 77.0% 66.5% 10.5 PP 72.0% Total assets 3,098 3,015 2.7% 2,929 2,975 2,923 3,098 2,923 6.0% 2,975 RWA 1,628 1,598 1.9% 1,578 1,604 1,542 1,628 1,542 5.6% 1,604 Equity 435 419 3.9% 420 405 396 435 396 9.8% 405 Loans to customers 1,676 1,657 1.1% 1,619 1,588 1,552 1,676 1,552 8.0% 1,588 - Hereof non-financial corporations %2 36.3% 36.9% (0.6 PP) 37.2% 36.7% 36.1% 36.3% 36.1% 0.2 PP 36.7% - Hereof households %2 60.7% 60.0% 0.8 PP 59.7% 59.8% 60.5% 60.7% 60.5% 0.2 PP 59.8% - Hereof FCY % 4.3% 3.9% 0.4 PP 4.0% 4.2% 4.4% 4.3% 4.4% (0.1 PP) 4.2% Deposits from customers 2,533 2,463 2.9% 2,383 2,443 2,375 2,533 2,375 6.7% 2,443 Business outlets 85 85 0.0% 87 87 87 85 87 (2.3%) 87 Number of employees 1,330 1,347 (1.3%) 1,353 1,333 1,351 1,330 1,351 (1.6%) 1,333 Number of customers (in mn) 0.5 0.5 0.9% 0.5 0.5 0.4 0.5 0.4 3.8% 0.5 In EUR mn
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Country Financials (SEE) – Croatia 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 52 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 48 49 (1.2%) 47 47 48 144 139 3.4% 186 Net fee and commission income 21 19 8.5% 19 21 21 59 59 0.9% 79 Net trading income and fair value result 1 1 (53.6%) (4) (1) 6 (1) 4 – 3 Other net operating income 3 (8) – 7 1 (5) 2 1 24.9% 3 Operating income 71 63 13.4% 69 69 69 203 202 0.4% 271 General administrative expenses (34) (34) 0.4% (34) (38) (31) (103) (94) 8.7% (133) Operating result 37 29 29.0% 35 31 38 101 108 (6.8%) 139 Other result (2) (5) (53.9%) (0) (9) (1) (8) (2) 305.1% (11) Gov. measures and compulsory contrib. 0 0 – 0 2 0 0 (2) – 0 Impairment losses on financial assets 3 (7) – (2) (11) (9) (6) (1) 449.2% (12) Profit/loss before tax 37 16 131.5% 34 14 28 87 103 (15.6%) 117 Profit/loss after tax 30 13 133.7% 28 11 23 71 84 (15.9%) 95 Return on equity before tax1 22.0% 9.3% 12.6 PP 19.0% 7.9% 16.8% 17.0% 21.2% (4.2 PP) 18.2% Return on equity after tax1 17.9% 7.5% 10.4 PP 15.5% 6.4% 13.8% 13.9% 17.3% (3.5 PP) 14.9% Net interest margin1 2.59% 2.69% (0.10 PP) 2.68% 2.77% 2.84% 2.65% 2.79% (0.14 PP) 2.79% Cost/income ratio 48.3% 54.6% (6.3 PP) 48.9% 55.5% 45.2% 50.5% 46.6% 3.9 PP 48.9% Loan/deposit ratio 65.8% 68.7% (2.8 PP) 68.7% 66.1% 64.1% 65.8% 64.1% 1.8 PP 66.1% Provisioning ratio1 (0.30%) 0.75% (1.04 PP) 0.17% 1.18% 1.02% 0.20% 0.05% 0.15 PP 0.33% NPE ratio 1.7% 1.7% (0.0 PP) 1.8% 1.7% 2.1% 1.7% 2.1% (0.4 PP) 1.7% NPE coverage ratio 63.6% 63.1% 0.5 PP 61.9% 62.0% 57.2% 63.6% 57.2% 6.3 PP 62.0% Total assets 7,852 7,739 1.5% 7,491 7,299 7,256 7,852 7,256 8.2% 7,299 RWA 2,760 2,601 6.1% 2,430 2,447 2,487 2,760 2,487 11.0% 2,447 Equity 715 685 4.5% 736 708 696 715 696 2.8% 708 Loans to customers 3,789 3,735 1.5% 3,664 3,601 3,556 3,789 3,556 6.6% 3,601 - Hereof non-financial corporations %2 34.1% 34.4% (0.3 PP) 34.4% 34.1% 32.9% 34.1% 32.9% 1.2 PP 34.1% - Hereof households %2 59.9% 59.2% 0.7 PP 58.1% 57.8% 57.6% 59.9% 57.6% 2.3 PP 57.8% - Hereof FCY % 0.0% 0.0% (0.0 PP) 0.0% 1.6% 0.0% 0.0% 0.0% (0.0 PP) 1.6% Deposits from customers 5,907 5,616 5.2% 5,533 5,397 5,369 5,907 5,369 10.0% 5,397 Business outlets 67 67 0.0% 70 70 70 67 70 (4.3%) 70 Number of employees 1,755 1,768 (0.7%) 1,777 1,771 1,763 1,755 1,763 (0.5%) 1,771 Number of customers (in mn) 0.5 0.5 0.5% 0.5 0.5 0.5 0.5 0.5 0.6% 0.5 In EUR mn
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Country Financials (SEE) – Kosovo 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 53 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 18 18 2.5% 17 17 18 53 54 (1.8%) 71 Net fee and commission income 5 6 (5.3%) 3 4 5 14 13 10.7% 17 Net trading income and fair value result 0 0 31.2% 0 0 0 0 1 (65.5%) 1 Other net operating income 1 1 (36.5%) 1 1 2 2 5 (65.1%) 6 Operating income 24 25 (2.6%) 21 23 25 70 73 (4.1%) 96 General administrative expenses (11) (12) (7.3%) (11) (13) (11) (35) (34) 4.0% (47) Operating result 13 12 2.1% 10 10 14 35 39 (11.0%) 49 Other result 0 0 – 0 0 0 0 0 – 0 Gov. measures and compulsory contrib. (1) (1) 0.4% (1) (1) (1) (3) (2) 63.8% (2) Impairment losses on financial assets (0) (4) (92.6%) 1 1 (0) (4) (3) 24.1% (2) Profit/loss before tax 12 7 54.7% 10 10 14 29 35 (17.4%) 45 Profit/loss after tax 11 7 61.6% 9 9 12 26 31 (15.7%) 40 Return on equity before tax1 26.4% 16.7% 9.6 PP 22.3% 25.8% 34.4% 22.6% 30.7% (8.1 PP) 30.6% Return on equity after tax1 24.0% 14.6% 9.4 PP 19.9% 23.6% 30.0% 20.2% 26.8% (6.7 PP) 27.0% Net interest margin1 4.49% 4.66% (0.18 PP) 4.65% 4.90% 5.31% 4.59% 5.34% (0.75 PP) 5.22% Cost/income ratio 47.1% 49.6% (2.4 PP) 53.6% 56.6% 43.8% 50.0% 46.1% 3.9 PP 48.6% Loan/deposit ratio 90.8% 91.9% (1.0 PP) 87.8% 86.6% 87.9% 90.8% 87.9% 3.0 PP 86.6% Provisioning ratio1 0.10% 1.40% (1.30 PP) (0.23%) (0.28%) (0.01%) 0.43% 0.41% 0.02 PP 0.22% NPE ratio 3.4% 3.0% 0.4 PP 2.2% 2.4% 2.7% 3.4% 2.7% 0.7 PP 2.4% NPE coverage ratio 68.8% 68.1% 0.7 PP 73.2% 74.1% 69.4% 68.8% 69.4% (0.6 PP) 74.1% Total assets 1,786 1,671 6.9% 1,646 1,622 1,517 1,786 1,517 17.7% 1,622 RWA 1,116 1,109 0.6% 1,043 977 802 1,116 802 39.1% 977 Equity 178 190 (6.0%) 183 174 165 178 165 8.2% 174 Loans to customers 1,260 1,218 3.4% 1,162 1,132 1,073 1,260 1,073 17.4% 1,132 - Hereof non-financial corporations %2 34.1% 34.5% (0.3 PP) 35.4% 36.4% 36.5% 34.1% 36.5% (2.4 PP) 36.4% - Hereof households %2 65.7% 65.3% 0.3 PP 64.4% 63.4% 63.5% 65.7% 63.5% 2.2 PP 63.4% - Hereof FCY % 0.0% 0.0% 0.0 PP 0.0% 0.0% 0.0% 0.0% 0.0% 0.0 PP 0.0% Deposits from customers 1,443 1,350 6.8% 1,346 1,329 1,244 1,443 1,244 16.0% 1,329 Business outlets 37 37 0.0% 37 36 37 37 37 0.0% 36 Number of employees 901 920 (2.1%) 922 937 918 901 918 (1.9%) 937 Number of customers (in mn) 0.4 0.4 2.5% 0.4 0.4 0.3 0.4 0.3 7.3% 0.4 In EUR mn
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Country Financials (SEE) – Romania 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 54 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 164 159 2.7% 159 156 156 482 463 4.1% 619 Net fee and commission income 64 68 (6.6%) 48 59 52 180 142 26.8% 200 Net trading income and fair value result 0 4 (97.1%) 3 2 (3) 8 (1) – 1 Other net operating income 5 (3) – (0) (4) 2 1 3 (60.1%) (1) Operating income 232 229 1.1% 210 213 207 672 608 10.5% 820 General administrative expenses (92) (97) (4.6%) (90) (103) (88) (279) (268) 4.1% (370) Operating result 140 133 5.3% 120 110 119 393 340 15.5% 450 Other result 0 (1) – 0 (1) 0 (1) 0 – (1) Gov. measures and compulsory contrib. (14) (7) 94.4% (15) (6) (6) (36) (26) 39.3% (32) Impairment losses on financial assets (10) (13) (24.0%) 2 (4) (2) (21) (1) >500,0% (5) Profit/loss before tax 117 112 4.2% 107 99 111 335 313 7.1% 412 Profit/loss after tax 94 91 3.6% 86 82 91 272 256 6.4% 337 Return on equity before tax1 28.8% 27.3% 1.5 PP 25.0% 25.2% 30.0% 28.3% 29.0% (0.7 PP) 29.0% Return on equity after tax1 23.4% 22.3% 1.1 PP 20.3% 20.7% 24.6% 23.0% 23.7% (0.7 PP) 23.7% Net interest margin1 4.15% 3.90% 0.25 PP 3.89% 4.07% 4.36% 3.98% 4.38% (0.40 PP) 4.28% Cost/income ratio 39.7% 42.1% (2.4 PP) 42.9% 48.3% 42.7% 41.5% 44.1% (2.5 PP) 45.1% Loan/deposit ratio 73.4% 69.6% 3.9 PP 65.2% 67.4% 74.6% 73.4% 74.6% (1.2 PP) 67.4% Provisioning ratio1 0.39% 0.49% (0.10 PP) (0.07%) 0.18% 0.05% 0.27% 0.00% 0.27 PP 0.05% NPE ratio 1.5% 1.5% (0.0 PP) 1.5% 1.5% 1.6% 1.5% 1.6% (0.1 PP) 1.5% NPE coverage ratio 62.6% 62.2% 0.4 PP 61.2% 65.2% 66.5% 62.6% 66.5% (3.9 PP) 65.2% Total assets 16,154 16,466 (1.9%) 17,175 16,656 15,082 16,154 15,082 7.1% 16,656 RWA 7,502 7,089 5.8% 6,695 7,255 7,006 7,502 7,006 7.1% 7,255 Equity 1,759 1,662 5.9% 1,791 1,703 1,621 1,759 1,621 8.5% 1,703 Loans to customers 9,599 9,200 4.3% 9,632 9,869 8,715 9,599 8,715 10.1% 9,869 - Hereof non-financial corporations %2 51.5% 52.5% (1.0 PP) 48.6% 48.4% 52.8% 51.5% 52.8% (1.3 PP) 48.4% - Hereof households %2 42.1% 42.7% (0.6 PP) 40.4% 38.9% 43.0% 42.1% 43.0% (0.9 PP) 38.9% - Hereof FCY % 35.3% 33.5% 1.8 PP 31.5% 29.5% 30.6% 35.3% 30.6% 4.7 PP 29.5% Deposits from customers 12,561 12,909 (2.7%) 13,450 13,148 11,481 12,561 11,481 9.4% 13,148 Business outlets 272 275 (1.1%) 275 276 279 272 279 (2.5%) 276 Number of employees 4,829 4,925 (1.9%) 4,985 5,034 5,037 4,829 5,037 (4.1%) 5,034 Number of customers (in mn) 2.3 2.3 0.5% 2.3 2.3 2.3 2.3 2.3 1.0% 2.3 In EUR mn
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Country Financials (SEE) – Serbia 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 55 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 69 66 4.0% 67 72 74 202 224 (9.6%) 295 Net fee and commission income 35 34 4.2% 31 33 31 100 91 9.9% 123 Net trading income and fair value result 4 4 1.8% 3 3 4 12 10 16.3% 13 Other net operating income 2 4 (58.0%) 2 (2) 4 9 6 40.4% 5 Operating income 110 108 1.5% 104 106 112 322 330 (2.5%) 436 General administrative expenses (33) (33) 0.4% (29) (36) (30) (95) (87) 8.5% (123) Operating result 77 76 2.0% 74 70 82 227 243 (6.5%) 313 Other result 0 0 98.3% 0 (3) 0 1 1 15.0% (2) Gov. measures and compulsory contrib. (4) (4) 2.8% (3) (3) (3) (11) (10) 9.1% (13) Impairment losses on financial assets 3 1 114.2% (2) (2) (9) 2 (3) – (5) Profit/loss before tax 77 74 4.4% 69 62 70 220 231 (4.9%) 293 Profit/loss after tax 67 63 5.2% 60 53 60 190 198 (4.4%) 252 Return on equity before tax1 37.6% 39.0% (1.4 PP) 31.4% 29.3% 36.1% 37.2% 42.8% (5.6 PP) 41.2% Return on equity after tax1 32.5% 33.5% (0.9 PP) 27.2% 25.3% 31.1% 32.1% 36.8% (4.7 PP) 35.5% Net interest margin1 4.48% 4.46% 0.02 PP 4.56% 4.88% 5.10% 4.49% 5.37% (0.88 PP) 5.24% Cost/income ratio 29.8% 30.1% (0.3 PP) 28.3% 33.9% 27.1% 29.4% 26.4% 3.0 PP 28.2% Loan/deposit ratio 64.4% 64.1% 0.3 PP 62.0% 60.5% 62.9% 64.4% 62.9% 1.5 PP 60.5% Provisioning ratio1 (0.40%) (0.19%) (0.20 PP) 0.26% 0.24% 1.15% (0.11%) 0.13% (0.24 PP) 0.16% NPE ratio 1.3% 1.3% 0.0 PP 1.4% 1.4% 1.4% 1.3% 1.4% (0.1 PP) 1.4% NPE coverage ratio 65.2% 62.0% 3.1 PP 60.4% 60.2% 60.0% 65.2% 60.0% 5.2 PP 60.2% Total assets 6,685 6,431 3.9% 6,283 6,409 6,181 6,685 6,181 8.1% 6,409 RWA 3,378 3,332 1.4% 3,240 3,293 3,192 3,378 3,192 5.8% 3,293 Equity 917 852 7.6% 786 929 871 917 871 5.3% 929 Loans to customers 3,328 3,209 3.7% 3,062 3,077 3,092 3,328 3,092 7.6% 3,077 - Hereof non-financial corporations %2 53.1% 53.7% (0.6 PP) 54.5% 55.4% 56.2% 53.1% 56.2% (3.1 PP) 55.4% - Hereof households %2 46.6% 45.9% 0.7 PP 45.4% 44.5% 43.7% 46.6% 43.7% 2.9 PP 44.5% - Hereof FCY % 68.6% 69.3% (0.8 PP) 71.6% 75.1% 74.8% 68.6% 74.8% (6.2 PP) 75.1% Deposits from customers 5,201 5,024 3.5% 4,966 5,126 4,962 5,201 4,962 4.8% 5,126 Business outlets 104 105 (1.0%) 105 105 105 104 105 (1.0%) 105 Number of employees 2,182 2,207 (1.1%) 2,130 2,121 2,100 2,182 2,100 3.9% 2,121 Number of customers (in mn) 1.1 1.1 1.3% 1.1 1.1 1.0 1.1 1.0 7.8% 1.1 In EUR mn
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Country Financials (EE) – Ukraine 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 56 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 101 100 0.7% 101 96 95 303 295 2.8% 391 Net fee and commission income 12 23 (46.5%) 15 18 15 50 49 3.1% 67 Net trading income and fair value result 2 (0) – 5 7 2 7 12 (44.0%) 19 Other net operating income 0 (0) – 0 0 (0) 0 0 (79.5%) 1 Operating income 116 123 (5.9%) 121 121 112 360 356 1.1% 477 General administrative expenses (47) (49) (3.1%) (52) (52) (47) (148) (140) 5.5% (192) Operating result 69 74 (7.7%) 70 69 65 213 216 (1.7%) 286 Other result 0 (0) – (1) (1) (0) (1) (2) (64.0%) (3) Gov. measures and compulsory contrib. (3) (3) 2.8% (3) (3) (3) (9) (8) 10.8% (11) Impairment losses on financial assets 6 3 120.6% 1 (46) (8) 10 (13) – (60) Profit/loss before tax 72 74 (2.8%) 67 20 55 213 192 10.8% 212 Profit/loss after tax 54 54 0.9% 51 (45) 41 159 142 11.4% 97 Return on equity before tax1 44.7% 48.4% (3.7 PP) 42.4% 12.6% 38.3% 47.6% 51.2% (3.6 PP) 42.1% Return on equity after tax1 33.6% 35.1% (1.4 PP) 32.3% – 28.5% 35.4% 37.9% (2.5 PP) 19.3% Net interest margin1 8.91% 8.93% (0.03 PP) 8.86% 8.73% 8.81% 8.89% 9.22% (0.33 PP) 9.07% Cost/income ratio 40.8% 39.7% 1.2 PP 42.5% 42.6% 41.6% 41.0% 39.3% 1.7 PP 40.1% Loan/deposit ratio 39.5% 36.2% 3.3 PP 35.7% 33.2% 34.9% 39.5% 34.9% 4.6 PP 33.2% Provisioning ratio1 (4.29%) (1.86%) (2.43 PP) (0.13%) 5.13% 1.06% (2.12%) 1.14% (3.26 PP) 2.18% NPE ratio 3.3% 3.7% (0.4 PP) 4.0% 4.4% 4.8% 3.3% 4.8% (1.4 PP) 4.4% NPE coverage ratio 85.1% 86.2% (1.1 PP) 82.5% 82.5% 75.2% 85.1% 75.2% 9.9 PP 82.5% Total assets 4,982 4,820 3.4% 5,059 4,986 4,647 4,982 4,647 7.2% 4,986 RWA 4,557 4,609 (1.1%) 4,874 4,709 4,496 4,557 4,496 1.4% 4,709 Equity 734 667 10.0% 665 623 618 734 618 18.8% 623 Loans to customers 1,575 1,436 9.7% 1,486 1,385 1,350 1,575 1,350 16.6% 1,385 - Hereof non-financial corporations %2 86.2% 85.5% 0.7 PP 87.2% 86.5% 87.9% 86.2% 87.9% (1.8 PP) 86.5% - Hereof households %2 11.8% 11.8% (0.1 PP) 11.4% 11.8% 10.7% 11.8% 10.7% 1.0 PP 11.8% - Hereof FCY % 28.8% 25.8% 3.0 PP 27.3% 30.2% 31.6% 28.8% 31.6% (2.8 PP) 30.2% Deposits from customers 3,991 3,936 1.4% 4,164 4,149 3,884 3,991 3,884 2.8% 4,149 Business outlets 290 295 (1.7%) 299 298 299 290 299 (3.0%) 298 Number of employees 5,113 5,135 (0.4%) 5,239 5,251 5,243 5,113 5,243 (2.5%) 5,251 Number of customers (in mn) 3.0 2.9 3.2% 2.9 2.9 2.8 3.0 2.8 5.4% 2.9 In EUR mn
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Country Financials (EE) – Russia 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 57 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 402 441 (8.7%) 457 467 411 1,300 1,156 12.5% 1,623 Net fee and commission income 174 183 (4.9%) 201 172 193 559 621 (10.0%) 793 Net trading income and fair value result 57 59 (2.9%) 65 11 26 181 49 273.0% 59 Other net operating income 0 2 (74.7%) (0) 1 (1) 1 (7) – (6) Operating income 635 685 (7.3%) 723 651 629 2,042 1,820 12.2% 2,471 General administrative expenses (171) (166) 2.7% (148) (45) (150) (485) (444) 9.2% (488) Operating result 464 519 (10.6%) 575 606 479 1,558 1,376 13.2% 1,982 Other result 4 (1,269) – 1 (837) 2 (1,264) (6) >500,0% (843) Gov. measures and compulsory contrib. (5) (6) (4.9%) (6) (5) (7) (16) (25) (34.1%) (30) Impairment losses on financial assets (32) (5) >500,0% 3 117 25 (33) 46 – 162 Profit/loss before tax 431 (761) – 573 (119) 499 244 1,391 (82.5%) 1,272 Profit/loss after tax 319 (861) – 425 (240) 409 (118) 1,113 – 873 Return on equity before tax1 24.9% 12.0% 12.9 PP 43.5% – 40.3% 12.3% 41.5% (29.2 PP) 29.6% Return on equity after tax1 18.5% 5.7% 12.8 PP 32.2% – 33.0% 4.4% 33.2% (28.9 PP) 20.3% Net interest margin1 9.48% 10.08% (0.60 PP) 10.37% 11.69% 8.88% 10.05% 8.09% 1.96 PP 8.87% Cost/income ratio 26.9% 24.2% 2.6 PP 20.5% 6.8% 23.9% 23.7% 24.4% (0.7 PP) 19.8% Loan/deposit ratio 29.4% 31.3% (1.9 PP) 30.8% 35.7% 37.5% 29.4% 37.5% (8.1 PP) 35.7% Provisioning ratio1 2.75% 0.44% 2.31 PP (0.20%) (8.76%) 0.09% 0.98% 1.23% (0.25 PP) (0.82%) NPE ratio 1.7% 1.6% 0.0 PP 1.5% 1.6% 1.7% 1.7% 1.7% (0.0 PP) 1.6% NPE coverage ratio 73.7% 70.7% 3.0 PP 72.5% 69.0% 72.3% 73.7% 72.3% 1.3 PP 69.0% Total assets 17,665 18,081 (2.3%) 19,614 16,945 18,232 17,665 18,232 (3.1%) 16,945 RWA 18,021 18,632 (3.3%) 19,512 16,994 17,951 18,021 17,951 0.4% 16,994 Equity 5,377 5,352 0.5% 6,112 4,512 5,192 5,377 5,192 3.6% 4,512 Loans to customers 4,546 4,722 (3.7%) 4,926 4,176 4,483 4,546 4,483 1.4% 4,176 - Hereof non-financial corporations %2 21.4% 23.0% (1.6 PP) 30.2% 32.4% 37.3% 21.4% 37.3% (15.9 PP) 32.4% - Hereof households %2 39.8% 43.2% (3.3 PP) 43.2% 43.8% 47.0% 39.8% 47.0% (7.2 PP) 43.8% - Hereof FCY % 4.4% 4.4% (0.1 PP) 5.8% 7.2% 7.2% 4.4% 7.2% (2.8 PP) 7.2% Deposits from customers 10,153 10,676 (4.9%) 10,669 9,512 10,975 10,153 10,975 (7.5%) 9,512 Business outlets 68 74 (8.1%) 83 89 121 68 121 (43.8%) 89 Number of employees 8,614 8,657 (0.5%) 8,746 8,863 9,313 8,614 9,313 (7.5%) 8,863 Number of customers (in mn) 2.9 3.0 (2.5%) 3.1 3.2 3.3 2.9 3.3 (9.6%) 3.2 In EUR mn
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Group Corporates & Markets 30 October 2025 Note: All data, except P/L, are dated to the end of the period 1) Annualized 2) General governments and other financial corporations as remaining share 58 Q3/2025 Q2/2025 q-o-q Q1/2025 Q4/2024 Q3/2024 1-9/2025 1-9/2024 y-o-y 1-12/2024 Net interest income 170 190 (10.8%) 186 207 201 546 653 (16.4%) 860 Net fee and commission income 152 147 2.9% 148 157 145 447 433 3.3% 589 Net trading income and fair value result 16 75 (79.0%) 24 19 49 115 95 21.4% 114 Other net operating income 40 32 25.9% 35 33 36 107 98 9.0% 131 Operating income 385 454 (15.1%) 399 420 441 1,238 1,297 (4.6%) 1,717 General administrative expenses (234) (244) (4.1%) (243) (260) (214) (721) (671) 7.5% (931) Operating result 151 209 (27.9%) 156 160 228 517 626 (17.4%) 786 Other result (1) (2) (62.0%) (7) (10) 1 (10) (4) 147.8% (13) Gov. measures and compulsory contrib. (12) (13) (7.8%) (11) (3) (4) (35) (15) 138.4% (18) Impairment losses on financial assets (37) (63) (41.7%) (70) (18) (76) (170) (212) (19.6%) (230) Profit/loss before tax 102 132 (22.7%) 69 129 149 302 396 (23.6%) 525 Profit/loss after tax 81 105 (22.8%) 54 96 122 240 316 (24.0%) 412 Return on equity before tax1 9.8% 12.8% (3.0 PP) 6.2% 11.6% 13.7% 9.7% 12.1% (2.4 PP) 11.8% Return on equity after tax1 7.8% 10.2% (2.4 PP) 4.8% 8.6% 11.1% 7.7% 9.6% (1.9 PP) 9.2% Net interest margin1 1.12% 1.24% (0.12 PP) 1.21% 1.34% 1.28% 1.19% 1.40% (0.21 PP) 1.39% Cost/income ratio 60.8% 53.8% 7.0 PP 60.8% 61.8% 48.4% 58.3% 51.7% 6.5 PP 54.2% Loan/deposit ratio 166.2% 162.8% 3.4 PP 166.5% 161.1% 154.3% 166.2% 154.3% 11.9 PP 161.1% Provisioning ratio1 0.41% 0.70% (0.28 PP) 0.77% 0.20% 0.80% 0.63% 0.76% (0.13 PP) 0.62% NPE ratio 3.0% 2.9% 0.1 PP 3.2% 3.5% 3.2% 3.0% 3.2% (0.1 PP) 3.5% NPE coverage ratio 31.5% 32.1% (0.6 PP) 30.2% 39.4% 37.6% 31.5% 37.6% (6.0 PP) 39.4% Total assets 61,599 63,400 (2.8%) 63,016 62,818 64,111 61,599 64,111 (3.9%) 62,818 RWA 22,669 21,892 3.6% 21,500 25,055 25,025 22,669 25,025 (9.4%) 25,055 Equity 4,511 4,373 3.2% 4,263 4,729 4,713 4,511 4,713 (4.3%) 4,729 Loans to customers 35,324 36,427 (3.0%) 36,238 36,003 37,126 35,324 37,126 (4.9%) 36,003 - Hereof non-financial corporations %2 50.9% 50.0% 0.8 PP 50.6% 50.9% 48.2% 50.9% 48.2% 2.6 PP 50.9% - Hereof households %2 22.2% 21.4% 0.9 PP 21.3% 21.4% 20.6% 22.2% 20.6% 1.6 PP 21.4% - Hereof FCY % 13.1% 13.6% (0.5 PP) 12.4% 13.7% 13.2% 13.1% 13.2% (0.1 PP) 13.7% Deposits from customers 23,022 23,775 (3.2%) 24,436 24,544 28,097 23,022 28,097 (18.1%) 24,544 Business outlets 17 17 0.0% 17 17 18 17 18 (5.6%) 17 Number of employees 3,727 3,737 (0.3%) 3,718 3,704 3,654 3,727 3,654 2.0% 3,704 Number of customers (in mn) 2.6 2.6 0.2% 2.5 2.5 2.5 2.6 2.5 3.8% 2.5 In EUR mn
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Sustainability Ratings The Leading Sustainable Financial Institution in Austria & CEE RBI has been committed to the UN Global Compact, since 2010 and signed up to the UNEP FI Principles for Responsible Banking In January 2021. Since then, a comprehensive portfolio impact analysis was performed, and a progress report was published. RBI is further committed to promoting environmentally friendly technologies and further strengthening its focus on renewable energy. RBI has set firm targets in connection with the exit from coal. "Prime Status" and Level “C+" by ISS-ESG (March 2025) Sustainalytics: “Low risk”; Low risk experiencing material financial impacts from ESG factors; 34th out of 273 in the diversified banks subindustry (September 2023) MSCI ESG Rating: Level “A” (October 2024) Moody´s Analytics: Overall ESG Score of 50/100 (higher than average score of 46/100 for the Retail & Specialized Banks in Europe (April 2023) RBI´s S&P ESG score is 56 out of 100, which is above the industry average of 36/100 (Oct. 2024 – update underway) RBI is included the FTSE4Good Index Series (October 2024) CDP: In February 2025, RBI received a B which is in the Management band. This is the same as the Europe regional average of B, and the same as the Financial services sector average of B (February 2025) Ratings, Rankings and Indices 30 October 2025 59
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Shareholder Information Overview Moody’s Standard & Poor’s Long term A1 A- Outlook Stable Stable Covered bonds Aa1 Short term P-1 A-2 Junior Senior Unsecured Baa2 - Subordinated (Tier 2) Baa2 BBB Additional Tier 1 Ba2(hyb) BB Vienna Stock Exchange: RBI Bloomberg: RBI AV Reuters: RBIV.VI Listed since 25 April 2005 on the Vienna Stock Exchange Prime Market Indices: ATX, ATX Prime, MSCI Standard Index Europe, EURO STOXX Banks 328,939,621 ordinary shares issued ISIN: AT0000606306 Trading Symbols: 1) Based on shares issued (please note that displayed values are rounded) 38.8%61.2% Regional Raiffeisen banks Free float General information Shareholder structure1 30 October 2025 Raiffeisenlandesbank NÖ-Wien 25.0% Raiffeisen Landesbank Steiermark 10.0% Raiffeisenlandesbank Oberösterreich 9.5% Raiffeisen-Landesbank Tirol 3.7% Raiffeisenverband Salzburg 3.6% Raiffeisenlandesbank Kärnten 3.5% Raiffeisenlandesbank Burgenland 3.0% Raiffeisenlandesbank Vorarlberg 2.9% Total regional Raiffeisen banks ~61.2% 60
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Group Investor & Media Relations Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna Austria +43 1 71 707 2089 ir@rbinternational.com www.rbinternational.com 27 January 2026 Start of Quiet Period 30 January 2026 Preliminary Results 2025, Conference Call 2 March 2026 Annual Financial Report 2025 30 March 2026 Record Date Annual General Meeting 9 April 2026 Annual General Meeting 14 April 2026 Ex-Dividend Date 15 April 2026 Record Date Dividend 17 April 2026 Dividend Payment Date 27 April 2026 Start of Quiet Period 5 May 2026 First Quarter Report, Conference Call 23 July 2026 Start of Quiet Period 30 July 2026 Semi-Annual Report, Conference Call 23 October 2026 Start of Quiet Period 3 November 2026 Third Quarter Report, Conference Call Quiet Period: period before the publication of the quarterly financial statements. During these periods we do not hold invest or or analyst meetings Financial Calendar 30 October 2025 61