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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 Preliminary FY/2025 Results 30 January 2026
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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 January 2026 2
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
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FY/2025 Executive Summary RBI Group Consolidated profit 1-12/2025 Consolidated RoE 1-12/2025 CET1 ratio 31/12/2025, transitional, incl. results EUR 1,371 mn y-o-y +19% 6.9% y-o-y -2.5 pp 17.9% EUR 1,443 mn 10.6% 15.5% Consolidated profit Consolidated RoE CET1 ratio ytd Assuming P/B Zero deconsolidation (see p. 12) 30 January 2026 +0.8 pp +48% y-o-y Adjusted excl. Russia and Poland (see p.37) 4 13.4% excl. Russia excluding Russia
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Adjusted FY/2025 Executive Summary RBI Group excluding Russia Loans to customers Main revenues Opex CIR +6% ytd Net interest income Net fee & commission income 5,874 +2% +4% 44.8% +2 pp EUR 105,610 mn EUR 4,134 mn +9% y-o-y EUR 101,195 mn +6% ytd NII NFCI +9% +1% 53.1% +1 pp EUR 3,456 mn +4% y-o-y 30 January 2026 2,731 4,184 2,002 Loans to customers 31/12/2025 Main revenues 1-12/2025, in EUR mn Opex and Cost/Income Ratio 1-12/2025 y-o-y y-o-y 5
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30 January 2026 Update Management Board Composition Michael Höllerer to succeed Johann Strobl as CEO of RBI on 1 July 2026 Kamila Makhmudova appointed CFO and joined the board of management on 1 January 2026 Rainer Schnabl will join the board of management on 1 March 2026, responsible for CIB Products & Solutions The retail area will report into the CEO Dividend proposal of EUR 1.60 for FY/2025 The board will recommend a dividend of EUR 1.60 per share for the business year 2025 – subject to audited results and to be voted on at the upcoming AGM (9 April 2026)
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De-risking in Russia 30 January 2026 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 7 Assets Liabilities 27.1 16.3 14.3 14.0 17.0 17.0 18.6 17.8 13.7 9.0 7.1 6.0 5.8 4.2 4.7 4.4 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 Q4/25Q2/25 Business reduction to continue in 2026 1 Loan book reduction YE/2025 targets met 3 FX payments out of Russia: 2 Deposits from customers reduction continues: -60% Loans to customers in RUB terms since February 2022 -40% 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 7 More equity (EUR 5.6 bn) than loans to customers (EUR 4.4 bn) Loan/deposit ratio at 27% (31/12/2025) LCR at 520% (22/01/2026) Balance sheet has been transformed by the business reduction
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639 680 650 668 668 685 679 699 Q4/2025 Main Revenue Trends 30 January 2026 Core Excluding Russia / Belarus Group 1,428 1,410 1,430 1,511 1,504 1,468 1,459 1,443 Core Excluding Russia / Belarus Top 3 – in EUR mn Q2/25 Q3/25 Q4/25 Q2/25 Q3/25 Q4/25 Clearing, settlement and payment services 256 235 242 233 216 221 FX business 222 225 213 104 113 109 Asset management 77 81 91 70 74 84 excl. Russia Net interest income in EUR mn Net fee and commission income in EUR mn 2024 Q2 Q4Q3Q1 2025 Q2Q1 Q3 Q4 Group q-o-q -0% 8 1,060 1,033 1,019 1,042 1,046 1,027 1,056 1,054 q-o-q +5%431 461 456 497 466 502 505 529 2024 Q2 Q4Q3Q1 2025 Q2Q1 Q3 Q4 NFCI in Q4 with solid trends across products. Increase q-o-q for the Core Group includes EUR 11 mn of non-recurring fee income Core Group NII stable, benefitting from pick up in volumes and stable interest rates in all key currencies Net interest margin in Q4 excluding Russia at 2.26%
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99.6 101.0 102.2 103.0 105.6 95.4 96.1 97.5 98.5 101.2 117.7 120.0 121.4 125.3 127.6 108.2 109.3 110.8 115.1 117.3 Loans and Deposits to/from Customers in Q4/2025 Deposits from customers q-o-q 3% + q-o-q 3% + Assets (EUR 210.3 bn +1% q-o-q) (31/12/2025, in EUR bn, % q-o-q) Loans to customers 105.6 +3% Securities 46.9 +2% Loans to banks 12.7 -20% Cash and other assets 45.1 +1% Liabilities (EUR 210.3 bn +1% q-o-q) (31/12/2025, in EUR bn, % q-o-q) Deposits from customers 127.6 +2% Debt issued and other liab. 39.5 +4% Deposits from banks 20.7 -12% Equity 22.5 +2% in EUR bn Group q-o-q 2% + Core Excluding Russia/ Belarus Group Core Excluding Russia/ Belarus 30 January 2026 2% + q-o-q 31/12/24 31/03/24 30/09/2531/06/25 31/12/25 Loans to customers in EUR bn 9 31/12/24 31/03/24 30/09/2531/06/25 31/12/25 3% loan growth in CE and in SEE, driven by Czechia, Slovakia, and Romania Strong growth in mortgage volumes in Q4 in Slovakia, Romania, and Hungary Loans to non-financial corporations grew by 6% in GC&M in Q4/2025 Strong growth in deposits from customers in Slovakia and Romania in Q4/2025 3% growth in deposits from households in CE and 4% in SEE
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High Liquidity Across the Group 30 January 2026 22/01/2026 Q4/2025 Czech Republic 245% 74% 79% Slovakia 171% 65% 73% Hungary 158% 54% 73% Romania 242% 73% 82% Serbia 203% 69% 67% 88% 88% 88% 87% 159% 148% 146% 138% 141% 139% 138% 139% 138% 139% Q4/’25Q1/’25 Q3/’25 22/01/2025 LCR NSFR Loan/deposit ratio 179% 173% 167% 157% 167% 117% 118% 120% 117% 118% Q4/2025Q1/2025 Q3/2025 22/01/2025 Head office – Liquidity ratios RBI head office: conservative liquidity profile LCR NSFR … of which insured LCR Share of retail deposits Q2/’25 Q2/2025 LCR at 167% (as of 22 January 2026) Head office with sufficient liquidity to cover all deposits and maturing funding for over one year (see slide 41) RBI Core Group excl. Russia - Liquidity ratios Key network units - Liquidity ratios 10
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CET1 Ratio Development – Core Group 30 January 2026 15.7% 15.5% Assuming P/B zero deconsolidation scenario in Russia -25 bps Credit risk Core Group (of which -18 bps exposure increase) Retained earnings +23 bps Operational & Market risk -20 bps OCI, valuation & other effects +3 bps FX -1 bps - - + + 30/09/2025 P/B Zero Russia deconsolidation 31/12/2025 P/B Zero Russia deconsolidation 11 q-o-q -20 bps - -
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P/B Zero Deconsolidation Scenario in Russia 30 January 2026 12 CET 1 Expected above 15% at year-end 2026 31/12/2025 P/B Zero Russia deconsolidation 15.5% 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 5.5 bn Deconsolidated RWA EUR 20.0 bn IFRS equity partially offset by deduction items Net consolidated Russia RWAs and other effects Capital stack CET 1 AT 1 T2 15.5% 2.07% 2.69% 2.02% 2.70% 12.09% RBI excl. Russia Current MDA threshold 31/12/2025 P/B Zero Russia deconsolidation MDA buffer at 343 bps From 1 January 2026, Russia operational risk increases from EUR 2.6 bn to EUR 3.9 bn (leading to a -29 bps impact on CET1 excluding Russia)
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Core Group CET1 Outlook 2026 30 January 2026 13 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 CET 1 31/12/2026e P/B Zero Russia deconsolidation CET 1 31/12/2025 P/B Zero Russia deconsolidation 15.5% Core Group CET1 ratio expected above 15 per cent at year-end 2026 Net of expected 2026 dividend accrual Inorganic effects and other capital items Organic growth, market and operational RWAs Expected CET1 drivers until year-end 2026: Retained earnings RWA increase FX Other ~94 bps + ~113 bps - ~0 bps - ~18 bps - … of which -29 bps from Russia operational RWA increase on 1 January 2026 above 15%
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Capital Ratios and SREP 17.9% 19.6% 21.8% 4.50% 1.56% 5.99% 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 31/12/2025 Requirements as of 01/01/2026 30 January 2026 12.94% MDA trigger 498 bps MDA buffer EUR 7,557 mn Available distributable items q-o-q -47 bps P2R P2G CBR Combined buffer requirement composition 2.79% 1.00% 1.56% 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 Jan. 2026 OSII buffer 1.75% Countercyclical capital buffer 0.73% Capital conservation buffer 2.50% Systemic risk buffer 1.01% CBR at 599 bps since January 2026 14
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MREL and Funding Plan Total MREL requirement (31/12/2025) 10.03% Senior preferred 32.70% T2 AT1 CET1 & other subordinated Actual Requirement31/12/2025 TREA in AT at EUR 36,986 mn MREL requirements for resolution group AT incl. CBR of 5.11% as of 31/12/2025 Total MREL Successfully issued EUR 650 mn AT1 note in January 2026, combined with liability management exercise Up to two senior benchmarks planned for 2026 Funding plan Austria resolution group MREL Including profit Subordinated MREL requirement from January 20261 30 January 2026 42.73% 1 Based on SRB MREL decision 15 Other resolution groups 31/12/2025 31/12/2025 2026 2027 Czech Republic 31.93% 27.55% ~100 - 200 ~300 - 500 Senior non- preferred Slovakia 29.89% 27.73% ~100 - 300 ~200 - 500 Senior preferred Hungary 38.90% 30.62% 0 ~100 - 200 Senior preferred Croatia 34.99% 31.39% ~200 - 300 ~0 - 100 Senior preferred Romania 40.27% 32.79% ~500 - 7252 ~450 - 650 Senior preferred & non-preferred Requirements Actual Ranking MREL needs 37.60% 26.71% 2 thereof EUR 500 mn already issued in January 2026
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Macro Outlook GDP (real, % yoy) 2024 2025e 2026f 2027f Czech Republic 1.1 2.5 2.2 2.6 Hungary 0.6 0.4 1.8 2.3 Poland 3.0 3.4 3.5 3.1 Slovakia 1.9 0.8 1.5 1.7 Central Europe (CE) 2.1 2.5 2.8 2.8 Albania 4.0 3.7 3.8 3.9 Bosnia a. H. 3.2 2.0 2.8 3.0 Croatia 3.8 3.2 2.6 2.5 Kosovo 4.6 3.3 3.9 4.0 Romania 0.9 0.8 1.3 2.5 Serbia 3.9 2.0 2.8 3.5 Southeastern Europe (SEE) 2.3 1.8 2.1 2.8 Ukraine 2.9 2.1 3.0 4.5 Russia 4.3 0.9 0.9 0.9 Austria -0.7 0.5 1.0 1.3 Euro area 0.9 1.4 1.4 1.9 30 January 2026 Source: RBI/Raiffeisen Research, January 2026 16 Consumption and investment driven growth in 2026 across CE/SEE. Exports are dampened by US tariffs. 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 is expected to continue to weight on growth in Slovakia and Romania. Hungary may follow. Weakness in manufacturing, political uncertainties, and trade restrictions remains a near-term downside risk. Rise in defense spending positive for the mid/long term outlook.
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Inflation and Key Rates Forecast AT Inflation rate (CPI) (average, % y-o-y) 2026f Source: RBI/Raiffeisen Research, January 2026 2027f CZ SK HU RS Key rates forecast Current December 2026 December 2027 December 2028 (%) 20/01/2026 Forecast Forecast Forecast Czech Republic 3.50 3.50 4.00 4.00 Hungary 6.50 5.75 4.75 4.25 Romania 6.50 5.25 4.00 3.50 Serbia 5.75 5.75 5.25 4.50 Euro (deposit facility) 2.00 2.00 2.25 2.25 1.8% Euro area 30 January 2026 2.2% 2.4%2.1% 3.7% 3.4% 2.5% 2.3% 3.6% 3.8% 3.6% 3.6% RO 6.9% 3.3% 17 Inflation In Austria and most CE/SEE countries, inflation remains elevated due to services and food. Inflation is expected to decrease notably in Romania and to stabilize close to ECB target in the Euro area in 2026 and 2027 Macroeconomic headwinds may continue to weight on corporate credit demand in larger CE/SEE markets, some support could stem from improving investment trend, including co-financing needs under EU initiatives Banking sector view Strong momentum in retail lending throughout YE/2025 and is expected to continue in 2026
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2026 Core Group Guidance (excl. Russia) 30 January 2026 Net interest income Net fee and commission income Loans to customers around EUR 4.4 bn around 7% OPEX around EUR 3.6 bn CIR around 52.5% around 35 bps ‘P/B Zero’ Russia deconsolidation scenario above 15% Risk cost excluding potential use of overlays CET1 ratio around 10.5% Consolidated return on equity Income Statement Profitability & Balance Sheet around EUR 2.1 bn 18 Core adjusted (look-through) Excl. Russia and Belarus and excl. provisions and legal cost for FX loans in Poland FY/2021FY/2020FY/2019 FY/2022 FY/2023 FY/2024 FY/2025 FY/2026 FY/2027 FY/2028 RBI Group excluding Russia / Belarus including Russia / Belarus Core reported Excl. Russia / Belarus Medium term consolidated RoE Core Group (see p. 37 for further elaboration) 11.0% 6.4% 10.9% 12.9% 7.5% 7.3% 10.6% ~10.5% 13.9% 15.4% 13.3% 13.4% ~12.5% 13% and above
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
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48 77 100 89 317 346 270 324 364 342 97 729 765 467 413 FY/2022 FY/2023 FY/2024 FY/2025 Russia (released) GC&M, CE, SEE Ukraine Stock of risk overlays 31/12/2025 Risk Overview 30 January 2026 2026 Guidance FY/2025 Around 35 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: affected customers and exposure remain under continuous monitoring - no material downgrades occurred but volatility persists NPE ratio at all time low at 1.7% Risk cost remained low, driven by positive development in CE and SEE 1 Including impairments on debt securities 20 20 bps -7 bps 1.7% -0.4 pp 44.2% -6.1 ppy-o-y EUR 192 mn y-o-y RBI Group FY/202514 bps Provisioning ratio Risk cost1 EUR 141 mn 1.7% 46.5% Risk cost excluding Russia, FY/2025 NPE ratio/ coverage ratio excluding Russia, 31/12/2025
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IFRS 9 Provisioning 30 January 2026 EUR -12 mnEUR 30 mn EUR -22 mn EUR -148 mn EUR 128 mn Stage 1 & 2 Macro Overlays Stage 3 RBI Group – Q4/2025 Total 3 bps Overall EUR 72 mn of IFRS 9 provisions in Q4 Stage 1 & 2: mainly driven by head office and model parameter updates Macro: decrease due to updated outlook Overlays: mainly due to release in GC&M and Ukraine Stage 3: driven by defaults across the region 1 2 Stage 1 & 2 1 2 Macro 3 Stage 3 37 bps 1 2 Overlays +EUR 37 mn EUR -17 mn Core Group – Q4/2025 excluding Russia - EUR 92 mn EUR -40 mn EUR 72 mn + (+) additional IFRS 9 provisions (-) release of IFRS 9 provisions FY/2025 EUR mn Stage 1 & 2 Macro Overlays Stage 3 Total RBI Group -31 -15 -60 247 141 Excl. Russia 3 -18 37 171 192 21 -
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Q4/2025 RWA Development 30 January 2026 22 Core Group excl. Russia Operational risk RWA increase of EUR 0.6 bn, following inclusion of 2025 income Credit RWAs largely driven by exposure growth, corporate & project finance in Austria, Slovakia and Czechia Inorganic 2026: around EUR 2 bn expected during 2026, mainly in Q1 due to expiry of Operational risk waiver 0.6 1.3 0.5 -0.0 FX Market risk RWA in EUR bn Credit risk 30/09/2025 31/12/2025 78.6 57.4 16.5 4.7 Credit risk Operational risk Market risk 58.7 17.1 5.1 80.9 Op risk Market risk, increase in RWA driven mainly by the stress VaR volatility regime relevant for the trading book in head office Core Group y-o-y 78.3 0.8 0.9 1.5 -0.6 80.9 31/12/2024 31/12/2025 RWA in EUR bn Credit risk Op. risk Market risk FX Incl. EUR -3.9 bn CRR3 effect
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Poland FX Mortgage Update 30 January 2026 Over 126% of CET1 or equivalent held against the portfolio: EUR ~2,029 mn EUR ~73 mn EUR ~1,956 mnLitigation provisions Capital consumption from credit risk RWA and impairments = + 126% Additional ~620 settlements in Q4/2025 Rollout of in-court settlement strategy Achieving reduced financial loss, legal costs, court fees, and penalty fees Number of FX loans in Poland in thousand, 31/12/2025 CET1 or equivalent held against portfolio Settlements 37.0 10.0 17.2 5.2 4.5 18.1 9.3 8.7 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 1,256 mn EUR 356 mnExposure EUR 1,774 mn Exposure EUR 182 mn Stock of provisions for litigation: Poland FX mortgage exposure and stock of provisions 23
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NPE Ratio and NPE Coverage 30 January 2026 ▪ 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 – decrease in coverage ratio mainly driven by Hungary and Slovakia SEE – stable development Ukraine – further decrease of NPE stock EE – significant decrease of NPE exposure GC&M – NPE decrease mainly driven by write- offs RBI Group – coverage ratio movement mainly driven by GC&M 70% NPE coverage ratio incl. Stage 1 and 2 24 1.9% 1.8% 1.7% 1.7% 48.4% 50.2% 49.8% 46.5% 1.0%0.0% 100.0% 3.2% 2.9% 3.0% 2.9% 30.2% 32.1% 31.5% 25.9% 1.0%0.0% 50.0% 1.5% 1.6% 1.7% 1.2% 72.5% 70.7% 73.7% 78.8% 1.0%0.0% 100.0% 1.7% 1.7% 1.7% 1.6% 65.3% 65.7% 66.3% 65.4% 1.0%0.0% 100.0% 1.2% 1.1% 1.0% 1.0% 57.5% 59.8% 59.1% 58.5% 1.0%0.0% 100.0% in EUR mn Q4/2025 ∆ q-o-q Q4/2025 NPE stockQ1/2025 Q2/2025 Q3/2025 736 -1.0% Central Europe CE 613 0.8% Southeastern Europe SEE 219 -22.4% Eastern Europe EE 1,584 -1.1% Group Corporates & Markets GC&M 3,297 -2.9% RBI Group NPE coverage ratio NPE ratio 4.0% 3.7% 3.3% 3.1% 82.5% 86.2% 85.1% 82.3% 0.0%0.0% 144 -9.1% Ukraine Ukraine
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01 Business & Financial Update 02 Risk Update 03 Appendix 30 January 2026
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Geographic Footprint 30 January 2026 26 Note: Ranking based on the latest data available on loans to customers. Central Europe (CE) Eastern Europe (EE) Leading regional player with CEE presence of over 30 years servicing approx. 19 million customers Covering Austria and 11 CEE markets, of which five are EU members. Four countries have candidate status. Top 5 market position in 8 countries Strong market position with Austrian corporates focusing on CEE Ukraine, #4 ▪ Loans: EUR 1.7 bn ▪ Business outlets: 266 Russia, #18 ▪ Loans: EUR 4.4 bn ▪ Business outlets: 66 Southeastern Europe (SEE) Ukraine Austria, #2 ▪ Loans: EUR 37.0 bn Czech Republic, #5 ▪ Loans: EUR 19.7 bn ▪ Business outlets: 126 Hungary, #6 ▪ Loans: EUR 5.4 bn ▪ Business outlets: 68 Slovakia, #3 ▪ Loans: EUR 16.2 bn ▪ Business outlets: 139 Croatia, #6 ▪ Loans: EUR 3.9 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 1.5 bn ▪ Business outlets: 76 Romania, #4 ▪ Loans: EUR 9.9 bn ▪ Business outlets: 269 Serbia, #6 ▪ Loans: EUR 3.5 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 265 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 January 2026 Ukraine 27
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Q4/2025 Income Statement and KPIs 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income 2.85% Net interest margin Q4/2025 q-o-q -8 bps Cost/income ratio Q4/2025 48.0% q-o-q +4 pp % y-o-y % q-o-q Q4/2025(in EUR mn) Net interest income 1,443 -1% -4% Net fee and commission income 699 +3% +5% Operating income 2,255 +0% +2% Staff expenses -614 +7% +29% Operating result 1,160 -7% -8% Other result -356 +476% -66% Consolidated profit 445 -43% - Other operating components1 74 +1% - Net trading income & fair value result 40 -9% +11% Other administrative expenses -343 +11% -1% Depreciation -139 +13% +10% General administrative expenses -1,096 +9% +16% Impairment losses on financial assets 12 - - Gov. measures & compulsory contributions +5%-54 +109% … … … … 30 January 2026 28 Consolidated return on equity Q4/2025 14.7% q-o-q -1.8 pp
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Q4/2025 Income Statement and KPIs Adjusted excluding Russia 2.26% Net interest margin Q4/2025 q-o-q -4 bps Q4/2025 54.1% q-o-q +3.2 pp % y-o-y % q-o-q Q4/2025(in EUR mn) Net interest income 1,054 -0% +1% Net fee and commission income 529 +5% +6% Operating income 1,630 0% +4% Staff expenses -469 +6% -0% Operating result 736 -6% +11% Other result -13 -81% -94% Consolidated profit 416 -9% +226% Other operating components1 65 -12% - Net trading income & fair value result -18 48% - Other administrative expenses -311 +9% -3% Depreciation -114 +5% -1% General administrative expenses -894 +7% -1% Impairment losses on financial assets -72 +480% -45% Gov. measures & compulsory contributions +6%-49 +137% … … … … 30 January 2026 12.4% q-o-q -1.6pp Consolidated return on equity Q4/2025 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income Cost/income ratio 29
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Total Exposure 30 January 2026 30 Total exposure by segments – Q4/2025 in EUR bn, % q-o-q … by sector – Q4/2025 in EUR bn CRE – Sectors (GICs) EUR 15 bn CRE - Country of risk Czechia 27% Austria 21% Slovakia 16% Germany 10% Romania 9% Hungary 6% Croatia 2% Other 9% Residential 29% Office 21% Retail 13% Industrial 10% Diversified 9% Hotels & Resorts 7% Real Estate Development 3% Operating 5% Other 3% +4.5%+1.3% 86.1 43.6 27.1 14.3 1.0 48.8 22.3 9.1 8.5 3.4 3.5 2.0 5.6 17.3 CZ SK HU PL RO HR RS BH AL KO UA RU GC&M -0.4% SEE +5.2% Ukraine 97.5 EUR 255 bn +1.3% q-o-q EE CE +0.5% 13 8 2 14 15 14 9 26 27 71 24 31 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 January 2026 18.2% 17.9% Transitional (including results) 31/12/2025 30/09/2025 q-o-q -26 bps - -32 bps Credit risk Group Retained earnings +45 bps Operational & Market risk -4 bps OCI, valuation & other effects +5 bps FX -13 bps - + 31 - + -
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Q4/2025 RWA Development – RBI Group 30 January 2026 32 97.5 1.8 0.3 0.9 0.4 100.9 30/09/2025 31/12/2025 FX Market risk Operational risk RWA in EUR bn Credit risk RBI Group including Russia RBI Group y-o-y 95.6 2.3 2.2 100.9 -0.4 1.3 31/12/2024 31/12/2025 Credit risk Op. risk Market risk FX Incl. EUR -4.4 bn CRR3 effect
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Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q4/2025 Segments Overview 4,926 4,722 4,546 4,415 10.37% 10.08% 9.48% 8.93% 1.00% - 10,000 38,309 39,527 40,828 42,222 2.57% 2.36% 2.39% 2.33% -4.00% 1.00% 6.00% 20,000 40,000 Q4/25 +8% -2% 33 bps q-o-q +0% -3% Q4/25Q2/25Q1/25 Q4/25 -743 bps q-o-qQ4/25 191 420NII Net Fees 610 q-o-q 560 170 389 20,480 20,418 21,080 21,695 3.80% 3.78% 3.86% 3.76% 0.00% 5.00% 10.00% 11,000 21,000 153 179 45 bps +23 bps EUR 170 mn -8% +2%153 354 +0% EUR 196 mn EUR 32 mn EUR 119 mn +37 bps - 10 pp +33 bps -18% -90% +47% (in EUR mn) Q3/25 36,238 36,427 35,324 35,954 1.21% 1.24% 1.12% 1.18% -2.00% 3.00% 25,000 30,000 35,000 40,000 74 bps +1% +5% 30 January 2026 508 332 CE SEE EE Ukraine GC&M 14 98 EUR 71 mn -9 bps +30% 1,486 1,436 1,575 1,697 8.86% 8.93% 8.91% 8.67% 0.00% 10.00% 20.00% 1 1,001 -438 bps +16% -3% 113 33
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Raiffeisen Capital Management 30 January 2026 EUR 68 bn FY/22 FY/23 FY/24 FY/25 60 72 90 109 117 122 126 126 177 194 217 235 Raiffeisen Capital Management Local Asset Management Units 33 42 54 68 40 35 35 3373 77 89 100 AUM Net revenues in EUR mn Net profit after tax in EUR mn 69% 31% Business line Retail 65% Institutional 35% 40% 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 2026 priorities for Raiffeisen Capital Management: Digitization of discretionary portfolio management plus simplification of digital end2end public funds distribution, Releasing a Capital Markets App 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 (about 935.000) in Austria and CEE Develop further our passive Product Universe such as the ETF Fund of Fund (index selection equity) and the “Ratio Funds” Launch of several fixed-term 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” 343 employees with passion, thereof 73 investment professionals and 55 sales representatives, on Group Asset Management level 562 employees, including 116 investment professionals 34
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Corporate Center/Reconciliation 30 January 2026 35 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 1-12/2025 1-12/2024 y-o-y Operating income (1,564) (1,317) 18.7% General admin. expenses 225 228 -1.3% Operating result (1,338) (1,089) 22.9% Other result (8) (7) 13.9% Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (10) 8 – Profit/loss before tax (1,356) (1,088) 24.7% Profit/loss after tax (1,358) (1,089) 24.7% In EUR mn Q4/2025 Q3/2025 q-o-q Operating income (90) (141) (36.1%) General admin. expenses 76 51 48.3% Operating result (15) (90) (83.8%) Other result (36) 27 – Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (2) (0) >500,0% Profit/loss before tax (52) (63) (17.6%) Profit/loss after tax (56) (66) (14.5%) In EUR mn 1-12/2025 1-12/2024 y-o-y Operating income 1,419 1,120 26.6% General admin. expenses (487) (497) (2.0%) Operating result 931 623 49.5% Other result 20 (54) – Governmental measures and compulsory contributions (42) (9) 356.2% Impairment losses on financial assets 64 5 >500,0% Profit/loss before tax 973 565 72.2% Profit/loss after tax 1,039 (177) – In EUR mn Q4/2025 Q3/2025 q-o-q Operating income 57 118 (51.7%) General admin. expenses (140) (105) 33.7% Operating result (83) 13 – Other result 33 (24) – Governmental measures and compulsory contributions (19) (8) 147.4% Impairment losses on financial assets 17 34 -50.4% Profit/loss before tax (53) 16 – Profit/loss after tax (25) 33 –
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Equity Overview 30 January 2026 36 Earnings per share up EUR 0.63 (1-12/2025: EUR 3.82 vs. 1-12/2024: EUR 3.19) 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 59.14 at 31/12/2025 resp. EUR 52.59 at 31/12/2024 Total comprehensive income of EUR 2,875 mn (1-12/2024: EUR 1,024 mn) impacted by profit after tax (EUR 1,621 mn), exchange differences (EUR 1,098 mn, driven by RUB), cash-flow hedge (EUR 163 mn, driven by Russia), fair value changes of financial assets (EUR 37mn, driven by Romania), deferred taxes (minus EUR 52 mn, driven by Russia) and from net investment hedge (minus EUR 15mn, 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) (174) (174) AT1 capital dividend allotment 0 0 (120) 0 (120) 0 120 0 Dividend payments 0 0 (361) 0 (361) (129) (120) (609) Own shares (1) (4) 0 0 (4) 0 4 (0) Other changes 0 0 24 (12) 12 7 13 32 Total comprehensive income 0 0 1,371 1,256 2,627 248 0 2,875 Equity as at 31/12/2025 1,001 4,986 17,127 (3,661) 19,452 1,386 1,625 22,463
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Consolidated RoE Calculation excl. Russia – Overview 30 January 2026 Average equity excl. Russia FY/2024 1-12/2025 FY/2026 (guidance) AT1 coupons (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 12,516 mn EUR -118 mn Reported consolidated RoE uses the average of monthly equity, excluding profit year-to-date EUR 866 mn EUR 1,325 mn 10.6% EUR -118 mn (guidance) 37 13.3% 13.4% around 10.5% EUR 649 mn … legal cost for FX loans in Poland EUR 64 mn EUR 296 mn EUR 56 mn Consolidated Profit EUR 975 mn EUR 1,443 mn EUR ~13.3 bn (assumed) EUR ~200 mn (guidance) EUR ~65 mn (guidance) around 12.5% The AT1 coupons are deducted from the reported consolidated profit
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Regulatory Capital Structure - Overview 30 January 2026 38 in EUR mn 31/12/2025 30/9/2025 30/6/2025 Common equity tier 1 (before deductions) 19,027 18,137 18,329 Deduction items (934) (844) (862) Common equity tier 1 (after deductions) 18,093 17,293 17,468 Additional tier 1 (after deductions) 1,684 1,680 1,680 Tier 1 (after deductions) 19,776 18,974 19,148 Tier 2 (after deductions) 2,174 2,257 2,286 Total capital 21,951 21,231 21,434 Risk-weighted assets (total RWA) 100,924 97,524 96,086 Common equity tier 1 ratio (transitional - incl. result) 17.9% 18.2% 18.2% Tier 1 ratio (transitional - incl. result) 19.6% 19.9% 19.9% Total capital ratio (transitional - incl. result) 21.7% 22.2% 22.3% Leverage ratio (transitional) 8.9% 7.9% 8.3% Leverage exposure (total) 221,527 241,150 231,138
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Maturity Profile 30 January 2026 39 2,350 2,359 2,021 1,179 1,998 743 522 522 606 1,000 500 1,650 154 313 302 2026 30 2027 2028 2029 2030 2031 2032 2033 6 2034 2035 0 2036 10 >2036 2,350 2,389 2,175 1,179 2,311 1,045 1,522 1,022 6 606 0 1,660 Senior placements Subordinated Additional Tier 1 Other Maturity Profile at 31/12/2025 (in EUR mn)
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AT1 and Subordinated Instruments 30 January 2026 40 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 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 Above as of 31 December 2025 In January 2026 RBI issued EUR 650 mn of AT1 in connection with a tender offer for the AT1 of 2020 (XS2207857421), of which the remaining aggregate principal amount outstanding is EUR 141 mn
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Liquidity Stress Test in Head Office 30 January 2026 41 5,534 6,066 5,111 4,870 4,767 4,435 4,477 4,444 3,350 4,167 931 445 789 982 947 1,084 1,086 1,040 1,105 1,146 7,173 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 30d 60d 90d 4m 5m 6m 7m 8m 9m 12m Net liquidity position in severe name crisis scenario is positive, with EUR >4 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 All currencies - 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 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 January 2026 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 42 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, and EUR -6 mn in 2025 The IPS fund’s target volume is EUR 1,126 mn based on FY/2024 figures. The fund size at Q4/2025 was EUR 1,155 mn. RBI’s share of the IPS fund amounts to EUR 545 mn
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Bank Levies 30 January 2026 Note: Special taxes for banks (“windfall taxes”) are partially booked as part of income taxes. 43 FY 2024 FY 2025 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 23 78 ~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 was 7%, above 18%, in 2026 under HUF 20 billion it is 10% above 30% 63 55 ~112 Poland Bank levy of 0.44%, based on total assets less PLN 4 bn flat amount, own funds and treasury securities. 2 3 ~4 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 42 ~54 Total Bank levies 112 178 ~246 Albania 1 2 ~2 Czech Republic 8 2 ~3 Hungary 2 2 ~2 Romania 4 4 ~5 Serbia 0 0 ~2 Slovakia 0 0 ~1 Total Resolution fund 15 10 ~15 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 January 2026 44 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 31/12/2025 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 Czech Republic 284 0.8% 0.9% 53.1% 50.4% 1.0% 1.1% 53.1% 50.4% Hungary 87 0.8% 1.3% 44.9% 41.0% 1.1% 2.0% 43.4% 40.2% Poland 88 5.3% 9.1% 88.9% 81.9% 5.3% 9.1% 88.9% 81.9% Slovakia 276 1.2% 1.3% 58.5% 59.2% 1.5% 1.6% 58.5% 59.2% Central Europe 736 1.0% 1.3% 58.5% 56.7% 1.3% 1.6% 58.5% 56.7% Albania 70 2.2% 2.6% 73.2% 74.1% 3.6% 4.1% 73.2% 74.1% Bosnia & Herzegovina 60 2.0% 2.2% 76.1% 72.0% 2.3% 2.4% 76.1% 72.0% Croatia 126 1.6% 1.7% 59.7% 62.0% 2.2% 2.3% 59.7% 62.0% Kosovo 49 3.2% 2.4% 76.2% 74.1% 3.2% 2.9% 76.2% 74.1% Romania 246 1.5% 1.5% 61.5% 65.2% 2.0% 1.9% 61.5% 65.2% Serbia 62 1.2% 1.4% 64.7% 60.2% 1.2% 1.6% 64.7% 60.2% Southeastern Europe 613 1.6% 1.7% 65.4% 66.2% 2.1% 2.1% 65.4% 66.2% Russia 219 1.2% 1.6% 78.8% 69.0% 1.3% 1.6% 78.8% 69.0% Eastern Europe 219 1.2% 1.6% 78.8% 69.0% 1.3% 1.6% 78.8% 69.0% Ukraine 144 3.1% 4.4% 82.3% 82.5% 4.4% 5.8% 82.3% 82.5% GC&M 1,584 2.9% 3.5% 25.9% 39.4% 3.0% 3.6% 25.9% 39.4% Total RBI Group 3,297 1.7% 2.1% 46.5% 51.6% 2.2% 2.5% 46.5% 51.6%
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RBI Group 30 January 2026 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 45 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 1,443 1,459 (1.0%) 1,468 1,504 1,511 5,874 5,779 1.6% 5,779 Net fee and commission income 699 679 2.9% 685 668 668 2,731 2,638 3.5% 2,638 Net trading income and fair value result 40 44 (9.1%) 114 56 36 253 111 127.9% 111 Other net operating income 47 51 (8.7%) 27 27 (1) 151 84 80.9% 84 Operating income 2,255 2,254 0.1% 2,319 2,269 2,205 9,097 8,701 4.6% 8,701 General administrative expenses (1,096) (1,005) 9.0% (1,038) (995) (948) (4,134) (3,786) 9.2% (3,786) Operating result 1,160 1,249 (7.1%) 1,281 1,274 1,258 4,963 4,915 1.0% 4,915 Other result (356) (62) 476.3% (1,435) (65) (1,032) (1,918) (1,590) 20.6% (1,590) Gov. measures and compulsory contrib. (54) (51) 5.2% (43) (121) (26) (270) (216) 25.2% (216) Impairment losses on financial assets 12 (44) – (66) (43) (13) (141) (125) 12.9% (125) Profit/loss before tax 762 1,092 (30.2%) (263) 1,044 186 2,634 2,984 (11.7%) 2,984 Profit/loss after tax from continuing op. 506 847 (40.2%) (495) 763 (95) 1,621 2,031 (20.2%) 2,031 Profit/loss after tax 506 847 (40.2%) (495) 763 (895) 1,621 1,358 19.4% 1,358 Consolidated profit/loss 445 778 (42.9%) (557) 705 (926) 1,371 1,157 18.5% 1,157 Return on equity before tax1 19.3% 20.9% (1.6 PP) 13.1% 19.9% 0.4% 12.5% 15.4% (2.9 PP) 15.4% Return on equity after tax1 14.4% 16.2% (1.8 PP) 8.7% 14.5% – 7.7% 9.7% (2.0 PP) 9.7% Consolidated return on equity 14.7% 16.6% (1.8 PP) 8.0% 15.0% – 6.9% 9.4% (2.5 PP) 9.4% Net interest margin1 2.85% 2.93% (0.08 PP) 3.00% 3.06% 3.13% 2.95% 2.98% (0.02 PP) 2.98% Cost/income ratio 48.0% 44.0% 4.0 PP 44.2% 43.3% 42.3% 44.8% 43.0% 1.8 PP 43.0% Loan/deposit ratio 82.0% 83.2% (1.2 PP) 82.9% 82.9% 82.7% 82.0% 82.7% (0.7 PP) 82.7% Provisioning ratio1 0.03% 0.13% (0.10 PP) 0.24% 0.18% 0.02% 0.14% 0.22% (0.07 PP) 0.22% NPE ratio 1.7% 1.7% (0.1 PP) 1.8% 1.9% 2.1% 1.7% 2.1% (0.4 PP) 2.1% NPE coverage ratio 46.5% 49.8% (3.3 PP) 50.2% 48.4% 51.6% 46.5% 51.6% (5.1 PP) 51.6% Total assets 210,265 209,110 0.6% 203,507 204,794 199,851 210,265 199,851 5.2% 199,851 RWA 100,924 97,524 3.5% 96,086 95,027 95,600 100,924 95,600 5.6% 95,600 Equity 22,463 22,091 1.7% 21,174 21,842 20,340 22,463 20,340 10.4% 20,340 Loans to customers 105,610 103,027 2.5% 102,202 100,979 99,551 105,610 99,551 6.1% 99,551 - Hereof non-financial corporations %2 45.1% 44.7% 0.4 PP 44.8% 45.3% 45.5% 45.1% 45.5% (0.4 PP) 45.5% - Hereof households %2 41.8% 41.6% 0.2 PP 40.9% 40.4% 40.3% 41.8% 40.3% 1.5 PP 40.3% - Hereof FCY % – – – – – – – – – – Deposits from customers 127,575 125,284 1.8% 121,440 119,984 117,717 127,575 117,717 8.4% 117,717 Business outlets 1,322 1,352 (2.2%) 1,368 1,386 1,391 1,322 1,391 (5.0%) 1,391 Number of employees 42,425 42,581 (0.4%) 42,765 42,948 42,564 42,425 42,564 (0.3%) 42,564 Number of customers (in mn) 18.6 18.2 2.0% 18.1 18.0 17.9 18.6 17.9 3.9% 17.9 In EUR mn
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RBI Core Group – excl. Russia and Belarus 30 January 2026 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 46 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 1,054 1,056 (0.2%) 1,027 1,046 1,042 4,184 4,155 0.7% 4,155 Net fee and commission income 529 505 4.7% 502 466 497 2,002 1,845 8.5% 1,845 Net trading income and fair value result (18) (12) 47.8% 59 (27) 41 1 61 (98.9%) 61 Other net operating income 38 52 (27.1%) 26 28 (2) 146 95 53.9% 95 Operating income 1,630 1,622 0.5% 1,639 1,529 1,568 6,420 6,243 2.8% 6,243 General administrative expenses (894) (837) 6.7% (874) (850) (906) (3,456) (3,311) 4.4% (3,311) Operating result 736 785 (6.2%) 765 678 662 2,964 2,933 1.1% 2,933 Other result (13) (65) (80.8%) (166) (66) (196) (310) (748) (58.5%) (748) Gov. measures and compulsory contrib. (49) (46) 5.8% (37) (116) (21) (248) (185) 34.0% (185) Impairment losses on financial assets (72) (12) 479.6% (62) (46) (130) (192) (287) (33.1%) (287) Profit/loss before tax 603 661 (8.8%) 500 450 315 2,214 1,712 29.3% 1,712 Profit/loss after tax from continuing op. 478 528 (9.4%) 369 318 155 1,693 1,158 46.2% 1,158 Profit/loss after tax 478 528 (9.4%) 369 318 155 1,693 1,158 46.2% 1,158 Consolidated profit/loss 416 460 (9.5%) 307 260 128 1,443 975 47.9% 975 Return on equity before tax1 15.6% 17.3% (1.7 PP) 13.1% 11.4% 2.9% 14.3% 10.4% 3.9 PP 10.4% Return on equity after tax1 12.4% 13.9% (1.4 PP) 9.6% 8.1% 4.0% 11.0% 8.0% 3.0 PP 8.0% Consolidated return on equity 12.4% 14.0% (1.6 PP) 8.9% 7.3% 3.1% 10.6% 7.3% 3.3 PP 7.3% Net interest margin1 2.26% 2.30% (0.04 PP) 2.27% 2.31% 2.32% 2.28% 2.33% (0.05 PP) 2.33% Cost/income ratio 54.1% 50.9% 3.2 PP 52.6% 55.0% 57.2% 53.1% 52.5% 0.6 PP 52.5% Loan/deposit ratio 87.2% 88.5% (1.3 PP) 88.3% 88.4% 87.2% 87.2% 87.2% 0.0 PP 87.2% Provisioning ratio1 0.37% 0.01% 0.36 PP 0.23% 0.20% 0.42% 0.20% 0.27% (0.07 PP) 0.27% NPE ratio 1.7% 1.7% (0.0 PP) 1.8% 1.9% 2.1% 1.7% 2.1% (0.4 PP) 2.1% NPE coverage ratio 44.2% 47.7% (3.4 PP) 48.3% 46.3% 50.4% 44.2% 50.4% (6.1 PP) 50.4% Total assets 193,191 192,826 0.2% 187,704 187,535 184,961 193,191 184,961 4.5% 184,961 RWA3 80,932 78,639 2.9% 76,441 74,430 78,325 80,932 78,325 3.3% 78,325 Equity 16,836 16,716 0.7% 15,823 15,730 15,446 16,836 15,446 9.0% 15,446 Loans to customers 101,195 98,481 2.8% 97,480 96,053 95,363 101,195 95,363 6.1% 95,363 - Hereof non-financial corporations %2 46.0% 45.6% 0.3 PP 45.8% 46.1% 46.0% 46.0% 46.0% (0.0 PP) 46.0% - Hereof households %2 41.6% 41.5% 0.1 PP 40.8% 40.3% 40.1% 41.6% 40.1% 1.5 PP 40.1% - Hereof FCY % – – – – – – – – – – Deposits from customers 117,277 115,131 1.9% 110,764 109,314 108,205 117,277 108,205 8.4% 108,205 Business outlets 1,256 1,284 (2.2%) 1,294 1,303 1,302 1,256 1,302 (3.5%) 1,302 Number of employees 33,903 33,967 (0.2%) 34,108 34,202 33,701 33,903 33,701 0.6% 33,701 Number of customers (in mn) 15.7 15.3 2.8% 15.1 14.9 14.7 15.7 14.7 7.1% 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 January 2026 47 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 167 175 (4.5%) 165 165 169 671 622 8.0% 622 Net fee and commission income 62 58 6.9% 52 47 49 219 179 21.8% 179 Net trading income and fair value result 5 3 59.9% 6 6 2 20 16 25.5% 16 Other net operating income 1 7 (90.2%) 3 5 5 16 13 26.6% 13 Operating income 238 242 (1.4%) 226 222 225 929 831 11.7% 831 General administrative expenses (106) (107) (0.9%) (103) (100) (98) (416) (387) 7.6% (387) Operating result 132 134 (1.8%) 124 122 128 512 444 15.3% 444 Other result 0 0 334.0% 1 (0) (0) 1 0 >500,0% 0 Gov. measures and compulsory contrib. (0) (0) (15.3%) 2 (10) 0 (9) (14) (35.2%) (14) Impairment losses on financial assets (25) 3 – 6 (2) (13) (19) (16) 17.5% (16) Profit/loss before tax 107 137 (22.2%) 132 110 114 486 415 17.1% 415 Profit/loss after tax 92 116 (20.5%) 111 89 106 409 353 15.9% 353 Return on equity before tax1 17.6% 23.5% (5.9 PP) 23.6% 18.4% 20.1% 21.7% 19.5% 2.1 PP 19.5% Return on equity after tax1 15.3% 20.0% (4.7 PP) 19.7% 15.0% 18.7% 18.2% 16.6% 1.6 PP 16.6% Net interest margin1 1.80% 1.94% (0.15 PP) 2.00% 2.08% 2.15% 1.95% 2.04% (0.09 PP) 2.04% Cost/income ratio 44.6% 44.4% 0.2 PP 45.4% 45.1% 43.2% 44.8% 46.5% (1.7 PP) 46.5% Loan/deposit ratio 67.1% 67.3% (0.2 PP) 68.5% 69.9% 71.3% 67.1% 71.3% (4.2 PP) 71.3% Provisioning ratio1 0.52% (0.05%) 0.57 PP (0.14%) 0.04% 0.31% 0.10% 0.10% 0.00 PP 0.10% NPE ratio 0.8% 0.8% 0.0 PP 0.8% 0.9% 0.9% 0.8% 0.9% (0.1 PP) 0.9% NPE coverage ratio 53.1% 51.2% 1.9 PP 53.4% 51.9% 50.4% 53.1% 50.4% 2.7 PP 50.4% Total assets 36,472 38,095 (4.3%) 34,343 32,958 31,995 36,472 31,995 14.0% 31,995 RWA 10,654 10,947 (2.7%) 10,581 10,483 11,041 10,654 11,041 (3.5%) 11,041 Equity 2,572 2,486 3.5% 2,404 2,290 2,420 2,572 2,420 6.3% 2,420 Loans to customers 19,695 19,036 3.5% 18,453 17,930 17,805 19,695 17,805 10.6% 17,805 - Hereof non-financial corporations %2 35.9% 35.7% 0.3 PP 36.5% 37.0% 37.2% 35.9% 37.2% (1.3 PP) 37.2% - Hereof households %2 59.9% 59.9% 0.0 PP 59.1% 58.7% 58.1% 59.9% 58.1% 1.8 PP 58.1% - Hereof FCY % 21.8% 21.7% 0.1 PP 23.0% 24.2% 25.1% 21.8% 25.1% (3.2 PP) 25.1% Deposits from customers 30,669 32,332 (5.1%) 28,560 27,019 26,131 30,669 26,131 17.4% 26,131 Business outlets 126 127 (0.8%) 127 127 127 126 127 (0.8%) 127 Number of employees 3,807 3,773 0.9% 3,723 3,708 3,667 3,807 3,667 3.8% 3,667 Number of customers (in mn) 2.5 2.5 1.4% 2.4 2.4 2.2 2.5 2.2 11.0% 2.2 In EUR mn
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Country Financials (CE) – Hungary 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 108 102 6.6% 92 118 109 420 472 (11.0%) 472 Net fee and commission income 75 68 10.4% 68 67 66 278 232 19.7% 232 Net trading income and fair value result (22) (2) >500,0% 7 (14) 7 (30) (24) 25.4% (24) Other net operating income (2) 1 – 1 0 2 0 (1) – (1) Operating income 159 171 (6.8%) 169 171 186 670 697 (3.9%) 697 General administrative expenses (103) (87) 17.7% (87) (82) (95) (358) (313) 14.4% (313) Operating result 57 84 (32.2%) 82 89 91 311 384 (18.8%) 384 Other result (1) (1) 93.5% (2) 0 (2) (4) (5) (15.7%) (5) Gov. measures and compulsory contrib. (1) (1) 2.0% (1) (57) (0) (61) (68) (11.0%) (68) Impairment losses on financial assets (2) (1) 29.4% 15 9 (1) 21 34 (36.2%) 34 Profit/loss before tax 52 80 (35.1%) 94 42 88 268 344 (22.1%) 344 Profit/loss after tax 44 69 (36.4%) 81 33 76 226 297 (23.8%) 297 Return on equity before tax1 19.5% 32.9% (13.4 PP) 41.2% 15.0% 32.7% 27.6% 35.2% (7.6 PP) 35.2% Return on equity after tax1 16.4% 28.2% (11.8 PP) 35.4% 11.8% 28.2% 23.3% 30.4% (7.1 PP) 30.4% Net interest margin1 3.56% 3.37% 0.18 PP 3.15% 4.08% 3.82% 3.54% 4.03% (0.50 PP) 4.03% Cost/income ratio 57.1% 42.6% 14.6 PP 43.4% 40.1% 44.3% 45.5% 38.8% 6.7 PP 38.8% Loan/deposit ratio 63.8% 64.0% (0.2 PP) 63.0% 60.7% 61.4% 63.8% 61.4% 2.4 PP 61.4% Provisioning ratio1 0.14% 0.03% 0.12 PP (1.26%) (0.71%) (0.12%) (0.42%) (0.78%) 0.36 PP (0.78%) NPE ratio 0.8% 0.7% 0.0 PP 0.8% 1.2% 1.3% 0.8% 1.3% (0.5 PP) 1.3% NPE coverage ratio 44.9% 47.2% (2.3 PP) 45.2% 41.3% 41.0% 44.9% 41.0% 3.9 PP 41.0% Total assets 12,190 12,497 (2.5%) 12,008 11,971 11,217 12,190 11,217 8.7% 11,217 RWA 4,613 4,753 (2.9%) 4,674 4,392 4,398 4,613 4,398 4.9% 4,398 Equity 1,155 1,097 5.3% 1,005 930 1,170 1,155 1,170 (1.3%) 1,170 Loans to customers 5,393 5,175 4.2% 4,914 4,676 4,551 5,393 4,551 18.5% 4,551 - Hereof non-financial corporations %2 58.5% 58.7% (0.2 PP) 58.5% 60.3% 60.1% 58.5% 60.1% (1.6 PP) 60.1% - Hereof households %2 33.1% 32.5% 0.6 PP 32.7% 33.1% 32.6% 33.1% 32.6% 0.5 PP 32.6% - Hereof FCY % 44.8% 43.9% 0.9 PP 44.5% 44.6% 44.7% 44.8% 44.7% 0.1 PP 44.7% Deposits from customers 8,610 8,620 (0.1%) 8,260 8,323 7,807 8,610 7,807 10.3% 7,807 Business outlets 68 68 0.0% 68 68 68 68 68 0.0% 68 Number of employees 3,016 3,004 0.4% 2,973 2,972 2,502 3,016 2,502 20.5% 2,502 Number of customers (in mn) 0.5 0.5 2.6% 0.5 0.5 0.5 0.5 0.5 3.0% 0.5 In EUR mn
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Country Financials (CE) – Poland 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 3 5 (41.6%) 4 7 7 19 33 (40.7%) 33 Net fee and commission income (0) 0 – 0 0 0 0 1 (71.1%) 1 Net trading income and fair value result 0 (0) – 0 0 0 0 1 (61.9%) 1 Other net operating income 8 5 84.4% 5 4 12 22 20 6.4% 20 Operating income 11 10 19.4% 9 11 20 42 55 (24.2%) 55 General administrative expenses (32) (18) 76.5% (20) (21) (32) (92) (97) (5.3%) (97) Operating result (21) (9) 138.9% (10) (10) (12) (50) (42) 19.3% (42) Other result (2) (66) (96.6%) (161) (67) (156) (296) (649) (54.4%) (649) Gov. measures and compulsory contrib. (1) (1) (12.6%) (1) (1) (0) (3) (2) 39.0% (2) Impairment losses on financial assets (0) 2 – 2 19 (3) 24 16 46.2% 16 Profit/loss before tax (24) (74) (67.4%) (170) (58) (171) (325) (677) (52.0%) (677) Profit/loss after tax (24) (74) (67.4%) (170) (58) (171) (325) (677) (52.0%) (677) Return on equity before tax1 – – – – – – – – – – Return on equity after tax1 – – – – – – – – – – Net interest margin1 0.74% 1.19% (0.46 PP) 0.92% 1.72% 2.28% 1.14% 2.22% (1.08 PP) 2.22% Cost/income ratio – – – – – – – – – – Loan/deposit ratio – – – – – – – – – – Provisioning ratio1 0.06% (0.94%) 1.00 PP (0.96%) (8.13%) 1.20% (2.51%) (1.66%) (0.86 PP) (1.66%) NPE ratio 5.3% 5.4% (0.1 PP) 5.2% 5.1% 9.1% 5.3% 9.1% (3.9 PP) 9.1% NPE coverage ratio 88.9% 88.4% 0.5 PP 88.2% 87.0% 81.9% 88.9% 81.9% 7.0 PP 81.9% Total assets 1,601 1,667 (4.0%) 1,780 1,928 1,291 1,601 1,291 24.0% 1,291 RWA 2,053 2,166 (5.2%) 2,235 2,264 971 2,053 971 111.5% 971 Equity – – – – – – – – – – Loans to customers 929 915 1.5% 957 966 982 929 982 (5.5%) 982 - Hereof non-financial corporations %2 0.5% 0.5% (0.0 PP) 0.5% 0.8% 1.0% 0.5% 1.0% (0.5 PP) 1.0% - Hereof households %2 99.5% 99.5% 0.0 PP 99.5% 99.2% 99.0% 99.5% 99.0% 0.5 PP 99.0% - Hereof FCY % 97.7% 97.7% 0.1 PP 97.7% 97.7% 98.1% 97.7% 98.1% (0.4 PP) 98.1% Deposits from customers 12 12 (2.6%) 13 13 14 12 14 (13.2%) 14 Business outlets 1 1 0.0% 1 1 1 1 1 0.0% 1 Number of employees 330 330 0.0% 333 329 342 330 342 (3.5%) 342 Number of customers (in mn) 0.0 0.0 (5.5%) 0.0 0.0 0.0 0.0 0.0 (17.3%) 0.0 In EUR mn
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Country Financials (CE) – Slovakia 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 141 138 2.5% 132 128 126 539 480 12.5% 480 Net fee and commission income 54 51 7.0% 50 51 56 206 210 (1.8%) 210 Net trading income and fair value result 3 2 87.2% 4 4 4 13 13 (3.5%) 13 Other net operating income 2 11 (83.9%) 2 1 1 17 3 431.6% 3 Operating income 201 202 (0.6%) 188 184 189 775 711 9.0% 711 General administrative expenses (87) (81) 6.7% (84) (82) (79) (335) (302) 10.8% (302) Operating result 114 120 (5.5%) 104 102 110 440 409 7.7% 409 Other result (14) 0 – 0 (0) (0) (14) (3) 445.0% (3) Gov. measures and compulsory contrib. 0 0 – 0 (1) 0 (1) (1) 4.0% (1) Impairment losses on financial assets (8) (14) (46.3%) (12) 0 (14) (34) (26) 30.4% (26) Profit/loss before tax 92 106 (13.6%) 93 101 96 391 379 3.2% 379 Profit/loss after tax 58 75 (22.2%) 64 66 68 263 244 7.9% 244 Return on equity before tax1 22.0% 26.6% (4.6 PP) 24.3% 23.4% 22.6% 25.0% 23.9% 1.1 PP 23.9% Return on equity after tax1 14.0% 18.7% (4.7 PP) 16.8% 15.5% 16.1% 16.8% 15.4% 1.5 PP 15.4% Net interest margin1 2.57% 2.63% (0.06 PP) 2.60% 2.52% 2.51% 2.58% 2.37% 0.20 PP 2.37% Cost/income ratio 43.4% 40.4% 3.0 PP 44.6% 44.6% 41.8% 43.2% 42.5% 0.7 PP 42.5% Loan/deposit ratio 99.8% 105.4% (5.6 PP) 103.2% 101.3% 97.4% 99.8% 97.4% 2.4 PP 97.4% Provisioning ratio1 0.18% 0.37% (0.19 PP) 0.31% (0.00%) 0.39% 0.21% 0.18% 0.03 PP 0.18% NPE ratio 1.2% 1.3% (0.1 PP) 1.3% 1.4% 1.3% 1.2% 1.3% (0.1 PP) 1.3% NPE coverage ratio 58.5% 61.1% (2.6 PP) 60.7% 60.3% 59.2% 58.5% 59.2% (0.8 PP) 59.2% Total assets 23,113 21,888 5.6% 21,065 20,386 21,001 23,113 21,001 10.1% 21,001 RWA 7,897 8,136 (2.9%) 7,835 7,714 8,022 7,897 8,022 (1.6%) 8,022 Equity 1,757 1,700 3.4% 1,626 1,559 1,792 1,757 1,792 (1.9%) 1,792 Loans to customers 16,208 15,705 3.2% 15,209 14,744 14,507 16,208 14,507 11.7% 14,507 - Hereof non-financial corporations %2 42.6% 43.3% (0.6 PP) 43.7% 43.7% 43.4% 42.6% 43.4% (0.7 PP) 43.4% - Hereof households %2 55.3% 54.9% 0.4 PP 54.5% 54.7% 55.2% 55.3% 55.2% 0.1 PP 55.2% - Hereof FCY % 0.2% 0.2% 0.1 PP 0.1% 0.1% 0.2% 0.2% 0.2% 0.0 PP 0.2% Deposits from customers 17,227 15,906 8.3% 15,739 15,592 15,699 17,227 15,699 9.7% 15,699 Business outlets 139 140 (0.7%) 141 141 141 139 141 (1.4%) 141 Number of employees 3,546 3,549 (0.1%) 3,541 3,569 3,558 3,546 3,558 (0.3%) 3,558 Number of customers (in mn) 1.5 1.5 1.0% 1.5 1.4 1.4 1.5 1.4 11.4% 1.4 In EUR mn
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Country Financials (SEE) – Albania 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 33 34 (0.5%) 33 33 33 132 131 0.6% 131 Net fee and commission income 5 8 (31.9%) 8 7 7 28 27 5.0% 27 Net trading income and fair value result 2 1 158.2% 1 2 1 6 4 27.6% 4 Other net operating income (1) 0 – 1 (0) 1 0 (0) – (0) Operating income 40 42 (5.6%) 45 41 42 167 163 2.7% 163 General administrative expenses (21) (17) 21.1% (18) (16) (18) (72) (64) 12.5% (64) Operating result 19 25 (23.8%) 27 24 24 96 99 (3.6%) 99 Other result (1) 0 – 0 0 (1) (1) (1) (9.9%) (1) Gov. measures and compulsory contrib. (2) (2) 3.5% (2) (3) (2) (9) (8) 7.7% (8) Impairment losses on financial assets 1 1 (25.8%) (0) 4 (7) 5 (1) – (1) Profit/loss before tax 17 24 (28.6%) 25 25 15 91 90 1.8% 90 Profit/loss after tax 14 20 (30.1%) 21 21 12 77 76 0.6% 76 Return on equity before tax1 19.0% 27.5% (8.5 PP) 29.7% 29.4% 18.0% 28.4% 31.0% (2.6 PP) 31.0% Return on equity after tax1 15.8% 23.3% (7.5 PP) 25.0% 25.0% 15.5% 24.0% 26.5% (2.5 PP) 26.5% Net interest margin1 4.25% 4.35% (0.10 PP) 4.44% 4.59% 4.83% 4.41% 4.88% (0.47 PP) 4.88% Cost/income ratio 52.1% 40.6% 11.4 PP 39.4% 40.1% 43.7% 42.9% 39.1% 3.7 PP 39.1% Loan/deposit ratio 55.1% 54.1% 1.0 PP 55.0% 54.4% 52.1% 55.1% 52.1% 2.9 PP 52.1% Provisioning ratio1 (0.14%) (0.27%) 0.13 PP 0.05% (1.12%) 2.16% (0.36%) 0.08% (0.44 PP) 0.08% NPE ratio 2.2% 2.3% (0.1 PP) 2.3% 2.5% 2.6% 2.2% 2.6% (0.4 PP) 2.6% NPE coverage ratio 73.2% 73.4% (0.2 PP) 74.8% 74.9% 74.1% 73.2% 74.1% (0.9 PP) 74.1% Total assets 3,367 3,308 1.8% 3,246 3,061 3,089 3,367 3,089 9.0% 3,089 RWA 1,918 1,958 (2.1%) 1,922 1,738 1,858 1,918 1,858 3.2% 1,858 Equity 375 384 (2.5%) 359 358 340 375 340 10.1% 340 Loans to customers 1,507 1,429 5.4% 1,401 1,341 1,317 1,507 1,317 14.4% 1,317 - Hereof non-financial corporations %2 52.7% 51.9% 0.8 PP 53.2% 53.9% 54.2% 52.7% 54.2% (1.4 PP) 54.2% - Hereof households %2 47.2% 47.9% (0.7 PP) 46.7% 46.1% 45.8% 47.2% 45.8% 1.4 PP 45.8% - Hereof FCY % 35.4% 35.6% (0.1 PP) 36.4% 38.3% 38.3% 35.4% 38.3% (2.9 PP) 38.3% Deposits from customers 2,818 2,722 3.5% 2,627 2,552 2,617 2,818 2,617 7.7% 2,617 Business outlets 76 76 0.0% 76 76 76 76 76 0.0% 76 Number of employees 1,354 1,343 0.8% 1,323 1,304 1,294 1,354 1,294 4.6% 1,294 Number of customers (in mn) 0.5 0.5 4.9% 0.5 0.5 0.5 0.5 0.5 8.6% 0.5 In EUR mn
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Country Financials (SEE) – Bosnia and Herzegovina 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 22 22 1.2% 21 22 22 87 88 (1.4%) 88 Net fee and commission income 17 17 1.3% 15 14 17 63 60 4.6% 60 Net trading income and fair value result 0 (0) – 0 0 (1) 0 0 62.8% 0 Other net operating income 3 (0) – 1 1 0 4 2 73.5% 2 Operating income 42 38 8.7% 39 36 38 155 152 1.5% 152 General administrative expenses (21) (18) 21.1% (18) (16) (22) (73) (71) 3.5% (71) Operating result 20 21 (1.8%) 21 20 16 82 82 (0.2%) 82 Other result 4 0 >500,0% (0) (0) 0 4 0 >500,0% 0 Gov. measures and compulsory contrib. (2) (2) 2.1% (2) (2) (1) (6) (6) 5.3% (6) Impairment losses on financial assets (2) (1) 48.7% (0) (2) (4) (6) 5 – 5 Profit/loss before tax 21 18 15.3% 19 17 11 74 81 (8.6%) 81 Profit/loss after tax 20 16 20.3% 17 15 9 68 74 (8.3%) 74 Return on equity before tax1 19.5% 17.6% 1.9 PP 18.6% 16.3% 11.1% 18.9% 23.6% (4.8 PP) 23.6% Return on equity after tax1 18.5% 16.0% 2.5 PP 16.9% 14.6% 9.4% 17.3% 21.6% (4.3 PP) 21.6% Net interest margin1 3.05% 3.09% (0.04 PP) 3.12% 3.20% 3.35% 3.11% 3.43% (0.32 PP) 3.43% Cost/income ratio 51.0% 45.8% 5.2 PP 46.7% 45.4% 57.6% 47.3% 46.4% 0.9 PP 46.4% Loan/deposit ratio 69.5% 69.8% (0.4 PP) 71.0% 71.6% 68.2% 69.5% 68.2% 1.2 PP 68.2% Provisioning ratio1 0.43% 0.33% 0.10 PP 0.06% 0.41% 1.07% 0.31% (0.32%) 0.63 PP (0.32%) NPE ratio 2.0% 2.0% 0.0 PP 2.1% 2.2% 2.2% 2.0% 2.2% (0.1 PP) 2.2% NPE coverage ratio 76.1% 77.0% (0.9 PP) 77.0% 80.3% 72.0% 76.1% 72.0% 4.1 PP 72.0% Total assets 3,149 3,098 1.6% 3,015 2,929 2,975 3,149 2,975 5.8% 2,975 RWA 1,549 1,628 (4.9%) 1,598 1,578 1,604 1,549 1,604 (3.4%) 1,604 Equity 455 435 4.5% 419 420 405 455 405 12.2% 405 Loans to customers 1,698 1,676 1.3% 1,657 1,619 1,588 1,698 1,588 6.9% 1,588 - Hereof non-financial corporations %2 34.8% 36.3% (1.5 PP) 36.9% 37.2% 36.7% 34.8% 36.7% (1.9 PP) 36.7% - Hereof households %2 61.6% 60.7% 0.9 PP 60.0% 59.7% 59.8% 61.6% 59.8% 1.8 PP 59.8% - Hereof FCY % 4.0% 4.3% (0.2 PP) 3.9% 4.0% 4.2% 4.0% 4.2% (0.2 PP) 4.2% Deposits from customers 2,575 2,533 1.7% 2,463 2,383 2,443 2,575 2,443 5.4% 2,443 Business outlets 85 85 0.0% 85 87 87 85 87 (2.3%) 87 Number of employees 1,327 1,330 (0.2%) 1,347 1,353 1,333 1,327 1,333 (0.5%) 1,333 Number of customers (in mn) 0.5 0.5 10.6% 0.5 0.5 0.5 0.5 0.5 13.5% 0.5 In EUR mn
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Country Financials (SEE) – Croatia 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 49 48 2.0% 49 47 47 193 186 3.5% 186 Net fee and commission income 19 21 (7.6%) 19 19 21 78 79 (1.3%) 79 Net trading income and fair value result 2 1 172.1% 1 (4) (1) 0 3 (88.4%) 3 Other net operating income (2) 3 – (8) 7 1 0 3 (88.1%) 3 Operating income 69 71 (3.3%) 63 69 69 272 271 0.3% 271 General administrative expenses (39) (34) 13.3% (34) (34) (38) (141) (133) 6.7% (133) Operating result 30 37 (18.8%) 29 35 31 131 139 (5.9%) 139 Other result 0 (2) – (5) (0) (9) (8) (11) (24.2%) (11) Gov. measures and compulsory contrib. (2) 0 – 0 0 2 (2) 0 – 0 Impairment losses on financial assets (5) 3 – (7) (2) (11) (10) (12) (11.2%) (12) Profit/loss before tax 23 37 (37.8%) 16 34 14 110 117 (5.5%) 117 Profit/loss after tax 17 30 (43.8%) 13 28 11 88 95 (7.6%) 95 Return on equity before tax1 13.3% 22.0% (8.7 PP) 9.3% 19.0% 7.9% 16.3% 18.2% (1.9 PP) 18.2% Return on equity after tax1 9.8% 17.9% (8.2 PP) 7.5% 15.5% 6.4% 13.1% 14.9% (1.8 PP) 14.9% Net interest margin1 2.62% 2.59% 0.03 PP 2.69% 2.68% 2.77% 2.64% 2.79% (0.14 PP) 2.79% Cost/income ratio 56.6% 48.3% 8.3 PP 54.6% 48.9% 55.5% 52.0% 48.9% 3.2 PP 48.9% Loan/deposit ratio 64.7% 65.8% (1.1 PP) 68.7% 68.7% 66.1% 64.7% 66.1% (1.4 PP) 66.1% Provisioning ratio1 0.47% (0.30%) 0.76 PP 0.75% 0.17% 1.18% 0.27% 0.33% (0.06 PP) 0.33% NPE ratio 1.6% 1.7% (0.1 PP) 1.7% 1.8% 1.7% 1.6% 1.7% (0.1 PP) 1.7% NPE coverage ratio 59.7% 63.6% (3.9 PP) 63.1% 61.9% 62.0% 59.7% 62.0% (2.3 PP) 62.0% Total assets 8,098 7,852 3.1% 7,739 7,491 7,299 8,098 7,299 11.0% 7,299 RWA 2,605 2,760 (5.6%) 2,601 2,430 2,447 2,605 2,447 6.5% 2,447 Equity 733 715 2.4% 685 736 708 733 708 3.5% 708 Loans to customers 3,859 3,789 1.8% 3,735 3,664 3,601 3,859 3,601 7.2% 3,601 - Hereof non-financial corporations %2 34.9% 34.1% 0.8 PP 34.4% 34.4% 34.1% 34.9% 34.1% 0.7 PP 34.1% - Hereof households %2 60.1% 59.9% 0.2 PP 59.2% 58.1% 57.8% 60.1% 57.8% 2.3 PP 57.8% - Hereof FCY % 0.0% 0.0% (0.0 PP) 0.0% 0.0% 1.6% 0.0% 1.6% (1.6 PP) 1.6% Deposits from customers 6,162 5,907 4.3% 5,616 5,533 5,397 6,162 5,397 14.2% 5,397 Business outlets 67 67 0.0% 67 70 70 67 70 (4.3%) 70 Number of employees 1,741 1,755 (0.8%) 1,768 1,777 1,771 1,741 1,771 (1.7%) 1,771 Number of customers (in mn) 0.5 0.5 0.6% 0.5 0.5 0.5 0.5 0.5 0.9% 0.5 In EUR mn
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Country Financials (SEE) – Kosovo 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 18 18 1.5% 18 17 17 71 71 0.1% 71 Net fee and commission income 4 5 (16.5%) 6 3 4 19 17 8.8% 17 Net trading income and fair value result 0 0 (79.6%) 0 0 0 0 1 (78.1%) 1 Other net operating income 1 1 84.7% 1 1 1 3 6 (55.1%) 6 Operating income 24 24 (1.6%) 25 21 23 94 96 (2.3%) 96 General administrative expenses (12) (11) 4.2% (12) (11) (13) (47) (47) 0.4% (47) Operating result 12 13 (6.8%) 12 10 10 47 49 (4.9%) 49 Other result 0 0 – 0 0 0 0 0 – 0 Gov. measures and compulsory contrib. (1) (1) 1.9% (1) (1) (1) (3) (2) 64.9% (2) Impairment losses on financial assets (5) (0) >500,0% (4) 1 1 (9) (2) 282.0% (2) Profit/loss before tax 6 12 (47.3%) 7 10 10 35 45 (22.7%) 45 Profit/loss after tax 6 11 (45.9%) 7 9 9 31 40 (21.2%) 40 Return on equity before tax1 14.1% 26.4% (12.3 PP) 16.7% 22.3% 25.8% 21.0% 30.6% (9.6 PP) 30.6% Return on equity after tax1 13.2% 24.0% (10.8 PP) 14.6% 19.9% 23.6% 18.9% 27.0% (8.1 PP) 27.0% Net interest margin1 4.29% 4.49% (0.19 PP) 4.66% 4.65% 4.90% 4.50% 5.22% (0.72 PP) 5.22% Cost/income ratio 49.9% 47.1% 2.8 PP 49.6% 53.6% 56.6% 49.9% 48.6% 1.4 PP 48.6% Loan/deposit ratio 87.2% 90.8% (3.6 PP) 91.9% 87.8% 86.6% 87.2% 86.6% 0.6 PP 86.6% Provisioning ratio1 1.53% 0.10% 1.43 PP 1.40% (0.23%) (0.28%) 0.72% 0.22% 0.50 PP 0.22% NPE ratio 3.2% 3.4% (0.2 PP) 3.0% 2.2% 2.4% 3.2% 2.4% 0.8 PP 2.4% NPE coverage ratio 76.2% 68.8% 7.4 PP 68.1% 73.2% 74.1% 76.2% 74.1% 2.1 PP 74.1% Total assets 1,978 1,786 10.8% 1,671 1,646 1,622 1,978 1,622 22.0% 1,622 RWA 1,082 1,116 (3.0%) 1,109 1,043 977 1,082 977 10.7% 977 Equity 184 178 3.3% 190 183 174 184 174 5.9% 174 Loans to customers 1,303 1,260 3.5% 1,218 1,162 1,132 1,303 1,132 15.1% 1,132 - Hereof non-financial corporations %2 34.6% 34.1% 0.4 PP 34.5% 35.4% 36.4% 34.6% 36.4% (1.8 PP) 36.4% - Hereof households %2 65.3% 65.7% (0.4 PP) 65.3% 64.4% 63.4% 65.3% 63.4% 1.9 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 1,553 1,443 7.7% 1,350 1,346 1,329 1,553 1,329 16.9% 1,329 Business outlets 37 37 0.0% 37 37 36 37 36 2.8% 36 Number of employees 885 901 (1.8%) 920 922 937 885 937 (5.5%) 937 Number of customers (in mn) 0.4 0.4 3.6% 0.4 0.4 0.4 0.4 0.4 8.4% 0.4 In EUR mn
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Country Financials (SEE) – Romania 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 162 164 (1.0%) 159 159 156 644 619 4.0% 619 Net fee and commission income 68 64 7.2% 68 48 59 248 200 23.8% 200 Net trading income and fair value result 1 0 >500,0% 4 3 2 9 1 >500,0% 1 Other net operating income 1 5 (68.3%) (3) (0) (4) 3 (1) – (1) Operating income 233 232 0.4% 229 210 213 905 820 10.3% 820 General administrative expenses (109) (92) 17.9% (97) (90) (103) (387) (370) 4.6% (370) Operating result 124 140 (11.2%) 133 120 110 517 450 14.9% 450 Other result (2) 0 – (1) 0 (1) (2) (1) 301.2% (1) Gov. measures and compulsory contrib. (14) (14) 5.4% (7) (15) (6) (50) (32) 56.1% (32) Impairment losses on financial assets (12) (10) 22.2% (13) 2 (4) (33) (5) >500,0% (5) Profit/loss before tax 96 117 (17.7%) 112 107 99 431 412 4.6% 412 Profit/loss after tax 77 94 (18.1%) 91 86 82 349 337 3.6% 337 Return on equity before tax1 22.4% 28.8% (6.4 PP) 27.3% 25.0% 25.2% 27.7% 29.0% (1.3 PP) 29.0% Return on equity after tax1 18.1% 23.4% (5.3 PP) 22.3% 20.3% 20.7% 22.4% 23.7% (1.3 PP) 23.7% Net interest margin1 4.02% 4.15% (0.13 PP) 3.90% 3.89% 4.07% 3.98% 4.28% (0.30 PP) 4.28% Cost/income ratio 46.6% 39.7% 6.9 PP 42.1% 42.9% 48.3% 42.8% 45.1% (2.3 PP) 45.1% Loan/deposit ratio 68.8% 73.4% (4.6 PP) 69.6% 65.2% 67.4% 68.8% 67.4% 1.4 PP 67.4% Provisioning ratio1 0.50% 0.39% 0.11 PP 0.49% (0.07%) 0.18% 0.33% 0.05% 0.28 PP 0.05% NPE ratio 1.5% 1.5% (0.0 PP) 1.5% 1.5% 1.5% 1.5% 1.5% (0.1 PP) 1.5% NPE coverage ratio 61.5% 62.6% (1.1 PP) 62.2% 61.2% 65.2% 61.5% 65.2% (3.7 PP) 65.2% Total assets 17,485 16,154 8.2% 16,466 17,175 16,656 17,485 16,656 5.0% 16,656 RWA 7,487 7,502 (0.2%) 7,089 6,695 7,255 7,487 7,255 3.2% 7,255 Equity 1,839 1,759 4.6% 1,662 1,791 1,703 1,839 1,703 8.0% 1,703 Loans to customers 9,852 9,599 2.6% 9,200 9,632 9,869 9,852 9,869 (0.2%) 9,869 - Hereof non-financial corporations %2 50.6% 51.5% (0.9 PP) 52.5% 48.6% 48.4% 50.6% 48.4% 2.1 PP 48.4% - Hereof households %2 42.1% 42.1% 0.0 PP 42.7% 40.4% 38.9% 42.1% 38.9% 3.2 PP 38.9% - Hereof FCY % 34.8% 35.3% (0.5 PP) 33.5% 31.5% 29.5% 34.8% 29.5% 5.3 PP 29.5% Deposits from customers 13,628 12,561 8.5% 12,909 13,450 13,148 13,628 13,148 3.7% 13,148 Business outlets 269 272 (1.1%) 275 275 276 269 276 (2.5%) 276 Number of employees 4,801 4,829 (0.6%) 4,925 4,985 5,034 4,801 5,034 (4.6%) 5,034 Number of customers (in mn) 2.3 2.3 2.1% 2.3 2.3 2.3 2.3 2.3 0.6% 2.3 In EUR mn
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Country Financials (SEE) – Serbia 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 70 69 1.7% 66 67 72 272 295 (7.9%) 295 Net fee and commission income 39 35 10.3% 34 31 33 138 123 12.4% 123 Net trading income and fair value result 4 4 (2.5%) 4 3 3 16 13 20.8% 13 Other net operating income (1) 2 – 4 2 (2) 7 5 60.3% 5 Operating income 112 110 1.7% 108 104 106 434 436 (0.5%) 436 General administrative expenses (37) (33) 11.5% (33) (29) (36) (131) (123) 6.6% (123) Operating result 75 77 (2.4%) 76 74 70 302 313 (3.3%) 313 Other result 0 0 (45.8%) 0 0 (3) 1 (2) – (2) Gov. measures and compulsory contrib. (4) (4) 2.2% (4) (3) (3) (14) (13) 9.3% (13) Impairment losses on financial assets (1) 3 – 1 (2) (2) 2 (5) – (5) Profit/loss before tax 71 77 (7.7%) 74 69 62 291 293 (0.6%) 293 Profit/loss after tax 62 67 (7.1%) 63 60 53 252 252 (0.1%) 252 Return on equity before tax1 32.7% 37.6% (4.9 PP) 39.0% 31.4% 29.3% 37.9% 41.2% (3.3 PP) 41.2% Return on equity after tax1 28.5% 32.5% (4.0 PP) 33.5% 27.2% 25.3% 32.8% 35.5% (2.7 PP) 35.5% Net interest margin1 4.42% 4.48% (0.06 PP) 4.46% 4.56% 4.88% 4.47% 5.24% (0.77 PP) 5.24% Cost/income ratio 32.7% 29.8% 2.9 PP 30.1% 28.3% 33.9% 30.3% 28.2% 2.0 PP 28.2% Loan/deposit ratio 65.8% 64.4% 1.3 PP 64.1% 62.0% 60.5% 65.8% 60.5% 5.3 PP 60.5% Provisioning ratio1 0.12% (0.40%) 0.52 PP (0.19%) 0.26% 0.24% (0.05%) 0.16% (0.21 PP) 0.16% NPE ratio 1.2% 1.3% (0.1 PP) 1.3% 1.4% 1.4% 1.2% 1.4% (0.2 PP) 1.4% NPE coverage ratio 64.7% 65.2% (0.5 PP) 62.0% 60.4% 60.2% 64.7% 60.2% 4.5 PP 60.2% Total assets 6,676 6,685 (0.1%) 6,431 6,283 6,409 6,676 6,409 4.2% 6,409 RWA 3,408 3,378 0.9% 3,332 3,240 3,293 3,408 3,293 3.5% 3,293 Equity 949 917 3.5% 852 786 929 949 929 2.2% 929 Loans to customers 3,478 3,328 4.5% 3,209 3,062 3,077 3,478 3,077 13.0% 3,077 - Hereof non-financial corporations %2 52.8% 53.1% (0.3 PP) 53.7% 54.5% 55.4% 52.8% 55.4% (2.6 PP) 55.4% - Hereof households %2 47.0% 46.6% 0.4 PP 45.9% 45.4% 44.5% 47.0% 44.5% 2.5 PP 44.5% - Hereof FCY % 67.2% 68.6% (1.3 PP) 69.3% 71.6% 75.1% 67.2% 75.1% (7.9 PP) 75.1% Deposits from customers 5,367 5,201 3.2% 5,024 4,966 5,126 5,367 5,126 4.7% 5,126 Business outlets 104 104 0.0% 105 105 105 104 105 (1.0%) 105 Number of employees 2,156 2,182 (1.2%) 2,207 2,130 2,121 2,156 2,121 1.7% 2,121 Number of customers (in mn) 1.1 1.1 1.7% 1.1 1.1 1.1 1.1 1.1 6.4% 1.1 In EUR mn
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Country Financials (EE) – Ukraine 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 98 101 (2.8%) 100 101 96 401 391 2.7% 391 Net fee and commission income 14 12 16.0% 23 15 18 65 67 (3.0%) 67 Net trading income and fair value result 2 2 16.1% (0) 5 7 9 19 (51.0%) 19 Other net operating income 3 0 >500,0% (0) 0 0 3 1 311.4% 1 Operating income 118 116 1.7% 123 121 121 478 477 0.2% 477 General administrative expenses (58) (47) 23.4% (49) (52) (52) (206) (192) 7.6% (192) Operating result 60 69 (13.2%) 74 70 69 272 286 (4.7%) 286 Other result (1) 0 – (0) (1) (1) (2) (3) (39.4%) (3) Gov. measures and compulsory contrib. (3) (3) 2.9% (3) (3) (3) (12) (11) 9.3% (11) Impairment losses on financial assets 38 6 486.5% 3 1 (46) 48 (60) – (60) Profit/loss before tax 93 72 29.3% 74 67 20 307 212 44.6% 212 Profit/loss after tax 71 54 29.9% 54 51 (45) 229 97 135.4% 97 Return on equity before tax1 54.1% 44.7% 9.4 PP 48.4% 42.4% 12.6% 52.1% 42.1% 10.0 PP 42.1% Return on equity after tax1 40.8% 33.6% 7.2 PP 35.1% 32.3% – 39.0% 19.3% 19.6 PP 19.3% Net interest margin1 8.67% 8.91% (0.24 PP) 8.93% 8.86% 8.73% 8.84% 9.07% (0.23 PP) 9.07% Cost/income ratio 49.5% 40.8% 8.7 PP 39.7% 42.5% 42.6% 43.1% 40.1% 3.0 PP 40.1% Loan/deposit ratio 41.4% 39.5% 1.9 PP 36.2% 35.7% 33.2% 41.4% 33.2% 8.2 PP 33.2% Provisioning ratio1 (4.38%) (4.29%) (0.09 PP) (1.86%) (0.13%) 5.13% (2.72%) 2.18% (4.89 PP) 2.18% NPE ratio 3.1% 3.3% (0.2 PP) 3.7% 4.0% 4.4% 3.1% 4.4% (1.2 PP) 4.4% NPE coverage ratio 82.3% 85.1% (2.8 PP) 86.2% 82.5% 82.5% 82.3% 82.5% (0.2 PP) 82.5% Total assets 5,002 4,982 0.4% 4,820 5,059 4,986 5,002 4,986 0.3% 4,986 RWA 4,449 4,557 (2.4%) 4,609 4,874 4,709 4,449 4,709 (5.5%) 4,709 Equity 773 734 5.3% 667 665 623 773 623 24.1% 623 Loans to customers 1,697 1,575 7.8% 1,436 1,486 1,385 1,697 1,385 22.5% 1,385 - Hereof non-financial corporations %2 84.7% 86.2% (1.5 PP) 85.5% 87.2% 86.5% 84.7% 86.5% (1.8 PP) 86.5% - Hereof households %2 11.5% 11.8% (0.2 PP) 11.8% 11.4% 11.8% 11.5% 11.8% (0.2 PP) 11.8% - Hereof FCY % 28.1% 28.8% (0.8 PP) 25.8% 27.3% 30.2% 28.1% 30.2% (2.1 PP) 30.2% Deposits from customers 4,034 3,991 1.1% 3,936 4,164 4,149 4,034 4,149 (2.8%) 4,149 Business outlets 266 290 (8.3%) 295 299 298 266 298 (10.7%) 298 Number of employees 5,078 5,113 (0.7%) 5,135 5,239 5,251 5,078 5,251 (3.3%) 5,251 Number of customers (in mn) 3.1 3.0 2.8% 2.9 2.9 2.9 3.1 2.9 7.3% 2.9 In EUR mn
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Country Financials (EE) – Russia 30 January 2026 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 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 389 402 (3.2%) 441 457 467 1,690 1,623 4.1% 1,623 Net fee and commission income 170 174 (2.2%) 183 201 172 729 793 (8.0%) 793 Net trading income and fair value result 57 57 (0.1%) 59 65 11 238 59 301.8% 59 Other net operating income 15 0 >500,0% 2 (0) 1 16 (6) – (6) Operating income 632 635 (0.4%) 685 723 651 2,674 2,471 8.2% 2,471 General administrative expenses (204) (171) 19.5% (166) (148) (45) (688) (488) 40.9% (488) Operating result 428 464 (7.7%) 519 575 606 1,986 1,982 0.2% 1,982 Other result (344) 4 – (1,269) 1 (837) (1,609) (843) 90.9% (843) Gov. measures and compulsory contrib. (5) (5) (0.5%) (6) (6) (5) (22) (30) (28.3%) (30) Impairment losses on financial assets 84 (32) – (5) 3 117 51 162 (68.5%) 162 Profit/loss before tax 163 431 (62.2%) (761) 573 (119) 406 1,272 (68.0%) 1,272 Profit/loss after tax 32 319 (90.0%) (861) 425 (240) (86) 873 – 873 Return on equity before tax1 9.5% 24.9% (15.5 PP) 12.0% 43.5% – 6.5% 29.6% (23.1 PP) 29.6% Return on equity after tax1 1.9% 18.5% (16.6 PP) 5.7% 32.2% – – 20.3% – 20.3% Net interest margin1 8.93% 9.48% (0.55 PP) 10.08% 10.37% 11.69% 9.74% 8.87% 0.87 PP 8.87% Cost/income ratio 32.2% 26.9% 5.4 PP 24.2% 20.5% 6.8% 25.7% 19.8% 6.0 PP 19.8% Loan/deposit ratio 26.6% 29.4% (2.8 PP) 31.3% 30.8% 35.7% 26.6% 35.7% (9.1 PP) 35.7% Provisioning ratio1 (7.43%) 2.75% (10.18 PP) 0.44% (0.20%) (8.76%) (1.03%) (0.82%) (0.21 PP) (0.82%) NPE ratio 1.2% 1.7% (0.4 PP) 1.6% 1.5% 1.6% 1.2% 1.6% (0.4 PP) 1.6% NPE coverage ratio 78.8% 73.7% 5.2 PP 70.7% 72.5% 69.0% 78.8% 69.0% 9.9 PP 69.0% Total assets 18,505 17,665 4.8% 18,081 19,614 16,945 18,505 16,945 9.2% 16,945 RWA 17,844 18,021 (1.0%) 18,632 19,512 16,994 17,844 16,994 5.0% 16,994 Equity 5,622 5,377 4.5% 5,352 6,112 4,512 5,622 4,512 24.6% 4,512 Loans to customers 4,415 4,546 (2.9%) 4,722 4,926 4,176 4,415 4,176 5.7% 4,176 - Hereof non-financial corporations %2 17.2% 21.4% (4.2 PP) 23.0% 30.2% 32.4% 17.2% 32.4% (15.1 PP) 32.4% - Hereof households %2 40.1% 39.8% 0.3 PP 43.2% 43.2% 43.8% 40.1% 43.8% (3.7 PP) 43.8% - Hereof FCY % 4.1% 4.4% (0.3 PP) 4.4% 5.8% 7.2% 4.1% 7.2% (3.1 PP) 7.2% Deposits from customers 10,298 10,153 1.4% 10,676 10,669 9,512 10,298 9,512 8.3% 9,512 Business outlets 66 68 (2.9%) 74 83 89 66 89 (25.8%) 89 Number of employees 8,522 8,614 (1.1%) 8,657 8,746 8,863 8,522 8,863 (3.8%) 8,863 Number of customers (in mn) 2.9 2.9 (2.2%) 3.0 3.1 3.2 2.9 3.2 (10.7%) 3.2 In EUR mn
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Group Corporates & Markets 30 January 2026 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 59 Q4/2025 Q3/2025 q-o-q Q2/2025 Q1/2025 Q4/2024 1-12/2025 1-12/2024 y-o-y 1-12/2024 Net interest income 179 170 5.5% 190 186 207 725 860 (15.7%) 860 Net fee and commission income 153 152 0.7% 147 148 157 600 589 1.8% 589 Net trading income and fair value result 40 16 152.8% 75 24 19 155 114 36.0% 114 Other net operating income 34 40 (15.3%) 32 35 33 141 131 7.6% 131 Operating income 411 385 6.5% 454 399 420 1,649 1,717 (4.0%) 1,717 General administrative expenses (204) (234) (13.1%) (244) (243) (260) (925) (931) (0.7%) (931) Operating result 207 151 37.0% 209 156 160 724 786 (7.9%) 786 Other result 9 (1) – (2) (7) (10) (1) (13) (93.0%) (13) Gov. measures and compulsory contrib. (0) (12) (100.0%) (13) (11) (3) (35) (18) 93.7% (18) Impairment losses on financial assets (66) (37) 79.0% (63) (70) (18) (236) (230) 2.7% (230) Profit/loss before tax 150 102 47.0% 132 69 129 452 525 (13.9%) 525 Profit/loss after tax 119 81 46.9% 105 54 96 359 412 (12.8%) 412 Return on equity before tax1 13.8% 9.8% 4.0 PP 12.8% 6.2% 11.6% 10.4% 11.8% (1.3 PP) 11.8% Return on equity after tax1 11.0% 7.8% 3.2 PP 10.2% 4.8% 8.6% 8.3% 9.2% (0.9 PP) 9.2% Net interest margin1 1.18% 1.12% 0.06 PP 1.24% 1.21% 1.34% 1.18% 1.39% (0.20 PP) 1.39% Cost/income ratio 49.6% 60.8% (11.2 PP) 53.8% 60.8% 61.8% 56.1% 54.2% 1.9 PP 54.2% Loan/deposit ratio 167.3% 166.2% 1.2 PP 162.8% 166.5% 161.1% 167.3% 161.1% 6.3 PP 161.1% Provisioning ratio1 0.74% 0.41% 0.33 PP 0.70% 0.77% 0.20% 0.66% 0.62% 0.03 PP 0.62% NPE ratio 2.9% 3.0% (0.1 PP) 2.9% 3.2% 3.5% 2.9% 3.5% (0.6 PP) 3.5% NPE coverage ratio 25.9% 31.5% (5.6 PP) 32.1% 30.2% 39.4% 25.9% 39.4% (13.5 PP) 39.4% Total assets 63,635 61,599 3.3% 63,400 63,016 62,818 63,635 62,818 1.3% 62,818 RWA 22,803 22,669 0.6% 21,892 21,500 25,055 22,803 25,055 (9.0%) 25,055 Equity 4,600 4,511 2.0% 4,373 4,263 4,729 4,600 4,729 (2.7%) 4,729 Loans to customers 35,954 35,324 1.8% 36,427 36,238 36,003 35,954 36,003 (0.1%) 36,003 - Hereof non-financial corporations %2 52.7% 50.9% 1.8 PP 50.0% 50.6% 50.9% 52.7% 50.9% 1.8 PP 50.9% - Hereof households %2 22.2% 22.2% (0.1 PP) 21.4% 21.3% 21.4% 22.2% 21.4% 0.8 PP 21.4% - Hereof FCY % 12.7% 13.1% (0.3 PP) 13.6% 12.4% 13.7% 12.7% 13.7% (1.0 PP) 13.7% Deposits from customers 20,968 23,022 (8.9%) 23,775 24,436 24,544 20,968 24,544 (14.6%) 24,544 Business outlets 18 17 5.9% 17 17 17 18 17 5.9% 17 Number of employees 3,714 3,727 (0.3%) 3,737 3,718 3,704 3,714 3,704 0.3% 3,704 Number of customers (in mn) 2.7 2.6 4.8% 2.6 2.5 2.5 2.7 2.5 8.3% 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 January 2026 60
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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 January 2026 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% 61
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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 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 January 2026 62