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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 H1/2026 Results 31 July 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 31 July 2026 2
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
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Capital markets day (February) 2026 2027 Strategy update to senior management (end of Q3) May Jun Nov FebOctSepAug JanDec Jul Ambition and road-map development Base-lining and preliminary review Kick-start of implementation Ready for growth Focus on profitability Technological transformation Doubling down on CE and SEE Customer interaction and marketing Product delivery (speed, scalability, independence) End-to-end process: digitized and operated 13% Adjusted ROE is just the start Efficiency and capital allocation in the core of the business Wealth management Mid-market and SME 31 July 2026 Strategic review is under way Priorities Product mix and cross- sell in GC&M
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Continued ring-fencing of the Russian business: no spill-overs on the rest of the Group All restrictions on business activities to remain in place We will renew our efforts to sell Run-down remains our base-case going forward in Russia1 We will further seek to recover what value we can on behalf of our shareholders Rasperia claim filed on 30 July 2026 Russia De-Risking 31 July 2026 5 Significant business reduction since 2022 Loans to customers in Russia Deposits from customers in Russia Q2/22 Q4/22 Q4/23 Q4/24 Q4/25 Q2/26 More equity (EUR 6.5 bn) than loans to customers (EUR 2.5 bn) excl. C-Accounts Loan/deposit ratio at 23% (30/06/2026) LCR at 471% (24/07/2026) Balance sheet has been transformed by the business reduction 29.5 20.2 14.6 9.5 10.3 10.9 13.7 9.0 6.0 3.3 2.6 2.5 in EUR bn (excl. C-Accounts) Focus on extracting value2 Focus on sale3
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C. EUR 60 mn profit accretion in 2028, increasing through 2030 One-off integration cost c. EUR 75 mn in 2027 and 2028 Carve-out (regulatory approvals and merger clearance) 31 July 2026 6 Q4/2026 2027 2028 Three months additional acceptance period until 3 November Regulatory approvals (banking supervisory and merger clearances) Q3 Voluntary Public Tender offer for all Addiko shares at EUR 26.50 per share and carve-out at fair market value VTO completed expected Q4/2026 Initial CET1 impact c. -50 bps Carve-out Closing expected in H2/2027 c.-15 bpsFinal CET1 impact Carve-out Serbia Bosnia and Herzegovina Montenegro Retained entities Croatia Slovenia Austria RBI would become the fourth-largest bank in Croatia and re-enter Slovenia Carve-out valuation mechanism designed to ensure equal treatment of all Addiko shareholders Potential for an additional payment to Addiko shareholders depending on fair market value of the carve-out subsidiaries, as determined by independent valuation c. -50 bps initial impact: • subject to opening balance valuation c. -15 bps final impact following carve-out, with an expected 35 bps benefit from Serbia, Bosnia and Herzegovina, and Montenegro RWA deconsolidation CET1 impact on RBI excluding Russia Addiko – Voluntary Public Tender Offer and Carve-out Minimum acceptance rate of 55% met as of 29 July1 1 Preliminary only - pending official results
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One-off integration cost c. EUR 70 mn, mainly in 2027 31 July 2026 Accelerates profitable growth in Romania and delivers meaningful cost and revenue synergies 7 Expected to become third-largest1 in Romania - Universal bank serving retail, SME, and corporate clients in Romania Romania EUR 591 mn purchase, equal to 1.28x P/B ratio2 c. -60 bps CET1 impact expected at closing (for RBI excluding Russia) Closing exp. Q4/2026 Synergies visible from 2028 Integration Regulatory filings & approvals Q4/2026 2027 2028 Data migration and rebranding C. EUR 90 mn profit accretion in 2028, increasing to EUR 130 mn in 2030 Impact on RBI ~200 thsd. New active customers as of H1/2025 Combined bank and leasing company + EUR 4.3 bn Total assets Loans Deposits + EUR 2.7 bn + EUR 3.2 bn1 By total assets, based on H1/2025 2 Based on H1/2025 Merger exp. Q4/2027 as of FY/2025 Raiffeisen Bank Romania as of FY/2025 EUR 9.9 bn EUR 13.6 bn EUR 17.5 bn Acquisition of Garanti BBVA Romania on Track Q3
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31 July 2026 9.5% 12.0% transitional, incl. results EUR 708 mn 15.5%EUR 106,959 mn 1-6/2026 Consolidated Profit 1-6/2026 Loans to customers 30/06/2026 CET1 ratio 1-6/2026 Consolidated RoE assuming P/B Zero deconsolidation (see p. 19) excluding Russia +6%+ ytd +25%+ y-o-y excluding Russia and Poland (provisions and legal cost for FX loans)adjusted H1/2026 Executive Summary – Core Group
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Macro Outlook 31 July 2026 Source: RBI/Raiffeisen Research, July 2026 Geopolitics and the ensuing oil supply shock are in focus once again after a brief phase of de-escalation Growth slowdown coupled with upside pressure on inflation to be expected for 2026 – rebound in growth realistic only from 2027 Increased headwinds to consumption and investments from mixture of inflationary risks, higher interest rates and elevated uncertainty Weak external demand limits upside in CE and SEE manufacturing hubs and in the Euro area, while domestic factors (incl. policy risks & fiscal consolidation) split countries between strong/weak performers EU funds and defence spending support public investments, consumer demand in CE and SEE robust until now Fiscal consolidation restrains growth in Slovakia and Romania, with Poland next in line GDP (real, % yoy) 2024 2025 2026f 2027f Czech Republic 1.1 2.7 1.6 2.2 Hungary 0.7 0.5 1.7 3.0 Poland 3.0 3.6 3.4 3.0 Slovakia 1.9 0.8 0.8 1.5 Central Europe (CE) 2.1 2.7 2.5 2.7 Albania 4.0 3.8 3.6 3.8 Bosnia a. H. 3.2 2.1 2.3 2.5 Croatia 3.8 3.2 2.1 2.1 Kosovo 4.6 3.6 3.9 4.0 Romania 0.9 0.7 -0.7 1.5 Serbia 3.9 2.0 2.8 3.5 Southeastern Europe (SEE) 2.3 1.7 0.9 2.1 Ukraine 3.2 1.8 1.5 3.0 Russia 4.9 1.0 1.1 1.0 Austria -0.7 0.6 0.7 1.0 Euro area 0.9 1.4 0.5 1.2 9
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Inflation and Key Rates Forecast AT Inflation rate (CPI) (average, % y-o-y) 2026f Source: RBI/Raiffeisen Research, July 2026 2027f CZ SK HU RS Key rates forecast Current December 2026 December 2027 December 2028 (% eop) 24/07/2026 Forecast Forecast Forecast Czech Republic 3.75 4.00 3.75 3.50 Hungary 5.75 5.00 4.00 3.00 Romania 6.50 6.50 5.25 4.25 Serbia 5.75 5.75 5.75 5.25 Euro (deposit facility) 2.25 2.50 2.00 2.00 3.0% Euro area 31 July 2026 2.0% 3.0%2.2% 3.6% 2.7% 3.1% 2.2% 2.3% 3.2% 4.0% 4.8% RO 8.0% 4.3% Inflation Headline inflation has risen due to the oil price shock, while the starting position for core inflation vary across economies. Food inflation is expected to rise in H2/2026, while second round effects have been limited so far. Less supportive monetary conditions (EUR, CZK) may soften credit demand, but strong retail lending and EU fund inflows should sustain loan growth momentum. Banking sector view Despite persistent geopolitical headwinds, CE and SEE loan markets remain broadly resilient. 10
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2026 Core Group Guidance (excl. Russia) 31 July 2026 Net interest income Net fee and commission income Loans to customers (excluding M&A) above EUR 4.4 bn around 7% OPEX around EUR 3.8 bn CIR around 55% up to 35 bps ‘P/B Zero’ Russia deconsolidation scenario around 14.3% Risk cost excluding potential use of overlays CET1 ratio around 9.5% Consolidated return on equity Income Statement Profitability & Balance Sheet around EUR 2.2 bn Core adjusted (look-through) Excl. Russia and Belarus and excl. Poland (provisions and legal cost for FX loans) and Rasperia litigation cost 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 Group Excl. Russia / Belarus Medium term consolidated RoE Core Group (see p. 42 for breakdown) 11.0% 6.4% 10.9% 12.9% 7.5% 7.3% 10.6% ~9.5% 13.9% 15.4% 13.3% 13.4% ~12.5% 13% and above 11
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
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31 July 2026 EUR 2,187 mn EUR 1,068 mn 1-6/2026 Net Interest Income 1-6/2026 Net Fee and Commission Income 1-6/2026 Opex +10%+ y-o-y +5%+ y-o-y 1-6/2026 Cost/Income Ratio EUR 1,790 mn 52.2% -2 pp- y-o-y +4%+ y-o-y H1/2026 Executive Summary – Core Group
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Q2/2026 Net Interest Income Trends 31 July 2026 Core Excluding Russia Net interest income in EUR mn Core Group NII up 3% q-o-q, benefitting from continued volume growth across the markets 2.27% NIM (+1 bps up q-o-q) for the Core excluding Russia Solid increase in Core Group 1,027 1,056 1,054 1,076 1,111 Q2/2026Q2/2025 Q3 Q4 Q1 +3% q-o-q Volumes Interest rate sensitivity Interest-bearing assets up 2% - loan growth and treasury bond portfolio Volumes benefitting from growth in all key products (Corporate, personal loans, and mortgages) Impact over 12 months, excl. Russia and assuming stable balance sheet Improvement in NIM mainly driven by better EUR rates, and visible in overall group liability margins Total NII Rate LCY EUR + - - + EUR -113 mn -100 bps EUR -41 mn EUR -72 mn EUR +89 mn +100 bps EUR +36 mn EUR +53 mn 14 Margins and rates
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Q2/2026 Net Fee and Commission Income Trends 31 July 2026 Net fee and commission income in EUR mn NFCI in Q2 up 6% q-o-q excluding Russia Clearing, settlement and payment services as well as securities and FX business being the key drivers NFCI trends 15 Core Excluding Russia 502 505 529 520 549 Q2/2026Q2/2025 Q3 Q4 Q1 +6% q-o-q Strong development y-o-y across the segments in EUR mn Performance in the top products … excluding Russia CE SEE GC&MClearing, settlement and payment services Foreign exchange business Loan and guarantee business Asset management EUR 227 mn EUR 113 mn EUR 57 mn EUR 88 mn -3% +8% +19% +14% Q2/2026 y-o-y Q2/26Q2/25 171 197 +16% y-o-y Q2/26Q2/25 150 152 +1% y-o-y Q2/26Q2/25 147 168 +14% y-o-y
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97.5 98.5 101.2 104.7 107.0 Loans to Customers in Q2/2026 31 July 2026 Loans to customers in EUR bn 16 Core Excluding Russia 30/06/2630/06/25 30/09/25 31/12/25 31/03/26 +2% q-o-q +10% y-o-y Czechia Slovakia Hungary + EUR 716 mn + EUR 522 mn + EUR 584 mn Strong quarter across all Retail products and in project finance Primarily mortgages Mortgages and corporate capex, partially reflecting strong HUF … non-financial corporations … households +2% q-o-q +1% q-o-q Q2/26Q4/25 Q1/26 Q2/26Q4/25 Q1/26 46.8 47.9 48.6 42.3 43.3 44.3 Romania + EUR 169 mn Serbia + EUR 256 mn Corporate book up 9% on record origination Strong Retail mortgage and consumer loan origination – offset by weaker RON Loans to … in EUR bn Strong growth across the countries q-o-q Strong Q2 in Retail, with record sales in personal loans and mortgages +4% +3% +10% +2% +7% GC&M + EUR 323 mn Moderation after strong Q1 +1%
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Deposits and Liquidity Across the Group 31 July 2026 24/07/2026 Q2/2026 Czechia 210% 67% 80% Slovakia 173% 68% 72% Hungary 150% 53% 73% Romania 217% 75% 83% Serbia 206% 70% 65% 146% 138% 133% 135% 139%139% 138% 133% 149% 147%LCR NSFR Loan/deposit ratio … of which insured LCR % of retail deposits Liquidity ratios 17 Deposits from customers in EUR bn Core Excluding Russia +2% q-o-q 30/06/2630/06/25 30/09/25 31/12/25 31/03/26 Deposits from households continue to grow in all markets with an increase of EUR 1.8 bn q-o-q driven by Czechia, Slovakia, and Croatia Loan/deposit ratio of 89% excluding Russia Deposits from Households Head office LCR at 157% (as of 27 April 2026) 58.9 60.5 62.3 63.2 65.1 110.8 115.1 117.3 122.9 125.4 89%90%87%88% Core Excluding Russia Q2/’26Q3/’25 Q1/’26 24/07/2026Q4/’25+3% q-o-q
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CET1 Ratio Development – Core Group excl. Russia 31 July 2026 14.9% 15.5% Assuming P/B zero deconsolidation scenario in Russia + 30/06/2026 P/B Zero Russia deconsolidation q-o-q +52 bps + 18 31/03/2026 P/B Zero Russia deconsolidation - +59 bps Profit Portfolio development (credit risk) +10 bps Market risk +1 bps FX +1 bps Dividend / AT1 coupons accrual -20 bps Inorganic & Other +1 bps + + + +
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P/B Zero Deconsolidation Scenario in Russia 31 July 2026 CET 1 Expected around 14.3% at year-end 2026 30/06/2026 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 6.2 bn Deconsolidated RWA EUR 20.9 bn IFRS equity partially offset by deduction items Net consolidated Russia RWAs and other effects Capital stack CET 1 AT 1 T2 15.5% 2.18% 2.59% 2.02% 2.70% 12.18% RBI excl. Russia Current MDA threshold 30/06/2026 P/B Zero Russia deconsolidation MDA buffer at 329 bps Deconsolidation1 of Russia would lead to EUR 4.1 bn lower operational RWAs, equal to a 79 bps uplift 19 1 Deconsolidation of Russia and recalculation of the consolidated operational risk RWAs for Group excluding Russia
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CET1 Outlook 2026 – Core Group excl. Russia 31 July 2026 20 CET 1 31/12/2026e P/B Zero Russia deconsolidation CET 1 30/06/2026 P/B Zero Russia deconsolidation Core Group CET1 ratio expected around 14.3 per cent at year-end 2026 and around 14.5 per cent mid-term Expected CET1 drivers until year-end 2026: Profit ~83 bps + around 14.3% Any decision on dividends will be based on the capital position of the Group excluding Russia CET1 generated in Russia is not invested in RWAs elsewhere in the Group Capital allocationChanges in CET1 ratio ~50 bps -Portfolio development ~46 bps -Dividends & AT1 coupon ~110 bps -Announced M&A B/S optimization ~13 bps + Operational & market risk, inorganic, FX and other 15.5% ~1 bps +
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Capital Ratios and SREP 18.3% 20.1% 22.1% 4.50% 1.56% 5.98% 12.04% 2.02% 14.06% 2.70% CBR P2R Pillar 1 AT 1 (incl. P2R) Tier 2 (incl. P2R) 12.04% 16.76% 14.06% CET 1 Tier 1 Total capital RBI Group, regulatory, as of 30/06/2026 Requirements as of 01/07/2026 31 July 2026 12.94% MDA trigger 532 bps MDA buffer EUR 7,509 mn Available distributable items q-o-q +51 bps P2R P2G CBR Combined buffer requirement composition 2.78% 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 Jul. 2026 OSII buffer 1.75% Countercyclical capital buffer 0.72% Capital conservation buffer 2.50% Systemic risk buffer 1.01% CBR at 598 bps since July 2026 21
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MREL and Funding Plan Total MREL requirement (30/06/2026) 13.71% Senior preferred TREA in AT at EUR 35,790 mn RBI Group: possible T2 pre-funding and senior benchmark Possible EUR senior non-preferred benchmark by Raiffeisen Romania after the summer Funding plan Austria resolution group MREL Subordinated MREL requirement from January 20261 31 July 2026 1 Based on SRB MREL decision Other resolution groups 30/06/2026 30/06/2026 H2/2026 2027 Czech Republic 31.90% 27.55% ~50 - 100 ~300 - 500 Senior non- preferred Slovakia 31.32% 26.93% none ~300 - 500 Senior preferred Hungary 35.38% 31.13% none ~200 - 250 Senior preferred Croatia 34.47% 30.38% none ~300 - 400 Senior preferred Romania 41.63% 32.04% ~500 – 750 incl. BBVA Garanti acquisition ~400 - 600 Senior preferred & non-preferred Requirements Actual Ranking MREL needs 38.64% 26.69% 22 Total MREL 49.92% 36.21% T2 AT1 CET1 & other subordinated Actual including profit 30/06/2026 Requirements 30/06/2026
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Poland FX Mortgage Update 31 July 2026 Additional ~900 settlements in Q2/2026 Expansion of settlement strategy across products, litigation stages, and channels Minimizing lifetime financial loss by reducing legal cost, court fees and penalty interest Number of FX loans in Poland in thousand, 30/06/2026 Provisions towards year-end 2026 Settlements 37.0 9.8 14.8 6.4 6.0 18.1 9.5 8.4 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 1,097 mn EUR 338 mnExposure EUR 1,619 mn Exposure EUR 231 mn Stock of provisions for litigation: Poland FX mortgage exposure and stock of provisions 23 FCST2 Assumed Run-rate Q2/26 (ytd) Q1/26 (ytd) Total CHF EUR Total CHF EUR Total CHF EUR New cases development -120 -10 -110 -150 -22 -128 -75 -11 -64 -41 -9 -32 Sub-Total Recurring -120 -10 -110 -150 -22 -128 -75 -11 -64 -41 -9 -32 Asynchronity in annulments -7 -7 0 -54 -54 0 -27 -27 0 -20 -20 0 Pre-court settlements -58 -46 -12 -46 -46 0 -23 -23 0 -11 -11 0 Sub-Total Temporary (partly) -65 -53 -12 -100 -100 0 -50 -50 0 -31 -31 0 Net model adjustments (propensity & future settlements) -47 -32 -15 -64 -64 0 -32 -32 0 8 8 0 Discounting periods and rates -15 -16 1 -28 -48 20 -14 -24 10 10 3 7 Avg. losses incl. loss probability 20 20 0 40 40 0 20 20 0 -21 -17 -4 Penalty interest 4 5 -1 8 10 -2 4 5 -1 -1 -1 0t Sub-Total One-off / Parameters -38 -23 -15 -44 -62 18 -22 -31 9 -4 -7 3 TOTAL -222 -85 -137 -294 -168 -126 -147 -84 -63 -77 -47 -29 EUR 147 mn EUR ~220 mn 1-6/2026 1-12/2026e Provisions Expected 2026 Provisions from new cases New CHF cases are declining and EUR cases are peaking Annulments and settlements Temporary annulment effects to partially reverse in H2 Other parameters Run-rate in line with expectations
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
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77 100 89 91 346 270 324 255 342 97 765 467 413 346 FY/2023 FY/2024 FY/2025 H1/2026 Russia (released) GC&M, CE, SEE Ukraine Stock of risk overlays 30/06/2026 Risk Overview 31 July 2026 25 20 bps -2 bps 1.6% -11 bps 46.9% +2.7 ppytd EUR 110 mn y-o-y RBI Group 1-6/202619 bps Provisioning ratio Risk cost1 EUR 111 mn 1.6% 49.2% Risk cost excluding Russia, 1-6/2026 NPE ratio/ coverage ratio excluding Russia, 30/06/2026 2026 Guidance Q2/2026 Up to 35 bps risk cost guidance for RBI Group excluding Russia Stock of overlay and guidance adequate given remaining geopolitical and macroeconomic uncertainties Continued Group-wide rating review focusing on ~500 Corporate clients with exposure to oil and gas price volatility resulted in limited number of adjustments IFRS9 provisions: Model improvement and Overlay review led to releases mainly in Romania, Hungary, and Slovakia Coverage ratio improves to 46.9%, NPE ratio remains at all time low 1 Including impairments on debt securities
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IFRS 9 Provisioning 31 July 2026 26 EUR 1 mnEUR +1 mn EUR -12 mn EUR -43 mn EUR 54 mn Stage 1 & 2 Macro Overlays* Stage 3 RBI Group – Q2/2026 Total 2 bps Overall EUR 7 mn of IFRS 9 provisions in Q2 Stage 1/2: flat development Macro: release mainly reflecting improved outlook in Hungary Overlay movements: driven by retail model improvements and overlay portfolio review Stage 3: driven by new defaults and cashflow adjustments, offset by changes in the accounting policy for Polish FX litigations Core Group – Q2/2026 excluding Russia (+) additional IFRS 9 provisions (-) release of IFRS 9 provisions YTD EUR mn Stage 1 & 2 Macro Overlays Stage 3 Total RBI Group -23 61 -53 126 111 Excl. Russia -25 63 -53 125 110 1 2 Stage 1 & 2 1 2 Macro 3 Stage 3 4 bps 1 2 Overlays* + EUR -2 mn EUR -11 - EUR 63 mn EUR 7 mn EUR -43 mn * Excluding macro driven in-model adjustments in Hungary
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Q2/2026 RWA Development 31 July 2026 Core Group excl. Russia No changes in Operational risk RWA Credit RWAs decrease largely driven by a new corporate securitization transaction with gross RWA effect of EUR -1.0 bn. Further drivers were changes in the accounting policy for PL litigations (EUR -0.4 bn) offset by organic corporate and retail portfolio growth (EUR +0.8 bn) -0.6 - - 0.2 FX Market risk RWA in EUR bn Credit risk 31/03/2026 30/06/2026 84.4 61.0 18.5 4.9 Credit risk Operational risk Market risk 60.6 18.5 4.9 84.0 Op risk Stable RWAs in market risk 27
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NPE Ratio and NPE Coverage 31 July 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 – stable development SEE – slight increase of NPE exposure mainly driven by Croatia Ukraine – NPE ratio decrease due to write- offs Russia – slight decrease of NPE exposure GC&M – increase of NPE Coverage ratio driven by write-offs RBI Group – coverage ratio movement mainly driven by GC&M 72% NPE coverage ratio incl. Stage 1 and 2 28 1.7% 1.7% 1.6% 1.6% 49.8% 46.5% 48.7% 49.2% 1.0%0.0% 100.0% 3.0% 2.9% 2.8% 2.8% 31.5% 25.9% 29.5% 31.4% 1.0%0.0% 50.0% 1.7% 1.2% 1.3% 1.2% 73.7% 78.8% 79.1% 80.8% 1.0%20.0% 1.7% 1.6% 1.6% 1.6% 66.3% 65.4% 66.7% 65.1% 1.0%0.0% 100.0% 1.0% 1.0% 1.0% 1.0% 59.1% 58.5% 58.2% 58.2% 0.5%0.0% 100.0% Q2/2026 Central Europe CE Southeastern Europe SEE Russia Group Corporates & Markets GC&M RBI Group NPE coverage ratio NPE ratio 3.3% 3.1% 3.1% 2.7% 85.1% 82.3% 83.1% 83.9% 0.0%0.0% Ukraine Ukraine -0.8% q-o-q EUR 749 mn +2.0% q-o-q EUR 611 mn -6.0% q-o-q EUR 136 mn -1.1% q-o-q EUR 227 mn +1.7% q-o-q EUR 1,592 mn +0.6% q-o-q EUR 3,315 mn Q2/2026Q3/2025 Q4/2025 Q1/2026 NPE Stock
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 31 July 2026
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Geographic Footprint 31 July 2026 30 Note: Ranking based on the latest data available on loans to customers. Central Europe (CE) Russia 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 1.9 bn ▪ Business outlets: 256 Russia, #20 ▪ Loans: EUR 4.6 bn ▪ Business outlets: 63 Southeastern Europe (SEE) Ukraine Austria, #2 ▪ Loans: EUR 39.4bn Czech Republic, #5 ▪ Loans: EUR 21.0 bn ▪ Business outlets: 125 Hungary, #6 ▪ Loans: EUR 6.2 bn ▪ Business outlets: 68 Slovakia, #3 ▪ Loans: EUR 17.0 bn ▪ Business outlets: 139 Croatia, #6 ▪ Loans: EUR 4.0 bn ▪ Business outlets: 66 Kosovo, #1 ▪ Loans: EUR 1.4 bn ▪ Business outlets: 37 Bosnia & Herzeg., #2 ▪ Loans: EUR 1.8 bn ▪ Business outlets: 85 Albania, #2 ▪ Loans: EUR 1.6 bn ▪ Business outlets: 74 Romania, #5 ▪ Loans: EUR 10.3 bn ▪ Business outlets: 267 Serbia, #6 ▪ Loans: EUR 3.8 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 419 bn as of 31/12/2025 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 260 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% 260 Raiffeisen Banks (~1,500 outlets) Southeastern Europe Russia Group Corporates & Markets Corporate Center 31 July 2026 Ukraine 31
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Q2/2026 Income Statement and KPIs 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income 2.83% Net interest margin Q2/2026 q-o-q +2 bps Cost/income ratio Q2/2026 46.2% q-o-q -1.8 pp % y-o-y % q-o-q Q2/2026(in EUR mn) Net interest income 1,508 +3% +3% Net fee and commission income 729 +5% +6% Operating income 2,299 +4% -1% Staff expenses -621 +0% +5% Operating result 1,222 +7% -5% Other result -73 -29% -95% Consolidated profit 786 +67% - Other operating components1 82 +42% +60% Net trading income & fair value result -20 - - Other administrative expenses -324 -0% +1% Depreciation -133 +3% +7% General administrative expenses -1,077 +0% +4% Impairment losses on financial assets -1 -99% -99% Gov. measures & compulsory contributions -70%-55 +28% … … … … 31 July 2026 Consolidated return on equity Q2/2026 15.5% q-o-q +6.6 pp 32
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Q2/2026 Income Statement and KPIs Adjusted excluding Russia 2.27% Net interest margin Q2/2026 q-o-q +1 bps Q2/2026 51.0% q-o-q -2.5 pp % y-o-y % q-o-q Q2/2026(in EUR mn) Net interest income 1,111 +3% +8% Net fee and commission income 549 +6% +9% Operating income 1,726 +4% +5% Staff expenses -482 +1% +4% Operating result 832 +10% +9% Other result -72 -17% -57% Consolidated profit 499 +138% +63% Other operating components1 86 +57% +68% Net trading income & fair value result -20 - - Other administrative expenses -300 -2% -0% Depreciation -112 +1% +3% General administrative expenses -894 -0% +2% Impairment losses on financial assets -7 -93% -88% Gov. measures & compulsory contributions -72%-49 +32% … … … … 31 July 2026 13.9% q-o-q +8.8 pp Consolidated return on equity Q2/2026 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income Cost/income ratio 33
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Liabilities (EUR 223.8 bn +2% q-o-q) (30/06/2026, in EUR bn, % q-o-q) Deposits from customers 136.3 +2% Debt issued and other liab. 40.1 +2% Deposits from banks 23.8 +4% Equity 23.6 +2% Assets (EUR 223.8 bn +2% q-o-q) (30/06/2026, in EUR bn, % q-o-q) Loans to customers 111.6 +2% Securities 49.5 +4% Loans to banks 22.0 +32% Cash and other assets 40.6 -9% Balance sheet RBI Group RBI Group including Russia 31 July 2026 34 Net interest income in EUR mn Net fee and commission income in EUR mn 685 679 699 693 729 Q2/2026Q2/2025 Q3 Q4 Q1 +5% q-o-q 1,468 1,459 1,443 1,459 1,508 Q2/2026Q2/2025 Q3 Q4 Q1 +3% q-o-q Loans to customers in EUR bn 102.2 103.0 105.6 109.1 111.6 30/06/2630/06/25 30/09/25 31/12/25 31/03/26 +2% q-o-q +9% y-o-y Deposits from customers in EUR bn +2% q-o-q 30/06/2630/06/25 30/09/25 31/12/25 31/03/26 121.4 125.3 127.6 133.1 136.3 +12% y-o-y
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Total Exposure 31 July 2026 35 Total exposure by segments – Q2/2026 in EUR bn, % q-o-q … by sector – Q2/2026 in EUR bn CRE – Sectors (GICs) EUR 16 bn CRE - Country of risk Czechia 27% Austria 19% Slovakia 17% Germany 12% Romania 9% Hungary 6% Croatia 2% Other 8% Residential 30% Office 19% Retail 13% Industrial 9% Diversified 10% Hotels & Resorts 5% Real Estate Development 3%Operating 5% Other 6% +9.1%+2.4% 94.2 50.0 27.9 16.0 0.3 50.4 22.5 9.5 9.0 3.6 3.9 2.1 5.9 18.1 CZ SK HU PL RO HR RS BH AL KO UA RU GC&M +0.2% SEE +2.2% Ukraine 102.6 EUR 271 bn +2.0% q-o-q Russia CE +2.6% 14 8 2 14 16 15 9 29 28 80 25 32 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 31 July 2026 36 17.3% 18.3% Transitional (including H1/2026 results) 30/06/2026 31/03/2026 q-o-q +93 bps - + - +120 bps Profit Portfolio development (credit risk) +12bps Market risk -14 bps FX +18 bps Dividend / AT1 coupons accrual -47 bps Inorganic & Other +4 bps - + + +
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Q2/2026 RWA Development – RBI Group 31 July 2026 RBI Group including Russia 37 103.9 -0.7 0.0 0.8 0.9 104.9 31/03/2026 30/06/2026 FX Market risk Operational risk RWA in EUR bn Credit risk
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Core revenues Loans to customers / NIM Provisioning ratio Profit/loss after tax Q2/2026 Segments Overview 4,546 4,415 4,418 4,642 9.48% 8.93% 8.57% 8.60% 1.00% - 10,000 40,828 42,222 43,228 44,362 2.39% 2.33% 2.30% 2.32% -4.00% 1.00% 6.00% 20,000 40,000 Q2/26 +7% +4% -26 bps q-o-q +3% +4% Q2/26Q4/25Q3/25 Q2/26 -54 bps q-o-qQ2/26 197 448NII Net Fees 645 q-o-q 577 180 397 21,080 21,695 22,233 22,904 3.86% 3.76% 3.56% 3.54% 0.00% 5.00% 10.00% 11,000 21,000 168 179 0 bps -70 bps EUR 224 mn >500% +8%152 353 +2% EUR 227 mn EUR 289 mn EUR 149 mn -38 bps -121 pp -16 bps +14% +54% (in EUR mn) Q1/26 35,324 35,954 38,032 38,355 1.12% 1.18% 1.12% 1.11% -2.00% 3.00% 25,000 30,000 35,000 40,000 37 bps -4% +1% 31 July 2026 504 346 CE SEE Russia Ukraine GC&M 15 102 EUR 45 mn -2 bps +11% 1,575 1,697 1,716 1,856 8.91% 8.67% 8.64% 8.67% 0.00% 10.00% 20.00% 1 1,001 37 bps +30% +3% 117 38 +74%
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Raiffeisen Capital Management 31 July 2026 39 EUR 73 bn Q2/23 Q2/24 Q2/25 Q2/26 33 42 46 59 60 63 61 69 93 105 107 128 Raiffeisen Capital Management Local Asset Management Units AUM Net revenues in EUR mn Net profit after tax in EUR mn 69% 31% Business line Retail 66% Institutional 34% 42% ESG 2026 priorities for Raiffeisen Capital Management 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 Focus on Digital DPM business across AT and CEE including Customer Centric App Experience Private Infrastructure for Institutional Investors and Multi-Asset ELTIF for Private Banking Passive Products Expansion via “Systematic Funds” Family and analysis of ETFs Target of around 2mln funds and pension savings plans across AT and CEE Central-/Eastern Europe Funds offering for Institutional Investors AI in daily core services around the funds life-cycle 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” 332 employees with passion, thereof 68 investment professionals and 60 sales representatives, on Group Asset Management level 550 employees, including 117 investment professionals 19 24 27 3619 18 13 20 38 42 40 56
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Corporate Center/Reconciliation 31 July 2026 40 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 1-6/2026 1-6/2025 y-o-y Operating income 1,237 1,244 (0.6%) General admin. expenses (244) (243) 0.6% Operating result 992 1,001 (0.9%) Other result (17) 11 – Governmental measures and compulsory contributions (11) (15) (28.3%) Impairment losses on financial assets 25 14 85.1% Profit/loss before tax 989 1,010 (2.1%) Profit/loss after tax 1,025 1,031 (0.6%) In EUR mn Q2/2026 Q1/2026 q-o-q Operating income 595 642 (7.3%) General admin. expenses (125) (120) 3.9% Operating result 470 522 (9.8%) Other result (2) (15) (84.4%) Governmental measures and compulsory contributions (4) (7) -41.2% Impairment losses on financial assets (2) 27 – Profit/loss before tax 462 527 (12.2%) Profit/loss after tax 477 548 (12.9%) In EUR mn 1-6/2026 1-6/2025 y-o-y Operating income (1,304) (1,332) (2.1%) General admin. expenses 104 99 5.6% Operating result (1,200) (1,233) (2.7%) Other result 6 1 >500,0% Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (0) (8) -95.0% Profit/loss before tax (1,195) (1,241) (3.7%) Profit/loss after tax (1,188) (1,236) (3.9%) In EUR mn Q2/2026 Q1/2026 q-o-q Operating income (628) (676) (7.2%) General admin. expenses 56 48 16.7% Operating result (572) (628) (9.0%) Other result (0) 6 – Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (0) (0) >500,0% Profit/loss before tax (572) (622) (8.1%) Profit/loss after tax (559) (629) (11.1%)
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Equity Overview 31 July 2026 41 Earnings per share up EUR 3.35 (1-6/2026: EUR 3.63 vs. 1-6/2025: EUR 0.28) A dividend of EUR 1.60 per share for the 2025 financial year was approved at the Annual General Meeting on 9th April 2026 Book value per share EUR 62.15 at 30/6/2026 (EUR 59.14 at 31/12/2025 resp. EUR 55.62 at 30/6/2025) Total comprehensive income of EUR 1,687 mn (1-6/2025: EUR 1,504 mn) impacted by profit after tax (EUR 1,371 mn), exchange differences (EUR 323 mn, driven by RUB), fair value changes of financial assets (EUR 23 mn, driven by Ukraine), cash-flow hedge (EUR 12 mn, driven by Russia), companies values at equity (minus EUR 34 mn, driven by UNIQA) and from deferred taxes (minus EUR 10 mn, driven by Russia) 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 1/1/2026 1,001 4,986 17,127 (3,661) 19,452 1,386 1,625 22,463 Capital increases 0 0 0 0 0 (0) 146 145 AT1 capital dividend allotment 0 0 (63) 0 (63) 0 63 0 Dividend payments 0 0 (525) 0 (525) (107) (63) (695) Own shares 1 6 0 0 6 0 (23) (17) Other changes 0 0 (5) (0) (5) 0 7 3 Total comprehensive income 0 0 1,256 320 1,576 110 0 1,687 Equity as at 30/6/2026 1,002 4,991 17,790 (3,341) 20,442 1,390 1,754 23,586
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Consolidated RoE Calculation excl. Russia – Overview 31 July 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 and Rasperia litigation cost 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 -123 mn (guidance) 13.3% 13.4% around 9.5% 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 ~13.4 bn (assumed) EUR ~220 mn (guidance) EUR ~50 mn (guidance) around 12.5% The AT1 coupons are deducted from the reported consolidated profit 42
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Regulatory Capital Structure - Overview 31 July 2026 43 in EUR mn 30/6/2026 31/3/2026 31/12/2025 Common equity tier 1 (before deductions) 20,099 19,061 19,027 Deduction items (933) (1,052) (934) Common equity tier 1 (after deductions) 19,165 18,008 18,093 Additional tier 1 (after deductions) 1,834 1,832 1,684 Tier 1 (after deductions) 21,000 19,840 19,776 Tier 2 (after deductions) 2,177 2,170 2,174 Total capital 23,177 22,011 21,951 Risk-weighted assets (total RWA) 104,942 103,899 100,924 Common equity tier 1 ratio (transitional - incl. result) 18.3% 17.7% 17.9% Tier 1 ratio (transitional - incl. result) 20.0% 19.5% 19.6% Total capital ratio (transitional - incl. result) 22.1% 21.6% 21.7% Leverage ratio (transitional) 8.8% 8.5% 8.9% Leverage exposure (total) 239,911 233,218 221,527
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Maturity Profile 31 July 2026 44 977 964 522 936 500 606 157 301 355 31 2027 2028 2029 2030 2031 2032 2033 2034 10 2035 0 2036 10 >2036 977 2,072 2026 1,180 2,309 1,319 2,572 1,022 936 616 0 1,810 2,041 2,015 1,180 2,008 1,000 1,572 1,800 2,172 Senior placements Subordinated Additional Tier 1 Other Maturity Profile at 30/6/2026 (in EUR mn)
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AT1 and Subordinated Instruments 31 July 2026 45 ▪ 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 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% 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 Additional Tier 1 100% XS3258450074 6.200% 5Y EUR ms + 3.63% EUR 650 mn 20 Jan 2026 15 Dec 2032 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
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Liquidity Stress Test in Head Office 31 July 2026 7,100 6,796 5,592 6,024 5,984 6,118 6,325 6,340 6,817 6,512 7,474 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 c. 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 ~22 bn (Eligible collateral) in EUR mn All currencies - Net liquidity position LCR: HQLA EUR mn amount above the 100% regulatory requirement 46
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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 31 July 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 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 18 mn in 2024, and EUR -6 mn in 2025 The IPS fund’s target volume is EUR 1,185 mn based on FY/2025 figures. The fund size at Q2/2026 was EUR 1,151 mn. RBI’s share of the IPS fund amounts to EUR 545 mn 47
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Bank Levies 31 July 2026 Note: Special taxes for banks (“windfall taxes”) are partially booked as part of income taxes. 48 FY 2025 1-6/2026 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 78 34 76 Hungary 2026: The tax rates have increased: 10% for the portion of the tax base up to HUF 20 billion, and 30% for the amount above this threshold. 55 120 120 Poland Bank levy of 0.44%, based on total assets less PLN 4 bn flat amount, own funds and treasury securities. 3 2 2 Romania Bank levy based on bank's turnover defined as operating income excluding interest expense and fee and commission expenses. Tax rate of 4% from July 2025 onwards; before it was 2% 42 28 54 Total Bank levies 178 184 252 Albania 2 2 2 Czechia 2 3 3 Hungary 2 2 2 Romania 4 0 0 Serbia 0 4 8 Total Resolution fund 10 11 15 Impact in EUR mn Based on total assets less equity and secured deposits Full amounts always booked in the first quarter according to IFRIC 21
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NPE and NPL Distribution by Country 31 July 2026 49 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 30/6/2026 30/6/2026 31/12/2025 30/6/2026 31/12/2025 30/6/2026 31/12/2025 30/6/2026 31/12/2025 Czechia 302 0.7% 0.8% 54.3% 53.1% 0.9% 1.0% 54.3% 53.1% Hungary 88 0.7% 0.8% 47.2% 44.9% 1.0% 1.1% 46.2% 43.4% Poland 56 5.1% 5.3% 92.4% 88.9% 5.1% 5.3% 92.4% 88.9% Slovakia 303 1.3% 1.2% 59.0% 58.5% 1.7% 1.5% 59.0% 58.5% Central Europe 749 1.0% 1.0% 58.2% 58.5% 1.2% 1.3% 58.3% 58.5% Albania 68 1.9% 2.2% 76.8% 73.2% 2.9% 3.6% 76.8% 73.2% Bosnia & Herzegovina 49 1.6% 2.0% 73.2% 76.1% 1.8% 2.3% 73.2% 76.1% Croatia 134 1.7% 1.6% 62.6% 59.7% 2.2% 2.2% 62.6% 59.7% Kosovo 47 3.0% 3.2% 73.8% 76.2% 3.0% 3.2% 73.8% 76.2% Romania 256 1.5% 1.5% 60.9% 61.5% 2.0% 2.0% 60.9% 61.5% Serbia 58 1.0% 1.2% 62.0% 64.7% 1.0% 1.2% 62.0% 64.7% Southeastern Europe 611 1.6% 1.6% 65.1% 65.4% 2.0% 2.1% 65.1% 65.4% Russia 227 1.2% 1.2% 80.8% 78.8% 1.2% 1.3% 80.8% 78.8% Ukraine 136 2.7% 3.1% 83.9% 82.3% 3.9% 4.4% 83.9% 82.3% GC&M 1,592 2.8% 2.9% 31.4% 25.9% 2.9% 3.0% 31.4% 25.9% Total RBI Group 3,315 1.6% 1.7% 49.2% 46.5% 2.0% 2.2% 49.2% 46.5%
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RBI Group 31 July 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 50 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 1,508 1,459 3.3% 1,443 1,459 1,468 2,967 2,972 (0.2%) 5,874 Net fee and commission income 729 693 5.1% 699 679 685 1,422 1,353 5.1% 2,731 Net trading income and fair value result (20) 5 – 40 44 114 (14) 170 – 253 Other net operating income 47 33 43.0% 47 51 27 80 53 50.3% 151 Operating income 2,299 2,215 3.8% 2,255 2,254 2,319 4,514 4,588 (1.6%) 9,097 General administrative expenses (1,077) (1,075) 0.2% (1,096) (1,005) (1,038) (2,152) (2,033) 5.9% (4,134) Operating result 1,222 1,140 7.1% 1,160 1,249 1,281 2,362 2,555 (7.5%) 4,963 Other result (73) (102) (28.6%) (356) (62) (1,435) (174) (1,500) (88.4%) (1,918) Gov. measures and compulsory contrib. (55) (183) (69.9%) (54) (51) (43) (238) (164) 44.5% (270) Impairment losses on financial assets (1) (110) (99.1%) 12 (44) (66) (111) (109) 1.4% (141) Profit/loss before tax 1,093 746 46.5% 762 1,092 (263) 1,839 781 135.6% 2,634 Profit/loss after tax 852 519 64.2% 506 847 (495) 1,371 268 411.4% 1,621 Consolidated profit/loss 786 470 67.2% 445 778 (557) 1,256 148 >500,0% 1,371 Return on equity before tax1 19.4% 13.1% 6.3 PP 19.3% 20.9% 13.1% 16.2% 13.4% 2.8 PP 12.5% Return on equity after tax1 15.1% 9.1% 6.0 PP 14.4% 16.2% 8.7% 12.1% 8.6% 3.5 PP 7.7% Consolidated return on equity 15.5% 9.0% 6.6 PP 14.7% 16.6% 8.0% 12.2% 8.0% 4.2 PP 6.9% Net interest margin1 2.83% 2.81% 0.02 PP 2.85% 2.93% 3.00% 2.82% 3.03% (0.21 PP) 2.95% Cost/income ratio 46.2% 48.0% (1.8 PP) 48.0% 44.0% 44.2% 47.1% 43.7% 3.3 PP 44.8% Loan/deposit ratio 83.0% 84.3% (1.3 PP) 82.0% 83.2% 82.9% 83.0% 82.9% 0.1 PP 82.0% Provisioning ratio1 0.02% 0.37% (0.35 PP) 0.03% 0.13% 0.24% 0.19% 0.21% (0.02 PP) 0.14% NPE ratio 1.6% 1.6% (0.0 PP) 1.7% 1.7% 1.8% 1.6% 1.8% (0.2 PP) 1.7% NPE coverage ratio 49.2% 48.7% 0.5 PP 46.5% 49.8% 50.2% 49.2% 50.2% (1.0 PP) 46.5% Total assets 223,762 218,360 2.5% 210,265 209,110 203,507 223,762 203,507 10.0% 210,265 RWA 104,942 103,899 1.0% 100,924 97,524 96,086 104,942 96,086 9.2% 100,924 Equity 23,586 23,110 2.1% 22,463 22,091 21,174 23,586 21,174 11.4% 22,463 Loans to customers 111,601 109,120 2.3% 105,610 103,027 102,202 111,601 102,202 9.2% 105,610 - Hereof non-financial corporations %2 44.1% 44.5% (0.4 PP) 45.1% 44.7% 44.8% 44.1% 44.8% (0.7 PP) 45.1% - Hereof households %2 41.2% 41.2% (0.0 PP) 41.8% 41.6% 40.9% 41.2% 40.9% 0.3 PP 41.8% - Hereof FCY % – – – – – – – – – – Deposits from customers 136,297 133,084 2.4% 127,575 125,284 121,440 136,297 121,440 12.2% 127,575 Business outlets 1,304 1,305 (0.1%) 1,322 1,352 1,368 1,304 1,368 (4.7%) 1,322 Number of employees 41,704 42,154 (1.1%) 42,425 42,581 42,765 41,704 42,765 (2.5%) 42,425 Number of customers (in mn) 18.8 18.6 0.7% 18.6 18.2 18.1 18.8 18.1 3.7% 18.6 In EUR mn
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RBI Core Group – excl. Russia 31 July 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 51 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 1,111 1,076 3.2% 1,054 1,056 1,027 2,187 2,073 5.5% 4,184 Net fee and commission income 549 520 5.6% 529 505 502 1,068 969 10.3% 2,002 Net trading income and fair value result (20) 5 – (18) (12) 59 (15) 32 – 1 Other net operating income 51 30 70.0% 38 52 26 81 55 47.6% 146 Operating income 1,726 1,656 4.3% 1,630 1,622 1,639 3,382 3,168 6.8% 6,420 General administrative expenses (894) (896) (0.2%) (894) (837) (874) (1,790) (1,724) 3.8% (3,456) Operating result 832 760 9.5% 736 785 765 1,592 1,444 10.3% 2,964 Other result (72) (86) (16.8%) (13) (65) (166) (158) (232) (32.0%) (310) Gov. measures and compulsory contrib. (49) (177) (72.1%) (49) (46) (37) (227) (153) 48.1% (248) Impairment losses on financial assets (7) (103) (92.8%) (72) (12) (62) (110) (108) 1.9% (192) Profit/loss before tax 704 393 78.8% 603 661 500 1,097 950 15.5% 2,214 Profit/loss after tax 565 258 118.7% 478 528 369 823 687 19.8% 1,693 Consolidated profit/loss 499 209 138.3% 416 460 307 708 567 24.9% 1,443 Return on equity before tax1 17.0% 9.3% 7.8 PP 15.6% 17.3% 13.1% 13.1% 12.2% 0.9 PP 14.3% Return on equity after tax1 13.7% 6.1% 7.6 PP 12.4% 13.9% 9.6% 9.8% 8.8% 1.0 PP 11.0% Consolidated return on equity 13.9% 5.2% 8.8 PP 12.4% 14.0% 8.9% 9.5% 8.1% 1.4 PP 10.6% Net interest margin1 2.27% 2.25% 0.01 PP 2.26% 2.30% 2.27% 2.26% 2.29% (0.03 PP) 2.28% Cost/income ratio 51.0% 53.4% (2.5 PP) 54.1% 50.9% 52.6% 52.2% 53.7% (1.6 PP) 53.1% Loan/deposit ratio 88.8% 89.7% (0.9 PP) 87.2% 88.5% 88.3% 88.8% 88.3% 0.5 PP 87.2% Provisioning ratio1 0.04% 0.36% (0.32 PP) 0.37% 0.01% 0.23% 0.20% 0.21% (0.02 PP) 0.20% NPE ratio 1.6% 1.6% (0.0 PP) 1.7% 1.7% 1.8% 1.6% 1.8% (0.2 PP) 1.7% NPE coverage ratio 46.9% 46.4% 0.5 PP 44.2% 47.7% 48.3% 46.9% 48.3% (1.4 PP) 44.2% Total assets 205,378 201,472 1.9% 193,191 192,826 187,704 205,378 187,704 9.4% 193,191 RWA3 84,020 84,410 (0.5%) 80,932 78,639 76,441 84,020 76,441 9.9% 80,932 Equity 17,094 17,195 (0.6%) 16,845 16,716 15,823 17,094 15,823 8.0% 16,845 Loans to customers 106,959 104,702 2.2% 101,195 98,481 97,480 106,959 97,480 9.7% 101,195 - Hereof non-financial corporations %2 45.4% 45.7% (0.3 PP) 46.3% 45.6% 45.8% 45.4% 45.8% (0.4 PP) 46.3% - Hereof households %2 41.4% 41.4% 0.1 PP 41.8% 41.5% 40.8% 41.4% 40.8% 0.7 PP 41.8% - Hereof FCY % – – – – – – – – – – Deposits from customers 125,401 122,943 2.0% 117,277 115,131 110,764 125,401 110,764 13.2% 117,277 Business outlets 1,241 1,242 (0.1%) 1,256 1,284 1,294 1,241 1,294 (4.1%) 1,256 Number of employees 33,595 33,752 (0.5%) 33,903 33,967 34,108 33,595 34,108 (1.5%) 33,903 Number of customers (in mn) 16.0 15.8 0.9% 15.7 15.3 15.1 16.0 15.1 5.9% 15.7 In EUR mn
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Country Financials (CE) – Czechia 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 31 July 2026 52 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 182 179 1.6% 167 175 165 361 330 9.2% 671 Net fee and commission income 59 55 7.7% 62 58 52 113 99 14.3% 219 Net trading income and fair value result 4 (2) – 5 3 6 1 12 (87.9%) 20 Other net operating income 8 6 36.8% 1 7 3 14 9 59.2% 16 Operating income 251 244 2.7% 238 242 226 495 449 10.5% 929 General administrative expenses (108) (106) 1.6% (106) (107) (103) (214) (203) 5.5% (416) Operating result 143 138 3.4% 132 134 124 281 246 14.5% 512 Other result 0 (0) – 0 0 1 0 1 (83.8%) 1 Gov. measures and compulsory contrib. 1 (11) – (0) (0) 2 (11) (9) 20.7% (9) Impairment losses on financial assets (9) (13) (33.9%) (25) 3 6 (22) 4 – (19) Profit/loss before tax 135 113 19.0% 107 137 132 249 242 2.6% 486 Profit/loss after tax 116 95 21.9% 92 116 111 211 200 5.8% 409 Return on equity before tax1 22.7% 18.1% 4.6 PP 17.6% 23.5% 23.6% 20.4% 21.0% (0.6 PP) 21.7% Return on equity after tax1 19.5% 15.2% 4.3 PP 15.3% 20.0% 19.7% 17.4% 17.3% 0.0 PP 18.2% Net interest margin1 1.85% 1.87% (0.02 PP) 1.80% 1.94% 2.00% 1.86% 2.04% (0.18 PP) 1.95% Cost/income ratio 43.0% 43.4% (0.4 PP) 44.6% 44.4% 45.4% 43.2% 45.2% (2.0 PP) 44.8% Loan/deposit ratio 70.1% 68.8% 1.3 PP 67.1% 67.3% 68.5% 70.1% 68.5% 1.6 PP 67.1% Provisioning ratio1 0.18% 0.27% (0.09 PP) 0.52% (0.05%) (0.14%) 0.22% (0.05%) 0.27 PP 0.10% NPE ratio 0.7% 0.7% (0.0 PP) 0.8% 0.8% 0.8% 0.7% 0.8% (0.1 PP) 0.8% NPE coverage ratio 54.3% 53.7% 0.7 PP 53.1% 51.2% 53.4% 54.3% 53.4% 1.0 PP 53.1% Total assets 42,068 39,966 5.3% 36,472 38,095 34,343 42,068 34,343 22.5% 36,472 RWA 11,354 11,483 (1.1%) 11,116 10,947 10,581 11,354 10,581 7.3% 11,116 Equity 2,554 2,422 5.4% 2,572 2,486 2,404 2,554 2,404 6.2% 2,572 Loans to customers 20,953 20,236 3.5% 19,695 19,036 18,453 20,953 18,453 13.5% 19,695 - Hereof non-financial corporations %2 36.0% 36.0% 0.0 PP 35.9% 35.7% 36.5% 36.0% 36.5% (0.4 PP) 35.9% - Hereof households %2 59.9% 59.6% 0.3 PP 59.9% 59.9% 59.1% 59.9% 59.1% 0.8 PP 59.9% - Hereof FCY % 21.8% 22.6% (0.8 PP) 21.8% 21.7% 23.0% 21.8% 23.0% (1.2 PP) 21.8% Deposits from customers 35,692 34,166 4.5% 30,669 32,332 28,560 35,692 28,560 25.0% 30,669 Business outlets 125 125 0.0% 126 127 127 125 127 (1.6%) 126 Number of employees 3,751 3,700 1.4% 3,807 3,773 3,723 3,751 3,723 0.8% 3,807 Number of customers (in mn) 2.5 2.5 1.3% 2.5 2.5 2.4 2.5 2.4 4.7% 2.5 In EUR mn
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Country Financials (CE) – Hungary 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 119 109 9.6% 108 102 92 228 210 8.4% 420 Net fee and commission income 82 76 8.4% 75 68 68 158 135 16.8% 278 Net trading income and fair value result (19) 2 – (22) (2) 7 (17) (7) 142.3% (30) Other net operating income (0) 1 – (2) 1 1 1 1 4.6% 0 Operating income 181 189 (4.3%) 159 171 169 369 340 8.8% 670 General administrative expenses (103) (93) 11.0% (103) (87) (87) (195) (169) 15.6% (358) Operating result 78 96 (19.0%) 57 84 82 174 171 2.1% 311 Other result (1) 0 – (1) (1) (2) (1) (2) (59.2%) (4) Gov. measures and compulsory contrib. (5) (120) (96.1%) (1) (1) (1) (124) (58) 114.1% (61) Impairment losses on financial assets 16 (15) – (2) (1) 15 0 25 (99.3%) 21 Profit/loss before tax 88 (39) – 52 80 94 49 135 (63.7%) 268 Profit/loss after tax 78 (45) – 44 69 81 33 113 (70.9%) 226 Return on equity before tax1 34.8% – – 19.5% 32.9% 41.2% 8.9% 26.7% (17.7 PP) 27.6% Return on equity after tax1 30.7% – – 16.4% 28.2% 35.4% 6.0% 22.3% (16.3 PP) 23.3% Net interest margin1 3.46% 3.38% 0.07 PP 3.56% 3.37% 3.15% 3.42% 3.61% (0.19 PP) 3.54% Cost/income ratio 48.7% 41.6% 7.1 PP 57.1% 42.6% 43.4% 45.0% 41.7% 3.3 PP 45.5% Loan/deposit ratio 66.0% 62.8% 3.2 PP 63.8% 64.0% 63.0% 66.0% 63.0% 3.0 PP 63.8% Provisioning ratio1 (1.04%) 1.01% (2.05 PP) 0.14% 0.03% (1.26%) (0.05%) (0.99%) 0.94 PP (0.42%) NPE ratio 0.7% 0.7% 0.0 PP 0.8% 0.7% 0.8% 0.7% 0.8% (0.1 PP) 0.8% NPE coverage ratio 47.2% 44.0% 3.2 PP 44.9% 47.2% 45.2% 47.2% 45.2% 2.0 PP 44.9% Total assets 13,980 13,605 2.8% 12,190 12,497 12,008 13,980 12,008 16.4% 12,190 RWA 5,579 5,310 5.1% 5,080 4,753 4,674 5,579 4,674 19.3% 5,080 Equity 1,102 954 15.4% 1,155 1,097 1,005 1,102 1,005 9.7% 1,155 Loans to customers 6,180 5,597 10.4% 5,393 5,175 4,914 6,180 4,914 25.8% 5,393 - Hereof non-financial corporations %2 55.8% 57.5% (1.7 PP) 58.5% 58.7% 58.5% 55.8% 58.5% (2.7 PP) 58.5% - Hereof households %2 35.9% 33.8% 2.1 PP 33.1% 32.5% 32.7% 35.9% 32.7% 3.2 PP 33.1% - Hereof FCY % 40.9% 45.2% (4.3 PP) 44.8% 43.9% 44.5% 40.9% 44.5% (3.6 PP) 44.8% Deposits from customers 9,746 9,439 3.3% 8,610 8,620 8,260 9,746 8,260 18.0% 8,610 Business outlets 68 68 0.0% 68 68 68 68 68 0.0% 68 Number of employees 3,053 3,040 0.4% 3,016 3,004 2,973 3,053 2,973 2.7% 3,016 Number of customers (in mn) 0.6 0.6 0.8% 0.5 0.5 0.5 0.6 0.5 5.1% 0.5 In EUR mn
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Country Financials (CE) – Poland 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 2 3 (13.9%) 3 5 4 5 11 (53.3%) 19 Net fee and commission income (0) 0 – (0) 0 0 0 0 (90.6%) 0 Net trading income and fair value result 1 (0) – 0 (0) 0 0 1 (19.2%) 0 Other net operating income 6 3 83.1% 8 5 5 9 9 3.1% 22 Operating income 9 6 56.8% 11 10 9 15 21 (28.9%) 42 General administrative expenses (15) (23) (34.0%) (32) (18) (20) (38) (41) (8.4%) (92) Operating result (6) (17) (64.6%) (21) (9) (10) (23) (20) 12.5% (50) Other result (70) (77) (8.9%) (2) (66) (161) (146) (227) (35.5%) (296) Gov. measures and compulsory contrib. (1) (1) (17.0%) (1) (1) (1) (1) (2) (5.5%) (3) Impairment losses on financial assets 27 6 394.7% (0) 2 2 33 22 51.3% 24 Profit/loss before tax (49) (89) (44.7%) (24) (74) (170) (138) (227) (39.3%) (325) Profit/loss after tax (49) (89) (44.7%) (24) (74) (170) (138) (227) (39.3%) (325) Return on equity before tax1 – – – – – – – – – – Return on equity after tax1 – – – – – – – – – – Net interest margin1 0.67% 0.66% 0.02 PP 0.74% 1.19% 0.92% 0.68% 1.31% (0.63 PP) 1.14% Cost/income ratio – – – – – – – – – – Loan/deposit ratio – – – – – – – – – – Provisioning ratio1 (19.92%) (2.42%) (17.50 PP) 0.06% (0.94%) (0.96%) (9.26%) (4.50%) (4.77 PP) (2.51%) NPE ratio 5.1% 4.4% 0.7 PP 5.3% 5.4% 5.2% 5.1% 5.2% (0.0 PP) 5.3% NPE coverage ratio 92.4% 89.9% 2.5 PP 88.9% 88.4% 88.2% 92.4% 88.2% 4.2 PP 88.9% Total assets 1,064 1,810 (41.2%) 1,601 1,667 1,780 1,064 1,780 (40.2%) 1,601 RWA 1,576 2,103 (25.1%) 2,040 2,166 2,235 1,576 2,235 (29.5%) 2,040 Equity – – – – – – – – – – Loans to customers 206 895 (77.0%) 929 915 957 206 957 (78.5%) 929 - Hereof non-financial corporations %2 2.4% 0.5% 2.0 PP 0.5% 0.5% 0.5% 2.4% 0.5% 1.9 PP 0.5% - Hereof households %2 97.6% 99.5% (2.0 PP) 99.5% 99.5% 99.5% 97.6% 99.5% (1.9 PP) 99.5% - Hereof FCY % 91.8% 97.7% (5.9 PP) 97.7% 97.7% 97.7% 91.8% 97.7% (5.9 PP) 97.7% Deposits from customers 13 14 (5.7%) 12 12 13 13 13 0.3% 12 Business outlets 1 1 0.0% 1 1 1 1 1 0.0% 1 Number of employees 326 327 (0.3%) 330 330 333 326 333 (2.1%) 330 Number of customers (in mn) 0.0 0.0 (5.2%) 0.0 0.0 0.0 0.0 0.0 (18.9%) 0.0 In EUR mn
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Country Financials (CE) – Slovakia 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 145 144 0.6% 141 138 132 289 260 11.0% 539 Net fee and commission income 57 54 4.7% 54 51 50 111 101 9.8% 206 Net trading income and fair value result 3 4 (25.5%) 3 2 4 7 8 (8.7%) 13 Other net operating income 2 2 (24.8%) 2 11 2 4 4 (7.8%) 17 Operating income 206 207 (0.8%) 201 202 188 413 373 10.9% 775 General administrative expenses (88) (89) (0.7%) (87) (81) (84) (178) (166) 6.9% (335) Operating result 117 118 (0.9%) 114 120 104 236 207 14.0% 440 Other result 0 (0) – (14) 0 0 0 0 >500,0% (14) Gov. measures and compulsory contrib. 0 (2) – 0 0 0 (2) (1) 61.0% (1) Impairment losses on financial assets (5) (27) (81.6%) (8) (14) (12) (32) (12) 171.3% (34) Profit/loss before tax 112 89 26.0% 92 106 93 202 193 4.3% 391 Profit/loss after tax 79 55 42.6% 58 75 64 134 130 3.1% 263 Return on equity before tax1 28.5% 20.9% 7.6 PP 22.0% 26.6% 24.3% 24.6% 23.9% 0.8 PP 25.0% Return on equity after tax1 20.0% 13.0% 7.0 PP 14.0% 18.7% 16.8% 16.4% 16.1% 0.3 PP 16.8% Net interest margin1 2.55% 2.53% 0.02 PP 2.57% 2.63% 2.60% 2.53% 2.55% (0.02 PP) 2.58% Cost/income ratio 43.0% 43.0% 0.0 PP 43.4% 40.4% 44.6% 43.0% 44.6% (1.6 PP) 43.2% Loan/deposit ratio 103.7% 101.9% 1.8 PP 99.8% 105.4% 103.2% 103.7% 103.2% 0.5 PP 99.8% Provisioning ratio1 0.12% 0.61% (0.49 PP) 0.18% 0.37% 0.31% 0.36% 0.15% 0.21 PP 0.21% NPE ratio 1.3% 1.3% 0.0 PP 1.2% 1.3% 1.3% 1.3% 1.3% (0.0 PP) 1.2% NPE coverage ratio 59.0% 57.8% 1.2 PP 58.5% 61.1% 60.7% 59.0% 60.7% (1.7 PP) 58.5% Total assets 23,358 22,982 1.6% 23,113 21,888 21,065 23,358 21,065 10.9% 23,113 RWA 8,872 8,391 5.7% 8,317 8,136 7,835 8,872 7,835 13.2% 8,317 Equity 1,685 1,604 5.1% 1,757 1,700 1,626 1,685 1,626 3.6% 1,757 Loans to customers 17,025 16,502 3.2% 16,208 15,705 15,209 17,025 15,209 11.9% 16,208 - Hereof non-financial corporations %2 41.9% 42.1% (0.2 PP) 42.6% 43.3% 43.7% 41.9% 43.7% (1.8 PP) 42.6% - Hereof households %2 56.1% 56.0% 0.1 PP 55.3% 54.9% 54.5% 56.1% 54.5% 1.6 PP 55.3% - Hereof FCY % 0.2% 0.2% 0.0 PP 0.2% 0.2% 0.1% 0.2% 0.1% 0.1 PP 0.2% Deposits from customers 17,235 17,070 1.0% 17,227 15,906 15,739 17,235 15,739 9.5% 17,227 Business outlets 139 139 0.0% 139 140 141 139 141 (1.4%) 139 Number of employees 3,513 3,547 (1.0%) 3,546 3,549 3,541 3,513 3,541 (0.8%) 3,546 Number of customers (in mn) 1.5 1.5 (1.3%) 1.5 1.5 1.5 1.5 1.5 2.0% 1.5 In EUR mn
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Country Financials (SEE) – Albania 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 34 34 0.5% 33 34 33 67 65 3.3% 132 Net fee and commission income 8 7 12.8% 5 8 8 15 15 (0.8%) 28 Net trading income and fair value result 2 1 47.4% 2 1 1 3 3 12.0% 6 Other net operating income 0 (0) – (1) 0 1 0 1 (88.0%) 0 Operating income 44 43 1.0% 40 42 45 87 85 2.0% 167 General administrative expenses (20) (18) 8.0% (21) (17) (18) (38) (34) 11.8% (72) Operating result 24 25 (4.0%) 19 25 27 49 51 (4.5%) 96 Other result 0 0 – (1) 0 0 0 0 – (1) Gov. measures and compulsory contrib. (2) (4) (47.4%) (2) (2) (2) (6) (5) 9.7% (9) Impairment losses on financial assets 2 0 >500,0% 1 1 (0) 2 3 (30.9%) 5 Profit/loss before tax 24 22 11.8% 17 24 25 46 50 (7.8%) 91 Profit/loss after tax 21 19 10.5% 14 20 21 39 42 (7.2%) 77 Return on equity before tax1 25.6% 23.1% 2.5 PP 19.0% 27.5% 29.7% 24.7% 30.1% (5.3 PP) 28.4% Return on equity after tax1 21.7% 19.8% 1.9 PP 15.8% 23.3% 25.0% 21.1% 25.4% (4.4 PP) 24.0% Net interest margin1 4.00% 4.16% (0.16 PP) 4.25% 4.35% 4.44% 4.08% 4.50% (0.42 PP) 4.41% Cost/income ratio 45.0% 42.1% 2.9 PP 52.1% 40.6% 39.4% 43.6% 39.7% 3.8 PP 42.9% Loan/deposit ratio 54.2% 55.5% (1.3 PP) 55.1% 54.1% 55.0% 54.2% 55.0% (0.8 PP) 55.1% Provisioning ratio1 (0.53%) (0.09%) (0.45 PP) (0.14%) (0.27%) 0.05% (0.31%) (0.52%) 0.21 PP (0.36%) NPE ratio 1.9% 2.0% (0.1 PP) 2.2% 2.3% 2.3% 1.9% 2.3% (0.4 PP) 2.2% NPE coverage ratio 76.8% 77.0% (0.2 PP) 73.2% 73.4% 74.8% 76.8% 74.8% 2.0 PP 73.2% Total assets 3,659 3,461 5.7% 3,367 3,308 3,246 3,659 3,246 12.7% 3,367 RWA 2,235 2,152 3.8% 1,945 1,958 1,922 2,235 1,922 16.3% 1,945 Equity 400 396 0.8% 375 384 359 400 359 11.3% 375 Loans to customers 1,600 1,539 4.0% 1,507 1,429 1,401 1,600 1,401 14.2% 1,507 - Hereof non-financial corporations %2 50.5% 51.8% (1.4 PP) 52.7% 51.9% 53.2% 50.5% 53.2% (2.7 PP) 52.7% - Hereof households %2 49.5% 47.9% 1.6 PP 47.2% 47.9% 46.7% 49.5% 46.7% 2.8 PP 47.2% - Hereof FCY % 33.1% 35.0% (1.9 PP) 35.4% 35.6% 36.4% 33.1% 36.4% (3.3 PP) 35.4% Deposits from customers 3,132 2,884 8.6% 2,818 2,722 2,627 3,132 2,627 19.2% 2,818 Business outlets 74 74 0.0% 76 76 76 74 76 (2.6%) 76 Number of employees 1,360 1,359 0.1% 1,354 1,343 1,323 1,360 1,323 2.8% 1,354 Number of customers (in mn) 0.5 0.5 1.2% 0.5 0.5 0.5 0.5 0.5 8.1% 0.5 In EUR mn
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Country Financials (SEE) – Bosnia and Herzegovina 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 22 22 (0.6%) 22 22 21 43 43 (0.0%) 87 Net fee and commission income 16 14 7.8% 17 17 15 30 29 4.1% 63 Net trading income and fair value result 0 0 (77.8%) 0 (0) 0 0 0 5.0% 0 Other net operating income (0) (0) (39.4%) 3 (0) 1 (0) 1 – 4 Operating income 41 36 12.2% 42 38 39 77 75 2.5% 155 General administrative expenses (18) (17) 4.2% (21) (18) (18) (36) (34) 3.4% (73) Operating result 22 19 19.8% 20 21 21 41 40 1.8% 82 Other result (0) (0) (26.0%) 4 0 (0) (0) (0) >500,0% 4 Gov. measures and compulsory contrib. (2) (2) 1.4% (2) (2) (2) (3) (3) 6.0% (6) Impairment losses on financial assets (1) (3) (79.8%) (2) (1) (0) (4) (2) 91.7% (6) Profit/loss before tax 20 14 44.0% 21 18 19 34 35 (3.8%) 74 Profit/loss after tax 19 13 46.3% 20 16 17 31 32 (1.5%) 68 Return on equity before tax1 18.2% 12.3% 5.9 PP 19.5% 17.6% 18.6% 15.5% 17.8% (2.3 PP) 18.9% Return on equity after tax1 16.9% 11.2% 5.7 PP 18.5% 16.0% 16.9% 14.3% 16.0% (1.7 PP) 17.3% Net interest margin1 2.92% 2.98% (0.06 PP) 3.05% 3.09% 3.12% 2.95% 3.16% (0.21 PP) 3.11% Cost/income ratio 44.8% 48.3% (3.5 PP) 51.0% 45.8% 46.7% 46.5% 46.1% 0.4 PP 47.3% Loan/deposit ratio 73.1% 72.0% 1.1 PP 69.5% 69.8% 71.0% 73.1% 71.0% 2.0 PP 69.5% Provisioning ratio1 0.16% 0.65% (0.49 PP) 0.43% 0.33% 0.06% 0.40% 0.23% 0.17 PP 0.31% NPE ratio 1.6% 2.0% (0.4 PP) 2.0% 2.0% 2.1% 1.6% 2.1% (0.5 PP) 2.0% NPE coverage ratio 73.2% 74.1% (0.8 PP) 76.1% 77.0% 77.0% 73.2% 77.0% (3.8 PP) 76.1% Total assets 3,259 3,157 3.2% 3,149 3,098 3,015 3,259 3,015 8.1% 3,149 RWA 1,551 1,594 (2.7%) 1,569 1,628 1,598 1,551 1,598 (2.9%) 1,569 Equity 446 468 (4.5%) 455 435 419 446 419 6.6% 455 Loans to customers 1,817 1,736 4.7% 1,698 1,676 1,657 1,817 1,657 9.6% 1,698 - Hereof non-financial corporations %2 35.6% 34.9% 0.7 PP 34.8% 36.3% 36.9% 35.6% 36.9% (1.3 PP) 34.8% - Hereof households %2 60.9% 61.8% (0.9 PP) 61.6% 60.7% 60.0% 60.9% 60.0% 0.9 PP 61.6% - Hereof FCY % 3.5% 4.0% (0.4 PP) 4.0% 4.3% 3.9% 3.5% 3.9% (0.4 PP) 4.0% Deposits from customers 2,638 2,558 3.1% 2,575 2,533 2,463 2,638 2,463 7.1% 2,575 Business outlets 85 85 0.0% 85 85 85 85 85 0.0% 85 Number of employees 1,302 1,332 (2.3%) 1,327 1,330 1,347 1,302 1,347 (3.3%) 1,327 Number of customers (in mn) 0.5 0.5 0.4% 0.5 0.5 0.5 0.5 0.5 8.6% 0.5 In EUR mn
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Country Financials (SEE) – Croatia 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 52 48 10.1% 49 48 49 100 96 4.7% 193 Net fee and commission income 21 18 11.1% 19 21 19 39 38 2.3% 78 Net trading income and fair value result 1 6 (87.8%) 2 1 1 7 (2) – 0 Other net operating income (4) (4) 9.3% (2) 3 (8) (8) (1) >500,0% 0 Operating income 70 68 1.9% 69 71 63 138 132 4.6% 272 General administrative expenses (38) (37) 4.1% (39) (34) (34) (75) (68) 9.9% (141) Operating result 31 32 (0.7%) 30 37 29 63 64 (1.1%) 131 Other result 1 (0) – 0 (2) (5) 1 (6) – (8) Gov. measures and compulsory contrib. 0 0 – (2) 0 0 0 0 – (2) Impairment losses on financial assets (1) (5) (81.4%) (5) 3 (7) (6) (9) (32.0%) (10) Profit/loss before tax 32 26 19.7% 23 37 16 58 50 16.7% 110 Profit/loss after tax 26 21 20.4% 17 30 13 47 41 16.7% 88 Return on equity before tax1 17.6% 14.4% 3.2 PP 13.3% 22.0% 9.3% 16.2% 14.2% 1.9 PP 16.3% Return on equity after tax1 14.4% 11.7% 2.7 PP 9.8% 17.9% 7.5% 13.2% 11.6% 1.6 PP 13.1% Net interest margin1 2.64% 2.45% 0.19 PP 2.62% 2.59% 2.69% 2.55% 2.69% (0.14 PP) 2.64% Cost/income ratio 54.8% 53.7% 1.2 PP 56.6% 48.3% 54.6% 54.3% 51.6% 2.6 PP 52.0% Loan/deposit ratio 66.7% 66.2% 0.4 PP 64.7% 65.8% 68.7% 66.7% 68.7% (2.0 PP) 64.7% Provisioning ratio1 0.09% 0.48% (0.39 PP) 0.47% (0.30%) 0.75% 0.29% 0.46% (0.17 PP) 0.27% NPE ratio 1.7% 1.5% 0.2 PP 1.6% 1.7% 1.7% 1.7% 1.7% (0.0 PP) 1.6% NPE coverage ratio 62.6% 67.6% (5.0 PP) 59.7% 63.6% 63.1% 62.6% 63.1% (0.5 PP) 59.7% Total assets 8,371 8,362 0.1% 8,098 7,852 7,739 8,371 7,739 8.2% 8,098 RWA 3,436 3,351 2.5% 3,247 2,760 2,601 3,436 2,601 32.1% 3,247 Equity 729 754 (3.3%) 733 715 685 729 685 6.5% 733 Loans to customers 4,021 3,950 1.8% 3,859 3,789 3,735 4,021 3,735 7.7% 3,859 - Hereof non-financial corporations %2 34.5% 34.7% (0.1 PP) 34.9% 34.1% 34.4% 34.5% 34.4% 0.1 PP 34.9% - Hereof households %2 61.1% 60.2% 0.9 PP 60.1% 59.9% 59.2% 61.1% 59.2% 1.9 PP 60.1% - 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 6,368 6,119 4.1% 6,162 5,907 5,616 6,368 5,616 13.4% 6,162 Business outlets 66 67 (1.5%) 67 67 67 66 67 (1.5%) 67 Number of employees 1,727 1,747 (1.1%) 1,741 1,755 1,768 1,727 1,768 (2.3%) 1,741 Number of customers (in mn) 0.5 0.5 1.0% 0.5 0.5 0.5 0.5 0.5 2.8% 0.5 In EUR mn
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Country Financials (SEE) – Kosovo 31 July 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 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 20 18 7.1% 18 18 18 38 35 7.7% 71 Net fee and commission income 5 3 46.6% 4 5 6 8 9 (12.4%) 19 Net trading income and fair value result 0 0 (44.1%) 0 0 0 0 0 5.7% 0 Other net operating income 0 0 46.3% 1 1 1 1 1 (38.4%) 3 Operating income 25 22 13.3% 24 24 25 46 46 0.9% 94 General administrative expenses (12) (12) (2.1%) (12) (11) (12) (24) (24) 0.5% (47) Operating result 13 10 32.2% 12 13 12 23 22 1.3% 47 Other result 0 0 – 0 0 0 0 0 – 0 Gov. measures and compulsory contrib. (1) (1) 4.4% (1) (1) (1) (2) (2) 14.2% (3) Impairment losses on financial assets 0 (3) – (5) (0) (4) (3) (3) (2.8%) (9) Profit/loss before tax 12 5 123.5% 6 12 7 17 17 0.8% 35 Profit/loss after tax 11 5 120.6% 6 11 7 15 15 1.1% 31 Return on equity before tax1 25.7% 11.6% 14.1 PP 14.1% 26.4% 16.7% 18.8% 19.7% (0.9 PP) 21.0% Return on equity after tax1 22.7% 10.4% 12.3 PP 13.2% 24.0% 14.6% 16.7% 17.4% (0.8 PP) 18.9% Net interest margin1 4.21% 4.03% 0.17 PP 4.29% 4.49% 4.66% 4.12% 4.66% (0.54 PP) 4.50% Cost/income ratio 47.7% 55.2% (7.5 PP) 49.9% 47.1% 49.6% 51.2% 51.4% (0.2 PP) 49.9% Loan/deposit ratio 89.5% 89.4% 0.1 PP 87.2% 90.8% 91.9% 89.5% 91.9% (2.4 PP) 87.2% Provisioning ratio1 (0.02%) 1.06% (1.08 PP) 1.53% 0.10% 1.40% 0.51% 0.60% (0.09 PP) 0.72% NPE ratio 3.0% 3.2% (0.2 PP) 3.2% 3.4% 3.0% 3.0% 3.0% (0.0 PP) 3.2% NPE coverage ratio 73.8% 75.6% (1.8 PP) 76.2% 68.8% 68.1% 73.8% 68.1% 5.7 PP 76.2% Total assets 2,048 1,967 4.1% 1,978 1,786 1,671 2,048 1,671 22.5% 1,978 RWA 1,263 1,206 4.7% 1,168 1,116 1,109 1,263 1,109 13.9% 1,168 Equity 200 189 5.8% 184 178 190 200 190 5.2% 184 Loans to customers 1,370 1,340 2.3% 1,303 1,260 1,218 1,370 1,218 12.5% 1,303 - Hereof non-financial corporations %2 33.5% 34.1% (0.6 PP) 34.6% 34.1% 34.5% 33.5% 34.5% (1.0 PP) 34.6% - Hereof households %2 66.3% 65.6% 0.7 PP 65.3% 65.7% 65.3% 66.3% 65.3% 0.9 PP 65.3% - 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 1,592 1,557 2.2% 1,553 1,443 1,350 1,592 1,350 17.9% 1,553 Business outlets 37 36 2.8% 37 37 37 37 37 0.0% 37 Number of employees 817 843 (3.1%) 885 901 920 817 920 (11.2%) 885 Number of customers (in mn) 0.4 0.4 2.4% 0.4 0.4 0.4 0.4 0.4 8.3% 0.4 In EUR mn
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Country Financials (SEE) – Romania 31 July 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 60 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 156 158 (1.3%) 162 164 159 314 318 (1.3%) 644 Net fee and commission income 64 63 1.4% 68 64 68 128 116 10.1% 248 Net trading income and fair value result 1 0 104.0% 1 0 4 1 8 (87.2%) 9 Other net operating income 1 (5) – 1 5 (3) (5) (3) 34.5% 3 Operating income 222 217 2.5% 233 232 229 439 440 (0.1%) 905 General administrative expenses (97) (93) 4.6% (109) (92) (97) (190) (187) 1.6% (387) Operating result 125 124 0.9% 124 140 133 250 253 (1.3%) 517 Other result (1) (1) 72.8% (2) 0 (1) (2) (1) 122.0% (2) Gov. measures and compulsory contrib. (14) (14) 5.8% (14) (14) (7) (28) (22) 25.8% (50) Impairment losses on financial assets 1 (17) – (12) (10) (13) (16) (11) 43.8% (33) Profit/loss before tax 111 93 18.9% 96 117 112 203 219 (6.9%) 431 Profit/loss after tax 89 75 18.2% 77 94 91 163 178 (7.9%) 349 Return on equity before tax1 25.2% 20.2% 5.0 PP 22.4% 28.8% 27.3% 23.4% 27.0% (3.7 PP) 27.7% Return on equity after tax1 20.2% 16.3% 3.9 PP 18.1% 23.4% 22.3% 18.8% 22.0% (3.2 PP) 22.4% Net interest margin1 3.62% 3.73% (0.11 PP) 4.02% 4.15% 3.90% 3.67% 3.90% (0.23 PP) 3.98% Cost/income ratio 43.6% 42.7% 0.9 PP 46.6% 39.7% 42.1% 43.2% 42.5% 0.7 PP 42.8% Loan/deposit ratio 73.7% 74.3% (0.5 PP) 68.8% 73.4% 69.6% 73.7% 69.6% 4.2 PP 68.8% Provisioning ratio1 0.02% 0.60% (0.57 PP) 0.50% 0.39% 0.49% 0.31% 0.21% 0.10 PP 0.33% NPE ratio 1.5% 1.4% 0.1 PP 1.5% 1.5% 1.5% 1.5% 1.5% (0.0 PP) 1.5% NPE coverage ratio 60.9% 61.1% (0.2 PP) 61.5% 62.6% 62.2% 60.9% 62.2% (1.3 PP) 61.5% Total assets 17,650 17,726 (0.4%) 17,485 16,154 16,466 17,650 16,466 7.2% 17,485 RWA 8,543 8,486 0.7% 8,009 7,502 7,089 8,543 7,089 20.5% 8,009 Equity 1,770 1,904 (7.0%) 1,839 1,759 1,662 1,770 1,662 6.5% 1,839 Loans to customers 10,331 10,162 1.7% 9,852 9,599 9,200 10,331 9,200 12.3% 9,852 - Hereof non-financial corporations %2 49.7% 51.7% (2.0 PP) 50.6% 51.5% 52.5% 49.7% 52.5% (2.8 PP) 50.6% - Hereof households %2 42.5% 41.8% 0.8 PP 42.1% 42.1% 42.7% 42.5% 42.7% (0.1 PP) 42.1% - Hereof FCY % 38.0% 37.9% 0.1 PP 34.8% 35.3% 33.5% 38.0% 33.5% 4.5 PP 34.8% Deposits from customers 13,385 13,283 0.8% 13,628 12,561 12,909 13,385 12,909 3.7% 13,628 Business outlets 267 267 0.0% 269 272 275 267 275 (2.9%) 269 Number of employees 4,738 4,774 (0.8%) 4,801 4,829 4,925 4,738 4,925 (3.8%) 4,801 Number of customers (in mn) 2.4 2.4 1.3% 2.3 2.3 2.3 2.4 2.3 5.4% 2.3 In EUR mn
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Country Financials (SEE) – Serbia 31 July 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 61 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 69 67 3.1% 70 69 66 137 133 2.4% 272 Net fee and commission income 39 35 12.0% 39 35 34 73 64 14.1% 138 Net trading income and fair value result 3 4 (20.5%) 4 4 4 7 7 (9.5%) 16 Other net operating income 2 3 (21.8%) (1) 2 4 5 7 (33.9%) 7 Operating income 114 108 5.7% 112 110 108 222 212 4.9% 434 General administrative expenses (35) (33) 5.5% (37) (33) (33) (68) (62) 9.7% (131) Operating result 79 75 5.8% 75 77 76 154 150 2.9% 302 Other result 0 0 71.0% 0 0 0 0 0 (16.8%) 1 Gov. measures and compulsory contrib. (7) (2) 204.0% (4) (4) (4) (9) (7) 30.0% (14) Impairment losses on financial assets 0 5 (95.9%) (1) 3 1 5 (1) – 2 Profit/loss before tax 73 78 (6.4%) 71 77 74 151 143 5.7% 291 Profit/loss after tax 63 67 (6.1%) 62 67 63 131 123 6.3% 252 Return on equity before tax1 40.0% 35.2% 4.8 PP 32.7% 37.6% 39.0% 37.5% 35.1% 2.4 PP 37.9% Return on equity after tax1 34.7% 30.5% 4.3 PP 28.5% 32.5% 33.5% 32.5% 30.2% 2.3 PP 32.8% Net interest margin1 4.31% 4.29% 0.02 PP 4.42% 4.48% 4.46% 4.30% 4.51% (0.21 PP) 4.47% Cost/income ratio 30.5% 30.6% (0.1 PP) 32.7% 29.8% 30.1% 30.6% 29.2% 1.3 PP 30.3% Loan/deposit ratio 68.7% 66.5% 2.3 PP 65.8% 64.4% 64.1% 68.7% 64.1% 4.7 PP 65.8% Provisioning ratio1 (0.02%) (0.58%) 0.56 PP 0.12% (0.40%) (0.19%) (0.30%) 0.03% (0.33 PP) (0.05%) NPE ratio 1.0% 1.1% (0.0 PP) 1.2% 1.3% 1.3% 1.0% 1.3% (0.2 PP) 1.2% NPE coverage ratio 62.0% 62.4% (0.4 PP) 64.7% 65.2% 62.0% 62.0% 62.0% (0.0 PP) 64.7% Total assets 7,036 6,737 4.4% 6,676 6,685 6,431 7,036 6,431 9.4% 6,676 RWA 3,819 3,634 5.1% 3,544 3,378 3,332 3,819 3,332 14.6% 3,544 Equity 828 763 8.6% 949 917 852 828 852 (2.9%) 949 Loans to customers 3,765 3,509 7.3% 3,478 3,328 3,209 3,765 3,209 17.3% 3,478 - Hereof non-financial corporations %2 51.1% 50.8% 0.4 PP 52.8% 53.1% 53.7% 51.1% 53.7% (2.6 PP) 52.8% - Hereof households %2 48.6% 49.0% (0.4 PP) 47.0% 46.6% 45.9% 48.6% 45.9% 2.7 PP 47.0% - Hereof FCY % 65.9% 66.4% (0.5 PP) 67.2% 68.6% 69.3% 65.9% 69.3% (3.4 PP) 67.2% Deposits from customers 5,556 5,364 3.6% 5,367 5,201 5,024 5,556 5,024 10.6% 5,367 Business outlets 104 104 0.0% 104 104 105 104 105 (1.0%) 104 Number of employees 2,149 2,159 (0.5%) 2,156 2,182 2,207 2,149 2,207 (2.6%) 2,156 Number of customers (in mn) 1.2 1.2 1.5% 1.1 1.1 1.1 1.2 1.1 6.5% 1.1 In EUR mn
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Country Financials – Ukraine 31 July 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 62 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 102 98 3.4% 98 101 100 200 202 (0.9%) 401 Net fee and commission income 15 12 29.7% 14 12 23 27 38 (28.1%) 65 Net trading income and fair value result 2 5 (60.8%) 2 2 (0) 7 5 56.1% 9 Other net operating income 1 0 57.7% 3 0 (0) 1 (0) – 3 Operating income 120 116 3.3% 118 116 123 236 245 (3.5%) 478 General administrative expenses (48) (49) (1.8%) (58) (47) (49) (98) (100) (2.6%) (206) Operating result 72 67 7.1% 60 69 74 138 144 (4.0%) 272 Other result 0 (1) – (1) 0 (0) (1) (1) (44.5%) (2) Gov. measures and compulsory contrib. (3) (3) 4.5% (3) (3) (3) (6) (6) 7.6% (12) Impairment losses on financial assets (0) (7) (92.8%) 38 6 3 (7) 4 – 48 Profit/loss before tax 68 56 21.3% 93 72 74 124 141 (12.0%) 307 Profit/loss after tax 45 26 74.1% 71 54 54 70 104 (32.7%) 229 Return on equity before tax1 34.7% 29.2% 5.5 PP 54.1% 44.7% 48.4% 32.4% 46.5% (14.0 PP) 52.1% Return on equity after tax1 22.8% 13.4% 9.4 PP 40.8% 33.6% 35.1% 18.4% 34.5% (16.1 PP) 39.0% Net interest margin1 8.67% 8.64% 0.02 PP 8.67% 8.91% 8.93% 8.64% 8.92% (0.28 PP) 8.84% Cost/income ratio 40.4% 42.5% (2.1 PP) 49.5% 40.8% 39.7% 41.4% 41.1% 0.4 PP 43.1% Loan/deposit ratio 43.0% 42.4% 0.7 PP 41.4% 39.5% 36.2% 43.0% 36.2% 6.8 PP 41.4% Provisioning ratio1 0.37% 0.39% (0.02 PP) (4.38%) (4.29%) (1.86%) 0.38% (1.01%) 1.40 PP (2.72%) NPE ratio 2.7% 3.1% (0.3 PP) 3.1% 3.3% 3.7% 2.7% 3.7% (1.0 PP) 3.1% NPE coverage ratio 83.9% 83.1% 0.8 PP 82.3% 85.1% 86.2% 83.9% 86.2% (2.4 PP) 82.3% Total assets 5,251 5,125 2.5% 5,002 4,982 4,820 5,251 4,820 8.9% 5,002 RWA 4,489 4,471 0.4% 4,370 4,557 4,609 4,489 4,609 (2.6%) 4,370 Equity 834 802 4.0% 773 734 667 834 667 25.1% 773 Loans to customers 1,856 1,716 8.1% 1,697 1,575 1,436 1,856 1,436 29.3% 1,697 - Hereof non-financial corporations %2 84.4% 86.5% (2.1 PP) 84.7% 86.2% 85.5% 84.4% 85.5% (1.1 PP) 84.7% - Hereof households %2 11.5% 11.9% (0.4 PP) 11.5% 11.8% 11.8% 11.5% 11.8% (0.4 PP) 11.5% - Hereof FCY % 23.5% 26.7% (3.2 PP) 28.1% 28.8% 25.8% 23.5% 25.8% (2.3 PP) 28.1% Deposits from customers 4,219 4,073 3.6% 4,034 3,991 3,936 4,219 3,936 7.2% 4,034 Business outlets 256 257 (0.4%) 266 290 295 256 295 (13.2%) 266 Number of employees 4,814 4,916 (2.1%) 5,078 5,113 5,135 4,814 5,135 (6.3%) 5,078 Number of customers (in mn) 3.1 3.1 1.1% 3.1 3.0 2.9 3.1 2.9 8.2% 3.1 In EUR mn
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Country Financials – Russia 31 July 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 63 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 397 383 3.7% 389 402 441 780 898 (13.2%) 1,690 Net fee and commission income 180 173 3.7% 170 174 183 353 385 (8.2%) 729 Net trading income and fair value result 2 1 175.0% 57 57 59 2 124 (98.3%) 238 Other net operating income (2) 4 – 15 0 2 2 1 89.1% 16 Operating income 577 561 2.8% 632 635 685 1,137 1,408 (19.2%) 2,674 General administrative expenses (185) (180) 2.7% (204) (171) (166) (365) (314) 16.3% (688) Operating result 391 381 2.8% 428 464 519 772 1,094 (29.4%) 1,986 Other result (1) (15) (94.8%) (344) 4 (1,269) (16) (1,268) (98.7%) (1,609) Gov. measures and compulsory contrib. (6) (5) 6.3% (5) (5) (6) (11) (11) (4.2%) (22) Impairment losses on financial assets 6 (7) – 84 (32) (5) (1) (1) (35.7%) 51 Profit/loss before tax 392 353 11.0% 163 431 (761) 744 (187) – 406 Profit/loss after tax 289 261 10.9% 32 319 (861) 550 (437) – (86) Return on equity before tax1 27.0% 24.7% 2.3 PP 9.5% 24.9% 12.0% 25.3% 15.7% 9.5 PP 6.5% Return on equity after tax1 19.9% 18.3% 1.7 PP 1.9% 18.5% 5.7% 18.6% 6.9% 11.7 PP – Net interest margin1 8.60% 8.57% 0.03 PP 8.93% 9.48% 10.08% 8.53% 10.32% (1.79 PP) 9.74% Cost/income ratio 32.1% 32.1% (0.0 PP) 32.2% 26.9% 24.2% 32.1% 22.3% 9.8 PP 25.7% Loan/deposit ratio 22.9% 25.5% (2.6 PP) 26.6% 29.4% 31.3% 22.9% 31.3% (8.4 PP) 26.6% Provisioning ratio1 (0.54%) 0.67% (1.21 PP) (7.43%) 2.75% 0.44% 0.06% 0.12% (0.06 PP) (1.03%) NPE ratio 1.2% 1.3% (0.1 PP) 1.2% 1.7% 1.6% 1.2% 1.6% (0.5 PP) 1.2% NPE coverage ratio 80.8% 79.1% 1.7 PP 78.8% 73.7% 70.7% 80.8% 70.7% 10.1 PP 78.8% Total assets 19,819 18,421 7.6% 18,505 17,665 18,081 19,819 18,081 9.6% 18,505 RWA 20,610 20,035 2.9% 19,042 18,021 18,632 20,610 18,632 10.6% 19,042 Equity 6,494 5,915 9.8% 5,622 5,377 5,352 6,494 5,352 21.3% 5,622 Loans to customers 4,642 4,418 5.1% 4,415 4,546 4,722 4,642 4,722 (1.7%) 4,415 - Hereof non-financial corporations %2 13.8% 15.7% (2.0 PP) 17.2% 21.4% 23.0% 13.8% 23.0% (9.2 PP) 17.2% - Hereof households %2 36.0% 38.0% (2.0 PP) 40.1% 39.8% 43.2% 36.0% 43.2% (7.2 PP) 40.1% - Hereof FCY % 3.2% 4.2% (1.0 PP) 4.1% 4.4% 4.4% 3.2% 4.4% (1.2 PP) 4.1% Deposits from customers 10,896 10,141 7.4% 10,298 10,153 10,676 10,896 10,676 2.1% 10,298 Business outlets 63 63 0.0% 66 68 74 63 74 (14.9%) 66 Number of employees 8,109 8,402 (3.5%) 8,522 8,614 8,657 8,109 8,657 (6.3%) 8,522 Number of customers (in mn) 2.8 2.8 0.1% 2.9 2.9 3.0 2.8 3.0 (7.3%) 2.9 In EUR mn
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Group Corporates & Markets 31 July 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 64 Q2/2026 Q1/2026 q-o-q Q4/2025 Q3/2025 Q2/2025 1-6/2026 1-6/2025 y-o-y 1-12/2025 Net interest income 179 176 1.4% 179 170 190 355 377 (5.8%) 725 Net fee and commission income 168 175 (4.4%) 153 152 147 343 295 16.2% 600 Net trading income and fair value result 65 44 48.7% 40 16 75 109 100 9.8% 155 Other net operating income 54 37 46.1% 34 40 32 91 67 36.7% 141 Operating income 474 432 9.6% 411 385 454 906 853 6.2% 1,649 General administrative expenses (241) (253) (4.7%) (204) (234) (244) (495) (487) 1.6% (925) Operating result 232 179 29.8% 207 151 209 411 366 12.4% 724 Other result 1 1 (48.3%) 9 (1) (2) 2 (9) – (1) Gov. measures and compulsory contrib. (12) (11) 3.7% (0) (12) (13) (23) (23) (0.6%) (35) Impairment losses on financial assets (35) (49) (27.9%) (66) (37) (63) (85) (133) (36.5%) (236) Profit/loss before tax 186 120 55.2% 150 102 132 305 200 52.3% 452 Profit/loss after tax 149 97 54.2% 119 81 105 246 159 54.9% 359 Return on equity before tax1 16.8% 10.5% 6.3 PP 13.8% 9.8% 12.8% 13.6% 9.7% 3.9 PP 10.4% Return on equity after tax1 13.5% 8.5% 5.0 PP 11.0% 7.8% 10.2% 11.0% 7.7% 3.3 PP 8.3% Net interest margin1 1.11% 1.12% (0.01 PP) 1.18% 1.12% 1.24% 1.12% 1.22% (0.11 PP) 1.18% Cost/income ratio 51.0% 58.6% (7.6 PP) 49.6% 60.8% 53.8% 54.6% 57.1% (2.5 PP) 56.1% Loan/deposit ratio 166.8% 176.3% (9.5 PP) 167.3% 166.2% 162.8% 166.8% 162.8% 4.0 PP 167.3% Provisioning ratio1 0.37% 0.54% (0.16 PP) 0.74% 0.41% 0.70% 0.45% 0.73% (0.28 PP) 0.66% NPE ratio 2.8% 2.8% 0.1 PP 2.9% 3.0% 2.9% 2.8% 2.9% (0.1 PP) 2.9% NPE coverage ratio 31.4% 29.5% 1.9 PP 25.9% 31.5% 32.1% 31.4% 32.1% (0.7 PP) 25.9% Total assets 66,646 66,326 0.5% 63,635 61,599 63,400 66,646 63,400 5.1% 63,635 RWA 23,304 23,664 (1.5%) 23,660 22,669 21,892 23,304 21,892 6.4% 23,660 Equity 4,581 4,611 (0.7%) 4,600 4,511 4,373 4,581 4,373 4.8% 4,600 Loans to customers 38,355 38,032 0.8% 35,954 35,324 36,427 38,355 36,427 5.3% 35,954 - Hereof non-financial corporations %2 50.2% 51.0% (0.9 PP) 52.7% 50.9% 50.0% 50.2% 50.0% 0.1 PP 52.7% - Hereof households %2 21.1% 21.0% 0.1 PP 22.2% 22.2% 21.4% 21.1% 21.4% (0.2 PP) 22.2% - Hereof FCY % 15.9% 15.2% 0.7 PP 12.7% 13.1% 13.6% 15.9% 13.6% 2.3 PP 12.7% Deposits from customers 25,305 24,813 2.0% 20,968 23,022 23,775 25,305 23,775 6.4% 20,968 Business outlets 19 19 0.0% 18 17 17 19 17 11.8% 18 Number of employees 3,888 3,861 0.7% 3,714 3,727 3,737 3,888 3,737 4.0% 3,714 Number of customers (in mn) 2.8 2.7 0.5% 2.7 2.6 2.6 2.8 2.6 6.6% 2.7 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 (May 2025) Sustainalytics: “Low risk”; Low risk experiencing material financial impacts from ESG factors. Ranked 39th out out 218 diversified banks globally (September 2025) MSCI ESG Rating: Level “A” (October 2024) RBI´s S&P ESG score is 53 out of 100, which is above the industry average of 35/100 (December 2025) 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 31 July 2026 65
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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 31 July 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% 66
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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 23 October 2026 Start of Quiet Period 3 November 2026 Third Quarter Report, Conference Call 27 January 2027 Start of Quiet Period 3 February 2027 Preliminary Results 2026, Conference Cal 1 March 2027 Annual Financial Report 2026 29 March 2027 Record Date Annual General Meeting 8 April 2027 Annual General Meeting 13 April 2027 Ex-Dividend Date 14 April 2027 Record Date Dividend 16 April 2027 Dividend Payment Date 23 April 2027 Start of Quiet Period 3 May 2027 First Quarter Report, Conference Call 23 July 2027 Start of Quiet Period 30 July 2027 Semi-Annual Report, Conference Call 22 October 2027 Start of Quiet Period 3 November 2027 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 31 July 2026 67