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Raiffeisen Bank International | Member of RBI Group Confidential and proprietary Any use of this material without specific permission of Raiffeisen Bank International is strictly prohibited. Raiffeisen Bank International Q3/2026 Results 3 November 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 3 November 2026 2
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 3 November 2026
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Business transformation Profitability Technological transformation 3 November 2026 RBI Ambition 2030 – Setting the Transformation in Motion Capital Markets Day on 10th February 2027 AI-native business Ready for growth Strong tech-enablers Operations efficiency and portfolio optimization Focus on resilience Systematic and scalable use of AI Diligent and secure implementation Untapped CEE potential Excess capital ready to be deployed Business Initiatives Retail Tap potential in SME and wealth management Focus on engagement and monetization CIB Become the leading Hausbank in CEE Prioritize profitable growth Cost discipline Capital allocation Self-help Strategy and financial targets for 2030 to be announced with Capital Markets Day
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3 November 2026 Accelerates profitable growth in Romania and delivers meaningful cost and revenue synergies 5 Expected to become third-largest1 in Romania - Universal bank serving retail, SME, and corporate clients in Romania Romania c. -60 bps CET1 impact expected at closing (for RBI excluding Russia) 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 bn 1 By total assets, based on H1/2025 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 Completed One-off integration cost c. EUR 70 mn, mainly in 2027 Closed 3 November Synergies visible from 2028 Integration2027 2028 Data migration and rebranding C. EUR 90 mn profit accretion in 2028, increasing to EUR 130 mn in 2030 Merger exp. H2/2027 Q4/2026
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3 November 2026 6 RBI to become the fourth-largest bank in Croatia and re-enter Slovenia Addiko Serbia to become part of RBI Group, and contribute to RBI’s top-3 market share in Serbia c. -30 bps impact: • subject to opening balance valuation Improbability of carve-out leads to full effect of badwill CET1 impact on RBI excluding Russia Addiko – Voluntary Public Tender Offer Voluntary Public Tender offer for all Addiko shares at EUR 26.50 per share 94.8% acceptance rate as of 2nd November Carve-out unlikely to proceed 2) – RBI expects to retain all of Addiko’s subsidiaries 94.8%VTO Acceptance rate as of 2nd November Regulatory approvals (banking supervisory and merger clearances) on track, settlement upon receipt of all required approvals 1) 1) Merger clearance remains outstanding. Regulatory proceedings in Serbia successfully completed, others remain pending. 2) Following the revocation of the banking license of Alta Banka. RBI to extend market leading position in Bosnia and Herzegovina RBI to enter Montenegro
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Rasperia update: Final verdict in Austrian court recognizes damages Application to FMA in coming days We will renew our efforts to sell Value extraction2 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 Russia De-Risking 3 November 2026 7 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 Q3/26 More equity (EUR 6.0 bn) than loans to customers (EUR 2.2 bn) excl. C-Accounts Loan/deposit ratio at 23% (30/09/2026) LCR at 498% (23/10/2026) Balance sheet has been transformed by the business reduction 29.5 20.2 14.6 9.5 10.3 10.1 13.7 9.0 6.0 3.3 2.6 2.2 in EUR bn (excl. C-Accounts) Run-down remains our base-case going forward in Russia1 Focus on sale3
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3 November 2026 10.2% 12.4% transitional, incl. results EUR 1,127 mn 15.4%EUR 109,114 mn 1-9/2026 Consolidated Profit 1-9/2026 Loans to customers 30/09/2026 CET1 ratio 1-9/2026 Consolidated RoE assuming P/B Zero deconsolidation (see p. 20) excluding Russia +8%+ ytd +10%+ y-o-y excluding Russia and Poland (provisions and legal cost for FX loans)adjusted 1-9/2026 Executive Summary – Core Group
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Raiffeisen Research - CEE Banking Sector Report 2026 3 November 2026 9 The CE and SEE region is set to remain one of Europe's more attractive growth pockets – demonstrating notable resilience Average CE and SEE real GDP growth 2026e and 2027e 7 - 8pp+ Positive RoE gap 2023-2026 ytd vs. euro area banking sector Entrenched lending growth, resilient asset quality Further financial convergence from wealth management Convergence & Growth in CEE GDP Lending RoE Potential 9 – 10%+ Loan growth 2026e and 2027e in nominal terms Structural higher profitability vs. euro area banking sector 20%< Average household market investments in CE and SEE (% of GDP) Source: Raiffeisen Research, CEE Banking Sector Report, October 2026 CE and SEE banks have shown notable resilience in recurring periods of uncertainty: asset quality intact 2.5%+ 2027e Broader convergence narrative intact
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Macro Outlook 3 November 2026 Source: RBI/Raiffeisen Research, October 2026 CEE growth should broaden in 2027 as external demand strengthens. Weaker investment, fiscal constraints, elevated energy prices and geopolitical uncertainty limit upside Euro area recovery should lift and rebalance regional growth in 2027. Albania and Kosovo outperform; Poland remains leader of growth in CE. Romania and Slovakia lag and face the greatest downside risks Resilient industry supports growth, backed by solid external demand and higher defense spending Consumption remains a core growth driver, supported by wage gains, tight labor markets and remittances (SEE) Investment support should ease in 2027 as the RRF ends. In Hungary, delayed EU funding and recovering private investment should support growth Fiscal constraints remain headwinds in Romania and Hungary. Hungary’s fiscal adjustment and Euro adoption path are challenging but supportive in the medium-term GDP (real, % yoy) 2024 2025 2026f 2027f Czech Republic 1.2 2.7 1.8 2.2 Hungary 0.7 0.7 1.7 2.4 Poland 3.2 3.8 3.4 3.0 Slovakia 1.9 0.8 0.8 1.5 Central Europe (CE) 2.2 2.8 2.7 2.6 Albania 4.0 3.7 3.6 3.8 Bosnia a. H. 3.2 2.4 2.3 2.5 Croatia 3.9 3.5 2.1 2.1 Kosovo 4.6 3.6 4.3 4.1 Romania 1.1 0.8 -0.5 1.5 Serbia 4.0 2.1 3.3 3.5 Southeastern Europe (SEE) 2.4 1.9 1.1 2.1 Ukraine 3.2 1.8 0.3 1.7 Russia 4.9 1.0 1.1 1.0 Austria -0.3 0.7 0.7 1.0 Euro area 1.2 1.2 0.8 1.4 10
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Inflation and Key Rates Forecast AT Inflation rate (CPI) (average, % y-o-y) 2026f Source: RBI/Raiffeisen Research, October 2026 2027f CZ SK HU RS Key rates forecast Current December 2026 December 2027 December 2028 (% eop) 22/10/2026 Forecast Forecast Forecast Czech Republic 3.75 4.00 4.00 3.75 Hungary 5.50 5.25 4.50 3.50 Romania 6.50 6.50 5.75 4.50 Serbia 5.75 5.75 5.75 5.25 Euro (deposit facility) 2.50 2.75 2.75 2.25 2.9% Euro area 3 November 2026 2.5% 3.2%2.0% 3.6% 2.7% 3.1% 2.6% 1.8% 3.0% 3.5% 4.3% RO 8.4% 5.5% Inflation Higher energy prices have lifted headline inflation. Pass- through remains limited so far, but some cost-push pressures is expected in the coming months, alongside rising food and goods inflation, keeping inflation elevated in 2027 Labor markets’ resilience continues to support the retail credit cycle, although tighter financial conditions and more restrictive macroprudential policies will moderate near-term momentum Banking sector view Final RRF disbursements will support investments and corporate credit growth through YE/2026, with positive effects carrying over into 2027 11 HR 4.4% 2.9%
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2026 Core Group Guidance (excl. Russia) 3 November 2026 Net interest income Net fee and commission income Loans to customers (excluding M&A) above EUR 4.5 bn around 9% OPEX around EUR 3.9 bn CIR around 55% up to 35 bps ‘P/B Zero’ Russia deconsolidation scenario around 14.5% Risk cost excluding potential use of overlays CET1 ratio around 13.0% 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 RBI Group excluding Russia / Belarus including Russia / Belarus Core Group Excl. Russia / Belarus Consolidated RoE Core Group (see p. 43 for breakdown) 11.0% 6.4% 10.9% 12.9% 7.5% 7.3% 10.6% ~13.0% 13.9% 15.4% 13.3% 13.4% ~16.0% 12 incl. Garanti and Addiko Assuming Addiko approvals and settlement in Q4 and with an assumed acceptance rate of 94.8% (one-off positive impact on RoE of c. 310 bps)
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 3 November 2026
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3 November 2026 EUR 3,347 mn EUR 1,624 mn 1-9/2026 Net Interest Income 1-9/2026 Net Fee and Commission Income 1-9/2026 Opex +10%+ y-o-y +7%+ y-o-y 1-9/2026 Cost/Income Ratio EUR 2,770 mn 53.0% +0 pp+ y-o-y +8%+ y-o-y 1-9/2026 Executive Summary – Core Group
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Q3/2026 Net Interest Income Trends 3 November 2026 Core Excluding Russia Net interest income in EUR mn Core Group NII up 4% q-o-q, record quarterly production so far 2.34% NIM (+7 bps up q-o-q) for the Core excluding Russia Strong quarter in Core Group 1,056 1,054 1,076 1,111 1,160 Q3/2026Q3/2025 Q4 Q1 Q2 +4% q-o-q Volumes Interest rate sensitivity Robust loan growth both Retail (mainly mortgages) and Corporate (mainly investment financing) Further expansion of bond portfolio Impact over 12 months, excl. Russia and assuming stable balance sheet Liability margins profiting from tailwind of higher short-term rates in EUR and CZK Total NII Rate LCY EUR + - - + EUR -96 mn -100 bps EUR -41 mn EUR -55 mn EUR +78 mn +100 bps EUR +34 mn EUR +45 mn 15 Margins and rates
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Q3/2026 Net Fee and Commission Income Trends 3 November 2026 Net fee and commission income in EUR mn NFCI in Q3 up 1% q-o-q excluding Russia Strong performance in clearing, settlement and payment services NFCI trends 16 Core Excluding Russia 505 529 520 549 556 Q3/2026Q3/2025 Q4 Q1 Q2 +1% 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 233 mn EUR 117 mn EUR 61 mn EUR 92 mn +8% +3% +16% +8% Q3/2026 y-o-y Q3/26Q3/25 177 192 +8% y-o-y Q3/26Q3/25 150 161 +8% y-o-y Q3/26Q3/25 152 169 +11% y-o-y
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98.5 101.2 104.7 107.0 109.1 Loans to Customers in Q3/2026 3 November 2026 Loans to customers in EUR bn 17 Core Excluding Russia 30/09/2630/09/25 31/12/25 31/03/26 30/06/26 +2% q-o-q +8% ytd Czechia Slovakia Hungary + EUR 471 mn + EUR 537 mn + EUR 281 mn Strong quarter for Corporate volumes, steady in Retail Continued growth in Retail mortgages and project finance Primarily growth in Corporate … non-financial corporations … households +3% q-o-q +1% q-o-q Q3/26Q1/26 Q2/26 Q3/26Q1/26 Q2/26 47.9 48.6 49.0 43.3 44.3 45.4 Romania + EUR 689 mn Serbia + EUR 174 mn Strong growth in Retail loans Mostly short-term business, and EUR 188 mn of Retail growth Loans to … in EUR bn Strong growth across the countries q-o-q Strong Q3 in new personal loan and mortgage production +2% +3% +5% +7% +5% GC&M - EUR 336 mn Lower volumes of short-term repo business-1%
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Deposits and Liquidity Across the Group 3 November 2026 23/10/2026 Q3/2026 Czechia 214% 67% 79% Slovakia 173% 67% 73% Hungary 162% 50% 73% Romania 223% 75% 81% Serbia 193% 69% 67% 138% 133% 135% 135% 137%138% 133% 149% 148% 147% LCR NSFR Loan/deposit ratio … of which insured LCR % of retail deposits Liquidity ratios 18 +2% q-o-q Deposits increase q-o-q largely driven by short-term deposits in Slovakia and Romania; as well as Corporate deposits in Hungary Loan/deposit ratio of 89% excluding Russia Deposits from Households Head office LCR at 170% (as of 23 October 2026) 60.5 62.3 63.2 65.1 65.3 115.1 117.3 122.9 125.4 127.7 89%90%87%88% Core Excluding Russia Q3/’26Q4/’25 Q2/’26 23/10/2026Q1/’26+0% q-o-q 30/09/2630/09/25 31/12/25 31/03/26 30/06/26 Deposits from customers in EUR bn Core Excluding Russia
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CET1 Ratio Development – Core Group excl. Russia 3 November 2026 15.5% 15.4% Assuming P/B zero deconsolidation scenario in Russia + 30/09/2026 P/B Zero Russia deconsolidation q-o-q -9 bps - 19 30/06/2026 P/B Zero Russia deconsolidation - +49 bps Profit Portfolio development (credit risk) -27 bps Market risk -5 bps FX -3 bps Dividend / AT1 coupons accrual -25 bps Inorganic & Other +2 bps + - - -
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P/B Zero Deconsolidation Scenario in Russia 3 November 2026 CET 1 Expected around 14.5% at year-end 2026 30/09/2026 P/B Zero Russia deconsolidation 15.4% With Russia deconsolidated at P/B Zero, AT1 and T2 buckets are adequately supplied Capital stack under P/B Zero deconsolidation scenario Assumptions: Deconsolidated CET1 EUR 5.7 bn Deconsolidated RWA EUR 19.0 bn IFRS equity partially offset by deduction items Net consolidated Russia RWAs and other effects Capital stack CET 1 AT 1 T2 15.4% 2.13% 2.89% 2.02% 2.70% 12.10% RBI excl. Russia Current MDA threshold 30/09/2026 P/B Zero Russia deconsolidation MDA buffer at 327 bps Deconsolidation1 of Russia would lead to EUR 4.1 bn lower operational RWAs, equal to a 77 bps uplift 20 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 3 November 2026 21 CET 1 31/12/2026e P/B Zero Russia deconsolidation CET 1 30/09/2026 P/B Zero Russia deconsolidation Core Group CET1 ratio expected around 14.5 per cent at year-end 2026, in line with the mid-term target Expected CET1 drivers until year-end 2026: Profit ~38 bps + around 14.5% 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 ~18 bps -Portfolio development ~20 bps -Dividends & AT1 coupon ~90 bps -Announced M&A B/S optimization ~21 bps + Operational & market risk, inorganic, FX, and other 15.4% ~7 bps -
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Capital Ratios and SREP 18.0% 19.7% 22.1% 4.50% 1.56% 6.00% 12.07% 2.02% 14.09% 2.70% CBR P2R Pillar 1 AT 1 (incl. P2R) Tier 2 (incl. P2R) 12.07% 16.78% 14.09% CET 1 Tier 1 Total capital RBI Group, regulatory, as of 30/06/2026 Requirements as of 01/11/2026 3 November 2026 12.69% MDA trigger 528 bps MDA buffer EUR 7,285 mn Available distributable items q-o-q -4 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 Nov. 2026 OSII buffer 1.75% Countercyclical capital buffer 0.73% Capital conservation buffer 2.50% Systemic risk buffer 1.02% CBR at 600 bps since November 2026 22 In September, FMSB proposed to the FMA to reduce the systemic risk buffer by 50 bps by January 2028
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MREL and Funding Plan Total MREL requirement (30/09/2026) 12.03% Senior preferred TREA in AT at EUR 36,711mn RBI Group: EUR 750m T2 benchmark was successfully issued in August 2026 for refinancing Funding plan Austria resolution group MREL Subordinated MREL requirement 3 November 2026 Other resolution groups 30/09/2026 30/09/2026 2027 Czech Republic 30.72% 26.55% ~500 - 600 Senior non- preferred Slovakia 29.16% 26.93% ~300 - 500 Senior preferred Hungary 33.82% 31.13% ~300 - 400 Senior preferred Croatia 33.32% 30.38% ~0 -100 Senior preferred Romania 46.03% 32.04% ~400 - 600 Senior preferred & non-preferred Requirements Actual Ranking MREL needs 38.66% 26.71% 23 Total MREL 47.31% 35.28% T2 AT1 CET1 & other subordinated Actual including profit 30/09/2026 Requirements 30/09/2026 MREL requirements incl. current CBR
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Poland FX Mortgage Update 3 November 2026 Additional ~1,000 settlements in Q3/2026 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, 30/09/2026 Provisions towards year-end 2026 Settlements 37.0 9.6 13.4 7.0 7.0 18.1 9.6 8.2 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 968 mn EUR 327 mnExposure EUR 1,463 mn Exposure EUR 256 mn Stock of provisions for litigation: Poland FX mortgage exposure and stock of provisions 24 EUR 198 mn EUR ~220 mn 1-9/2026 1-12/2026e Provisions Expected 2026 Provisions from new cases New CHF cases are declining and EUR cases on elevated levels Annulments and settlements 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 3 November 2026
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77 100 89 92 346 270 324 239 342 97 765 467 413 331 FY/2023 FY/2024 FY/2025 Q3/26 Russia (released) GC&M, CE, SEE Ukraine Stock of risk overlays 30/09/2026 Risk Overview 3 November 2026 26 19 bps +5 bps 1.5% -23 bps 48.6% +4 ppytd EUR 159 mn y-o-y RBI Group 1-9/202619 bps Provisioning ratio Risk cost1 EUR 162 mn 1.5% 50.8% Risk cost excluding Russia, 1-9/2026 NPE ratio/ coverage ratio excluding Russia, 30/09/2026 2026 Guidance Q3/2026 Up to 35 bps risk cost guidance for RBI Group excluding Russia for FY/2026 Outlook remains uncertain due to geopolitical tensions, prolonged Middle East conflict, energy-sector pressures and inflation Geopolitical developments warrant close monitoring; no material additional credit-risk impact identified Risk profile remains resilient alongside continued portfolio growth 1 Including impairments on debt securities
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IFRS 9 Provisioning 3 November 2026 27 EUR 51 mnEUR 34 mn EUR -44 mn EUR -8 mn EUR 69 mn Stage 1 & 2 Macro Overlays* Stage 3 RBI Group – Q3/2026 Total 18 bps Overall EUR 49 mn of IFRS 9 provisions in Q3 Stage 1/2: driven by retail, mostly model parameter update Macro: release reflecting improved outlook in Hungary Overlay movements: stable development Stage 3: driven by new defaults mainly in retail across the Group (Czechia, Slovakia, Romania) Core Group – Q3/2026 excluding Russia (+) additional IFRS 9 provisions (-) release of IFRS 9 provisions YTD EUR mn Stage 1 & 2 Macro Overlays Stage 3 Total RBI Group 10 17 -61 195 162 Excl. Russia 13 19 -61 188 159 1 2 Stage 1 & 2 1 2 Macro 3 Stage 3 18 bps 1 2 Overlays* + EUR 37 mn EUR -44 mn - EUR 63 mn EUR 49 mn EUR -8 mn * Excluding macro driven in-model adjustments in Hungary - +
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Q3/2026 RWA Development 3 November 2026 Core Group excl. Russia No changes in Operational risk RWA 1.5 - 0.3 -0.1 FX Market risk RWA in EUR bn Credit risk 30/06/2026 30/09/2026 84.0 60.6 18.5 4.9 Credit risk Operational risk Market risk 62.0 18.5 5.2 85.7 Op risk Market risk RWA increase was driven by increased volatilities 28 Credit RWAs increase largely driven by organic growth in Corporate (incl. project finance) of EUR +1.0 bn and Retail of EUR +0.5 bn
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NPE Ratio and NPE Coverage 3 November 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 29 CE – stable development SEE – slight increase of loan exposure Ukraine – NPE coverage ratio increase due to NPE outflows GC&M – driven by reduced NPE stock RBI Core Group excl. Russia – development mainly driven by GC&M and Ukraine 73% NPE coverage ratio incl. Stage 1 and 2 1.7% 1.6% 1.6% 1.5% 44.2% 46.4% 46.9% 48.6% 1.0%0.0% 100.0% 2.9% 2.8% 2.8% 2.6% 25.9% 29.5% 31.4% 31.6% 1.0%0.0% 50.0% 1.6% 1.6% 1.6% 1.5% 65.4% 66.7% 65.1% 66.1% 1.0%0.0% 100.0% 1.0% 1.0% 1.0% 0.9% 58.5% 58.2% 58.2% 58.7% 0.5%0.0% 100.0% Q3/2026 Central Europe CE Southeastern Europe SEE Group Corporates & Markets GC&M RBI Core Group (excl. Russia) NPE coverage ratio NPE ratio 3.1% 3.1% 2.7% 2.6% 82.3% 83.1% 83.9% 89.6% 0.0%0.0% Ukraine Ukraine -0.3% q-o-q EUR 747 mn +0% q-o-q EUR 611 mn -5.8% q-o-q EUR 128 mn -11.1% q-o-q EUR 1,415 mn -6.1% q-o-q EUR 2,902 mn Q3/2026Q4/2025 Q1/2026 Q2/2026 NPE Stock
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01 Executive Summary 02 Financials 03 Risk Update 04 Appendix 3 November 2026
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Geographic Footprint 3 November 2026 31 Note: Ranking based on the latest data available on loans to customers. Central Europe (CE) Russia Leading regional player with CEE presence of 40 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 2.0 bn ▪ Business outlets: 256 Russia, #23 ▪ Loans: EUR 4.5 bn ▪ Business outlets: 62 Southeastern Europe (SEE) Ukraine Austria, #2 ▪ Loans: EUR 39.0bn Czech Republic, #5 ▪ Loans: EUR 21.4 bn ▪ Business outlets: 125 Hungary, #6 ▪ Loans: EUR 6.5 bn ▪ Business outlets: 68 Slovakia, #3 ▪ Loans: EUR 17.6 bn ▪ Business outlets: 138 Croatia, #6 ▪ Loans: EUR 4.1 bn ▪ Business outlets: 66 Kosovo, #1 ▪ Loans: EUR 1.4 bn ▪ Business outlets: 36 Bosnia & Herzeg., #2 ▪ Loans: EUR 1.8 bn ▪ Business outlets: 85 Albania, #2 ▪ Loans: EUR 1.7 bn ▪ Business outlets: 74 Romania, #5 ▪ Loans: EUR 11.0 bn ▪ Business outlets: 267 Serbia, #6 ▪ Loans: EUR 3.9 bn ▪ Business outlets: 105
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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 255 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 Scheme (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% 255 Raiffeisen Banks (~1,500 outlets) Southeastern Europe Russia Group Corporates & Markets Corporate Center 3 November 2026 Ukraine 32
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Q3/2026 Income Statement and KPIs 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income 2.86% Net interest margin Q3/2026 q-o-q +3 bps Cost/income ratio Q3/2026 49.4% q-o-q +3.2 pp % y-o-y % q-o-q Q3/2026(in EUR mn) Net interest income 1,541 +2% +6% Net fee and commission income 718 -1% +6% Operating income 2,309 +0% +2% Staff expenses -602 -3% +5% Operating result 1,154 -6% -8% Other result -371 +412% >500% Consolidated profit 382 -51% -51% Other operating components1 75 -8% +3% Net trading income & fair value result -26 +31% - Other administrative expenses -422 +30% +37% Depreciation -131 -1% +6% General administrative expenses -1,155 +7% +15% Impairment losses on financial assets -51 >500% +16% Gov. measures & compulsory contributions -6%-51 +0% … … … … 3 November 2026 Consolidated return on equity Q3/2026 12.4% q-o-q -3.2 pp 33
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Q3/2026 Income Statement and KPIs Adjusted excluding Russia 2.34% Net interest margin Q3/2026 q-o-q +7 bps Q3/2026 54.4% q-o-q +3.4 pp % y-o-y % q-o-q Q3/2026(in EUR mn) Net interest income 1,160 +4% +10% Net fee and commission income 556 +1% +10% Operating income 1,778 +3% +10% Staff expenses -471 -2% +6% Operating result 798 -4% +2% Other result -64 -12% -3% Consolidated profit 419 -16% -9% Other operating components1 79 -8% +7% Net trading income & fair value result -16 -16% +32% Other administrative expenses -398 +33% +39% Depreciation -111 -1% +2% General administrative expenses -980 +10% +17% Impairment losses on financial assets -49 >500% +295% Gov. measures & compulsory contributions -7%-46 +0% … … … … 3 November 2026 11.7% q-o-q -2.2 pp Consolidated return on equity Q3/2026 1 Incl. dividend income, current income from investments in associates, net gains/losses from hedge accounting, other net operating income Cost/income ratio 34
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Liabilities (EUR 226.2 bn +1% q-o-q) (30/09/2026, in EUR bn, % q-o-q) Deposits from customers 137.8 +1% Debt issued and other liab. 40.6 +1% Deposits from banks 24.2 +2% Equity 23.6 -0% Assets (EUR 226.2 bn +1% q-o-q) (30/09/2026, in EUR bn, % q-o-q) Loans to customers 113.6 +2% Securities 50.4 +2% Loans to banks 19.5 -11% Cash and other assets 42.7 +5% Balance sheet RBI Group RBI Group including Russia 3 November 2026 35 Net interest income in EUR mn Net fee and commission income in EUR mn 679 699 693 729 718 -1% q-o-q 1,459 1,443 1,459 1,508 1,541 Q3/2026Q3/2025 Q4 Q1 Q2 +2% q-o-q Loans to customers in EUR bn 103.0 105.6 109.1 111.6 113.6 30/09/2630/09/25 31/12/25 31/03/26 30/06/26 +2% q-o-q +10% y-o-y Deposits from customers in EUR bn +1% q-o-q 125.3 127.6 133.1 136.3 137.8 +10% y-o-y Q3/2026Q3/2025 Q4 Q1 Q2 30/09/2630/09/25 31/12/25 31/03/26 30/06/26
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Total Exposure 3 November 2026 36 Total exposure by segments – Q3/2026 in EUR bn, % q-o-q … by sector – Q3/2026 in EUR bn -5.2%+2.8% 96.1 50.4 29.1 16.4 0.3 51.8 23.4 9.5 8.9 3.7 4.0 2.2 6.1 17.2 CZ SK HU PL RO HR RS BH AL KO UA RU GC&M +2.6% SEE +2.7% Ukraine 105.3 EUR 277 bn +2.0% q-o-q Russia CE +2.1% CRE – Sectors (GICs) EUR 16 bn CRE - Country of risk Czechia 27% Austria 19% Slovakia 17% Germany 12% Romania 8% Hungary 7% Croatia 2% Other 8% Residential 31% Office 19% Retail 13% Industrial 9% Diversified 10% Hotels & Resorts 5% Real Estate Development 3% Operating 4% Other 5% 17 8 2 14 15 15 9 30 28 80 26 33 Other Utilities Energy Consumer cyclical Real estate Consumer non-cyclical Materials Industrials Financial institutions Sovereigns & supranationals Consumer & Other Loans Mortgages Retail Corporate Sov. & FI 38% 21% 41%
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CET1 Ratio Development – RBI Group 3 November 2026 37 18.3% 18.0% Transitional (including 1-9/2026 results) 30/09/2026 30/06/2026 q-o-q -28 bps - + - +37 bps Profit Portfolio development (credit risk) -22 bps Market risk +8 bps FX -28 bps Dividend / AT1 coupons accrual -21 bps Inorganic & Other -2 bps - + - -
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Q3/2026 RWA Development – RBI Group 3 November 2026 RBI Group including Russia 38 104.9 1.3 0.0 -0.5 -0.9 104.8 30/06/2026 30/09/2026 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 Q3/2026 Segments Overview 4,415 4,418 4,642 4,512 8.93% 8.57% 8.60% 8.43% 1.00% - 10,000 42,222 43,228 44,362 45,629 2.33% 2.30% 2.32% 2.38% -4.00% 1.00% 6.00% 20,000 40,000 Q3/26 -3% -10% 5 bps q-o-q +5% -4% Q3/26Q1/26Q4/25 Q3/26 20 bps q-o-qQ3/26 192 469NII Net Fees 661 q-o-q 543 162 381 21,695 22,233 22,904 23,894 3.76% 3.56% 3.54% 3.56% 0.00% 5.00% 10.00% 11,000 21,000 169 202 36 bps +31 bps EUR 242 mn +8% +6%161 363 +3% EUR 231 mn EUR -37 mn EUR 159 mn +36 bps +75 bps -30 bps +1% +7% (in EUR mn) Q2/26 35,954 38,032 38,355 38,019 1.18% 1.12% 1.11% 1.25% -2.00% 3.00% 25,000 30,000 35,000 40,000 7 bps +1% +13% 3 November 2026 524 372 CE SEE Russia Ukraine GC&M 18 106 EUR 33 mn +19 bps - 1,697 1,716 1,856 2,004 8.67% 8.64% 8.67% 8.83% 0.00% 10.00% 20.00% 1 1,001 2,001 57 bps +17% +5% 124 39 -26%
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Raiffeisen Capital Management 3 November 2026 40 Q3/23 Q3/24 Q3/25 Q3/26 52 66 72 89 90 95 93 105 142 161 165 194 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 61% Institutional 39% 41% ESG 2026 achievements in Raiffeisen Group Asset 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 Digitization of DPM business across AT and CEE including Customer Centric App Experience First Closing of Raiffeisen Capital Private Infrastructure I for Institutional Investors Raiffeisen European Resilience and Security Equity Funds and Raiffeisen Euro Reserve Funds launched and successful issuances of Target Maturity Funds “Raiffeisen Laufzeitfonds” Passive Products Expansion via “Systematic Core Funds” Family Central and Eastern Europe Equities and Emerging Markets Equities in focus for Instis One of the leading asset managers in Central Europe, a 100% owned subsidiary of RBI surpassing EUR 73bn in its Group asset management function for Raiffeisen Bank Intl The distribution spans over 20 markets and on top, RCM serves as the Centre of Competence for RBI Group (Local) Asset Management in 7 markets contributing to RBI Group’ regional footprint Over 2mln of funds and pension saving plans in group asset management being distributed together year-to-date via the Raiffeisen Banking Group Austria and RBI’s network in CEE 332 employees with passion, thereof 68 investment professionals and 60 sales representatives, on Group Asset Management level 550 employees, including 117 investment professionals 30 40 43 54 33 28 23 32 63 68 67 86 EUR 75 bn
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Corporate Center/Reconciliation 3 November 2026 41 Following items are reported in Reconciliation: ▪ Reconciliation comprises consolidation adjustments to reconcile segments with Group results ▪ The financials of the reportable segments are shown after intra-segment items have been eliminated. However, the inter-segment items are consolidated and eliminated in the Reconciliation ▪ The main consolidation bookings carried out between segments are dividend payments to the head office, inter-segment revenues charged, and expenses carried by the head office ▪ All other consolidation bookings that reconcile the totals of reported segments’ profit or loss with the RBI Group financials are also eliminated in the Reconciliation ▪ Offsetting of intra-Group charges resulting in a reduction of operating income and general admin. expenses in the Reconciliation Following business areas are managed and reported in Corporate Center: ▪ The expenses related to the shared Group-wide service and control function of the head office in the areas: risk management, finance, legal, funding, capital and asset liability management (ALM), information technology, human resources ▪ The results from equity participation management related to dividends received and funding of network units ▪ The results from head office treasury that are not allocated to regional or functional segments from ALM as well as liquidity and liability management ▪ The result of business with special customers In EUR mn 1-9/2026 1-9/2025 y-o-y Operating income 1,348 1,362 (1.0%) General admin. expenses (455) (347) 31.1% Operating result 893 1,014 (12.0%) Other result (31) (13) 143.7% Governmental measures and compulsory contributions (17) (23) (25.9%) Impairment losses on financial assets 14 47 (71.3%) Profit/loss before tax 858 1,026 (16.3%) Profit/loss after tax 926 1,064 (13.0%) In EUR mn Q3/2026 Q2/2026 q-o-q Operating income 112 595 (81.2%) General admin. expenses (211) (125) 69.5% Operating result (99) 470 – Other result (14) (2) >500,0% Governmental measures and compulsory contributions (6) (4) 49.9% Impairment losses on financial assets (12) (2) >500,0% Profit/loss before tax (131) 462 – Profit/loss after tax (99) 477 – In EUR mn 1-9/2026 1-9/2025 y-o-y Operating income (1,443) (1,473) (2.0%) General admin. expenses 159 150 6.0% Operating result (1,285) (1,324) (2.9%) Other result 11 28 (59.2%) Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (2) (9) -80.8% Profit/loss before tax (1,275) (1,304) (2.2%) Profit/loss after tax (1,271) (1,302) (2.3%) In EUR mn Q3/2026 Q2/2026 q-o-q Operating income (139) (628) (77.8%) General admin. expenses 55 56 (2.9%) Operating result (85) (572) (85.2%) Other result 6 (0) – Governmental measures and compulsory contributions 0 0 – Impairment losses on financial assets (1) (0) 225.2% Profit/loss before tax (80) (572) (86.0%) Profit/loss after tax (83) (559) (85.1%)
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Equity Overview 3 November 2026 42 Earnings per share up EUR 2.14 (1-9/2026: EUR 4.71 vs. 1-9/2025: EUR 2.56) 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 61.89 at 30/9/2026 (EUR 59.14 at 31/12/2025 resp. EUR 57.25 at 30/9/2025) Total comprehensive income of EUR 1,658 mn (1-9/2025: EUR 2,132 mn) impacted by profit after tax (EUR 1,815 mn), exchange differences (minus EUR 160 mn, driven by RUB), fair value changes of financial assets (EUR 14 mn, driven by Ukraine), net investment hedge (EUR 7mn, driven by RON), cash-flow hedge (minus EUR 9 mn, driven by Serbia), companies values at equity (minus EUR 3 mn, driven by UNIQA) and from deferred taxes (minus EUR 8 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) 149 149 AT1 capital dividend 0 0 (63) 0 (63) 0 63 0 Dividend payments 0 0 (525) 0 (525) (107) (63) (695) Own shares 1 4 0 0 5 0 (19) (15) Other changes 0 0 (3) (0) (3) 0 7 4 Total comprehensive income 0 0 1,638 (148) 1,491 168 0 1,658 Equity as at 30/9/2026 1,002 4,990 18,174 (3,809) 20,356 1,447 1,762 23,565
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Consolidated RoE Calculation excl. Russia – Overview 3 November 2026 Average equity excl. Russia FY/2024 1-12/2025 FY/2026 (guidance, p. 12) 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% 13.3% 13.4% 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 The AT1 coupons are deducted from the reported consolidated profit 43 EUR -123 mn (guidance) around 13.0% EUR ~13.4 bn (assumed) EUR ~220 mn (guidance) EUR ~50 mn (guidance) around 16.0%
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Regulatory Capital Structure - Overview 3 November 2026 44 in EUR mn 30/9/2026 30/6/2026 31/3/2026 Common equity tier 1 (before deductions) 19,674 20,099 19,061 Deduction items (1,377) (933) (1,052) Common equity tier 1 (after deductions) 18,297 19,165 18,008 Additional tier 1 (after deductions) 1,836 1,834 1,832 Tier 1 (after deductions) 20,133 21,000 19,840 Tier 2 (after deductions) 2,449 2,177 2,170 Total capital 22,582 23,177 22,011 Risk-weighted assets (total RWA) 104,781 104,942 103,899 Common equity tier 1 ratio (transitional - incl. result) 18.0% 18.3% 17.7% Tier 1 ratio (transitional - incl. result) 19.7% 20.0% 19.5% Total capital ratio (transitional - incl. result) 22.1% 22.1% 21.6% Leverage ratio (transitional) 8.4% 8.8% 8.5% Leverage exposure (total) 240,931 239,911 233,218
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Maturity Profile 3 November 2026 45 142 936 601 500 605 750 156 300 339 31 2027 2028 2029 2030 2031 2032 2033 2034 2035 0 2036 10 >2036 142 1,830 2,170 2026 2,308 1,379 2,173 1,764 936 615 0 2,560 1,799 2,014 1,179 2,008 1,040 1,572 1,264 1,800 1,179 10 Senior placements Subordinated Additional Tier 1 Other Maturity Profile at 30/9/2026 (in EUR mn)
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AT1 and Subordinated Instruments 3 November 2026 46 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 0% XS2189786226 2.875% 5Y EUR ms + 3.15% EUR 101 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 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% XS3480675597 4.500% 5Y EUR ms + 1.40% EUR 750 mn 27 Aug 2026 31 Mar 2032 NA 31 Mar 2037 ▪ 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 100 mn 1 Transitional and post-transitional CRR rules
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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 3 November 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 Q3/2026 was EUR 1,151 mn. RBI’s share of the IPS fund amounts to EUR 545 mn 47
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Bank Levies 3 November 2026 Note: Special taxes for banks (“windfall taxes”) are partially booked as part of income taxes. 48 FY 2025 1-9/2026 FY 2026e Austria Bank levy based on total assets (excluding derivatives), additional bank tax since 2025 78 52 77 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. 55 121 122 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 42 55 Total Bank levies 178 217 256 Albania 2 2 2 Czechia 2 3 3 Hungary 2 2 2 Romania 4 0 0 Serbia 0 4 5 Total Resolution fund 10 11 12 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 3 November 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 30/9/2026 30/9/2026 31/12/2025 30/9/2026 31/12/2025 30/9/2026 31/12/2025 30/9/2026 31/12/2025 Czechia 298 0.7% 0.8% 53.6% 53.1% 0.9% 1.0% 53.6% 53.1% Hungary 89 0.7% 0.8% 44.8% 44.9% 0.9% 1.1% 43.9% 43.4% Poland 55 6.3% 5.3% 93.7% 88.9% 6.3% 5.3% 93.7% 88.9% Slovakia 304 1.3% 1.2% 61.4% 58.5% 1.6% 1.5% 61.4% 58.5% Central Europe 747 0.9% 1.0% 58.7% 58.5% 1.2% 1.3% 58.8% 58.5% Albania 68 1.8% 2.2% 77.9% 73.2% 2.9% 3.6% 77.9% 73.2% Bosnia & Herzegovina 49 1.5% 2.0% 74.2% 76.1% 1.7% 2.3% 74.2% 76.1% Croatia 136 1.7% 1.6% 65.5% 59.7% 2.3% 2.2% 65.5% 59.7% Kosovo 45 2.9% 3.2% 75.1% 76.2% 2.9% 3.2% 75.1% 76.2% Romania 255 1.4% 1.5% 61.2% 61.5% 1.8% 2.0% 61.2% 61.5% Serbia 58 1.0% 1.2% 61.3% 64.7% 1.0% 1.2% 61.3% 64.7% Southeastern Europe 611 1.5% 1.6% 66.1% 65.4% 1.9% 2.1% 66.1% 65.4% Russia 213 1.2% 1.2% 81.7% 78.8% 1.2% 1.3% 81.7% 78.8% Ukraine 128 2.6% 3.1% 89.6% 82.3% 3.7% 4.4% 89.6% 82.3% GC&M 1,415 2.6% 2.9% 31.6% 25.9% 2.7% 3.0% 31.6% 25.9% Total RBI Group 3,114 1.5% 1.7% 50.8% 46.5% 1.9% 2.2% 50.8% 46.5%
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RBI Group 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 1,541 1,508 2.2% 1,459 1,443 1,459 4,508 4,431 1.7% 5,874 Net fee and commission income 718 729 (1.4%) 693 699 679 2,140 2,032 5.3% 2,731 Net trading income and fair value result (26) (20) 31.0% 5 40 44 (40) 213 – 253 Other net operating income 45 47 (4.0%) 33 47 51 125 104 20.0% 151 Operating income 2,309 2,299 0.4% 2,215 2,255 2,254 6,823 6,842 (0.3%) 9,097 General administrative expenses (1,155) (1,077) 7.2% (1,075) (1,096) (1,005) (3,307) (3,038) 8.8% (4,134) Operating result 1,154 1,222 (5.6%) 1,140 1,160 1,249 3,516 3,803 (7.6%) 4,963 Other result (371) (73) 411.8% (102) (356) (62) (546) (1,562) (65.1%) (1,918) Gov. measures and compulsory contrib. (51) (55) (6.5%) (183) (54) (51) (289) (216) 33.9% (270) Impairment losses on financial assets (51) (1) >500,0% (110) 12 (44) (162) (153) 5.6% (141) Profit/loss before tax 680 1,093 (37.8%) 746 762 1,092 2,519 1,872 34.6% 2,634 Profit/loss after tax 444 852 (47.9%) 519 506 847 1,815 1,115 62.8% 1,621 Consolidated profit/loss 382 786 (51.4%) 470 445 778 1,638 926 76.8% 1,371 Return on equity before tax1 16.7% 19.4% (2.7 PP) 13.1% 19.3% 20.9% 15.5% 13.9% 1.6 PP 12.5% Return on equity after tax1 12.4% 15.1% (2.7 PP) 9.1% 14.4% 16.2% 11.3% 9.1% 2.2 PP 7.7% Consolidated return on equity 12.4% 15.5% (3.2 PP) 9.0% 14.7% 16.6% 11.2% 8.5% 2.7 PP 6.9% Net interest margin1 2.86% 2.83% 0.03 PP 2.81% 2.85% 2.93% 2.84% 2.99% (0.15 PP) 2.95% Cost/income ratio 49.4% 46.2% 3.2 PP 48.0% 48.0% 44.0% 47.9% 43.8% 4.0 PP 44.8% Loan/deposit ratio 84.0% 83.0% 1.0 PP 84.3% 82.0% 83.2% 84.0% 83.2% 0.7 PP 82.0% Provisioning ratio1 0.18% 0.02% 0.17 PP 0.37% 0.03% 0.13% 0.19% 0.18% 0.00 PP 0.14% NPE ratio 1.5% 1.6% (0.1 PP) 1.6% 1.7% 1.7% 1.5% 1.7% (0.3 PP) 1.7% NPE coverage ratio 50.8% 49.2% 1.6 PP 48.7% 46.5% 49.8% 50.8% 49.8% 1.0 PP 46.5% Total assets 226,166 223,762 1.1% 218,360 210,265 209,110 226,166 209,110 8.2% 210,265 RWA 104,781 104,942 (0.2%) 103,899 100,924 97,524 104,781 97,524 7.4% 100,924 Equity 23,565 23,586 (0.1%) 23,110 22,463 22,091 23,565 22,091 6.7% 22,463 Loans to customers 113,626 111,601 1.8% 109,120 105,610 103,027 113,626 103,027 10.3% 105,610 - Hereof non-financial corporations %2 43.8% 44.1% (0.3 PP) 44.5% 45.1% 44.7% 43.8% 44.7% (0.9 PP) 45.1% - Hereof households %2 41.3% 41.2% 0.1 PP 41.2% 41.8% 41.6% 41.3% 41.6% (0.3 PP) 41.8% - Hereof FCY % – – – – – – – – – – Deposits from customers 137,798 136,297 1.1% 133,084 127,575 125,284 137,798 125,284 10.0% 127,575 Business outlets 1,302 1,304 (0.2%) 1,305 1,322 1,352 1,302 1,352 (3.7%) 1,322 Number of employees 41,319 41,704 (0.9%) 42,154 42,425 42,581 41,319 42,581 (3.0%) 42,425 Number of customers (in mn) 18.9 18.8 0.7% 18.6 18.6 18.2 18.9 18.2 3.6% 18.6 In EUR mn
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RBI Core Group – excl. Russia 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 1,160 1,111 4.4% 1,076 1,054 1,056 3,347 3,129 6.9% 4,184 Net fee and commission income 556 549 1.3% 520 529 505 1,624 1,473 10.2% 2,002 Net trading income and fair value result (16) (20) (15.9%) 5 (18) (12) (31) 19 – 1 Other net operating income 49 51 (3.6%) 30 38 52 130 107 21.5% 146 Operating income 1,778 1,726 3.0% 1,656 1,630 1,622 5,160 4,790 7.7% 6,420 General administrative expenses (980) (894) 9.6% (896) (894) (837) (2,770) (2,562) 8.1% (3,456) Operating result 798 832 (4.1%) 760 736 785 2,390 2,228 7.2% 2,964 Other result (64) (72) (11.5%) (86) (13) (65) (222) (298) (25.6%) (310) Gov. measures and compulsory contrib. (46) (49) (6.5%) (177) (49) (46) (273) (199) 37.0% (248) Impairment losses on financial assets (49) (7) >500,0% (103) (72) (12) (159) (120) 32.1% (192) Profit/loss before tax 639 704 (9.1%) 393 603 661 1,736 1,611 7.8% 2,214 Profit/loss after tax 481 565 (14.9%) 258 478 528 1,304 1,215 7.3% 1,693 Consolidated profit/loss 419 499 (16.0%) 209 416 460 1,127 1,027 9.8% 1,443 Return on equity before tax1 15.7% 17.0% (1.3 PP) 9.3% 15.6% 17.3% 14.0% 13.9% 0.1 PP 14.3% Return on equity after tax1 11.8% 13.7% (1.8 PP) 6.1% 12.4% 13.9% 10.5% 10.5% 0.0 PP 11.0% Consolidated return on equity 11.7% 13.9% (2.2 PP) 5.2% 12.4% 14.0% 10.2% 10.0% 0.2 PP 10.6% Net interest margin1 2.34% 2.27% 0.07 PP 2.25% 2.26% 2.30% 2.29% 2.29% (0.00 PP) 2.28% Cost/income ratio 54.4% 51.0% 3.4 PP 53.4% 54.1% 50.9% 53.0% 52.8% 0.2 PP 53.1% Loan/deposit ratio 89.3% 88.8% 0.5 PP 89.7% 87.2% 88.5% 89.3% 88.5% 0.8 PP 87.2% Provisioning ratio1 0.18% 0.04% 0.14 PP 0.36% 0.37% 0.01% 0.19% 0.14% 0.05 PP 0.20% NPE ratio 1.5% 1.6% (0.1 PP) 1.6% 1.7% 1.7% 1.5% 1.7% (0.2 PP) 1.7% NPE coverage ratio 48.6% 46.9% 1.7 PP 46.4% 44.2% 47.7% 48.6% 44.2% 4.3 PP 44.2% Total assets 208,748 205,378 1.6% 201,472 193,191 192,826 208,748 192,826 8.3% 193,191 RWA3 85,743 84,020 2.1% 84,410 80,932 78,639 85,743 78,639 9.0% 80,932 Equity 17,544 17,094 2.6% 17,195 16,845 16,716 17,544 16,716 5.0% 16,845 Loans to customers 109,114 106,959 2.0% 104,702 101,195 98,481 109,114 98,481 10.8% 101,195 - Hereof non-financial corporations %2 44.9% 45.4% (0.5 PP) 45.7% 46.3% 45.6% 44.9% 45.6% (0.7 PP) 46.3% - Hereof households %2 41.6% 41.4% 0.2 PP 41.4% 41.8% 41.5% 41.6% 41.5% 0.2 PP 41.8% - Hereof FCY % – – – – – – – – – – Deposits from customers 127,688 125,401 1.8% 122,943 117,277 115,131 127,688 115,131 10.9% 117,277 Business outlets 1,240 1,241 (0.1%) 1,242 1,256 1,284 1,240 1,284 (3.4%) 1,256 Number of employees 33,683 33,595 0.3% 33,752 33,903 33,967 33,683 33,967 (0.8%) 33,903 Number of customers (in mn) 16.2 16.0 1.4% 15.8 15.7 15.3 16.2 15.3 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 3 November 2026 52 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 197 182 8.4% 179 167 175 558 505 10.5% 671 Net fee and commission income 60 59 1.3% 55 62 58 173 157 10.2% 219 Net trading income and fair value result (1) 4 – (2) 5 3 1 15 (96.7%) 20 Other net operating income 4 8 (48.4%) 6 1 7 18 16 15.3% 16 Operating income 262 251 4.3% 244 238 242 757 690 9.7% 929 General administrative expenses (113) (108) 4.8% (106) (106) (107) (327) (310) 5.5% (416) Operating result 149 143 4.0% 138 132 134 430 380 13.2% 512 Other result (0) 0 – (0) 0 0 0 1 (94.5%) 1 Gov. measures and compulsory contrib. (0) 1 – (11) (0) (0) (11) (9) 20.0% (9) Impairment losses on financial assets (19) (9) 113.4% (13) (25) 3 (41) 7 – (19) Profit/loss before tax 130 135 (4.0%) 113 107 137 378 379 (0.3%) 486 Profit/loss after tax 111 116 (4.7%) 95 92 116 322 316 1.8% 409 Return on equity before tax1 21.1% 22.7% (1.6 PP) 18.1% 17.6% 23.5% 21.1% 22.3% (1.2 PP) 21.7% Return on equity after tax1 18.0% 19.5% (1.5 PP) 15.2% 15.3% 20.0% 17.9% 18.6% (0.7 PP) 18.2% Net interest margin1 1.94% 1.85% 0.10 PP 1.87% 1.80% 1.94% 1.90% 2.00% (0.10 PP) 1.95% Cost/income ratio 43.2% 43.0% 0.2 PP 43.4% 44.6% 44.4% 43.2% 44.9% (1.7 PP) 44.8% Loan/deposit ratio 71.3% 70.1% 1.1 PP 68.8% 67.1% 67.3% 71.3% 67.3% 4.0 PP 67.1% Provisioning ratio1 0.36% 0.18% 0.18 PP 0.27% 0.52% (0.05%) 0.27% (0.05%) 0.32 PP 0.10% NPE ratio 0.7% 0.7% (0.0 PP) 0.7% 0.8% 0.8% 0.7% 0.8% (0.0 PP) 0.8% NPE coverage ratio 53.6% 54.3% (0.7 PP) 53.7% 53.1% 51.2% 53.6% 51.2% 2.4 PP 53.1% Total assets 41,940 42,068 (0.3%) 39,966 36,472 38,095 41,940 38,095 10.1% 36,472 RWA 11,588 11,354 2.1% 11,483 11,116 10,947 11,588 10,947 5.9% 11,116 Equity 2,598 2,554 1.7% 2,422 2,572 2,486 2,598 2,486 4.5% 2,572 Loans to customers 21,424 20,953 2.2% 20,236 19,695 19,036 21,424 19,036 12.5% 19,695 - Hereof non-financial corporations %2 36.2% 36.0% 0.1 PP 36.0% 35.9% 35.7% 36.2% 35.7% 0.5 PP 35.9% - Hereof households %2 59.5% 59.9% (0.3 PP) 59.6% 59.9% 59.9% 59.5% 59.9% (0.4 PP) 59.9% - Hereof FCY % 22.0% 21.8% 0.2 PP 22.6% 21.8% 21.7% 22.0% 21.7% 0.3 PP 21.8% Deposits from customers 35,252 35,692 (1.2%) 34,166 30,669 32,332 35,252 32,332 9.0% 30,669 Business outlets 125 125 0.0% 125 126 127 125 127 (1.6%) 126 Number of employees 3,803 3,751 1.4% 3,700 3,807 3,773 3,803 3,773 0.8% 3,807 Number of customers (in mn) 2.6 2.5 1.8% 2.5 2.5 2.5 2.6 2.5 4.9% 2.5 In EUR mn
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Country Financials (CE) – Hungary 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 119 119 (0.3%) 109 108 102 346 312 11.1% 420 Net fee and commission income 79 82 (3.4%) 76 75 68 237 203 16.7% 278 Net trading income and fair value result 8 (19) – 2 (22) (2) (10) (9) 8.7% (30) Other net operating income 1 (0) – 1 (2) 1 2 2 (20.1%) 0 Operating income 207 181 14.4% 189 159 171 576 510 12.9% 670 General administrative expenses (100) (103) (3.0%) (93) (103) (87) (295) (256) 15.2% (358) Operating result 107 78 37.3% 96 57 84 281 254 10.5% 311 Other result (1) (1) 9.6% 0 (1) (1) (2) (3) (37.4%) (4) Gov. measures and compulsory contrib. (2) (5) (61.8%) (120) (1) (1) (126) (60) 112.1% (61) Impairment losses on financial assets 19 16 20.9% (15) (2) (1) 19 23 (18.4%) 21 Profit/loss before tax 123 88 39.9% (39) 52 80 172 216 (20.1%) 268 Profit/loss after tax 107 78 37.9% (45) 44 69 140 182 (23.0%) 226 Return on equity before tax1 47.1% 34.8% 12.3 PP – 19.5% 32.9% 21.2% 29.3% (8.1 PP) 27.6% Return on equity after tax1 41.0% 30.7% 10.2 PP – 16.4% 28.2% 17.3% 24.8% (7.5 PP) 23.3% Net interest margin1 3.38% 3.46% (0.07 PP) 3.38% 3.56% 3.37% 3.40% 3.53% (0.12 PP) 3.54% Cost/income ratio 40.3% 48.7% (8.3 PP) 41.6% 57.1% 42.6% 43.3% 42.0% 1.3 PP 45.5% Loan/deposit ratio 66.6% 66.0% 0.6 PP 62.8% 63.8% 64.0% 66.6% 64.0% 2.5 PP 63.8% Provisioning ratio1 (1.12%) (1.04%) (0.08 PP) 1.01% 0.14% 0.03% (0.43%) (0.63%) 0.21 PP (0.42%) NPE ratio 0.7% 0.7% (0.0 PP) 0.7% 0.8% 0.7% 0.7% 0.7% (0.1 PP) 0.8% NPE coverage ratio 44.8% 47.2% (2.4 PP) 44.0% 44.9% 47.2% 44.8% 47.2% (2.3 PP) 44.9% Total assets 14,326 13,980 2.5% 13,605 12,190 12,497 14,326 12,497 14.6% 12,190 RWA 5,775 5,579 3.5% 5,310 5,080 4,753 5,775 4,753 21.5% 5,080 Equity 1,176 1,102 6.7% 954 1,155 1,097 1,176 1,097 7.2% 1,155 Loans to customers 6,462 6,180 4.6% 5,597 5,393 5,175 6,462 5,175 24.9% 5,393 - Hereof non-financial corporations %2 55.6% 55.8% (0.2 PP) 57.5% 58.5% 58.7% 55.6% 58.7% (3.1 PP) 58.5% - Hereof households %2 35.5% 35.9% (0.5 PP) 33.8% 33.1% 32.5% 35.5% 32.5% 3.0 PP 33.1% - Hereof FCY % 40.9% 40.9% 0.1 PP 45.2% 44.8% 43.9% 40.9% 43.9% (3.0 PP) 44.8% Deposits from customers 10,098 9,746 3.6% 9,439 8,610 8,620 10,098 8,620 17.2% 8,610 Business outlets 68 68 0.0% 68 68 68 68 68 0.0% 68 Number of employees 3,062 3,053 0.3% 3,040 3,016 3,004 3,062 3,004 1.9% 3,016 Number of customers (in mn) 0.6 0.6 (0.0%) 0.6 0.5 0.5 0.6 0.5 5.1% 0.5 In EUR mn
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Country Financials (CE) – Poland 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 2 2 (16.9%) 3 3 5 7 16 (55.7%) 19 Net fee and commission income (0) (0) 373.5% 0 (0) 0 (0) 0 – 0 Net trading income and fair value result 0 1 (70.1%) (0) 0 (0) 1 0 261.7% 0 Other net operating income 4 6 (25.4%) 3 8 5 13 13 1.1% 22 Operating income 6 9 (30.5%) 6 11 10 21 30 (30.7%) 42 General administrative expenses (14) (15) (8.8%) (23) (32) (18) (51) (59) (13.5%) (92) Operating result (7) (6) 23.6% (17) (21) (9) (30) (29) 4.3% (50) Other result (51) (70) (26.3%) (77) (2) (66) (198) (293) (32.5%) (296) Gov. measures and compulsory contrib. (0) (1) (87.9%) (1) (1) (1) (2) (2) (37.4%) (3) Impairment losses on financial assets (1) 27 – 6 (0) 2 32 24 33.7% 24 Profit/loss before tax (60) (49) 21.9% (89) (24) (74) (198) (301) (34.3%) (325) Profit/loss after tax (60) (49) 21.9% (89) (24) (74) (198) (301) (34.3%) (325) Return on equity before tax1 – – – – – – – – – – Return on equity after tax1 – – – – – – – – – – Net interest margin1 0.85% 0.67% 0.18 PP 0.66% 0.74% 1.19% 0.71% 1.27% (0.56 PP) 1.14% Cost/income ratio – – – – – – – – – – Loan/deposit ratio – – – – – – – – – – Provisioning ratio1 1.82% (19.92%) 21.74 PP (2.42%) 0.06% (0.94%) (7.71%) (3.34%) (4.37 PP) (2.51%) NPE ratio 6.3% 5.1% 1.1 PP 4.4% 5.3% 5.4% 6.3% 5.4% 0.9 PP 5.3% NPE coverage ratio 93.7% 92.4% 1.3 PP 89.9% 88.9% 88.4% 93.7% 88.4% 5.3 PP 88.9% Total assets 865 1,064 (18.6%) 1,810 1,601 1,667 865 1,667 (48.1%) 1,601 RWA 1,521 1,576 (3.5%) 2,103 2,040 2,166 1,521 2,166 (29.8%) 2,040 Equity – – – – – – – – – – Loans to customers 183 206 (11.0%) 895 929 915 183 915 (80.0%) 929 - Hereof non-financial corporations %2 3.3% 2.4% 0.9 PP 0.5% 0.5% 0.5% 3.3% 0.5% 2.8 PP 0.5% - Hereof households %2 96.7% 97.6% (0.9 PP) 99.5% 99.5% 99.5% 96.7% 99.5% (2.8 PP) 99.5% - Hereof FCY % 91.7% 91.8% (0.1 PP) 97.7% 97.7% 97.7% 91.7% 97.7% (6.0 PP) 97.7% Deposits from customers 12 13 (4.4%) 14 12 12 12 12 (1.1%) 12 Business outlets 1 1 0.0% 1 1 1 1 1 0.0% 1 Number of employees 332 326 1.8% 327 330 330 332 330 0.6% 330 Number of customers (in mn) 0.0 0.0 (6.5%) 0.0 0.0 0.0 0.0 0.0 (20.7%) 0.0 In EUR mn
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Country Financials (CE) – Slovakia 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 152 145 4.8% 144 141 138 440 398 10.6% 539 Net fee and commission income 53 57 (5.9%) 54 54 51 164 152 8.2% 206 Net trading income and fair value result 3 3 (14.0%) 4 3 2 10 10 4.3% 13 Other net operating income 2 2 19.8% 2 2 11 5 15 (64.5%) 17 Operating income 209 206 1.8% 207 201 202 623 574 8.4% 775 General administrative expenses (88) (88) (0.9%) (89) (87) (81) (265) (248) 7.1% (335) Operating result 122 117 3.8% 118 114 120 357 327 9.3% 440 Other result 0 0 (18.4%) (0) (14) 0 0 0 187.2% (14) Gov. measures and compulsory contrib. 0 0 – (2) 0 0 (2) (1) 61.0% (1) Impairment losses on financial assets (2) (5) (53.3%) (27) (8) (14) (34) (26) 30.6% (34) Profit/loss before tax 120 112 6.3% 89 92 106 321 299 7.3% 391 Profit/loss after tax 84 79 5.8% 55 58 75 218 205 6.4% 263 Return on equity before tax1 29.1% 28.5% 0.5 PP 20.9% 22.0% 26.6% 26.6% 25.2% 1.4 PP 25.0% Return on equity after tax1 20.3% 20.0% 0.3 PP 13.0% 14.0% 18.7% 18.0% 17.3% 0.8 PP 16.8% Net interest margin1 2.59% 2.55% 0.04 PP 2.53% 2.57% 2.63% 2.55% 2.58% (0.03 PP) 2.58% Cost/income ratio 41.9% 43.0% (1.1 PP) 43.0% 43.4% 40.4% 42.6% 43.1% (0.5 PP) 43.2% Loan/deposit ratio 105.7% 103.7% 2.0 PP 101.9% 99.8% 105.4% 105.7% 105.4% 0.3 PP 99.8% Provisioning ratio1 0.08% 0.12% (0.04 PP) 0.61% 0.18% 0.37% 0.27% 0.23% 0.04 PP 0.21% NPE ratio 1.3% 1.3% (0.1 PP) 1.3% 1.2% 1.3% 1.3% 1.3% (0.0 PP) 1.2% NPE coverage ratio 61.4% 59.0% 2.4 PP 57.8% 58.5% 61.1% 61.4% 61.1% 0.3 PP 58.5% Total assets 24,438 23,358 4.6% 22,982 23,113 21,888 24,438 21,888 11.7% 23,113 RWA 9,117 8,872 2.8% 8,391 8,317 8,136 9,117 8,136 12.1% 8,317 Equity 1,768 1,685 4.9% 1,604 1,757 1,700 1,768 1,700 4.0% 1,757 Loans to customers 17,561 17,025 3.2% 16,502 16,208 15,705 17,561 15,705 11.8% 16,208 - Hereof non-financial corporations %2 42.0% 41.9% 0.1 PP 42.1% 42.6% 43.3% 42.0% 43.3% (1.3 PP) 42.6% - Hereof households %2 56.1% 56.1% 0.0 PP 56.0% 55.3% 54.9% 56.1% 54.9% 1.2 PP 55.3% - Hereof FCY % 0.5% 0.2% 0.2 PP 0.2% 0.2% 0.2% 0.5% 0.2% 0.3 PP 0.2% Deposits from customers 17,895 17,235 3.8% 17,070 17,227 15,906 17,895 15,906 12.5% 17,227 Business outlets 138 139 (0.7%) 139 139 140 138 140 (1.4%) 139 Number of employees 3,507 3,513 (0.2%) 3,547 3,546 3,549 3,507 3,549 (1.2%) 3,546 Number of customers (in mn) 1.6 1.5 4.2% 1.5 1.5 1.5 1.6 1.5 3.9% 1.5 In EUR mn
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Country Financials (SEE) – Albania 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 36 34 7.2% 34 33 34 103 99 4.8% 132 Net fee and commission income 8 8 1.8% 7 5 8 23 23 1.1% 28 Net trading income and fair value result 2 2 6.1% 1 2 1 6 4 48.0% 6 Other net operating income 0 0 87.9% (0) (1) 0 0 1 (69.7%) 0 Operating income 47 44 6.4% 43 40 42 134 128 4.8% 167 General administrative expenses (20) (20) 0.8% (18) (21) (17) (58) (51) 13.3% (72) Operating result 27 24 10.9% 25 19 25 76 77 (0.8%) 96 Other result 0 0 – 0 (1) 0 0 0 – (1) Gov. measures and compulsory contrib. (2) (2) 4.2% (4) (2) (2) (8) (7) 10.4% (9) Impairment losses on financial assets (1) 2 – 0 1 1 1 4 (74.2%) 5 Profit/loss before tax 23 24 (3.4%) 22 17 24 69 74 (6.3%) 91 Profit/loss after tax 20 21 (3.3%) 19 14 20 59 63 (5.8%) 77 Return on equity before tax1 23.8% 25.6% (1.8 PP) 23.1% 19.0% 27.5% 25.0% 30.1% (5.1 PP) 28.4% Return on equity after tax1 20.2% 21.7% (1.5 PP) 19.8% 15.8% 23.3% 21.3% 25.5% (4.2 PP) 24.0% Net interest margin1 4.04% 4.00% 0.04 PP 4.16% 4.25% 4.35% 4.07% 4.46% (0.39 PP) 4.41% Cost/income ratio 42.7% 45.0% (2.3 PP) 42.1% 52.1% 40.6% 43.3% 40.0% 3.2 PP 42.9% Loan/deposit ratio 53.1% 54.2% (1.1 PP) 55.5% 55.1% 54.1% 53.1% 54.1% (1.0 PP) 55.1% Provisioning ratio1 0.32% (0.53%) 0.85 PP (0.09%) (0.14%) (0.27%) (0.09%) (0.43%) 0.34 PP (0.36%) NPE ratio 1.8% 1.9% (0.1 PP) 2.0% 2.2% 2.3% 1.8% 2.3% (0.5 PP) 2.2% NPE coverage ratio 77.9% 76.8% 1.1 PP 77.0% 73.2% 73.4% 77.9% 73.4% 4.5 PP 73.2% Total assets 3,899 3,659 6.6% 3,461 3,367 3,308 3,899 3,308 17.9% 3,367 RWA 2,343 2,235 4.8% 2,152 1,945 1,958 2,343 1,958 19.6% 1,945 Equity 428 400 7.2% 396 375 384 428 384 11.5% 375 Loans to customers 1,668 1,600 4.2% 1,539 1,507 1,429 1,668 1,429 16.7% 1,507 - Hereof non-financial corporations %2 49.4% 50.5% (1.1 PP) 51.8% 52.7% 51.9% 49.4% 51.9% (2.5 PP) 52.7% - Hereof households %2 50.6% 49.5% 1.1 PP 47.9% 47.2% 47.9% 50.6% 47.9% 2.7 PP 47.2% - Hereof FCY % 32.6% 33.1% (0.4 PP) 35.0% 35.4% 35.6% 32.6% 35.6% (2.9 PP) 35.4% Deposits from customers 3,337 3,132 6.6% 2,884 2,818 2,722 3,337 2,722 22.6% 2,818 Business outlets 74 74 0.0% 74 76 76 74 76 (2.6%) 76 Number of employees 1,367 1,360 0.5% 1,359 1,354 1,343 1,367 1,343 1.8% 1,354 Number of customers (in mn) 0.5 0.5 1.1% 0.5 0.5 0.5 0.5 0.5 7.8% 0.5 In EUR mn
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Country Financials (SEE) – Bosnia and Herzegovina 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 21 22 (0.6%) 22 22 22 65 65 (0.3%) 87 Net fee and commission income 16 16 4.8% 14 17 17 46 46 1.3% 63 Net trading income and fair value result (0) 0 – 0 0 (0) (0) 0 – 0 Other net operating income 1 (0) – (0) 3 (0) 1 1 (22.8%) 4 Operating income 38 41 (5.2%) 36 42 38 115 113 1.8% 155 General administrative expenses (18) (18) 0.0% (17) (21) (18) (54) (52) 3.4% (73) Operating result 20 22 (9.5%) 19 20 21 61 61 0.3% 82 Other result (0) (0) 27.7% (0) 4 0 (0) 0 – 4 Gov. measures and compulsory contrib. (2) (2) 0.1% (2) (2) (2) (5) (5) 6.4% (6) Impairment losses on financial assets (0) (1) (78.0%) (3) (2) (1) (4) (3) 11.5% (6) Profit/loss before tax 18 20 (8.3%) 14 21 18 52 53 (1.8%) 74 Profit/loss after tax 17 19 (9.3%) 13 20 16 48 48 0.1% 68 Return on equity before tax1 16.8% 18.2% (1.3 PP) 12.3% 19.5% 17.6% 16.2% 18.0% (1.8 PP) 18.9% Return on equity after tax1 15.5% 16.9% (1.4 PP) 11.2% 18.5% 16.0% 14.9% 16.3% (1.4 PP) 17.3% Net interest margin1 2.80% 2.92% (0.13 PP) 2.98% 3.05% 3.09% 2.89% 3.13% (0.24 PP) 3.11% Cost/income ratio 47.3% 44.8% 2.5 PP 48.3% 51.0% 45.8% 46.7% 46.0% 0.8 PP 47.3% Loan/deposit ratio 71.0% 73.1% (2.1 PP) 72.0% 69.5% 69.8% 71.0% 69.8% 1.1 PP 69.5% Provisioning ratio1 (0.00%) 0.16% (0.17 PP) 0.65% 0.43% 0.33% 0.26% 0.27% (0.00 PP) 0.31% NPE ratio 1.5% 1.6% (0.1 PP) 2.0% 2.0% 2.0% 1.5% 2.0% (0.5 PP) 2.0% NPE coverage ratio 74.2% 73.2% 1.0 PP 74.1% 76.1% 77.0% 74.2% 77.0% (2.8 PP) 76.1% Total assets 3,408 3,259 4.6% 3,157 3,149 3,098 3,408 3,098 10.0% 3,149 RWA 1,554 1,551 0.2% 1,594 1,569 1,628 1,554 1,628 (4.6%) 1,569 Equity 463 446 3.8% 468 455 435 463 435 6.5% 455 Loans to customers 1,841 1,817 1.3% 1,736 1,698 1,676 1,841 1,676 9.8% 1,698 - Hereof non-financial corporations %2 34.6% 35.6% (0.9 PP) 34.9% 34.8% 36.3% 34.6% 36.3% (1.6 PP) 34.8% - Hereof households %2 61.2% 60.9% 0.3 PP 61.8% 61.6% 60.7% 61.2% 60.7% 0.5 PP 61.6% - Hereof FCY % 3.1% 3.5% (0.4 PP) 4.0% 4.0% 4.3% 3.1% 4.3% (1.1 PP) 4.0% Deposits from customers 2,704 2,638 2.5% 2,558 2,575 2,533 2,704 2,533 6.7% 2,575 Business outlets 85 85 0.0% 85 85 85 85 85 0.0% 85 Number of employees 1,296 1,302 (0.5%) 1,332 1,327 1,330 1,296 1,330 (2.6%) 1,327 Number of customers (in mn) 0.5 0.5 0.2% 0.5 0.5 0.5 0.5 0.5 7.9% 0.5 In EUR mn
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Country Financials (SEE) – Croatia 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 55 52 4.1% 48 49 48 155 144 7.6% 193 Net fee and commission income 23 21 11.0% 18 19 21 62 59 4.6% 78 Net trading income and fair value result (11) 1 – 6 2 1 (4) (1) 186.6% 0 Other net operating income 11 (4) – (4) (2) 3 3 2 64.4% 0 Operating income 77 70 11.1% 68 69 71 216 203 6.0% 272 General administrative expenses (36) (38) (4.6%) (37) (39) (34) (111) (103) 8.6% (141) Operating result 41 31 30.2% 32 30 37 104 101 3.4% 131 Other result (0) 1 – (0) 0 (2) 0 (8) – (8) Gov. measures and compulsory contrib. 0 0 – 0 (2) 0 0 0 – (2) Impairment losses on financial assets (2) (1) 124.9% (5) (5) 3 (8) (6) 39.9% (10) Profit/loss before tax 38 32 21.6% 26 23 37 96 87 10.9% 110 Profit/loss after tax 31 26 21.1% 21 17 30 79 71 10.7% 88 Return on equity before tax1 21.5% 17.6% 3.9 PP 14.4% 13.3% 22.0% 18.2% 17.0% 1.2 PP 16.3% Return on equity after tax1 17.5% 14.4% 3.1 PP 11.7% 9.8% 17.9% 14.8% 13.9% 1.0 PP 13.1% Net interest margin1 2.75% 2.64% 0.12 PP 2.45% 2.62% 2.59% 2.61% 2.65% (0.04 PP) 2.64% Cost/income ratio 47.1% 54.8% (7.8 PP) 53.7% 56.6% 48.3% 51.7% 50.5% 1.2 PP 52.0% Loan/deposit ratio 67.3% 66.7% 0.7 PP 66.2% 64.7% 65.8% 67.3% 65.8% 1.5 PP 64.7% Provisioning ratio1 0.12% 0.09% 0.03 PP 0.48% 0.47% (0.30%) 0.23% 0.20% 0.03 PP 0.27% NPE ratio 1.7% 1.7% 0.0 PP 1.5% 1.6% 1.7% 1.7% 1.7% 0.0 PP 1.6% NPE coverage ratio 65.5% 62.6% 2.9 PP 67.6% 59.7% 63.6% 65.5% 63.6% 1.9 PP 59.7% Total assets 8,376 8,371 0.1% 8,362 8,098 7,852 8,376 7,852 6.7% 8,098 RWA 3,539 3,436 3.0% 3,351 3,247 2,760 3,539 2,760 28.2% 3,247 Equity 759 729 4.2% 754 733 715 759 715 6.2% 733 Loans to customers 4,059 4,021 1.0% 3,950 3,859 3,789 4,059 3,789 7.1% 3,859 - Hereof non-financial corporations %2 34.6% 34.5% 0.1 PP 34.7% 34.9% 34.1% 34.6% 34.1% 0.5 PP 34.9% - Hereof households %2 61.9% 61.1% 0.8 PP 60.2% 60.1% 59.9% 61.9% 59.9% 2.0 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 6,338 6,368 (0.5%) 6,119 6,162 5,907 6,338 5,907 7.3% 6,162 Business outlets 66 66 0.0% 67 67 67 66 67 (1.5%) 67 Number of employees 1,722 1,727 (0.3%) 1,747 1,741 1,755 1,722 1,755 (1.9%) 1,741 Number of customers (in mn) 0.5 0.5 1.2% 0.5 0.5 0.5 0.5 0.5 3.5% 0.5 In EUR mn
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Country Financials (SEE) – Kosovo 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 20 20 2.3% 18 18 18 58 53 8.6% 71 Net fee and commission income 7 5 50.3% 3 4 5 15 14 3.8% 19 Net trading income and fair value result (0) 0 – 0 0 0 0 0 (70.1%) 0 Other net operating income 0 0 (13.0%) 0 1 1 1 2 (32.2%) 3 Operating income 28 25 13.8% 22 24 24 75 70 6.3% 94 General administrative expenses (11) (12) (4.3%) (12) (12) (11) (35) (35) 0.1% (47) Operating result 17 13 30.4% 10 12 13 39 35 12.4% 47 Other result 0 0 – 0 0 0 0 0 – 0 Gov. measures and compulsory contrib. (1) (1) 0.7% (1) (1) (1) (3) (3) 14.1% (3) Impairment losses on financial assets (1) 0 – (3) (5) (0) (4) (4) 8.0% (9) Profit/loss before tax 15 12 26.2% 5 6 12 32 29 12.8% 35 Profit/loss after tax 13 11 27.8% 5 6 11 29 26 12.2% 31 Return on equity before tax1 31.2% 25.7% 5.5 PP 11.6% 14.1% 26.4% 23.5% 22.6% 0.9 PP 21.0% Return on equity after tax1 27.8% 22.7% 5.2 PP 10.4% 13.2% 24.0% 20.9% 20.2% 0.7 PP 18.9% Net interest margin1 4.10% 4.21% (0.11 PP) 4.03% 4.29% 4.49% 4.11% 4.59% (0.48 PP) 4.50% Cost/income ratio 40.1% 47.7% (7.6 PP) 55.2% 49.9% 47.1% 47.1% 50.0% (2.9 PP) 49.9% Loan/deposit ratio 85.0% 89.5% (4.5 PP) 89.4% 87.2% 90.8% 85.0% 90.8% (5.8 PP) 87.2% Provisioning ratio1 0.20% (0.02%) 0.22 PP 1.06% 1.53% 0.10% 0.41% 0.43% (0.02 PP) 0.72% NPE ratio 2.9% 3.0% (0.1 PP) 3.2% 3.2% 3.4% 2.9% 3.4% (0.5 PP) 3.2% NPE coverage ratio 75.1% 73.8% 1.3 PP 75.6% 76.2% 68.8% 75.1% 68.8% 6.3 PP 76.2% Total assets 2,131 2,048 4.1% 1,967 1,978 1,786 2,131 1,786 19.3% 1,978 RWA 1,251 1,263 (0.9%) 1,206 1,168 1,116 1,251 1,116 12.1% 1,168 Equity 212 200 6.4% 189 184 178 212 178 19.0% 184 Loans to customers 1,367 1,370 (0.2%) 1,340 1,303 1,260 1,367 1,260 8.5% 1,303 - Hereof non-financial corporations %2 32.3% 33.5% (1.1 PP) 34.1% 34.6% 34.1% 32.3% 34.1% (1.8 PP) 34.6% - Hereof households %2 67.4% 66.3% 1.1 PP 65.6% 65.3% 65.7% 67.4% 65.7% 1.7 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 1,698 1,592 6.7% 1,557 1,553 1,443 1,698 1,443 17.7% 1,553 Business outlets 36 37 (2.7%) 36 37 37 36 37 (2.7%) 37 Number of employees 779 817 (4.7%) 843 885 901 779 901 (13.5%) 885 Number of customers (in mn) 0.4 0.4 1.2% 0.4 0.4 0.4 0.4 0.4 6.8% 0.4 In EUR mn
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Country Financials (SEE) – Romania 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 159 156 1.9% 158 162 164 473 482 (1.8%) 644 Net fee and commission income 68 64 6.1% 63 68 64 196 180 9.1% 248 Net trading income and fair value result (1) 1 – 0 1 0 0 8 (96.0%) 9 Other net operating income 1 1 123.2% (5) 1 5 (4) 1 – 3 Operating income 228 222 2.5% 217 233 232 667 672 (0.7%) 905 General administrative expenses (97) (97) (0.2%) (93) (109) (92) (287) (279) 2.8% (387) Operating result 131 125 4.6% 124 124 140 381 393 (3.1%) 517 Other result (1) (1) 0.9% (1) (2) 0 (3) (1) 415.4% (2) Gov. measures and compulsory contrib. (14) (14) (0.2%) (14) (14) (14) (42) (36) 17.9% (50) Impairment losses on financial assets (14) 1 – (17) (12) (10) (31) (21) 44.8% (33) Profit/loss before tax 101 111 (8.3%) 93 96 117 305 335 (9.0%) 431 Profit/loss after tax 82 89 (7.1%) 75 77 94 246 272 (9.7%) 349 Return on equity before tax1 23.6% 25.2% (1.6 PP) 20.2% 22.4% 28.8% 23.9% 28.3% (4.4 PP) 27.7% Return on equity after tax1 19.2% 20.2% (1.0 PP) 16.3% 18.1% 23.4% 19.3% 23.0% (3.7 PP) 22.4% Net interest margin1 3.62% 3.62% (0.00 PP) 3.73% 4.02% 4.15% 3.65% 3.98% (0.34 PP) 3.98% Cost/income ratio 42.5% 43.6% (1.1 PP) 42.7% 46.6% 39.7% 42.9% 41.5% 1.4 PP 42.8% Loan/deposit ratio 72.1% 73.7% (1.6 PP) 74.3% 68.8% 73.4% 72.1% 73.4% (1.3 PP) 68.8% Provisioning ratio1 0.57% 0.02% 0.55 PP 0.60% 0.50% 0.39% 0.40% 0.27% 0.13 PP 0.33% NPE ratio 1.4% 1.5% (0.1 PP) 1.4% 1.5% 1.5% 1.4% 1.5% (0.1 PP) 1.5% NPE coverage ratio 61.2% 60.9% 0.3 PP 61.1% 61.5% 62.6% 61.2% 62.6% (1.4 PP) 61.5% Total assets 18,835 17,650 6.7% 17,726 17,485 16,154 18,835 16,154 16.6% 17,485 RWA 8,459 8,543 (1.0%) 8,486 8,009 7,502 8,459 7,502 12.8% 8,009 Equity 1,832 1,770 3.5% 1,904 1,839 1,759 1,832 1,759 4.1% 1,839 Loans to customers 11,020 10,331 6.7% 10,162 9,852 9,599 11,020 9,599 14.8% 9,852 - Hereof non-financial corporations %2 46.0% 49.7% (3.7 PP) 51.7% 50.6% 51.5% 46.0% 51.5% (5.5 PP) 50.6% - Hereof households %2 41.8% 42.5% (0.7 PP) 41.8% 42.1% 42.1% 41.8% 42.1% (0.2 PP) 42.1% - Hereof FCY % 38.4% 38.0% 0.4 PP 37.9% 34.8% 35.3% 38.4% 35.3% 3.1 PP 34.8% Deposits from customers 14,040 13,385 4.9% 13,283 13,628 12,561 14,040 12,561 11.8% 13,628 Business outlets 267 267 0.0% 267 269 272 267 272 (1.8%) 269 Number of employees 4,724 4,738 (0.3%) 4,774 4,801 4,829 4,724 4,829 (2.2%) 4,801 Number of customers (in mn) 2.4 2.4 1.2% 2.4 2.3 2.3 2.4 2.3 6.2% 2.3 In EUR mn
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Country Financials (SEE) – Serbia 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 72 69 3.2% 67 70 69 208 202 3.0% 272 Net fee and commission income 39 39 0.3% 35 39 35 112 100 12.9% 138 Net trading income and fair value result 5 3 81.2% 4 4 4 12 12 2.9% 16 Other net operating income 1 2 (50.2%) 3 (1) 2 6 9 (36.4%) 7 Operating income 117 114 2.2% 108 112 110 339 322 5.4% 434 General administrative expenses (35) (35) 1.1% (33) (37) (33) (103) (95) 9.0% (131) Operating result 82 79 2.7% 75 75 77 236 227 3.9% 302 Other result 0 0 (43.4%) 0 0 0 0 1 (49.8%) 1 Gov. measures and compulsory contrib. (2) (7) (65.9%) (2) (4) (4) (11) (11) 7.6% (14) Impairment losses on financial assets (2) 0 – 5 (1) 3 3 2 22.2% 2 Profit/loss before tax 77 73 5.7% 78 71 77 228 220 3.7% 291 Profit/loss after tax 67 63 5.6% 67 62 67 198 190 4.2% 252 Return on equity before tax1 39.0% 40.0% (1.0 PP) 35.2% 32.7% 37.6% 39.4% 37.2% 2.3 PP 37.9% Return on equity after tax1 33.8% 34.7% (0.9 PP) 30.5% 28.5% 32.5% 34.2% 32.1% 2.1 PP 32.8% Net interest margin1 4.33% 4.31% 0.02 PP 4.29% 4.42% 4.48% 4.31% 4.49% (0.18 PP) 4.47% Cost/income ratio 30.2% 30.5% (0.3 PP) 30.6% 32.7% 29.8% 30.4% 29.4% 1.0 PP 30.3% Loan/deposit ratio 69.6% 68.7% 0.8 PP 66.5% 65.8% 64.4% 69.6% 64.4% 5.2 PP 65.8% Provisioning ratio1 0.24% (0.02%) 0.26 PP (0.58%) 0.12% (0.40%) (0.11%) (0.11%) 0.00 PP (0.05%) NPE ratio 1.0% 1.0% (0.0 PP) 1.1% 1.2% 1.3% 1.0% 1.3% (0.3 PP) 1.2% NPE coverage ratio 61.3% 62.0% (0.7 PP) 62.4% 64.7% 65.2% 61.3% 65.2% (3.8 PP) 64.7% Total assets 7,016 7,036 (0.3%) 6,737 6,676 6,685 7,016 6,685 5.0% 6,676 RWA 3,927 3,819 2.8% 3,634 3,544 3,378 3,927 3,378 16.3% 3,544 Equity 885 828 6.9% 763 949 917 885 917 (3.5%) 949 Loans to customers 3,939 3,765 4.6% 3,509 3,478 3,328 3,939 3,328 18.4% 3,478 - Hereof non-financial corporations %2 49.7% 51.1% (1.4 PP) 50.8% 52.8% 53.1% 49.7% 53.1% (3.4 PP) 52.8% - Hereof households %2 49.0% 48.6% 0.4 PP 49.0% 47.0% 46.6% 49.0% 46.6% 2.4 PP 47.0% - Hereof FCY % 66.3% 65.9% 0.3 PP 66.4% 67.2% 68.6% 66.3% 68.6% (2.3 PP) 67.2% Deposits from customers 5,749 5,556 3.5% 5,364 5,367 5,201 5,749 5,201 10.5% 5,367 Business outlets 105 104 1.0% 104 104 104 105 104 1.0% 104 Number of employees 2,167 2,149 0.8% 2,159 2,156 2,182 2,167 2,182 (0.7%) 2,156 Number of customers (in mn) 1.2 1.2 2.5% 1.2 1.1 1.1 1.2 1.1 7.7% 1.1 In EUR mn
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Country Financials – Ukraine 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 106 102 4.6% 98 98 101 306 303 1.1% 401 Net fee and commission income 18 15 16.9% 12 14 12 45 50 (10.1%) 65 Net trading income and fair value result 3 2 45.8% 5 2 2 11 7 52.0% 9 Other net operating income 0 1 (57.1%) 0 3 0 2 0 >500,0% 3 Operating income 128 120 6.5% 116 118 116 364 360 0.9% 478 General administrative expenses (49) (48) 0.5% (49) (58) (47) (147) (148) (0.9%) (206) Operating result 79 72 10.5% 67 60 69 217 213 2.2% 272 Other result (1) 0 – (1) (1) 0 (2) (1) 130.4% (2) Gov. measures and compulsory contrib. (3) (3) 5.1% (3) (3) (3) (10) (9) 9.8% (12) Impairment losses on financial assets (5) (0) >500,0% (7) 38 6 (13) 10 – 48 Profit/loss before tax 69 68 1.4% 56 93 72 193 213 (9.5%) 307 Profit/loss after tax 33 45 (26.2%) 26 71 54 103 159 (34.9%) 229 Return on equity before tax1 33.8% 34.7% (0.9 PP) 29.2% 54.1% 44.7% 33.7% 47.6% (13.9 PP) 52.1% Return on equity after tax1 16.2% 22.8% (6.6 PP) 13.4% 40.8% 33.6% 18.0% 35.4% (17.4 PP) 39.0% Net interest margin1 8.83% 8.67% 0.16 PP 8.64% 8.67% 8.91% 8.72% 8.89% (0.17 PP) 8.84% Cost/income ratio 38.1% 40.4% (2.3 PP) 42.5% 49.5% 40.8% 40.3% 41.0% (0.7 PP) 43.1% Loan/deposit ratio 46.7% 43.0% 3.7 PP 42.4% 41.4% 39.5% 46.7% 39.5% 7.2 PP 41.4% Provisioning ratio1 0.57% 0.37% 0.19 PP 0.39% (4.38%) (4.29%) 0.45% (2.12%) 2.57 PP (2.72%) NPE ratio 2.6% 2.7% (0.1 PP) 3.1% 3.1% 3.3% 2.6% 3.3% (0.7 PP) 3.1% NPE coverage ratio 89.6% 83.9% 5.8 PP 83.1% 82.3% 85.1% 89.6% 85.1% 4.5 PP 82.3% Total assets 5,295 5,251 0.8% 5,125 5,002 4,982 5,295 4,982 6.3% 5,002 RWA 4,515 4,489 0.6% 4,471 4,370 4,557 4,515 4,557 (0.9%) 4,370 Equity 873 834 4.6% 802 773 734 873 734 18.9% 773 Loans to customers 2,004 1,856 8.0% 1,716 1,697 1,575 2,004 1,575 27.3% 1,697 - Hereof non-financial corporations %2 84.4% 84.4% 0.0 PP 86.5% 84.7% 86.2% 84.4% 86.2% (1.8 PP) 84.7% - Hereof households %2 11.4% 11.5% (0.0 PP) 11.9% 11.5% 11.8% 11.4% 11.8% (0.3 PP) 11.5% - Hereof FCY % 26.3% 23.5% 2.8 PP 26.7% 28.1% 28.8% 26.3% 28.8% (2.5 PP) 28.1% Deposits from customers 4,196 4,219 (0.5%) 4,073 4,034 3,991 4,196 3,991 5.1% 4,034 Business outlets 256 256 0.0% 257 266 290 256 290 (11.7%) 266 Number of employees 4,886 4,814 1.5% 4,916 5,078 5,113 4,886 5,113 (4.4%) 5,078 Number of customers (in mn) 3.2 3.1 1.3% 3.1 3.1 3.0 3.2 3.0 6.2% 3.1 In EUR mn
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Country Financials – Russia 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 381 397 (4.0%) 383 389 402 1,161 1,300 (10.7%) 1,690 Net fee and commission income 162 180 (9.8%) 173 170 174 515 559 (7.8%) 729 Net trading income and fair value result (10) 2 – 1 57 57 (8) 181 – 238 Other net operating income 1 (2) – 4 15 0 3 1 103.0% 16 Operating income 534 577 (7.3%) 561 632 635 1,672 2,042 (18.1%) 2,674 General administrative expenses (180) (185) (2.9%) (180) (204) (171) (545) (485) 12.5% (688) Operating result 355 391 (9.4%) 381 428 464 1,127 1,558 (27.7%) 1,986 Other result (308) (1) >500,0% (15) (344) 4 (324) (1,264) (74.4%) (1,609) Gov. measures and compulsory contrib. (5) (6) (6.0%) (5) (5) (5) (16) (16) (3.6%) (22) Impairment losses on financial assets (2) 6 – (7) 84 (32) (3) (33) (90.9%) 51 Profit/loss before tax 40 392 (89.9%) 353 163 431 784 244 221.7% 406 Profit/loss after tax (37) 289 – 261 32 319 512 (118) – (86) Return on equity before tax1 18.5% 27.0% (8.5 PP) 24.7% 9.5% 24.9% 19.8% 12.3% 7.5 PP 6.5% Return on equity after tax1 13.3% 19.9% (6.7 PP) 18.3% 1.9% 18.5% 13.5% 4.4% 9.2 PP – Net interest margin1 8.43% 8.60% (0.17 PP) 8.57% 8.93% 9.48% 8.53% 10.05% (1.52 PP) 9.74% Cost/income ratio 33.6% 32.1% 1.5 PP 32.1% 32.2% 26.9% 32.6% 23.7% 8.9 PP 25.7% Loan/deposit ratio 23.1% 22.9% 0.2 PP 25.5% 26.6% 29.4% 23.1% 29.4% (6.3 PP) 26.6% Provisioning ratio1 0.20% (0.54%) 0.75 PP 0.67% (7.43%) 2.75% 0.11% 0.98% (0.87 PP) (1.03%) NPE ratio 1.2% 1.2% (0.0 PP) 1.3% 1.2% 1.7% 1.2% 1.7% (0.5 PP) 1.2% NPE coverage ratio 81.7% 80.8% 0.9 PP 79.1% 78.8% 73.7% 81.7% 73.7% 8.1 PP 78.8% Total assets 18,848 19,819 (4.9%) 18,421 18,505 17,665 18,848 17,665 6.7% 18,505 RWA 19,439 20,610 (5.7%) 20,035 19,042 18,021 19,439 18,021 7.9% 19,042 Equity 6,022 6,494 (7.3%) 5,915 5,622 5,377 6,022 5,377 12.0% 5,622 Loans to customers 4,512 4,642 (2.8%) 4,418 4,415 4,546 4,512 4,546 (0.7%) 4,415 - Hereof non-financial corporations %2 14.9% 13.8% 1.1 PP 15.7% 17.2% 21.4% 14.9% 21.4% (6.6 PP) 17.2% - Hereof households %2 32.8% 36.0% (3.1 PP) 38.0% 40.1% 39.8% 32.8% 39.8% (7.0 PP) 40.1% - Hereof FCY % 2.6% 3.2% (0.7 PP) 4.2% 4.1% 4.4% 2.6% 4.4% (1.8 PP) 4.1% Deposits from customers 10,110 10,896 (7.2%) 10,141 10,298 10,153 10,110 10,153 (0.4%) 10,298 Business outlets 62 63 (1.6%) 63 66 68 62 68 (8.8%) 66 Number of employees 7,636 8,109 (5.8%) 8,402 8,522 8,614 7,636 8,614 (11.4%) 8,522 Number of customers (in mn) 2.7 2.8 (3.3%) 2.8 2.9 2.9 2.7 2.9 (8.1%) 2.9 In EUR mn
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Group Corporates & Markets 3 November 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 Q3/2026 Q2/2026 q-o-q Q1/2026 Q4/2025 Q3/2025 1-9/2026 1-9/2025 y-o-y 1-12/2025 Net interest income 202 179 13.3% 176 179 170 557 546 2.0% 725 Net fee and commission income 169 168 0.9% 175 153 152 512 447 14.6% 600 Net trading income and fair value result 33 65 (50.0%) 44 40 16 142 115 23.1% 155 Other net operating income 41 54 (24.7%) 37 34 40 132 107 23.8% 141 Operating income 455 474 (4.0%) 432 411 385 1,361 1,238 9.9% 1,649 General administrative expenses (238) (241) (1.3%) (253) (204) (234) (733) (721) 1.6% (925) Operating result 216 232 (6.8%) 179 207 151 628 517 21.4% 724 Other result 0 1 (62.7%) 1 9 (1) 2 (10) – (1) Gov. measures and compulsory contrib. (14) (12) 15.7% (11) (0) (12) (37) (35) 5.3% (35) Impairment losses on financial assets (7) (35) (81.0%) (49) (66) (37) (91) (170) (46.3%) (236) Profit/loss before tax 196 186 5.7% 120 150 102 502 302 65.9% 452 Profit/loss after tax 159 149 6.5% 97 119 81 405 240 68.8% 359 Return on equity before tax1 18.2% 16.8% 1.4 PP 10.5% 13.8% 9.8% 15.1% 9.7% 5.4 PP 10.4% Return on equity after tax1 14.7% 13.5% 1.2 PP 8.5% 11.0% 7.8% 12.2% 7.7% 4.5 PP 8.3% Net interest margin1 1.25% 1.11% 0.15 PP 1.12% 1.18% 1.12% 1.16% 1.19% (0.03 PP) 1.18% Cost/income ratio 52.4% 51.0% 1.4 PP 58.6% 49.6% 60.8% 53.9% 58.3% (4.4 PP) 56.1% Loan/deposit ratio 170.3% 166.8% 3.6 PP 176.3% 167.3% 166.2% 170.3% 166.2% 4.1 PP 167.3% Provisioning ratio1 0.07% 0.37% (0.30 PP) 0.54% 0.74% 0.41% 0.33% 0.63% (0.30 PP) 0.66% NPE ratio 2.6% 2.8% (0.2 PP) 2.8% 2.9% 3.0% 2.6% 3.0% (0.4 PP) 2.9% NPE coverage ratio 31.6% 31.4% 0.2 PP 29.5% 25.9% 31.5% 31.6% 31.5% 0.1 PP 25.9% Total assets 65,945 66,646 (1.1%) 66,326 63,635 61,599 65,945 61,599 7.1% 63,635 RWA 23,930 23,304 2.7% 23,664 23,660 22,669 23,930 22,669 5.6% 23,660 Equity 4,705 4,581 2.7% 4,611 4,600 4,511 4,705 4,511 4.3% 4,600 Loans to customers 38,019 38,355 (0.9%) 38,032 35,954 35,324 38,019 35,324 7.6% 35,954 - Hereof non-financial corporations %2 50.1% 50.2% (0.1 PP) 51.0% 52.7% 50.9% 50.1% 50.9% (0.8 PP) 52.7% - Hereof households %2 21.5% 21.1% 0.4 PP 21.0% 22.2% 22.2% 21.5% 22.2% (0.7 PP) 22.2% - Hereof FCY % 15.2% 15.9% (0.7 PP) 15.2% 12.7% 13.1% 15.2% 13.1% 2.2 PP 12.7% Deposits from customers 24,879 25,305 (1.7%) 24,813 20,968 23,022 24,879 23,022 8.1% 20,968 Business outlets 19 19 0.0% 19 18 17 19 17 11.8% 18 Number of employees 3,881 3,888 (0.2%) 3,861 3,714 3,727 3,881 3,727 4.1% 3,714 Number of customers (in mn) 2.8 2.8 0.1% 2.7 2.7 2.6 2.8 2.6 6.5% 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 3 November 2026 65
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Shareholder Information Overview Moody’s Standard & Poor’s Long term A1 A- Outlook Stable Positive 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 3 November 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 Relations Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna Austria +43 1 71 707 2089 ir@rbinternational.com www.rbinternational.com 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 3 November 2026 67