06.05.2025 - RBI: First Quarter Report 2025

• Q1/2025 consolidated profit of EUR 260 million for the core Group (excluding Russia)
• Net interest income for the core Group stable q-o-q at EUR 1,046 million despite lower market interest rates, net fee and commission income down slightly
• Provisioning ratio for the core Group at 20 bps, including additional overlays of EUR 71 million
• CET1 ratio excluding Russia at 15.9% (Group CET1 ratio at 18.8%)
• Further business reduction in Russia, customer loans down 4% q-o-q and deposits from customers down 9% q-o-q in local currency
• S&P rating was upgraded from A- negative to A- stable, reflecting significant business reduction in Russia, the successful exit from Belarus and RBI’s robust compliance organization
• Outlook for 2025 unchanged

Rasperia case:

• No additional P&L impact on RBI from appeals court verdict in the Rasperia case on 25 April 2025
• Judgement has been partially enforced against AO Raiffeisenbank with the RUB-equivalent of approximately EUR 1.87 billion withdrawn by the Russian Central Bank and transferred to Rasperia
• AO Raiffeisenbank has filed a further appeal in Russia and RBI Group is finalizing legal action in Austria