Analysts & Estimates | Raiffeisen Bank International AG
Equity Analysts and Raiffeisen Bank International Consensus
Equity analysts
| Bank | Analyst |
|---|---|
| Alpha Value / Fairesearch | David Grinsztajn |
| Autonomous Research | Gabor Kemeny |
| Bank of America Merrill Lynch | David Taranto |
| Bank Pekao | Paweł Szymczak |
| Barclays | Krishnendra Dubey |
| Citigroup | Simon Nellis |
| Concorde Securities | Mihaly Gajda |
| Deutsche Bank AG | Marlene Eibensteiner |
| Erste Bank | Thomas Unger |
| Keefe, Bruyette & Woods | Ben Maher |
| Kepler Cheuvreux | Benoit Petrarque |
| mBank | Michał Konarski |
| Mediobanca | Riccardo Rovere |
| Oddo BHF | Steven Gould |
| PKO | Robert Brzoza |
| UBS | Mate Nemes |
| Wood | Marta Jezewska-Wasilewska |
Consensus Estimates
Additional information relating to Q3 2026
- C. EUR -51 million of credit-linked provisions for litigation and annulment of loan agreements in Poland were booked under other result.
- C. EUR 90 million expenses related to the Rasperia legal proceedings and ensuing measures in Austria were booked under general administrative expenses in head office.
The consensus estimates of earnings are based on earnings forecasts made by securities analysts who follow the development of Raiffeisen Bank International. The views expressed and forecasts, estimates, and predictions made by those analysts regarding performance (and hence the figures of the consensus estimates) solely reflect the opinions of those analysts, and not the opinions, forecasts, estimates, or predictions of Raiffeisen Bank International or its management. The fact that Raiffeisen Bank International makes these figures available does not mean that the company endorses or agrees with this information, conclusions, or recommendations. Raiffeisen Bank International assumes no liability for the accuracy of these estimates or obligation to update or revise them.
Last update: 30 October 2026
Consensus Q3/2026e
Income Statement excl. Russia
| Consensus in EUR million | Mean | Max | Min |
|---|---|---|---|
| Net interest income | 1,133 | 1,155 | 1,117 |
| Net fee and commission income | 533 | 570 | 533 |
| Other operating components | 59 | 80 | 15 |
| Operating income | 1,745 | 1,770 | 1,691 |
| General administrative expenses | -981 | -916 | -1,040 |
| Operating result | 764 | 828 | 708 |
| Other result | -64 | -43 | -116 |
| Governmental measures and compulsory contributions | -43 | -27 | -50 |
| Impairment losses on financial assets | -76 | -40 | -106 |
| Profit/loss before tax | 591 | 637 | 551 |
| Tax expense | -138 | -121 | -155 |
| Profit/loss after tax (incl. profit from discontinued operations) | 453 | 489 | 421 |
| Consolidated profit/loss | 393 | 422 | 356 |
Key ratios / balance sheet information excl. Russia
| Monetary values in EUR million | Mean | Max | Min |
|---|---|---|---|
| Risk-weighted assets (total RWA) | 85,289 | 85,833 | 84,323 |
| Loans to customers | 108,213 | 109,248 | 106,331 |
| Cost of risk | 0.30% | 0.39% | 0.22% |
| CET1 ratio (fully loaded) | 15.5% | 15.7% | 15,2% |
| Net Interest Margin | 2.24% | 2.30% | 2.19% |
| Cost/income Ratio | 55.7% | 58,1% | 52,5% |
| Consolidated Return-on-Equity | 10.9% | 12,5% | 9,3% |