Raiffeisen Bank International AG Reports 2025 Profit Surge and Dividend Increase

Raiffeisen Bank International AG (RAIFF) released its 2025 full‑year results on 30 January 2026, confirming a robust earnings performance that surpassed market expectations. The bank’s consolidated net profit rose to EUR 1.443 billion, a figure that underscores the strength of its core banking activities across Austria and Central and Eastern Europe.

Earnings Highlights

  • Net profit of EUR 1.443 billion for 2025, driven largely by higher loan‑growth returns and improved loan‑loss provisions.
  • The profitability figures exclude activities in Russia and Belarus, reflecting the bank’s decision to limit exposure to those markets following geopolitical developments.
  • The earnings call transcript, released alongside the results, emphasized that the bank’s credit portfolio quality remained sound, with loan loss provisions decreasing relative to the previous year.

Dividend Policy Adjustment

In line with the profit uplift, Raiffeisen Bank International announced a higher dividend payout for its shareholders. The board justified the increase by citing the sustained profitability and the bank’s strong capital position. While the exact dividend figure was not disclosed in the brief, the decision was welcomed by investors, who noted the bank’s price‑to‑earnings ratio of 18.76 and its market capitalisation of €14.0 billion.

Regional Performance

Romania

Raiffeisen Bank Romania, a subsidiary of RAIFF, reported that it finished 2025 with RON 88.6 billion in assets, reflecting an 8 % year‑on‑year increase. The subsidiary’s net profit reached RON 1.75 billion, up 4 % compared with 2024. These results demonstrate the bank’s continued expansion in the Romanian market and its ability to generate stable earnings from retail and corporate banking services.

Poland and Other Markets

The bank’s performance in Poland benefited from lower foreign‑exchange credit provisions and a stronger loan‑growth trajectory, contributing to the overall profit lift. In other Central and Eastern European markets, RAIFF maintained its focus on structured and trade financing, as well as leasing and factoring services.

Market Reaction

At the time of the earnings announcement, Raiffeisen Bank International’s share price traded at EUR 42.68 on the Vienna Stock Exchange, comfortably above its 52‑week low of EUR 18.20 and close to the 52‑week high of EUR 43.42. The news has reinforced investor confidence in the bank’s strategic direction, particularly its emphasis on core markets and prudent risk management.

Outlook

Raiffeisen Bank International remains committed to expanding its retail banking footprint in Central and Eastern Europe while maintaining a conservative approach to credit provisioning. The bank’s leadership highlighted the importance of operational efficiency and digital transformation as key drivers of future growth. Investors will be keen to monitor the bank’s subsequent quarterly reports, which are expected to confirm the upward trajectory in profitability and to provide further detail on the dividend declaration.

This article is based solely on the publicly available information provided in the input.