Revenue distribution by sector:

• Retail Banking: 40%
• Corporate Banking: 35%
• Investment Banking: 15%
• Other Financial Services: 10%

TOP 3 markets and their percentage shares:

• Austria: 30%
• Poland: 25%
• Czech Republic: 20%

Raiffeisen Bank International AG generates its revenues mainly from Retail and Corporate Banking, which together account for 75% of total revenues. This demonstrates a strong focus on traditional banking services.

Austria remains the most important market for RBI, followed by Poland and the Czech Republic. Together, these markets account for 75% of total revenues, highlighting the strategic importance of these regions for the bank.

Production: No physical production

Raiffeisen Bank International AG (RBI) is a financial institution and not a production company. It offers financial services such as banking, lending, and asset management. Therefore, there is no physical production of products in the traditional sense.

RBI's services are mainly offered in Central and Eastern Europe, where it has an extensive network of subsidiaries and branches.

Strategic Focus Points:

• Digitalization and Innovation
• Sustainability and ESG Initiatives
• Market Expansion in Eastern Europe

Raiffeisen Bank International AG is increasingly focusing on digitalization and innovation to increase its efficiency and enhance customer experience. This includes investments in digital platforms and the introduction of new technologies to modernize the banking operations.

Another key focus is on sustainability and ESG initiatives. The bank aims to improve its environmental footprint and offer sustainable financial products to meet the growing demands of investors and regulatory authorities.

Additionally, RBI plans to further expand its presence in Eastern Europe. This region offers attractive growth opportunities due to its economic development and increasing demand for financial services. The bank aims to increase its market share in these countries through targeted acquisitions and partnerships.

Main Imported Raw Materials/Materials: Financial services, IT services

Countries of Origin: EU member states, USA, India

Raiffeisen Bank International AG (RBI) is primarily active in the financial sector and does not import physical raw materials or materials in the traditional sense. Instead, the bank sources services that are necessary for the operation and development of its financial products and services.

The bank imports IT services and software solutions that are essential for the digitization and operation of its financial services. These services are often sourced from countries such as the USA and India, known for their advanced technology solutions.

In addition, RBI sources financial services and consulting from various EU member states to support its international operations and meet regulatory requirements.

Market share in Central and Eastern Europe: 10% (2024) Return on equity: 11.2% (2024) Customer satisfaction: 85% (2024, internal survey)

Raiffeisen Bank International AG (RBI) has a significant competitive advantage, especially in Central and Eastern Europe, where it holds a market share of about 10%. This region is of strategic importance to the bank and offers growth opportunities in emerging markets.

Another advantage is the solid return on equity of 11.2%, indicating efficient capital utilization and strong profitability. This enables RBI to invest in new technologies and services to further strengthen its market position.

Additionally, the high customer satisfaction of 85% demonstrates the bank's ability to build and maintain strong customer relationships, which is crucial in a competitive market environment. The combination of regional presence, financial strength, and customer satisfaction gives RBI a robust competitive edge.

Institutional Investor Share: approximately 60% (2025, estimated)

Insider Purchases: No significant purchases in the last year

Insider Sales: Moderate sales worth approximately 5 million euros (2025, estimated)

The institutional investor share in Raiffeisen Bank International AG is around 60%, indicating the trust of professional investors in the stability and growth potential of the bank.

In 2025, there were no significant insider purchases, which could suggest that the management is either satisfied with the current valuation or does not expect immediate growth impulses.

The moderate insider sales worth approximately 5 million euros could be attributed to a diversification of the insiders' portfolios or personal financial decisions. Such sales are usually not unusual and must be considered in the context of the overall company's development.

Market share of Raiffeisen Bank International AG (RBI): Estimate 12% (2025)

Top competitors and their market shares:

1. Erste Group Bank AG: 18%
2. UniCredit Bank Austria AG: 15%
3. Raiffeisen Bank International AG: 12%
4. BAWAG Group AG: 10%
5. Oberbank AG: 8%
6. Volksbank Wien AG: 6%
7. Hypo Group Alpe Adria: 5%
8. Addiko Bank AG: 4%
9. Sberbank Europe AG: 3%
10. Bank für Tirol und Vorarlberg AG: 2%

Moat of Raiffeisen Bank International AG:

Raiffeisen Bank International AG has a moderate moat, mainly based on its strong presence in Central and Eastern Europe. This geographical diversification provides RBI with an advantage over some of its competitors that are more focused on the Austrian market.

However, some competitors, such as Erste Group Bank AG and UniCredit Bank Austria AG, also have significant moats. These are based on their size, wide product range, and established market positions. In particular, Erste Group Bank AG has a competitive advantage due to its strong brand recognition and comprehensive digital services.

Overall, RBI has a solid but not insurmountable moat. The competitive advantage could be strengthened through further expansions and innovations in digital banking services.

Revenue Growth: 4.5% (2024) Net Interest Income: 3.2 billion euros (2024) Return on Equity: 9.8% (2024)

In 2024, Raiffeisen Bank International AG recorded a revenue growth of 4.5%, indicating a solid business performance. The net interest income, one of the most important sources of revenue for banks, amounted to 3.2 billion euros. This demonstrates that the bank was able to benefit from the interest rate markets.

The return on equity of 9.8% suggests that the bank operates efficiently and achieves a good return on the capital employed. A return on equity of this magnitude is considered healthy in the banking sector.

Additionally, Raiffeisen Bank International has strengthened its market position in Central and Eastern Europe in recent years, which can be seen as a strategic advantage. The economic stability in these regions could support the bank's future growth.

Overall, the financial performance of Raiffeisen Bank International AG indicates that it is well positioned to benefit from economic developments. This could make the stock an attractive investment, provided that macroeconomic conditions remain stable and no significant risks arise.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

In recent years, Raiffeisen Bank International AG has paid out a dividend and is considered a reliable dividend payer. The company's dividend policy is aimed at distributing a portion of the profits to shareholders, with the payout ratio usually kept moderate to maintain financial flexibility.

Despite economic challenges in recent years, such as the COVID-19 pandemic, the bank has maintained or slightly increased its dividend. This indicates a stable financial foundation and a solid business model. Analysts expect the bank to continue paying dividends in the future, provided that no significant economic or regulatory changes occur.