Raiffeisen Bank International AG (RAIFY)

RAIFY Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	7,961	8,170	8,198	6,681	3,847	3,767
Interest Income on Investments	2,211	2,345	2,347	641	789	626
Total Interest Income	10,172	10,515	10,545	7,322	4,636	4,393
Interest Paid on Deposits	4,231	4,702	4,914	2,205	1,267	1,251
Net Interest Income	5,941	5,813	5,631	5,117	3,369	3,142
Net Interest Income Growth (YoY)	3.66%	3.23%	10.04%	51.89%	7.22%	-8.75%
Income From Trading Activities	237	111	161	663	53	-
Gain (Loss) on Sale of Assets	-4	-10	1	-20	-19	3
Gain (Loss) on Sale of Investments	-53	-62	9	-124	56	-53
Gain (Loss) on Sale of Equity Investments	24	47	85	64	46	41
Other Non-Interest Income	2,779	2,747	2,965	3,953	2,106	1,886
Total Non-Interest Income	2,983	2,833	3,221	4,536	2,242	1,877
Non-Interest Income Growth (YoY)	7.30%	-12.05%	-28.99%	102.32%	19.45%	-8.57%
Revenues Before Loan Losses	8,924	8,646	8,852	9,653	5,611	5,019
Provision for Loan Losses	173	125	391	949	295	598
Revenue	8,751	8,521	8,461	8,704	5,316	4,421
Revenue Growth (YoY)	5.21%	0.71%	-2.79%	63.73%	20.24%	-15.99%
Salaries and Employee Benefits	2,159	2,053	2,167	2,007	1,572	1,521
Occupancy Expenses	486	472	465	461	407	384
Selling, General & Administrative	1,164	1,161	1,115	1,011	933	870
Other Non-Interest Expense	366	338	370	410	272	316
Total Non-Interest Expense	4,175	4,024	4,117	3,889	3,184	3,091
EBT Excluding Unusual Items	4,576	4,497	4,344	4,815	2,132	1,330
Asset Writedown	9	7	-25	-20	6	-20
Legal Settlements	-2,607	-1,497	-878	-510	-326	-60
Other Unusual Items	-27	-23	-27	-11	-14	-40
Pretax Income	1,951	2,984	3,412	4,203	1,789	1,183
Income Tax Expense	1,007	953	958	859	368	321
Earnings From Continuing Operations	944	2,031	2,454	3,344	1,421	862
Earnings From Discontinued Operations	-753	-673	124	453	86	48
Minority Interest in Earnings	-210	-201	-192	-170	-135	-106
Net Income	-19	1,157	2,386	3,627	1,372	804
Preferred Dividends & Other Adjustments	112	110	109	92	92	75
Net Income to Common	-131	1,047	2,277	3,535	1,280	729
Net Income Growth	-	-51.51%	-34.22%	164.36%	70.65%	-34.48%
Basic Shares Outstanding	328	328	328	329	329	329
Diluted Shares Outstanding	328	328	328	329	329	329
Shares Change (YoY)	-	-	-0.30%	-	-	0.12%
EPS (Basic)	-0.40	3.19	6.94	10.74	3.89	2.22
EPS (Diluted)	-0.40	3.19	6.94	10.74	3.89	2.22
EPS Growth	-	-54.02%	-35.39%	176.17%	75.58%	-37.48%
Dividend Per Share	1.100	1.100	1.250	0.800	-	0.480
Dividend Growth	-12.00%	-12.00%	56.25%	-	-	-
Effective Tax Rate	51.62%	31.94%	28.08%	20.44%	20.57%	27.13%

Updated Feb 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.