RAIFFEISEN BANK INT-UNSP ADR Business Summary

Raiffeisen Bank International AG (RBI) operates as a leading universal banking group primarily serving Central and Eastern Europe (CEE) and Austria. The company generates revenue through three core streams: net interest income from its extensive lending portfolio, net fee and commission income from retail and corporate services, and net trading results. Its operations are organized into five primary business segments: Central Europe (including Czech Republic and Hungary), Southeastern Europe (including Romania and the Balkan states), Eastern Europe (comprising Russia, Ukraine, and Belarus), Group Corporates & Markets (focused on institutional and capital markets business in Austria), and the Corporate Center. As of July 2026, RBI maintains a strategic focus on digital transformation and de-risking its Eastern European exposure while reinforcing its "bridging function" for Western capital into high-growth CEE markets. It competes directly with major pan-regional players such as UniCredit, Erste Group, and OTP Bank, positioning itself as the second-largest banking group in the CEE region by total assets. Effective July 1, 2026, the leadership team is headed by Chief Executive Officer Michael Höllerer, who succeeded long-time CEO Johann Strobl. Höllerer brings over 20 years of banking expertise, having previously served as the CEO of Raiffeisenlandesbank Niederösterreich-Wien and as RBI’s Chief Financial Officer. The executive board includes CFO Kamila Makhmudova, who joined in early 2026, Chief Risk Officer Hannes Mösenbacher, and Andreas Gschwenter, who serves as both Chief Operating Officer and Chief Information Officer. The company’s governance is overseen by Supervisory Board Chairman Erwin Hameseder. RBI is anchored by a stable ownership structure where eight regional Austrian Raiffeisen banks collectively hold approximately 58.8% of the voting rights, while the remaining 41.2% institutional free float includes notable global investors such as Vanguard and BlackRock.