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Annual reports

Annual Report 2024

RBI: Consolidated profit stable at EUR 975 million for the core Group

  • Consolidated profit 2024 of EUR 975 million for the core Group (excluding Russia and Belarus), including EUR 649 million provisions for CHF and EUR mortgage loans in Poland
  • Net interest income for the core Group stable at EUR 4,155 million while net fee and commission income improves 5% to EUR 1,845 million
  • Provisioning ratio for the core Group at 27 bps
  • CET1 ratio excluding Russia at 15.1% (Group CET1 ratio at 17.1%)
  • EUR 840 million legal provision booked through AO Raiffeisenbank Russia income statement relating to ongoing legal proceedings
  • Sale of Belarusian Group units completed in Q4, leading to positive 4 basis points impact on Group CET1 ratio (excluding Russia) and a negative EUR 824 million deconsolidation effect through income statement
  • Dividend proposal of EUR 1.10 per share
  • Outlook for 2025 (excluding Russia), including 6% to 7% loan growth and stable CET1 ratio

Other annual reports

Sustainability report 2023

We see the publication of our annual Sustainability Report (which corresponds to the consolidated non-financial report) as an important transparency and information tool in dialog with our stakeholders. It not only shows what has been achieved so far on those topics summarized under ESG (environment, social and governance), but also provides an outlook on our sustainability targets.

The report contains the regulatory disclosure according to as well as the progress report on the implementation of the UNEP FI "Principles for Responsible Banking". The report also provides comprehensive information on our sustainability performance in 2023 and an outlook on the sustainability program for 2024. In addition, the summary of the steps achieved can also be accessed in plain language for the first time via a QR code.

Sustainability report 2023

The reporting structure complies with the legal requirements and has already been partially adapted with regard to the new reporting requirements of the European Union (the Corporate Sustainability Reporting Directive, CSRD).
 

Overview of the relevant templates to be reported in accordance with Article 8 of the EU Taxonomy Regulation and the supplementary Delegated Regulations for the 2023 financial year:

2023 - ESG supplement data collection

To provide an overview and to ease the comparison of our ESG performance data please also see the supplement to our Sustainability Report 2023.