RAIFFEISEN BANK INTERNATIONAL company profile

Overview

Raiffeisen Bank International (RBI) is an Austrian banking and financial-services group whose home markets are Austria and Central and Eastern Europe (CEE). It operates as a corporate and investment bank in Austria and serves businesses and retail customers through subsidiary banks across CEE. Its activities also include leasing, asset management, factoring and M&A services.[1]

As of 30 June 2026, RBI reported subsidiary banks in 11 CEE markets, approximately 42,000 employees, 18.8 million clients and 1,300 business outlets, most of them in CEE.[1] For FY2025, it reported operating income of €9.097 billion.[2] RBI states its mission as “We transform continuous innovation into superior customer experience.” [3] [1]

Products & services

Raiffeisen Bank International (RBI) offers corporate cash-management and digital banking services. Its CMIplus platform supports consolidated cash management across network banks and Austria, including payments, account information, statements, dashboard views of balances and exchange rates, pending-payment monitoring, payment templates, standing orders and multibanking.[4][5] The myRaiffeisen business-banking service includes eKYC, eSignature, digital financing, online business-account opening and single sign-on; RBI’s Open APIs support corporate account data, payment initiation and reporting.[6][7] Trade services include guarantees, letters of credit, documentary collection, sustainable trade finance, export and agency finance, and export-credit-agency-covered financing. Corporate financing offerings include project and structured finance, including cash-flow-based financing, as well as vehicle, equipment and real-estate leasing and fleet management.[8]

RBI’s investment-banking services include Eurobonds, retail and hybrid bonds, private placements, Schuldschein loans, sustainable bond structuring, IPOs, capital increases, secondary offerings, block trades, accelerated bookbuilds, convertible bonds, M&A advice and syndicated loans.[13] For institutional clients, FX Raiffeisen provides online foreign-exchange execution and Global Investor Gate is a securities-services interface; services include brokerage, custody and fund administration, with custody coverage in more than 50 markets. RBI also offers fixed-income, money-market and securities-finance products, including FX swaps.[16] Raiffeisen Capital Management offers bond, European and emerging-market equity, multi-asset and sustainable-investment strategies.[19]

Retail offerings vary across RBI’s markets. RaiPay is a digital wallet for managing Raiffeisen cards and transactions, with NFC and peer-to-peer payments, online-purchase authentication and disposable card numbers.[20] In Poland, Raiffeisen Digital Bank lists personal and consolidation loans, current accounts, term deposits and savings accounts, with online cash-loan applications through its app.[21][22] Private banking is offered in selected markets through RBI network providers, including Friedrich Wilhelm Raiffeisen, Tatra banka Private Banking and Kathrein Privatbank; Friedrich Wilhelm Raiffeisen describes tailored wealth-management solutions.[23][24] The reported disclosures reviewed provide aggregate fee-and-commission results and category movements rather than product-specific revenue percentages.[25][26] [4]

Geographic presence

Raiffeisen Bank International’s home market is Austria and Central and Eastern Europe (CEE). Its retail-banking network identifies 11 CEE markets: Albania, Bosnia and Herzegovina, Croatia, Kosovo, Romania, Serbia, Slovakia, Czechia, Ukraine, Hungary and Russia. The bank also reports representation in 23 countries, including selected representative offices and service branches in Asia and Western Europe; it established a representative office in Slovenia in 2026.[1]

In the first half of 2026, RBI reported 41,704 employees and 1,304 outlets across the group. Its geographic segments were Central Europe (€1,292 million operating income; 10,643 employees; 333 outlets), Southeastern Europe (€1,010 million; 12,093; 633), Russia (€1,137 million; 8,109; 63) and Ukraine (€236 million; 4,814; 256). These segment operating-income figures equate to approximately 28.6%, 22.4%, 25.2% and 5.2%, respectively, of group operating income of €4,514 million; they are not a complete country-level revenue breakdown, and the group total also includes other segments and reconciliation.[29][30]

Russia remained a reported operating segment in H1 2026, although RBI also described further reduction of its Russian business and presented a pro forma statement for discontinued Russian operations. The cited reporting does not indicate that a sale or exit had been completed.[31][32] [1]

Business segments

RBI’s 2026 half-year report presents two alternative segment views: geographic segments and business segments. In the geographic view, Central Europe covers Czechia, Hungary, Poland and Slovakia; Southeastern Europe covers Albania, Bosnia and Herzegovina, Croatia, Kosovo, Romania and Serbia; and the other segments are Russia and Ukraine. RBI renamed “Eastern Europe” to “Russia” effective 1 January 2026.[33] Based on operating income of €4,514 million, Central Europe reported €1,292 million (about 28.6%), Southeastern Europe €1,010 million (22.4%), Russia €1,137 million (25.2%), and Ukraine €236 million (5.2%).[37][38]

The alternative business-segment view includes Group Corporates & Markets, which covers Austrian and international corporate customers, financial institutions and sovereigns, capital-market and equity-trading activities, Raiffeisen Banking Group institutions, and specified financial-service and specialist companies. It reported €906 million in operating income, about 20.1% of the group total.[39][38] Corporate Center comprises central group management functions, including treasury, other group units, minority interests and non-banking equity-accounted companies; it reported €1,237 million, about 27.4%.[40][38] Reconciliation, principally intra-group eliminations and consolidation, was negative €1,304 million (about negative 28.9%), bringing the business-segment view to the €4,514 million group total.[41][38] These percentages use reported group operating income as the denominator; Corporate Center’s figure includes €1,205 million of dividend income, largely offset by dividend income in reconciliation.[38] [33]

Company history

Raiffeisen Bank International’s roots lie in Austria’s cooperative banking movement: the first Austrian Raiffeisen bank was founded in Mühldorf in 1886. Its predecessor central institution, Genossenschaftliche Zentralbank, was established in 1927 and later became Raiffeisen Zentralbank Österreich (RZB).[42]

The group began expanding into Central and Eastern Europe with a subsidiary in Hungary in 1986, followed by entries into Poland in 1991 and the Czech Republic in 1993. It established a bank in Romania in 1998, later merged with Banca Agricola in 2002, and expanded through acquisitions and new banks in Bosnia and Herzegovina and Serbia around 2000–2001.[43]

In 2005, Raiffeisen International acquired a majority stake in Ukraine’s Bank Aval and completed its Vienna IPO. It agreed to acquire a 70% stake in Poland’s Polbank in 2011, with the business consolidated in 2012.[49]

The merger of RZB into Raiffeisen Bank International took effect on 18 March 2017, making RBI RZB’s legal successor. In 2018, RBI completed the sale of Raiffeisen Bank Polska’s core banking operations to BGŻ BNP Paribas.[52][53] [42]

Sources

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