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Stable consolidated profit of 975 million euros in the core group In 2024, Raiffeisen Bank International (RBI) generated a consolidated profit of 975 million euros in its core group, i.e. excluding Russia and Belarus. This included provisions for foreign currency loans in Poland in the amount of 649 million euros. Consolidated profit including Russia and Belarus amounted to around 1.2 billion euros. "RBI achieved a satisfactory result in 2024 despite massive extraordinary charges. The sale of Priorbank in Belarus enabled us to reduce RBI’s political risk. The business reduction in Russia is making good progress," said Johann Strobl, CEO of RBI. Sharp decline in risk costs Risk costs also declined in the 2024 financial year. At 125 million euros, they were significantly lower than in the previous year (391 million euros). While the previous year had been mainly characterized by provisions at head office, in Russia, and in Ukraine, there were net releases in Russia in the reporting year due to repayments and releases of overlays. The situation at the group’s head office developed in the opposite direction, with additional provisions for real estate financing and corporate clients. Accelerated reduction of business in Russia RBI continued to reduce its Russian business significantly in the 2024 financial year. The loan volume in Russia was reduced by 30 per cent. At the end of 2024, it amounted to just 4.2 billion euros. Deposits from customers decreased by 35 per cent. The foreign currency payments business from Russia was further restricted. Common Equity Tier 1 ratio (transitional) of 17.1 per cent RBI's CET 1 ratio amounted to 17.1 per cent at the end of 2024. In the event of deconsolidation of the Russian business at this point in time without consideration, i.e. at a price-to-book ratio of 0, the CET 1 ratio would still have been 15.1 per cent. "Due to our good capitalization, we would like to propose to our shareholders a dividend of 1.10 euros per share for 2024," said Strobl. Outlook The following guidance refers to RBI excluding Russia. · In 2025, net interest income is expected around 4.15 billion euros and net fee and commission income around 1.95 billion euros. · RBI expects loans to customers to grow by 6 to 7 per cent. · RBI expects general administrative expenses around 3.45 billion euros, resulting in a cost/income ratio of around 52.5 per cent. · The provisioning ratio – before use of overlays – is expected to be up to 50 basis points. · The consolidated return on equity is expected to be around 10 per cent in 2025. · At year-end 2025, RBI expects a CET1 ratio of around 15.2 per cent*. · In the medium term, RBI aims to achieve a consolidated return on equity of at least 13 per cent excluding Russia and excluding provisions and legal cost for foreign currency loans in Poland. · Any decision on dividends will be based on the capital position of the group excluding Russia. * assuming a ‘P/B Zero‘ Russia deconsolidation scenario https://www.rbinternational.com

- EBRD credit line of €5 million blended with EU funded investment incentives for MSMEs in Kosovo - At least one-third of the projects to support investments in agribusiness sector - 25 per cent of the beneficiaries to be women-led MSMEs The European Bank for Reconstruction and Development (EBRD) is scaling up green economy investments in Kosovo in cooperation with the European Union (EU) and Raiffeisen Bank Kosovo. The EBRD will provide financing of up to €5 million to Raiffeisen Bank in Kosova for on-lending to micro, small and medium-sized enterprises under the SME Go Green programme, launched with the support of the EU. The funds are fully dedicated to green economy investments, including energy efficiency, resource efficiency and renewable energy investments, expected to contribute to the reduction of greenhouse gases emissions in the country. Local businesses will have the opportunity to apply for financing to invest in industrial premises, equipment, software, electric vehicles or renewable energy measures. At least one-third of the EBRD loan to Raiffeisen Bank in Kosova will be dedicated to the investments within agribusiness value chain. Twenty-five per cent of the financing will go to women-led MSMEs. On successful completion of their investment projects, MSMEs will be eligible for a cashback grant of 10 per cent of the loan amount, or 15 per cent for investments in renewable energy and the agribusiness value chain. EBRD Head of Kosovo Maslichenko said: “We are proud to continue our support for MSMEs in Kosovo, a vital component of the country’s economy, with various programmes tailored to their needs. This initiative is key to push forward the green transition at a granular level, helping local businesses achieve sustainability and enhance their resilience. With the EU and Raiffeisen Bank Kosovo as our partners, we are well-positioned to foster a greener private sector in the country." Raiffeisen is the largest commercial bank in Kosovo and an EBRD partner since 2019, with a proven track record with SME credit lines. Raiffeisen Bank in Kosova CEO, Ms. Anita Kovacic, said: “We're pleased to continue our longstanding partnership with the EBRD on this program empowering Kosovo’s businesses, especially women-led ones, to adopt sustainable practices. Micro and Small businesses are Kosovo's economic backbone, and we're committed to supporting their growth and sustainability.” RBKO becomes the first partner financial institution in Kosovo to benefit from the EBRD SME Go Green programme following its official country launch in September 2024. The EBRD is the largest institutional investor in Kosovo with projects in both private and public sector. The Bank has invested around €680 million through over 110 projects since starting operations in the country in 2012.

19 JULY 2024 - Yesterday marked a significant milestone for Kosovo's technological landscape with the inauguration of Raiffeisen Tech Kosovo. This new entity, established as a subsidiary of Raiffeisen Tech in Vienna, will support Raiffeisen Bank International AG network by creating IT solutions and driving technological growth. Raiffeisen Tech Kosova comprises around 100 tech professionals. Previously, they operated as part of a Competence Center within Raiffeisen Bank in Kosovo before transitioning to this new entity. The creation of Raiffeisen Tech Kosova showcases the impressive skills of Kosovo’s youth in working with international companies, while also emphasizing RBI's commitment to advancing its technological investments. Representatives of the Kosovo institutions, Raiffeisen Bank International, and Raiffeisen Bank in Kosova attended an inauguration ceremony on Thursday in Pristina. Addressing the guests, Ms. Anita Kovacic, CEO of Raiffeisen Bank in Kosovo, described the establishment of Raiffeisen Tech Kosovo as an important moment for both Raiffeisen and Kosovo. "This is a great opportunity for local talents to shine on a global stage,” Ms. Kovacic said. Minister of Industry, Entrepreneurship, and Trade, Ms. Rozeta Hajdari, said the Government of Kosovo is developing a sustainable governance system for research, development, and innovation. She noted that through its policies and instruments for fostering innovation and entrepreneurship, the government is expanding opportunities and financial support for Kosovo's talented youth, who are viewed as a crucial resource for socio-economic development and overall transformation in our country. The Governor of the Central Bank, Mr. Ahmet Ismaili, said that digital financial services and fintech are enhancing access to finance, in line with the Central Bank's commitment to regulatory and technical developments. Properly addressing of cybersecurity issues, consumer protection and financial literacy remains a task that requires continued commitment. He said he was pleased to see that yesterday’s development, among others, contribute to this direction. Ms. Elisabeth Geyer-Schall, Head of RBI Group Core IT, Data, and Platforms, and Harald Schaschinger, CEO of Raiffeisen Tech, were also part of the event. Mr. Bujar Ibrahimi, General Manager of Raiffeisen Tech Kosova, and Ms. Drenusha Shehu Pula, General Manager of Operations, thanked the guests and provided a brief overview of the company.

The Supervisory Board of Raiffeisen Bank in Kosovo has appointed Mr. David Heitzinger as Chief Operations Officer/Chief Information Officer (COO/CIO) and Management Board Member effective March 1st, 2024. Mr. Heitzinger has extensive banking experience and has served as RBI AG's Head of Agile Engineering Support since 2019. Altogether, the Management Board of Raiffeisen Bank in Kosova comprises the CEO (Chairperson of the Management Board) and three additional members. Everyone at Raiffeisen Bank in Kosova congratulates Mr. Heitzinger on his new role and wishes him success!