An economic environment still marked by uncertainty

In 2025, political tensions and geopolitical instability intensified further. Conflicts in Ukraine, the Middle East and other parts of the world, the unpredictability of US economic and trade policy, and inflationary risks heightened uncertainty in the financial markets and complicated discussions on future monetary and trade policies.

Against this backdrop, Banque Raiffeisen chose to remain “a stable bank in an unstable world”. This positioning reflects its commitment to embracing its role as a financial institution to the full, serving the real economy and society. Far more than simply managing accounts, the Bank places at the heart of its activities the development and maintenance of a long-term relationship of trust and proximity with its customers, members, partners and staff.

True to the values that guided it for over a century, it has been able to continue to grow with agility while maintaining the financial and strategic stability essential to its mission. By virtue of this responsible and sustainable approach, Banque Raiffeisen has retained the trust of its private, business and institutional clients, supporting them in their projects with tailored solutions and personalised support.

Strong growth: a 3.7% increase in deposits

The investment business continued to grow, driven by sustained momentum in both investment advice and discretionary management. Household savings and deposits also increased.

At the end of 2025, customer deposits stood at €10.7 billion, up 3.7% on the previous financial year, supported by the expansion of the depositor base, comprising both private and business clients. At the same time, the Private Banking business continued its strong momentum, with assets under management rising by 15.8% to reach €2.3 billion.

Lending activity rose by 3.4%

On the assets side of the balance sheet, customer loans amount to €8.1 billion, up 3.4%. This growth was driven in particular by the recovery in primary residence mortgage, particularly for existing properties. This increase was accompanied by a rise of nearly 5% in outstanding balances and a higher number of applications processed.

At the same time, the Bank continued to support business customers and strengthened its commitment to local authorities and para-public entities, confirming its central role in financing the real economy.

Profit and loss account

Thanks to the strength of its business model, combined with the sustained growth of its commercial activities and rigorous management, Banque Raiffeisen recorded net banking income of €251.0 million in 2025, an increase of 2.1%, including commission income up 14.8% compared with 2024.

Operating costs rose by 9.1%, mainly due to higher staff costs and investments in the modernisation of our IT systems. In addition, the Bank paid a contribution of €4 million to the Luxembourg Deposit Guarantee Fund, calculated on the basis of deposit volumes.

The cost of risk amounted to €18 million, stable compared with 2024. The Bank has covered all identified risks and maintained a provision to address potential unidentified risks.

After deduction of tax expenses, net profit for the 2025 financial year stands at €31.1 million, an increase of 11.0%.

Regulatory capital increased by 9.4% to €915.6 million, by virtue of the allocation of profits to reserves and a contribution to the Fund for General Banking Risks. This substantial strengthening enables the Bank to support its development, underpin the growth of its activities and enhance its resilience in the face of economic uncertainties.

Dedicated teams

The 2025 results are also a consequence of the commitment of the Bank’s staff.

Banque Raiffeisen continues to invest in skills development and the quality of the working environment. With a workforce of 733 as at 31 December 2025, it provided over 25,000 hours of training during the year and continued initiatives aimed at strengthening communication and internal engagement.

A close and accessible bank

In a rapidly changing environment, Banque Raiffeisen remains committed to its approach based on local presence and personal relationships.

The Bank offers its customers a range of ways to interact, be it in-branch, remotely or via digital channels, depending on their needs.

In line with this approach, a Customer Care service was launched in early 2026, with a single telephone number (2450 1234), to simplify access to everyday services. This service is available to customers for any queries, technical support requirements or suspected cases of fraud. It is, however, not intended to replace the close relationship with their advisor, but rather to complement it.

The Bank is also continuing to improve its branch network and infrastructure, ensuring their accessibility and the quality of customer service.

Gradual digital transformation

In 2025, Banque Raiffeisen continued to develop its services, notably with the launch of Apple Pay, the introduction of the VISA Debit card and the roll-out of instant payments.

Improvements were also made to digital tools, notably R-NET and the website, to facilitate access to information and services.

These developments are part of a gradual approach aimed at meeting customer expectations while maintaining a high level of security.

A long-term commitment to sustainability and financial education

The Bank remains committed to sustainability, notably through the financing of projects with a positive impact and the development of dedicated solutions such as R-Eco loans, to support eco-friendly renovations for private individuals, and R-Eco Pro, to assist businesses in carrying out projects of an environmental or social nature, or those aimed at strengthening their governance.

It also continues to invest in financial education, with the aim of making money-related topics more accessible and understandable through educational content, partnerships and new formats, including a podcast due to be launched in 2026.

An unchanged mission in an ever-changing environment

In a constantly evolving environment, Banque Raiffeisen remains attentive to market developments and its customers’ expectations.

As a cooperative bank, it continues to prioritise a long-term approach, based on proximity, responsibility and local roots.

The 2025 results reflect a solid trajectory, while highlighting the need to remain vigilant in the face of future challenges.

NB: The figures as set out in this press release are subject to approval by the Annual General Meeting on 4 June 2026.

From left to right : Sandrine De Vuyst, Member of the Management Board, Guy Hoffmann, Chairman of the Board of Directors, Eric Peyer, Member of the Management Board, Laurent Zahles, Chairman of the Management Board and Georges Heinrich, Member of the Management Board

In an environment marked by uncertainty, Banque Raiffeisen reports an 11% increase in net profit for 2025

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