Banque Raiffeisen Reports €31.1m Profit for 2025, Up 11%

On Wednesday 15 April 2026, Banque Raiffeisen presented its annual results for 2025, reporting a net profit of €31.1 million, marking an 11% increase compared to the previous year.

In its 2025 financial results, Banque Raiffeisen reported net banking income of €251.0 million, up 2.1%, supported by sustained commercial activity and a 14.8% rise in commission income. Operating costs increased by 9.1%, notably due to higher personnel expenses and continued investment in IT systems. The bank also contributed €4 million to the Luxembourg Deposit Guarantee Fund, reflecting the volume of customer deposits.

As noted in the press release, customer deposits reached €10.7 billion at the end of 2025, representing an increase of 3.7% compared to the previous year, driven by growth in both private and professional clients. Private banking activity also increased significantly, with assets under management rising by 15.8% to €2.3 billion.

On the assets side, customer lending totalled €8.1 billion, up 3.4% year-on-year. The bank attributed this growth in part to a recovery in first-time home loans, particularly for existing properties, alongside continued support for professional clients, municipalities and para-public entities.

The cost of risk stood at €18 million in 2025, broadly stable compared to the previous year, with the bank stating that it had covered identified risks while maintaining provisions for potential future risks. Regulatory capital increased by 9.4% to €915.6 million, supported by retained earnings and allocations to reserves, strengthening the bank’s resilience in an uncertain economic environment.

Banque Raiffeisen also highlighted continued investment in its workforce, with 733 employees as of 31 December 2025, alongside more than 25,000 hours of training delivered during the year. The bank said it continues to focus on customer proximity, offering a range of interaction channels, including in-branch, remote and digital services, and recently launched a Customer Care service to improve accessibility.