Raiffeisen Bank International

What Raiffeisen Bank International does

Raiffeisen Bank International AG is an Austrian banking group headquartered in Vienna, publicly traded on the Vienna Stock Exchange (ticker: RAIFY) with a market capitalization of approximately $17.43 billion as of April 2026 and a subsidiary network spanning 14+ Central and Eastern European markets including Austria, Czech Republic, Hungary, Romania, Slovakia, Croatia, Bulgaria, Serbia, Albania, and Slovenia. Founded in 1886, RBI operates as a relationship-driven business bank serving large corporates, financial institutions, and SMEs through a combination of physical branch networks, direct relationship management, and digital banking platforms. Core products include the myRaiffeisen corporate digital banking platform, CMIplus for cash management, Open APIs for treasury integration, RBI Payment Tracker for international payments, CM Billing Solution, Group eAccount Opening, and eSpeedTrack for trade finance, supported by an API Market Place for developer integrations.

RBI generates revenue primarily through net interest income from lending and deposit-taking across CEE markets (Q1 2025 operating result up 12% YoY with 4-5% NII improvement guided for 2026), supplemented by transaction fees from cash management, payment processing, foreign exchange, and trade finance services. The bank was recognized as Best Trade Finance Bank in Central and Eastern Europe by Global Finance magazine, serves as a leading confirming bank recognized by EBRD, and maintains an ESG Data Solution Platform covering 16 million data points across 180+ countries. RBI runs an internal generative AI assistant built on Microsoft Azure Foundry deployed to over 20,000 employees for legal and regulatory document retrieval, and participates in the Qivalis euro stablecoin consortium and European Payments Initiative (Wero wallet).

The bank is pursuing an active inorganic growth strategy with the announced EUR 591 million acquisition of Garanti BBVA Group Romania (targeted Q4 2026 close, making it the third-largest bank in Romania) and a voluntary public takeover offer for Addiko Bank AG that reached 50.72% acceptance as of June 22, 2026. Leadership transition is underway: Johann Strobl retires as CEO on July 1, 2026, succeeded by former CFO Michael Höllerer, with Kamila Mahmudova appointed CFO effective January 2026. A significant overhang is EUR 5+ billion of trapped equity in the Russian subsidiary, which cannot be repatriated due to Kremlin-mandated sale restrictions and a 35% exit tax.

Name

Raiffeisen Bank International

Legal name

Raiffeisen Bank International AG

Website

https://rbinternational.com

Company type

Public

Founded year

1886

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Raiffeisen Bank International AG is an Austrian banking group operating across 14+ Central and Eastern European markets, serving large corporates, SMEs, and financial institutions with corporate banking, trade finance, cash management, project finance, and digital banking services.

Ownership category

akta.pro rank

Product category

Corporate Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

akta.pro secondary industries

Export Credit Agencies (ECAs) & Official Export Finance (FSABAKAC), Treasury, Capital Structure & Liquidity Advisory (BPAHADAM)

Keywords

• Corporate banking services
• Trade finance solutions
• Cash management platforms
• Retail banking products
• Sustainable project finance

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Traditional banking income from interest spread on lending and deposit taking across CEE markets. Q1 2025 showed 12% YoY operating result increase with guidance for 4-5% net interest income improvement in 2026.
2. Trade Finance Services: Confirmation and issuance of trade finance instruments, local advisory support, and sustainable trade finance solutions. Recognized as Best Trade Finance Bank in CEE by Global Finance magazine.
3. Corporate Banking Fees: Fees from cash management, payment processing, foreign exchange, and digital banking services for corporate and institutional clients.
4. Project Finance: Financing of renewable energy and infrastructure projects including solar parks and battery storage systems in Bulgaria and Romania.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Raiffeisen Bank International (RBI) is a publicly traded Austrian banking group that provides corporate banking, trade finance, cash management, lending, investment banking, and retail banking products to corporate, institutional, and retail clients. It operates a network of subsidiary banks across 14+ Central and Eastern European (CEE) markets, complemented by digital banking platforms (myRaiffeisen, CMIplus), Open APIs for treasury operations, and dedicated sustainable/project finance offerings including green bonds and ESG advisory.

Product overview

Raiffeisen Bank International operates as a comprehensive banking platform serving corporate, institutional, and retail clients across Central and Eastern Europe. The product portfolio centers on the myRaiffeisen digital banking platform offering integrated access to cash management solutions (CMIplus, Cash Management Billing Solution, RBI Payment Tracker, CPS@Web), investment services (Group Prime Services, Asset Management, vc trade, Raiffeisen Zertifikate), trade finance (eSpeedTrack, Export & Trade Finance), and account services (Group eAccount Opening). The ecosystem extends through the API Market Place enabling developer access for real-time banking integrations, the Wero digital wallet via EPI partnership for instant SEPA payments, and the Qivalis euro stablecoin initiative. Supporting products include credit offerings (cashpresso, Consumer & Business Loans), card products (Debit Cards, Credit Cards), and market intelligence (Raiffeisen Research).

Differentiator

Problem solved

Functional benefit

Products and services

• myRaiffeisen Corporate Digital Banking Platform Corporate digital banking platform providing single-sign-on access to a broad range of banking services including cash management, payment tracking, and account management for corporate clients.
• CMIplus Cash Management E-Banking Digital banking platform for structured and consolidated cash management day-to-day operations, providing comprehensive treasury management capabilities for corporate clients.
• Cash Management Billing Solution Enterprise solution providing group-wide transparency of cash management and payment-related fees with consolidated billing and reporting capabilities.
• RBI Payment Tracker International payment tracking solution enabling fast, transparent, and end-to-end payment monitoring for corporate clients with real-time visibility into transaction status.
• Open APIs for Cash Management Open API technology enabling secure and reliable real-time data access for corporate treasury operations, allowing integration with client systems for automated banking workflows.
• eSpeedTrack Export Finance Platform Digital platform for efficient export credits covered by export credit agencies, creating financing solutions for exporters and importers.
• Group Prime Services Comprehensive prime brokerage and custody solutions accessible through Global Investor Gate, covering the entire range of investment banking services including brokerage and securities custody.
• Asset Management Investment management services offering a diverse selection of fund products managed according to highest sustainability standards.
• API Market Place Developer portal providing access to Raiffeisen's API ecosystem for building integrated banking solutions and accessing financial services programmatically.
• cashpresso Revolving Credit Revolving credit product with associated app and customer portal enabling payment transaction functionality including SEPA transfers, with fixed interest rates for the entire loan term.
• Consumer & Business Loans Credit facilities including fixed-rate revolving credit (cashpresso) and traditional loan products with credit scoring assessment based on income, assets, and payment history.
• Debit and Credit Cards Physical and digital debit and credit cards enabling payments at POS terminals, online, and cash withdrawals at ATMs, with contactless NFC functionality, biometric authentication, and various security features.
• Trade Finance Services Confirmation and issuance of trade finance instruments including letters of credit, guarantees, documentary credits, and sustainable trade finance solutions for corporates engaged in cross-border trade.
• Project Finance Financing of renewable energy and infrastructure projects including solar parks and battery storage systems across CEE markets such as Bulgaria and Romania.
• ESG Data Solution Platform Platform powered by AWS covering 16 million data points, 13,000 companies, and 35,000 bonds across over 180 countries for sustainable finance tracking.

Quantifiable outcome

• Trade finance leadership recognized by Global Finance magazine as Best Trade Finance Bank in CEE 2026
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability9 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core, minor and major.

• European Payments Initiative (EPI)coreStrategic or Co-development Partner · 22 June 2026RBI joined EPI as Acceptor Payment Service Provider, enabling merchants within its network to accept Wero payments - a mobile payment service launched by EPI. RBI is the first EPI scheme member headquartered outside the initial launch market. The expansion brings EPI to 18 shareholders and 50+ member institutions, strengthening Wero's reach beyond Belgium, France, and Germany to Austria.
• TemenoscoreTechnology or Integration · 10 May 2026RBI participated as design partner in Temenos Community Forum 2026, discussing core banking modernization from big-bang transformations to incremental composable approaches. As Design Partner client, RBI collaborated on development of Composable Retail Deposits and Composable Retail Lending - cloud-native, API-driven capabilities enabling progressive upgrades without disrupting core systems.
• MicrosoftcoreTechnology or Integration · 7 May 2026RBI developed an internal generative AI assistant using Microsoft Azure AI Foundry (Foundry) to help more than 20,000 employees summarize and retrieve legal, regulatory, and banking documents across multiple European markets. The solution demonstrates how organizations can scale AI while meeting jurisdiction-specific requirements in regulated banking environments.
• Swiss Stablecoin AG ConsortiumminorStrategic or Co-development Partner · 8 April 2026Swiss Raiffeisen (Raiffeisen Switzerland) joined a consortium of six Swiss banks (UBS, PostFinance, Sygnum, Zürcher Kantonalbank, BCV, and Swiss Raiffeisen) partnering with Swiss Stablecoin AG to pilot a Swiss franc-pegged stablecoin through 2026 in a controlled sandbox environment.
• VisamajorStrategic or Co-development Partner · 17 March 2026RBI joined Visa's Agentic Ready program in Europe, a testing environment for AI-driven transactions where AI agents initiate and complete secure payments on behalf of consumers. The program focuses on scalability, security, and user control using tokenization and biometric authentication.
• Qivalis ConsortiumcoreStrategic or Co-development Partner · 2 December 2025RBI joined a consortium of ten European banks (BNP Paribas, ING, UniCredit, CaixaBank, Danske Bank, KBC, SEB, DekaBank, Banca Sella, and RBI) to launch a euro-pegged stablecoin through Qivalis, an Amsterdam-based entity. The initiative targets H2 2026 launch under MiCAR regulation, applying for Electronic Money Institution license from Dutch Central Bank. The stablecoin will be backed 1:1 with at least 40% in bank deposits.
• Wise PlatformmajorTechnology or Integration · 1 December 2025RBI partnered with Wise Platform to solve critical infrastructure challenges for cross-border payments without the time and investment required for building in-house capabilities. The partnership was disclosed alongside Itaú Unibanco at Wise Connect London, representing significant infrastructure announcements for participating banks.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Erste Group Bank: Austrian banking group with the most direct overlap with RBI: corporate and retail banking across CEE (Czech Republic, Slovakia, Hungary, Romania, Croatia, Serbia), competing head-to-head in the same regional markets and similarly active in trade finance and CHF loan disputes.
• OTP Bank: Hungarian-headquartered bank with the deepest pure-play CEE footprint (Hungary, Bulgaria, Romania, Serbia, Croatia, Slovakia, Ukraine, Russia pre-exit) directly competing with RBI for CEE corporate and retail banking share.
• KBC Group: Belgian bank with significant CEE subsidiaries in Czech Republic, Slovakia, Hungary, and Bulgaria; direct overlap in CEE corporate banking, retail, and digital platforms; also a Qivalis euro stablecoin consortium partner with RBI.
• UniCredit: Italian banking group with major CEE presence (Czech Republic, Slovakia, Hungary, Romania, Bulgaria, Croatia, Slovenia, Serbia, Bosnia, Russia); competing in corporate banking, trade finance, and CHF loan litigation; also a Qivalis consortium partner.

Broad incumbents

• Intesa Sanpaolo: Italian banking group with CEE exposure via subsidiaries in Croatia, Slovenia, Hungary, Slovakia, and Bosnia; competing in similar CEE markets and named alongside RBI in Croatian CHF loan disputes.
• BNP Paribas: Largest European bank with broad product capabilities and CEE presence; founding member of the Qivalis euro stablecoin consortium with RBI; competes for large corporate and trade finance mandates across Europe.
• ING Group: Dutch banking group with operations across Europe including a wholesale banking presence in CEE; Qivalis stablecoin consortium partner with RBI; relevant for digital banking and payments competition.
• Société Générale: French banking group with significant CEE operations (Czech Republic, Romania, Russia pre-exit, Bulgaria); competing for corporate and investment banking mandates across the region.
• Commerzbank: German bank with corporate banking and trade finance capabilities across Europe; relevant comparator for CEE cross-border trade finance and mid-market corporate banking products.
• Deutsche Bank: Global incumbent with investment banking, trade finance, and cash management capabilities relevant to RBI's institutional and corporate clients operating across CEE.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/RBI_Presse
• Facebookfacebook.com/Raiffeisen-Bank-108479461500682
• LinkedInlinkedin.com/company/raiffeisen-bank-international

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds4 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments22 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisen Bank International