Logotype for Addiko Bank AG

Addiko Bank (ADKO) investor relations material

Addiko Bank H1 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Addiko Bank AG
H1 2025 earnings summary13 Aug, 2025

Executive summary

  • Net profit for H1 2025 was €24.0m, down 5.7%–6% year-over-year, with a return on average tangible equity of 5.8% and EPS of €1.25; operating result was €51.6m, impacted by lower rates and higher costs.

  • Net banking income remained stable at €155.0m despite a 2.4% decline in net interest income, offset by a 5.6% rise in net commission income.

  • Active customer base grew 4% year-over-year; strong double-digit growth in consumer lending, while SME lending lagged due to competition and regulation.

  • Digital transformation advanced, with new digital lending processes launched in multiple countries and 36% of new business now digital.

  • Legal and regulatory risks, including Swiss franc loan litigation and new Croatian fee caps, remain key uncertainties.

Financial highlights

  • Net interest income: €117.8m, down 2.4% year-over-year; net fee and commission income: €37.3m, up 5.6% year-over-year.

  • Net banking income stable at €155.0m (-0.6% YoY); operating result at €51.6m (-4.4% YoY).

  • General administrative expenses: €97.4m, up due to wage increases; cost/income ratio at 62.8%.

  • Cost of risk at 0.4% (€14.4m), improved from €15.5m in 1H24.

  • NPE volume at €143m, NPE ratio stable at 2.9%, coverage at 80.8%.

Outlook and guidance

  • 2025 outlook adjusted: loan growth CAGR >6% (was >7%), NIM >3.6%, flat net banking income, ROATE >4.5% (was ~6%).

  • OPEX capped at <€196m, LDR <80%, TCR >18.35%, NPE ratio <3% as guiding principle.

  • Dividend payout remains suspended per ECB guidance; DPS target ~50% of net profit when resumed.

  • 2026 guidance under review, to be updated with year-end results.

  • Regulatory changes in Croatia and lower rates expected to impact 2026 profitability.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Addiko Bank earnings date

Logotype for Addiko Bank AG
Q3 20256 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Addiko Bank earnings date

Logotype for Addiko Bank AG
Q3 20256 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Addiko Bank AG is an Austria-based financial institution that specializes in serving consumers and small to medium-sized enterprises (SMEs) across Central and South-Eastern Europe (CSEE). The bank's operations are divided into several key segments, including retail banking, which encompasses accounts, transactions, consumer, and mortgage lending; SME banking, providing customizable products and advisory services; and large corporate banking, offering financing products and services. Additionally, Addiko Bank AG serves public institutions with deposit products, lending products, and a range of complementary services like domestic and foreign payments, insurance, treasury, and trade finance products. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage