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Addiko Bank (ADKO) investor relations material
Addiko Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net profit for the first nine months of 2025 was €35.3m, down 6.4% year-over-year, with Q3 profit at €11.3m; return on average tangible equity at 5.6% and EPS at €1.83.
Achieved record quarterly operating result of €31.2m in Q3 2025, with year-to-date operating result at €82.9m, nearly flat year-over-year.
Active customer base grew 5% year-on-year, with digital users up 7% and mobile banking users up 8% year-on-year.
Focus segments (Consumer and SME) accounted for over 91% of the gross performing loan book, with Consumer lending up 9.2% year-on-year.
Digital transformation advanced, with new digital lending platform launched in Romania.
Financial highlights
Net banking income stable at €235.6m; net interest income down 2.2% to €177.8m, net fee and commission income up 7.8% to €57.8m.
General administrative expenses increased by 1% to €144.5m, mainly due to wage and inflation pressures.
Cost/income ratio at 61.4%, up from 60.8% YoY; operating result down 0.8% year-on-year.
NIM at 3.72% YTD (down 19bps YoY); return on average tangible equity at 5.6%.
Loan-to-deposit ratio at 69%, liquidity coverage ratio at 388.9%, and CET1 ratio at 21.3% (Basel IV).
Outlook and guidance
2025 outlook maintained: loan growth >6%, NIM >3.6%, NPE ratio <3%, TCR >18.35%, OPEX <€196m, LDR <80%; mid-term targets under review due to regulatory and macroeconomic uncertainties.
Dividend policy remains at 50% payout ratio, but dividend remains suspended pending shareholder and regulatory situation.
New midterm specialization program to be launched in Q1 2026, focusing on cost optimization, digitalization, and AI-based solutions.
Detail impact of CSEE regulatory changes on revenue
How to address persistent SME segment underperformance?
Outline the new cost efficiency program for 2025
Detail mitigation for EUR 10M revenue impact
What is Romania's long-term strategic role?
How will excess capital fund future growth initiatives?
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Next Addiko Bank earnings date
Q4 20255 Mar, 2026
Next Addiko Bank earnings date
Q4 20255 Mar, 2026
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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.
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