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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.
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.
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