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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.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.
Elaborate on the SME turnaround plan in Serbia.
Structural FX waiver request to ECB: details?
Romania expansion: elaborate on fraud risks.
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Next Addiko Bank earnings date
Q3 20256 Nov, 2025
Next Addiko Bank earnings date
Q3 20256 Nov, 2025
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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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