Half Year 2025 Addiko Bank AG Earnings Call Transcript

Aug 13, 2025 / 12:00 PM GMT

Release Date Price: $27.05

Transcript

Key Points

Positve

Addiko Bank AG (ADBKF) achieved a net profit of €24 million in the first half of 2025, maintaining profitability despite a challenging environment.
The bank's consumer segment showed strong performance with a 15% year-over-year growth in new business, contributing to a 9% growth in the loan book.
Net commission income increased by 5.6% year-over-year, driven by strong sales performance and growth in bank assurance and card business.
The liquidity coverage ratio remains robust at over 400%, and the capital position is strong with a 21.3% total capital ratio under Basel 4 regulations.
Addiko Bank AG (ADBKF) successfully launched end-to-end digital lending in four core markets, enhancing customer experience and operational efficiency.

Negative

Net interest income decreased by 2.4% year-over-year due to a lower interest rate environment, impacting income from variable loan portfolios and national bank deposits.
The SME loan book declined by 3% year-over-year, primarily due to aggressive competition and early loan repayments.
General administrative expenses rose to €97.4 million, driven by wage increases and extraordinary advisory costs.
The cost-income ratio increased to 62.8%, reflecting higher operational costs.
Regulatory changes in Croatia, such as limitations on the maximum debt-to-income ratio, are expected to impact revenue generation in the consumer segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ADKO.VI - Addiko Bank AG
Half Year 2025 Addiko Bank AG Earnings Call
Aug 13, 2025 / 12:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon ladies and gentlemen.

I would like to welcome you to the presentation of the Half yearear Results 2025 of Adio Bank on behalf of my colleagues, Sara, Ganesh, ETA, and.

We have prepared the following agenda for you.

I will start with the highlights of the first half year and the adjusted outlook for 2025.

Then I will pass on to Garnish, who will update you on the achievements within our core business.

Afterwards, ETA will provide you with more insights on our financial performance and today will give, will inform you about the development in the risk area.

At the end, I will give you an update on our Romanian project and finally do a short wrap up before we move on to

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