Q3 2025 Addiko Bank AG Earnings Call Transcript

Nov 6, 2025 / 01:00 PM GMT

Release Date Price: $26.5

Transcript

Key Points

Positve

Addiko Bank AG (WBO:ADKO) achieved a record operating performance in Q3 2025 with an operating result of EUR 31.2 million, marking the highest quarterly operating results under the new business model.
The bank reported a 17% growth in new consumer lending and a 9% growth in new SME lending, contributing to a stable net banking income.
Net commission income increased by 7.8% year-on-year, with a 12.5% increase when comparing Q3 2025 to Q3 2024.
The bank successfully reduced its non-performing exposure (NPE) volume to EUR 140 million, maintaining a stable NPE ratio of 2.9% and improving the coverage ratio to 82.2%.
Addiko Bank AG (WBO:ADKO) maintained a strong capital position with a total capital ratio of 21.3% under Basel 4 regulations, and a liquidity coverage ratio above 380% at the group level.

Negative

The bank faced significant regulatory challenges in several countries, including Croatia, Serbia, and Montenegro, which are expected to impact revenue by over EUR 10 million.
In Croatia, new regulations have led to a 30% reduction in new consumer business generation due to stricter lending criteria.
The National Bank of Serbia imposed a 300 basis point reduction in interest rates for certain income groups, affecting the majority of Addiko Bank AG (WBO:ADKO)'s customers.
The SME loan book declined by 2% year-on-year due to aggressive competitor pricing and early loan repayments.
Despite a strong consumer segment performance, the bank's net interest income decreased by 2.2% year-on-year, impacted by a lower interest rate environment and ECB rate cuts.

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

ADKO.VI - Addiko Bank AG
Q3 2025 Addiko Bank AG Earnings Call
Nov 06, 2025 / 01:00PM 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 results of the 3rd quarter 2025 of Adio Bank AG on behalf of my colleagues, Sarah Ganish, Edgar, and Tade.

Let me show you to today's agenda.

In the beginning, I will present to you the key highlights of our results.

Garnish will continue with our achievements on the business side.

After that, EDA will give you more details on our financial performance, and today we'll inform you about the developments in the risk area.

Finally, I will do a quick wrap up before we go on to Q&A.

So, let's start with a quite positive note.

I'm happy to inform you.

That in Q3 we achieved a

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