Q1 2026 Addiko Bank AG Earnings Call Transcript

May 13, 2026 / 12:00 PM GMT

Release Date Price: $31.36

Transcript

Key Points

Positve

Addiko Bank AG (ADBKF) achieved a net profit of EUR10.1 million in Q1 2026, which is 16% above the result of the fourth quarter of last year.
The bank's NPE ratio remained stable at 2.6%, with an improved coverage ratio of 81.9% and a low cost of risk at 0.2%.
Consumer lending showed strong growth with new business up by more than 12%, demonstrating resilience despite regulatory constraints.
The bank maintained a solid funding position with customer deposits of EUR5.3 billion and a liquidity coverage ratio well above 290%.
Addiko Bank AG (ADBKF) has implemented CSRD-compliant ESG reporting for 2025, indicating a commitment to sustainability and regulatory compliance.

Negative

Net profit for Q1 2026 was around 30% below the strong Q1 result of the previous year due to one-time effects and environmental factors.
The operating result declined by 20.6% year-on-year to EUR20.1 million, reflecting a challenging operating environment.
The dividend remained suspended due to ongoing regulatory considerations related to the current shareholder structure.
The SME segment faced challenges with a 5% decline in new business year-over-year, particularly in Slovenia and Croatia.
Operating expenses increased by 6.1% year-on-year, driven by wage increases, inflation-linked adjustments, and revaluation of share-based compensation.

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

ADKO.VI - Addiko Bank AG
Q1 2026 Addiko Bank AG Earnings Call
May 13, 2026 / 12:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, welcome to the Adeco Results Q1 2026 conference call. I'm Moritz, the chorus call operator. I would like to remind you that all participants will be in a listen-only mode and the conference is being recorded. The presentation will be followed by a question-and-answer session. You can register for questions at any time by pressing star and one on your telephone. For operator assistance, please press star and zero. The conference must not be recorded for publication or broadcast. At this time, it's my pleasure to hand over to Herbert. Please go ahead, sir.

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Unidentified_2 [2]
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