Full Year 2025 Addiko Bank AG Earnings Call Transcript
Key Points
- Addiko Bank AG (WBO:ADKO) achieved a net profit of EUR44 million for 2025, despite challenging legislative changes.
- The bank reported a 20% growth rate in new consumer lending business and an 11% growth rate in SME new business.
- Net commission income increased by 7.6% year on year, driven by strong sales performance and strategic cooperation in the insurance business.
- The bank successfully reduced its NPE volume to EUR125.5 million, improving the NPE ratio to 2.5% from 2.9% in the previous year.
- Addiko Bank AG (WBO:ADKO) maintained a strong capital position with a CET1 ratio of 22.4% under Basel IV regulations.
- Regulatory interventions in several markets, including Croatia and Serbia, negatively impacted core revenues.
- The bank's operating result decreased to EUR109.8 million from EUR112.3 million in 2024.
- The dividend distribution for 2025 remains suspended due to regulatory considerations related to the shareholder structure.
- The conversion rates in the Romanian market were below expectations, prompting a refinement of the marketing approach.
- The bank's shares will be reclassified from the prime market to the standard market due to low trading volumes and liquidity.
Ladies and gentlemen, welcome to the publication of the consolidated annual report 2025 conference call. I'm Lorenzo, the Chorus Call operator. (Operator Instructions) The conference is being recorded. (Operator Instructions) The conference must not be recorded for publication or broadcast. At this time, it's my pleasure to hand over to Herbert Juranek, CEO.
Please go ahead, sir.
Good afternoon, ladies and gentlemen. Let me welcome you to the presentation of the results of the business year '25 of Addiko Bank on behalf of my colleagues, Ganesh, Tadej, Edgar and Stefan. We have prepared the following agenda for you. I will start with the key highlights and the related achievements of '25. After that, I will pass on to Ganesh, who will update you on our results on the business side.
In the second chapter, Edgar will share insights into our financial performance, while Tadej will outline the progress made in the risk area. At the end, I will present to you the cornerstones of our new
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