Herbert Juranek (CEO) Edgar Flaggl (CFO) Tadej Krašovec (CRO)
Ganesh Krishnamoorthi (CMO & CIO)
Addiko Bank AG
13 May 2026
Executive Summary & Business Update
Financials & Risk Update
Outlook & Wrap-Up
Additional Materials
Earnings &
Asset Quality
- 1Q26 net profit at €10.1m, below 1Q25's €14.5m
- Return on average Tangible Equity at 4.7% (1Q25: 7.1%), earnings per share €0.52
- Operating result YoY at €20.1m (1Q25: €25.3m) influenced by net negative one-offs
- NPE volume at €132m (YE25: €126m) with NPE ratio (on-balance loans) stable at 2.6% (YE25: 2.5%), and an NPE coverage of 81.9% (YE25: 81.7%)
-
Cost of Risk on net loans at 0.2% or €6.2m (1Q25: €4.6m)
Business Development
- Continued strong growth in Consumer lending, while SME new business varies by country
- NII stable (+0.4% YoY), with growth in the consumer business and sovereign bond portfolio offsetting the lower interest rate environment
- NCI stable at €18.0m (1Q25: €18.2m)
-
Net banking income stable (+0.1% YoY) despite significantly lower rate environment
Funding, Liquidity & Capital
- Funding situation remained solid: Deposits at €5.3b, LDR at 70% and LCR >290%
-
TCR ratio at a strong 21.7% - all in CET1 (YE25: 22.4%)
ESG
- Reporting 2025: CSRD compliant reporting, based on ESRS, limited assurance audit
-
NaBeG (2026): impact of new legislature for full year 2026 report currently in evaluation, reduction of disclosure requirements expected
AGM 2026
- AGM 2026 held on 20 April 2026 with all agenda items approved
Approximately 69% of the shareholders have registered to attend the AGM (51% participated)
-
AGM extended the term of office for Supervisory Board members Dr. Kurt Pribil (for 1 year) and Frank Schwab (for 3 years)
Shareholder Structure & Dividend
In line with supervisory expectations and regulatory requirements, the dividend remains suspended, taking into account regulatory considerations related to the current shareholder structure
Despite the lifting of voting-rights restrictions for a shareholder group in early February 2025, the banking supervisory authorities continue to identify uncertainties regarding the shareholder structure. These concerns extend as far as a possible restriction of individual potential recovery measures in the event of a crisis
In the interest of the Bank, the Management Board maintains its position of not resuming dividend payments as long as the ownership structure has not been conclusively clarified and the related concerns raised by the supervisory authorities have not been resolved
Addiko Share Price & Market Segment
- Trading volumes in Addiko shares decreased significantly over the last years, and further in Q1 2026
-
Effective 1 April 2026, Addiko shares were reclassified from the Prime Market to the
Standard Market of the Vienna Stock Exchange
Voluntary public takeover offer of
RBI
- Raiffeisen Bank International AG ("RBI") announced on 8 April 2026 that it intends to submit a voluntary public takeover offer aimed at obtaining control of all Addiko shares at a price of EUR 23.05 per share (on a cum dividend basis)
The intended offer is subject to a minimum acceptance threshold of more than 75% of all issued and outstanding Addiko shares and does not constitute a delisting offer within the meaning of Section 38 paragraphs 6 to 8 of the Austrian Stock Exchange Act (Börsegesetz)
In addition, RBI plans to agree with Alta Group d.o.o. (Serbia), an Addiko shareholder, on the carve-out and sale of several Addiko subsidiaries (Serbia, Bosnia & Herzegovina, Montenegro), conditional on a successful takeover. The sale price will be at least fair market value, with closing subject to customary antitrust and regulatory approvals
Offer document: expected publication between 14 and 19 May 20261
Voluntary public takeover offer of
NLB
- Nova Ljubljanska banka d.d. ("NLB") announced on 9 April 2026 that it intends to announce a voluntary public takeover offer aimed at acquiring control over Addiko for all issued Addiko shares at a price of EUR 29.00 per share (on a cum dividend basis)
With the intended offer, NLB intends to acquire a significant majority shareholding
NLB plans to integrate Addiko's subsidiaries in overlapping markets, while assessing non-EU entities for potential divestment at least the fair market value
Offer document: expected publication between 13 and 18 May 20261
Next Steps
/Impacts
Upon publication, the offers will be made available also on the Addiko website
(https://www.addiko.com/takeover-offer/)
- Target statements: within the statutory deadlines under § 14 Takeover Act, Addiko will publish its formal statements on the offers on the same website
Takeover offers will lead to unplanned one-off costs (not reflected in guidance)
1 Source: Austrian Takeover Commission (https://www.takeover.at).
& North stars
Overarching goals
1
Business
Expansion
2
Engine & Platform (AI)
3
Competencies & People
Broaden product stack & expand ecosystem |
|
Incremental Risk-adjusted Revenue |
|
New market opportunities |
|
Market Share in New Prio Segments |
|
Decision models & Analytics |
|
Decision Quality × Speed |
|
Risk & Service excellence |
|
End-to-End Automation |
|
Efficiency & capacity |
|
Measurable Productivity Gains |
task resilience |
Skills, Training & development |
|
Critical Skills Readiness |
continuous learning |
Focus portfolio development
Gross performing loans (€m)
3,506
Total Book
3,668
3,707
3,535
YoY
+7%
3,365 3,408
Total book (gross performing loans) up YoY supported by strong volume growth in Consumer
• +7% YoY growth in focus book
New business generation up 5% YoY
SME
Medium
SME
Micro & Small SME
Consumer
3,138 3,185
2,097
2,058
1,919
1,877
1,055
1,068
1,038
1,076
273
193 210
231
Consumer up 12% YoY
SME down 5% YoY
Focus yield at 6.2% with new business yields
at 6.3% in Consumer and 4.6% in SME
Focus book at 92% of gross performing loans
Consumer book grew by 9% YoY
Total SME book up by 4% YoY
Micro & Small SME book down 2% YoY
Medium SME book up by 30% YoY
Underwriting criteria continue to be calibrated and tightened to current
New Business (YTD)
2024 1Q25 2025 1Q26
1,557
416
1,800
437
+5% YoY
environment in line with risk appetite
Prudent risk approach remains strategic anchor - balancing of demand vs. risk appetite as priority over volume growth
Business Update
Development YoY
YoY
Consumer
Solid new business growth of +13% YoY despite regulatory headwinds
Stable NCI (+1.3% YoY) absorbing the initial impact of free account implementation in Croatia
POS roll-out on track
Focus on increasing margins
New digital insurance revenue launch planned, expanding fee-income potential
SME
SME new business down 5% YoY, reflecting a highly competitive market environment
Demand mains subdued
Lower investment/higher uncertainty
Due to digitalization of invoices in Croatia
Re-entered investment loans with limited ticket size
Broadening focus on Secured Lending
Focus on mitigating revenue impact of regulatory restrictions
2026
Priorities
Assess growth opportunities in Romania
Grow BNPL & launch Croatia partnership business
Expand revenue generation capacity via fee driven new products & customer engagement
Secured SME loans to drive growth
Focus on AI to enhance business & automation
Dynamic pricing
€m, YTD
265
235
126
155
New business
(gross disbursements)
Consumer
New business yield
SME
New business yield
Focus yield1
Share of Partnerships in consumer gross disbursements
Consumer gross disbursements via partnerships
Partnerships/
Locations
416 437
+5%
+81%
26 47
-19%
+13%
1Q25 1Q26
7.2%
6.3%
-91bp
5.2%
4.6%
-57bp
6.6%
6.2%
-41bp
12%
11%
-2%
28
29
1Q25 1Q26
468/
957
493/
1,240
1 Focus yield equals the gross yield of focus segments and is calculated as regular interest income (i.e. excluding interest income on NPE, interest like income and before FTP) divided by the simple average of gross performing loans based on beginning and end of period amounts.
Consumer
Micro & Small SME
Medium SME
Executive Summary & Business Update
Financials & Risk UpdateOutlook & Wrap-Up
Additional Materials
1Q25 | 2Q25 | 3Q25 | 4Q25 | 1Q26 |
1Q25 | YoY | 76.9 | 78.1 | 80.5 81.3 77.0 |
Financial Performance 1Q26
YTD, €m
Net interest income
Net fee & commission income
59.0
77.0
-0.7
-2.5
10.1
18.0
+0.4%
-0.9%
58.7
18.2
Net interest income Net fee & commission
income
Net banking income
+0.1%
76.9
Net banking income
Net result on
financial instruments
n/m
0.5
Net result on financial instruments
Other operating result
General administrative
expenses
-4.9 | -3.7 | -33.0% | Avg. Loan | ||
-51.4 | -48.4 | +6.1% | Book2 | ||
20.1 | 25.3 | -20.6% |
Other operating result General administrative
expenses
Operating result
1
Operating result
NCI NIM NII
18.2
3.70%
58.7
3,492
19.1
3.69%
59.1
3,510
20.5
3.73%
60.0
3,529
20.7
3.76%
60.6
3,552
-13%
-3%
18.0
3.72%
59.0
3,648
Other result
Other result
Expected credit
loss expenses
Expected credit loss expenses
Tax on income
Tax on income
CIR
-1.3 | -1.8 | -28.6% |
-6.2 | -4.6 | 32.8% |
-4.3 | -42.1% | |
14.5 | -30.2% |
CoR
63.0% 62.7%
58.5%
62.6%
66.7%
Result after tax
NII up 0.4% YoY driven by higher loan volumes, despite lower interest rate environment and related competitive dynamics
NCI down by 0.9% YoY on the back of lower transaction related fees and card revenues, partially compensated by bancassurance
Other operating result mainly impacted by higher deposit insurance costs in Slovenia
General administrative expenses (OPEX) up by 6.1% mainly due to wage increases and seasonality
QTD CIR at 66.7% (+3.7pp YoY) mainly influenced by lower interest rate environment and deposit pricing market dynamics in
Serbia and Montenegro
Result after tax
1 Operating result before impairments and provisions. 2 Based on daily average.
on net loans
-0.13% -0.27% -0.31% -0.26%
-0.17%
Capital development
% CET1/TCR, YTD, RWA in €m
4,010
3,892
Addiko Group RWA
-0.08%
0.08%
-0.66%
YE25
OCI
changes
Reg. & Equity
adjustments (incl. DTA)
RWA
development
1Q26
51.5%
1,025
21.7%
22.4%
CET1/ TCR
OCI
changes
RWA
developm.
2025
Reg.& Equity adjustments (incl. DTA)
1Q26
Addiko Bank AG (Holding)
51.2%
1,030
CET1/TCR RWA
CET1 ratio stood at 21.7% (YE25: 22.4%), including audited profit after tax from the year 2025
No dividend for 2025: the distribution of dividends for the business year 2025 remains suspended in line with supervisory expectations and taking into account regulatory considerations related to the current ownership structure
OCI slightly decreased due to global volatility with the balance of fair-value reserves on debt instruments at
€-18.2m as of 1Q26 (vs. €-16.3m at YE25)
Overall RWA growth was contained at 3.0% mainly driven by loan book growth and the phase-in of regulatory effects
(incl. Art. 500a CRR), with credit risk RWA increasing by €97m
NPE volume1 & ratio development
2.9%
2.8%
€m, YTD
Quarterly NPE formation & exit
2.5%
2.6%
€m, QTD
21.7
21.4
25.7
21.7
NPE ratio
2
2Q25 3Q25 4Q25 1Q26
(on-balance loans)
NPE ratio
0.5
(GE based)3
2.0%
2.0%
1.8%
1.9%
+5%
145
138
132
126
2023 2024 2025 1Q26
Formation
12.7 | 0.4 9.3 | 0.5 8.3 | 0.3 9.3 | ||||
12.6 | 11.9 | 12.5 | 12.1 | ||||
Net change | -4.6 | -2.5 | -14.5 | +6.4 |
-10.4
-1.5
-17.5
-12.2
-14.5
-9.8
-4.5
-0.8
-11.2
-19.4
NPEs in 1Q26 slightly increased to €132m primarily driven by higher net inflow driven by smaller SME defaults as well as within the Consumer portfolio
Overall, the NPE ratio remained stable at 2.6% (on-balance loans)
Exit
-1.7
-24.1
-35.9
-30.3
-15.2
-1.9
Consumer SME Non-focus1 Include off-balance exposures. 2 Calculated as non-performing exposure divided by total credit risk bearing exposure including exposure towards National Banks (on-balance). 3 Calculated as non-performing exposure divided by total gross
exposure.
Expected credit loss expenses on financial assets
1Q26 expected credit loss expenses of €6.2m resulting in -0.17% cost of risk (on net loans):
Consumer: -0.2%
- SME: -0.3%
Non-Focus: +0.3%
The increase in risk provisions was primarily driven by lower releases in the Non-Focus segment compared to the previous year
Cost of risk trend reflects provisioning in Consumer and selected larger SME exposures, while overall credit quality remained resilient
Overall post-model adjustment remained at
€1.2m (YE25: €1.2m)
1Q26 YTD, €m, positive number for release
Impairments (negative) Releases (positive)0.8 0.1
(6.3)
(6.2)
(3.7)
(3.4)
Consumer SME Non-Focus Business
Segments
Corp.
Center
TOTAL
1Q25 | (3.8) | (2.7) | 2.0 | (4.5) | (0.1) | (4.6) |
2Q25 | (3.7) | (7.4) | 1.4 | (9.7) | 0.0 | (9.7) |
3Q25 | (7.0) | (5.9) | 1.7 | (11.2) | 0.1 | (11.1) |
4Q25 | (1.7) | (8.6) | 1.4 | (8.9) | (0.7) | (9.6) |
Expected credit loss expenses on financial assets by Credit Risk Exposure & Net loans (NL)
Ratio in %, quarterly figures not annualised (negative number represents impairment)
4Q25 1Q26
(0.07)% (0.16)%
(0.08)% (0.18)%
on NL on NL
(0.46)% (0.18)%
(0.67)% (0.26)%
on NL on NL
Focus areas Group 1Q26
QTD
Consumer
(0.15)% (0.40)% (0.32)%
(0.21)% (0.58)% (0.46)%
on NL on NL on NL
SME
(0.17)% (0.17)% (0.31)%
(0.20)% (0.19)% (0.35)%
on NL on NL on NL
1Q25
2Q25
3Q25
YTD
(0.17)%
(0.21)%
on
Net Loans
Business Segments
(0.13)%
(0.17)%
on
Net Loans
TOTAL
Executive Summary & Business Update
Financials & Risk Update
Outlook & Wrap-UpAdditional Materials
Outlook 2026 and Wrap-Up
Income & Business
Risk & Liquidity
Profitability
Outlook 2026
Unchanged
Loan Growth1NIM2
NBI2
OPEX
CoR3
>3.6%
>6%
CAGR 2025-2027
Flat
<€205m
RoATE5
Ramping up to
<80%
Currently suspended
<3%
as guiding principle
c. 4.5%
c. 1.3%
>18.82%
subject to SREP
Guidance is generally based on projections and assumptions that can vary over time due to a changing environment (such as, but not limited to, changes in
the interest rate environment, macroeconomic developments, regulatory restrictions, labour law, tax legislation and other market factors).
The guidance was prepared prior to the announcement of the two voluntary takeover offers and therefore does not include any related costs, or other related potential business impacts.
-
Global uncertainties increased significantly during the first quarter of 2026
Perspectives
Macro backdrop in the CSEE region remains broadly stable, while the ultimate impact of the Iran conflict cannot yet be reliably assessed
- Consumer demand shall remain strong, with continued momentum supporting solid growth
The SME business remains highly competitive. Even so, we are confident that targeted initiatives will allow us to create new growth opportunities
- Serbian market: pricing and liquidity remain challenging in the current environment
-
Prudent risk approach remains strategic anchor - balancing of demand vs. risk appetite as priority over volume growth
Next Steps
- 1H26 results call scheduled for 13 August 2026 at 2pm Vienna time
1 Gross performing loans. 2 Assuming an average yearly deposit facility rate of 200bp in 2026. 3 On net loans. 4 On on-balance loans (EBA). 5 Assuming an effective tax rate of ≤22% and considering a pull-to-par effect of the majority of negative fair value reserves in FVTOCI.
Executive Summary & Business Update
Financials & Risk Update
Outlook & Wrap-Up
Additional MaterialsHerbert Juranek
Chief Executive Officer
Chair of the Management Board
Edgar Flaggl
Chief Financial Officer
Member of the Management Board
Tadej Krašovec
Chief Risk Officer
Member of the Management Board
Ganesh Krishnamoorthi
Chief Market, IT & Digitalisation Officer
Member of the Management Board
Addiko since May 2021 Mandate until December 2027
Addiko since July 2012 Mandate until June 2028
Addiko since September 2016 Mandate until June 2028
Addiko since August 2020 Mandate until December 2028
Deputy Chairman of the Supervisory Board of Addiko Bank AG
Senior Partner at Q-Advisers and Q-Capital Ventures
Chief Operating Officer & member of the Management Board at Erste Group Bank AG
Head of Investor Relations & Group Corporate Development at Addiko Bank AG
Head of Group Strategy/ Corporate Development & Reporting at AI Lake
Head of Group Financial Controlling at Hypo Alpe-Adria-Bank International AG
Chief Risk & Operating Officer at Addiko Bank Slovenia
Executive director of Credit
Risk Department at NLB
Director of Risk Department at NLB
Head of Credit Portfolio Management at NLB
Interim Chief Executive Officer, responsible for Retail, Digital, IT & Marketing at Anadi Bank
CMO at easybank
General Manager Digital EU at Western Union
Head of Retail Direct & Digital Sales at GE Money Bank
Overview of Addiko Operating as one region - one bank
✓
1Q26, % of Group Assets (rounded)
Austria
(4%2)
Slovenia
(22%)
Croatia
(35%)
BiH Serbia
(19%) (16%)
Montenegro
(4%)
1Q26
~0.9m
Customers
154
Branches
€6.5b
Total Assets
63%-37%
EU vs.
EU accession asset split3
€3.7b
Loans and Advances
€5.3b
Customer Deposits
€906m
Equity
BB
Long-Term IDR issued by Fitch
✓
Fully licensed bank with HQ in Austria, focused 100% on Central and South-Eastern Europe
✓
✓
Addiko Bank AG is regulated by the Austrian Financial Market
Authority ("FMA")1 and by the European Central Bank ("ECB")
✓
✓
Pan-regional platform focused on growth in Consumer and SME lending
✓
✓
Listed on the Vienna Stock exchange on 12 July 2019 (19.5m shares)
Repositioned as a focused CSEE specialist lender
Consumer
SME
1 Finanzmarktaufsicht Österreich.
2 Includes total assets from Holding (€1,073m) and consolidation/recon. effects of (-€844).
3 EU is calculated based on sum of total assets from Slovenia, Croatia and Holding (incl. consolidation). EU accession is calculated based on sum of total assets from Bosnia & Herzegovina, Serbia and Montenegro.
9.99%
S-Quad Handels- und Beteiligungs GmbH (Austria)Gorenjska Banka (Slovenia), AIK Banka (Serbia) - AikGroup (CY) Ltd.
36.74%
9.69%
Alta Group d.o.o. (Serbia)European Bank for Reconstruction and Development (EBRD)
1.43%
5.07%
5.43%
6.73%
6.88%
9.63%
8.40%
Dr. Jelitzka + Partner (Austria)WINEGG Realitäten GmbH (Austria)
Wellington Management Group LLP (USA)
Brandes Investment Partners, L.P. (USA)
Management Board & Supervisory Board
Others *
Dr. Jelitzka + Partner conditionally sold
6.80% (major holdings from 3 April 2024)
WINEGG Realitäten conditionally sold 6.73% (major holdings from 3 April 2024)
Both conditional share purchase agreements, together with two additional conditional purchase agreements of 3.22% each, expire on 30 June 2026 (as
published in Alta Group d.o.o.'s major
holdings on 3 July 2025)
*Contains own shares acquired by Addiko Bank AG through share buybacks. The Company currently holds 212,858 own shares.
The illustration is based on the most recent Major Holdings and Directors Dealings notifications and on sources that the bank considers reliable. Holdings below 4% of the shares are presented in a summarised form. The detailed holdings of the Management and Supervisory Board are shown in the Directors Dealings section. Addiko Bank AG does not guarantee the accuracy or completeness of the text and graph.
Latest status published on https://www.addiko.com/shareholder-structure/
ESG in Addiko - It is the little things that count
Vision
Carbon footprint reduction
Committed to the good
Making ESG work through good governance
Mission
Addiko helps its employees and customers to become more climate neutral
Addiko supports social equality on
all levels
Sound principles of governance in
Addiko's DNA
Lower exposure in high-carbon sectors
Reduction of GHG emissions Electromobility
Renewable energy Green partnerships
Secure employment Working time
Work-life balance Gender equality
Training & skills development Financial literacy
Supporting communities
Corporate Culture Protection of Whistleblowers Supplier ESG risk assessment Membership in associations
16
Initiatives
Assets Liabilities and Equity
YTD 1Q26, €b YTD 1Q26, €b
✓• Liquid balance sheet
- LCR ratio: 291% (YE25: 304%)
✓• Liquid assets
€1.05b of cash (156bps on
avg.)1
€1.45b of investment
portfolio (293bps on avg.)
0.2
Other Assets
✓• Substantially de-risked asset base
- NPE ratio: 1.9% (YE25: 1.8%)
NPE ratio (on-balance loans) : 2.6% (YE25: 2.5%)
✓• Solid provision coverage
levels
81.9% NPE coverage ratio (YE25: 81.7%)
102.9% incl. collateral (YE25: 102.9%)
Cash and Investment Porfolio
Loans and Advances (customers)
6.5
2.5
3.7
6.5
Other Liabilities Due to Credit Institutions Direct Deposits
0.9
4.8
0.3
0.0
0.5
✓• Strong deposit base
- Loan-deposit ratio (customer): 70.0% (YE25:
70.0%)
✓• Funding surplus2: c. €1.6b
Deposits Network
✓• Robust capital base
- 21.7% CET1 ratio (YE25: 22.4%)
RWA growth in 1Q26 by 3%
mainly driven by loan growth
Equity
1 based on interest bearing assets 2 Calculated as difference between deposits of customers and loans and advances to customers.
VisionWe will turn Addiko into leading CSEE specialist bank for Consumer & SME customers
We are focused and offer the best digital products to challenge universal banks
We will accelerate the bank's transformation and generate value for our shareholders
We offer better personal customer service than pure online banks
Consumer (Mid-Term)
Products
SME (Mid-Term)
New
Products
New
Products
Enhanced SME targeting through focus on data, efficiency and leveraging the unique selling proposition of fast loans
Embedded finance - Expansion to new industries with >30% of new business with higher interest rates & cross selling
Building SME ecosystems of
new products
Focus on less capital-intensive new products (packages, cards) driving fees
Distribution
POS /
Partnership
Smart Targeting
Fastest lending solutions also available online to increase online channel distribution to 70%
E2E digital lending replacing 10-20% branch business adding
convenience to digital customer
Digital
E2E Digital Lending
E2E Digital Lending
Better mobile banking application offering engaging propositions tailored to diverse SME products
Better engaging mobile banking / cash-in & payment solutions driving better share of wallet
Platform
M-Banking App
M-Banking App
Operational Excellence
Best-in-class Risk Management
Gross performing loans in focus segments
Gross loans of focus segments as % of total gross performing loans
Gross yield by segment1
1Q26 YTD
Full year 2025
yield
7.2%
% in focus
(stock)
40%
2016
65%
51% | 56% | 62% |
2017 | 2018 | 2019 |
2020 74%
2021
5.2%
Consumer | 7,0% | ||
SME | 5,0% | ||
Mortgages | 4,0% |
82%
2022
87%
2023
89%
4.0%
2024
92%
2025 & 1Q26
5.0%
95%
% change of gross performing loans in focus vs. previous period
Large Corporates & Public
4,3%
Focus portfolio remained at 92% in 1Q26
Focus yield at 6.19% in 1Q26 (-42bp YoY) - also impacted by regulatory changes in consumer business, i.e. regulatory interest rate cap in Serbia (maximum of 7.5%)
1 The gross yield is calculated as regular interest income (i.e. excluding interest income on NPE, interest like income and before FTP) divided by the simple average of gross performing loans based on beginning and end of period amounts.
Consumer (Micro shifted to SME as of 1Q21)
€m, YTD
SME
€m, YTD
2,015 2,058 2,097
1,877 1,919 1,962
1,706
1,535
1,342 1,312 1,389
2019 2020 2021 2022 2023 2024 1Q25 1H25 3Q25 YE25 1Q26
1,018
851
748
637
612
707
501
491
340
235
265
Gross Performing Loans
1,310 1,261 1,266 1,286 1,279 1,307 1,311
1,059 1,040 1,057 | ||||||||||
2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 1Q25 | 1H25 | 3Q25 | YE25 | 1Q26 |
710 | 815 | 706 | 782 | |||||||
627 | 566 | 570 | ||||||||
457 | 389 | |||||||||
181 | 173 | |||||||||
1,188
New Business Volume (YTD)
2019 2020 2021 2022 2023 2024 1Q25 1H25 3Q25 YE25 1Q26
2019 2020 2021 2022 2023 2024 1Q25 1H25 3Q25 YE25 1Q26
Gross performing loans up 4% YoY
New business down 5% YoY due to currently muted demand, especially in Micro- and Small SME
Gross performing loans up 9% YoY
New business up by 12% YoY
New business during 1Q26
€m
103
89
86
91
93
91
100
73 73
76
85
80
74
85
84
1Q26YTD: 265
Consumer
0
0
0
0
0
0
0
0
0
Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec.
61
71 74
80
77
77
64
63
62
69
67
49 47
52
42
1Q26YTD: 173
SME
0
0
0
0
0
0
0
0
0
Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec.
2025 2026
Digital capabilities
+16% YoY
372
YTD
373
378
323
329
301
273
246
210
+15% YoY
188
258
230
291
367
322
314
Registered Mobile Banking Users (ths.)
Digital Users (ths.)
2020 2021 2022 2023 2024 1Q25 2025 1Q26
Key financials P&L
in €m
1Q26 (QTD)
+/- PQ
4Q25 (QTD)
YTD QTD
1Q26 (YTD) | 1Q25 (YTD) | +/- PY |
Net interest income 59.0 58.7 0.4% 59.0 60.6 -2.7%
Net fee and commission income 18.0 18.2 -0.9% 18.0 20.7 -12.8%
Net banking income 77.0 76.9 0.1% 77.0 81.3 -5.3%
Net result on financial instruments -0.7 0.5 n/m -0.7 0.5 n/m
Other operating result -4.9 -3.7 -33.0% -4.9 -4.0 -23.2%
Operating income 71.5 73.7 -3.0% 71.5 77.8 -8.1%
General administrative expenses -51.4 -48.4 -6.1% -51.4 -50.9 -1.0%
1 Operating result 20.1 25.3 -20.6% 20.1 26.9 -25.4%
Other result1
Expected credit loss expenses 2
-1.3 -1.8 28.6% -1.3 -4.0 68.6%
-6.2 -4.6 -32.8% -6.2 -9.6 36.0%
Result before tax 12.6 18.8 -33.0% 12.6 13.2 -4.4%
Result after tax 10.1 14.5 -30.2% 10.1 8.7 16.0%
Balance Sheet
n €m 1Q26 (YTD) | 1Q25 (YTD) | +/- PY |
Total assets 6,451 6,462 -0.2% Loans and advances to customers 3,709 3,543 4.7% o/w gross performing loans 3,707 3,535 4.9% Customer deposits 5,296 5,343 -0.9% Shareholders' equity 906 858 5.5% Key Ratios | ||
1Q26 (YTD) | 1Q25 (YTD) | +/- PY (pts) |
i +/- PQ
0.5%
0.9%
1.1%
0.8%
0.8%
+/- PQ (pts)
•1 Operating result down 20.6% YoY to €20.1m:
Net interest income up 0.4% YoY, supported by strong lending volumes in Consumer and higher income from HTC bonds, partly offset by changed interest rate environment and related competitor dynamics in several markets
Net fee and commission income down 0.9%, mainly due to lower transaction and card related fees, partly compensated by higher bancassurance income
Gen. admin. expenses (OPEX) up 6.1%, driven by wage increases, seasonal effects and a €0.8m non-recurring impact from the remeasurement of share-based compensation (phantom shares) following the increase in Addiko's share price
Other result improved YoY, reflecting a
€0.4m provision release following a
favourable court decision
Result after tax of €10.1m reflects stable net banking income, higher general administrative costs and benign cost of risk
•4 CET1 ratio at 21.7%, remaining strong and well above regulatory requirements
NIM (in bps) | 372 | 370 | 2 | 0 |
Cost/income ratio | 66.7% | 63.0% | 3.8% | 5.1% |
NPE Ratio (GE based) | 1.9% | 2.1% | -0.2% | 0.1% |
NPE Ratio (on-balance loans) | 2.6% | 3.0% | -0.3% | 0.1% |
Cost of risk (net loans) | -13 | 0 | -13 | -13 |
Loan-deposit ratio (customer) | 70.0% | 66.3% | 3.7% | 0.1% |
RoATE | 4.7% | 7.1% | -2.4% | -0.5% |
CET1 ratio/ Total capital ratio 21.7% 21.7% 0.0% -0.7% | ||||
4
1 Operating result before impairments and provisions. 2 Expected credit loss expenses on financial assets.
RoATE at 4.7% (1Q25: 7.1%)
Net interest income
370bp
376bp
372bp
€m
Net fee and commission income
€m
31%
31%
34%
NIM % of
0.4%
-0.9%
NII
3.2%
-2.7%
+13.7%
-12.8%
58.7 60.6 59.0
1Q25 (QTD) 4Q25 (QTD) 1Q26 (QTD)
NII increased by 0.4% driven by strong lending growth in Consumer and higher income from HTC sovereign bonds, partly offset by lower interest rate environment
Funding costs down YoY and stable vPQ, on the back of improved deposit mix, while competitive dynamics in Serbia and Montenegro elevate costs
General administrative expenses (OPEX)
€m
18.2 20.7 18.0
1Q25 (QTD) 4Q25 (QTD) 1Q26 (QTD)
NCI down YoY due to lower transaction and card fees, partially compensated by bancassurance
Expected credit loss expenses on financial assets
€m
63%
67%
63 %
-0.13%
-0.17%
-0.26%
CIR CoR
(net loans)
+6.1%
+5.1%
+1.0%
-4.6 -9.6 -6.2
48.4 50.9 51.4
1Q25 (QTD) 4Q25 (QTD) 1Q26 (QTD)
OPEX up 6.1% YoY mainly influenced by mainly due to wage increases
The Group continues to advance its efficiency agenda under the
Specialization Program
1Q25 (QTD) 4Q25 (QTD) 1Q26 (QTD)
CoR trend reflects provisioning in Consumer and selected SME exposures,
while overall credit quality remained resilient
Overall post-model adjustment in ECL stock unchanged to YE25 at €1.2m
to reflect remaining uncertainties
Interest income by quarter1
€m
75.7
74.5
73.6
72.6
72.0
20.2
18.8
17.9
17.2
0.7
2.9
0.6
2.7
51.5
93%
52.1
94%
52.4
94%
52.4
94%
51.7
94%
1Q25
2Q25
3Q25
4Q25
1Q26
35.6
34.6
35.9
35.3
35.8
16.1
16.9
16.5
16.6
16.8
02.5
2.6
3.1
0.9
17.1
0.5
Other
Public & Large Corporates Mortgages
SME
Consumer
% of reg. interest income (i.e. excl. Other)
Lower interest income driven by lower interest rate environment and competitive dynamics leading to loan yield compression, including lower income from central bank placements, partially offset by strong volume growth in the focus segment Consumer
1 For segments only regular interest income is shown.
2 The gross yield is calculated as annualised regular interest income divided by the simple average of gross performing loans based on beginning and end of period amounts. New business yields are calculated using daily averages.
Gross yield by quarter2
1Q25
7.4%
2Q25
7.3%
3Q25
7.1%
4Q25
7.0%
1Q26
7.0%
Consumer
7.2%
new business
7.3%
new business
7.1%
new business
6.8%
new business
6.3%
new business
5.4%
5.3%
5.1%
5.1%
5.0%
SME
5.2%
new business
5.1%
new business
5.0%
new business
5.0%
new business
4.6%
new business
Public &
Large Corporates
6.2%
5.1%
4.7%
4.2%
4.3%
Mortgages
4.2%
4.1%
3.9%
3.9%
4.0%
New business yields declined further QoQ, reflecting
ongoing pricing pressure in a lower-rate environment
Premium pricing remains under pressure across all markets following broad-based repricing during last quarters
Treasury interest income by quarter
€m
20.2
18.8
17.9
17.1
17.1
Other interest income (total)
17.1
15.7
14.9
14.3
14.6
1Q25
2Q25
3Q25
4Q25
1Q26
5.1
4.0
4.6
5.4
2.1
1.2
2.3
7.1
2.0
2.9
8.2
8.3
8.0
8.3
7.2
HTC bond
Treasury: ECB rate cuts impacting income from national bank deposits
HTC&S bond portfolio: interest income from the Hold-to-Collect-and-Sell (HTC&S) bond portfolio
HTC bond portfolio: Hold-to-Collect (HTC) strategy for stable interest income generation
portfolio
HTC&S bond portfolio
Treasury
Interest income from NPEs & interest like income by quarter
€m
Interest income from NPEs
Interest-like Income
Interest like income (i.e. fees accrued over the lifetime of the loan)
Interest income from NPEs: stable due to limited NPE inflow
Interest expense by quarter Cost of funding by quarter1
€m
Treasury Deposits -
Credit
Institutions
Direct Deposits
Deposits -Network
17.0
15.5
3.5
0.8
1.9
13.6
2.8
0.7
1.7
8.4
12.0
2.2
0.7
1.7
7.5
13.0
2.2
0.6
2.1
8.1
Deposits -
1Q25
2Q25
3Q25
4Q25
1Q26
0.85%
0.78%
0.70%
0.62%
0.69%
2.93%
2.53%
2.18%
1.75%
1.86%
1.27%
1.14%
1.00%
0.89%
0.98%
Network
Direct Deposits
Group Cost of Funding2
9.9
4.2
0.7
2.2
9.3
1Q25 2Q25 3Q25 4Q25
Stable customer deposit volumes
YTD, €m
1Q26
5,343
232
390
1,115
581
5,251
350
1,106
534
233
5,226
383
1,137
497
219
5,253
390
1,135
504
5,296
260
420
1,148
459
269
3,025
3,027
2,991
2,964
3,000
1Q25
2Q25
3Q25
4Q25
1Q26
Interest expenses decreased significantly YoY, offsetting lower interest income, supported by deposit repricing and improved funding mix
QoQ interest expenses increased slightly due to higher deposit costs, reflecting local currency funding requirements in Serbia and market dynamics in Montenegro
Share of a-vista deposits 63% in 1Q26 vs. 59% in 1Q25
Other
Large Corporate & Public
SME
Direct deposits (AT/DE)
Consumer
1 Denominator based on simple average. 2 Includes customer deposit costs, costs for deposits from credit institutions and Treasury costs.
Net fee and commission income by quarter Key highlights
Net fee and commission income decreased slightly YoY (-0.9%), mainly driven by lower transaction and card fee income, bancassurance growth partially compensated the decline while accounts & packages remained stable
Core fee streams (accounts & packages, transactions, bancassurance) represent ~73% of NCI, underpinning a stable and Consumer revenue base
Consumer and SME segments generate ~97% of NCI, reflecting a stable retail-led income base
QoQ, the decrease reflects normalization following non-recurring income in 4Q25 (~€2.6m uplift from insurance partnership renegotiation)
€m
Non-Focus
and Other
Focus
Focus
Consumer
SME
By product type
1Q26 YTD, €m
Bancassurance Securities
Trade Finance
Loans
FX/DCC
2.4
13%
1.20.0 0%
7%
1.3
7%
1.0
1.5
8%
Total:
€18.5m1
7.6
41%
62.8%
37.2%
63.4%
36.6%
65.7%
34.3%
65.7%
34.3%
64.0%
36.0%
Accounts & Packages
1 Excludes €0.5m of negative contribution from "other".
Cards 6%
3.4
18%
Transactions
1
€m
Net result on financial instruments
1
-0.7
0.5
Net result on financial instruments: 1Q26 impacted by
negative FX market volatility (€-0.4m) and one-time effect
from sale of bond (€-0.3m)
1Q25
1Q26
€m 1Q26 1Q25
2 Deposit guarantee -2.8 -2.2
Higher deposit guarantee fees mainly driven by increased
2 contributions to the Slovenian DGF, fully recognised in 1Q26, whereas prior-year charges were largely booked in following
3 | Bank levies and other taxes | -1.8 | -1.7 | |||
Restructuring | 0.0 | 0.0 | ||||
Net result from derecognition of non-financial assets | 0.3 | 0.3 | ||||
Other | -0.5 | -0.1 | 3 | |||
Other operating result | -4.9 | -3.7 |
quarter
Bank levies and other taxes including €0.8m (1Q25: €0.7m)
banking levies from ECB, SRB and local banking agencies,
€0.7m (1Q25: €0.6m) special banking tax on the balance
sheet introduced in Slovenia in 2024 and €0.4m (1Q25:
€0.4m) to other tax expenses
Deposit guarantee, Bank levies and other taxes by quarter
€m
Bank levies and other taxes
Deposit guarantee
Bank levies
Bank levies and other taxes
1Q26 YTD, €m
Other tax
1Q25 2Q25 3Q25 4Q25 1Q26
and other taxes
-2.8
-2.4
-2.2
-2.0
-1.3
-1.8
-1.8
-1.7
-1.9
-1.8
Deposit guarantee
expenses
Banking levies from ECB, SRB and local banking agencies
(0.4)
Total:
€-1.8m (0.8)
(0.7)
Banking tax on balance sheet
OPEX development by quarter
€m
Other Administrative expenses
Other1
2.4
13%
2.9
16%
8.1
45%
1.2
7%
Total:
€18.0m
3.4
19%
1Q26 YTD, €m
Depreciation and Amortisation
Other Administrative Expenses
17.1
4.5
48.4 49.0
16.5
4.6
47.1
19.8
4.5
50.9
51.4
Advertising
IT
Legal & Advisory
Premises Expenses
Overall cost base increased YoY, primarily driven by wage adjustments (including government-mandated minimum wage increases), inflation-linked indexation, and a
non-recurring €0.8m impact in 1Q26 related to the remeasurement of share-based compensation (phantom shares) following the rise in Addiko's share price
Depreciation charges increased, reflecting higher
investments and capitalizations during 2025
Other administrative expenses rose, driven by
broad-based inflationary pressures across multiple cost categories
Personnel expenses/staff costs were impacted by government measures introduced in 2025 and 1Q26, as well as ongoing inflation-related wage pressure (with full-year effect in 2026), in addition to the
above-mentioned non-recurring share-based compensation effect
27.5
17.0
4.5
28.8
18.0
4.7
Personnel
Expenses
26.8
26.1
26.6
1Q25 2Q25 3Q25 4Q25 1Q26
1 Includes vehicle expenses, travel expenses, education expenses, expenses for legal form, other insurance and other.
Other result breakdown (YTD)
Net result from legal cases improved YoY: reflecting a
1 more stable litigation environment and a €0.4m provision
release following a favourable court decision
€m
1Q26 | 1Q25 | |
Net result from legal cases -1.0 -1.6 | ||
1
Impairments non-financial assets (net) 0.0 0.0
2 Provisions for operational risks: stable development YoY
Modification gains/losses -0.1 0.0
-0.2
-0.2
Provisions for operational risks
2
Other result -1.3 -1.8
Other result by quarter
€m
-1.6
-2.8
-5.2
-0.5
Development of provision stock for legal cases
€m
67.2
63.0
-5.2 -0.6
-0.2
-0.3
-3.9
-0.2
-1.0
-0.1
Provisions for operational risksModification gains/losses
Net result from legal cases
1.3 0.2
YE25 Utilisation Release Additions Unwinding 1Q26
1Q25 2Q25 3Q25 4Q25 1Q26
Detailed balance sheet overview (YTD)
2022
2023
2024
2025
€m
1Q26
Cash reserves 1,382.9 1,254.5 1,251.4 1,057.2 1,054.4
Investment Portfolio 1,084.4 1,208.1 1,479.1 1,485.4 1,463.4
Financial assets held for trading 22.8 29.5 14.4 9.8 15.8
Investment securities 1,061.6 1,178.6 1,464.7 1,475.6 1,447.6
Loans and advances 3,381.9 3,555.8 3,550.6 3,751.8 3,789.5
Loans and advances to credit institutions 89.2 66.6 44.2 75.1 80.1
Loans and advances to customers 3,292.7 3,489.2 3,506.4 3,676.6 3,709.4 Derivatives - hedge accounting - - - - -Tangible assets 61.6 57.6 55.4 59.9 71.0
Property, plant & equipment 57.3 54.3 53.1 59.0 70.2
Investment properties 4.3 3.3 2.3 0.8 0.8
Intangible assets 24.5 23.3 25.7 28.9 28.3
Tax Assets 42.4 36.8 30.8 22.0 21.8
Current tax assets 5.4 1.7 2.1 1.6 1.1
Deferred tax assets 37.0 35.1 28.6 20.4 20.7
Other assets 17.1 14.0 14.8 14.0 22.0
Non-current assets held for sale 1.6 1.3 1.0 0.5 0.5
Total assets 5,996.4 6,151.5 6,408.9 6,419.5 6,450.9
Deposits from credit institutions 128.5 106.8 77.3 74.2 43.4
Deposits from customers 4,959.6 5,032.6 5,290.0 5,252.8 5,295.5 Issued bonds, subordinated and supplementary capital - - - - -
Other financial liabilities 48.8 59.3 54.4 63.9 74.4 Financial liabilities measured at amortized cost 5,136.8 5,198.7 5,421.7 5,391.0 5,413.3 Financial liabilities at fair value through profit or loss - - - - -Financial liabilities held for trading 3.1 4.2 4.4 2.1 7.6
Derivatives - hedge accounting - - - - -
Total interest bearing liabilities 5,140.0 5,202.9 5,426.2 5,393.1 5,420.9
Provisions 83.4 99.2 94.1 81.6 76.7
Tax liabilities 0.6 4.1 5.0 3.6 2.1
Current tax liabilities 0.6 4.1 3.3 1.4 0.6
Deferred tax liabilities 0.0 0.0 1.7 2.2 1.6
Other liabilities 26.2 44.2 44.2 42.8 45.6
Liabilities included in disposal groups classified as held for sale - - - - -
Total liabilities 5,250.2 5,350.4 5,569.4 5,521.1 5,545.3
Total shareholders' equity 746.3 801.1 839.5 898.5 905.6
Total liabilities and shareholders' equity 5,996.4 6,151.5 6,408.9 6,419.5 6,450.9
Detailed income statement overview (YTD)
€m
2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | |||||||
Interest income | 195.1 | 277.0 | 311.1 | 296.5 | 75.7 | 72.0 | ||||||
Interest expense | (18.7) | (49.0) | (68.3) | (58.1) | (17.0) | (13.0) | ||||||
Net interest income | 176.4 | 228.0 | 242.9 | 238.4 | 58.7 | 59.0 | ||||||
Fee and commission income | 92.3 | 90.4 | 98.0 | 105.4 | 23.8 | 24.5 | ||||||
Fee and commission expense | (19.8) | (23.3) | (25.1) | (27.0) | (5.6) | (6.5) | ||||||
Net fee and commission income | 72.5 | 67.1 | 73.0 | 78.5 | 18.2 | 18.0 | ||||||
Net result on financial instruments | 1.9 | 0.4 | 1.2 | 1.8 | 0.5 | (0.7) | ||||||
Other operating income | 5.1 | 3.7 | 4.4 | 4.7 | 0.8 | 0.4 | ||||||
Other operating expenses | (14.3) | (16.7) | (16.7) | (18.2) | (4.5) | (5.3) | ||||||
Operating income | 241.6 | 282.5 | 304.7 | 305.2 | 73.7 | 71.5 | ||||||
Personnel expenses | (88.9) | (97.8) | (104.4) | (106.9) | (26.8) | (28.8) | ||||||
Other administrative expenses | (61.8) | (63.5) | (71.0) | (70.4) | (17.1) | (18.0) | ||||||
Depreciation and amortization | (17.4) | (17.3) | (17.0) | (18.1) | (4.5) | (4.7) | ||||||
General administrative expenses | (168.0) | (178.6) | (192.4) | (195.4) | (48.4) | (51.4) | ||||||
Other result | (27.0) | (44.7) | (15.8) | (14.6) | (1.8) | (1.3) | ||||||
Expected credit loss expenses on financial assets | (15.4) | (11.8) | (36.0) | (35.2) | (4.6) | (6.2) | ||||||
Result before tax | 31.2 | 47.4 | 60.4 | 60.1 | 18.8 | 12.6 | ||||||
Taxes on income | (5.5) | (6.3) | (15.0) | (16.0) | (4.3) | (2.5) | ||||||
Result after tax | 25.7 | 41.1 | 45.4 | 44.0 | 14.5 | 10.1 | ||||||
Balance Sheet
Key Ratios
P&L
1Q26 YTD (€m, IFRS) | Addiko Bank d.d., Zagreb | Addiko Bank d.d., Ljubljana | Addiko Bank d.d., Banja Luka | Addiko Bank a.d., Sarajevo | Addiko Bank a.d., Beograd | Addiko Bank A.D., Podgorica |
Net interest income | 19.8 | 14.1 | 6.0 | 5.6 | 9.3 | 3.0 |
Net commission income | 5.7 | 4.5 | 2.4 | 2.2 | 2.9 | 0.4 |
Other incom1e | (0.8) | (2.4) | (0.5) | (0.4) | (0.4) | (0.5) |
Operating income | 24.7 | 16.3 | 7.9 | 7.4 | 11.9 | 2.9 |
Operating expenses | (11.5) | (9.4) | (4.3) | (4.4) | (8.2) | (2.5) |
Operating Result | 13.2 | 6.9 | 3.6 | 3.0 | 3.7 | 0.4 |
Other result | (0.8) | (0.0) | (0.1) | (0.1) | (0.5) | (0.0) |
Change in credit loss expenses | (0.7) | (4.0) | (0.1) | (0.3) | (0.8) | (0.1) |
Result before tax | 11.7 | 2.8 | 3.4 | 2.6 | 2.4 | 0.3 |
Net interest margin | 346 | 399 | 420 | 343 | 401 | 487 |
Cost / income ratio | 45.0% | 50.2% | 51.6% | 55.9% | 66.7% | 74.2% |
Loan-deposit ratio | 69.0% | 86.6% | 85.9% | 60.8% | 81.5% | 91.4% |
NPE volume | 33.9 | 38.8 | 15.3 | 11.1 | 25.6 | 7.4 |
NPE ratio (CRB based) | 2.3% | 2.9% | 3.1% | 2.3% | 3.1% | 3.5% |
2 | 2.1% | 3.1% | 3.1% | 2.3% | 3.0% | 3.3% |
NPE coverage ratio (provision) | 87.0% | 81.3% | 85.2% | 80.4% | 74.6% | 83.1% |
Total assets | 2,272 | 1,445 | 582 | 676 | 1,002 | 244 |
Loans and receivables | 1,205 | 992 | 390 | 407 | 622 | 177 |
o/w gross performing loans | 1,184 | 1,000 | 392 | 336 | 620 | 175 |
Financial liabilities at amortised cost | 1,811 | 1,230 | 465 | 561 | 776 | 199 |
NPE ratio (on-balance loans)
RWA 1,149 839 419 438 527 157
Account for 58% of Group assets
Source: Company disclosure, does not include Holding and reconciliation.
1 Includes net result on financial instruments and other operating result. 2 Including exposure towards National Banks.
Non-performing loan portfolio (YTD)
NPE Volumes,
163
145
147
140
143
132
126
194
138
€m
75.4%
80.0%
80.9%
82.2%
80.8%
81.9%
81.7%
71.9%
80.9%
NPE Coverage Ratio1
(Ex-Collateral)
NPE Ratio
(on-balance loans)2
4.0%
NPE Ratio (GE based)3
3.3%
2.8%
2.9%
3.0%
2.9%
2.9%
2.5%
2.6%
1.8%
1.9%
2.0%
2.0%
2.1%
2.0%
2.0%
2.4%
2.9%
2021 2022 2023 2024 1Q25 1H25 3Q25 2025 1Q26
1 Calculated as the sum of Stage-3 ECL stock divided by total non-performing exposure. 2 Calculated as non-performing exposure divided by total credit risk bearing exposure including exposure towards National Banks (on-balance).
3 Calculated as non-performing exposure divided by total gross exposure.
Focus Non-Focus
> 90
days 61-90
days
31-60
days
< 30
days
Consumer
2,207
50
77
2,259
49
90
2,305
47
69
2,346
50
83
2,066
2,106
2,174
2,197
€m, rounded
> 90
days 61-90
days
31-60
days
< 30
days
SME
€m, rounded
47
43
46
36
36
35
32
41
1,755
1,759
1,798
1,800
1,851 1,847 1,874 1,888
€m, rounded
No overdue
No overdue
> 90
days
61-90
days
31-60
days
< 30
days
479 7
1
452 6 443 421
1
5
0 5
96%
2
No overdue
12 14 9
458 430 427 404 10
>90 days
94%
94%
96%
95%
96%
94%
95%
93%
95%
95%
97%
1 to 90 days No overdue (%)
1H25 3Q25 2025 1Q26
2.3%
2.2%
2.1%
2.1%
4.1%
4.6%
3.7%
4.2%
1H25 3Q25 2025 1Q26
2.5%
2.5%
1.9%
1.9%
2.7%
2.3%
2.1%
2.7%
1H25 3Q25 2025 1Q26
1.4%
1.4%
1.1%
1.1%
2.8%
3.3%
2.3%
2.9%
Attachments
- Original document
- Permalink
Disclaimer
Addiko Bank AG published this content on May 13, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 13, 2026 at 05:44 UTC.
Choose MarketScreener 
