Addiko Bank AG (ADBKF)
OTHER OTC:ADBKF
Want to see ADBKF full AI Analyst Report?
Earnings Data
Report Date
Aug 13, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
1.44Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a balanced picture. Key strengths include resilient consumer-driven loan growth, stable net banking income in a lower rate environment, very low cost of risk, strong liquidity and robust capital buffers, and clear strategic initiatives (product expansion, AI and automation). Offsetting these positives are meaningful year-on-year profitability declines (net profit down ~30%; operating result down ~20.6%), rising operating costs and a higher cost-income ratio, continued SME headwinds and regulatory constraints that pressure margins, plus takeover-related uncertainty and some one-off negative items. Overall, the company shows operational resilience and solid buffers but faces near-term profitability and regulatory challenges.Company Guidance
Net Profit and Quarter-over-Quarter Improvement
Net profit of EUR 10.1 million in Q1 2026, approximately 16% above Q4 2025, demonstrating quarter-on-quarter improvement despite a tougher environment.
Resilient Consumer Growth
Consumer new business grew by more than 12% year-over-year and the consumer loan book expanded 9% YoY, with a new business yield of ~6.3%, making consumer lending the main growth engine.
Focused Loan Book Expansion
Focused loan book (core business) expanded ~7% YoY and now represents 92% of total loans, with a blended yield of ~6.2% — indicating continued execution of the specialization strategy.
Stable Net Banking Income and NII Resilience
Net banking income was kept broadly stable despite a materially lower interest rate environment; net interest income increased slightly by ~0.4% YoY, supported by higher consumer volumes and sovereign bond contributions.
Strong Asset Quality and Low Cost of Risk
NPE volume at EUR 132 million with NPE ratio stable at 2.6%; coverage ratio improved to 81.9%. Credit loss expense was EUR 6.2 million, corresponding to a low cost of risk of ~0.17% on net loans.
Robust Liquidity and Funding Position
Customer deposits of EUR 5.3 billion, loan-to-deposit ratio around 70%, and liquidity coverage ratio well above 290%, indicating ample liquidity buffers.
Strong Capital Position
Total capital ratio (all CET1) of 21.7% at quarter-end, remaining well above regulatory requirements and providing flexibility to support disciplined growth.
Progress on Strategic Initiatives
Clear execution on specialization program: expanding product set (investments, digital insurance, factoring), rollout of AI-enhanced decision models and automation, and focus on digital channels and competency building to drive future productivity and revenue diversification.
ADBKF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ADBKF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 13, 2026 | $34.29 | $32.77 | -4.43% |
Mar 05, 2026 | $30.52 | $29.77 | -2.44% |
Nov 06, 2025 | $24.40 | $24.51 | +0.45% |
Aug 13, 2025 | $26.74 | $26.48 | -0.95% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Addiko Bank AG (ADBKF) report earnings?
Addiko Bank AG (ADBKF) is schdueled to report earning on Aug 13, 2026, TBA (Confirmed).
What is Addiko Bank AG (ADBKF) earnings time?
Addiko Bank AG (ADBKF) earnings time is at Aug 13, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ADBKF EPS forecast?
Currently, no data Available