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Addiko Bank AG (ADBKF)
OTHER OTC:ADBKF
Earnings Data
Report Date
May 13, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
1.2Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a mixed but resilient picture: Addiko delivered a positive net profit, solid loan growth (notably in consumer new business and improving SME momentum), strong asset quality improvements and very robust capital and liquidity ratios. However, significant and broad regulatory interventions across multiple markets materially pressure core revenues, fee generation and pricing, led to a suspended dividend and ongoing supervisory/ownership uncertainties that remain a major distraction. Management emphasizes mitigation initiatives (digital rollouts, product expansion, a three‑year specialization program and efficiency/AI investments) and conservative guidance for 2026–27.Company Guidance
Net Profit and Profitability
Reported net profit of EUR 44.0 million for FY 2025 (Q4: EUR 8.7m, EUR 1.0m higher vs Q4 2024). Earnings per share EUR 2.28 and return on average tangible equity 5.2% for 2025.
Strong Consumer and SME New Business Growth
Consumer new business grew 20% year‑on‑year, driving a 10% increase in the consumer loan book. SME new business returned to positive trend with an 11% year‑on‑year growth.
Loan Book Expansion and Yield
Focused loan book expanded 7% year‑on‑year with a blended yield of ~6.4% and the focus book representing 92% of the total portfolio.
Net Fee and Commission Income Growth
Net fee and commission income increased 7.6% year‑on‑year to EUR 73.0 million, supported by bancassurance, accounts/packages and card business (card/accounts growth ~13% YoY).
Asset Quality Improvements
NPE volume reduced by roughly EUR 19 million to EUR ~125.5–126 million; NPE ratio improved to 2.5% from 2.9% year‑on‑year. Coverage ratio increased to 81.7% (from 80%).
Controlled Cost Development
General administrative expenses (OpEx) increased only 1.6% to EUR 195.4 million (below inflation); cost‑income ratio at 61.7% and operating result EUR 109.8m (modestly down 2.3% YoY).
Strong Capital and Liquidity Position
Total capital (CET1) ratio 22.4% under Basel IV, up vs prior year; deposits EUR 5.3 billion, loan‑to‑deposit ratio 70%, and liquidity coverage ratio >300% at group level.
Digital & Product Execution
Launched full digital end‑to‑end lending (zero human intervention) in 3 core markets, point‑of‑sale business grew 14% YoY, mobile app upgrades (Google/Apple Pay) and two AI applications live improving operations and CX.
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 |
|---|---|---|---|
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% |
May 08, 2025 | $22.57 | $21.84 | -3.26% |
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 May 13, 2026, TBA (Confirmed).
What is Addiko Bank AG (ADBKF) earnings time?
Addiko Bank AG (ADBKF) earnings time is at May 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