Addiko Group is a Consumer and SME specialist banking group in CESEE
Addiko Group is a specialist banking group focusing on providing banking products and services to Consumer and Small and Medium-Sized Enterprises (SME) in Central, East and South-Eastern Europe (CESEE). The Group consists of Addiko Bank AG, the fully-licensed Austrian parent bank registered in Vienna, Austria, listed on the Vienna Stock Exchange and supervised by the Austrian Financial Market Authority and by the European Central Bank, as well as six subsidiary banks operating in six CESEE countries: Croatia, Slovenia, Bosnia & Herzegovina (where it operates via two banks), Serbia, Montenegro and Romania. Addiko Bank Romania is operated through Addiko Bank Slovenia via passporting. Through its six subsidiary banks, Addiko Group services approximately 0.9 million customers in CESEE using a well-dispersed network of c. 155 branches and modern digital banking channels.
Based on its strategy, Addiko Group has repositioned itself as a specialist Consumer and SME banking group with a focus on growing its Consumer and SME lending activities as well as payment services (its “focus areas”). It offers unsecured personal loan products for Consumers and working capital loans for its SME customers and is largely funded by retail deposits. The accelerated run-down of Addiko Group’s Mortgage, Public and Large Corporate lending portfolios (its “non-focus areas”) was concluded in the year 2024.
Banking products and services have been standardised, especially in the Consumer and the SME segment, to improve efficiency, provide superior customer experience and maintain asset quality via a prudent risk approach.
