# Addiko Bank

Addiko Bank is a Bank / Wealth / Trust based in Vienna, Austria.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Vienna, Austria
- **Region:** Europe
- **Address:** Vienna, Austria
- **Founded:** 1896
- **Assets under management:** Undisclosed
- **Website:** www.addiko.com
- **LinkedIn:** https://www.linkedin.com/company/addiko-bank-ag

## Regulatory record

- **Reports private funds:** No

## About

Addiko Bank is a banking group operating in the financial services sector. It provides banking services such as personal loans, working capital loans for SMEs, and digital banking services. The group serves consumers and SMEs in Central, Eastern, and Southeastern Europe, with its headquarters in Vienna, Austria since 1896.

## Sectors

- Consumer banking
- SME banking

## Questions

### What markets does Addiko Bank operate in?

Addiko Bank operates through fully licensed subsidiary banks in Croatia, Slovenia, Bosnia and Herzegovina, Serbia, and Montenegro, with its group holding company and strategic management based in Vienna, Austria.

### What is Addiko Bank's core lending focus?

The bank concentrates on unsecured consumer lending and SME working-capital and investment loans. It moved away from large corporate and project finance to concentrate on simpler, higher-volume household and small-business credit products.

### Is Addiko Bank publicly traded?

Yes. Addiko Bank AG is listed on the Vienna Stock Exchange under the ticker ADKO, having completed its initial public offering in 2015 following the carve-out from Hypo Alpe-Adria-Bank International.

### How is Addiko Bank funded?

Addiko's funding base is primarily customer deposits gathered across its five Southeastern European markets. This deposit-led model provides a stable and low-cost funding source that matches its retail and SME loan portfolio, reducing reliance on wholesale markets.

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Last updated: 2026-07-10T19:07:03.000Z

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