Addiko Bank AG (ADBKF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Ladies and gentlemen, welcome to the publication of the Consolidated Annual Report 2025 conference call. I'm Lorenzo, the callers' call operator. I would like to remind you that all participants will be in listen-only mode and the conference is being recorded. The presentation will be followed by a Q&A session. You can register for questions at any time by pressing star and 1 on your telephone. For operator assistance, please press star and 0. The conference must not be recorded for publication or broadcast. At this time, it's my pleasure to hand over to Erberk Jurnalnek, CEO. Please go ahead, sir. Good afternoon, ladies and gentlemen. Let me welcome you to the presentation of the results of the business year 25 of Adico Bank on behalf of my colleagues Ganesh Tadej, Edgar, and Stefan. We have prepared the following agenda for you. I will start with the key highlights and the related achievements of 25. After that, I will pass on to Ganesh, who will update you on our results on the business side. In the second chapter, Edgar will share insights into our financial performance, while Tadej will outline the progress made in the risk area. At the end, I will present to you the cornerstones of our new midterm specialization program and our updated guidance 2026. After that, we will move on to Q&A. So let's begin with the highlights. I'm confident to inform you that despite negative influences coming from the legislative changes in several countries, we were able to close 25 with a net profit of 44 million Euro. This results includes a net profit for the fourth quarter of 25 of 8.7 million Euro, which is one million Euro higher than the result of 7.7 million Euro in the fourth quarter of 2024. Our earnings per share for 25 amount to two Euro and 28 cents. And our return on ...