Addiko Bank Serbia Achieved Record Results and Underwent Comprehensive Business Transformation

Addiko Bank Serbia Achieved Record Results and Underwent Comprehensive Business Transformation Addiko Bank Serbia reported a net profit of 1.86 billion RSD in 2025, a 72% increase, following a comprehensive business transformation focused on simplifying processes, strengthening risk management, and enhancing digital banking. The bank successfully reduced non-performing loans from 6.4% to 4.2% and accelerated credit decision times, with 91% of retail loan applications approved automatically within 10 minutes. The credit portfolio grew by 10% to 69 billion RSD, with a strategic focus on retail and SME lending, which now constitute 93% of the total portfolio.

• Net profit reached 1.86 billion RSD, a 72% year-on-year increase.
• Non-performing loan ratio decreased from 6.4% to 4.2%.
• Expected credit loss costs reduced from 1 billion to 0.3 billion RSD.
• 91% of retail loan applications were automatically approved within an average of 10 minutes.
• Average credit approval time for SMEs was reduced to seven days.
• Net loans and receivables grew by 10% to 69 billion RSD.
• Retail and SME loans now represent 93% of the total credit portfolio.
• Total assets reached 103.8 billion RSD, with a capital adequacy ratio of 26.48%.