Addiko Bank AG (ADKO) - Net Assets
Based on the latest financial reports, Addiko Bank AG (ADKO) has net assets worth €872.90 Million EUR (≈ $1.02 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€6.39 Billion ≈ $7.47 Billion USD) and total liabilities (€5.52 Billion ≈ $6.45 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €872.90 Million |
| % of Total Assets | 13.66% |
| Annual Growth Rate | -0.08% |
| 5-Year Change | -1.43% |
| 10-Year Change | N/A |
| Growth Volatility | 4.86 |
Addiko Bank AG - Net Assets Trend (2017–2024)
This chart illustrates how Addiko Bank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Addiko Bank AG (2017–2024)
The table below shows the annual net assets of Addiko Bank AG from 2017 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €839.50 Million ≈ $981.46 Million |
+4.79% |
| 2023-12-31 | €801.10 Million ≈ $936.57 Million |
+7.36% |
| 2022-12-31 | €746.20 Million ≈ $872.39 Million |
-7.32% |
| 2021-12-31 | €805.10 Million ≈ $941.25 Million |
-5.47% |
| 2020-12-31 | €851.70 Million ≈ $995.73 Million |
-1.11% |
| 2019-12-31 | €861.30 Million ≈ $1.01 Billion |
+0.21% |
| 2018-12-31 | €859.50 Million ≈ $1.00 Billion |
+1.82% |
| 2017-12-31 | €844.10 Million ≈ $986.84 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Addiko Bank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 50.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €446.10 Million | 53.14% |
| Other Components | €393.40 Million | 46.86% |
| Total Equity | €839.50 Million | 100.00% |
Addiko Bank AG Competitors by Market Cap
The table below lists competitors of Addiko Bank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
BlackRock Health Sciences Trust
NYSE:BME
|
$505.59 Million |
|
Zhejiang Aokang Shoes Co Ltd
SHG:603001
|
$505.79 Million |
|
Websol Energy System Limited
NSE:WEBELSOLAR
|
$505.97 Million |
|
Dada Nexus Ltd
NASDAQ:DADA
|
$506.16 Million |
|
Qingdao Hi-Tech Moulds & Plastics Technology Co. Ltd.
SHE:301022
|
$505.15 Million |
|
Sumitomo Mitsui Construction Co. Ltd
F:72S
|
$505.15 Million |
|
Zhongbai Holdings Group Co Ltd
SHE:000759
|
$505.05 Million |
|
C&C Group PLC
F:GCC
|
$504.62 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Addiko Bank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 801,100,000 to 839,500,000, a change of 38,400,000 (4.8%).
- Net income of 45,400,000 contributed positively to equity growth.
- Dividend payments of 24,300,000 reduced retained earnings.
- Share repurchases of 1,200,000 reduced equity.
- Other factors increased equity by 18,500,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €45.40 Million | +5.41% |
| Dividends Paid | €24.30 Million | -2.89% |
| Share Repurchases | €1.20 Million | -0.14% |
| Other Changes | €18.50 Million | +2.2% |
| Total Change | €- | 4.79% |
Book Value vs Market Value Analysis
This analysis compares Addiko Bank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.63x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €43.29 | €27.50 | x |
| 2018-12-31 | €44.08 | €27.50 | x |
| 2019-12-31 | €44.17 | €27.50 | x |
| 2020-12-31 | €43.68 | €27.50 | x |
| 2021-12-31 | €41.29 | €27.50 | x |
| 2022-12-31 | €38.33 | €27.50 | x |
| 2023-12-31 | €41.44 | €27.50 | x |
| 2024-12-31 | €43.53 | €27.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Addiko Bank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.41%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.13%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.63x
- Recent ROE (5.41%) is above the historical average (4.62%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 4.93% | 17.46% | 0.04x | 7.68x | €-42.81 Million |
| 2018 | 12.12% | 33.44% | 0.05x | 7.16x | €18.25 Million |
| 2019 | 4.08% | 13.10% | 0.04x | 7.06x | €-51.03 Million |
| 2020 | 0.16% | 0.56% | 0.04x | 6.94x | €-83.77 Million |
| 2021 | 1.69% | 5.49% | 0.04x | 7.26x | €-66.91 Million |
| 2022 | 3.44% | 10.09% | 0.04x | 8.04x | €-48.92 Million |
| 2023 | 5.13% | 13.76% | 0.05x | 7.68x | €-39.01 Million |
| 2024 | 5.41% | 14.13% | 0.05x | 7.63x | €-38.55 Million |
Industry Comparison
This section compares Addiko Bank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,553,937,563
- Average return on equity (ROE) among peers: 10.14%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Addiko Bank AG (ADKO) | €872.90 Million | 4.93% | 6.32x | $505.32 Million |
| BAWAG Group AG (BG) | $4.73 Billion | 16.06% | 14.07x | $10.42 Billion |
| BKS Bank AG (BKS) | $1.77 Billion | 9.95% | 5.03x | $923.33 Million |
| Erste Group Bank AG (EBS) | $5.20 Billion | 4.90% | 22.29x | $38.47 Billion |
| Oberbank AG (OBS) | $2.96 Billion | 7.26% | 6.71x | $5.38 Billion |
| Raiffeisen Bank International AG (RBI) | $6.62 Billion | 12.70% | 9.98x | $13.59 Billion |
| Wiener Privatbank SE (WPB) | $34.86 Million | 9.97% | 4.37x | $53.55 Million |
About Addiko Bank AG
Addiko Bank AG provides various banking products and services in Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany. It operates through Consumer, Small and Medium-Sized Enterprises (SME), Mortgage, Large Corporates, and Public Finance segments. The company offers consumer and public finance, mortgage loans relating to real estate purchase or leveraging private re… Read more