Addiko Bank
Addiko Bank is a Bosnia and Herzegovina retail and SME bank operating 73 branches through two entities (Banja Luka and Sarajevo), offering consumer loans, Mastercard cards, digital wallets, and SME financing supported by Addiko Mobile and EBank digital channels.
- Company typePrivate
- Founded2016
- HeadquartersBelgrade
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Addiko Bank does
Addiko Bank is a Bosnia and Herzegovina-based retail and SME banking group, operating through two licensed joint-stock entities — Addiko Bank a.d. Banja Luka (Republika Srpska) and Addiko Bank d.d. Sarajevo (Federation BiH) — with a network of 73 branches and 100+ ATMs serving individual consumers, small and medium enterprises, pensioners, and students. The bank offers a full-stack product portfolio including cash loans (Addiko gotovinski krediti up to 50,000 KM), the online-only Addiko mKredit, partner/BNPL financing (Addiko partner kredit), a Mastercard card suite (debit, credit, prepaid, and the multi-function Mastercard 3u1), bundled account packages, savings products, and supplementary insurance. Revenue is generated through interest income on consumer and SME loans, transaction fees, card services, and deposit-taking.
The technology stack centers on digital channels — Addiko Mobile (iOS, Android, Huawei), Addiko EBank, and the business-only Addiko Business Mobile/EBank — supported by a digital loan approval platform for legal entities built on Appian's low-code applications, and a 24/7 self-serve credit decisioning engine that issues preliminary approvals in roughly three minutes. Mastercard tokenization enables Apple Pay and Google Pay on both consumer and business cards. Distribution combines a physical branch network, in-branch and field sales teams, a contact center (+387 51 951 000), self-serve digital channels, and partnerships including EBRD-funded SME credit lines (EUR 6M in 2024 for Sarajevo, EUR 2M in 2026 for Montenegro) and the Addiko SME Akademija educational program.
The group is a subsidiary of Addiko Bank AG (Austrian holding) and traces its origin to Hypo Group Alpe Adria, which was acquired by Advent International and the EBRD in 2015 and rebranded in July 2016. Addiko Bank a.d. Banja Luka is publicly listed on the Banja Luka Stock Exchange (ticker: KRLB.R.A). As of 2026, the bank is the subject of competing takeover bids from Raiffeisen Bank International and Nova Ljubljanska Banka, with Serbian shareholder Alta Group having committed shares to RBI's offer. Management has reported 2025 as a record financial year.
Addiko Bank firmographics
Firmographics- Name
- Addiko Bank
- Legal name
- Addiko Bank a.d. Banja Luka
- Website
- https://addiko-rs.ba
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Addiko Bank is a Bosnia and Herzegovina retail and SME bank operating 73 branches through two entities (Banja Luka and Sarajevo), offering consumer loans, Mastercard cards, digital wallets, and SME financing supported by Addiko Mobile and EBank digital channels.
- Ownership category
- akta.pro rank
Addiko Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)
Keywords
Where Addiko Bank is headquartered
LocationHeadquarters
- HQ city
- Belgrade
Offices5 records
Markets served
Addiko Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income: Primary revenue from interest on loans including consumer loans, mortgage loans, SME loans, and business financing. Products include Addiko gotovinski kredit (cash loan), partner kredit, mKredit, and business credits.
- Fee and Commission Income: Fees for account management, payment processing (domestic and international), card transactions, and service charges. Published fee schedules for retail and corporate clients.
- Card Services: Revenue from Mastercard credit, debit, and prepaid cards including annual fees (though many cards advertised as no annual fee), installment programs, and transaction commissions.
- Deposit Taking: Attracting customer deposits (savings accounts, term deposits, junior savings) as funding source for lending operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Addiko paketi (Account Packages): Start, Srebrni (Silver), Zlatni (Gold) - bundled services for monthly fee |
| Unit Pricing | Monthly | Cash loans: up to 50,000 KM, fixed interest rates, repayment up to 48-84 months |
| Unit Pricing | Monthly | ID-only loan: up to 4,000 KM with 100 KM welcome bonus and partner vouchers |
| Transaction based/ take rate | Monthly | Mastercard 3u1: Credit card with up to 1,000 KM limit, 45 days deferred payment, 5% minimum monthly payment |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
Addiko Bank product offering
Product offeringCore offering
Addiko Bank provides retail and SME banking services in Bosnia and Herzegovina through two entities (Addiko Bank a.d. Banja Luka and Addiko Bank d.d. Sarajevo), operating 73+ branches and 100+ ATMs. The bank offers consumer loans, mortgages, savings accounts, payment cards (Mastercard), insurance products, and digital banking platforms including Addiko Mobile and Addiko EBank. It also provides SME financing, business accounts, and specialized credit lines supported by international development partners like EBRD.
Product overview
Addiko Bank offers a comprehensive banking platform primarily serving retail customers and small-to-medium enterprises (SMEs) in Bosnia and Herzegovina and the Western Balkans region. The product portfolio centers on Addiko Bank's core banking services including the Addiko Mobile and Addiko EBank digital banking platforms, supplemented by a full range of personal finance products (Addiko gotovinski krediti cash loans, Addiko mKredit mobile loans, Addiko partner kredit partner financing, and pensioner-specific loans), savings solutions (Addiko štednja including term deposits, junior savings, and premium savings), and insurance products. The card portfolio is anchored by Addiko Mastercard offerings (debit, credit, and prepaid cards including the Addiko Mastercard 3u1 multi-function card), with digital wallet integration through Google Pay and Apple Pay. For business clients, Addiko provides SME lending solutions, Addiko Business Mobile and EBank digital platforms, and the Addiko Business Debit Mastercard. The bank also operates Addiko SME Akademija as an educational initiative and offers specialized credit lines like the EBRD-supported 'Go Digital in the Western Balkans' program for digitalization investments. Digital services are complemented by AddikoSMS notifications, loan calculators, and comprehensive account packages (Addiko paketi) for various customer segments.
Differentiator
Problem solved
Functional benefit
Brands
- Addiko Mobile: Mobile banking application for customers
- Addiko EBank
- Addiko Business Mobile
- Addiko Business EBank
- Addiko SME Akademija
- Addiko Mastercard
- Addiko Success
- Addiko mKredit
Products and services
- Addiko gotovinski krediti (Cash Loans) Unsecured personal loans for various life occasions with flexible repayment terms up to 48-84 months, fixed interest rates, and promotional offers with no processing fees. Available to individual consumers in Bosnia and Herzegovina.
- Addiko mKredit Fully online credit product accessible 24/7 via Addiko Mobile app, enabling instant loan applications without branch visits. Targeted at individual consumers seeking quick digital credit.
- Addiko partner kredit Partner financing program for specific merchants and retailers, including home equipment, automotive, and retail partners, with buy-now-pay-later options for individual consumers.
- Addiko paketi (Account Packages) Bundled account packages (Gold, Silver, Start, Student) offering comprehensive banking services including accounts, cards, and digital banking for a single monthly fee. Targeted at individual consumers including students.
- Addiko Mastercard kartice Complete Mastercard card portfolio including debit cards, credit cards with installment options, and prepaid reloadable cards for personal and business use in Bosnia and Herzegovina.
- Addiko Mastercard 3u1 Multi-function credit card combining credit, debit, and prepaid functionality in a single card with up to 45 days interest-free period and installment options up to 24 installments. Targeted at individual consumers.
- Addiko štednja (Savings Products) Savings portfolio including Junior savings for children, term deposits, premium savings, and annuity savings with various interest rate structures for individual consumers.
- Addiko Mobile Mobile banking application for iOS, Android, and Huawei devices enabling account management, transaction execution, loan applications, and expense tracking for individual consumers.
- Addiko EBank Internet banking platform for managing accounts, payments, and financial services online via web browser for individual consumers.
- Addiko kredit za penzionere (Pensioner Loans) Specialized loan product for pensioners with fixed interest rates, promotional first installment gifts, and no salary transfer requirements. Targeted at retired individuals.
- Addiko krediti za mala i srednja preduzeća (SME Loans) Comprehensive lending solutions for small and medium enterprises including term loans, revolving credit, and documentary operations with fast approval processes (up to 1,000,000 KM). Targeted at SMEs in Bosnia and Herzegovina.
- Go Digital in the Western Balkans Credit Line EBRD-supported credit line for SME digitalization investments in Western Balkans with potential 10% cash back. Targeted at SMEs seeking digital transformation financing.
- Addiko Business Mobile Mobile banking application for business clients enabling real-time business finance management from any location. Targeted at SME and business customers.
- Addiko Business EBank Corporate internet banking platform for business account management, domestic and international payments, and treasury operations. Targeted at business clients.
- Addiko Business Debit Mastercard Business debit card providing direct access to business account funds with Mastercard acceptance worldwide. Targeted at SME and business customers.
- Osiguranje (Insurance Products) Supplementary insurance products including accident insurance, credit life insurance, and key person insurance offered through bank branches to individual and business customers.
- Addiko SME Akademija Educational program for SME representatives providing business development, leadership training, and networking opportunities across the Western Balkans region. Targeted at SME owners and managers.
Quantifiable outcome
- 3-minute preliminary credit approval
- +3 more outcomes
Companies that use Addiko Bank
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Addiko Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature4 records
Addiko Bank partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- FK Borac Banja LukacoreSports sponsorship partnership - '100 years of pride and 10 years of trust' - new 10-year sponsorship contract signed in March 2026.
- Harrisons (law firm advising EBRD)minorHarrisons legal firm advised EBRD on the EUR 2 million SME Go Digital credit line to Addiko Bank in Montenegro.
- ApplecoreApple Pay integration enabling iPhone, Apple Watch, iPad, and Mac payments for Addiko cardholders.
- GooglecoreGoogle Pay digital wallet integration for Android mobile payments.
- Narodno Pozorište Republike SrpskecoreLong-term theater sponsorship for cultural performances and events at the National Theatre of Republika Srpska.
- USAID Tourism ProjectminorAddiko Bank Banja Luka serves as partner for USAID Tourism development project in Bosnia and Herzegovina.
- AppiancoreAppian low-code platform implemented for faster and simpler digital loan approval for legal entities.
- Banski Dvor - Kulturni CentarcoreAnnual partnership for cultural center sponsorship, multiple years running as bank partner.
- Guarantor Fund of Republika SrpskacorePartnership for loan guarantee programs supporting SME lending in Republika Srpska region.
- University of Banja LukaminorCooperation agreement for student internships, practical education, and knowledge exchange programs.
- MicrosoftcoreStrategic cooperation with Microsoft for advanced customer experience through cloud and digital transformation initiatives.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
Addiko Bank competitors and assessment
Company assessmentDirect peers
- Sberbank BH d.d. Sarajevo: BiH universal bank offering retail deposits, consumer lending, and SME financing. Comparable in product mix and target segments despite different ownership history.
- Nova Banka a.d. Banja Luka: Bosnian bank headquartered in Banja Luka serving retail and SME clients primarily in Republika Srpska. Directly comparable in geographic focus (RS entity), customer segments, and SME lending products.
- Raiffeisen Bank d.d. Bosnia and Herzegovina: One of the largest banks in BiH offering retail, SME, and corporate banking services with extensive branch network. Directly comparable to Addiko in customer segments, product mix, and geographic footprint across both BiH entities.
- UniCredit Bank d.d. Mostar: Major BiH commercial bank serving retail and SME clients with similar deposit, lending, and card products. Directly comparable in market positioning, customer segments, and digital banking maturity.
- NLB Banka d.d. Sarajevo: Subsidiary of Slovenia's NLB Group operating in BiH with retail and SME banking focus. Directly comparable in product offering and target segments; particularly relevant given NLB's competing takeover bid for Addiko.
- Sparkasse Bank d.d. BiH: Member of Erste Group offering retail, SME, and corporate banking in BiH. Similar branch-based distribution model with comparable product portfolio covering loans, deposits, cards, and digital channels.
- Intesa Sanpaolo Banka d.d. BiH: Italian-owned universal bank serving retail and SME customers in BiH. Comparable in customer segmentation, lending products, and digital banking investment trajectory.
Broad incumbents
- Raiffeisen Bank International (RBI): Austrian-headquartered CEE banking group with subsidiary in BiH (Raiffeisen Bank d.d. BiH) and the current takeover bidder for Addiko. Relevant as both a peer and a potential acquirer — its BiH subsidiary directly competes with Addiko.
- NLB d.d. (Nova Ljubljanska Banka): Slovenian banking group with NLB Banka as its BiH subsidiary and a competing takeover bidder for Addiko. Broad incumbent across SEE; comparable at group level given parallel expansion strategy.
Regional players
- Halkbank a.d. Beograd: Turkish-backed regional bank with presence in Serbia and other Western Balkan markets. Comparable as a regional banking peer in the broader SEE landscape, though not directly competing in BiH.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Addiko Bank compliance and trust
Trust signalCompliance1 record
Addiko Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Addiko Bank leadership team
Management profileNumber of profiles
Profiles5 records
Addiko Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Addiko Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Addiko Bank
What does Addiko Bank do?
Addiko Bank provides retail and SME banking services in Bosnia and Herzegovina through two entities (Addiko Bank a.d. Banja Luka and Addiko Bank d.d. Sarajevo), operating 73+ branches and 100+ ATMs. The bank offers consumer loans, mortgages, savings accounts, payment cards (Mastercard), insurance products, and digital banking platforms including Addiko Mobile and Addiko EBank. It also provides SME financing, business accounts, and specialized credit lines supported by international development partners like EBRD.
Is Addiko Bank a public or private company?
Addiko Bank is a private company. It is classified as public and is currently operating.
When was Addiko Bank founded?
Addiko Bank was founded in 2016. It employs 101 to 250 people.
Where is Addiko Bank based?
Addiko Bank is headquartered in Belgrade.
How does Addiko Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income, card Services and deposit Taking.
Who are Addiko Bank's main competitors?
Direct peers on record are Sberbank BH d.d. Sarajevo, Nova Banka a.d. Banja Luka, Raiffeisen Bank d.d. Bosnia and Herzegovina, UniCredit Bank d.d. Mostar, NLB Banka d.d. Sarajevo, Sparkasse Bank d.d. BiH and Intesa Sanpaolo Banka d.d. BiH. Broad incumbents are Raiffeisen Bank International (RBI) and NLB d.d. (Nova Ljubljanska Banka). Halkbank a.d. Beograd is listed as a regional player.
Does Addiko Bank have an API?
No public API is recorded for Addiko Bank.
What industry is Addiko Bank in?
Addiko Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABABAD, SME Cash Management & Payments (Merchant, ACH/Wires, Payroll). Its NAICS code is 52211 and its SIC code is 6022.