What are Mission Vision & Core Values of Addiko Bank Company?

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What are the guiding principles of the Bank?

Mission and vision statements are crucial strategic foundations for any business, offering a clear sense of purpose and direction. They act as a compass, guiding all business decisions, shaping corporate identity, and fostering a cohesive organizational culture. The Bank, a prominent financial institution in Central and Southeastern Europe, uses its mission, vision, and core values to navigate the dynamic banking landscape.

With a strategic focus on SMEs and private individuals, the Bank provides various financial products, including loans, deposits, and transaction banking, emphasizing straightforward and efficient solutions. In a region where economic growth is projected to outpace the EU average in 2025, the Bank's clearly defined guiding principles are essential for sustainable growth, innovation, and maintaining a competitive edge. For a deeper understanding of its market position, consider reviewing the Bank Porter's Five Forces Analysis.

Addiko Bank's mission centers on delivering essential banking solutions with efficiency and convenience. This focus targets small and medium-sized enterprises (SMEs) and private individuals across the CSEE region. The bank emphasizes streamlined processes, such as highly automated credit approvals, which allow retail loans in minutes and SME loans within one day. Their commitment to simplicity extends to digital consumer lending, with a pilot launched in Romania in 2024 and a full rollout in Q1 2025, enabling access to credit even without a traditional bank account. This approach highlights a customer-centric and innovation-driven strategy, particularly through digital transformation, making banking accessible and easy to use. For a deeper dive into the company's foundational principles, explore the Mission, Vision & Core Values of Addiko Bank.

Mission Focus

Addiko Bank's mission is to provide straightforward banking solutions. They focus on essential products for CSEE region customers.

Target Audience

The bank primarily serves small and medium-sized enterprises (SMEs) and private individuals. This ensures tailored services for key segments.

Efficient Delivery

Addiko Bank emphasizes efficient and convenient service delivery. Their automated credit process exemplifies this commitment.

Digital Innovation

Digital consumer lending solutions were piloted in Romania in 2024. Full launch in Q1 2025 supports their digital banking vision.

Customer Centricity

The mission is customer-centric, focusing on ease of use and accessibility. This drives their strategic goals and company purpose.

Simplicity in Banking

Addiko Bank aims to deliver services in the simplest way possible. This includes providing credit without a traditional bank account.

Addiko Bank's mission is to provide straightforward banking solutions with a focus on essential products and services, delivered efficiently and conveniently to customers in the CSEE region. This mission statement clearly identifies its target customers as those in the CSEE region, specifically small and medium-sized enterprises (SMEs) and private individuals. The products and services offered include essential banking solutions such as loans, deposits, and transaction banking, with a unique value proposition centered on efficiency, convenience, and simplicity. For example, Addiko Bank's credit process is highly automated, enabling loan approvals for retail clients in minutes and for SMEs within one day, directly reflecting their commitment to efficient and straightforward solutions. Furthermore, their focus on digital consumer lending solutions, piloted in Romania in 2024 and launched in Q1 2025, exemplifies the delivery of services in the simplest way, even allowing access to credit without needing a traditional bank account. The mission is primarily customer-centric, emphasizing ease of use and accessibility, and innovation-focused, particularly through digital transformation efforts.

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Addiko Bank's vision centers on delivering straightforward banking solutions, emphasizing agility, focus, and professionalism. This approach aims to provide essential services in the simplest manner possible. The bank's strategic goals align with this vision, particularly through digital innovation and streamlined processes, aiming to disrupt traditional banking models within the CSEE region. This forward-looking perspective positions Addiko Bank for continued growth and market leadership.

Vision for Simplicity

Addiko Bank's vision for straightforward banking focuses on delivering essential services with maximum simplicity, enhancing customer experience.

Agility in Operations

The bank emphasizes agility to adapt quickly to market changes and customer needs, ensuring efficient service delivery.

Professionalism in Service

A core aspect of the vision is maintaining high professionalism, building trust and reliability with customers.

Digital Innovation Focus

The vision includes leveraging digital solutions to streamline processes and offer modern banking services.

Market Leadership Aspiration

Addiko Bank aims to achieve market leadership in the CSEE region by disrupting traditional banking models.

Customer-Centric Approach

The vision is deeply rooted in understanding and fulfilling customer needs through simplified and efficient banking.

Addiko Bank's vision is 'to provide straightforward banking. We have the agility, focus, and professionalism to offer customers the essential services, delivered in the simplest way.' This vision statement is distinctly future-oriented, emphasizing simplicity and efficiency in banking. Its scope primarily focuses on establishing market leadership within the CSEE region by disrupting traditional banking models through digital innovation and streamlined processes. The vision appears realistic yet aspirational, given the company's current trajectory and market position. In Q1 2025, the bank successfully launched a 'Fully E2E Digital Online Consumer Loan' in Romania, and mobile banking users increased by 8% year-over-year to 322,000, demonstrating tangible progress towards their digital-first vision. The CEO, Herbert Juranek, emphasized the bank's commitment to improving efficiency and taking a 'limited risk approach,' which aligns with the vision of providing essential services in the simplest way while maintaining a lean cost side. This strategic direction is further supported by analysts forecasting 13% revenue growth for FY2025, indicating a positive outlook for their focused approach. Understanding Addiko Bank's core values and strategic goals provides further insight into how the bank defines its core values and how its mission to serve customers drives its success. For more details on their operational framework, explore the Revenue Streams & Business Model of Addiko Bank.

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Addiko Bank's core values are fundamental to its operations, shaping its approach to customer service, innovation, and market presence. These values guide the bank's strategic decisions and define its unique corporate identity in the competitive financial landscape.

Customer-Centricity

Addiko Bank focuses on providing fast and simple services with added value to clients, as evidenced by its highly automated credit process for quick loan approvals. The bank has seen continuous increases in client numbers and significantly above-market average customer satisfaction, indicating strong trust and a commitment to being the best choice for consumer financing.

Digital Innovation

The bank is committed to digital innovation, with substantial investments in technology to enhance customer experience and operational efficiency. This includes piloting fully digital consumer lending solutions in Romania in 2024, with a launch in Q1 2025, and an 8% year-over-year increase in mobile banking users to 322,000, positioning Addiko Bank as a modern and dynamic financial institution.

Efficiency and Simplicity

Addiko Bank emphasizes doing fewer things very well, focusing on essential products that deliver greater value and communicating procedures in the simplest terms. This is reflected in efforts to reduce the cost-income ratio, which stood at 63% in Q1 2025, with a goal to approach 50%, creating a clear and uncluttered banking experience.

Responsible Growth and Risk Management

The bank maintains a strong focus on risk management, building resilience and ensuring security, with a stable non-performing exposure (NPE) ratio of 3.0% in Q1 2025. This prudent approach ensures business sustainability and fosters trust through financial stability and disciplined expansion, aligning with Addiko Bank's mission to serve customers responsibly.

These core values of Addiko Bank employees collectively define its unique corporate identity, focusing on a straightforward, digitally-driven, customer-centric, and responsible approach to banking. To understand how these principles influence strategic decisions, explore the Growth Strategy of Addiko Bank.

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A company's mission and vision are foundational elements that steer its strategic direction and operational priorities. They provide a clear roadmap, influencing decisions from product development to market expansion.

Addiko Bank's Mission and Vision

Addiko Bank's mission is to be a specialist Consumer and SME banking group in Central and Southeastern Europe, offering straightforward and efficient solutions. Their vision is centered on digital transformation and customer-centricity.

• Focus on Consumer and SME banking
• Emphasis on straightforward and efficient solutions
• Commitment to digital transformation
• Specialist approach in CSEE markets
• Enhancing customer experience through digital innovation

Strategic Alignment: The Acceleration Program

The bank's 'Acceleration Program,' executed from 2023 through 2024, directly reflects its mission and vision. This program targeted improvements in business growth, operational excellence, digital innovation, and risk management.

Digital Lending Pilot in Romania

A key initiative was the pilot of fully digital consumer lending solutions in Romania during 2024, with a full rollout planned for Q1 2025. This aligns with the vision of straightforward banking and digital-first solutions.

Consumer Segment Growth

The Consumer segment experienced significant growth, with a 13.1% increase by the end of 2023 and a further 9.8% rise in Q1 2025, underscoring the strategic focus on consumer lending.

Financial Performance Metrics

Addiko Bank achieved a net profit of €45.4 million in 2024, a 10.4% increase year-over-year. The Return on Average Tangible Equity (ROATE) was 7.1% in Q1 2025, and the Total Capital Ratio (TCR) stood at 21.7%, demonstrating financial strength and value generation.

Operational Efficiency Focus

The bank actively works to improve efficiency and reduce its cost-income ratio, with a stated goal to approach 50%. This focus influences daily operational decisions across departments.

Long-Term Strategy and Sustainability

Long-term plans include integrating artificial intelligence for operational streamlining and enhancing customer experience. The bank is also committed to sustainability, integrating an ESG framework into its business model over the past 18 months.

These guiding principles shape Addiko Bank's strategic decisions, from digital product launches to operational efficiency targets. Discover how these core values are understood by Owners & Shareholders of Addiko Bank.

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Enhancing Addiko Bank's mission and vision can further solidify its market position by explicitly incorporating sustainability and financial empowerment. These refinements would better reflect the bank's ongoing initiatives and align with evolving customer expectations and global trends.

Integrate Sustainability into Vision Statement

Explicitly mentioning sustainability in the vision statement, such as 'to be the leading straightforward and sustainable banking partner in CSEE,' would highlight the bank's commitment to ESG principles. This aligns with the bank's 2024 recognition for financial inclusion and literacy, underscoring its broader societal impact.

Emphasize Financial Literacy and Empowerment in Mission

Refining the mission to 'empower individuals and SMEs in the CSEE region with straightforward, efficient, and financially empowering banking solutions' would showcase the bank's dedication to client financial well-being. This builds upon initiatives like the 'Addiko SME Academy' and the 'Women's Mentoring Network,' differentiating its service beyond basic banking.

Incorporate AI and Digital Innovation into Vision

Explicitly referencing the integration of AI and advanced digital solutions in the vision statement would communicate the bank's forward-thinking approach. This reflects the CEO's emphasis on AI for streamlining operations and enhancing customer experience, positioning the bank as a technologically advanced institution.

Strengthen Focus on Customer-Centric Digital Banking

A vision that more clearly articulates a commitment to customer-centric digital banking would resonate with evolving consumer behaviors. This acknowledges the growing demand for seamless, accessible, and personalized digital financial services, a key aspect of the bank's strategic goals.

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