Addiko Bank AG is a specialist banking group focusing on consumer and SME banking in Central and South-Eastern Europe. It offers services such as unsecured personal loans, working capital loans, and payment services, largely funded by retail deposits[3][4]. The bank targets private individuals, SMEs, and entrepreneurs across Croatia, Slovenia, Bosnia & Herzegovina, Serbia, and Montenegro[1][3]. Its unique selling proposition is a focus on standardized banking products for efficiency and superior customer experience, while maintaining asset quality through prudent risk management[3].