Addiko Bank AG provides various banking products and services in Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany. It offers direct and online term deposit products; personal loan products; consumer finance; mortgage loans relating to real estate purchase or leveraging private real estate as collateral; public finance; working capital and investment loans, and trade finance products; daily banking services; online deposit services; and online and mobile banking services. As of December 31, 2019, the company operated through a network of 179 branches. It serves private individuals, small and medium-sized enterprises, entrepreneurs, legal entities, and public institutions. Addiko Bank AG is headquartered in Vienna, Austria.