Addiko Bank AG: Ruling by the Supreme Court of the Republic of Croatia regarding CHF clauses

Preliminary assessment

Vienna (pta046/01.10.2019/19:05 UTC+2) The Issuer has published an ad hoc release on 17 September 2019 regarding the Croatian Supreme Court's ruling on the nullity of foreign exchange clauses used in CHF-denominated loans.

After further assessment, the Issuer expects that loan contracts which were not converted into EUR under the Croatian Consumer Credit Act 2015 are potentially affected by the ruling and could become the subject of individual claims for restitution. Addiko is prepared to avail itself of any legal recourse against individual claims filed.

As of the date hereof the management expects a potential provision, in the high single digit million Euro range, to be reflected in the third quarter 2019 financials dependent on the further evolvement of the circumstances.

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Emitter:	Addiko Bank AG Wipplingerstraße 34 / 4.OG 1010 Wien Austria
Contact Person:	Addiko Investor Relations Team
Phone:	+43 (0) 50232 2070
E-Mail:	investor.relations@addiko.com
Website:	www.addiko.com
ISIN(s):	AT000ADDIKO0 (Share)
Stock Exchange(s):	Vienna Stock Exchange (Official Trade)