The Addiko Bank is an Austrian banking group with numerous cross-border activities in the Alps-Adriatic region. The group is active in Slovenia, Croatia, Bosnia and Herzegovina, Serbia and Montenegro. However, the bank itself did not have a banking license in Austria, which now owned by Austrian Anadi Bank, another bank that was spun off Hypo Alpe-Adria-Bank International AG. Addiko has been designated in 2020 as a Significant Institution under the criteria of European Banking Supervision, and as a consequence is directly supervised by the European Central Bank. Wikipedia