Hrvatska Poštanska Banka d.d.

Interim / Quarterly Report • Jul 30, 2021

HPB Group H 1 2021 Investor information and unaudited Financial statements

Limitation of liability

• The information and data contained in this presentation are intended to be general background information on Hrvatska poštanska banka p.l.c. as the parent company of the Hrvatska poštanska banka Group (hereinafter referred to as the Bank, Group or HPB and its activities. It is supplied in summary form and therefore not necessarily complete. Certain statements contained herein may be statements of future expectations and other forward-looking statements about HPB, which are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, words such as "may", "will", "should", "expects", "plans", "contemplates", "intends", "anticipates", "believes", "estimates", "predicts", "potential", or "continue" and similar expressions typically identify forward-looking statements. By their nature, forward-looking statements involve known and unknown risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. As such, no forwardlooking statement can be guaranteed. Undue reliance should not be placed on these forward-looking statements. Many factors could cause our results of operations, financial condition, liquidity, and the development of the industries in which we compete, to differ materially from those expressed or implied by the forward-looking statements contained herein.
• This presentation contains financial and non-financial information and statistical data relating to HPB. Such information and data are presented for illustrative purposes only. This presentation may include information and data derived from publicly available sources that have not been independently verified, therefore HPB hereby expressly makes no representation of warranty of any kind, including, but not limited to the accuracy, completeness or reliability of the provided information and data. This presentation is for information purposes only and contains neither a recommendation to buy or sell nor an offer of sale or subscription to shares nor does it constitute an invitation to make an offer to sell shares.
• This presentation has been prepared and the data checked with the greatest possible care. Nonetheless, rounding, transmission, typesetting and printing errors cannot be ruled out. In the summing up of rounded amounts and percentages, rounding-off differences may occur.

Quarterly consolidated financial statements for the period 01.01.2021 - 30.06.2021, HPB Group H1 2021 Investor information and unaudited Financial statements
Hrvatska poštanska banka p.l.c., Jurišićeva 4, HR-10000 Zagreb
529900D5G4V6THXC5P79
Republic of Croatia
International Securities Identification HRHPB0RA0002
HPB-R-A
Zagreb Stock Exchage, Official market

In accordance with the Capital Markets Act, Hrvatska poštanska Banka p.l.c. (Bank), as the parent company of the Hrvatska poštanska banka Group (Group), publishes unaudited financial statements for the period from January 01 to June 30, 2021.

Original and official quarterly report is published in Croatian.

The report includes:

• Management report of HPB Group,
• Statement by persons responsible for compiling the report,
• Unaudited set of consolidated financial statements (balance sheet, profit or loss statement, statement of changes in equity, cash flow statement), and
• Notes to the consolidated financial statements.

Financial statements and notes have been compiled in accordance with instructions defined in Rulebook on format and content of interim financial reports of issuers (NN 114/2018, 27/2021).

Management report

HPB Group is, apart from the parent company – Hrvatska poštanska Banka p.l.c., HPB Invest (investment fund management) and HPB-nekretnine (real estate agency).

The HPB Group's net profit after tax is HRK 147.5 million. The Group's result relates largely to the results of the parent company, while HPB Invest made a net profit of HRK 355.2 thousand and HPB-Nekretnine a net profit of HRK 481.6 thousand.

4

Digitally signed by Marko Badurina Date: 2021.07.30 10:24:11 +02'00'

Marko Badurina Anto Mihaljević

President of the Management Board Member of the Management Board

Digitally signed by Anto Mihaljević Date: 2021.07.30 09:38:25 +02'00'

Digitally signed by Ivan Soldo Date: 2021.07.30 09:54:52 +02'00'

Ivan Soldo

Member of the Management Board

Statement by persons accountable for compiling the report of HPB p.l.c.

In accordance with the Capital Market Act, the Management Board of HPB p.l.c., the parent company of HPB Group, states that according to their best knowledge the set of consolidated unaudited financial statements for the period from January 01 to June 30, 2021, are compiled in accordance with the accounting regulation applicable to credit institutions in Croatia, presents complete and accurate view of assets and liabilities, losses and gains, financial position and results of HPB p.l.c., as well as companies included in consolidation as a whole.

On behalf of HPB p.l.c., the parent company of HPB Group:

Marko Badurina President of the Management Board Anto Mihaljević Member of the Management Board Ivan Soldo Member of the Management Board Anto Mihaljević Digitally signed by Anto Mihaljević Date: 2021.07.30 09:36:33 +02'00' Ivan Soldo Digitally signed by Ivan Soldo Date: 2021.07.30 09:54:15 +02'00' Marko Badurina Digitally signed by Marko Badurina Date: 2021.07.30 10:24:53 +02'00'

Annex 1

		ISSUER'S GENERAL DATA
Reporting period:		01/01/2021	to	30/06/2021
Year:		2021
Quarter:		2
		Quarterly financial statements
Registration number (MB):	03777928		Issuer's home Member State code:	HRVATSKA
Entity's registration number (MBS):	080010698
Personal identification number (OIB):	87939104217		LEI:	529900D5G4V6THXC5P79
Institution code:	319
	Name of the issuer: HRVATSKA POŠTANSKA BANKA, p.l.c.
Postcode and town:	10000		ZAGREB
Street and house number: JURIŠIĆEVA 4
E-mail address: hpb@hpb.hr
Web address: www.hpb.hr
Number of employees (end of the reporting period):	1317
Consolidated report:	KD	(KN-not consolidated/KD-consolidated)		KN	KD
Audited:	RN	(RN-not audited/RD-audited)		RN	RD
	Names of subsidiaries (according to IFRS):		Registered office:		MB:
HPB Invest d.o.o.		Strojarska 20, 10000 Zagreb			01972278
HPB-nekretnine d.o.o.		Amruševa 8, 10000 Zagreb			01972260
Bookkeeping firm:	No	(Yes/No)			Da Ne
Contact person: Tea Bažant				(name of the bookkeeping firm)
	(only name and surname of the contact person)
	Telephone: 014804670
	E-mail address: tea.bazant@hpb.hr
Audit firm:
Certified auditor:	(name of the audit firm)

(name and surname)

BALANCE SHEET

as at June 30, 2021
Submitter: Hrvatska poštanska banka p.l.c.			in HRK
Item	AOP code	Last day of the preceding business year	At the reporting date of the current period
1	2	3	4
Assets
Cash, cash balances at central banks and other demand deposits (from 2 to 4)	001	3,662,500,484	5,542,693,979
Cash in hand	002	900,072,987	1,181,159,587
Cash balances at central banks	003	2,224,401,393	3,696,783,619
Other demand deposits	004	538,026,104	664,750,773
Financial assets held for trading (from 6 to 9) Derivatives	005 006	719,257,423 -	720,702,428 -
Equity instruments	007	95,340,654	102,412,723
Debt securities	008	623,916,769	618,289,705
Loans and advances Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13)	009	-	-
Equity instruments	010 011	38,865,901 20,000,000	16,714,103 -
Debt securities	012	-	-
Loans and advances	013	18,865,901	16,714,103
Financial assets at fair value through profit or loss (15 + 16) Debt securities	014 015	- -	- -
Loans and advances	016	-	-
Financial assets at fair value through other comprehensive income (from 18 to 20)	017	4,158,015,469	4,383,827,026
Equity instruments	018	49,027,711	46,964,846
Debt securities Loans and advances	019 020	4,108,987,758 -	4,336,862,180 -
Financial assets at amortised cost (22 + 23)	021	16,413,935,375	16,329,546,375
Debt securities	022	1,978,784	2,856,671
Loans and advances	023	16,411,956,591	16,326,689,704
Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate risk	024 025	- -	- -
Investments in subsidiaries, joint ventures and associates	026	43	43
Tangible assets	027	326,574,638	327,249,525
Intangible assets	028	91,824,941	97,008,676
Tax assets Other assets	029 030	2,797,956 49,114,278	1,568,778 46,558,413
Fixed assets and disposal groups classified as held for sale	031	-	-
Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31)	032	25,462,886,508	27,465,869,346
Liabilities
Financial liabilities held for trading (from 34 to 38)	033	21,172	73,123
Derivatives Short positions	034 035	21,172 -	73,123 -
Deposits	036	-	-
Debt securities issued	037	-	-
Other financial liabilities Financial liabilities at fair value through profit or loss (from 40 to 42)	038 039	- -	- -
Deposits	040	-	-
Debt securities issued	041	-	-
Other financial liabilities Financial liabilities measured at amortised cost (from 44 to 46)	042	-	-
Deposits	043 044	22,680,817,227 22,561,546,458	24,231,025,260 24,115,733,830
Debt securities issued	045	-	-
Other financial liabilities	046	119,270,769	115,291,430
Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate risk	047 048	- -	- -
Provisions	049	125,688,739	375,659,266
Tax liabilities	050	25,697,310	57,221,464
Share capital repayable on demand Other liabilities	051 052	- 151,759,203	- 191,245,425
Liabilities included in disposal groups classified as held for sale	053	-	-
Total liabilities (33 + 39 + 43 + from 47 to 53)	054	22,983,983,651	24,855,224,538
Equity
Initial capital	055	1,214,775,000	1,214,775,000
Share premium	056	-	-
Equity instruments issued other than capital Other equity instruments	057 058	- -	- -
Accumulated other comprehensive income	059	264,974,555	249,203,161
Retained profit	060	204,798,039	297,151,162
Revaluation reserves Other reserves	061	-	-
( - ) Treasury shares	062 063	611,448,069 (477,000)	702,479,141 (477,000)
Profit or loss attributable to owners of the parent	064	183,384,194	147,513,344
(--) Interim dividends Minority interests [non-controlling interests]	065	-	-
Total equity (from 55 to 66)	066 067	- 2,478,902,857	- 2,610,644,808
Total equity and liabilities (54 + 67)	068	25,462,886,508	27,465,869,346

STATEMENT OF PROFIT AND LOSS

for the period January 01, 2021 to June 30, 2021

Submitter: Hrvatska poštanska banka p.l.c. in HRK

Item	AOP	Same period of the previous year		Current period
	code	Cumulative	Quarter	Cumulative	Quarter
1	2	3	4	5	6
Interest income	001	295,096,115	144,880,102	287,010,146	143,235,248
(Interest expenses)	002	27,121,785	13,203,540	18,921,614	8,927,817
(Expenses on share capital repayable on demand)	003	-	-	-	-
Dividend received
	004	2,227,280	2,026,667	1,077,695	1,077,695
Fees and commissions income	005	218,615,281	106,198,458	223,141,627	117,029,726
(Fees and commissions expenses)	006	130,913,119	63,330,615	130,055,834	67,898,061
Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net	007	35,035,565	11,165,173	169,597	75,768
Gains or (-) losses on financial assets and liabilities held for trading, net	008	7,815,497	13,232,190	27,721,428	12,960,908
Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss, net	009	200,027	97,634	29,175,562	27,815,520
	010	-	-	-	-
Gains or (-) losses on financial assets and liabilities at fair value through profit or loss, net
Gains or (-) losses from hedge accounting, net	011	-	-	-	-
Exchange rate differences [gain or (-) loss], net	012	(6,656,755)	(1,824,817)	(4,115,310)	(819,326)
Gains or (-) losses on derecognition of non-financial assets, net	013	-	-	-	-
Other operating income	014	5,758,998	3,571,207	6,174,530	3,458,925
(Other operating expenses)	015	23,533,242	13,262,514	5,706,669	3,357,426
Total operating income, net (1 – 2 – 3 + 4 + 5 – 6 + from 7 to 14 – 15)	016	376,523,862	189,549,945	415,671,158	224,651,160
(Administrative expenses)	017	189,177,146	94,664,457	196,495,423	101,557,580
(Contributions in cash rehabilitation committees and Deposit Insurance Schemes)	018	5,482,500	3,232,500	6,958,179	4,216,929
(Depreciation)	019	40,574,132	19,808,486	34,126,132	16,947,337
Modification gains or (-) losses, net	020	2,512,470	2,541,861	(1,457,954)	1,851,610
(Provisions or (-) reversal of provisions)	021	(59,629,807)	(60,514,125)	22,472,806	19,260,570
(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or
loss)	022	65,769,974	37,061,274	(24,992,891)	(45,264,569)
(Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates)	023	-	-	-	-
(Impairment or (-) reversal of impairment on non-financial assets)	024	-	-	-	-
Negative goodwill recognised in profit or loss	025	-	-	-	-
Share of the profit or (-) loss of investments in subsidiaries, joint ventures and associates accounted for	026	-	-	-	-
using the equity method
Profit or (-) loss from fixed assets and disposal groups classified as held for sale not qualifying as discontinued operations	027	-	-	-	-
Profit or (-) loss before tax from continuing operations (16 – 17 – 18 + 19 – from 20 to 23 + from
24 to 26)	028	137,662,387	97,839,214	179,153,555	129,784,923
(Tax expense or (-) income related to profit or loss from continuing operations)	029	21,976,178	18,073,287	31,640,211	22,914,896
Profit or (-) loss after tax from continuing operations (27 – 28)
	030	115,686,209	79,765,927	147,513,344	106,870,027
Profit or (-) loss after tax from discontinued operations (31 – 32)	031	-	-	-	-
Profit or (-) loss before tax from discontinued operations	032	-	-	-	-
(Tax expense or (-) income related to discontinued operations)	033	-	-	-	-
Profit or ( – ) loss for the year (29 + 30; 34 + 35)	034	115,686,209	79,765,927	147,513,344	106,870,027
Attributable to minority interest [non-controlling interests]	035	-	-	-	-

Attributable to owners of the parent 036 115,686,209 79,765,927 147,513,344 106,870,027

STATEMENT OF OTHER COMPREHENSIVE INCOME

Income or (-) loss for the current year Other comprehensive income (38 + 50)	037	115,686,209 (117,354,992)	79,765,927 (14,129,910)	147,513,344 (15,771,394)	106,870,027 (19,795,736)
Items that will not be reclassified to profit or loss (from 39 to 45) + 48 + 49)	038 039	-	-	(457,723)	-
Tangible assets	040	-	-	-	-
Intangible assets	041	-	-	-	-
Actuarial gains or (-) losses on defined benefit pension plans	042	-	-	-	-
Fixed assets and disposal groups classified as held for sale	043	-	-	-	-
Share of other recognised income and expense of entities accounted for using the equity method	044	-	-	-	-
Fair value changes of equity instruments measured at fair value through other comprehensive income	045	-	-	-	-
Gains or (-) losses from hedge accounting of equity instruments at fair value through other comprehensive income, net	046	-	-	-	-
Fair value changes of equity instruments measured at fair value through other comprehensive income [hedged item]	047	-	-	-	-
Fair value changes of equity instruments measured at fair value through other comprehensive income [hedging instrument]	048	-	-	-	-
Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk	049	-	-	-	-
Income tax relating to items that will not be reclassified	050	-	-	(457,723)	-
Items that may be reclassified to profit or loss (from 51 to 58)	051	(117,354,992)	(14,129,910)	(15,313,671)	(19,795,736)
Hedge of net investments in foreign operations [effective portion]	052	-	-	-	-
Foreign currency translation	053	-	-	-	-
Cash flow hedges [effective portion]	054	-	-	-	-
Hedging instruments [not designated elements]	055	-	-	-	-
Debt instruments at fair value through other comprehensive income	056	(143,115,844)	(17,231,597)	(18,675,208)	(24,141,142)
Fixed assets and disposal groups classified as held for sale	057	-	-	-	-
Share of other recognised income and expense of investments in subsidiaries, joint ventures and	058
associates Income tax relating to items that may be reclassified to profit or (-) loss	059	- 25,760,852	- 3,101,687	- 3,361,537	- 4,345,406
Total comprehensive income for the current year (36 + 37; 60 + 61)	060	(1,668,783)	65,636,017	131,741,950	87,074,291
Attributable to minority interest [non-controlling interest]	061	-	-	-	-
Attributable to owners of the parent	062	(1,668,783)	65,636,017	131,741,950	87,074,291

STATEMENT OF CASH FLOW for the period January 01, 2021 to June 30, 2021

Submitter: Hrvatska poštanska banka p.l.c. in HRK

Item	AOP code	Same period of the previous year	Current period
1	2	3	4
Operating activities - direct method
Interest received and similar receipts	001	-	-
Fees and commissions received	002	-	-
(Interest paid and similar expenditures)	003	-	-
(Fees and commissions paid)	004	-	-
(Operating expenses paid)	005	-	-
Net gains/losses from financial instruments at fair value through statement of profit or loss	006	-	-
Other receipts	007	-	-
(Other expenditures)	008	-	-
Operating activities - indirect method		-	-
Profit/(loss) before tax Adjustments:	009	137,662,387 -	179,153,555 -
Impairment and provisions	010	3,627,697	(1,062,131)
Depreciation	011	40,342,918	34,126,132
Net unrealised (gains)/losses on financial assets and liabilities at fair value through statement of profit or loss	012	(36,194,307)	(57,066,587)
(Profit)/loss from the sale of tangible assets	013	-	-
Other non-cash items	014	(256,971,544)	(268,088,532)
Promjene u imovini i obvezama iz poslovnih aktivnosti		-	-
Deposits with the Croatian National Bank	015	297,637,834	(55,561,516)
Deposits with financial institutions and loans to financial institutions	016	-	(126,724,669)
Loans and advances to other clients	017	(836,990,918)	164,363,340
Securities and other financial instruments at fair value through other comprehensive income	018	418,241,818	(208,660,022)
Securities and other financial instruments held for trading	019	(95,311,790)	57,603,783
Securities and other financial instruments at fair value through statement of profit or loss, not traded	020	-	20,000,000
Securities and other financial instruments mandatorily at fair value through statement of profit or loss	021	-	-
Securities and other financial instruments at amortised cost	022	1,651,404	(877,887)
Other assets from operating activities	023	1,168,095	2,555,866
Deposits from financial institutions	024	186,426,000	(135,636,590)
Transaction accounts of other clients	025	717,454,823	982,574,881
Savings deposits of other clients	026	311,744,259	986,663,638
Time deposits of other clients	027	(351,908,193)	(554,268,402)
Derivative financial liabilities and other liabilities held for trading	028	4,050,084	(3,927,388)
Other liabilities from operating activities	029	(10,826,219)	274,542,271
Interest received from operating activities [indirect method]	030	296,386,624	287,010,146
Dividends received from operating activities [indirect method]	031	2,227,280	-
Interest paid from operating activities [indirect method]	032	(34,178,081)	(18,921,614)
(Income tax paid)	033	-	-
Net cash flow from operating activities (from 1 to 33)	034	796,240,171	1,557,798,274
Investing activities Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	- (24,855,335)	- (39,984,754)
Cash receipts from the sale / payments for the purchase of investments in branches, associates and joint	036	-	-
ventures
Cash receipts from the sale / payments for the purchase of securities and other financial instruments held to	037	-	-
maturity
Dividends received from investing activities Other receipts/payments from investing activities	038 039	1,651,404 -	(877,887) -
Net cash flow from investing activities (from 35 to 39)	040	(23,203,931)	(40,862,641)
Financing activities		-	-
Net increase/(decrease) in loans received from financing activities	041	433,105,189	289,244,441
Net increase/(decrease) in debt securities issued	042	-	-
Net increase/(decrease) in Tier 2 capital instruments	043	-	-
Increase in share capital	044	-	-
(Dividends paid)	045	-	-
Other receipts/(payments) from financing activities	046	-	-
Net cash flow from financing activities (from 41 to 46)	047	433,105,189	289,244,441
Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	1,206,141,429	1,806,180,074
Cash and cash equivalents at the beginning of period	049	3,037,318,898	4,091,821,698
Effect of exchange rate fluctuations on cash and cash equivalents	050	(6,656,755)	(4,115,310)
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	4,236,803,572	5,893,886,462

STATEMENT OF CHANGES IN EQUITY for the period January 01, 2021 to June 30, 2021 in HRK

		Attributable to owners of the parent									Non-controlling interest
Item	AOP code	Equity	Share premium	Equity instruments issued other than capital	Other equity instruments	Accumulated other comprehensive income	Retained profit Revaluation	reserves	Other reserves	( ) Treasury shares	Profit or ( - ) loss attributable to owners of the parent	(-) Interim dividends	Accumulat ed other comprehen sive income	Other items	Total
1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16
Opening balance [before restatement]	001	1,214,775,000	-	-	-	264,974,555	204,798,039	-	611,448,069	(477,000)	183,384,194	-	-	-	2,478,902,857
Effects of error corrections	002	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Effects of changes in accounting policies	003	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Opening balance [current period] (1 + 2 + 3)	004	1,214,775,000	-	-	-	264,974,555	204,798,039	-	611,448,069	(477,000)	183,384,194	-	-	-	2,478,902,857
Ordinary shares issue	005	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Preference shares issue	006	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Issue of other equity instruments	007	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Exercise or expiration of other equity instruments issued	008	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Conversion of debt to equity	009	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Capital reduction	010	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends	011	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase/sale of treasury shares	012	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Sale or cancellation of treasury shares	013	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Reclassification of financial instruments from equity to liability	014	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Reclassification of financial instruments from liability to equity	015	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfers among components of equity instruments	016	-	-	-	-	-	92,353,123	-	91,031,072	-	(183,384,194)	-	-	-	1
Share based payments	017	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other increase or ( - ) decrease of equity instruments	018	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total comprehensive income for the current year	019	-	-	-	-	(15,771,394)	-	-	-	-	147,513,344	-	-	-	131,741,950
Equity instruments increase or (-) decrease resulting from business combinations	020	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Closing balance [current period] (from 4 to 20)	021	1,214,775,000	-	-	-	249,203,161	297,151,162	-	702,479,141	(477,000)	147,513,344	-	-	-	2,610,644,808

7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS
-----------------------------------------------------------------------------------------------------	--

Notes to financial statements
1) INTEREST INCOME				in HRK
AOP 001		Same period of the previous year 01.01.- 30.06.2020.
	Cumulative	Quarter	Cumulative	Quarter
Debt securities	41,777,442	19,750,163	39,340,466	19,843,714
Loans and advances	253,103,670	125,165,359	247,665,494	123,387,675
Other assets	212,665	(36,348)	3,860	3,860
Deposits	2,337	928	326	-
Other liabilities	-	-	-	-
Total	295,096,115	144,880,102	287,010,146	143,235,248
2) INTEREST EXPENSE				in HRK
	Same period of the previous year 01.01.-
AOP 002	30.06.2020.			Current period 01.01. – 30.06.2021.
	Cumulative	Quarter	Cumulative	Quarter
Debt securities	-	-	-	-
Loans and advances	1,282,609	750,771	1,321,489	716,432
Other assets	-	-	-	-
Deposits	25,350,207	12,416,748	17,594,944	8,207,768
Other liabilities	488,969	36,021	5,181	3,617
Total	27,121,785	13,203,540	18,921,614	8,927,817
3) FEE AND COMMISSION INCOME				in HRK
AOP 005	Same period of the previous year 01.01.-			Current period 01.01. – 30.06.2021.
	30.06.2020.
	Cumulative	Quarter	Cumulative	Quarter
Securities	196,165	196,165	1,457,267	744,506
Asset management	23,531	(50,464)	21,643	10,138
Custody [according to the type of client]	2,346,177	1,224,635	2,586,218	1,356,267
Loan commitments	43,643	(1,225,803)	17,295	5,902
Other	216,005,765	106,053,925	219,059,204	114,912,913
Total	218,615,281	106,198,458	223,141,627	117,029,726
4) FEE AND COMMISSION EXPENSE				in HRK
AOP 006	Same period of the previous year 01.01.-			Current period 01.01. – 30.06.2021.
	30.06.2020.
	Cumulative	Quarter	Cumulative	Quarter
Bank clearing and settlement	828,227	459,262	982,481	536,226
Other	130,084,892	62,871,353	129,073,353	67,361,834
Total	130,913,119	63,330,615	130,055,834	67,898,061
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES				in HRK
	Same period of the previous year 01.01.-
AOP 007	30.06.2020.			Current period 01.01. – 30.06.2021.
	Cumulative	Quarter	Cumulative	Quarter
Debt securities	35,035,565	11,165,173	-	-
Loans and advances	-	-	-	-
Deposits	-	-	-	-
			-
Debt Securities issued	-	-		-
Other financial liabilities	-	-	169,597	75,768
Total	35,035,565	11,165,173	169,597	75,768
6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING				in HRK
AOP 008	Same period of the previous year 01.01.-			Current period 01.01. – 30.06.2021.
	30.06.2020.
	Cumulative	Quarter	Cumulative	Quarter
Equity instruments	(4,975,117)	6,319,741	7,136,717	2,806,825
Debt securities	(12,411,896)	(4,824,778)	(4,087,657)	(2,763,481)
FX transactions and derivatives	25,202,510	11,737,227	24,672,367	12,917,564
Total	7,815,497	13,232,190	27,721,428	12,960,908

Equity instruments Debt securities Loans and advances Total 8) OPERATING EXPENSES AOP 015 & AOP 017 & AOP 018 Other operating expenses Administrative expenses Employee expenses Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes) Amortization Property, plant and equipment Investment property Other intangible assets Total 9) IMPAIRMENT LOSSES AND PROVISION EXPENSES	30.06.2020. Cumulative - - 200,027 200,027 Same period of the previous year 01.01.- 30.06.2020. Cumulative 23,533,242 189,177,146 112,613,691 76,563,455 5,482,500 40,574,132	Quarter - - 97,634 97,634 Quarter 13,262,513 94,664,457 56,522,739 38,141,719	Cumulative 30,800,000 - (1,624,438) 29,175,562 Cumulative 5,706,671 196,495,421	Quarter 30,800,000 - (2,984,480) 27,815,520 in HRK Current period 01.01. – 30.06.2021. Quarter 3,357,428
				101,557,579
			118,123,337	59,431,160
			78,372,084	42,126,419
		3,232,500	6,958,179	4,216,929
		19,808,486	34,126,132	16,947,337
	21,767,124	10,467,921	21,677,264	10,685,354
	-	-	-	-
	18,807,008	9,340,565	12,448,868	6,261,983
	258,767,020	130,967,957	243,286,403	126,079,272
				in HRK
AOP 019 & AOP 020 & AOP 021 & AOP 023	Same period of the previous year 01.01.- 30.06.2020.			Current period 01.01. – 30.06.2021.
	Cumulative	Quarter	Cumulative	Quarter
Modification gains or (-) losses, net	2,512,470	2,541,860	(1,457,954)	1,851,610
Financial assets at fair value through other comprehensive income	-	-	-	-
Financial assets at amortized cost	2,512,470	2,541,860	(1,457,954)	1,851,610
(Provisions or (-) reversal of provisions)	(59,629,807)	(60,514,125)	22,472,806	19,260,570
Liabilities towards resolution committees and deposit insurance systems	-	-	-	-
(Liabilities and Guarantees)	13,850,186	13,511,033	7,078,587	4,164,052
(Other Provisions)	(73,479,993)	(74,025,158)	15,394,220	15,096,518
(Impairment or (-) reversal of impairment on financial assets that are not
measured at fair value through profit or loss)	65,769,974	37,061,273	(24,992,892)	(45,264,570)
(Financial assets at fair value through other comprehensive income)	890,424	2,018,346	(1,373,211)	(1,704,962)
(Financial assets at amortized cost)	64,879,550	35,042,926	(23,619,681)	(43,559,608)
(Impairment or (-) reversal of impairment off of investments in subsidiaries, joint
ventures, and associates)	-	-	-	-
(Impairment or (-) reversal of impairment off non-financial assets)	-	-	-	-
(Property, plant and equipment)	-	-	-	-
(Investment property)	-	-	-	-
(Goodwill)	-	-	-	-
(Other intangible assets)	-	-	-	-
(Other)	-	-	-	-
Total	3,627,698	(25,994,712)	(1,062,131)	(27,855,609)

Stage 1 1,219,156,918 1,219,156,918 -	31.12.2020. Stage 2 - -	Stage 3 -	Stage 1	30.06.2021. Stage 2
					Stage 3
			1,274,718,434	-	-
		-	1,274,718,434	-	-
	-	-	-	-	-
2,513,669,837	10,294,601	-	2,458,635,489	3,301	-
2,520,514,249	10,456,303	-	2,465,173,215	3,448	-
(6,844,412)	(161,702)	-	(6,537,726)	(147)	-
368,510,087	-	-	308,871,374	-	-
57,300	-	-	74,509	-	-
27	-	-	(0)	-	-
368,996,913	-	-	309,300,318	-	-
(544,154)	-	-	(503,453)	-	-
178,937,655	3,893	-	117,221,091	776	-
168,353,095	3,983	-	107,157,749	830	-
(584,453)	(90)	-	(863,712)	(53)	-
11,262,954	-	-	11,540,659	-	-
(93,941)	-	-	(613,605)	-	-
3,626,597,766	422,197,574	636,986,564	3,067,844,929	698,474,433	665,441,581
3,753,026,824	480,885,197	1,456,527,825	3,144,648,200	775,639,919	1,456,435,349
(126,429,057)	(58,687,623)	(819,541,261)	(76,803,271)	(77,165,486)	(790,993,768)
7,022,395,635	251,126,985	162,079,076	7,161,784,448	378,996,766	194,697,082
7,060,888,859	272,846,699	688,049,269	7,200,496,303	402,161,077	751,554,662
(38,493,224)	(21,719,714)	(525,970,193)	(38,711,855)	(23,164,311)	(556,857,580)
14,929,267,898					860,138,664
					683,623,053 - 799,065,640 14,389,075,764 1,077,475,276

11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS in HRK

Central banks - -

Local state	-	-
Credit institutions	-	-
Other financial institutions	-	-
Non - financial institutions	5,093,283	3,279,097
Retail	13,772,618	13,435,005
Total	18,865,901	16,714,103

12) DEPOSITS in HRK

AOP 044	31.12.2020.	30.06.2021.
Government	400,000,000	401,285,507
Local state	5,325,746,428	6,249,641,931
Credit institutions	209,013,088	416,390,107
Other financial institutions	1,391,175,468	1,311,832,657
Non - financial institutions	3,161,262,055	3,685,757,206
Retail	12,074,349,419	12,050,826,423
Total	22,561,546,458	24,115,733,830