Hrvatska Poštanska Banka d.d.

Governance Information • Jun 27, 2022

COMPLIANCE QUESTIONAIRE FOR ISSUERS OF SHARES

All questions contained in this questionnaire relate to the period of one calendar year.

The Corporate Governance Code is intended for companies with two-tier governance structure considering that such a governance structure is most common in companies whose shares are listed on the Zagreb Stock Exchange. If the issuer has a one-tier structure, the questionnaire on management practices is answered in accordance with Appendix B of the Code of Corporate Governance

Companies respond to questions from the compliance questionnaire with YES, NO or Partially by selecting answers from a drop-down menu for each question.

For questions where company has responded with YES column Explanation is not filled. For questions where company has responded with NO or PARTIALLY in the column Explanation it should explain why this is so, that is:

• explain in which part it does not comply with the provisions of the Code and for what reason,

• describe the measures taken in the place of compliance with provisions of the Code in order to fulfill the objectives set out in the relevant principles of the Code

• if the company intends to comply with the provisions of the Code in the future, indicate when it will start to act accordingly.

Instructions for generating XML Schema from XLS files are published on Hanfa's website under Technical instructions and forms in section Transparency of the issuer.

Yea r	Ins titu tio n cod e
202 1	319

Instructions:

* Year is entered without period (eg. 2019)

* Enter the year for which data are entered in the questionnaire

CH APT ER	PRO VIS ION	AR TIC LE	QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro he m t an swe dro p-d ) ow n m enu	EXP LAN ATI ON (ful fill onl y fo ion s th red wit h "N O" or " PAR TIA LLY ") est at w r qu ere an swe
1	Coo atio per n	1	The art icle s of ocia tion d/o r ot her inte l ac ts c lear ly d efin e th f th viso ass an rna e p owe rs o e su per ry boa rd a nd boa rd. ent ma nag em	YES
1	Coo atio per n	1	The icle s of ocia tion and /or oth er i l ac vail able fre e of ch n th ebs ite o f art nte ts a ass rna re a arg e o e w the co mpa ny.	YES
1	Coo atio per n	2	The viso ry b d h dop ted a d ecis ion in w hich it s d ca orie s of de cisi d le gal tate teg su per oar as a ons an tion s th ire p rior al b y th viso ry b d a nd t hos e d ecis ions ab whi ch tran at r out sac equ app rov e su per oar ent boa rd m ust sult wit h th viso ry b d b efo akin dec isio nd a ma nag em con e su per oar re m g a n, a ry th of is aila ble free of cha the bsit e of the sum ma ere av rge on we co mpa ny.	NO	The Cre dit Inst ituti Ac leva nt b ylaw d in al a of t he Ban k de fine for t, re tern cts ons s an whi ch c ies of d ecis ions lega l aff airs the pri of t he S rvis ate ent gor or or c ons upe ory Boa rd is uire d. req
1	Coo atio per n	2	The icle s of ocia tion d/o r int al c ide for prio f th art ts p nt o ass an ern om pan y ac rov r co nse e isor y bo ard for king imp nt d ecis ions tha t af fect the f th orta str ate sup erv ma gy o e co mpa ny, risk d re put atio exp ens es, ex pos ure an n.	YES
1	Coo atio per n	3	The icle s of ocia tion d/o r int al c tipu late tha t th viso ry b d a nd art ts s ass an ern om pan y ac e su per oar its c mitt ha ime ly a o d mis nd e loye hen y fo ve t ss t nts, om ees cce ocu me pre es a mp es w ne ces sar r the rfor of the ir du ties pe ma nce	YES
1	Coo atio per n	4	The icle s of ocia tion d/o her inte l co stip ulat e th he art r ot cts at t ent ass an rna mpa ny a ma nag em boa rd m he s rvis boa rd a gula r int als he o atin sult s of the ust ort to t t re on t rep upe ory erv per g re y, fi cial situ atio ubs tial fina ncia l an d n fina ncia l ris ks a nd ults of inte ion tan ract com pan nan n, s on- res with sh hold and oth take hold are ers er s ers	YES
1	Coo atio per n	5	Sta d/o r int al c y do ipul tha t th iden t of the tute ent s st ate ent s an ern om pan cum e p res ma nag em boa rd s hall im med iate ly n otify the viso ry b d if the re is is li kely for rise tha ent to a t su per oar or an ev has the ten tial to s igni fica ntly aff ect the ults , fin ial p osit ion tatio n of the po res anc or r epu co mpa ny.	NO	Arti cle 42 of t he C red it In stitu tion s A ct d efin es i hich he Ban k's es t n w cas Man nt B d m ify t he S rvis Boa rd. ust not age me oar upe ory
1	The su per rule s of co Rul f co ndu 6 ct es o ploy em ees to b e ta ken		viso ry b d a d th de of c ond (or oth er i l ac t), w hich abli she uct nte est oar ppr ove e co rna s ndu be fol low ed by m ber s of the and viso ry b d m ber ct to ent em ma nag em su per oar em s, d o the ctin n be half of the whi ch a lso tain les and an rs a g o co mpa ny, con s ru me asu res in c of its v iola tion ase s.	YES
1	Rul f co ndu ct es o	6 Cod e of Co ndu ct ( the r int al a ct) is a vail able fre e of ch n th ebs ite o f th or o ern arg e o e w e co mpa ny.		YES
2	For mbe f th boa rd a nd t he s rvis boa rd t he hibi tion of ticip atio ent me rs o e m ana gem upe ory pro par n Con flict of inte rest 7 in d ecis ion- king in rela tion whi ch t her onf licts of inte is s tipu late d. to rest ma e a re c		YES
2	Con flict of inte rest 7 The viso ry b d h iven pri ent to t he poli cy f ging nflic ts o f int st. su per oar as g or c ons or m ana co ere			YES
2	Con flict of inte rest	7	The licy for ing flict s of inte is a vail able fre e of ch n th ebs ite o f th rest po ma nag con arg e o e w e com pan y.	YES
2	Con flict of inte rest	8	Mem ber s of the viso ry b d a blig ed t o in form the tire isor y bo ard tha t th su per oar re o en sup erv ey a re in a tua l or pot ent ial c onf lict of in tere st. n ac	YES
2	Con flict of inte rest	8	Man nt b d m ber s ha a d to in form the side f th viso ry b d a nd uty nt o age me oar em ve pre e su per oar oth ber s of the boa rd o f an ual ntia l co nflic t of inte ent act ote rest er m em ma nag em or p	YES
2	Con flict of inte rest	8	The viso ry b d ke ord s of all ices rtai ning flict of inte not to rest su per oar eps rec pe con	YES
2	Con flict of inte rest	9	Mem ber of the boa rd o r th viso ry b d h blig atio info the ent n to ma nag em e su per oar as a n o rm Pre side nd/o r Vi Pre side f th at b d if it co nsid tha oth ber of nt a nt o t an ent ce- oar ers er m em ma nag em rvis boa rd is in a l or ial c onf lict of in tua pot ent tere st. or s upe ory n ac	YES
2	Com ition ba pet n	10	Mem ber s of the viso ry b d a nd do form iviti hat ith ent not act es t pet su per oar ma nag em per com e w the bu sine f th ber s of the rvis boa rds of t he t m ent ss o e co mpa ny, are no em ma nag em or s upe ory ies tha h ac tivit ies ho ld m tha n 5% ke i ch c ies. t ca out sta com pan rry suc nor ore n su om pan	YES
2	Com ition ba pet n	Mem ber s of the boa rd a nd t he s rvis boa rd w ho hold sh s in the nies ent ma nag em upe ory are co mpa with wh ich the ny i s in the titio n, in form ed t he s f th f all the eta co mpa co mpe ecr ry o e co mpa ny o 10 sha in s uch nies d th e d ils o f th sh aila ble free of cha the eta res co mpa an ese are s ar e av rge on web site of the co mpa ny.		YES
2	No tion s be mbe f th rvis boa rd a nd t he c y (o tran twe ent sac en me rs o e m ana gem or s upe ory om pan Rel d p ate arty 11 affil iate d w ith a ) ca t be nclu ded wit hou t th rior t of the tran arty a p ers on ny p n no co e p con sen tion sac s isor y bo ard sup erv		r YES
2	The fai lue of e ach teri al tr acti t be nfirm ed by a n in dep end prio ent ert r to r va ma ans on mus co exp Rel d p ate arty 11 h tr acti and his her has be ilab le fr of c har he w ebs ite o f th tran ort to on t any suc ans on, or rep ava ee ge e tion sac s com pan y.			NO	As the Ba nk i s de alin ith c red it an d d sit o atio the fai lue of t hes g w epo per ns, r va e tion s is ual he inal alue . Th e C red it In stitu tion s A tran to t neta ct, sac eq nom mo ry v byla and EU ulat ions plic able dit i nsti tutio ns d ribe de scri bed to ot p ws reg ap cre o n resc duc t in h tr acti con suc ans ons
2	The ny h dop ted ced s fo r th l an d d iscl f tra ctio ns b etw co mpa as a pro ure e a ppr ova osu re o nsa een Rel d p ate arty 12 mbe f th rvis boa rd a nd t he c y (o aff iliat ed w ith tran ent me rs o e m ana gem or s upe ory om pan r a per son tion sac s rty) any pa			YES

CH APT ER	PRO VIS ION	AR TIC	LE QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro he m t an swe dro p-d ) ow n m enu	ON EXP LAN ATI O" (ful fill onl y fo est ion s th at w red wit h "N or " PAR TIA LLY ") r qu ere an swe
2	Rel d p ate arty tran tion sac s	12	The dit c mitt uall the eff ecti of the dur au om ee ann y as ses ses ven ess se p roce es.	YES
3	The rol e of the sup isor y bo ard erv	13	The viso ry b d is sibl e fo poin ting d d ism issi mbe f th ent su per oar res pon r ap an ng me rs o e m ana gem boa rd a nd king nda tion s fo ndid s fo ber s of the viso ry b d to the ate ma rec om me r ca r m em su per oar l me etin gen era g.	YES
3	e of The rol the sup isor y bo ard erv	13	d fo for The viso ry b d h l an d tr ent ced the poin tme nt to su per oar as a ppr ove rma ans par pro ure ap bot h m and viso ry b ds. ent ana gem su per oar	YES
3	The rol e of the sup isor y bo ard erv	14	The viso ry b d h of fem ale mbe f th viso et a targ et p ent su per oar as s s a erc age me rs o e su per ry boa rd a nd t he ent boa rd, w hich st b chie ved in t he t fiv and ad opt ed ma nag em mu e a nex e ye ars a for n of plan the imp lem ent atio this al. P ent tar get and pla blis hed in t he go erc age on n w ere pu ual ort. ann rep	YES
3	The rol e of the sup isor y bo ard erv	14	A re t ex plai ning n th lan has be pub lish ed in th al re t. por pro gre ss o e p en e a nnu por	YES
3	The rol e of the inat ion nom mitt com ee	15	The min atio ittee ha s al l the ks l iste d in Art icle 15 of the Co de. tas no n co mm	YES
3	Ele ctio n of isor y bo ard sup erv mbe rs b y th me e l me etin gen era g	16	Wh inat ing dida for the viso ry b ord the al m ing for elec tion the tes to eet en nom can su per ge ner ovid es i nfo tion wit hin the al m in m rials the ite ted by eet ate com pan y pr rma ge ner on ms req ues Arti cle 16. of t he C ode	YES
3	Ele ctio n of isor y bo ard sup erv mbe rs b y th me e l me etin gen era g	16	Info tion ovid ed by A rticl e 1 6 of the Co de fre ely ilab le o n th ny`s bsit rma s pr are ava e co mpa we e.	YES
3	Ele ctio n of isor y bo ard sup erv mbe rs b y th me e l me etin gen era g	17	Mat eria ls fo r th ral ting in a ll th e in form atio n lis ted in A rticl e 1 7 of the Co de. nta e g ene mee co	YES
3	Ele ctio n of isor y bo ard sup erv mbe rs b y th me e l me etin gen era g	18	The info tion ref d to in A rticl e 1 7 of the Co de is a vail able fre e of ch n th ebs ite o f rma erre arg e o e w the lso in c her ork ' rep ive her mbe r of the viso ntat not co mpa ny a ase s w e w ers rese or a me su per ry boa rd w hich is n lect ed by t he s har eho lder the al m ing is a poin ted ot e s at eet ge ner	NO	The visi of Ban k's Arti cles of Ass ocia tion do n't d efin ber s of the pro ons e m em Sup isor y B d e lect ed ploy ' rep ives mbe ho a ntat erv oar am ong em ees rese or me rs w re elec ted by the sh hold he G ral A mb ly. not at t are ers ene sse
4	Res sibi litie s of pon the viso su per ry boa rd	19	The od refe f th viso ry b ord inc lude all the ibilit ies in A rticl e 1 9. o f ter set ms ren ce o e su per res pon the Co de.	YES
4	Com ition pos	20	file ifes The viso ry b d h as d lope d a isor y bo ard whi ch s the mi nim su per oar eve sup erv pro pec um ber of mbe nd c bina tion od ski lls, kno wle dge d e duc atio ell a ofe ssio naln num me rs a om an n, a s w s pr and ctic al e rien hat uire d in the viso ry b d. ce t pra xpe req su per oar	PAR TIA LLY	The Ba nk's Art icle s of As iatio n, d rmi ned by the Ge al A mb ly, d efin e th ete soc ner sse e ber of Sup isor y B d m ber s, b ut it 's ta nd c ond ition s fo t str uctu num erv oar em rge re a r mbe rsh ip a re d efin ed by t he Pol icy he t d th of on t et s truc ture ent me arg an e a sse ssm the itab ility of t he mbe f th e S rvis of t he Ban k , i dan ith su me rs o upe ory n ac cor ce w Cre dit Inst ituti Ac t an d D ecis ion on t he a ent of t he s uita bilit y of the ons sse ssm cha irpe n of the boa rd, mbe f th boa rd, ent ent rso ma nag em me rs o e m ana gem mbe f th viso ry b d a nd key fun ctio n ho lder s in red it in stitu tion me rs o e su per oar a c , issu ed by C tian Na tion al B ank roa
4	Com ition pos	21	The viso ry b d in clud ber s of diff end ofile d e rien nt g ce t su per oar es m em ere er, age , pr an xpe o a d iver sity ctiv hen king de cisi ens ure pe rspe e w ma ons	YES
4	Com ition pos	22	Maj ority of the mbe f th viso ry b d a re i nde den t in ord ith t he me rs o e su per oar pen acc anc e w e C def initi set out in A ndix A o f th ode on ppe	NO	Two t of thre ber s of the Su viso ry B d a ot in dep end as d efin ed ent ou e m em per oar re n Co in A x A of the de. nne
4	Com ition pos	22	The Pre side nt o r de puty side nt o f th viso ry b d a re i nde den t. pre e su per oar pen	YES
4	Pre side nt	23	The side f th viso ry b ord is r onib le fo r th ctiv ities list ed in A rticl e 2 3. o f th nt o pre e su per esp e a e Cod e.	YES
4	Boa rd c mitt om ees	24	Sup isor y bo ard est abli she d th inat ion mitt erv e n om com ee.	YES
4	Boa rd c mitt om ees	24	Sup isor y bo ard abli she d th tion ittee est erv e re num era co mm	YES
4	Boa rd c mitt om ees	24	Sup isor y bo ard abli she d th udit ittee est erv e a co mm	YES
4 4	Boa rd c mitt om ees Boa rd c mitt om ees	24 26	The viso ry b d st ipul d th dat nd a ctiv ities of h co ittee ate su per oar e m ana e a eac mm Eac h co ittee of the viso ry b d co nsis f m ber ho hav e th kills ts o mm su per oar em s w e n ece ssa ry s , kno wle dge d e duc atio ell a ofe ssio nal and ctic al e rien the ce t out an n, a s w s pr pra xpe o ca rry mitt sibi litie s ef fect ivel com ee res pon y.	PAR TIA LLY YES	The Su viso ry B d h stab lish ed t he nda nd a ctiv ities of h its ittee te a per oar as e ma eac co mm
4	Boa rd c mitt om ees	27	Eac h co ittee of the viso ry b d h t lea st th mbe mm su per oar as a ree me rs.	YES
4	Boa rd c mitt om ees	27	Maj ority of the mbe f ea ch c mitt of t he s rvis boa rd a re i nde den t (a s de fine d me rs o om ee upe ory pen f th e C in A ndix A o ode ). ppe	PAR TIA LLY	Maj ority of Aud it C mitt mbe re i nde den t, w hile oth er S rvis Bor d om ee me rs a pen upe ory f Su mitt nsis ted of mbe viso ry B d, w her mbe r is com ees are co me rs o per oar e o ne me inde nde nt. mpe

CH APT ER	PRO VIS ION	AR TIC LE	QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro m t he an swe dro p-d ) ow n m enu	EXP LAN ATI ON (ful fill onl y fo ion s th red wit h "N O" or " PAR TIA LLY ") est at w r qu ere an swe
4	Boa rd c mitt om ees	27	Boa rd m ber roh ibite d to be mbe f th ittee of the viso ry b d. em s ar e p me rs o e co mm su per oar	YES
4	Boa rd c mitt om ees	28	The of r efe f ea ch c mitt is m ade fre ely ilab le o n th ny's bsit ter ms ren ce o om ee ava e co mpa we e	YES
4	Boa rd c mitt om ees	28	The Co ny's l rep incl ude he w ork of e ach ittee of the viso ort ort on t mpa an nua s a rep co mm su per ry boa rd a ell a s in form atio n th ber of ting s he ld a nd t he mbe f th ittee s w n o e n um mee me rs o e co mm	PAR TIA LLY	The Ba nk p ubli she s in form atio ber s of ch S rvis Boa rd C mitt n o n m em ea upe ory om ee eth ith t he ber of ting s he ld in the An l rep Su of w ork of tog ort. er w num mee nua mm ary h S rvis Boa rd C ittee is p ubli she d th gh t he pub licly blis hed in eac upe ory om rou pu Sup isor y B d R rfor med bu sine rvis ion. rt o erv oar epo n pe ss s upe
4	Tim itme nt e co mm	29	The mi nim cted tim itmn f ea ch s rvis boa rd m ber is s ified the ir et o un e xpe e co mm upe ory em pec on oint nt. app me	PAR TIA LLY	One of ditio hec ked du ring ing the itab ility of c and idat es f lect ing con ns c ass ess su or e ber s of Su viso ry B ord , is the f th ibilit y of his nt o as m em per ass ess me e p oss mitm he form e of du ties ent to t com per anc
4	Tim itme nt e co mm	29	The l rep incl ude d o f att end the etin gs f ach mbe r of the ort e at an nua s re cor anc me or e me isor y bo ard d its ittee sup erv an co mm s.	YES
4	Tim itme nt e co mm	30	The art icle s of ocia tion d/o r int al c ts s tipu late the ob liga tion of the viso ass an ern om pan y ac su per ry boa rd m ber to info the reta f th bou t th eir mbe rsh ip in the viso em rm sec ry o e co mpa ny a me su per ry boa rd o r th boa rd o f ot her nies ent e m ana gem co mpa	YES
4	d form Fre que ncy an f m ings at o eet	31	The viso ry b d m lea y th nths eet s at st e su per oar ver ree mo	YES
4	d form Fre que ncy an f m ings at o eet	31	The viso ry b d h dop ted ork plan tha t inc lude s tim nd a da of f ings utu eet su per oar as a a w e a gen re m	YES
4	d form Fre que ncy an f m ings at o eet	31	Com mitt of the viso ry b d s hall s of for the eff ecti ve d isch et a ten ees su per oar me as nec ess ary arg e of t heir du ties d re gula rly r the viso ry b d o n its iviti rt to act , an epo su per oar es.	YES
4	d form Fre The que ncy an su per 32 f m ings side rs it at o eet con		viso ry b d ca eet with out the rtici pat ion of t he ent boa rd w her e it oar n m pa ma nag em pria te. ap pro	YES
4	d form Fre que ncy an f m ings at o eet	32	Non -Bo ard ittee ber rtici e in ittee etin nly he invi tatio n of the pat at t co mm me me s ca n pa co mm me g o mitt com ee.	YES
4	Sup t por	33	The ny h as d esig d a n in divi dua l to he d utie s of nate ut t tary co mpa car ry o a c om pan y se cre	YES
4	Sup 33 t por		Acc ord ing he c y's inte l ac he rryin he d utie s of to t ts, t ut t om pan rna per son ca g o a c om pan y ry is sibl e fo ing tha viso ry b d p dur plie d w ith, reta t su sec res pon r en sur per oar roce es a re c om adv isin g th viso ry b d o atte orti ng t he side nt o f th e su per oar n go ver nan ce m rs, s upp pre e isor y bo ard d h elpi ng t he s rvis boa rd a nd c mitt to fun ctio n ef ficie ntly sup erv an upe ory om ees	YES
4	Qua lity and The bo ard of r efe nd/o r int al a uire the teri als for ter cts ms ren ce a ern req ma time line f 34 ss o ting s to be vide d to all its m ber s at lea st o eek be fore the mee pro em ne w me info tion rma		isor y bo ard sup erv etin g.	YES
4	Qua lity and The bo rd c mitt s of ref d/o r int ee t om erm ere nce an time line f 34 ss o mitt ting be vide d to all its m s to com ee mee pro em info tion rma		al a uire the teri als for boa rd cts ern req ma ber lea eek be fore the etin s at st o ne w me g.	YES
4	Qua lity and The icle s of ocia tion d/o r int al c ntic ipat e th he min of the art ts a at t utes ass an ern om pan y ac me time line f 35 ss o of t he s rvis boa rd m be ilab le to all mbe f th viso ry b d. ust upe ory ava me rs o e su per oar info tion rma		etin g	YES
4	Qua lity and Sup isor y B d m ing min vide da eet utes ta o erv oar pro n vo time line f 35 ss o indi vidu al m ber ted em s vo info tion rma		ting ults inc ludi ng d ils o f ho eta res w	YES
4	The viso ry b d h he righ ive info tion d a dvic e fr ple side the as t t to out su per oar rece rma an om peo Qua lity and the f th ny i f it c ider s it fully y at to s out com pan ex pen se o e co mpa ons nec ess ary ucc ess ca rry time line f 36 ss o dut ies, vide d th he ced for it is cifie d in the inte l do s of the at t ent pro pro ure spe rna cum co mpa ny info tion rma issu ed by t he ent boa rd w ith t he c ent of t he s rvis boa rd. ma nag em ons upe ory		PAR TIA LLY	This rig ht o f Su viso ry B ord is p ribe d b y th e C NB Dec isio n th per resc n o e Man nt S yste age me m.
4	Tra nd dev inin g a elop nt me	All mbe f th viso ry b d a t th e tim e of poin ived int rod ucti rain ing for tme nt r on t me rs o e su per oar ap ece 37 the ir ro le.		YES
4	Tra nd dev inin All s rvis bor d m ber ceiv ing trai ning d e duc atio n to imp e th eir s ills a nd g a upe ory em s re e o ngo an rov 37 elop nt kno wle dge me		YES
4	Tra nd dev inin g a elop nt me	38	The viso ry b d m ber ceiv gula dat nd brie fing s fr the ent su per oar em s re e re r up es a om ma nag em boa rd a nd e elev he c d to the ir du ties rts o atte ant to t xpe n m rs r om pan y an	YES
4	Sup isor y bo ard erv luat ion eva	39	The viso ry b d e valu d its eff ecti in t he t 12 nths ate su per oar ven ess pas mo	YES
4	Sup isor y bo ard erv luat ion eva	39	The viso ry b d a d th e in divi dua l res ults of its m ber s in the las t 12 nths su per oar sse sse em mo	YES
4	Sup isor y bo ard erv 39 The alua tion of the viso ry b d w as l ed by t he side r de side nt o puty nt. ev su per oar pre pre luat ion eva			YES

CH APT ER	PRO VIS ION	AR TIC LE	QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro he m t an swe dro p-d ) ow n m enu	EXP LAN ATI ON (ful fill onl y fo ion s th red wit h "N O" or " PAR TIA LLY ") est at w r qu ere an swe
4	Sup isor y bo ard erv luat ion eva	40	The alua tion of the viso ry b d in clud ed f all the ecif ied in nt o tter ev su per oar an ass ess me ma s sp Arti cle 40 of t he C ode	NO	Stru e of the Su viso ry B d is alua ted r fo edit ins titut ions ctur per oar ev on ce a yea r cr , thro ugh lar a al a of t he c olle ctiv itab ility of t he S rvis ent a r egu nnu sse ssm e su upe ory Boa rd.
4	Sup isor y bo ard erv luat ion eva	41	The l rep incl ude s th of t he s rvis boa rd a nd its c mitt in ort ent ort an nua e a sse ssm rep upe ory om ees whi ch t hey ed all t he c ircu ut in Art icle 41 of the Co de. mst et o ass ess anc es s	PAR TIA LLY	The is p of t he Rep he w ork of S rvis Boa rd, w hich is ent art ort on t ass esm upe ory bein bm itted Gen l As bly for a d ecis ion he s uita bilit y of the to on t g su era sem Sup isor y B d o al b asis d w hich de cisi is m ade blic erv oar n a n a nnu , an on pu
5	Res sibi litie s of pon the ent ma nag em bor d	42	The du ties of boa rd i nclu de all t he a ctiv ities list ed in A rticl e 4 2 o f th e C ode ent ma nag em	YES
5	Res sibi litie s of pon the ent ma nag em bor d	43	The viso ry b d h d in al r ules of ced ad ed by t he tern opt ent su per oar as a ppr ove pro ure ma nag em boa rd t hat def ine the ecif ied in A rticl e 4 3. o f th e C ode tter ma s sp	PAR TIA LLY	Man nt B d o f th e B ank ad ed t he rule s of ced of Man opt nt age me oar pro ure age me Boa rd a nd d efin ed t he visi of Arti cle 43 of t he C ode pro ons
5	Res sibi litie s of pon the ent ma nag em bor d	44	In th f gr s, th boa rd o f th y is ob lige d to e ef fect ive ent nt c e ca se o oup e m ana gem e p are om pan en sur rsig ht o the iviti f ot her nies in t he g act ove ver es o co mpa rou p.	YES
5	Res sibi litie s of pon the ent ma nag em bor d	44	The icle s of ocia tion d/o r int al c ain rule ning sibi litie art ts c ont ass an ern om pan y ac s go ver res pon s and orti ced the lev el o f th d su bsid iarie s at nt c rep ng pro ure e p are om pan y an s.	YES
5	Com ition pos	45	The viso ry b d e tha t m ent inta ins rofil e of the ent boa rd su per oar nsu res ana gem ma a p ma nag em whi ch d ete rmi the mi nim ber of mbe nd a mb inat ion of m ber ho nes um num me rs a co em s w pos ses s the ski lls, kno wle dge d e duc atio ell a ofe ssio nal and ctic al e rien hat ce t an n, a s w s pr pra xpe are uire d fo boa rd. ent req r m ana gem	YES
5	The side nt pre	46	The side f th boa rd is for lly r ible for the iviti es l iste d in Art icle 46 nt o ent act pre e m ana gem ma esp ons of t he C ode	YES
5	Lim its o her n ot app oint nts me	47	Inte l co ny d vide tha t th ber s of the boa rd m obt ain the nts ent ust rna mpa ocu me pro e m em ma nag em prio f th viso ry b d b efo ptin intm he boa rd o nt o ent to t ent r co nse e su per oar re a cce g a ppo ma nag em r isor y bo ard wh ich is n of t he s ot p art sup erv am e g rou p.	NO	Reg ulat ed by t he A n th ion of c onf lict of in ct o ent tere st. e p rev
5	Lim its o her n ot app oint nts me	47	Inte l do s of the ide tha t bo ard mbe roh ibite d fr hold ing ent rna cum co mpa ny p rov me rs a re p om mo re tha osit ions in t he rvis boa rd o f ot her h co nies n tw ent o p ma nag em or s upe ory suc mpa	NO	Reg ulat ed by t he A n th ion of c onf lict of in ct o ent tere st. e p rev
5	Boa rd e valu atio n	48	The viso ry b d in the las t 12 nths alua ted the eff ecti of for nts su per oar mo , ev ven ess arra nge me atio n be he s rvis boa rd a nd t he boa rd, ell a s th deq twe en t ent coo per upe ory ma nag em as w e a uac y of s and info tion eive d fr the boa rd. ort ent upp rma rec om ma nag em	YES
5	Boa rd e valu atio n	48	Res ults of the alua tion of nts for atio n be twe en t he s rvis boa rd a nd ev arra nge me coo per upe ory ent inc lude d in the l rep ort. ma nag em are an nua	YES
5	Boa rd e valu atio n	49	The boa rd h valu d its n ef fect iven d th f its ind ivid ual mbe rs in ent ate at o ma nag em as e ow ess an me the las t 12 nths mo	YES
5	Boa rd e valu atio n	49	The ent boa rd h rted the nclu sion s of the alua tion s of its mbe rs to the ma nag em as r epo co ev me isor y bo ard sup erv	YES
6	Rol e of ratio rem une n mitt com ee	50	The du ties of the ratio n bo ard inc lude all the iviti es l iste d in Art icle 50 of the Co de. act rem une	YES
6	Rem ratio n of une boa rd ent ma nag em	51	The viso ry b d d rmi the l re atio n of of h m ber of the ete su per oar nes an nua mu ner eac em boa rd, bas ed end atio f th atio ittee d in ent ma nag em on reco mm ns o e re mu ner n co mm an	YES
6	mbe me rs Rem ratio n of une boa rd ent ma nag em mbe me rs	52	ord ith t he a d re atio licy acc anc e w ppr ove mu ner n po The lev el o f re ceip f m ber s of the boa rd t ake s in the d ts o ent to a unt em ma nag em cco ag ree isk etite , the ic e nvir in w hich the ll as stra teg ent ate y, r app eco nom onm co mpa ny o per s as we wa ges and ndit ions of kers wit hin ies. co wor com pan	YES
6	Rem ratio n of une boa rd ent ma nag em mbe me rs	53	Rem ratio licy vide s th boa rd m ber t dis e of the sh at a ent une n po pro ma nag em em ma y no pos are s igne d to it a f th atio lea from the da hich the sh rt o n at st tw te o ass s pa e re mu ner o ye ars n w are s ssig ned him her to wer e a or	YES
6	Rem ratio n of une boa rd ent ma nag em mbe me rs	53	Rem ratio licy vide s th boa rd m ber ake of k at a ent t m stoc une n po pro ma nag em em ma y no use ions igne d to him her t of the ratio n fo leas from the da opt r at t tw te o ass or as par rem une o ye ars n whi ch s k op tion igne d to him her toc s w ere ass or	YES
6	Rem ratio n of une boa rd ent ma nag em mbe me rs	53	Rem ratio licy incl ude ovis ions tha t clo sely de fine the circ in w hich orti of tan une n po s pr ums ces a p on the ratio n of boa rd m ber ho ld o ked be d. ent t on r to to retu rem une ma nag em em wa s pu was as rne	YES
6	n of Rem ratio une isor y bo ard sup erv mbe me rs	54	for f th f ot f th Rem ratio n le vel the side nt o viso ry b d a nd o her mbe une pre e su per oar me rs o e isor y bo ard ref lect s th e tim itme nd sibi litie s, in clud ing the tim nt a sup erv e co mm res pon e mitm and sibi litie s in the ittee s of the viso ry b d. ent com res pon co mm su per oar	PAR TIA LLY	ircu d b he CO -19 nde mic d t he Du e t tan y t VID o c ms ces ca use pa an nee

CH APT ER	PRO VIS ION	AR TIC LE	QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro m t he an swe dro p-d ) ow n m enu	EXP LAN ATI ON (ful fill onl y fo ion s th red wit h "N O" or " PAR TIA LLY ") est at w r qu ere an swe
6	Rem ratio n of une Rem ratio licy and /or inte l co ny d hibi t th e in clus ion of v aria ble nts une n po rna mpa ocu me pro isor y bo ard 55 YES sup erv elem oth lem late d to rfor in t he ratio n of the viso ry b d. ent ent s or er e s re pe ma nce rem une su per oar mbe me rs
6	Rep orti n rem ng o ratio une n	56	Rem ratio licy of t he c d b y sh hold al m ing. at a eet une n po om pan y w as a ppr ove are ers ge ner	YES
6	Rep orti n rem ng o ratio une n	56	The ny h ade fre ely ilab le o n its bsit e its ratio licy ved by the co mpa as m ava we rem une n po , as ap pro sha reh olde rs.	YES
6	Rep orti n rem ng o ratio une n	57	Ann ual ort ratio n in clud es d ata ratio n of ch i ndiv idua l me mbe r of the rep on rem une on rem une ea Co isor y bo ard wel l as oth er i nfo tion nta ined in A rticl e 5 7 of the de. sup erv as rma co	YES
7	Rol f th es o e isor d sup erv y an ent ma nag em boa rds	58	Man nt b d, w ith t he prio val of t he s rvis boa rd, ado pted olic y th at age me oar r ap pro upe ory a p det ines the ture d e xte nt o f ris k th at c eds d th at is wil ling to take in o rde r to erm na an om pan y ne an ach ieve all the lon g-te stra teg ic o bjec tive s ( "ris k ap pet ite") rm	YES
7	Rol f th es o e isor d sup erv y an ent ma nag em boa rds	59	The ent boa rd is for lly r ible for the act iviti es l iste d in Art icle 59 of the Co de. ma nag em ma esp ons	YES
7	dit com Rol e of the au mitt ee	60	Ter of r efe f th udit ittee inc lude s al l ac tivit ies liste d in Art icle 60 of the Co de. ms ren ce o e a co mm	YES
7	dit com Rol e of the au mitt ee	61	The dit c mitt the viso ry b d o e of its mitt der too k th ctiv ities au om ee, su per oar r on com ees , un e a refe rred in A rticl 1 of the Co de. to e 6	YES
7	he exte Rel atio ith t ns w 62 l au dito rna r		The dit c mitt s th f se lect ion and poin f ex al a udit in tme nt o tern au om ee ove rsee e p roce ss o ap ors ord ith t he lega l req uire nts and kes nda tion s to the viso ry b d fo acc anc e w me ma rec om me su per oar r of t for the lect ion he e xte l au dito d co ndit ions the ir ap poin tme nt. se rna r an	YES
7	he exte Rel atio ith t The dit c mitt in th e la st 1 2 m hs a d th ork plan of the al a udit , wh ich ont ext ns w au om ee ppr ove e w ern ors 63 l au dito incl ude s th d co f th ctiv ities be aud ited nte nt o to rna r e sc ope an e a		YES
7	he exte Rel atio ith t The dit c mitt sha ll m ith t he e l au dito dis s th e is s th eet xte rs to at ns w au om ee as n ece ssa ry w rna cus sue 63 l au dito hav e b ide ntifi ed dur ing the dit a nd t he q uali f se rvic ided ee t ty o rna r een au o ov ers es p rov		YES
7	he exte Rel atio ith t The dit c mitt if re nsib le fo onit orin g th e in dep end nd o bjec tive of exte l ns w au om ee spo r m enc e a rna 64 l au dito rna r		aud itor	YES
7	he exte Rel atio ith t The dit c mitt ed olic rmit ted udit rvic ided by the al ext ns w au om ee app rov a p y on pe no n-a se es p rov ern 64 l au dito aud itor rna r		PAR TIA LLY	Any udit rvic cted wit h th aud itor , wh ich is n roh ibite d in ntra e st atut ot p no n a se e co ory ord ith E U R latio n 53 7/2 014 , is sub ject prio f th udit to nt o acc anc e w egu r co nse e a mitt com ee.
7	Ris k m The dit c mitt luat ed t he e ffec tive s of risk and inte l co l sy ent and ent ntro stem ana gem au om ee eva nes ma nag em rna 65 inte l co l wh ole at le ntro ast rna as a onc e a yea r.		YES
7	Ris k m The dit c mitt whe iate kes nda tion the viso ry b d a nd ent and s to ana gem au om ee, re a ppr opr , ma rec om me su per oar 65 inte l co l boa rd r rdin g th e ef fect iven of risk and inte l co l sy ntro ent ent ntro stem rna ma nag em ega ess ma nag em rna s.			YES
7	Ris k m The aint ains eff ecti risk tha ovid elia ble iden tific atio ent and ent tem t pr ana gem co mpa ny m an ve ma nag em sys es r n 66 inte l co l of r isk orti nd s rvis ion. ntro ent rna mea sur em , an swe rs, rep ng a upe		YES
7	The ny h as d rmi ned cle ar i l res sibi litie s fo r th aint of the risk ete nte co mpa rna pon e m ena nce Ris k m ent and ana gem 66 d a clea dur e fo aint aini betw ible ent tem ont act ma nag em sys an r pr oce r m ng c een pe rso ns r esp ons inte l co l ntro rna and the dit c mitt au om ee.		YES
7	Ris k m The ny h stab lish ed inte l au dit f tion sibl e fo onit orin g th ent and ana gem co mpa as e an rna unc res pon r m e 67 inte l co l effe ctiv f int al c rol s inc ludi risk ntro ont yste ent rna ene ss o ern ms, ng ma nag em		YES
7	Ris k m ent and ana gem 67 The dit c mitt ed t he inte l au dit p lan in th e la st 1 2 m hs. ont au om ee app rov rna inte l co l ntro rna		YES
7	ent and Ris k m The dit c mitt ives orts of inte l au dito nd nito rs t he imp lem ent atio n of its ana gem au om ee rece rep rna rs a mo 67 inte l co l end atio ntro rna reco mm ns.			YES
7	ent and Ris k m ana gem inte l co ntro l rna	68	The dit c mitt sha ll re nd t o th viso ry b d th intm ent or d ism issa l of au om ee com me e su per oar e a ppo the he ads of the inte l au dit f tion rna unc	YES
7	Ris k m If th ny d ot h inte l au dit f tion , the dit c mitt has ce i n th e la st 1 2 ent and ana gem e co mpa es n ave rna unc au om ee on 68 inte l co ntro l nths alua ted the ed f or t his fun ctio rt o f its nt o f int al c ont rol s yste rna mo ev ne n as pa ass ess me ern ms.				The Ba nk h n in tern al a udit fun ctio as a n.

			AN SW ER
CH APT ER PRO VIS ION	AR TIC	LE QU EST ION	(Ea ch stio que red by ch ans we	n is EXP LAN ATI ON osi ng fill onl ion s th red wit h "N O" or " PAR TIA LLY est at w
			the r fro an swe dro p-d ow n m	(ful y fo ") r qu ere an swe he m t ) enu
		Man nt b d, w ith t he prio val of t he s rvis boa rd, ado pted age me oar r ap pro upe ory a p	dur e fo roce r
7 Wh istle -blo win	68 g	orti iola tion s of law inte l rul f th al o r in the e of actu rep ng v s or rna es o e co mpa ny, cas viol atio n.	ted YES sus pec
7 Wh istle -blo win	69 g	The ced hat kers d e l sta keh olde rs d uffe es t xte ot s gat pro ure en sur wor an rna o n r ne	ive YES
7 Wh istle -blo win	69	if th spic ious be hav ior. rt su con seq uen ces ey r epo Det ails of the ced for istra tion aila ble free of cha the bsit e of pro ure reg are av rge on we	the YES
	g	com pan y. Sta d/o r int al c y do ipul the du f th tute ent s st ate ty o ent an ern om pan cum e m ana gem	boa rd t o in form
7 Wh istle -blo win	70 g	the viso ry b d o f an y irr larit ies and d to tha t m ust su per oar egu an ag ree on me asu res	be YES
		imp lem ed. ent		Com Ban ks R isk mitt is re nsib le fo solv irre ritie s in the Ba nk, in
				ing gula ee spo r re ord ith s ial r latio ns f red it in stitu tion d th gh t he c plia acc anc e w pec egu or c s an rou om nce
				fun ctio n. In c plia wit h th isio f its inte l Ru les Rep orti Irre gula ritie s, th om nce e p rov ns o rna on ng e
7 Wh istle -blo win	70 g	The dit c mitt luat ed t he e ffec tive s of the ced d its plic atio au om ee eva nes pro ure an ap nths mo	n in the las t 12 NO	Ban k's Ris k C mitt is a utho rize d a nd sibl e fo r im plem atio n of the ent om ee res pon se
				visi anin g th at it is r ible for imp lem ing ced s th be ent at m ust pro ons , me esp ons pro ure duc ted in o rde ify t he f d e vide cite d in of irre gula ritie r to acts orts con ver an nce rep s,
				ced s to erta in c ont este d fa cts and itab le m ove rsee pro ure asc pro pos e su eas ure s
		All info tion tha t th ny i qui red disc lose in a rda wit h th e la to rma e co mpa s re cco nce w, r	ules the on	and ste fter the nclu sion of the fac t-fin ding ced ps a co pro ure
Use of the co 8 web site	mpa ny 71	listi the Co de and its Art icle s of As iatio vail able fre e of ch n th ng, own soc n a re a arg e o	ebs ite o f YES e w
Use of the co	mpa ny	the co mpa ny. The ake s fr eely aila ble and sily ible the bsit ll th e in co mpa ny m av ea acc ess on we e a	form atio n
8 web site	72	he C ted by Arti cle 72 of t ode req ues	YES
Use of the co 8 web site	mpa ny 73	The tha t th e in form atio n th ebs ite i s ke da nd pub pt u p to te a co mpa ny e nsu res n o e w ord ith t ime lim its p ribe d in law d re gula tion acc anc e w resc an s.	lish ed in YES
Use of the co 8 web site	mpa ny 73	All d he w ebs ite a re f ly a vail able in b oth Cro atia nd Eng lish ata on t ree n a	YES
Ann ual 8 ort rep	74	The l rep tain s al l the info tion ref d to in A rticl f th e C ode ort e 7 4 o an nua con rma erre	PAR TIA LLY	Th ual ain of th e in for tio ifie d in Ar tic rt c ont ost e a nn re po s m ma n s pec
ith sha Rel atio ns w 9	75	The Co red tha t all sh hold dles s of the mbe e of sh typ mpa ny e nsu are ers , re gar nu r or hav l ac info tion ab the nd a bou t th hey s to out e e ces rma co e w ca n ca	s th ey h old are , and YES
reh olde rs		ay t qua mpa ny a the ir rig hts. tect pro	rry
Rel atio ns w		Co effe e fo The ny h stab lish ed ctiv l me cha nism s to inor ity s mpa as e an rma en sur e m the ssib ility of a skin tion s di ly to side f th boa rd a rect nt o ent po g q ues pre e m ana gem	har eho lder s nd side f nt o pre
ith sha 9 reh olde rs	76	the viso ry b d, a nd t he d ils o f th e fu ncti onin f th cha nism eta su per oar g o ese me s ar e av	YES aila ble free of
		cha the bsit e of the rge on we co mpa ny. The Co ny h elec ted hat will for all s har eho lder s be the on t n to mpa as s a p ers pe rso co	t in ntac
ith sha Rel atio ns w 9 reh olde rs	77	rela tion ith i nd c of t his is a vail able fre e of ch n th stor ont act s w nve s, a per son arg e o	ebs ite o f th YES e w e
		com pan y. s of f th The art icle ocia tion and /or inte l rul ot in imit ass rna es o e co o n an	of the ab
Gen l me etin 9 era	78 g	ny d ay l mpa y w sha reh olde ll a l me etin artic ipat e in it o add ite he a rs to g, t r to to t ca gen era o p ms gen	ility YES da.
Gen 9 l me etin era	79 g	The icle s of ocia tion d/o r int al c y do s al low sh hold art ent ass an ern om pan cum are ers	the ity tun op por YES
		cise the ir rig ht to e b wit hou stric tion to e vot t re xer y pr oxy
				The visi of the Ba nk's Art icle s of As iatio ipul tha t th e B ank 's n st ate pro ons soc Man nt B d is tho rize d to ke a de cisi on t hat ld e nab le s har eho lder age me oar au ma wou
Gen 9 l me etin era	79 g	The art icle s of ocia tion and /or inte l co ny d nts allo har eho lder s th ass rna mpa ocu me w s cise the ir rig ht to lect ical ly w itho ictio to e vot ut r estr xer e e ron ns.	rtun ity e o ppo NO	to e cise all nly e of the ir rig hts by e lect ic c nica tion in f ull o r in xer or o som ron om mu t wh hey do nall rtici e in the Ge al A mb ly o n th lace en t no rso ner sse
				t pe pat par y pa e p whe re it is h eld , all in a rda wit h re leva isio f th e C ies Act d nt p cco nce rov ns o om pan an
				tak ing into y ad ditio nal circ t an tan acc oun ums ces
9 Gen l me etin era	79 g	of Exp lana tion oth in w hich sh hold rcis e its rig ht to vot er w ays are ers can exe e a re s doc for the al m ing. nts eet ume ge ner	et o ut in the YES
9 Gen l me etin era	80 g	Not ice of t he g ral ting is p ubli she d n o la tha n 30 da ys b efo re it is h eld ter ene mee	YES
9 Gen l me etin era	80 g	The end a, d ecis ions d a ll ot her teri als uire d fo r th ral ting ag an ma req e g ene mee are of c har on t he w ebs ite o f th ge e co mpa ny.	aila ble free av YES
Gen l me etin 9 era	80 g	All d aila ble in E ngli sh a nd C tian lan nts ocu me are av roa gua ge.	YES
Gen 9 l me etin era	81 g	All ferr ed t o in Art icle 81 of the Co de t th ral ting nt a per son s re wer e p rese e g ene mee nths mo	in t he t 12 pas YES

CH APT ER	PRO VIS ION	AR TIC LE	QU EST ION	AN SW ER (Ea ch stio n is que red by ch osi ans we ng the r fro he m t an swe dro p-d ) ow n m enu	EXP LAN ATI ON (ful fill onl y fo ion s th red wit h "N O" or " PAR TIA LLY ") est at w r qu ere an swe
9	Gen l me etin era g	81	The al a udit t th ral ting wh fina ncia l sta ext nt a tem ent ern or w as p rese e g ene mee ere s ar e ted pre sen	NO	The al a udit nted the fina ncia l rep he ting of the Su viso ext ort at t ern or p rese mee per ry Boa rd a t wh ich it w as d rmi ned in t s of the visi of Arti cle 300 d o f th ete erm pro ons e Com ies Act pan
9	Gen l me etin era g	82	The ny h ade the de sici of ral ting fre ely ilab le o n its bsit itho ut co mpa as m ons a g ene mee ava we e w dela y.	YES
9	Gen l me etin era g	82	Wit hin 30 day s fr the da f th ral ting the ny h ade aila ble its te o om e g ene mee co mpa as m av on web site fre e of ch to q tion ised at the al m eet ing. arg e a nsw ers ues s ra ge ner	NO	The esti the al m ing ask ed. at eet re w ere no qu ons ge ner
10	Cor ial res ate por soc sibi lity pon	83	The viso nd boa rds hav ed and ad ed poli cies list ed in A rticl e 8 3 o f th ent opt su per ry a ma nag e a gre e Cod e.	PAR TIA LLY	Th e B k la ly has th e in nal by -law ipu late d in Ar tic le 8 3 o f th e C ter s st an rge
10	Cor ial res ate por soc sibi lity pon	83	The olic ies aila ble free of cha the bsit ny's se p are av rge on co mpa we e.	YES
10	Cor ial res ate por soc sibi lity pon	84	Wh en t he ent boa rd a sks pri ent from the viso ry b d fo r th e d ecis ions ma nag em or c ons su per oar , ying do ent plai n ho w th nde d m is i n lin ith t he poli cies acc om pan cum s ex e re com me eas ure e w ocia ted wit h th e im f co iviti n th nvir and the t as nt o ny's act ent ass pac ses me mpa es o e e onm nity , wit h th olic ies ocia ted wit h th ion of h n rig hts and rke ight rvat rs' r com mu e p ass e p rese uma wo s and the ocia ted wit h p ion and ncti onin f co tion d b ribe ent me asu res ass rev sa g o rrup an ry.	PAR TIA LLY	Th of ali th k's h m and ing e B tio wit EU ato e p roc ess gn an op era ns ry nal lato th eal f su ble and tio uir s in ina ent sta na re gu ry r eq em e r m o bus ine ctic and vir l, s oci al a nd eri al f nta act ss pra es en on me ma nag ors nde is u r w ay.
10	Sta keh olde r eng nt age me	85	The viso ry b d a nd boa rd jo intly ide ntifi ed w hich nsid d ke ent su per oar ma nag em are co ere y stak eho lder s in rel atio n to co mpa ny.	YES
10	Sta keh olde r eng nt age me	85	Man nt b d h red the iste of effe ctiv ech anis for ular inte ract ion with age me oar as e nsu ex nce e m ms reg key sta keh olde ell a s to info the viso ry b d a bou t th sult s of the rs, a s w rm su per oar e re se nica tion com mu s.	YES
10	Sta keh olde r eng nt age me	86	The viso ry b d is tho rize d, s ubje ct to pri otifi cati on t o th iden t of the su per oar au or n e p res ent boa rd, to o nize etin ith e xte l sta keh olde hen it d s it ma nag em rga me gs w rna rs w eem nec ess ary	PAR TIA LLY	Sup isor y B d is tho rize d to unic ate with the viso r in ord erv oar au co mm su per acc anc e Cro with the atia n N atio nal Ban ks D ecis ion on t he met hod of rcis ing isio exe sup erv n of c red it in stitu tion d im ing isor s an pos sup erv y m eas ure s.
10	Sta keh olde r eng nt age me	87	In th and of e ittee of the viso ry b d it is p ided for wh ate at p e m ver y co mm su per oar rov urp ose side nt o f th itte unic ate dire ctly wit h st ake hold and wh at p dur e to pre e co mm may co mm ers roce follo w.	PAR TIA LLY	Aud it C mitt is a utho rize d to unic ate with the dit c y th at p erfo om ee co mm au om pan rms the Ba nk's sta tuto udit nt to the Au dit A ct a nd Reg ulat ion (EU ) 53 7/2 014 ry a , pu rsua