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Hrvatska Poštanska Banka d.d.
Annual / Quarterly Financial Statement • Oct 29, 2024
2090_10-q_2024-10-29_1963737a-5d12-4e4f-b28a-f6a95b2c16b6.pdf
Annual / Quarterly Financial Statement
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HPB p.l.c. 9M 2024
Unaudited Financial statements
October 2024
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. They are provided in summary form and therefore do not necessarily represent complete information. Certain statements contained herein may be statements of future expectations and other forwardlooking 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," "estimates," "potential" or "continues" 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, forward-looking statements cannot be guaranteed. Accordingly, we cannot guarantee the realization of such forward-looking statements, nor should full reliance be placed on such forward-looking statements. Many factors may affect our results of operations, financial conditions, liquidity, and developments in the industry in which we operate, and these may 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 related 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, and therefore HPB hereby expressly makes no representation of warranty of any kind including, but not limited to the accuracy, completeness or reliability of the information and data provided. This presentation is for information purposes only and does not contain a recommendation to buy or sell or an offer to sell or subscribe for shares, nor does it constitute an invitation to make an offer to sell shares.
- This presentation has been prepared and the information in it has been checked with the greatest possible care. Nevertheless, rounding and transmission cannot be excluded. When adding up rounded amounts and percentages, differences may appear.
Type and name of prescribed information: Financial statements for the period 1.1.2024 - 30.9.2024, HPB Group 9M 2024 Unaudited Financial statements for the period 1.1. - 30.9.2024 Issuer name, headquarter and address: Hrvatska poštanska banka p.l.c., Jurišićeva ulica 4, HR-10000 Zagreb Issuer's Legal Entity Identifier (LEI) 529900D5G4V6THXC5P79 Home Member State: Republic of Croatia International Securities Identification Number (ISIN) HRHPB0RA0002 Stock code (ticker): HPB-R-A Regulated market and segment: Zagreb Stock Exchange, Official market
In accordance with the Capital Markets Act, Hrvatska poštanska Banka p.l.c. (hereinafter referred to as the Bank or HPB), as the parent company of the Hrvatska poštanska banka Group (Group), publishes unaudited consolidated financial statements for the period from January 1 to September 30, 2024. Original and official report is published in Croatian.
The report includes:
- Management report of HPB Group,
- Statement by persons responsible for compiling the report of HPB Group,
- Unaudited set of consolidated financial statements (balance sheet, profit or loss statement, statement of changes in equity, cash flow statement), and
- Notes to the financial statements.
Financial statements and notes have been compiled in accordance with instructions defined in Rulebook on the content and structure of the issuer's reports for periods during the year (OG 114/2018, 27/2021, 26/2022 and 32/2023).
Statement by persons responsible for compiling the report of HPB Group
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 unaudited consolidated financial statements for the period from January 1 to September 30, 2024, 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 Tadija Vrdoljak President of the Management Board Member of the Management Board
Ivan Soldo Josip Majher
Anto Mihaljević Member of the Management Board
Member of the Management Board Member of the Management Board
Management report of HPB Group
HPB Group is, apart from the parent company – Hrvatska poštanska Banka p.l.c., consisted of HPB Invest (investment fund management) and HPB-nekretnine (real estate agency).
The HPB Group's net profit after tax is EUR 61.24 million. Net profit of the parent company amounts to EUR 61.30 million. HPB Invest realized a net loss of EUR 78.88 thousand and HPB-Nekretnine a net profit of EUR 18.19 thousand.
Marko Badurina Tadija Vrdoljak President of the Management Board Member of the Management Board
Ivan Soldo Josip Majher Member of the Management Board Member of the Management Board
Anto Mihaljević Member of the Management Board
| Annex 1 | |||||
|---|---|---|---|---|---|
| ISSUER'S GENERAL DATA | |||||
| Reporting period: | 1.1.2024 | to | 30.9.2024 | ||
| Year: | 2024 | ||||
| Quarter: | 3 | ||||
| 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, dioničko društvo | |||||
| Postcode and town: | 10000 | ZAGREB | |||
| Street and house number: JURIŠIĆEVA ULICA 4 | |||||
| E-mail address: [email protected] | |||||
| Web address: www.hpb.hr | |||||
| Number of employees (end of the reporting |
1728 | ||||
| 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 cesta 20, 10000 Zagreb | 01972278 | |||
| HPB-nekretnine d.o.o. | Jurišićeva ulica 4, 10000 Zagreb | 01972260 | |||
| Bookkeeping firm: | No | (Yes/No) | Yes No |
||
| Contact person: Tea Bažant | (name of the bookkeeping firm) | ||||
| (only name and surname of the contact person) Telephone: 014804670 |
|||||
| E-mail address: [email protected] | |||||
| Audit firm: | |||||
| Certified auditor: | (name of the audit firm) | ||||
| (name and surname) |
BALANCE SHEET balance as at 30.09.2024.
| Submitter: Hrvatska poštanska banka p.l.c. | ||||
|---|---|---|---|---|
| Item | ADP code |
Last day of the preceding business |
Current period |
|
| 1 | 2 | year 3 |
4 | |
| Assets | ||||
| Cash, cash balances at central banks and other demand deposits (from 2 | 001 | 3,103,800,978 3,217,930,204 | ||
| to 4) | ||||
| Cash in hand | 002 | 136,782,367 | 132,817,604 | |
| Cash balances at central banks Other demand deposits |
003 004 |
9,556,354 | 2,957,462,257 3,072,672,084 12,440,516 |
|
| Financial assets held for trading (from 6 to 9) | 005 | 54,809,698 | 56,513,270 | |
| Derivatives | 006 | 612,632 | 147,840 | |
| Equity instruments | 007 | 14,348,314 | 16,428,848 | |
| Debt securities | 008 | 39,848,752 | 39,936,582 | |
| Loans and advances | 009 | 0 | 0 | |
| Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13) |
010 | 490,500 | 486,283 | |
| Equity instruments | 011 | 0 | 0 | |
| Debt securities | 012 | 0 | 0 | |
| Loans and advances | 013 | 490,500 | 486,283 | |
| Financial assets at fair value through profit or loss (15 + 16) | 014 | 105,740 | 105,863 | |
| Debt securities | 015 | 105,740 | 105,863 | |
| Loans and advances | 016 | 0 | 0 | |
| Financial assets at fair value through other comprehensive income (from 18 to 20) |
017 | 4,394,287 | 4,555,698 | |
| Equity instruments Debt securities |
018 019 |
4,394,287 0 |
4,555,698 0 |
|
| Loans and advances | 020 | 0 | 0 | |
| Financial assets at amortised cost (22 + 23) | 021 | 3,786,154,629 3,969,296,494 | ||
| Debt securities | 022 | 855,856,956 1,032,395,287 | ||
| Loans and advances | 023 | 2,930,297,673 2,936,901,207 | ||
| Derivatives - hedge accounting | 024 | 0 | 0 | |
| Fair value changes of the hedged items in portfolio hedge of interest rate risk | 025 | 0 | 0 | |
| Investments in subsidiaries, joint ventures and associates | 026 | 6 | 17 | |
| Tangible assets | 027 | 60,929,284 | 56,203,122 | |
| Intangible assets | 028 | 14,620,305 | 14,642,963 | |
| Tax assets | 029 | 5,316,953 | 5,006,494 | |
| Other assets | 030 | 14,994,533 | 12,331,046 | |
| Fixed assets and disposal groups classified as held for sale Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31) |
031 032 |
0 | 742,073 7,045,616,913 7,337,813,527 |
|
| Liabilities | ||||
| Financial liabilities held for trading (from 34 to 38) | 033 | 16,165 | 13,063 | |
| Derivatives | 034 | 16,165 | 13,063 | |
| Short positions | 035 | 0 | 0 | |
| Deposits | 036 | 0 | 0 | |
| Debt securities issued | 037 | 0 | 0 | |
| Other financial liabilities | 038 | 0 | 0 | |
| Financial liabilities at fair value through profit or loss (from 40 to 42) | 039 | 0 | 0 | |
| Deposits Debt securities issued |
040 041 |
0 | 0 | |
| Other financial liabilities | 042 | 0 0 |
0 0 |
|
| Financial liabilities measured at amortised cost (from 44 to 46) | 043 | 6,417,895,965 6,670,942,201 | ||
| Deposits | 044 | 6,396,764,556 6,658,055,750 | ||
| Debt securities issued | 045 | 0 | 0 | |
| Other financial liabilities | 046 | 21,131,409 | 12,886,451 | |
| Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate |
047 | 0 | 0 | |
| risk | 048 | 0 | 0 | |
| Provisions | 049 | 41,571,561 | 36,845,477 | |
| Tax liabilities | 050 | 7,508,138 | 6,127,403 | |
| Share capital repayable on demand | 051 | 0 | 0 | |
| Other liabilities Liabilities included in disposal groups classified as held for sale |
052 053 |
45,096,050 0 |
29,023,398 0 |
|
| Total liabilities (33 + 39 + 43 + from 47 to 53) | 054 | 6,512,087,879 6,742,951,542 | ||
| Equity | ||||
| Capital | 055 | 161,970,000 | 161,970,000 | |
| Share premium | 056 | 0 | 0 | |
| Equity instruments issued other than capital | 057 | 0 | 0 | |
| Other equity Accumulated other comprehensive income |
058 059 |
0 8,645,102 |
0 8,738,439 |
|
| Retained profit | 060 | 191,829,335 | 273,606,766 | |
| Revaluation reserves | 061 | 0 | 0 | |
| Other reserves | 062 | 87,998,149 | 89,306,891 | |
| ( – ) Treasury shares | 063 | 0 | -3,920 | |
| Profit or loss attributable to owners of the parent | 064 | 83,086,448 | 61,243,809 | |
| (-–) Interim dividends Minority interests [non-controlling interests] |
065 066 |
0 | 0 | |
| Total equity (from 55 to 66) | 067 | 0 533,529,034 |
0 594,861,985 |
|
| Total equity and liabilities (54 + 67) | 068 | 7,045,616,913 7,337,813,527 |
STATEMENT OF PROFIT OR LOSS for the period 01.01.2024. to 30.09.2024.
Submitter: Hrvatska poštanska banka p.l.c.
Attributable to owners of the parent
Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 133,051,621 51,504,390 195,401,249 65,784,311 002 14,908,321 6,900,679 61,209,476 22,505,551 003 0 0 0 0 004 156,494 5,001 218,426 5,476 005 58,577,004 21,435,695 57,986,296 21,453,127 006 33,155,693 12,478,102 30,542,853 11,032,247 007 7,941 7,941 0 0 008 2,981,356 850,296 3,738,857 2,135,132 009 201,991 -252,140 1,063 576 010 0 0 0 0 011 0 0 0 0 012 -479,883 -463,257 310,793 -137,810 013 0 0 0 0 014 41,663 18,756 79,350 9,577 015 7,370,866 217,017 3,493,703 1,567,621 016 2,753,591 -551,113 2,126,222 409,499 017 151,091,448 54,496,031 167,351,186 56,870,713 018 66,837,204 16,896,002 70,580,923 22,468,443 019 87,500 12,500 0 0 020 10,590,265 3,415,362 10,079,955 2,872,381 021 -617,745 -327,265 -362,467 -218,871 022 -6,106,206 2,939,043 2,284,840 2,317,386 023 -233,295 1,600,955 9,686,095 9,189,603 024 0 0 0 0 025 172,638 0 0 0 026 0 0 0 0 027 0 0 0 0 028 0 0 0 0 029 79,125,597 29,304,904 74,356,906 19,804,029 030 11,054,468 5,943,457 13,113,097 3,580,417 031 68,071,129 23,361,447 61,243,809 16,223,612 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 68,071,129 23,361,447 61,243,809 16,223,612 036 0 0 0 0 037 68,071,129 23,361,447 61,243,809 16,223,612 038 68,071,129 23,361,447 61,243,809 16,223,612 039 317,069 -56,361 93,337 18,266 040 317,069 -56,361 93,337 18,266 041 0 0 0 0 042 0 0 0 0 043 0 0 0 0 044 0 0 0 0 045 0 0 0 0 046 400,302 -56,361 167,658 22,276 047 0 0 0 0 048 0 0 0 0 049 0 0 0 0 050 0 0 0 0 051 -83,233 0 -74,321 -4,010 052 0 0 0 0 053 0 0 0 0 054 0 0 0 0 055 0 0 0 0 056 0 0 0 0 057 0 0 0 0 058 0 0 0 0 059 0 0 0 0 060 0 0 0 0 061 68,388,198 23,305,086 61,337,146 16,241,878 062 0 0 0 0 Exchange rate differences [gain or (-) loss], net Interest income (Interest expenses) (Expenses on share capital repayable on demand) Dividend income Fees and commissions income (Fees and commissions expenses) Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net Gains or (-) losses on financial assets and liabilities held for trading, net Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss, net Gains or (-) losses on derecognition of financial assets and liabilities at fair value through profit or loss, net Gains or (-) losses from hedge accounting, net (Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates) Gains or (-) losses on derecognition of of investments in subsidiaries, joint ventures and associates, net Gains or (-) losses on derecognition of non-financial assets, net Other operating income (Other operating expenses) Total operating income, net (1 – 2 – 3 + 4 + 5 – 6 + from 7 to 15 – 16) (Administrative expenses) (Cash contributions to resolution boards and deposit guarantee schemes) (Depreciation) Modification gains or (-) losses, net (Provisions or (-) reversal of provisions) (Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss) Attributable to minority interest [non-controlling interests] (Impairment or (-) reversal of impairment on non-financial assets) Negative goodwill recognised in profit or loss Share of the profit or (-) losses of investments in subsidiaries, joint ventures and associates accounted for using the equity method Profit or (-) loss from fixed assets and disposal groups classified as held for sale not qualifying as discontinued operations Profit or (-) loss before tax from continuing operations (17 – 18 to 20 + 21 from 22 to 25 + from 26 to 28) (Tax expense or (-) income related to profit or loss from continuing operations) Profit or (-) loss after tax from continuing operations (29 – 30) Profit or (-) loss after tax from discontinued operations (33 – 34) Profit or (-) loss before tax from discontinued operations (Tax expense or (-) income related to discontinued operations) Profit or ( – ) loss for the year (31 + 32; 36 + 37) Attributable to owners of the parent Income or (-) loss for the current year Other comprehensive income (40+ 52) Items that will not be reclassified to profit or loss (from 41 to 47 + 50 + 51) Tangible assets Hedge of net investments in foreign operations [effective portion] Intangible assets Actuarial gains or (-) losses on defined benefit pension plans Fixed assets and disposal groups classified as held for sale Share of other recognised income and expense of entities accounted for using the equity method Fair value changes of equity instruments measured at fair value through other comprehensive income Gains or (-) losses from hedge accounting of equity instruments at fair Item ADP code Same period of the previous year Current period 1 Income tax relating to items that may be reclassified to profit or (-) loss Total comprehensive income for the current year (38 + 39; 62 + 63) Attributable to minority interest [non-controlling interest] STATEMENT OF OTHER COMPREHENSIVE INCOME Foreign currency translation Cash flow hedges [effective portion] Hedging instruments [not designated elements] Debt instruments at fair value through other comprehensive income Fixed assets and disposal groups classified as held for sale Share of other recognised income and expense of investments in subsidiaries, joint ventures and associates Fair value changes of equity instruments measured at fair value through Fair value changes of equity instruments measured at fair value through Fair value changes of financial liabilities measured at fair value through profit or loss attributable to changes in their credit risk Income tax relating to items that will not be reclassified Items that may be reclassified to profit or loss (from 53 to 60)
063 68,388,198 23,305,086 61,337,146 16,241,878
STATEMENT OF CASH FLOW for the period 01.01.2024 to 30.09.2024
| Submitter: Hrvatska poštanska banka p.l.c | ||||
|---|---|---|---|---|
| Item | Same period of the previous year |
At the reporting date of the current period |
||
| 1 | 2 | 3 | 4 | |
| Operating activities - direct method | ||||
| Interest received and similar receipts | 001 | 0 | 0 | |
| Fees and commissions received | 002 | 0 | 0 | |
| (Interest paid and similar expenditures) | 003 | 0 | 0 | |
| (Fees and commissions paid) | 004 005 |
0 | 0 | |
| (Operating expenses paid) Net gains/losses from financial instruments at fair value through |
0 | 0 | ||
| statement of profit or loss | 006 | 0 | 0 | |
| Other receipts | 007 | 0 | 0 | |
| (Other expenditures) | 008 | 0 | 0 | |
| Operating activities - indirect method | ||||
| Profit/(loss) before tax | 009 | 79,125,597 | 74,356,906 | |
| Adjustments: | 0 | 0 | ||
| Impairment and provisions | 010 | -6,957,246 | 11,970,935 | |
| Depreciation Net unrealised (gains)/losses on financial assets and liabilities at fair |
011 | 10,590,265 | 10,079,955 | |
| value through statement of profit or loss | 012 | -3,191,288 | -3,739,920 | |
| (Profit)/loss from the sale of tangible assets | 013 | 0 | -79,350 | |
| Other non-cash items | 014 | -118,143,300 | -134,358,525 | |
| Changes in assets and liabilities from operating activities | ||||
| Deposits with the Croatian National Bank | 015 | 0 | 0 | |
| Deposits with financial institutions and loans to financial institutions | 016 | 0 | 0 | |
| Loans and advances to other clients | 017 | 126,121,309 | -6,603,534 | |
| Securities and other financial instruments at fair value through other comprehensive income |
018 | -4,843,587 | -161,411 | |
| Securities and other financial instruments held for trading | 019 | 14,031,448 | -1,703,573 | |
| Securities and other financial instruments at fair value through statement of profit or loss, not traded |
020 | 0 | 0 | |
| Securities and other financial instruments mandatorily at fair value through statement of profit or loss |
021 | 0 | 4,217 | |
| Securities and other financial instruments at amortised cost | 022 | -16,822,608 | -176,538,331 | |
| Other assets from operating activities | 023 | 4,400,859 | 2,663,487 | |
| Deposits from financial institutions | 024 | -1,125,453 | 130,749,846 | |
| Transaction accounts of other clients | 025 | 405,216,635 | -185,596,842 | |
| Savings deposits of other clients | 026 | -291,387,932 | -19,744,863 | |
| Time deposits of other clients | 027 | 100,546,083 | 353,384,574 | |
| Derivative financial liabilities and other liabilities held for trading | 028 | 6,299,976 | -3,102 | |
| Other liabilities from operating activities | 029 | -10,609,969 | -28,898,796 | |
| Interest received from operating activities [indirect method] | 030 | 133,051,621 | 195,401,249 | |
| Dividends received from operating activities [indirect method] Interest paid from operating activities [indirect method] |
031 032 |
156,494 -14,908,321 |
5,476 -61,209,476 |
|
| (Income tax paid) | 033 | 0 | -14,183,373 | |
| Net cash flow from operating activities (from 1 to 33) | 034 | 411,550,583 | 145,795,549 | |
| Investing activities | ||||
| Cash receipts from the sale / payments for the purchase of tangible and intangible assets |
035 | -11,266,306 | -14,363,482 | |
| Cash receipts from the sale / payments for the purchase of investments in branches, associates and joint ventures |
036 | 0 | 0 | |
| Cash receipts from the sale / payments for the purchase of securities and other financial instruments held to maturity |
037 | -369,534 | 0 | |
| Dividends received from investing activities | 038 | 0 | 0 | |
| Other receipts/payments from investing activities | 039 | 0 | -11 | |
| Net cash flow from investing activities (from 35 to 39) | 040 | -11,635,840 | -14,363,493 | |
| Financing activities | ||||
| Net increase/(decrease) in loans received from financing activities | 041 | 34,050,743 | -17,309,109 | |
| Net increase/(decrease) in debt securities issued | 042 | 0 | 0 | |
| Net increase/(decrease) in Tier 2 capital instruments | 043 | 0 | 0 | |
| Increase in share capital (Dividends paid) |
044 045 |
0 0 |
0 0 |
|
| Other receipts/(payments) from financing activities | 046 | 0 | 0 | |
| Net cash flow from financing activities (from 41 to 46) | 047 | 34,050,743 | -17,309,109 | |
| Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47) | 048 | 433,965,486 | 114,122,947 | |
| Cash and cash equivalents at the beginning of period | 049 | 1,472,054,192 | 3,103,800,978 | |
| Effect of exchange rate fluctuations on cash and cash equivalents | 050 | -479,883 | 6,279 | |
| Cash and cash equivalents at the end of period (48 + 49 + 50) | 051 | 1,905,539,795 | 3,217,930,204 |
STATEMENT OF CHANGES IN EQUITY
to30.9.2024for the period from
| Attr ibut able |
of to own ers |
the t pa ren |
Non ntro -co |
lling int st ere |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sou s of uity ch rce eq ang es |
ADP cod e |
Equ ity |
Sha re pre miu m |
Equ ity inst ent rum s issu ed oth han er t ital cap |
Oth quit er e y |
Acc ulat ed um oth er hen si com pre ve i nco me |
Reta ined prof it |
Rev alua tion rese rves |
Oth er rese rves |
( ) T reas ury sha res |
Prof it or ( - ) loss attri buta ble to of th own ers e nt pare |
(-) In terim divi den ds |
Acc ulat ed um oth er hen si com pre ve i nco me |
Oth er i tem s |
Tot al |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| Ope ning ba lanc e [b efo ] esta tem ent re r |
001 | 161 ,970 ,000 |
0 | 0 | 0 | 8,6 45, 102 |
191 ,829 ,335 |
0 | 87, 998 ,14 9 |
0 | 83, 086 ,44 8 |
0 | 0 | 0 | 533 ,529 ,034 |
| Effe cts of e rect ions rror cor |
002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Effe of c han in ting licie cts ges acc oun po s |
003 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ope ning ba lanc e [c erio d] ( 1 + 2 + 3) nt p urre |
004 | 161 ,970 ,000 |
0 | 0 | 0 | 8,64 5,10 2 |
191 ,829 ,335 |
0 | 87,9 98,1 49 |
0 | 83,0 86,4 48 |
0 | 0 | 0 | 533 ,529 ,034 |
| Ord inar y sh iss ares ue |
005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre fere sha issu nce res e |
006 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Issu e of oth quit y in stru ts er e men |
007 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exe rcis pira tion of oth quit y in stru ts e o r ex er e men issu ed |
008 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Con ion of r viab les quit y in to e stru ts vers ece men |
009 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cap ital red ion uct |
010 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Divi den ds |
011 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pur cha f tre hare se o asu ry s s |
012 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,9 20 |
0 | 0 | 0 | 0 | -3,9 20 |
| Sale cell atio n of tre hare or can asu ry s s Rec lass ifica tion of f inan cial ins fro quit trum ents y to m e |
013 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| liab ility |
014 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rec lass ifica tion of f inan cial ins trum ents fro m li abil ity t o ity equ |
015 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tra nsfe ent s of uity rs a mo ng c om pon eq |
016 | 0 | 0 | 0 | 0 | 0 | 81, 777 ,71 6 |
0 | 0 | 0 | -81 ,777 ,716 |
0 | 0 | 0 | 0 |
| Equ ity i r ( - ) d sult ing from ncr eas e o ecr eas e re bus ines mb inat ions s co |
017 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sha re b d p ent ase aym s |
018 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Oth er i r (-) de in e quit ncr eas e o cre ase y |
019 | 0 | 0 | 0 | 0 | 0 | -28 5 |
0 | 1,3 08, 742 |
0 | -1,3 08, 732 |
0 | 0 | 0 | -275 |
| Tot al c hen sive inc e fo r th t ye om pre om e cu rren ar |
020 | 0 | 0 | 0 | 0 | 93, 337 |
0 | 0 | 0 | 0 | 61, 243 ,80 9 |
0 | 0 | 0 | 61,3 37,1 46 |
| Clo sing ba lanc e [c erio d] ( from o 20 ) nt p 4 t urre |
021 | 161 ,970 ,000 |
0 | 0 | 0 | 8,73 8,43 9 |
273 ,606 ,766 |
0 | 89,3 06,8 91 |
-3,9 20 |
61,2 43,8 09 |
0 | 0 | 0 | 594 ,861 ,985 |
| Notes to financial statements | ||||||
|---|---|---|---|---|---|---|
| 1) INTEREST INCOME | in EUR | |||||
| AOP 001 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Debt securities | Cumulative 12,176,978 |
Quarter 4,692,247 |
Cumulative 17,593,380 |
Quarter 6,919,285 |
||
| Loans and advances Other assets |
91,009,093 29,856,178 |
32,088,612 14,719,019 |
95,252,371 82,549,866 |
32,060,502 26,802,706 |
||
| Deposits Other liabilities |
9,371 - |
4,511 - |
5,632 - |
1,818 - |
||
| Total | 133,051,620 | 51,504,390 | 195,401,249 | 65,784,311 | ||
| 2) INTEREST EXPENSE | in EUR | |||||
| AOP 002 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Debt securities | Cumulative - |
Quarter - |
Cumulative - |
Quarter - |
||
| Loans and advances Other assets |
7,537 - |
3,803 - |
168 - |
18 - |
||
| Deposits Other liabilities |
14,856,155 44,629 |
6,890,149 6,727 |
60,532,378 676,930 |
22,036,422 469,111 |
||
| Total | 14,908,321 | 6,900,679 | 61,209,476 | 22,505,551 | ||
| 3) FEE AND COMMISSION INCOME | in EUR | |||||
| AOP 005 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Payment transactions | Cumulative 30,616,532 |
Quarter 10,692,991 |
Cumulative 30,728,943 |
Quarter 10,823,543 |
||
| Account and package fees Card business |
9,220,078 3,954,686 |
3,754,755 1,598,419 |
8,989,617 3,803,480 |
2,977,985 1,333,977 |
||
| Mobile and Internet banking Other |
1,847,911 12,937,796 |
754,922 4,634,608 |
1,817,183 12,647,073 |
568,849 5,748,773 |
||
| Total | 58,577,004 | 21,435,695 | 57,986,296 | 21,453,127 | ||
| 4) FEE AND COMMISSION EXPENSE | in EUR | |||||
| AOP 006 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Payment transactions | Cumulative 20,330,920 |
Quarter 6,623,563 |
Cumulative 19,248,206 |
Quarter 6,657,367 |
||
| Other Total |
12,824,773 33,155,693 |
5,854,539 12,478,102 |
11,294,647 30,542,853 |
4,374,880 11,032,247 |
||
| 5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES | in EUR | |||||
| AOP 007 | Same period of the previous year 01.01.- | Current period 01.01. – 30.09.2024 | ||||
| 30.09.2023 Cumulative |
Quarter | Cumulative | Quarter | |||
| Debt securities Loans and advances |
(1,936) - |
(1,936) - |
- - |
- - |
||
| Deposits Debt Securities issued |
- - |
- - |
- - |
- - |
||
| Other financial liabilities Total |
9,877 7,941 |
9,877 7,941 |
- - |
- - |
||
| 6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING | in EUR | |||||
| AOP 008 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Cumulative | Quarter | Cumulative | Quarter | |||
| Equity instruments Debt securities |
1,385,647 (345,831) |
132,670 (255,702) |
2,105,138 585,802 |
820,338 523,570 |
||
| FX transactions and derivatives Total |
1,941,540 2,981,355 |
973,327 850,296 |
1,047,917 3,738,857 |
791,225 2,135,133 |
||
| 7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS | in EUR | |||||
| AOP 009 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Cumulative | Quarter | Cumulative | Quarter | |||
| Equity instruments Debt securities |
- - |
- - |
- - |
- - |
||
| Loans and advances Total |
201,991 201,991 |
(252,140) (252,140) |
1,063 1,063 |
577 577 |
||
| 8) OPERATING EXPENSES | in EUR | |||||
| AOP 016 & AOP 018 & AOP 019 & AOP 020 | Same period of the previous year 01.01.- 30.09.2023 |
Current period 01.01. – 30.09.2024 | ||||
| Other operating expenses | Cumulative 2,753,590 |
Quarter (551,113) |
Cumulative 2,126,223 |
Quarter 409,500 |
||
| Administrative expenses | 66,837,203 | 16,896,002 | 70,580,923 | 22,468,443 | ||
| Employee expenses Other administrative expenses |
37,924,398 28,912,805 |
12,401,599 4,494,403 |
41,345,367 29,235,556 |
13,512,739 8,955,705 |
||
| (Contributions in cash rehabilitation committees and Deposit Insurance Schemes) Amortization |
87,500 10,590,266 |
12,500 3,415,362 |
- 10,079,955 |
- 2,872,380 |
||
| Property, plant and equipment Investment property |
6,415,848 - |
2,341,082 - |
6,381,471 - |
1,972,212 - |
||
| Other intangible assets Total |
4,174,418 80,268,560 |
1,074,280 19,772,751 |
3,698,484 82,787,100 |
900,168 25,750,324 |
||
| 9) IMPAIRMENT LOSSES AND PROVISION EXPENSES | in EUR | |||||
| AOP 021 & AOP 022 & AOP 023 & AOP 024 | Same period of the previous year 01.01.- | Current period 01.01. – 30.09.2024 | ||||
| 30.09.2023 Cumulative |
Quarter | Cumulative | Quarter | |||
| Modification gains or (-) losses, net AOP 021 Financial assets at fair value through other comprehensive income |
(617,745) - |
(327,264) - |
(362,467) - |
(218,872) - |
||
| Financial assets at amortized cost (Provisions or (-) reversal of provisions) AOP 022 |
(617,745) (6,106,206) |
(327,264) 2,939,043 |
(362,467) 2,284,840 |
(218,872) 2,317,386 |
||
| Liabilities towards resolution committees and deposit insurance systems | - | - | - | - | ||
| (Liabilities and Guarantees) (Other Provisions) |
(5,306,782) (799,424) |
(1,739,409) 4,678,453 |
2,698,530 (413,690) |
2,046,599 270,787 |
||
| (Impairment or (-) reversal of impairment on financial assets that are not measured at fair value through profit or loss) AOP 023 |
(233,294) | 1,600,956 | 9,686,095 | 9,189,604 | ||
| (Financial assets at fair value through other comprehensive income) (Financial assets at amortized cost) |
- (233,294) |
- 1,600,956 |
- 9,686,095 |
- 9,189,604 |
||
| (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and associates) |
- | - | - | - | ||
| (Impairment or (-) reversal of impairment off non-financial assets) AOP 024 | 172,638 | - | - | - | ||
| (Property, plant and equipment) (Investment property) |
31,303 - |
- - |
- - |
- - |
||
| (Goodwill) | - | - | - | - | ||
| (Other intangible assets) (Other) |
141,335 - |
- - |
- - |
- - |
||
| Total (AOP 022 + AOP 023 + AOP 024 - AOP 021) | (5,549,117) | 4,867,263 | 12,333,403 | 11,725,861 | ||
| 10) LOANS AND ADVANCES AOP 023 |
31.12.2023 | 30.9.2024 | in EUR | |||
| Central banks | Stage 1 - |
Stage 2 - |
Stage 3 - |
Stage 1 734,116 |
Stage 2 - |
Stage 3 |
| Mandatory reserve Allowance |
- - |
- - |
- - |
- - |
- - |
|
| Other receivables Allowance |
- - |
- - |
- - |
734,116 - |
- - |
|
| Government | 448,859,075 | 1,773,946 | 2,846,111 | 404,016,274 | 1,310,916 | 2,814,689 |
| Gross loans Allowance |
450,089,885 (1,230,810) |
1,805,576 (31,630) |
2,916,570 (70,459) |
405,476,889 (1,460,615) |
1,326,920 (16,004) |
2,884,921 (70,232) |
| Credit institutuions Gross loans |
1,564,563 16,432 |
- - |
168 172 |
125,086 1,579 |
- - |
|
| Allowance Deposits |
- 1,551,167 |
- - |
(4) - |
(1) 123,817 |
- - |
|
| Allowance Other financial institutions |
(3,035) 37,699,866 |
- 6,402 |
- 527 |
(309) 60,244,873 |
- 2,369 |
166 |
| Gross loans Allowance |
35,792,179 (197,893) |
11,336 (4,934) |
132,772 (132,245) |
58,482,517 (322,844) |
2,584 (214) |
180 (15) |
| Deposits Allowance |
2,157,717 (52,138) |
- - |
- - |
2,136,833 (51,633) |
- - |
|
| Non - financial institutions Gross loans |
652,151,087 661,450,783 |
186,276,332 195,925,509 |
36,332,874 98,793,546 |
718,105,488 727,155,680 |
146,411,098 157,639,661 |
27,876,067 85,135,324 |
| Allowance | (9,299,697) | (9,649,177) | (62,460,672) | (9,050,193) | (11,228,563) | (57,259,257) |
| Retail Gross loans |
1,273,097,668 1,279,022,452 |
255,463,828 277,544,147 |
34,225,225 167,697,343 |
1,282,029,729 1,287,260,902 |
260,910,721 283,820,923 |
32,319,614 175,458,414 |
| Allowance Total |
(5,924,784) 2,413,372,259 |
(22,080,319) 443,520,509 - |
(133,472,118) 73,404,905 |
(5,231,172) 2,465,255,566 |
(22,910,201) 408,635,105 |
(143,138,799) 63,010,535 |
| 11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS | in EUR | |||||
| AOP 013 Central banks |
31.12.2023 - |
30.9.2024 - |
||||
| Local state Credit institutions |
- - |
- - |
||||
| Other financial institutions | - - |
- | ||||
| - | ||||||
| Non - financial institutions Retail |
490,500 | 486,283 | ||||
| Total | 490,500 | 486,283 | ||||
| 12) DEPOSITS AOP 044 |
31.12.2023 | in EUR 30.9.2024 |
Credit institutions 119,203,207 209,194,672 Other financial institutions 317,594,138 382,770,401 Non - financial institutions 896,908,882 793,726,269 Retail 3,138,752,794 3,396,304,050 Total 6,396,764,556 6,658,055,750