Hrvatska Poštanska Banka d.d.

Annual / Quarterly Financial Statement • Feb 24, 2025

HPB Group Unaudited Financial statements February ²⁰²⁵ 12M 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 forwardlooking 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 - 31.12.2024,
	HPB Group 12M 2024 Unaudited Financial statements for the period 1.1. – 31.12.2024
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 December 31, 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.

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 73.54 million. Net profit of the parent company amounts to EUR 73.63 million. HPB Invest realized a net loss of EUR 64.12 thousand and HPB-Nekretnine a net loss of EUR 32.26 thousand.

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

We are creating conditions for a better life in Croatia.

HEADQUARTER
Address:	Jurišićeva 4
	HR - 10000 Zagreb
Telephones:	072 472 472
	0800 472 472
	+385 1 4805 057
Fax:	+385 1 4810 773
E-mail:	hpb@hpb.hr

HPB LinkedIn HPB HPB Invest HPB Nekretnine

Annex 1
		ISSUER'S GENERAL DATA
Reporting period:		1.1.2024	to	31.12.2024
Year:		2024
Quarter:		4
		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: hpb@hpb.hr
	Web address: www.hpb.hr
Number of employees (end of the reporting	1720
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
					Yes No
Bookkeeping firm:	No	(Yes/No)		(name of the bookkeeping firm)
Contact person: Tea Bažant	(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)

BALANCE SHEET balance as at 31.12.2024.

Submitter: Hrvatska poštanska banka p.l.c.
Item	ADP code	Last day of the preceding business year	Current period
1	2	3	4
Assets
Cash, cash balances at central banks and other demand deposits (from 2 to 4)	001		3,103,800,978 3,798,726,463
Cash in hand	002	136,782,367	133,826,421
Cash balances at central banks	003		2,957,462,257 3,654,552,643
Other demand deposits	004	9,556,354	10,347,399
Financial assets held for trading (from 6 to 9) Derivatives	005 006	54,809,698 612,632	66,015,020 0
Equity instruments	007	14,348,314	27,486,733
Debt securities	008	39,848,752	38,528,287
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	498,236
Equity instruments	011	0	0
Debt securities	012	0	0
Loans and advances	013	490,500	498,236
Financial assets at fair value through profit or loss (15 + 16)	014	105,740	106,024
Debt securities Loans and advances	015 016	105,740	106,024
Financial assets at fair value through other comprehensive income		0	0
(from 18 to 20)	017	4,394,287	5,462,269
Equity instruments Debt securities	018 019	4,394,287 0	5,462,269 0
Loans and advances	020	0	0
Financial assets at amortised cost (22 + 23)	021		3,786,154,629 3,919,006,922
Debt securities	022		855,856,956 1,032,259,212
Loans and advances	023		2,930,297,673 2,886,747,710
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	0
Tangible assets	027	60,929,284	55,684,687
Intangible assets	028	14,620,305	14,915,410
Tax assets	029	5,316,953	4,429,368
Other assets	030	14,994,533	16,943,513
Fixed assets and disposal groups classified as held for sale	031	0	0
Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31)	032		7,045,616,913 7,881,787,912
Liabilities Financial liabilities held for trading (from 34 to 38)
Derivatives	033 034	16,165 16,165	541,807 541,807
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	040	0	0
Debt securities issued	041	0	0
Other financial liabilities	042	0	0
Financial liabilities measured at amortised cost (from 44 to 46)	043		6,417,895,965 7,243,202,842
Deposits Debt securities issued	044 045	0	6,396,764,556 7,181,675,224 0
Other financial liabilities	046	21,131,409	61,527,618
Derivatives - hedge accounting	047	0	0
Fair value changes of the hedged items in portfolio hedge of interest rate risk	048	0	0
Provisions	049	41,571,561	41,482,275
Tax liabilities	050	7,508,138	6,048,067
Share capital repayable on demand	051	0	0
Other liabilities	052	45,096,050	30,999,568
Liabilities included in disposal groups classified as held for sale Total liabilities (33 + 39 + 43 + from 47 to 53)	053 054	0	0 6,512,087,879 7,322,274,559
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	058	0	0
Accumulated other comprehensive income Retained profit	059 060	8,645,102	9,482,965
Revaluation reserves	061	191,829,335 0	225,218,228 0
Other reserves	062	87,998,149	89,306,891
( – ) Treasury shares	063	0	0
Profit or loss attributable to owners of the parent	064	83,086,448	73,535,269
(-–) Interim dividends	065	0	0
Minority interests [non-controlling interests]	066	0	0
Total equity (from 55 to 66) Total equity and liabilities (54 + 67)	067 068	533,529,034	559,513,353 7,045,616,913 7,881,787,912

STATEMENT OF PROFIT OR LOSS for the period 01.01.2024. to 31.12.2024.

Attributable to minority interest [non-controlling interest]

Attributable to owners of the parent

Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 192,963,374 59,911,753 261,117,170 65,715,921 002 28,754,207 13,845,886 83,382,702 22,173,226 003 0 0 0 0 004 162,114 5,620 224,832 6,406 005 76,520,651 17,943,647 77,334,360 19,348,064 006 43,357,300 10,201,607 41,438,977 10,896,124 007 48,460 40,519 0 0 008 6,412,720 3,431,364 5,348,492 1,609,635 009 202,518 527 56,309 55,246 010 0 0 0 0 011 0 0 0 0 012 -1,057,726 -577,843 606,745 295,952 013 0 0 0 0 014 41,877 214 1,394,753 1,315,403 015 8,666,902 1,296,036 3,836,068 342,365 016 4,511,354 1,757,763 2,730,760 604,538 017 207,338,029 56,246,581 222,366,290 55,015,104 018 91,989,197 25,151,993 96,914,412 26,333,489 019 1,639,947 1,552,447 0 0 020 14,490,652 3,900,387 13,278,522 3,198,567 021 -423,864 193,881 -557,819 -195,352 022 -6,745,341 -639,135 7,759,334 5,474,494 023 5,479,970 5,713,265 13,806,018 4,119,923 024 0 0 0 0 025 2,837,102 2,664,464 0 0 026 0 0 0 0 027 0 0 0 0 028 0 0 0 0 029 97,222,638 18,097,041 90,050,185 15,693,279 030 14,136,190 3,081,722 16,514,916 3,401,819 031 83,086,448 15,015,319 73,535,269 12,291,460 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 83,086,448 15,015,319 73,535,269 12,291,460 036 0 0 0 0 037 83,086,448 15,015,319 73,535,269 12,291,460 038 83,086,448 15,015,319 73,535,269 12,291,460 039 624,407 307,339 837,863 744,526 040 624,407 307,339 837,863 744,526 041 0 0 0 0 042 0 0 0 0 043 0 0 0 0 044 0 0 0 0 045 0 0 0 0 046 707,640 307,339 1,075,616 907,958 047 0 0 0 0 048 0 0 0 0 049 0 0 0 0 050 0 0 0 0 051 -83,233 0 -237,753 -163,432 052 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 83,710,855 15,322,658 74,373,132 13,035,986 Income tax relating to items that may be reclassified to profit or (-) loss Total comprehensive income for the current year (38 + 39; 62 + 63) 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) Item ADP code Same period of the previous year Current period 1 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 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 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) (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) Submitter: Hrvatska poštanska banka p.l.c. 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

062 0 0 0 0 063 83,710,855 15,322,657 74,373,132 13,035,986

STATEMENT OF CASH FLOW for the period 01.01.2024 to 31.12.2024

Submitter: Hrvatska poštanska banka p.l.c
Item	ADP code	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	0	0
(Operating expenses paid) Net gains/losses from financial instruments at fair value through	005 006	0 0	0 0
statement of profit or loss Other receipts	007	0	0
(Other expenditures)	008	0	0
Operating activities - indirect method
Profit/(loss) before tax	009	97,222,638	90,050,185
Adjustments:		0	0
Impairment and provisions	010	1,995,595	21,565,352
Depreciation	011	14,490,652	13,278,522
Net unrealised (gains)/losses on financial assets and liabilities at fair
value through statement of profit or loss	012	-4,433,078	-5,404,801
(Profit)/loss from the sale of tangible assets	013	0	-1,394,753
Other non-cash items	014	-163,149,581	-178,008,226
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	401,717,909	43,549,963
Securities and other financial instruments at fair value through other comprehensive income	018	-586,000	-1,067,982
Securities and other financial instruments held for trading	019	11,813,243	-11,205,322
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	-7,736
Securities and other financial instruments at amortised cost	022	-58,972,142	-176,402,256
Other assets from operating activities	023	-667,429	-1,948,980
Deposits from financial institutions	024	60,383,971	209,716,508
Transaction accounts of other clients	025	894,102,619	399,294,389
Savings deposits of other clients	026	-385,324,935	-18,777,473
Time deposits of other clients	027	469,743,840	219,561,983
Derivative financial liabilities and other liabilities held for trading	028	-54,636	525,642
Other liabilities from operating activities	029	-12,342,529	-28,094,117
Interest received from operating activities [indirect method]	030	192,961,255	261,117,170
Dividends received from operating activities [indirect method]	031	0	6,406
Interest paid from operating activities [indirect method]	032	-28,753,570	-83,382,702
(Income tax paid)	033	0	-17,087,402
Net cash flow from operating activities (from 1 to 33) Investing activities	034	1,490,147,822	735,884,370
Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-9,359,487	-11,037,087
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	037	0	0
and other financial instruments held to maturity Dividends received from investing activities	038	0	0
Other receipts/payments from investing activities	039	0	6
Net cash flow from investing activities (from 35 to 39)	040	-9,359,487	-11,037,081
Financing activities Net increase/(decrease) in loans received from financing activities	041	151,100,976	-24,643,812
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	044	0	0
(Dividends paid)	045	0	-5,284,271
Other receipts/(payments) from financing activities	046	0	0
Net cash flow from financing activities (from 41 to 46)	047	151,100,976	-29,928,083
Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	1,631,889,311	694,919,206
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	-142,525	6,279
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	3,103,800,978	3,798,726,463

STATEMENT OF CHANGES IN EQUITY

to31.12.2024 for the period from

		Attr ibut able of the Non lling int to t ntro st own ers pa ren -co 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	-48 ,388 ,538	0	0	0	0	0	0	0	-48 ,388 ,538
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	013 014	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0	3,9 20 0	0 0	0 0	0 0	0 0	3,92 0 0
liab ility 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 7	0	0	0	-81 ,777 ,717	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 6	0	1,3 08, 742	0	-1,3 08, 731	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	837 ,86 3	0	0	0	0	73, 535 ,26 9	0	0	0	74,3 73,1 32
Clo sing ba lanc e [c erio d] ( from o 20 ) nt p 4 t urre	021	161 ,970 ,000	0	0	0	9,48 2,96 5	225 ,218 ,228	0	89,3 06,8 91	0	73,5 35,2 69	0	0	0	559 ,513 ,353

Notes to financial statements
1) INTEREST INCOME				in EUR
AOP 001	Same period of the previous year 01.01.- 31.12.2023		Current period 01.01. – 31.12.2024
Debt securities	Cumulative 18,287,657	Quarter 6,110,679	Cumulative 24,750,734	Quarter 7,157,354
Loans and advances Other assets	122,079,918 52,582,389	31,070,825 22,726,211	127,010,185 109,350,259	31,757,814 26,800,393
Deposits Other liabilities	13,409 -	4,038 -	5,992 -	360 -
Total	192,963,373	59,911,753	261,117,170	65,715,921
2) INTEREST EXPENSE				in EUR
AOP 002	Same period of the previous year 01.01.- 31.12.2023		Current period 01.01. – 31.12.2024
Debt securities	Cumulative -	Quarter -	Cumulative -	Quarter -
Loans and advances Other assets	8,156 -	619 -	178 -	10 -
Deposits Other liabilities	28,645,709 100,343	13,789,553 55,714	83,169,247 213,277	22,636,869 (463,653)
Total	28,754,208	13,845,887	83,382,702	22,173,226
3) FEE AND COMMISSION INCOME	Same period of the previous year 01.01.-			in EUR
AOP 005	31.12.2023 Cumulative	Quarter	Current period 01.01. – 31.12.2024 Cumulative	Quarter
Payment transactions	40,643,119	10,026,587	42,122,856	11,393,913
Account and package fees Card business	12,207,547 5,252,413	2,987,469 1,297,726	11,938,953 5,036,672	2,949,336 1,233,192
Mobile and Internet banking Other	2,492,899 15,924,674	644,987 2,986,878	2,409,680 15,826,200	592,497 3,179,126
Total	76,520,651	17,943,647	77,334,360	19,348,064
4) FEE AND COMMISSION EXPENSE AOP 006	Same period of the previous year 01.01.-		Current period 01.01. – 31.12.2024	in EUR
	31.12.2023 Cumulative	Quarter	Cumulative	Quarter
Payment transactions Other	26,768,074 16,589,226	6,437,154 3,764,453	26,285,677 15,153,300	7,037,470 3,858,654
Total	43,357,300	10,201,607	41,438,977	10,896,124
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES	Same period of the previous year 01.01.-			in EUR
AOP 007	31.12.2023 Cumulative	Quarter	Current period 01.01. – 31.12.2024 Cumulative	Quarter
Debt securities Loans and advances	(1,936) -	- -	- -	- -
Deposits	-	-	-	-
Debt Securities issued Other financial liabilities	- 50,397	- 40,520	- -	- -
Total	48,460	40,520	-	-
6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING AOP 008	Same period of the previous year 01.01.-		Current period 01.01. – 31.12.2024	in EUR
	31.12.2023 Cumulative	Quarter	Cumulative	Quarter
Equity instruments Debt securities	2,049,867 1,073,028	664,220 1,418,859	3,163,024 1,231,884	1,057,885 646,082
FX transactions and derivatives Total	3,289,825 6,412,720	1,348,285 3,431,364	953,584 5,348,492	(94,333) 1,609,635
7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS AOP 009	Same period of the previous year 01.01.-		Current period 01.01. – 31.12.2024	in EUR
	31.12.2023 Cumulative	Quarter	Cumulative	Quarter
Equity instruments Debt securities	- -	- -	- -	- -
Loans and advances Total	202,518 202,518	527 527	56,309 56,309	55,246 55,246
8) OPERATING EXPENSES				in EUR
AOP 016 & AOP 018 & AOP 019 & AOP 020	Same period of the previous year 01.01.- 31.12.2023		Current period 01.01. – 31.12.2024
Other operating expenses	Cumulative 4,511,354	Quarter 1,757,763	Cumulative 2,730,760	Quarter 604,537
Administrative expenses	91,989,196	25,151,993	96,914,412	26,333,489
Employee expenses Other administrative expenses	51,780,973 40,208,223	13,856,575 11,295,418	56,534,023 40,380,389	15,188,656 11,144,832
(Contributions in cash rehabilitation committees and Deposit Insurance Schemes) Amortization	1,639,947 14,490,652	1,552,447 3,900,387	- 13,278,522	- 3,198,567
Property, plant and equipment Investment property	8,513,536 -	2,097,688 -	7,852,267 -	1,470,796 -
Other intangible assets Total	5,977,116 112,631,149 -	1,802,699 32,362,590	5,426,255 112,923,694	1,727,771 30,136,593
9) IMPAIRMENT LOSSES AND PROVISION EXPENSES				in EUR
AOP 021 & AOP 022 & AOP 023 & AOP 025	Same period of the previous year 01.01.- 31.12.2023		Current period 01.01. – 31.12.2024
Modification gains or (-) losses, net AOP 021	Cumulative (423,864)	Quarter 193,881	Cumulative (557,819)	Quarter (195,352)
Financial assets at fair value through other comprehensive income	-	-	-	-
Financial assets at amortized cost (Provisions or (-) reversal of provisions) AOP 022	(423,864) (6,745,341)	193,881 (639,135)	(557,819) 7,759,334	(195,352) 5,474,495
Liabilities towards resolution committees and deposit insurance systems (Liabilities and Guarantees)	- (6,149,921)	- (843,139)	- 1,585,245	- (1,113,285)
(Other Provisions) (Impairment or (-) reversal of impairment on financial assets that are not measured at fair	(595,419)	204,004	6,174,090	6,587,780
value through profit or loss) AOP 023 (Financial assets at fair value through other comprehensive income)	5,479,971 -	5,713,265 -	13,806,018 -	4,119,923 -
(Financial assets at amortized cost) (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and	5,479,971	5,713,265	13,806,018	4,119,923
associates) (Impairment or (-) reversal of impairment off non-financial assets) AOP 025	- 2,837,102	- 2,664,464	- -	- -
(Property, plant and equipment) (Investment property)	29,699 (49,859)	(1,604) (49,859)	- -	- -
(Goodwill) (Other intangible assets)	- 2,857,261	- 2,715,926	- -	- -
(Other) Total (AOP 022 + AOP 023 + AOP 025 - AOP 021)	- 1,995,596	- 7,544,713	- 22,123,172	- 9,789,769
10) LOANS AND ADVANCES
AOP 023	Stage 1	31.12.2023 Stage 2	Stage 3	Stage 1	31.12.2024 Stage 2
Central banks Mandatory reserve	- -	- -	- -	213,399 -	- -
Allowance Other receivables	- -	- -	- -	- 213,399	- -
Allowance	-	-	-	-	-
Government Gross loans	448,859,075 450,089,885	1,773,946 1,805,576	2,846,111 2,916,570	346,482,362 347,658,404	5,953,843 6,134,924
Allowance Credit institutuions	(1,230,810) 1,564,563	(31,630) -	(70,459) 168	(1,176,042) 40,738	(181,082) -
Gross loans Allowance	16,432 -	- -	172 (4)	972 (1)	- -
Deposits Allowance	1,551,167 (3,035)	- -	- -	39,866 (100)	- -
Other financial institutions Gross loans	37,699,866 35,792,179	6,402 11,336	527 132,772	63,268,291 61,273,417	228 240
Allowance Deposits	(197,893) 2,157,717	(4,934) -	(132,245) -	(249,286) 2,282,918	(12) -	in EUR Stage 3 - - - - - 2,815,323 2,885,568 (70,245) - - - - - 2,528 2,591 (63) -
Allowance Non - financial institutions	(52,138) 652,151,087	- 186,276,332	- 36,332,874	(38,758) 694,049,086	- 174,118,276
Gross loans Allowance	661,450,783 (9,299,697)	195,925,509 (9,649,177)	98,793,546 (62,460,672)	701,452,939 (7,403,852)	185,847,426 (11,729,150)
Retail Gross loans	1,273,097,668 1,279,022,452	255,463,828 277,544,147	34,225,225 167,697,343	1,286,114,799 1,291,875,469	257,183,607 279,945,724	- 26,140,616 73,647,622 (47,507,006) 30,364,613 127,174,656
Allowance Total	(5,924,784) 2,413,372,259	(22,080,319) 443,520,509 -	(133,472,118) 73,404,905	(5,760,670) 2,390,168,677	(22,762,117) 437,255,954	(96,810,043) 59,323,080
		in EUR
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS AOP 013	31.12.2023	31.12.2024
Central banks Local state	- -	- -
Credit institutions Other financial institutions	- -	- -
Non - financial institutions Retail	- 490,500	- 498,236
Total	490,500	498,236
12) DEPOSITS AOP 044	31.12.2023	in EUR 31.12.2024
Central banks Local state Credit institutions	73,698,625 1,850,606,910 119,203,207	73,884,161 2,072,670,102 224,740,806

Non - financial institutions 896,908,882 930,895,482 Retail 3,138,752,794 3,435,715,982 Total 6,396,764,556 7,181,675,224