Hrvatska Poštanska Banka d.d.

Quarterly Report • Apr 30, 2025

HPB Group Unaudited Financial statements April ²⁰²⁵ 3M 2025

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 1.1.2025 - 31.3.2025,
	HPB Group 3M 2025 Unaudited Financial statements for the period 1.1. – 31.3.2025
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 March 31, 2025.

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 March 31, 2025, 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 15.33 million. Net profit of the parent company amounts to EUR 15.20 million. HPB Invest realized a net profit of EUR 31.53 thousand and HPB-Nekretnine a net profit of EUR 100.29 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:		1.1.2025	to	31.3.2025
Year:		2025
Quarter:		1
		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	1737
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.		Jurišićeva ulica 4, 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: tea.bazant@hpb.hr
Audit firm:
Certified auditor:	(name of the audit firm)
	(name and surname)

BALANCE SHEET balance as at 31.03.2025.

Submitter: Hrvatska poštanska banka p.l.c.			in EUR
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		3,798,726,463 2,204,743,616
Cash in hand	002	133,826,421	113,057,293
Cash balances at central banks	003		3,654,552,643 2,077,127,711
Other demand deposits	004	10,347,399	14,558,612
Financial assets held for trading (from 6 to 9) Derivatives	005 006	66,015,020 0	93,988,733 50,973
Equity instruments	007	27,486,733	27,991,742
Debt securities	008	38,528,287	65,946,018
Loans and advances	009	0	0
Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13) Equity instruments	010 011	498,236 0	506,879 0
Debt securities	012	0	0
Loans and advances	013	498,236	506,879
Financial assets at fair value through profit or loss (15 + 16)	014	106,024	105,110
Debt securities Loans and advances	015 016	106,024 0	105,110 0
Financial assets at fair value through other comprehensive income	017	5,462,269	5,889,176
(from 18 to 20) Equity instruments	018	5,462,269	5,889,176
Debt securities	019	0	0
Loans and advances	020	0	0
Financial assets at amortised cost (22 + 23)	021		3,919,006,922 4,806,041,041
Debt securities Loans and advances	022 023		1,032,259,212 1,786,662,315 2,886,747,710 3,019,378,726
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	0	0
Tangible assets	027	55,684,687	57,304,692
Intangible assets Tax assets	028 029	14,915,410 4,429,368	14,968,098 4,285,329
Other assets	030	16,943,513	15,593,538
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) Liabilities	032		7,881,787,912 7,203,426,212
Financial liabilities held for trading (from 34 to 38)	033	541,807	217,144
Derivatives	034	541,807	217,144
Short positions	035	0	0
Deposits Debt securities issued	036 037	0 0	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 Other financial liabilities	041	0	0
Financial liabilities measured at amortised cost (from 44 to 46)	042 043	0	0 7,243,202,842 6,544,331,298
Deposits	044		7,181,675,224 6,505,294,391
Debt securities issued	045	0	0
Other financial liabilities Derivatives - hedge accounting	046 047	61,527,618 0	39,036,907 0
Fair value changes of the hedged items in portfolio hedge of interest rate risk	048	0	0
Provisions	049	41,482,275	39,897,567
Tax liabilities	050	6,048,067	6,313,121
Share capital repayable on demand Other liabilities	051 052	0 30,999,568	0 37,474,277
Liabilities included in disposal groups classified as held for sale	053	0	0
Total liabilities (33 + 39 + 43 + from 47 to 53)	054		7,322,274,559 6,628,233,407
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	9,482,965 225,218,228	9,830,460 298,753,013
Revaluation reserves	061	0	0
Other reserves	062	89,306,891	89,306,891
( – ) Treasury shares Profit or loss attributable to owners of the parent	063 064	0 73,535,269	0 15,332,441
(-–) Interim dividends	065	0	0
Minority interests [non-controlling interests]	066	0	0
Total equity (from 55 to 66)	067 068	559,513,353 7,881,787,912 7,203,426,212	575,192,805

STATEMENT OF PROFIT OR LOSS for the period 01.01.2025. to 31.03.2025.

Attributable to minority interest [non-controlling interest]

Attributable to owners of the parent

Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 65,217,956 65,217,956 59,710,570 59,710,570 002 18,745,661 18,745,661 19,378,436 19,378,436 003 0 0 0 0 004 5,572 5,572 6,580 6,580 005 17,046,783 17,046,783 18,478,381 18,478,381 006 9,281,407 9,281,407 9,344,425 9,344,425 007 0 0 0 0 008 808,597 808,597 1,239,557 1,239,557 009 -88 -88 -13,892 -13,892 010 0 0 0 0 011 0 0 0 0 012 626,170 626,170 -195,890 -195,890 013 0 0 0 0 014 10,338 10,338 64,195 64,195 015 408,800 408,800 1,762,056 1,762,056 016 752,899 752,899 1,287,473 1,287,473 017 55,344,161 55,344,161 51,041,223 51,041,223 018 22,982,362 22,982,362 22,780,462 22,780,462 019 0 0 0 0 020 3,779,691 3,779,691 3,331,151 3,331,151 021 -73,940 -73,940 -1,232,541 -1,232,541 022 -1,027,102 -1,027,102 1,531,036 1,531,036 023 736,703 736,703 3,435,193 3,435,193 024 0 0 0 0 025 0 0 0 0 026 0 0 0 0 027 0 0 0 0 028 0 0 0 0 029 28,798,567 28,798,567 18,730,840 18,730,840 030 4,977,722 4,977,722 3,398,399 3,398,399 031 23,820,845 23,820,845 15,332,441 15,332,441 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 23,820,845 23,820,845 15,332,441 15,332,441 036 0 0 0 0 037 23,820,845 23,820,845 15,332,441 15,332,441 038 23,820,845 23,820,845 15,332,441 15,332,441 039 243,671 243,671 347,495 347,495 040 243,671 243,671 347,495 347,495 041 0 0 0 0 042 0 0 0 0 043 0 0 0 0 044 0 0 0 0 045 0 0 0 0 046 350,992 350,992 423,774 423,774 047 0 0 0 0 048 0 0 0 0 049 0 0 0 0 050 0 0 0 0 051 -107,321 -107,321 -76,279 -76,279 052 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 24,064,516 24,064,516 15,679,936 15,679,936 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 (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) 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)

062 0 0 0 0 063 24,064,516 24,064,516 15,679,936 15,679,936

in EUR

STATEMENT OF CASH FLOW for the period 01.01.2025 to 31.03.2025

in EUR

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) (Operating expenses paid)	004 005	0 0	0 0
Net gains/losses from financial instruments at fair value through 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	28,798,567	18,730,840
Adjustments:		0	0
Impairment and provisions	010	-290,399	4,966,229
Depreciation	011	3,779,691	3,331,151
Net unrealised (gains)/losses on financial assets and liabilities at fair	012	-808,509	-1,225,665
value through statement of profit or loss
(Profit)/loss from the sale of tangible assets	013	-10,338	-64,195
Other non-cash items	014	-47,030,097	-38,910,283
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	46,513,898	-132,631,016
Securities and other financial instruments at fair value through other comprehensive income	018	-350,326	-426,907
Securities and other financial instruments held for trading	019	-365,112	-27,973,713
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	-15,295	-8,643
Securities and other financial instruments at amortised cost	022	-846,028	-754,403,103
Other assets from operating activities	023	3,686,560	1,349,975
Deposits from financial institutions	024	-6,779,136	4,625,004
Transaction accounts of other clients	025	-382,211,770	-541,777,519
Savings deposits of other clients	026	-16,671,738	-753,738
Time deposits of other clients	027	129,729,635	-59,835,542
Derivative financial liabilities and other liabilities held for trading	028	216,154	-324,663
Other liabilities from operating activities	029	-1,265,623	-194,638
Interest received from operating activities [indirect method]	030	65,217,956	59,710,570
Dividends received from operating activities [indirect method]	031	5,572	6,580
Interest paid from operating activities [indirect method]	032	-18,745,661	-19,378,436
(Income tax paid)	033	0	-2,989,306
Net cash flow from operating activities (from 1 to 33) Investing activities	034	-197,441,999	-1,488,177,018
Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-3,185,447	-3,300,286
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	0	0
Dividends received from investing activities	038	0	0
Other receipts/payments from investing activities	039	0	0
Net cash flow from investing activities (from 35 to 39)	040	-3,185,447	-3,300,286
Financing activities Net increase/(decrease) in loans received from financing activities	041	-30,058,759	-78,311,274
	042
Net increase/(decrease) in debt securities issued Net increase/(decrease) in Tier 2 capital instruments	043	0 0	0 0
Increase in share capital	044	0	0
(Dividends paid)	045	0	-24,194,269
Other receipts/(payments) from financing activities	046	0	0
Net cash flow from financing activities (from 41 to 46)	047	-30,058,759	-102,505,543
Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	-230,686,205	-1,593,982,847
Cash and cash equivalents at the beginning of period	049	3,103,800,978	3,798,726,463
Effect of exchange rate fluctuations on cash and cash equivalents	050	5,647	0
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	2,873,120,420	2,204,743,616

STATEMENT OF CHANGES IN EQUITY

to31.3.2025for the period from

		Attr ibut able of the to t own ers pa ren									Non lling int ntro st -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	9,4 82, 965	225 ,218 ,228	0	89, 306 ,89 1	0	73, 535 ,26 9	0	0	0	559 ,513 ,353
Effe cts of e rect ions rror cor	002	0	0	0	0	0	1	0	0	0	0	0	0	0	1
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	9,48 2,96 5	225 ,218 ,229	0	89,3 06,8 91	0	73,5 35,2 69	0	0	0	559 ,513 ,354
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	0	0	0	0	0	0
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	73, 535 ,26 9	0	0	0	-73 ,535 ,269	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	-48 5	0	0	0	0	0	0	0	-485
Tot al c hen sive inc e fo r th t ye om pre om e cu rren ar	020	0	0	0	0	347 ,49 5	0	0	0	0	15, 332 ,44 1	0	0	0	15,6 79,9 36
Clo sing ba lanc e [c erio d] ( from o 20 ) nt p 4 t urre	021	161 ,970 ,000	0	0	0	9,83 0,46 0	298 ,753 ,013	0	89,3 06,8 91	0	15,3 32,4 41	0	0	0	575 ,192 ,805

in EUR

Notes to financial statements
1) INTEREST INCOME				in EUR
AOP 001	Same period of the previous year 01.01.- 31.03.2024		Current period 01.01. – 31.03.2025 Cumulative
Debt securities Loans and advances	Cumulative 5,535,267 31,566,473	Quarter 5,535,267 31,566,473	8,638,283 30,392,900	Quarter 8,638,283 30,392,900
Other assets Deposits	28,114,319 1,897	28,114,319 1,897	20,677,513 1,874	20,677,513 1,874
Other liabilities Total	- 65,217,956	- 65,217,956	- 59,710,570	- 59,710,570
2) INTEREST EXPENSE				in EUR
AOP 002	Same period of the previous year 01.01.- 31.03.2024		Current period 01.01. – 31.03.2025
Debt securities	Cumulative -	Quarter -	Cumulative -	Quarter -
Loans and advances Other assets	106 -	106 -	1,300 -	1,300 -
Deposits Other liabilities	18,552,030 193,525	18,552,030 193,525	19,374,660 2,476	19,374,660 2,476
Total	18,745,661	18,745,661	19,378,436	19,378,436
3) FEE AND COMMISSION INCOME AOP 005	Same period of the previous year 01.01.-		Current period 01.01. – 31.03.2025	in EUR
	31.03.2024 Cumulative	Quarter	Cumulative	Quarter
Payment transactions Account and package fees	9,621,232 2,938,127	9,621,232 2,938,127	10,468,867 2,954,967	10,468,867 2,954,967
Card business Mobile and Internet banking	1,189,229 631,180	1,189,229 631,180	1,099,317 595,131	1,099,317 595,131
Other Total	2,667,016 17,046,783	2,667,016 17,046,783	3,360,098 18,478,381	3,360,098 18,478,381
4) FEE AND COMMISSION EXPENSE				in EUR
AOP 006	Same period of the previous year 01.01.- 31.03.2024 Cumulative	Quarter	Current period 01.01. – 31.03.2025 Cumulative	Quarter
Payment transactions Other	6,190,961	6,190,961	6,425,656	6,425,656
Total	3,090,446 9,281,407	3,090,446 9,281,407	2,918,769 9,344,425	2,918,769 9,344,425
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES	Same period of the previous year 01.01.-			in EUR
AOP 007	31.03.2024 Cumulative	Quarter	Current period 01.01. – 31.03.2025 Cumulative	Quarter
Debt securities Loans and advances	- -	- -	- -	- -
Deposits Debt Securities issued	- -	- -	- -	- -
Other financial liabilities Total	- -	- -	- -	- -
6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING				in EUR
AOP 008	Same period of the previous year 01.01.- 31.03.2024		Current period 01.01. – 31.03.2025
Equity instruments	Cumulative 1,143,802	Quarter 1,143,802	Cumulative 505,009	Quarter 505,009
Debt securities FX transactions and derivatives	(42,211) (292,994)	(42,211) (292,994)	(146,531) 881,079	(146,531) 881,079
Total	808,597	808,597	1,239,557	1,239,557
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.- 31.03.2024 Cumulative	Quarter	Current period 01.01. – 31.03.2025 Cumulative	Quarter
Equity instruments Debt securities	- -	- -	- -	- -
Loans and advances Total	(88) (88)	(88) (88)	(13,892) (13,892)	(13,892) (13,892)
8) OPERATING EXPENSES				in EUR
AOP 016 & AOP 018 & AOP 019 & AOP 020	Same period of the previous year 01.01.- 31.03.2024		Current period 01.01. – 31.03.2025
Other operating expenses	Cumulative 752,899	Quarter 752,899	Cumulative 1,287,472	Quarter 1,287,472
Administrative expenses Employee expenses	22,982,362 13,466,297	22,982,362 13,466,297	22,780,462 13,685,747	22,780,462 13,685,747
Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes)	9,516,064 -	9,516,064 -	9,094,715 -	9,094,715 -
Amortization Property, plant and equipment	3,779,691 2,352,745	3,779,691 2,352,745	3,331,151 2,003,603	3,331,151 2,003,603
Investment property Other intangible assets	- 1,426,946	- 1,426,946	- 1,327,548	- 1,327,548
Total	27,514,952	27,514,952	27,399,086	27,399,086
9) IMPAIRMENT LOSSES AND PROVISION EXPENSES	Same period of the previous year 01.01.-			in EUR
AOP 021 & AOP 022 & AOP 023 & AOP 025	31.03.2024 Cumulative	Quarter	Current period 01.01. – 31.03.2025 Cumulative	Quarter
Modification gains or (-) losses, net AOP 021 Financial assets at fair value through other comprehensive income	(73,940) -	(73,940) -	(1,232,541) -	(1,232,541) -
Financial assets at amortized cost (Provisions or (-) reversal of provisions) AOP 022	(73,940) (1,027,102)	(73,940) (1,027,102)	(1,232,541) 1,531,036	(1,232,541) 1,531,036
Liabilities towards resolution committees and deposit insurance systems (Liabilities and Guarantees)	- (182,728)	- (182,728)	- 1,436,902	- 1,436,902
(Other Provisions) (Impairment or (-) reversal of impairment on financial assets that are not measured at fair	(844,374)	(844,374)	94,134	94,134
value through profit or loss) AOP 023 (Financial assets at fair value through other comprehensive income)	736,703 -	736,703 -	3,435,193 -	3,435,193 -
(Financial assets at amortized cost) (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and	736,703	736,703	3,435,193	3,435,193
associates) (Impairment or (-) reversal of impairment off non-financial assets) AOP 025	- -	- -	- -	- -
(Property, plant and equipment) (Investment property)	- -	- -	- -	- -
(Goodwill) (Other intangible assets)	- -	- -	- -	- -
(Other) Total (AOP 022 + AOP 023 + AOP 025 - AOP 021)	- (216,459)	- (216,459)	- 6,198,770	- 6,198,770
10) LOANS AND ADVANCES						in EUR
AOP 023	Stage 1	31.12.2024 Stage 2	Stage 3	Stage 1	31.3.2025 Stage 2	Stage 3
Central banks Mandatory reserve	213,399 -	- -	- -	389,510 -	- -
Allowance Other receivables	- 213,399	- -	- -	- 389,510	- -
Allowance Government	- 346,482,362	- 5,953,843	- 2,815,323	- 348,258,376	- 5,189,666	2,815,975
Gross loans Allowance	347,658,404 (1,176,042)	6,134,924 (181,082)	2,885,568 (70,245)	349,821,109 (1,562,733)	5,354,394 (164,729)	2,886,233 (70,258)
Credit institutuions Gross loans	40,738 972	- -	- -	19,055,256 20,002,814	- -	6,715
Allowance Deposits	(1) 39,866	- -	- -	(980,156) 32,680	- -	(6,715)
Allowance Other financial institutions	(100) 63,268,291	- 228	- 2,528	(82) 64,062,924	- 271	2,021
Gross loans Allowance	61,273,417 (249,286)	240 (12)	2,591 (63)	62,137,004 (244,867)	294 (22)	2,074 (52)
Deposits Allowance	2,282,918 (38,758)	- -	- -	2,208,278 (37,491)	- -
Non - financial institutions Gross loans	694,049,086 701,452,939	174,118,276 185,847,426	26,140,616 73,647,622	751,900,397 760,429,575	164,402,862 174,849,666	25,950,618 73,462,688
Allowance Retail	(7,403,852) 1,286,114,799	(11,729,150) 257,183,607	(47,507,006) 30,364,613	(8,529,178) 1,342,412,641	(10,446,805) 262,749,768	(47,512,070) 32,188,442
Gross loans Allowance	1,291,875,469 (5,760,670)	279,945,724 (22,762,117)	127,174,656 (96,810,043)	1,348,496,509 (6,083,868)	284,305,994 (21,556,227)	132,635,087 (100,446,645)
Total	2,390,168,677	437,255,954	59,323,080	2,526,079,104	432,342,566	60,957,056
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS AOP 013	31.12.2024	in EUR 31.3.2025
Central banks Local state	- -	- -
Credit institutions Other financial institutions	- -	- -
Non - financial institutions Retail	- 498,236	- 506,879
Total	498,236	506,879
12) DEPOSITS AOP 044	31.12.2024	in EUR 31.3.2025
Central banks Local state	73,884,161 2,072,670,102	- 1,524,781,103
Credit institutions Other financial institutions	224,740,806 443,768,692	249,000,763 424,819,026
Non - financial institutions	930,895,482	932,234,334

Retail 3,435,715,982 3,374,459,164 Total 7,181,675,224 6,505,294,391