Hrvatska Poštanska Banka d.d.

Interim / Quarterly Report • Jul 28, 2025

HPB Group Unaudited Financial statements July ²⁰²⁵ 6M 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 - 30.6.2025,
	HPB Group 6M 2025 Unaudited Financial statements for the period 1.1. – 30.6.2025
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 June 30, 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 June 30, 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 36.27 million. Net profit of the parent company amounts to EUR 36.05 million. HPB Invest realized a net profit of EUR 62.44 thousand and HPB-Nekretnine a net profit of EUR 158.86 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	30.6.2025
Year:		2025
Quarter:		2
		Quarterly financial statements
Registration number (MB):	03777928		Issuer's home Member State code:	HRVATSKA
Entity's registration number (MBS):	080010698
Personal identification number (OIB):	87939104217		LEI:	529900D5G4V6THXC5P79
Institution code:	319
		Name of the issuer: HRVATSKA POŠTANSKA BANKA, 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	1750
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 30.06.2025.

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		3,798,726,463 2,088,280,955
Cash in hand	002	133,826,421	137,956,771
Cash balances at central banks	003		3,654,552,643 1,939,615,107
Other demand deposits	004	10,347,399	10,709,077
Financial assets held for trading (from 6 to 9) Derivatives	005 006	66,015,020 0	66,482,157 20,961
Equity instruments	007	27,486,733	28,841,256
Debt securities	008	38,528,287	37,619,940
Loans and advances Non-trading financial assets mandatorily at fair value through profit or	009	0	0
loss (from 11 to 13) Equity instruments	010 011	498,236 0	501,346 0
Debt securities	012	0	0
Loans and advances	013	498,236	501,346
Financial assets at fair value through profit or loss (15 + 16)	014	106,024	103,775
Debt securities Loans and advances	015 016	106,024 0	103,775 0
Financial assets at fair value through other comprehensive income (from 18 to 20)	017	5,462,269	5,605,751
Equity instruments	018	5,462,269	5,605,751
Debt securities	019	0	0
Loans and advances	020	0	0
Financial assets at amortised cost (22 + 23)	021		3,919,006,922 5,134,182,739
Debt securities Loans and advances	022 023		1,032,259,212 1,876,525,893 2,886,747,710 3,257,656,846
Derivatives - hedge accounting	024	0	264,885
	025	0	0
Fair value changes of the hedged items in portfolio hedge of interest rate risk
Investments in subsidiaries, joint ventures and associates	026	0	0
Tangible assets	027	55,684,687	57,357,326
Intangible assets	028	14,915,410	16,654,241
Tax assets Other assets	029 030	4,429,368 16,943,513	4,216,758 17,978,092
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		7,881,787,912 7,391,628,025
Liabilities
Financial liabilities held for trading (from 34 to 38) Derivatives	033 034	541,807 541,807	486,583 486,583
Short positions	035	0	0
Deposits	036	0	0
Debt securities issued Other financial liabilities	037 038	0 0	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) Deposits	043 044		7,243,202,842 6,711,409,798 7,181,675,224 6,696,250,166
Debt securities issued	045	0	0
Other financial liabilities	046	61,527,618	15,159,632
Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate	047 048	0 0	107,079 0
risk Provisions	049	41,482,275	40,833,014
Tax liabilities	050	6,048,067	2,046,875
Share capital repayable on demand Other liabilities	051 052	0 30,999,568	0 40,869,073
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 6,795,752,422
Equity
Capital Share premium	055 056	161,970,000 0	161,970,000 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	9,573,179 298,382,188
Revaluation reserves	061	0	0
Other reserves	062	89,306,891	89,677,716
( – ) Treasury shares	063	0	0
Profit or loss attributable to owners of the parent (-–) Interim dividends	064 065	73,535,269 0	36,272,520 0
Minority interests [non-controlling interests] Total equity (from 55 to 66)	066 067	0 559,513,353	0 595,875,603

STATEMENT OF PROFIT OR LOSS for the period 01.01.2025. to 30.06.2025.

Attributable to owners of the parent

Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 129,616,938 64,398,982 114,197,091 54,486,521 002 38,703,925 19,958,264 36,651,785 17,273,349 003 0 0 0 0 004 212,950 207,378 229,192 222,612 005 36,533,169 19,486,386 38,172,077 19,693,696 006 19,510,606 10,229,199 19,590,467 10,246,042 007 0 0 0 0 008 1,603,725 795,128 3,017,876 1,778,319 009 487 575 14,458 28,350 010 0 0 0 0 011 0 0 124,841 124,841 012 448,603 -177,567 476,289 672,179 013 0 0 0 0 014 69,773 59,435 97,173 32,978 015 1,926,082 1,517,282 3,487,210 1,725,154 016 1,716,723 963,824 1,796,659 509,186 017 110,480,473 55,136,312 101,777,296 50,736,073 018 48,112,480 25,130,118 47,362,079 24,581,617 019 0 0 0 0 020 7,207,574 3,427,883 6,677,451 3,346,300 021 -143,596 -69,656 -3,456,985 -2,224,444 022 -32,546 994,556 4,301,946 2,770,910 023 496,492 -240,211 -4,291,235 -7,726,428 024 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 54,552,877 25,754,310 44,270,070 25,539,230 030 9,532,680 4,554,958 7,997,550 4,599,151 031 45,020,197 21,199,352 36,272,520 20,940,079 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 45,020,197 21,199,352 36,272,520 20,940,079 036 0 0 0 0 037 45,020,197 21,199,352 36,272,520 20,940,079 038 45,020,197 21,199,352 36,272,520 20,940,079 039 75,071 -168,600 90,214 -257,281 040 75,071 -168,600 90,214 -257,281 041 0 0 0 0 042 0 0 0 0 043 0 0 0 0 044 0 0 0 0 045 0 0 0 0 046 145,382 -205,610 141,356 -282,418 047 0 0 0 0 048 0 0 0 0 049 0 0 0 0 050 0 0 0 0 051 -70,311 37,010 -51,142 25,137 052 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 45,095,268 21,030,752 36,362,734 20,682,798 062 0 0 0 0 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) 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

063 45,095,268 21,030,752 36,362,734 20,682,798

in EUR

STATEMENT OF CASH FLOW for the period 01.01.2025 to 30.06.2025

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	002 003	0	0
(Interest paid and similar expenditures) (Fees and commissions paid)	004	0 0	0 0
(Operating expenses paid)	005	0	0
Net gains/losses from financial instruments at fair value through	006
statement of profit or loss		0	0
Other receipts	007	0	0
(Other expenditures) Operating activities - indirect method	008	0	0
Profit/(loss) before tax	009	54,552,877	44,270,070
Adjustments:		0	0
Impairment and provisions	010	463,946	10,711
Depreciation	011	7,207,574	6,677,451
Net unrealised (gains)/losses on financial assets and liabilities at fair	012	-1,604,212	-3,032,334
value through statement of profit or loss
(Profit)/loss from the sale of tangible assets	013	-69,773	-97,173
Other non-cash items Changes in assets and liabilities from operating activities	014	-91,430,970	-74,793,802
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	37,674,302	-370,909,136
Securities and other financial instruments at fair value through other
comprehensive income	018	-144,876	-143,482
Securities and other financial instruments held for trading	019	-699,805	-467,136
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	-5,457	-3,110
Securities and other financial instruments at amortised cost	022	-49,250,234	-844,266,681
Other assets from operating activities	023	374,887	-1,034,581
Deposits from financial institutions	024	78,337,329	46,144,555
Transaction accounts of other clients	025	-340,224,810	-372,515,627
Savings deposits of other clients	026	-18,658,554	-2,402,108
Time deposits of other clients	027	112,720,132	-129,015,299
Derivative financial liabilities and other liabilities held for trading	028	166,534	-55,224
Other liabilities from operating activities	029	-11,475,108	8,997,320
Interest received from operating activities [indirect method] Dividends received from operating activities [indirect method]	030 031	129,616,938 207,378	114,197,091 222,612
Interest paid from operating activities [indirect method]	032	-38,703,925	-36,651,785
(Income tax paid)	033	-11,123,541	-11,786,133
Net cash flow from operating activities (from 1 to 33)	034	-142,069,368	-1,626,653,801
Investing activities
Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-10,905,210	-8,069,728
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	-11	0
Net cash flow from investing activities (from 35 to 39)	040	-10,905,221	-8,069,728
Financing activities
Net increase/(decrease) in loans received from financing activities	041	-16,953,174	-27,334,800
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 -48,387,179
Other receipts/(payments) from financing activities	046	0	0
Net cash flow from financing activities (from 41 to 46)	047	-16,953,174	-75,721,979
Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	-169,927,763	-1,710,445,508
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	6,279	0
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	2,933,879,494	2,088,280,955

STATEMENT OF CHANGES IN EQUITY

to30.6.2025for 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	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, 164 ,44 4	0	0	0	-73 ,164 ,444	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	370 ,82 5	0	-37 0,8 25	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	90, 214	0	0	0	0	36, 272 ,52 0	0	0	0	36,3 62,7 34
Clo sing ba lanc e [c erio d] ( from o 20 ) nt p 4 t urre	021	161 ,970 ,000	0	0	0	9,57 3,17 9	298 ,382 ,188	0	89,6 77,7 16	0	36,2 72,5 20	0	0	0	595 ,875 ,603

in EUR

Notes to financial statements
1) INTEREST INCOME				in EUR
AOP 001	Same period of the previous year 01.01.- 30.06.2024		Current period 01.01. – 30.06.2025
Debt securities	Cumulative 10,674,095	Quarter 5,138,828	Cumulative 20,862,908	Quarter 12,224,625
Loans and advances Other assets Deposits	63,191,869 55,747,160 3,814	31,625,396 27,632,841 1,917	61,650,933 31,680,613 2,637	31,258,033 11,003,100 763
Other liabilities Total	- 129,616,938	- 64,398,982	- 114,197,091	- 54,486,521
2) INTEREST EXPENSE				in EUR
AOP 002	Same period of the previous year 01.01.- 30.06.2024		Current period 01.01. – 30.06.2025
Debt securities	Cumulative -	Quarter -	Cumulative -	Quarter -
Loans and advances Other assets	150 -	44 -	1,350 -	50 -
Deposits Other liabilities	38,495,956 207,819	19,943,926 14,294	36,643,633 6,802	17,268,973 4,326
Total	38,703,925	19,958,264	36,651,785	17,273,349
3) FEE AND COMMISSION INCOME	Same period of the previous year 01.01.-		Current period 01.01. – 30.06.2025	in EUR
AOP 005	30.06.2024 Cumulative	Quarter	Cumulative	Quarter
Payment transactions Account and package fees	19,905,399 6,011,632	10,284,167 3,073,505	21,712,856 5,954,349	11,243,989 2,999,381
Card business Mobile and Internet banking	2,469,503 1,248,334	1,280,274 617,154	2,339,812 1,211,637	1,240,495 616,506
Other Total	6,898,301 36,533,169	4,231,285 19,486,386	6,953,423 38,172,077	3,593,324 19,693,696
4) FEE AND COMMISSION EXPENSE				in EUR
AOP 006	Same period of the previous year 01.01.- 30.06.2024		Current period 01.01. – 30.06.2025
Payment transactions	Cumulative 12,590,839	Quarter 6,399,879	Cumulative 13,243,408	Quarter 6,817,751
Other Total	6,919,767 19,510,606	3,829,321 10,229,199	6,347,059 19,590,467	3,428,291 10,246,042
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES	Same period of the previous year 01.01.-			in EUR
AOP 007	30.06.2024 Cumulative	Quarter	Current period 01.01. – 30.06.2025 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.- 30.06.2024		Current period 01.01. – 30.06.2025
Equity instruments	Cumulative 1,284,801	Quarter 140,999	Cumulative 1,354,523	Quarter 849,514
Debt securities FX transactions and derivatives	62,232 256,692	104,443 549,686	549,712 1,113,641	696,244 232,562
Total	1,603,725	795,128	3,017,876	1,778,320
7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS	Same period of the previous year 01.01.-			in EUR
AOP 009	30.06.2024 Cumulative	Quarter	Current period 01.01. – 30.06.2025 Cumulative	Quarter
Equity instruments Debt securities	- -	- -	- -	- -
Loans and advances Total	487 487	574 574	14,458 14,458	28,350 28,350
8) OPERATING EXPENSES				in EUR
AOP 016 & AOP 018 & AOP 019 & AOP 020	Same period of the previous year 01.01.- 30.06.2024		Current period 01.01. – 30.06.2025
Other operating expenses	Cumulative 1,716,723	Quarter 963,823	Cumulative 1,796,659	Quarter 509,186
Administrative expenses Employee expenses	48,112,480 27,832,628	25,130,118 14,366,331	47,362,079 28,678,486	24,581,617 14,992,739
Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes)	20,279,852 -	10,763,787 -	18,683,593 -	9,588,878 -
Amortization Property, plant and equipment	7,207,574 4,409,258	3,427,883 2,056,513	6,677,451 4,046,862	3,346,300 2,043,258
Investment property Other intangible assets	- 2,798,316	- 1,371,370	- 2,630,590	- 1,303,042
Total	57,036,777	29,521,825	55,836,189	28,437,104
9) IMPAIRMENT LOSSES AND PROVISION EXPENSES AOP 021 & AOP 022 & AOP 023 & AOP 025	Same period of the previous year 01.01.-		Current period 01.01. – 30.06.2025	in EUR
	30.06.2024 Cumulative	Quarter	Cumulative	Quarter
Modification gains or (-) losses, net AOP 021 Financial assets at fair value through other comprehensive income	(143,596) -	(69,655) -	(3,456,985) -	(2,224,444) -
Financial assets at amortized cost (Provisions or (-) reversal of provisions) AOP 022	(143,596) (32,546)	(69,655) 994,555	(3,456,985) 4,301,946	(2,224,444) 2,770,910
Liabilities towards resolution committees and deposit insurance systems (Liabilities and Guarantees)	- 651,930	- 834,658	- 3,781,700	- 2,344,798
(Other Provisions) (Impairment or (-) reversal of impairment on financial assets that are not measured at fair	(684,477)	159,897	520,246	426,112
value through profit or loss) AOP 023 (Financial assets at fair value through other comprehensive income)	496,492 -	(240,211) -	(4,291,235) -	(7,726,428) -
(Financial assets at amortized cost) (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and associates)	496,492 -	(240,211) -	(4,291,235) -	(7,726,428) -
(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)	607,541	824,000	3,467,696	(2,731,074)
10) LOANS AND ADVANCES AOP 023		31.12.2024			30.6.2025	in EUR
Central banks	Stage 1 213,399	Stage 2 -	Stage 3 -	Stage 1 165,757	Stage 2 -	Stage 3 -
Mandatory reserve Allowance	- -	- -	- -	- -	- -	- -
Other receivables Allowance	213,399 -	- -	- -	165,757 -	- -	- -
Government Gross loans	346,482,362 347,658,404	5,953,843 6,134,924	2,815,323 2,885,568	272,656,742 273,307,493	1,535,966 1,553,994	7,235,958 7,396,532
Allowance Credit institutuions	(1,176,042) 40,738	(181,082) -	(70,245) -	(650,751) 635,194	(18,028) -	(160,574) -
Gross loans Allowance	972 (1)	- -	- -	608,472 (17)	- -	6,715 (6,715)
Deposits Allowance	39,866 (100)	- -	- -	26,807 (67)	- -	- -
Other financial institutions Gross loans	63,268,291 61,273,417	228 240	2,528 2,591	81,235,577 79,444,451	170,389 200,221	1,362 1,401
Allowance Deposits	(249,286) 2,282,918	(12) -	(63) -	(346,798) 2,172,510	(29,832) -	(39) -
Allowance Non - financial institutions	(38,758) 694,049,086	- 174,118,276	- 26,140,616	(34,586) 896,672,340	- 175,958,320	- 23,321,319
Gross loans Allowance	701,452,939 (7,403,852)	185,847,426 (11,729,150)	73,647,622 (47,507,006)	907,576,326 (10,903,986)	184,144,354 (8,186,034)	66,225,919 (42,904,599)
Retail Gross loans	1,286,114,799 1,291,875,469	257,183,607 279,945,724	30,364,613 127,174,656	1,503,479,864 1,509,741,903	264,155,111 284,547,851	30,432,946 132,922,743
Allowance Total	(5,760,670) 2,390,168,677	(22,762,117) 437,255,954	(96,810,043) 59,323,080	(6,262,038) 2,754,845,476	(20,392,740) 441,819,785	(102,489,797) 60,991,585
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS		in EUR
AOP 013 Central banks	31.12.2024 -	30.6.2025 -
Local state Credit institutions	- -	- -
Other financial institutions Non - financial institutions	- -	- -
Retail Total	498,236 498,236	501,346 501,346
12) DEPOSITS		in EUR
AOP 044 Central banks	31.12.2024 73,884,161	30.6.2025 -
Local state Credit institutions	2,072,670,102 224,740,806	1,622,526,294 358,325,130
Other financial institutions	443,768,692 930,895,482	405,060,646 951,286,279

Retail 3,435,715,982 3,359,051,817 Total 7,181,675,224 6,696,250,166