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Hrvatska Poštanska Banka d.d.
Investor Presentation • Jul 28, 2025
2090_10-q_2025-07-28_a92af376-e7e6-439a-ac38-0a7e33dbec81.pdf
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Investor information Unaudited financial statements July 2025 6M 2025
Limitation of liability
- The information and data contained in this presentation are intended as general background information on Hrvatska poštanska banka p.l.c. (hereinafter referred to as the Bank 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 forward-looking 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 forwardlooking 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 1.1.2025 - 30.6.2025, HPB p.l.c. 6M 2025 Investor information and unaudited financial statements for the period 1.1.2025 - 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 Market Act, Hrvatska poštanska banka p.l.c. (hereinafter referred to as the Bank or HPB), publishes unaudited unconsolidated 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 p.l.c.,
- Statement by persons responsible for compiling the report of HPB p.l.c.,
- Unaudited set of unconsolidated financial statements (balance sheet, profit or loss statement, statement of changes in equity, cash flow statement), and
- Notes to the financial statements.
Statement of the President of the Management Board
On the occasion of releasing the six-month financial results for 2025, Marko Badurina, President of the Management Board of Hrvatska poštanska banka, stated:
"I am extremely proud that today HPB is a bank that not only adapts to changes such as the reduction of reference interest rates, but also shapes them through new products and an agile pricing policy. After gaining a significant market share in 2023 and 2024 with HPB Super štednja, in 2025 we became the first bank on the Croatian market to launch the most competitive loan product – HPB SUPER STAMBENI KREDIT. The results achieved in this area are best reflected by the fact that the Bank's lending activity has more than doubled over the already strong 2024 figures, so that nearly one fifth of new loans granted in the market in 2025 relate to HPB!
In parallel with our lending effort, and in order to mitigate the impact of lower reference rates and thereby preserve our profit margins over the medium term, we have repositioned our balance sheet by investing excess liquidity in fixed-yield bonds.
Beyond our market-share objectives, in 2025, we have also been intensely focused internally on innovation and digital transformation, to ensure the preconditions for strengthening our position among Croatia's leading banks over the long term.
All of this confirms that HPB is ready to continue generating additional value to our shareholders, citizens, and entrepreneurs - whether through the delivery of strong earnings and growth in the value of the largest domestically owned bank, or through the provision of innovative and competitively priced services.
HPB is the driving force behind a wave of positive changes for Croatian citizens seeking better conditions for addressing their housing needs.
Resilience and adaptation for long-term profitability
Profitability Assets 2022 2023 2024 2025 7.7 45.7 45.1 36.1 +370% Net profit for 6M* (EUR mn) Total assets** (EUR bn) 31.12.2022 31.12.2023 31.12.2024 30.6.2025 221.7 378.6 643.8 566.9 +156% Market capitalization (EUR mn) Market capitalization 31.12.2022 31.12.2023 31.12.2024 30.6.2025 4.6 7.0 7.9 7.4 +62%
* Profit and loss account positions in this presentation for the year 2022 are presented on stand alone basis, while for 2023 include the result of HPB on a stand-alone basis including the result of Nova hrvatska banka for the period from integration till reporting date (3.7.2023 – 31.12.2023) and for 2024 and 2025 includes the result of integrated Bank (HPB + Nova hrvatska banka) in accordance with the integration of Nova hrvatska banka in July 2023
** The balance sheet positions in this presentation on 31.12.2022 show the result of HPB on a stand-alone basis, while the reporting dates 31.12.2023 – 30.6.2025 include results of an integrated Bank (HPB + Nova hrvatska banka) in accordance with the integration of Nova hrvatska banka in July 2023
Source: Management report
7
Trading data for HPB share, www.zse.hr
Balance sheet transformation with a focus on yield and security
In 2025, the most significant investment focus was on low-risk bonds and treasury bills with a higher average yield, partially offseting the effects of the ECB reference rate reduction (as of 30 June 2025 = 2.0%).
New loans grow more than 2.5 times in all business segments, with HPB Super stambeni kredit covering over 65% of new loans to retail clients.
A stable deposit base reflects client trust
Bank's strategy focused on increasing market share and the importance of HPB
Total assets development
0
20
+56.9%
12/21 3/22 6/22 9/22 12/22 3/23 6/23 9/23 12/23 3/24 6/24 9/24 12/24 3/25 6/25
HPB in the TOP 5 banks by total assets.
Macroeconomic indicators
The growth of non-interest income and cost control ease the pressure on net profit
| Profit and loss account (EUR mn) |
6M 2024 | 6M 2025 | Y-o-Y | Y-o-Y % | |
|---|---|---|---|---|---|
| Net interest income | 91.2 | 77.8 | (13.4) | (14.7) | |
| Net fee and commission income | 16.7 | 18.2 | 1.5 | 9.3 | |
| Net other income | 2.2 | 4.6 | 2.3 | 103.5 | |
| Operating income | 110.1 | 100.6 | (9.6) | (8.7) | |
| Employee expenses | (27.5) | (28.2) | 0.7 | 2.7 | |
| Administrative expenses | (21.9) | (20.0) | (1.9) | (8.8) | |
| Depreciation | (5.6) | (5.1) | (0.5) | (8.2) | |
| Operating expenses | (54.9) | (53.3) | (1.7) | (3.0) | |
| Operating profit | 55.2 | 47.3 | (7.9) | (14.3) | |
| Provisions | (0.6) | (3.3) | (2.7) | ||
| Tax | (9.5) | (8.0) | (1.6) | (16.5) | |
| Profit after tax | 45.1 | 36.1 | (9.0) | (20.0) |
- Net interest income lower by EUR 13.4 mn (-14.7%) compared to the same period in 2024 primarily due to lower volume and lower reference interest rates, which was strategically partially neutralized by higher income from loans and securities.
- Net fee and commission income continued its growth trend, increasing by EUR 1.5 million (+9.3%) in the reporting period, driven by higher transaction volumes and an expanding client base.
- Operating expenses decreased by EUR 1.7 million (3.0%), with part of the savings on external services and asset investments reinvested into employees to maintain competitiveness in the labor market.
- The growth of lending activity is accompanied by prudent provisioning. Provisions for the performing portfolio in 2025 were influenced by increased loan volume, as well as investments in Croatian government securities. In the non-performing loan portfolio, income was generated in the first six months of 2025 from reversal of provisions due to efficient collection activities.
Expected decline in profitability due to falling reference interest rates
Pressures on the income side mitigated by savings and balance sheet transformation, hence Q2 is at the previous year's level
Income diversification mitigates market pressures
Client acquisition and favorable macro environment have resulted in higher transaction volumes
Effective cost control with investments in employee competency development and benefits
Growth of lending activity with disciplined credit risk management
5.9
- The movement of provisions for the performing portfolio was influenced by the growth in the volume of the loan portfolio to small and medium-sized enterprises and retail, as well as investments in Croatian government securities.
- NPL exposure maintained at 2024 level. The NPL ratio affected by balance sheet transformation (redistribution of liquid assets into bonds).
- Effective collection of the non-performing portfolio has significantly exceeded the cost of new NPL inflows, resulting in income from the reversal of provisions of non-performing loan provisions amounting to EUR 3.1 mn.
Market - NPL and NPE ratio, %
HPB - NPL and NPE ratio, %
18 Source: Management report
Structure of provision costs
Investing in more profitable assets - the foundation for future growth
| Balance sheet (EUR mn) |
31.12.2024 | 30.6.2025 | YTD | YTD % |
|---|---|---|---|---|
| Cash and cash equivalents | 3,799 | 2,088 | (1,710) | (45.0) |
| Securities and other instruments | 1,104 | 1,949 | 845 | 76.6 |
| Net loans and advances | 2,866 | 3,239 | 374 | 13.0 |
| Other assets | 114 | 116 | 1 | 1.2 |
| Total assets | 7,883 | 7,392 | (490) | (6.2) |
| Deposits | 6,738 | 6,279 | (459) | (6.8) |
| Loan liabilities | 444 | 418 | (26) | (5.9) |
| Other liabilities | 140 | 99 | (41) | (29.3) |
| Total liabilities | 7,323 | 6,797 | (526) | (7.2) |
| Total equity and reserves | 560 | 596 | 36 | 6.5 |
- Decrease in the position of cash and cash equivalents is the result of balance sheet transformation in a declining interest rate environment and the neutralization of these effects through investments in Croatian government securities, as well as seasonally lower deposit volumes.
- Investing in securities refers primarily to low-risk securities government bonds and treasury bills.
- The growth of the loan portfolio in all business segments is the result of strategic direction, significantly contributed by the results of the HPB Super stambeni kredit, launched in January 2025, through which over EUR 250 mn has been disbursed.
- Deposits in line with seasonal volume trends compared to the end of the year, and compared to the previous quarter, a growth of EUR 140 mn (2.6%) was achieved.
- The reduction in loan liabilities refers to regular repayments.
Strong liquidity with an improved loan-to-deposit ratio
20 Source: Management report
Focus on higher yield assets
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
Growth in the quality and volume of loans in all business segments Growth in the loan portfolio greater than the market share
229 2,858 (93.8 %) 190 (6.2 %) 31.12.2024 37 Corporate, public sector and financial market 109 SME Retail 3,231 (94.4 %) 192 (5.6 %) 30.6.2025 Stage 1 and 2 Stage 3 3,047 3,423 +12.3 % 33.0% 30.5% 12.7% 14.5% 54.3% 55.0% Gross loans share 31.12.2024 Gross loans share 30.6.2025 (EUR mn) Stage 1 and 2 Stage 3 Gross loans Gross loans
22 Source: Management report
Conservative and stable securities portfolio structure
*Securities are presented in nominal amount as of June 30, 2025
The securities portfolio consists of 79.7% bonds, with government bonds covering 76.5% of the total portfolio as the most significant investment.
A strong capital framework reflects the Bank's position as a desirable partner for individuals and entrepreneurs
Regulatory capital and MREL eligible instruments development
-150
-100
-50
0
50
0
100
200
300
400
500
600
700
800
900
1,000
1,100
1,200
Stability of the credit portfolio through sectoral diversification
Corporate gross loans structure per industry, %
* Hrvatske autoceste are included in construction industry, with a share of 52.14% of the total exposure to that industry
26 Source: Management report, according to National Classification of Activities (NKD)
HPB share still above relevant market indices
Ownership structure 30.6.2025
For the second year in a row and for the third time in its history, HPB pays out a dividend. In 2024, a EUR 23.90 dividend was voted in two equal parts of EUR 11.95. The first part was paid on January 7, 2025, the second on June 26, 2025.
Sustainability – Q2 2025.
Abbreviations
| Abbreviation | Definition | |
|---|---|---|
| CAR | Capital Adequacy Ratio |
|
| CBRD | Croatian Bank for Reconstruction and Development | |
| CET 1 | Common Equity Tier 1 | |
| CIR | Cost-to-income ratio | |
| CNB | Croatian National Bank | |
| CROBEX | Croatian Benchmark Stock Exchange Index | |
| ECB | European Central Bank | |
| EIR | Effective interest rate |
|
| ESG | Environmental, Social and Governance | |
| GDP | Gross Domestic Product | |
| HICP | Harmonised index of consumer prices |
|
| HPB | Hrvatska poštanska banka | |
| ir | Interest rate |
|
| ISIN | International Securities Identification Number | |
| LCR | Liquidity Coverage Ratio | |
| MREL | Minimum Requirement for Own Funds and Eligible Liabilities | |
| NPE | Non Performing Exposures |
|
| NSFR | Net Stabile Funding Ratio |
|
| Q | Quarter | |
| ROAE | Return on Average Equity |
|
| RWA | Risk-Weighted Assets | |
| SEE | South East Europe |
|
| Stage 1 and 2 |
Performing Loans | |
| Stage 3 or NPL |
Non-Performing Loans | |
| Y-o-Y | Year-over-Year | |
| YTD | Year to Date | |
| ZSE | Zagreb Stock Exchange |
|
| 6M | Six-month period |
|
| 30 |
Indicies calculation
| Indicator | Calculation |
|---|---|
| Liquidity coverage ratio (LCR) | The ratio of liquid assets to net liquidity outflow |
| NPE ratio | Ratio of non-performing exposures to total loans |
| NPL coverage | Ratio of accumulated impairments for non-performing loans to total non-performing loans |
| NPL ratio | Ratio of non-performing loans to total loans |
| Net stable funding ratio (NSFR) | Ratio of the available amount of stable funding relative to the required amount of stable funding |
| Loan to deposit ratio | Ratio of net loans to deposits as of the reporting date |
| Cost to income ratio (CIR) | Operating cost to net operating income ratio |
| Return on average equity (ROAE) | Ratio of annualized profit for the current year to average equity (arithmetic mean of the balance in equity at the end of the reporting period and the balance in equity at the end of the previous year) |
| Common Equity Tier 1 (CET 1) | Common Equity Tier 1 (CET1) capital to risk-weighted assets (RWA) ratio |
Statement by persons responsible for compiling the report of HPB p.l.c.
In accordance with the Capital Market Act, the Management Board of HPB p.l.c., states that according to their best knowledge the set of unaudited unconsolidated 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.
On behalf of HPB p.l.c.:
Marko Badurina Tadija Vrdoljak
Ivan Soldo Josip Majher
Anto Mihaljević Member of the Management Board
President of the Management Board Member of the Management Board
Member of the Management Board Member of the Management Board
Management report of HPB p.l.c.
Management report of Hrvatska poštanska Banka p.l.c. for the period from January 1 to June 30, 2025, is contained in the previous section of this material.
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 ulica 4 HR-10000 Zagreb Telephones: 072 472 472 0800 472 472 +385 1 4805 057 Fax: +385 1 4810 773
E-mail: [email protected]
| Annex 1 ISSUER'S GENERAL DATA |
|||||
|---|---|---|---|---|---|
| Reporting period: | 1.1.2025. | to | 30.06.2025. | ||
| 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, p.l.c. | ||||
| 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 |
1724 | ||||
| Consolidated report: | KN | (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: | ||||
| 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: [email protected] | |||||
| 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. | 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 | 3,798,721,069 2,088,275,869 | |
| 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 | 10,342,005 | 10,703,991 |
| Financial assets held for trading (from 6 to 9) | 005 | 66,015,020 | 66,482,157 |
| Derivatives Equity instruments |
006 007 |
0 27,486,733 |
20,961 28,841,256 |
| Debt securities | 008 | 38,528,287 | 37,619,940 |
| Loans and advances | 009 | 0 | 0 |
| Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13) |
010 | 498,236 | 501,346 |
| Equity instruments Debt securities |
011 | 0 | 0 |
| Loans and advances | 012 013 |
0 498,236 |
0 501,346 |
| Financial assets at fair value through profit or loss (15 + 16) | 014 | 0 | 0 |
| Debt securities | 015 | 0 | 0 |
| Loans and advances | 016 | 0 | 0 |
| Financial assets at fair value through other comprehensive income (from 18 to 20) |
017 | 5,462,269 | 5,605,751 |
| Equity instruments Debt securities |
018 019 |
5,462,269 0 |
5,605,751 0 |
| Loans and advances | 020 | 0 | 0 |
| Financial assets at amortised cost (22 + 23) | 021 | 3,918,998,979 5,134,178,396 | |
| Debt securities | 022 | 1,032,259,212 1,876,525,893 | |
| Loans and advances | 023 | 2,886,739,767 3,257,652,503 | |
| Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate |
024 025 |
0 0 |
264,885 0 |
| risk | |||
| Investments in subsidiaries, joint ventures and associates Tangible assets |
026 027 |
1,495,487 55,596,992 |
1,495,487 57,270,075 |
| Intangible assets | 028 | 14,910,720 | 16,652,045 |
| Tax assets | 029 | 4,422,971 | 4,210,361 |
| Other assets | 030 | 16,477,617 | 17,464,407 |
| 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 | 7,882,599,360 7,392,400,779 | |
| Financial liabilities held for trading (from 34 to 38) | 033 | 541,807 | 486,583 |
| Derivatives | 034 | 541,807 | 486,583 |
| 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 | 041 | 0 | 0 |
| Other financial liabilities Financial liabilities measured at amortised cost (from 44 to 46) |
042 | 0 | 0 |
| Deposits | 043 044 |
7,243,897,851 6,712,406,587 7,182,370,233 6,697,246,955 |
|
| 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 |
047 048 |
0 0 |
107,079 0 |
| rate risk Provisions |
049 | 41,400,648 | 40,760,014 |
| Tax liabilities | 050 | 6,048,067 | 2,011,212 |
| Share capital repayable on demand Other liabilities |
051 052 |
0 30,893,121 |
0 40,670,007 |
| Liabilities included in disposal groups classified as held for sale | 053 | 0 | 0 |
| Total liabilities (33 + 39 + 43 + from 47 to 53) | 054 | 7,322,781,494 6,796,441,482 | |
| Equity | |||
| Capital | 055 | 161,970,000 | 161,970,000 |
| Share premium Equity instruments issued other than capital |
056 057 |
0 0 |
0 0 |
| Other equity | 058 | 0 | 0 |
| Accumulated other comprehensive income | 059 | 9,482,965 | 9,573,179 |
| Retained profit | 060 | 225,426,381 | 298,687,201 |
| Revaluation reserves Other reserves |
061 062 |
0 89,306,875 |
0 89,677,700 |
| ( – ) Treasury shares | 063 | 0 | 0 |
| Profit or loss attributable to owners of the parent | 064 | 73,631,645 | 36,051,217 |
| (-–) Interim dividends | 065 | 0 | 0 |
| Minority interests [non-controlling interests] Total equity (from 55 to 66) |
066 | 0 | 0 |
| Total equity and liabilities (54 + 67) | 067 068 |
559,817,866 | 595,959,297 7,882,599,360 7,392,400,779 |
STATEMENT OF PROFIT OR LOSS for the period 01.01.2025. to 30.6.2025.
Attributable to owners of the parent
Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 129,613,124 64,397,065 114,194,454 54,485,758 002 38,702,380 19,957,688 36,657,040 17,278,203 003 0 0 0 0 004 212,950 207,378 229,192 222,612 005 36,194,967 19,316,430 37,805,610 19,508,354 006 19,509,492 10,228,770 19,579,590 10,240,544 007 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 1,658,027 1,377,039 3,042,577 1,721,374 016 1,698,281 953,545 2,274,079 989,580 017 109,891,503 54,835,480 100,491,761 50,066,438 018 47,482,324 24,813,651 46,336,450 24,018,222 019 0 0 0 0 020 7,200,569 3,431,906 6,676,769 3,345,452 021 -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 54,601,068 25,765,922 44,010,846 25,433,838 030 9,530,748 4,553,026 7,959,629 4,583,245 031 45,070,320 21,212,896 36,051,217 20,850,593 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 45,070,320 21,212,896 36,051,217 20,850,593 036 0 0 0 0 037 45,070,320 21,212,895 36,051,217 20,850,593 038 45,070,320 21,212,896 36,051,217 20,850,593 039 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 45,145,391 21,044,296 36,141,431 20,593,312 062 0 0 0 0 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) 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 45,145,391 21,044,296 36,141,431 20,593,312
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 | 0 | 0 |
| (Interest paid and similar expenditures) | 003 | 0 | 0 |
| (Fees and commissions paid) | 004 | 0 | 0 |
| (Operating expenses paid) | 005 | 0 | 0 |
| Net gains/losses from financial instruments at fair value through | 006 | 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 | 54,601,068 | 44,010,846 |
| Adjustments: | 0 | 0 | |
| Impairment and provisions | 010 | 463,946 | 3,467,696 |
| Depreciation | 011 | 7,200,569 | 6,676,769 |
| Net unrealised (gains)/losses on financial assets and liabilities at fair | |||
| value through statement of profit or loss | 012 | -1,604,212 | -3,032,334 |
| (Profit)/loss from the sale of tangible assets | 013 | -69,773 | -97,173 |
| Other non-cash items | 014 | -91,428,701 | -78,242,895 |
| 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 | 37,674,302 | -370,912,736 |
| 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 | 416,128 | -986,790 |
| 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 | -12,067,038 | 9,206,762 |
| Interest received from operating activities [indirect method] | 030 | 129,613,124 | 114,194,454 |
| Dividends received from operating activities [indirect method] | 031 | 212,950 | 229,192 |
| Interest paid from operating activities [indirect method] | 032 | -38,702,380 | -36,657,040 |
| (Income tax paid) Net cash flow from operating activities (from 1 to 33) |
033 | -11,121,610 | -11,783,875 |
| Investing activities | 034 | -142,571,368 | -1,626,651,236 |
| Cash receipts from the sale / payments for the purchase of tangible and intangible assets |
035 | -10,201,094 | -8,071,984 |
| 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 | -200,000 | 0 |
| Net cash flow from investing activities (from 35 to 39) | 040 | -10,401,094 | -8,071,984 |
| 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 | 044 | 0 | 0 |
| (Dividends paid) | 045 | 0 | -48,387,179 |
| Other receipts/(payments) from financing activities | 046 | 0 | 0 |
| Net cash flow from financing activities (from 41 to 46) Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47) |
047 048 |
-16,953,174 -169,925,636 |
-75,721,979 -1,710,445,199 |
| Cash and cash equivalents at the beginning of period | 049 | 3,103,793,849 | 3,798,721,068 |
| 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 | 2,933,874,492 | 2,088,275,869 |
STATEMENT OF CHANGES IN EQUITY
| for th eri od fro e p |
m | to | 30. 6.2 025 |
in E UR |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Attr ibut able |
to of t own ers |
he p nt are |
Non ntro -co |
lling int t eres |
|||||||||||
| Sou of ity c han rces equ ges |
ADP cod e |
Equ ity |
Sha re pre miu m |
Equ ity inst ent rum s issu ed o the r tha pita l n ca |
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 re serv es |
( ) T ury sha reas 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 it ems |
Tot al |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| Ope ning bal e [b efo ent] esta tem anc re r |
001 | 161 ,970 ,000 |
0 | 0 | 0 | 9,4 82, 965 |
225 ,426 ,38 1 |
0 | 89, 306 ,87 5 |
0 | 73, 631 ,64 5 |
0 | 0 | 0 | 559 ,817 ,866 |
| Effe of e ecti cts rror corr ons |
002 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | -2 | 0 | 0 | 0 | -1 |
| Effe cts of c han in a unt ing pol icie ges cco s |
003 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ope ning bal e [c erio d] ( 1 + 2 + 3) nt p anc urre |
004 | 161 ,970 ,000 |
0 | 0 | 0 | 9,48 2,96 5 |
225 ,426 ,382 |
0 | 89,3 06,8 75 |
0 | 73,6 31,6 43 |
0 | 0 | 0 | 559 ,817 ,865 |
| Ord inar y sh iss ares ue |
005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pref hare s iss eren ce s ue |
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 irat ion of o the uity ins s is d trum ent e or exp r eq sue |
008 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Con ion of re iabl uity inst es t ents vers cev o eq rum |
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 |
| Purc has e of trea sha sury res |
012 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale ella tion of t sha or c anc reas ury res |
013 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rec lass ifica tion of f inan cial inst ents fro quit y to liab ility rum m e |
014 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rec lass ifica tion of f inan cial inst fro m li abil ity to ity ents rum equ |
015 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
0
0
0
0
0
0 9,573,179 298,687,200
0 73,260,818
0
0
0
90,214 0
0
0
0
0
0
0
0 370,825
0
0 89,677,700
0
0
0
0
0 -73,260,818
0
0
0 -370,825
0 36,051,217
0 36,051,217
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 595,959,296
016
Transfers among components of equity
Other increase or (-) decrease in equity
Total comprehensive income for the current year
Closing balance [current period] (from 4 to 20)
combinations
Share based payments
Equity increase or ( - ) decrease resulting from business
017
018
019
020
021 0
0
0
0
0
161,970,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
36,141,431
| 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 |
63,191,869 55,747,160 |
31,625,396 27,632,841 |
61,650,933 31,680,613 |
31,258,033 11,003,100 |
||
| Deposits Other liabilities |
- - |
- - |
- - |
|||
| Total | 129,613,124 | 64,397,065 | 114,194,454 | 54,485,758 | ||
| 2) INTEREST EXPENSE | Same period of the previous year | in EUR | ||||
| AOP 002 | 01.01.- 30.06.2024. | Current period 01.01. – 30.06.2025. | ||||
| Debt securities | Cumulative - |
Quarter - |
Cumulative - |
Quarter - |
||
| Loans and advances Other assets |
150 - |
45 - |
1,350 - |
50 - |
||
| Deposits Other liabilities |
38,495,956 206,274 |
19,937,903 19,740 |
36,643,633 12,057 |
17,268,973 9,180 |
||
| Total | 38,702,380 | 19,957,688 | 36,657,040 | 17,278,203 | ||
| 3) FEE AND COMMISSION INCOME | Same period of the previous year | in EUR | ||||
| AOP 005 | 01.01.- 30.06.2024. | Current period 01.01. – 30.06.2025. | ||||
| Payment transactions | Cumulative 19,905,399 - |
Quarter 10,284,167 |
Cumulative 21,712,856 - |
Quarter 11,243,989 |
||
| Account and package fees Card business |
6,011,632 - 2,469,503 - |
3,073,505 1,280,274 |
5,954,349 - 2,339,812 - |
2,999,381 1,240,495 |
||
| Mobile and Internet banking Other |
1,248,334 - 6,560,098 - |
617,154 4,061,329 |
1,211,637 - 6,586,956 - |
616,506 3,407,982 |
||
| Total | 36,194,967 | 19,316,429 | 37,805,610 | 19,508,354 | ||
| 4) FEE AND COMMISSION EXPENSE | Same period of the previous year | in EUR | ||||
| AOP 006 | 01.01.- 30.06.2024. Cumulative |
Quarter | Current period 01.01. – 30.06.2025. Cumulative |
Quarter | ||
| Payment transactions | 12,590,839 | 6,399,879 | 13,243,408 | 6,817,751 | ||
| Other Total |
6,918,653 19,509,492 |
3,828,892 10,228,770 |
6,336,182 19,579,590 |
3,422,793 10,240,544 |
||
| 5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES | in EUR | |||||
| AOP 007 | 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 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 | in EUR | |||||
| AOP 009 | Same period of the previous year 01.01.- 30.06.2024. |
Current period 01.01. – 30.06.2025. | ||||
| Equity instruments | Cumulative - |
Quarter - |
Cumulative - |
Quarter - |
||
| 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. Cumulative |
Quarter | Current period 01.01. – 30.06.2025. Cumulative |
Quarter | ||
| Other operating expenses Administrative expenses |
1,698,281 47,482,324 |
953,544 24,813,651 |
2,274,079 46,336,450 |
989,579 24,018,222 |
||
| Employee expenses | 27,471,760 | 14,186,159 | 28,200,189 | 14,758,419 | ||
| Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes) |
20,010,564 - |
10,627,492 - |
18,136,261 - |
9,259,803 - |
||
| Amortization Property, plant and equipment |
7,200,569 4,402,253 |
3,431,907 2,060,536 |
6,676,769 4,046,180 |
3,345,452 2,042,410 |
||
| Investment property Other intangible assets |
- 2,798,316 |
- 1,371,370 |
- 2,630,590 |
- 1,303,042 |
||
| Total | 56,381,174 | 29,199,102 | 55,287,298 | 28,353,254 | ||
| 9) IMPAIRMENT LOSSES AND PROVISION EXPENSES | Same period of the previous year | Current period 01.01. – 30.06.2025. | in EUR | |||
| AOP 021 & AOP 022 & AOP 023 & AOP 025 | 01.01.- 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 | (143,596) | (69,655) | (3,456,985) | (2,224,444) | ||
| (Provisions or (-) reversal of provisions) AOP 022 Liabilities towards resolution committees and deposit insurance systems |
(32,546) - |
994,555 - |
4,301,946 - |
2,770,910 - |
||
| (Liabilities and Guarantees) (Other Provisions) |
651,930 (684,477) |
834,658 159,897 |
3,781,700 520,246 |
2,344,798 426,112 |
||
| (Impairment or (-) reversal of impairment on financial assets that are not measured at fair value through profit or loss) AOP 023 |
496,492 | (240,211) | (4,291,235) | (7,726,428) | ||
| (Financial assets at fair value through other comprehensive income) (Financial assets at amortized cost) |
- 496,492 |
- (240,211) |
- (4,291,235) |
- (7,726,428) |
||
| (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and 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) 10) LOANS AND ADVANCES |
607,541 | 824,000 | 3,467,696 | (2,731,074) | in EUR | |
| AOP 023 | Stage 1 | 31.12.2024. Stage 2 |
Stage 3 | Stage 1 | 30.06.2025. Stage 2 |
Stage 3 |
| Central banks Mandatory reserve |
213,399 - |
- - |
- - |
165,757 - |
- - |
|
| Allowance Other receivables |
- 213,399 |
- - |
- - |
- 165,757 |
- - |
|
| Allowance Government |
- 346,482,362 |
- 5,953,843 |
- 2,815,323 |
- 272,656,742 |
- 1,535,966 |
7,235,958 |
| Gross loans Allowance |
347,658,404 (1,176,042) |
6,134,924 (181,082) |
2,885,568 (70,245) |
273,307,493 (650,751) |
1,553,994 (18,028) |
7,396,532 (160,574) |
| Credit institutuions | 40,738 | - | - | 635,194 | - | |
| Gross loans Allowance |
972 (1) |
- - |
- - |
608,472 (17) |
- - |
(6,715) |
| Deposits Allowance |
39,866 (100) |
- - |
- - |
26,807 (67) |
- - |
|
| Other financial institutions Gross loans |
63,260,348 61,265,474 |
228 240 |
2,528 2,591 |
81,231,234 79,440,108 |
170,389 200,221 |
|
| Allowance Deposits |
(249,286) 2,282,918 |
(12) - |
(63) - |
(346,798) 2,172,510 |
(29,832) - |
|
| 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 | 701,452,939 | 185,847,426 | 73,647,622 | 907,576,326 | 184,144,354 | 66,225,919 |
| Allowance Retail |
(7,403,852) 1,286,114,799 |
(11,729,150) 257,183,607 |
(47,507,006) 30,364,613 |
(10,903,986) 1,503,479,864 |
(8,186,034) 264,155,111 |
(42,904,599) 30,432,946 |
| Gross loans Allowance |
1,291,875,469 (5,760,670) |
279,945,724 (22,762,117) |
127,174,656 (96,810,043) |
1,509,741,903 (6,262,038) |
284,547,851 (20,392,740) |
132,922,743 (102,489,797) |
| Total | 2,390,160,734 | 437,255,954 | 59,323,080 | 2,754,841,133 | 441,819,785 | 60,991,585 |
| 11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS AOP 013 |
31.12.2024. | in EUR 30.06.2025. |
||||
| Central banks Local state |
- - |
- - |
||||
| Credit institutions Other financial institutions |
- - |
- - |
||||
| Non - financial institutions Retail |
- 498,236 |
- 501,346 |
||||
| Total | 498,236 | 501,346 | ||||
| 12) DEPOSITS AOP 044 |
31.12.2024. | in EUR 30.06.2025. |
||||
| Central banks | 73,884,161 | - | ||||
| Local state | 2,072,670,102 224,740,806 |
1,622,526,294 358,325,130 |
Other financial institutions 443,768,692 405,060,646 Non - financial institutions 931,590,491 952,283,068 Retail 3,435,715,982 3,359,051,817 Total 7,182,370,233 6,697,246,955