HRVATSKA POŠTANSKA BANKA d.d.

Management Board Jurišićeva ulica 4, HR-10000 Zagreb Phone: +385 1 4804 400, +385 1 4804 409

Fax: +385 1 4810 773

Zagreb, October 30, 2025 No: F21-7/2025-MŠ

Home Member State of Issuer Republic of Croatia Stock Exchange Regulated Market/

Segment

ISIN HRHPB0RA0002 Identifier HPB-R-A

Official Market

Zagreb Stock Exchange Inc.

LEI 529900D5G4V6THXC5P79

Zagreb Stock Exchange Inc. Croatian Financial Services Supervisory Agency ("HANFA") Croatian News Agency OTS HINA

Subject: HRVATSKA POŠTANSKA BANKA, p.l.c.

Other non-regulated information

Hrvatska poštanska banka, p.l.c. announces Investor's materials for the period ended September 30, 2025.

Hrvatska poštanska banka, p.l.c.

Investor information

October 2025 9M 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.

Statement of the President of the Management Board

On the occasion of releasing the nine-month financial results for 2025, Marko Badurina, President of the Management Board of Hrvatska poštanska banka, stated:

"Another successful, but also demanding quarter, is behind us. Effects of repositioning of the balance sheet that was carried out in the first half of 2025 have manifested in the current reporting period, with which we almost completely neutralized the drop in reference interest rates and the impact of that drop on revenue. These movements resulted in doubling of the new lending volume in HPB and a return on equity of 12.5 percent in the reporting period.

In addition to the revenue aspect, significant resources and specialized HPB teams are fully dedicated to preparing the Bank for the future, i.e. for a comprehensive digital transformation - from the core transaction system to peripheral applications, processes and organization architecture. All the before mentioned improvements are demanding both technologically and financially, but are also inevitable – our goal is to continuously deliver improvements in user experience, but also new and current possibilities and better service to our clients."

Resilience and adaptation for long-term profitability

^* 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 – 30.9.2023) 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 – 30.9.2025 include results of an integrated Bank (HPB + Nova hrvatska banka) in accordance with the integration of Nova hrvatska banka in July 2023

Balance sheet transformation focused on yield and long term sustainability

In 2025, liquidity surplus is invested in low-risk bonds and treasury bills (mainly Republic of Croatia, Ministry of Finance) with higher yields, mitigating the average impact of declining ECB reference rates on liquid assets (as of 30 September 2025 = 2.0%).

New lending more than doubled in 2025, aimed at yield optimisation.

Deposit base development reflects client trust

Bank strategy focused on market share growth and strengthening HPB's position

Macroeconomic indicators

Croatia, % Euro area, %

After two consecutive record years, 2025 brings strategic balance sheet and revenue structure adjustment to ensure sustainable profitability

Profit and loss account (EUR mn)	9M 2024	9M 2025	Y-o-Y	Y-o-Y %
Net interest income	135 1	115 6	(19 5)	(14 5)
Net fee and commission income	26 9	28 1	1 2	4 4
Net other income	5 2	6 0	0 8	14 5
Operating income	167 2	149 6	(17 6)	(10 5)

Employee expenses	(40 7)	(43 0)	2 3	5 5
Administrative expenses	(31 7)	(31 2)	(0 5)	(1 7)
Depreciation	(7 7)	(7 8)	0 0	0 5
Operating expenses	(80 1)	(81 9)	1 7	2 2

Operating profit	87 1	67 7	(19 3)	(22 2)
Provisions	(12 3)	(5 1)	(7 2)	(58 8)

Tax (13.1) (11.3) (1.8) (13.9)

Profit after tax 61.7 51.4 (10.3) (16.7)

Net interest income is lower by 14.5% compared to the same period in 2024, primarily due to halved interest rates on overnight deposits placed to central banks, which was partially neutralized by increase of lending activities and higher income from securities, hence the downward trend in interest income stopped in the current quarter.
Net fee and commission income continued its growth trend due to higher volume and number of transactions which was induced by increased client activity in accordance with macroeconomic trends.
Efficient management of administrative expenses resulted in savings that were invested in employees to ease the burden of inflation, enhancing employee motivation and competitiveness while laying the groundwork for digital transformation program.
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. Bank recorded higher modification costs due to refinancing part of loan portfolio. In the non-performing loan portfolio, income was generated in the first nine months of 2025 due to positive effects of collection activities which surpassed negative effects of new NPL entries.

Increase in net fee income with stabilisation of net interest income

Controlled expenses growth despite strong investments in IT, processes, employees and digital transformation

Stabile quality of loan portfolio with stronger lending activity

One-off provision expenses increase in performing portfolio (Stage 1&2 "possible" losses for clients with regular payments of their liabilities to Bank) due to the loan volume growth across all business segments.
During 2025, income from reversal of provisions for NPL loans (Stage 3) amounted EUR 3.0 mn due to significant positive collection effects and volumes, while entry of new loans in NPL portfolio was insignificant.
Accounting effect of cash flow modification for refinanced loans increased in accordance with volume growth but this cost will be amortised over the remaining life of loans.
NPL share in 2025 under the influence of balance sheet transformation (redistribution of liquid assets into bonds) with coverage of non-performing loans constantly above the average level for credit institutions in Croatia.

HPB - NPL and NPE ratio, %

Source: FINREP regulatory report

Market - NPL and NPE ratio, %

Source: CNB statistics, SV2 Selected indicators of the structure, concentration and operations of credit institutions

Structural balance sheet transformation focused on yield and long term sustainability

Balance sheet (EUR mn)	31 12 2024	30 9 2025	YTD	YTD %
Cash and cash equivalents	3 799 ,	2 340 ,	(1 459) ,	(38 4)
Securities and other instruments	1 104 ,	1 925 ,	821	74 4
Net loans and advances	2 866 ,	3 360 ,	495	17 3
Other assets	114	118	4	3 4
Total assets	7 883 ,	7 743 ,	(140)	(1 8)
Deposits	6 738 ,	6 628 ,	(110)	(1 6)
Loan liabilities	444	414	(30)	(6 7)
Other liabilities	140	90	(51)	(36 2)
Total liabilities	323 7 ,	7 132 ,	(191)	(2 6)
Total equity and reserves	560	611	52	9 2

HPB finished 2024 with an exceptionally high liquidity surplus due to inflows on corporate client's accounts at the year-end. Consequently, seasonal outflow of received deposits was more pronaunced at the beginning of 2025 than in previous years resulting with stronger decrease of liquid assets at the begining of year. Later, during the year, liquidity surpluses were invested in Croatian government securities and loans with strong crossselling potential to optimise interest income with low risk in a declining interest rate environment and to diversify income sources.
Strong contribution of HPB Super stambeni kredit towards growth of loan portfolio, with HPB's share in new lending in first 8 months of 2025 amounting to 13.8%*.
Although level of received deposits is still slightly lower than at the end of 2024 (-1.6%), outflows from beginning of the year have been almost completely neutralised by growth in the second quarter (+2.3%) and especially in the current quarter (+5.5%).

Balance sheet structure that reflects strategic focus on market share growth

2025 marked by the balance sheet transformation to optimise yield

Lending expansion with improved portfolio quality

Focus on stable yield with low-risk investments

^*Securities are presented in nominal amount as of September 30, 2025

The securities portfolio consists of 83.5% bonds, with government bonds covering 80.8% of the total portfolio as the most significant investment.

Stable capital framework

Regulatory capital and MREL eligible instruments development

Stability of the credit portfolio through sectoral diversification

^* Hrvatske autoceste are included in construction industry, with a share of 49.18% of the total exposure to that industry Source: Management report, according to National Classification of Activities (NKD)

HPB share still above relevant market indices

Sustainability – Q3 2025

Sustainability as a Core Pillar of Responsible 12 Development

Sustainability is one of the fundamental pillars of HPB Group business model development
Our mission is creating conditions for a better life in Croatia
Continuous improvement of HPB Group ESG Policy which defines our sustainability principles and a way to manage sustainability topics
Focus in aligning business practices with regulatory framework
HPB Group Climate Strategy and Transition Plan sets ambitious plans and goals to achieve carbon neutrality by 2050
HPB Group operates in full compliance with the ISO 26000:2020 international standard for social responsibility

Collection of sustainability data from our clients

depending on the client's economic activity Second calling and educational campaign implemented for the target group - clients with more

☑ 30% client response
☑ 92,3% ESG questionnaires rated as Aceptable (highest

Data collection via a national

around 250 questions,

ESG questionnaire containing

than 500 employees (44 clients)

New goals set in Climate Strategy

Two new metrics introduced that cover the impact of environmental risks on individuals and businesses across three time horizons:
low income share in general purpose cash loans
corporate banking exposures with significant environmental risk
2025, in three locations: Bank's headquarters, Center Maksimirska and Regional center Šibenik
☑ The goal is to increase energy efficiency by establishing a system for monitoring and controlling heating, cooling, lighting and electrical devices

Pilot project launched in May

☑ Further reduce energy consumption for 3-5% through employee education

Our Focus in 2025

New initiatives

New environmental sustainability related initiatives:
developing sustainable products
managing greenhouse gas emissions
New social sustainability related initiatives:
improving processes in the human resources management
☑ Integration of the ESG questionnaire for our suppliers:
determining the supplier ESG score

Own

business

energy

efficiency

Conduct of educational programme for our clients:
application of EU Taxonomy
sustainability reporting requirements

Awards and Recognitions

☑ HPB Super štednja Best Buy product according to customers
☑ #BeCROactive award in the Workplace category
Company Friendly to Health certificate valid for five-years
Employer Partner Certificate certificate for excellence human resource management practices

Abbreviations

Abbreviation	Definition
CAR	Capital Adequacy Ratio
CET 1	Common Equity Tier 1
CNB	Croatian National Bank
CROBEX	Croatian Benchmark Stock Exchange Index
ECB	European Central Bank
ESG	Environmental, Social and Governance
GDP	Gross Domestic Product
HICP	Harmonised index of consumer prices
HPB	Hrvatska poštanska banka
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
RWA	Risk-Weighted Assets
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
9M	Nine-month period

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
Common Equity Tier 1 (CET 1)	Common Equity Tier 1 (CET1) capital to risk-weighted assets (RWA) ratio

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