Hrvatska Poštanska Banka d.d.

Interim / Quarterly Report • Jul 30, 2024

HPB p.l.c. 6M 2024

Unaudited Financial statements

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 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 1.1.2024 - 30.6.2024, HPB Group 6M 2024 Unaudited Financial statements for the period 1.1. - 30.6.2024 Issuer name, headquarter and address: Hrvatska poštanska banka p.l.c., Jurišićeva ulica 4, HR-10000 Zagreb Issuer's Legal Entity Identifier (LEI) 529900D5G4V6THXC5P79 Home Member State: Republic of Croatia International Securities Identification Number (ISIN) HRHPB0RA0002 Stock code (ticker): HPB-R-A Regulated market and segment: Zagreb Stock Exchange, Official market

In accordance with the Capital Markets Act, Hrvatska poštanska Banka p.l.c. (hereinafter referred to as the Bank or HPB), as the parent company of the Hrvatska poštanska banka Group (Group), publishes unaudited consolidated financial statements for the period from January 1 to June 30, 2024.

Original and official report is published in Croatian.

The report includes:

• Management report of HPB Group,
• Statement by persons responsible for compiling the report of HPB Group,
• Unaudited set of consolidated financial statements (balance sheet, profit or loss statement, statement of changes in equity, cash flow statement), and
• Notes to the financial statements.

Financial statements and notes have been compiled in accordance with instructions defined in Rulebook on the content and structure of the issuer's reports for periods during the year (OG 114/2018, 27/2021, 26/2022 and 32/2023).

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, 2024, are compiled in accordance with the accounting regulation applicable to credit institutions in Croatia, presents complete and accurate view of assets and liabilities, losses and gains, financial position and results of HPB p.l.c., as well as companies included in consolidation as a whole.

On behalf of HPB p.l.c., the parent company of HPB Group:

Marko Badurina Tadija Vrdoljak President of the Management Board Member of the Management Board

Ivan Soldo Josip Majher

Anto Mihaljević Member of the Management Board

Member of the Management Board Member of the Management Board

Management report of HPB Group

HPB Group is, apart from the parent company – Hrvatska poštanska Banka p.l.c., consisted of HPB Invest (investment fund management) and HPB-nekretnine (real estate agency).

The HPB Group's net profit after tax is EUR 45.02 million. Net profit of the parent company amounts to EUR 45.07 million. HPB Invest realized a net loss of EUR 67.51 thousand and HPB-Nekretnine a net profit of EUR 17.39 thousand.

Marko Badurina Tadija Vrdoljak President of the Management Board Member of the Management Board

Ivan Soldo Josip Majher Member of the Management Board Member of the Management Board

Anto Mihaljević Member of the Management Board

Annex 1		ISSUER'S GENERAL DATA
Reporting period:		1.1.2024	to	30.6.2024
Year:		2024
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	1749
Consolidated report:	KD	(KN-not consolidated/KD-consolidated)		KN	KD
Audited:	RN	(RN-not audited/RD-audited)		RN	RD
Names of subsidiaries (according to IFRS):			Registered office:		MB:
HPB Invest d.o.o.		Strojarska cesta 20, 10000 Zagreb			01972278
HPB-nekretnine d.o.o.		Jurišićeva ulica 4, 10000 Zagreb			01972260
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 30.06.2024.

1

ADP code Last day of preceding business 2 3 4 Submitter: Hrvatska poštanska banka p.l.c. Item

the

Current period

in EUR

year

Assets
Cash, cash balances at central banks and other demand deposits (from 2	001		3,103,800,978 2,933,879,494
to 4)
Cash in hand	002	136,782,367	138,618,855
Cash balances at central banks	003		2,957,462,257 2,785,318,866
Other demand deposits Financial assets held for trading (from 6 to 9)	004 005	9,556,354 54,809,698	9,941,773 55,509,502
Derivatives	006	612,632	0
Equity instruments	007	14,348,314	15,608,510
Debt securities	008	39,848,752	39,900,992
Loans and advances	009	0	0
Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13)	010	490,500	495,957
Equity instruments	011	0	0
Debt securities	012	0	0
Loans and advances Financial assets at fair value through profit or loss (15 + 16)	013	490,500	495,957
Debt securities	014 015	105,740 105,740	105,061 105,061
Loans and advances	016	0	0
Financial assets at fair value through other comprehensive income
(from 18 to 20)	017	4,394,287	4,539,163
Equity instruments	018	4,394,287	4,539,163
Debt securities	019	0	0
Loans and advances	020	0	0
Financial assets at amortised cost (22 + 23)	021		3,786,154,629 3,797,730,561
Debt securities	022	855,856,956	905,107,190
Loans and advances Derivatives - hedge accounting	023		2,930,297,673 2,892,623,371
Fair value changes of the hedged items in portfolio hedge of interest rate risk	024 025	0 0	0 0
Investments in subsidiaries, joint ventures and associates Tangible assets	026 027	6	17
Intangible assets	028	60,929,284 14,620,305	55,948,716 14,251,708
Tax assets	029	5,316,953	5,273,307
Other assets	030	14,994,533	14,619,644
Fixed assets and disposal groups classified as held for sale	031	0	742,073
Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31)	032		7,045,616,913 6,883,095,203
Liabilities
Financial liabilities held for trading (from 34 to 38)	033	16,165	182,699
Derivatives	034	16,165	182,699
Short positions	035	0	0
Deposits	036	0	0
Debt securities issued Other financial liabilities	037 038	0	0
Financial liabilities at fair value through profit or loss (from 40 to 42)	039	0 0	0 0
Deposits	040	0	0
Debt securities issued	041	0	0
Other financial liabilities	042	0	0
Financial liabilities measured at amortised cost (from 44 to 46)	043		6,417,895,965 6,224,677,850
Deposits	044		6,396,764,556 6,211,851,170
Debt securities issued	045	0	0
Other financial liabilities	046	21,131,409	12,826,680
Derivatives - hedge accounting	047	0	0
Fair value changes of the hedged items in portfolio hedge of interest rate risk	048	0	0
Provisions	049	41,571,561	36,605,030
Tax liabilities	050	7,508,138	5,873,630
Share capital repayable on demand	051	0	0
Other liabilities	052	45,096,050	37,135,887
Liabilities included in disposal groups classified as held for sale	053	0	0
Total liabilities (33 + 39 + 43 + from 47 to 53) Equity	054		6,512,087,879 6,304,475,096
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	059	8,645,102	8,720,174
Retained profit	060	191,829,335	274,915,497
Revaluation reserves	061	0	0
Other reserves	062	87,998,149	87,998,159
( – ) Treasury shares	063	0	-3,920
Profit or loss attributable to owners of the parent (-–) Interim dividends	064 065	83,086,448 0	45,020,197 0
Minority interests [non-controlling interests]	066	0	0
Total equity (from 55 to 66)	067	533,529,034	578,620,107
Total equity and liabilities (54 + 67)	068		7,045,616,913 6,883,095,203

STATEMENT OF PROFIT OR LOSS for the period 01.01.2024. to 30.06.2024.

Submitter: Hrvatska poštanska banka p.l.c.

Item			Same period of the previous year	Current period
		Cumulative	Quarter	Cumulative	Quarter
1	2	3	4	5	6
Interest income (Interest expenses)	001 002	81,547,231 8,007,642	43,674,130 4,629,286	129,616,938 38,703,925	64,398,982 19,958,264
(Expenses on share capital repayable on demand)	003	0	0	0	0
Dividend income	004	151,493	146,670	212,950	207,378
Fees and commissions income	005	37,141,309	19,209,108	36,533,169	19,486,386
(Fees and commissions expenses)	006	20,677,591	10,384,098	19,510,606	10,229,199
Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net	007	0	0	0	0
Gains or (-) losses on financial assets and liabilities held for trading, net	008	2,131,060	1,535,688	1,603,725	795,128
Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss, net	009	454,131	491,117	487	575
Gains or (-) losses on derecognition of financial assets and liabilities at fair value through profit or loss, net	010	0	0	0	0
Gains or (-) losses from hedge accounting, net Exchange rate differences [gain or (-) loss], net	011 012	0 -16,626	0 -192,205	0 448,603	0 -177,567
Gains or (-) losses on derecognition of of investments in subsidiaries, joint
ventures and associates, net	013	0	0	0	0
Gains or (-) losses on derecognition of non-financial assets, net	014	22,907	18,152	69,773	59,435
Other operating income	015	7,153,849	6,543,968	1,926,082	1,517,282
(Other operating expenses)	016	3,304,704	2,388,655	1,716,723	963,824
Total operating income, net (1 – 2 – 3 + 4 + 5 – 6 + from 7 to 15 – 16) (Administrative expenses)	017 018	96,595,417 49,941,202	54,024,589 25,947,096	110,480,473 48,112,480	55,136,312 25,130,118
(Cash contributions to resolution boards and deposit guarantee schemes)	019	75,000	-568,122	0	0
(Depreciation)	020	7,174,903	3,597,220	7,207,574	3,427,883
Modification gains or (-) losses, net	021	-290,480	-41,111	-143,596	-69,656
(Provisions or (-) reversal of provisions) (Impairment or (-) reversal of impairment on financial assets not measured	022	-9,045,249	-2,829,099	-32,546	994,556
at fair value through profit or loss) (Impairment or (-) reversal of impairment of investments in subsidiaries,	023	-1,834,250	-1,689,994	496,492	-240,211
joint ventures and associates)	024	0	0	0	0
(Impairment or (-) reversal of impairment on non-financial assets)	025	172,638	172,638	0	0
Negative goodwill recognised in profit or loss	026	0	0	0	0
Share of the profit or (-) losses of investments in subsidiaries, joint ventures and associates accounted for using the equity method	027	0	0	0	0
Profit or (-) loss from fixed assets and disposal groups classified as held for	028	0	0	0	0
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)	029	49,820,693	29,353,739	54,552,877	25,754,310
(Tax expense or (-) income related to profit or loss from continuing	030	5,111,011	4,973,110	9,532,680	4,554,958
operations)
Profit or (-) loss after tax from continuing operations (29 – 30)	031	44,709,682	24,380,629	45,020,197	21,199,352
Profit or (-) loss after tax from discontinued operations (33 – 34)	032	0	0	0	0
Profit or (-) loss before tax from discontinued operations	033	0	0	0	0
(Tax expense or (-) income related to discontinued operations)	034	0	0	0	0
Profit or ( – ) loss for the year (31 + 32; 36 + 37)	035	44,709,682	24,380,629	45,020,197	21,199,352
Attributable to minority interest [non-controlling interests]	036	0	0	0	0
Attributable to owners of the parent	037	44,709,682	24,380,629	45,020,197	21,199,352
STATEMENT OF OTHER COMPREHENSIVE INCOME
Income or (-) loss for the current year	038	44,709,682	24,380,629	45,020,197	21,199,352
Other comprehensive income (40+ 52) Items that will not be reclassified to profit or loss (from 41 to 47 +	039	373,430	99,849	75,071	-168,600
50 + 51)	040	373,430	99,849	75,071	-168,600
Tangible assets	041	0	0	0	0
Intangible assets	042	0	0	0	0
Actuarial gains or (-) losses on defined benefit pension plans	043	0	0	0	0
Fixed assets and disposal groups classified as held for sale	044	0	0	0	0
Share of other recognised income and expense of entities accounted	045	0	0	0	0
for using the equity method Fair value changes of equity instruments measured at fair value through other comprehensive income	046	0	0	145,382	-205,610
value through other comprehensive income, net	047	456,663	99,849	0	0
other comprehensive income [hedged item]	048	0	0	0	0
other comprehensive income [hedging instrument]	049	0	0	0	0
Fair value changes of financial liabilities measured at fair value through profit or loss attributable to changes in their credit risk	050	0	0	0	0
Income tax relating to items that will not be reclassified	051	-83,233	0	-70,311	37,010
Items that may be reclassified to profit or loss (from 53 to 60)	052	0	0	0	0
Hedge of net investments in foreign operations [effective portion]	053	0	0	0	0
Foreign currency translation	054	0	0	0	0
Cash flow hedges [effective portion]	055	0	0	0	0
Hedging instruments [not designated elements]	056	0	0	0	0
Debt instruments at fair value through other comprehensive income	057	0	0	0	0
Fixed assets and disposal groups classified as held for sale Share of other recognised income and expense of investments in	058	0	0	0	0
subsidiaries, joint ventures and associates	059	0	0	0	0
Income tax relating to items that may be reclassified to profit or (-) loss	060	0	0	0	0
Total comprehensive income for the current year (38 + 39; 62 + 63) Attributable to minority interest [non-controlling interest]	061 062	45,083,112 0	24,480,478 0	45,095,268 0	21,030,752 0
Attributable to owners of the parent	063	45,083,112	24,480,478	45,095,268	21,030,752

in EUR

STATEMENT OF CASH FLOW for the period 01.01.2024 to 30.06.2024

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	007
Other receipts	008	0	0
(Other expenditures) Operating activities - indirect method		0	0
Profit/(loss) before tax	009
		49,820,693	54,552,877
Adjustments:		0	0
Impairment and provisions	010	-10,589,019	463,946
Depreciation	011	7,174,903	7,207,574
Net unrealised (gains)/losses on financial assets and liabilities at fair	012	-2,585,191	-1,604,212
value through statement of profit or loss (Profit)/loss from the sale of tangible assets	013	0	-69,773
Other non-cash items	014	-73,539,588	-91,430,970
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	72,472,289	37,674,302
Securities and other financial instruments at fair value through other comprehensive income	018	-3,227,947	-144,876
Securities and other financial instruments held for trading	019	13,070,112	-699,805
Securities and other financial instruments at fair value through statement of profit or loss, not traded	020	0	0
Securities and other financial instruments mandatorily at fair value through statement of profit or loss	021	0	-5,457
Securities and other financial instruments at amortised cost	022	-27,177,102	-49,250,234
Other assets from operating activities	023	3,794,173	374,887
Deposits from financial institutions	024	119,807,193	78,337,329
Transaction accounts of other clients	025	777,313,158	-340,224,810
Savings deposits of other clients	026	-1,005,441,454	-18,658,554
Time deposits of other clients	027	150,872,379	112,720,132
Derivative financial liabilities and other liabilities held for trading	028	5,339,358	166,534
Other liabilities from operating activities	029	-5,373,865	-11,475,108
Interest received from operating activities [indirect method]	030	81,547,231	129,616,938
Dividends received from operating activities [indirect method]	031	151,493	207,378
Interest paid from operating activities [indirect method]	032	-8,007,642	-38,703,925
(Income tax paid)	033	0	-11,123,541
Net cash flow from operating activities (from 1 to 33)	034	145,421,174	-142,069,368
Investing activities
Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-6,769,815	-10,905,210
Cash receipts from the sale / payments for the purchase of investments in branches, associates and joint ventures	036	0	0
Cash receipts from the sale / payments for the purchase of securities	037	-405,789	0
and other financial instruments held to maturity Dividends received from investing activities	038
		0	0
Other receipts/payments from investing activities	039	0	-11
Net cash flow from investing activities (from 35 to 39)	040	-7,175,604	-10,905,221
Financing activities
Net increase/(decrease) in loans received from financing activities	041	37,736,969	-16,953,174
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	0
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	37,736,969 175,982,539	-16,953,174 -169,927,763
Cash and cash equivalents at the beginning of period Effect of exchange rate fluctuations on cash and cash equivalents	049 050	1,485,318,572 -16,626	3,103,800,978 6,279
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	1,661,284,485	2,933,879,494

STATEMENT OF CHANGES IN EQUITY

to30.6.2024for the period from

for th eri od fro e p	m	to	30. 6.2 024												in E UR
						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	8,6 45, 102	191 ,829 ,335	0	87, 998 ,14 9	0	83, 086 ,44 8	0	0	0	533 ,529 ,034
Effe of e ions cts rect rror cor	002	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Effe of c han in ting licie cts ges acc oun po s	003	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ope ning ba lanc e [c erio d] ( 1 + 2 + 3) nt p urre	004	161 ,970 ,000	0	0	0	8,64 5,10 2	191 ,829 ,335	0	87,9 98,1 49	0	83,0 86,4 48	0	0	0	533 ,529 ,034
Ord inar y sh iss ares ue	005	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Pre fere sha issu nce res e	006	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issu e of oth quit y in stru ts er e men	007	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Exe rcis pira tion of oth quit y in stru ts e o r ex er e men issu ed	008	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Con ion of r viab les quit y in to e stru ts vers ece men	009	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cap ital red ion uct	010	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Divi den ds	011	0	0	0	0	0	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	-3,9 20	0	0	0	0	-3,9 20
Sale cell atio n of hare tre or can asu ry s s	013	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Rec lass ifica tion of f inan cial ins fro quit trum ents y to m e 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 fro m li abil ity t trum ents o ity equ	015	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tra nsfe s of uity ent rs a mo ng c om pon eq	016	0	0	0	0	0	83, 086 ,44 8	0	0	0	-83 ,086 ,448	0	0	0	0
Equ ity i r ( - ) d sult ing from ncr eas e o ecr eas e re bus ines mb inat ions s co	017	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Sha re b d p ent ase aym s	018	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Oth er i r (-) de in e quit ncr eas e o cre ase y	019	0	0	0	0	0	-28 6	0	10	0	0	0	0	0	-276
Tot al c hen sive inc e fo r th t ye om pre om e cu rren ar	020	0	0	0	0	75, 072	0	0	0	0	45, 020 ,19 7	0	0	0	45,0 95,2 69
Clo sing ba lanc e [c erio d] ( from o 20 ) nt p 4 t urre	021	161 ,970 ,000	0	0	0	8,72 0,17 4	274 ,915 ,497	0	87,9 98,1 59	-3,9 20	45,0 20,1 97	0	0	0	578 ,620 ,107

Notes to financial statements
1) INTEREST INCOME				in EUR
AOP 001	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
	Cumulative	Quarter	Cumulative	Quarter
Debt securities Loans and advances	7,484,731 58,920,481	4,202,914 29,931,155	10,674,095 63,191,869	5,138,828 31,625,396
Other assets Deposits	15,137,159 4,860	9,535,458 4,603	55,747,160 3,814	27,632,841 1,917
Other liabilities Total	- 81,547,231	- 43,674,130	- 129,616,938	- 64,398,982
2) INTEREST EXPENSE				in EUR
AOP 002	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
	Cumulative	Quarter	Cumulative	Quarter
Debt securities Loans and advances	- 3,734	- 1,072	- 150	- 44
Other assets Deposits	- 7,966,006	- 4,608,827	- 38,495,956	- 19,943,926
Other liabilities Total	37,902 8,007,642	19,387 4,629,286	207,819 38,703,925	14,294 19,958,264
3) FEE AND COMMISSION INCOME				in EUR
AOP 005	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
Payment transactions	Cumulative 20,506,305	Quarter 10,314,648	Cumulative 19,905,399	Quarter 10,284,167
Account and package fees	6,176,494	3,090,098	6,011,632	3,073,505
Card business Mobile and Internet banking	2,478,979 1,224,875	1,322,174 625,537	2,469,503 1,248,334	1,280,274 617,154
Other Total	6,754,656 37,141,309	3,856,651 19,209,108	6,898,301 36,533,169	4,231,285 19,486,386
4) FEE AND COMMISSION EXPENSE				in EUR
AOP 006	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
Payment transactions	Cumulative 13,708,737	Quarter 6,715,221	Cumulative 12,590,839	Quarter 6,399,879
Other Total	6,968,854 20,677,591	3,668,877 10,384,098	6,919,767 19,510,606	3,829,321 10,229,199
				in EUR
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES AOP 007	Same period of the previous year 01.01.-		Current period 01.01. – 30.06.2024
	30.06.2023 Cumulative	Quarter	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.-		Current period 01.01. – 30.06.2024
	30.06.2023 Cumulative	Quarter	Cumulative	Quarter
Equity instruments Debt securities	1,252,977 (90,129)	692,005 68,759	1,284,801 62,232	140,999 104,443
FX transactions and derivatives Total	968,213 2,131,060	774,924 1,535,688	256,692 1,603,725	549,686 795,128
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.-		Current period 01.01. – 30.06.2024
	30.06.2023 Cumulative	Quarter	Cumulative	Quarter
Equity instruments Debt securities	- -	- -	- -	- -
Loans and advances Total	454,131 454,131	491,117 491,117	487 487	574 574
8) OPERATING EXPENSES				in EUR
AOP 015 & AOP 017 & AOP 018	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
Other operating expenses	Cumulative 3,304,703	Quarter 2,388,655	Cumulative 1,716,723	Quarter 963,823
Administrative expenses	49,941,202	25,947,095	48,112,480	25,130,118
Employee expenses Other administrative expenses	25,522,799 24,418,403	13,215,369 12,731,727	27,832,628 20,279,852	14,366,331 10,763,787
(Contributions in cash rehabilitation committees and Deposit Insurance Schemes) Amortization	75,000 7,174,904	(568,122) 3,597,221	- 7,207,574	- 3,427,883
Property, plant and equipment Investment property	4,074,766 -	1,875,605 -	4,409,258 -	2,056,513 -
Other intangible assets Total	3,100,138 60,495,809	1,721,616 31,364,849	2,798,316 57,036,777	1,371,370 29,521,825
9) IMPAIRMENT LOSSES AND PROVISION EXPENSES				in EUR
AOP 019 & AOP 020 & AOP 021 & AOP 023	Same period of the previous year 01.01.- 30.06.2023		Current period 01.01. – 30.06.2024
	Cumulative	Quarter	Cumulative	Quarter
Modification gains or (-) losses, net Financial assets at fair value through other comprehensive income	(290,480) -	(41,112) -	(143,596) -	(69,655) -
Financial assets at amortized cost (Provisions or (-) reversal of provisions)	(290,480) (9,045,249)	(41,112) (2,829,099)	(143,596) (32,546)	(69,655) 994,555
Liabilities towards resolution committees and deposit insurance systems (Liabilities and Guarantees)	- (3,567,373)	- (888,085)	- 651,930	- 834,658
(Other Provisions) (Impairment or (-) reversal of impairment on financial assets that are not	(5,477,876)	(1,941,015)	(684,477)	159,897
measured at fair value through profit or loss)	(1,834,250)	(1,689,995)	496,492	(240,211)
(Financial assets at fair value through other comprehensive income) (Financial assets at amortized cost)	- (1,834,250)	- (1,689,995)	- 496,492	- (240,211)
(Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and associates)	-	-	-	-
(Impairment or (-) reversal of impairment off non-financial assets) (Property, plant and equipment)	172,638 31,303	172,638 31,303	- -	- -
(Investment property) (Goodwill)	- -	- -	- -	- -
(Other intangible assets) (Other)	141,335 -	141,335 -	- -	- -
Total	(10,416,381)	(4,305,344)	607,541	824,000
10) LOANS AND ADVANCES
AOP 023	Stage 1	31.12.2023 Stage 2	Stage 3	Stage 1	30.6.2024 Stage 2
Central banks Mandatory reserve	- -	- -	- -	455,300 -	- -
Allowance Other receivables	- -	- -	- -	- 455,300	- -
Allowance Government	- 448,859,075	- 1,773,946	- 2,846,111	- 393,613,694	- 58,338	2,813,643
Gross loans Allowance	450,089,885 (1,230,810)	1,805,576 (31,630)	2,916,570 (70,459)	394,706,996 (1,093,302)	61,536 (3,198)	2,883,854
Credit institutuions Gross loans	1,564,563 16,432	- -	168 172	133,338 1,728	- -
Allowance Deposits	- 1,551,167	- -	(4) -	- 132,081	- -
Allowance Other financial institutions	(3,035) 37,699,866	- 6,402	- 527	(470) 42,967,187	- 2,273
Gross loans Allowance	35,792,179 (197,893)	11,336 (4,934)	132,772 (132,245)	41,007,253 (214,966)	2,472 (199)
Deposits Allowance	2,157,717 (52,138)	- -	- -	2,227,257 (52,357)	- -
Non - financial institutions Gross loans	652,151,087 661,450,783	186,276,332 195,925,509	36,332,874 98,793,546	707,672,696 716,526,279	152,004,140 159,813,471	24,458,351 84,628,087
Allowance Retail	(9,299,697) 1,273,097,668	(9,649,177) 255,463,828	(62,460,672) 34,225,225	(8,853,584) 1,294,990,504	(7,809,331) 242,047,972	(60,169,736) 31,405,789
Gross loans Allowance	1,279,022,452 (5,924,784)	277,544,147 (22,080,319)	167,697,343 (133,472,118)	1,300,409,746 (5,419,242)	262,996,119 (20,948,147)	169,968,493 (138,562,703)
Total	2,413,372,259	443,520,509 -	73,404,905	2,439,832,718	394,112,723	58,677,929
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS		in EUR
AOP 013 Central banks	31.12.2023 -	30.6.2024 -
Local state Credit institutions	- -	- -
Other financial institutions Non - financial institutions	- -	- -
Retail Total	490,500 490,500	495,957 495,957
12) DEPOSITS		in EUR
AOP 044 Central banks	31.12.2023 73,698,625	30.6.2024 73,797,469
Local state Credit institutions	1,850,606,910 119,203,207	1,597,303,580 186,352,789
Other financial institutions Non - financial institutions	317,594,138 896,908,882	352,740,158 711,691,777

Retail 3,138,752,794 3,289,965,397 Total 6,396,764,556 6,211,851,170