Hrvatska Poštanska Banka d.d.

Quarterly Report • Apr 29, 2024

HPB p.l.c. 3M 2024

Unaudited Financial statements

April 2024

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 - 31.3.2024, HPB p.l.c. 3M 2024 Unaudited Financial statements for the period 1.1.2024 - 31.3.2024 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 March 31, 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 (NN 114/2018, 27/2021, 26/2022, 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 March 31, 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 IVAN SOLDO Digitally signed by IVAN SOLDO Date: 2024.04.29 12:59:55 +02'00'

Member of the Management Board Member of the Management Board

Anto Mihaljević 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 23.82 million. Net profit of the parent company amounts to EUR 23.86 million. HPB Invest realized a net loss of EUR 32.32 thousand and HPB-Nekretnine a net loss of EUR 4.26 thousand.

Marko Badurina Tadija Vrdoljak President of the Management Board Member of the Management Board IVAN Digitally signed by IVAN SOLDO

Ivan Soldo Josip Majher SOLDO Date: 2024.04.29 12:58:20 +02'00'

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	31.3.2024
Year:		2024
Quarter:		1
		Quarterly financial statements
Registration number (MB):	03777928		Issuer's home Member State code:	HRVATSKA
Entity's registration number (MBS):	080010698
Personal identification number (OIB):	87939104217		LEI:	529900D5G4V6THXC5P79
Institution code:	319
	Name of the issuer: HRVATSKA POŠTANSKA BANKA, dioničko društvo
Postcode and town:	10000		ZAGREB
Street and house number: JURIŠIĆEVA ULICA 4
	E-mail address: hpb@hpb.hr
	Web address: www.hpb.hr
Number of employees (end of the reporting	1745
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.		Ulica Milana Amruša 8, 10000 Zagreb			01972260
					Yes
Bookkeeping firm:	No	(Yes/No)		(name of the bookkeeping firm)	No
Contact person: Tea Bažant	(only name and surname of the contact person)
	Telephone: 014804670
	E-mail address: tea.bazant@hpb.hr
Audit firm:
Certified auditor:	(name of the audit firm)
	(name and surname)

BALANCE SHEET balance as at 31.03.2024.

in EUR

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		3,103,800,978 2,873,120,420
Cash in hand	002	136,782,367	108,488,086
Cash balances at central banks	003		2,957,462,257 2,754,347,469
Other demand deposits	004	9,556,354	10,284,865
Financial assets held for trading (from 6 to 9)	005	54,809,698	55,174,810
Derivatives	006	612,632	6,676
Equity instruments	007	14,348,314	15,468,427
Debt securities	008	39,848,752	39,699,707
Loans and advances Non-trading financial assets mandatorily at fair value through profit or	009 010	0 490,500	0 505,795
loss (from 11 to 13) Equity instruments	011	0	0
Debt securities	012	0	0
Loans and advances	013	490,500	505,795
Financial assets at fair value through profit or loss (15 + 16)	014	105,740	105,611
Debt securities	015	105,740	105,611
Loans and advances Financial assets at fair value through other comprehensive income (from	016 017	0 4,394,287	0 4,744,613
18 to 20) Equity instruments	018	4,394,287	4,744,613
Debt securities	019	0	0
Loans and advances	020	0	0
Financial assets at amortised cost (22 + 23)	021		3,786,154,629 3,736,417,075
Debt securities	022	855,856,956	856,702,984
Loans and advances	023		2,930,297,673 2,879,714,091
Derivatives - hedge accounting	024	0	0
Fair value changes of the hedged items in portfolio hedge of interest rate risk	025	0	0
Investments in subsidiaries, joint ventures and associates	026	6	6
Tangible assets	027	60,929,284	58,582,165
Intangible assets Tax assets	028 029	14,620,305 5,316,953	14,595,536 5,222,999
Other assets	030	14,994,533	11,307,970
Fixed assets and disposal groups classified as held for sale	031	0	1,777,644
Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31)	032		7,045,616,913 6,761,554,644
Liabilities
Financial liabilities held for trading (from 34 to 38)	033	16,165	232,319
Derivatives	034	16,165	232,319
Short positions	035	0	0
Deposits	036	0	0
Debt securities issued	037	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)	042 043	0	0 6,417,895,965 6,111,033,398
Deposits	044		6,396,764,556 6,090,772,787
Debt securities issued	045	0	0
Other financial liabilities	046	21,131,409	20,260,611
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	37,995,511
Tax liabilities	050	7,508,138	11,268,271
Share capital repayable on demand Other liabilities	051 052	0 45,096,050	0 43,435,801
Liabilities included in disposal groups classified as held for sale	053	0	0
Total liabilities (33 + 39 + 43 + from 47 to 53)	054		6,512,087,879 6,203,965,300
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	8,645,102	8,888,773
Retained profit	060	191,829,335	274,915,497
Revaluation reserves	061	0	0
Other reserves	062	87,998,149	87,998,149
( – ) Treasury shares	063	0	-3,920
Profit or loss attributable to owners of the parent	064	83,086,448	23,820,845
(-–) Interim dividends Minority interests [non-controlling interests]	065 066	0 0	0 0
Total equity (from 55 to 66)	067	533,529,034	557,589,344
Total equity and liabilities (54 + 67)	068		7,045,616,913 6,761,554,644

STATEMENT OF PROFIT OR LOSS for the period 01.01.2024. to 31.03.2024.

Attributable to owners of the parent

Cumulative Quarter Cumulative Quarter 2 3 4 5 6 001 37,873,101 37,873,101 65,217,956 65,217,956 002 3,378,357 3,378,357 18,745,661 18,745,661 003 0 0 0 0 004 4,823 4,823 5,572 5,572 005 17,932,200 17,932,200 17,046,783 17,046,783 006 10,293,493 10,293,493 9,281,407 9,281,407 007 0 0 0 0 008 595,372 595,372 808,597 808,597 009 -36,986 -36,986 -88 -88 010 0 0 0 0 011 0 0 0 0 012 175,579 175,579 626,170 626,170 013 0 0 0 0 014 4,755 4,755 10,338 10,338 015 609,883 609,883 408,800 408,800 016 916,048 916,048 752,899 752,899 017 42,570,829 42,570,829 55,344,161 55,344,161 018 23,994,106 23,994,106 22,982,362 22,982,362 019 643,122 643,122 0 0 020 3,577,683 3,577,683 3,779,691 3,779,691 021 -249,369 -249,369 -73,940 -73,940 022 -6,216,150 -6,216,150 -1,027,102 -1,027,102 023 -144,256 -144,256 736,703 736,703 024 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 20,466,955 20,466,955 28,798,567 28,798,567 030 137,902 137,902 4,977,722 4,977,722 031 20,329,053 20,329,053 23,820,845 23,820,845 032 0 0 0 0 033 0 0 0 0 034 0 0 0 0 035 20,329,053 20,329,053 23,820,845 23,820,845 036 0 0 0 0 037 20,329,053 20,329,053 23,820,845 23,820,845 038 20,329,053 20,329,053 23,820,845 23,820,845 039 273,580 273,580 243,671 243,671 040 273,580 273,580 243,671 243,671 041 0 0 0 0 042 0 0 0 0 043 0 0 0 0 044 0 0 0 0 045 0 0 0 0 046 356,813 356,813 350,992 350,992 047 0 0 0 0 048 0 0 0 0 049 0 0 0 0 050 0 0 0 0 051 -83,233 -83,233 -107,321 -107,321 052 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 20,602,633 20,602,633 24,064,516 24,064,516 062 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 value through other comprehensive income, net 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 other comprehensive income [hedged item] other comprehensive income [hedging instrument] 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 20,602,633 20,602,633 24,064,516 24,064,516

in EUR

STATEMENT OF CASH FLOW for the period 01.01.2024 to 31.03.2024

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 (Interest paid and similar expenditures)	002 003	0 0	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
statement of profit or loss	006	0	0
Other receipts	007	0	0
(Other expenditures)	008	0	0
Operating activities - indirect method
Profit/(loss) before tax Adjustments:	009	20,466,954 0	28,798,567 0
Impairment and provisions	010	-6,111,037	-290,399
Depreciation	011	3,577,683	3,779,691
Net unrealised (gains)/losses on financial assets and liabilities at fair
value through statement of profit or loss	012	-558,386	-808,509
(Profit)/loss from the sale of tangible assets	013	0	-10,338
Other non-cash items	014	-34,494,744	-47,030,097
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	-93,601,663	46,513,898
Securities and other financial instruments at fair value through other comprehensive income	018	-1,411,486	-350,326
Securities and other financial instruments held for trading	019	-214,361	-365,112
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	-15,295
Securities and other financial instruments at amortised cost	022	-9,615,985	-846,028
Other assets from operating activities	023	-4,518,898	3,686,560
Deposits from financial institutions	024	-77,253,256	-6,779,136
Transaction accounts of other clients	025	700,948,156	-382,211,770
Savings deposits of other clients	026	-937,403,481	-16,671,738
Time deposits of other clients	027	79,170,314	129,729,635
Derivative financial liabilities and other liabilities held for trading Other liabilities from operating activities	028 029	5,468,658	216,154
Interest received from operating activities [indirect method]	030	1,083,850 37,873,101	-1,265,623 65,217,956
Dividends received from operating activities [indirect method]	031	4,823	5,572
Interest paid from operating activities [indirect method]	032	-3,378,357	-18,745,661
(Income tax paid)	033	0	0
Net cash flow from operating activities (from 1 to 33)	034	-319,968,115	-197,441,999
Investing activities
Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-2,877,170	-3,185,447
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	-500,000	0
Dividends received from investing activities	038	0	0
Other receipts/payments from investing activities	039	0	0
Net cash flow from investing activities (from 35 to 39)	040	-3,377,170	-3,185,447
Financing activities
Net increase/(decrease) in loans received from financing activities	041	4,676,845	-30,058,759
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 Net cash flow from financing activities (from 41 to 46)	046 047	0 4,676,845	0 -30,058,759
Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	-318,668,440	-230,686,205
Cash and cash equivalents at the beginning of period	049	1,485,318,572	3,103,800,978
Effect of exchange rate fluctuations on cash and cash equivalents	050	175,579	5,647
Cash and cash equivalents at the end of period (48 + 49 + 50)	051	1,166,825,711	2,873,120,420

STATEMENT OF CHANGES IN EQUITY

						Attr ibu tab le to	f th ow ner s o	nt e p are					Non ntro -co	llin g in tere st
Sou f eq uity ch rce s o ang es	AD P cod e	Equ ity	Sha re pre miu m	Equ ity inst ent rum s issu ed oth er tha pita l n ca	Oth qui ty er e	Acc ulat ed um oth er hen si com pre inco ve me	Reta ined prof it	Rev alua tion rese rves	Oth er rese rves	( ) T reas ury sha res	Prof it or ( - ) loss attr ibut able to of th own ers e nt pare	(-) In terim divi den ds	Acc ulat ed um oth er hen si com pre inco ve 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 nin g b alan ce [ bef t] tate ore res men	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, 149	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 qui ty i nst ent e o r ex er e rum s 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 trum ents fro quit 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 nsf nts of e qui ty ers am ong co mp one	016	0	0	0	0	0	83, 086 ,44 8	0	0	0	-83 ,08 6,4 48	0	0	0	0
Equ ity inc r ( - ) d sul ting fro m b usi rea se o ecr eas e re nes s bin atio com ns	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 ity ncr eas e o cre ase equ	019	0	0	0	0	0	-28 6	0	0	0	0	0	0	0	-28 6
Tot al c hen sive inc e fo r th t ye om pre om e cu rren ar	020	0	0	0	0	243 ,67 1	0	0	0	0	23, 820 ,84 5	0	0	0	24,0 64,5 16
Clo sin g b alan ce [ riod ] (fr o 2 0) t pe 4 t cur ren om	021	161 ,970 ,000	0	0	0	8,88 8,77 3	274 ,915 ,497	0	87,9 98,1 49	-3,9 20	23,8 20,8 45	0	0	0	557 ,589 ,344

to31.3.2024 for the period from

1) INTEREST INCOME				in EUR
AOP 001	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
Debt securities	Cumulative 3,281,817	Quarter 3,281,817	Cumulative 5,535,267	Quarter 5,535,267
Loans and advances Other assets	28,989,326 5,601,701	28,989,326 5,601,701	31,566,473 28,114,319	31,566,473 28,114,319
Deposits Other liabilities	257 -	257 -	1,897 -	1,897 -
Total	37,873,101	37,873,101	65,217,956	65,217,956
2) INTEREST EXPENSE	Same period of the previous year 01.01.-			in EUR
AOP 002	31.03.2023		Current period 01.01. – 31.03.2024
Debt securities	Cumulative -	Quarter -	Cumulative -	Quarter -
Loans and advances Other assets	2,662 -	2,662 -	106 -	106 -
Deposits Other liabilities	3,357,179 18,515	3,357,179 18,515	18,552,030 193,525	18,552,030 193,525
Total	3,378,357	3,378,357	18,745,661	18,745,661
3) FEE AND COMMISSION INCOME				in EUR
AOP 005	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
Securities	Cumulative 111,986	Quarter 111,986	Cumulative 67,047	Quarter 67,047
Asset management	3,833	3,833	843	843
Custody [according to the type of client] Loan commitments	141,801 86,161	141,801 86,161	163,922 3,071	163,922 3,071
Other Total	17,588,420 17,932,200	17,588,420 17,932,200	16,811,900 17,046,783	16,811,900 17,046,783
4) FEE AND COMMISSION EXPENSE				in EUR
AOP 006	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
	Cumulative	Quarter	Cumulative	Quarter
Bank clearing and settlement Other	431,094 9,862,399	431,094 9,862,399	128,631 9,152,776	128,631 9,152,776
Total	10,293,493	10,293,493	9,281,407	9,281,407
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES	Same period of the previous year 01.01.-			in EUR
AOP 007	31.03.2023 Cumulative	Quarter	Current period 01.01. – 31.03.2024	Quarter
Debt securities	-	-	Cumulative -	-
Loans and advances Deposits	- -	- -	- -	- -
Debt Securities issued Other financial liabilities	- -	- -	- -	- -
Total	-	-	-	-
6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING				in EUR
AOP 008	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
Equity instruments	Cumulative 560,971	Quarter 560,971	Cumulative 1,143,802	Quarter 1,143,802
Debt securities	(158,888)	(158,888)	(42,211)	(42,211)
FX transactions and derivatives Total	193,289 595,372	193,289 595,372	(292,994) 808,597	(292,994) 808,597
7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS				in EUR
AOP 009	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
	Cumulative	Quarter	Cumulative	Quarter
Equity instruments Debt securities	- -	- -	- -	- -
Loans and advances Total	(36,986) (36,986)	(36,986) (36,986)	(88) (88)	(88) (88)
				in EUR
8) OPERATING EXPENSES AOP 015 & AOP 017 & AOP 018	Same period of the previous year 01.01.-		Current period 01.01. – 31.03.2024
	31.03.2023 Cumulative	Quarter	Cumulative	Quarter
Other operating expenses Administrative expenses	916,048 23,994,106	916,048 23,994,106	752,899 22,982,362	752,899 22,982,362
Employee expenses	12,307,431	12,307,431	13,466,297	13,466,297
Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes)	11,686,676 643,122	11,686,676 643,122	9,516,064 -	9,516,064 -
Amortization Property, plant and equipment	3,577,683 2,199,161	3,577,683 2,199,161	3,779,691 2,352,745	3,779,691 2,352,745
Investment property	-	-	-	-
Other intangible assets Total	1,378,522 29,130,959	1,378,522 29,130,959	1,426,946 27,514,952	1,426,946 27,514,952
9) IMPAIRMENT LOSSES AND PROVISION EXPENSES				in EUR
AOP 019 & AOP 020 & AOP 021 & AOP 023	Same period of the previous year 01.01.- 31.03.2023		Current period 01.01. – 31.03.2024
	Cumulative	Quarter	Cumulative	Quarter
Modification gains or (-) losses, net	(249,369)	(249,369)	(73,940)	(73,940)
Financial assets at fair value through other comprehensive income	-	-	-	-
Financial assets at amortized cost	(249,369)	(249,369)	(73,940)	(73,940)
(Provisions or (-) reversal of provisions) Liabilities towards resolution committees and deposit insurance systems	(6,216,149) -	(6,216,149) -	(1,027,102) -	(1,027,102) -
(Liabilities and Guarantees) (Other Provisions)	(2,679,288) (3,536,862)	(2,679,288) (3,536,862)	(182,728) (844,374)	(182,728) (844,374)
(Impairment or (-) reversal of impairment on financial assets that are not measured at fair value through profit or loss)	(144,256)	(144,256)	736,703	736,703
(Financial assets at fair value through other comprehensive income)	-	-	-	-
(Financial assets at amortized cost) (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint	(144,256)	(144,256)	736,703	736,703
ventures, and associates) (Impairment or (-) reversal of impairment off non-financial assets)	- -	- -	- -	- -
(Property, plant and equipment) (Investment property)	- -	- -	- -	- -
(Goodwill)	-	-	-	-
(Other intangible assets) (Other)	- -	- -	- -	- -
Total	(6,111,037)	(6,111,037)	(216,459)	(216,459)
10) LOANS AND ADVANCES AOP 023		31.12.2023			31.3.2024	in EUR
Central banks	Stage 1 -	Stage 2 -	Stage 3 -	Stage 1 240,700	Stage 2 -
Mandatory reserve	-	-	-	-	-
Allowance Other receivables	- -	- -	- -	- 240,700	- -	Stage 3 - - - -
Allowance Government	- 448,859,075	- 1,773,946	- 2,846,111	- 440,353,906	- 1,110,136
Gross loans Allowance	450,089,885 (1,230,810)	1,805,576 (31,630)	2,916,570 (70,459)	441,514,281 (1,160,375)	1,130,712 (20,577)
Credit institutuions Gross loans	1,564,563 16,432	- -	168 172	2,397,558 276,327	- -
Allowance Deposits	(0) 1,551,167	- -	(4) -	(2) 2,125,154	- -
Allowance Other financial institutions	(3,035) 37,699,866	- 6,402	- 527	(3,920) 35,970,797	- 10,798
Gross loans Allowance	35,792,179 (197,893)	11,336 (4,934)	132,772 (132,245)	34,007,986 (189,318)	11,017 (219)
Deposits	2,157,717	-	-	2,205,420	-
Allowance Non - financial institutions	(52,138) 652,151,087	- 186,276,332	- 36,332,874	(53,291) 644,367,674	- 167,285,064
Gross loans Allowance	661,450,783 (9,299,697)	195,925,509 (9,649,177)	98,793,546 (62,460,672)	653,212,257 (8,844,583)	175,200,936 (7,915,872)
Retail Gross loans	1,273,097,668 1,279,022,452	255,463,828 277,544,147	34,225,225 167,697,343	1,282,282,533 1,288,000,762	243,843,340 265,494,536
Allowance Total	(5,924,784) 2,413,372,259	(22,080,319) 443,520,509	(133,472,118) 73,404,905	(5,718,229) 2,405,613,168	(21,651,196) 412,249,337
						in EUR
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS AOP 013	31.12.2023	31.3.2024
Central banks Local state	- -	- -
Credit institutions Other financial institutions	- -	- -
Non - financial institutions Retail	- 490,500	- 505,795
Total	490,500	505,795
12) DEPOSITS						in EUR
AOP 044 Central banks	31.12.2023 73,698,625	31.3.2024 73,744,756
Local state Credit institutions	1,850,606,910 119,203,207	1,539,008,603 138,375,429				- 2,820,388 2,890,737 (70,349) - - - - - 525 136,359 (135,835) - - 27,066,860 87,041,283 (59,974,424) 31,963,812 170,100,909 (138,137,096) 61,851,585
Other financial institutions Non - financial institutions Retail	317,689,710 897,267,392 3,138,752,794	335,315,885 762,338,793 3,241,989,322