HPB Group

Unaudited Financial statements

October ²⁰²⁵ 9M 2025

Limitation of liability

The information and data contained in this presentation are intended to be general background information on Hrvatska poštanska banka p.l.c. as the parent company of the Hrvatska poštanska banka Group (hereinafter referred to as the Bank, Group or HPB) and its activities. They are provided in summary form and therefore do not necessarily represent complete information. Certain statements contained herein may be statements of future expectations and other forwardlooking statements about HPB, which are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, words such as "may," "will," "should," "expects," "plans," " contemplates," "intends," "anticipates," "estimates," "potential" or "continues" and similar expressions typically identify forward-looking statements. By their nature, forward-looking statements involve known and unknown risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. As such, forward-looking statements cannot be guaranteed. Accordingly, we cannot guarantee the realization of such forward-looking statements, nor should full reliance be placed on such forwardlooking statements. Many factors may affect our results of operations, financial conditions, liquidity, and developments in the industry in which we operate, and these may differ materially from those expressed or implied by the forward-looking statements contained herein.
This presentation contains financial and non-financial information and statistical data related to HPB. Such information and data are presented for illustrative purposes only. This presentation may include information and data derived from publicly available sources that have not been independently verified, and therefore HPB hereby expressly makes no representation of warranty of any kind including, but not limited to the accuracy, completeness or reliability of the information and data provided. This presentation is for information purposes only and does not contain a recommendation to buy or sell or an offer to sell or subscribe for shares, nor does it constitute an invitation to make an offer to sell shares.
This presentation has been prepared and the information in it has been checked with the greatest possible care. Nevertheless, rounding and transmission cannot be excluded. When adding up rounded amounts and percentages, differences may appear.

Type and name of prescribed information: Financial statements for the period 1.1.2025 - 30.9.2025,

HPB Group 9M 2025 Unaudited Financial statements for the period 1.1. – 30.9.2025

Issuer name, headquarter and address: Hrvatska poštanska banka p.l.c., Jurišićeva ulica 4, HR-10000 Zagreb

Issuer's Legal Entity Identifier (LEI) 529900D5G4V6THXC5P79

Home Member State: Republic of Croatia

International Securities Identification Number (ISIN) HRHPB0RA0002

Stock code (ticker): HPB-R-A

Regulated market and segment: Zagreb Stock Exchange, Official market

In accordance with the Capital Markets Act, Hrvatska poštanska Banka p.l.c. (hereinafter referred to as the Bank or HPB), as the parent company of the Hrvatska poštanska banka Group (Group), publishes unaudited consolidated financial statements for the period from January 1 to September 30, 2025.

Original and official report is published in Croatian.

The report includes:

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

Statement by persons responsible for compiling the report of HPB Group

In accordance with the Capital Market Act, the Management Board of HPB p.l.c., the parent company of HPB Group, states that according to their best knowledge the set of unaudited consolidated financial statements for the period from January 1 to September 30, 2025, are compiled in accordance with the accounting regulation applicable to credit institutions in Croatia, presents complete and accurate view of assets and liabilities, losses and gains, financial position and results of HPB p.l.c., as well as companies included in consolidation as a whole. On behalf of HPB p.l.c., the parent company of HPB Group:

President of the Management Board Member of the Management Board

Anto Mihaljević

Member of the Management Board

Marko Badurina Tadija Vrdoljak

Ivan Soldo Josip Majher

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 51.67 million. Net profit of the parent company amounts to EUR 51.39 million. HPB Invest realized a net profit of EUR 115.20 thousand and HPB-Nekretnine a net profit of EUR 162.20 thousand.

Anto Mihaljević

Member of the Management Board

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

We are creating conditions for a better life in Croatia.

HEADQUARTER

Address: Jurišićeva 4

HR - 10000 Zagreb

Telephones: 072 472 472

0800 472 472

+385 1 4805 057

Fax: +385 1 4810 773

E-mail: [email protected]

Annex 1
	IS	SUER'S GENERAL	. DATA
Reporting period:		01/01/2025	to	30/09/2025
Year:		2025
Quarter:		3
	Quarterly	financial statem	ents
Registration number (MB):	03777928	Issuer's h	ome Member	HRVATSKA
regionation nambor (wb).	00111020		State code:	IIIIVATORA
Entity's registration number (MBS):	080010698
Personal identification number (OIB):	87939104217		LEI	529900D5G4V6THXC5P79
Institution code:	319
Name of the issuer:	HRVATSKA POŠTANSI	KA BANKA, dioničko di	ruštvo
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	1779
Consolidated report:	KD (KN	-not consolidated/KD-co	onsolidated)
Audited:	RN (F	RN-not audited/RD-audit	ed)
Names of subsidiaries	(according to IFRS):		Registered	office:	MB:
HPB Invest d.o.o.		Jurišićeva ulica 4, 100	000 Zagreb		01972278
HPB-nekretnine d.o.o.		Jurišićeva ulica 4, 100	000 Zagreb		01972260






Bookkeeping firm:	No	(Yes/No)
Contact person:	Maja Škara		(name of th	e bookkeeping firm)
	(only name and surname	e of the contact person)
E-mail address:	[email protected]	_

Audit firm:	(name of the audit firm)
Certified auditor:	(name and surname)

ADP code Last day of the preceding business year Current period 2 3 4 001 3,798,726,463 2,339,481,358 002 133,826,421 150,045,545 003 3,654,552,643 2,176,884,227 004 10,347,399 12,551,586 005 66,015,020 64,453,771 006 0 39,399 007 27,486,733 29,432,192 008 38,528,287 34,982,180 009 0 0 010 498,236 495,928 011 0 0 012 0 0 013 498,236 495,928 014 106,024 103,353 015 106,024 103,353 016 0 0 017 5,462,269 5,704,297 018 5,462,269 5,704,297 019 0 0 020 0 0 021 3,919,006,922 5,225,832,429 022 1,032,259,212 1,852,990,418 023 2,886,747,710 3,372,842,011 024 0 2,586,091 025 0 -1,973 026 0 0 027 55,684,687 57,668,726 028 14,915,410 18,085,664 029 4,429,368 4,136,464 030 16,943,513 23,769,841 031 0 0 032 7,881,787,912 7,742,315,949 033 541,807 39,752 034 541,807 39,752 035 0 0 036 0 0 037 0 0 038 0 0 039 0 0 040 0 0 041 0 0 042 0 0 043 7,243,202,842 7,056,629,109 044 7,181,675,224 7,041,275,875 045 0 0 046 61,527,618 15,353,234 047 0 1,378,028 048 0 0 049 41,482,275 40,776,451 050 6,048,067 1,354,025 051 0 0 052 30,999,568 30,780,241 053 0 0 054 7,322,274,559 7,130,957,606 055 161,970,000 161,970,000 056 0 0 057 0 0 058 0 0 059 9,482,965 9,663,556 060 225,218,228 298,382,188 061 0 0 062 89,306,891 89,677,716 063 0 0 064 73,535,269 51,664,883 065 0 0 066 0 0 067 559,513,353 611,358,343 Equity instruments issued other than capital Other equity Accumulated other comprehensive income Retained profit Revaluation reserves Other reserves ( – ) Treasury shares Profit or loss attributable to owners of the parent (-–) Interim dividends Minority interests [non-controlling interests] Total equity (from 55 to 66) Share premium Other financial liabilities Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate risk Provisions Tax liabilities Share capital repayable on demand Other liabilities Liabilities included in disposal groups classified as held for sale Total liabilities (33 + 39 + 43 + from 47 to 53) Equity Capital Debt securities issued Derivatives Short positions Deposits Debt securities issued Other financial liabilities Financial liabilities at fair value through profit or loss (from 40 to 42) Deposits Debt securities issued Other financial liabilities Financial liabilities measured at amortised cost (from 44 to 46) Deposits Financial liabilities held for trading (from 34 to 38) Loans and advances Derivatives - hedge accounting Fair value changes of the hedged items in portfolio hedge of interest rate risk Investments in subsidiaries, joint ventures and associates Tangible assets Intangible assets Tax assets Other assets Fixed assets and disposal groups classified as held for sale Total assets (1 + 5 + 10 + 14 + 17 + 21 + from 24 to 31) Liabilities Debt securities Equity instruments Debt securities Loans and advances Financial assets at fair value through profit or loss (15 + 16) Debt securities Loans and advances Financial assets at fair value through other comprehensive income (from 18 to 20) Equity instruments Debt securities Loans and advances Financial assets at amortised cost (22 + 23) Non-trading financial assets mandatorily at fair value through profit or loss (from 11 to 13) Assets Cash, cash balances at central banks and other demand deposits (from 2 to 4) Cash in hand Cash balances at central banks Other demand deposits Financial assets held for trading (from 6 to 9) Derivatives Equity instruments Debt securities Loans and advances 1 Submitter: Hrvatska poštanska banka p.l.c. Item

Total equity and liabilities (54 + 67) 068 7,881,787,912 7,742,315,949

Submitter: Hrvatska poštanska banka p.l.c.
Item	ADP code	Same period of	the previous year	Current	Current period
		Cumulative	Quarter	Cumulative	Quarter
Interest income	001	3 195,401,249	4 65,784,311	5 169,431,336	6 55,234,245
(Interest expenses)	002	61,209,476	22,505,551	54,258,214	17,606,429
(Expenses on share capital repayable on demand)	003	0	0	0	0
Dividend income	004	218,426	5,476	235,042	5,850
Fees and commissions income (Fees and commissions expenses)	005 006	57,986,296 30,542,853	21,453,127 11,032,247	58,598,385 29,947,118	20,426,308 10,356,651
Gains or (-) losses on derecognition of financial assets and liabilities not	000	30,342,033	11,032,247	29,947,110	10,550,651
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	3,738,857	2,135,132	4,661,067	1,643,191
Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss, net	009	1,063	576	14,458	0
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	010	0	0	0	1 000 033
Exchange rate differences [gain or (-) loss], net	011 012	310,793	-137,810	1,185,673 2,076	1,060,832 -474,213
Gains or (-) losses on derecognition of of investments in subsidiaries,				·	-474,210
joint ventures and associates, net	013	0	0	0	0
Gains or (-) losses on derecognition of non-financial assets, net	014	79,350	9,577	344,943	247,770
Other operating income (Other operating expenses)	015 016	3,493,703	1,567,621	3,899,085	411,875 1,180,734
		2,126,222	409,499	2,977,393
Total operating income, net (1 - 2 - 3 + 4 + 5 - 6 + from 7 to 15 - 16) (Administrative expenses)	017 018	167,351,186 70,580,923	56,870,713 22,468,443	151,189,340 72,796,429	49,412,044 25,434,350
(Cash contributions to resolution boards and deposit guarantee schemes)	019	0	0	0	0
(Depreciation)	020	10,079,955	2,872,381	10,142,856	3,465,405
Modification gains or (-) losses, net	021	-362,467	-218,871	-4,302,093	-845,108
(Provisions or (-) reversal of provisions) (Impairment or (-) reversal of impairment on financial assets not	022	2,284,840	2,317,386	5,320,847	1,018,901
measured at fair value through profit or loss) (Impairment or (-) reversal of impairment of investments in subsidiaries,	023	9,686,095	9,189,603	-4,366,931	-75,696
joint ventures and associates)	024	0	0	0	0
(Impairment or (-) reversal of impairment on non-financial assets)	025	0	0	0	U
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	028	0	0	0	0
for sale not qualifying as discontinued operations Profit or (-) loss before tax from continuing operations (17 – 18 to 20 + 21 -	029	74.256.006	10.904.020	62 004 046	19 702 076
from 22 to 25 + from 26 to 28) (Tax expense or (-) income related to profit or loss from continuing		74,356,906	19,804,029	62,994,046	18,723,976
operations) Profit or (-) loss after tax from continuing operations (29 – 30)	030	13,113,097 61,243,809	3,580,417 16,223,612	11,329,163 51,664,883	3,331,613 15,392,363
Profit or (-) loss after tax from discontinued operations (33 – 34)	032	0	0	0	0
11 1 1		0	0	0	0
Profit or (-) loss before tax from discontinued operations	033				0
(Tax expense or (-) income related to discontinued operations)	034	0	0	0	0
Profit or ( – ) loss for the year (31 + 32; 36 + 37) Attributable to minority interest [non-controlling interests]	035 036	61,243,809	16,223,612	51,664,883 0	15,392,363
Attributable to owners of the parent	037	61,243,809	16,223,612	51,664,883	15,392,363
STATEMENT OF OTHER COMPREHENSIVE INCOME		0.,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,		21,221,222
Income or (-) loss for the current year	038	61,243,809	16,223,612	51,664,883	15,392,363
Other comprehensive income (40+ 52) Items that will not be reclassified to profit or loss (from 41 to 47 +	039	93,337	18,266	180,591	90,377
50 + 51)	040	93,337	18,266	180,591	90,377
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 Share of other recognised income and expense of entities	044	0	0	0	0
accounted for using the equity method Fair value changes of equity instruments measured at fair	045	0	0	0	0
value through other comprehensive income	046	167,658	22,276	252,236	110,880
Gains or (-) losses from hedge accounting of equity instruments at fair	047	0	0	0	0
Fair value changes of equity instruments measured at fair value Fair value changes of equity instruments measured at fair value	048 049	0	0	0	0
Fair value changes of financial liabilities measured at fair value	050	0	0	0	0
through profit or loss attributable to changes in their credit risk Income tax relating to items that will not be reclassified	051	-74,321	-4,010	-71,645	-20,503
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 Cash flow hedges [effective portion]	054 055	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)	061	61,337,146	16,241,878	51,845,474	15,482,740
Attributable to minority interest [non-controlling interest]	062	0	0	0	0
Attributable to owners of the parent	063	61,337,146	16,241,878	51,845,474	15,482,740

STATEMENT OF CASH FLOW for the period 01.01.2025 to 30.09.2025

in EUR

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
Fees and commissions received	002	0
(Interest paid and similar expenditures)	003	0
(Fees and commissions paid)	004	0
(Operating expenses paid)	005	0
Net gains/losses from financial instruments at fair value through
statement of profit or loss	006	0
Other receipts	007	0
(Other expenditures)	008	0
Operating activities - indirect method
Profit/(loss) before tax	009	74,356,906	62,994,046
Adjustments:		0
Impairment and provisions	010	11,970,935	953,916
Depreciation	011	10,079,955	10,142,856
Net unrealised (gains)/losses on financial assets and liabilities at fair
value through statement of profit or loss	012	-3,739,920	-4,675,525
(Profit)/loss from the sale of tangible assets	013	-79,350	-344,943
			-111,108,147
Other non-cash items	014	-134,358,525
Changes in assets and liabilities from operating activities
Deposits with the Croatian National Bank	015	0
Deposits with financial institutions and loans to financial institutions	016	0
Loans and advances to other clients	017	-6,603,534	-486,094,301
Securities and other financial instruments at fair value through other comprehensive income	018	-161,411	-242,028
Securities and other financial instruments held for trading	019	-1,703,573	1,561,250
Securities and other financial instruments at fair value through statement of profit or loss, not traded	020	0
Securities and other financial instruments mandatorily at fair value through statement of profit or loss	021	4,217	2,308
Securities and other financial instruments at amortised cost	022	-176,538,331	-820,731,206
Other assets from operating activities	023	2,663,487	-6,826,330
Deposits from financial institutions	024	130,749,846	73,799,247
Transaction accounts of other clients			42,609,514
	025	-185,596,842	-2,637,123
Savings deposits of other clients	026	-19,744,863
Time deposits of other clients	027	353,384,574	-224,570,650
Derivative financial liabilities and other liabilities held for trading	028	-3,102	-502,055
Other liabilities from operating activities	029	-28,898,796	-625,969
Interest received from operating activities [indirect method]	030	195,401,249	169,431,336
Dividends received from operating activities [indirect method]	031	5,476	5,850
Interest paid from operating activities [indirect method]	032	-61,209,476	-54,258,214
(Income tax paid)	033	-14,183,373	-15,730,302
Net cash flow from operating activities (from 1 to 33)	034	145,795,549	-1,366,846,470
Investing activities

Cash receipts from the sale / payments for the purchase of tangible and intangible assets	035	-14,363,482	-13,082,995
Cash receipts from the sale / payments for the purchase of investments	036	0
in branches, associates and joint ventures Cash receipts from the sale / payments for the purchase of securities
and other financial instruments held to maturity	037	0
Dividends received from investing activities	038	0
Other receipts/payments from investing activities	039	-11
Net cash flow from investing activities (from 35 to 39)	040	-14,363,493	-13,082,995

	041	-17,309,109	-30,927,102
Net increase/(decrease) in loans received from financing activities

Net increase/(decrease) in debt securities issued	042	0
Net increase/(decrease) in Tier 2 capital instruments	043	0
Financing activities Increase in share capital	044	0
(Dividends paid)	045	0	-48,388,538
Other receipts/(payments) from financing activities	046	0
	047	-17,309,109
Net cash flow from financing activities (from 41 to 46) Net increase/(decrease) of cash and cash equivalents (34 + 40 + 47)	048	114,122,947	-79,315,640 -1,459,245,105

Cash and cash equivalents at the beginning of period Effect of exchange rate fluctuations on cash and cash equivalents	049 050	3,103,800,978 6,279	3,798,726,463

STATEMENT OF CHANGES IN EQUITY

for the period from to 30/09/2025 in EUR

Tor the period in	0111	ιο	30/09/2025												IN EUR
						Attributable t	o owners of t	he parent					Non-controll	ing interest
Sources of equity changes	ADP code	Equity	Share premium	Equity instruments issued other than capital	Other equity	Accumulated other comprehensi ve income	Retained profit	Revaluation reserves	Other reserves	() Treasury shares	Profit or ( - ) loss attributable to owners of the parent	(-) Interim dividends	Accumulated other comprehensi ve income	Other items	Total
1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16
Opening balance [before restatement]	001	161,970,000	0	0	0	9,482,965	225,218,228	0	89,306,891	0	73,535,269	0	0	0	559,513,353
Effects of error corrections	002	0	0	0	0	0	1	0	0	0	0	0	0	0	1
Effects of changes in accounting policies	003	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Opening balance [current period] (1 + 2 + 3)	004	161,970,000	0	0	0	9,482,965	225,218,229	0	89,306,891	0	73,535,269	0	0	0	559,513,354
Ordinary shares issue	005	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preference shares issue	006	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issue of other equity instruments	007	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Exercise or expiration of other equity instruments issued	008	0	0	0	0	0	0	_	0	0	0	0	_	0	0
Conversion of receviables to equity instruments	009	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital reduction	010	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Dividends	011	0	0	0	0	0		Ů	0	0		v		0	0
Purchase of treasury shares	012	0	0	0	0	0			0	0	0				_
Sale or cancellation of treasury shares	013	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reclassification of financial instruments from equity to liability	014	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reclassification of financial instruments from liability to equity	015	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Transfers among components of equity	016	0	0	0	0	0	73,164,444	0	0	0	-73,164,444	0	0	0	0
Equity increase or ( - ) decrease resulting from business combinations	017	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Share based payments	018	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other increase or (-) decrease in equity	019	0	0	0	0	0	-485	0	370,825	0	-370,825	0	0	0	-485
Total comprehensive income for the current year	020	0	0	0	0	180,591	0	0	0	0	51,664,883	0	0	0	51,845,474
Closing balance [current period] (from 4 to 20)	021	161,970,000	0	0	0	9,663,556	298,382,188	0	89,677,716	0	51,664,883	0	0	0	611,358,343

Notes to financial statements
1) INTEREST INCOME AOP 001	Same period of the pre	evious year 01.01	Current period 01.0	in EUR 1. – 30.09.2025
	30.09.2 Cumulative	Quarter	Cumulative	Quarter
Debt securities Loans and advances Other assets	17,593,380 95,252,371 82,549,866	6,919,285 32,060,502 26,802,706	33,715,506 94,046,216 41,665,826	12,852,598 32,395,283 9,985,213
Other liabilities	5,632	1,818	3,788	1,151
Total	195,401,249	65,784,311	169,431,336	55,234,245
2) INTEREST EXPENSE AOP 002	Same period of the pre		Current period 01.0	in EUR 1. – 30.09.2025
Debt securities	30.09.2 Cumulative	Quarter	Cumulative	Quarter
Loans and advances Other assets	168	18	4,068	2,718
Deposits Other liabilities	60,532,378 676,930	22,036,422 469,111	54,249,325 15,195	17,605,692 3,138
Total	61,209,476	22,505,551	54,268,588	17,611,548
3) FEE AND COMMISSION INCOME AOP 005	Same period of the pre		Current period 01.0	in EUR 1. – 30.09.2025
Payment transactions	Cumulative 30,728,943	Quarter 10,823,543	Cumulative 32,621,823	Quarter 10,908,967
Account and package fees Card business	8,989,617 3,803,480	2,977,985 1,333,977	8,948,226 3,629,556	2,993,878 1,289,744
Mobile and Internet banking Other Total	1,817,183 12,647,073 57,986,296	568,849 5,748,773 21,453,127	1,837,646 11,561,133 58,598,385	626,009 4,607,710 20,426,308
4) FEE AND COMMISSION EXPENSE	37,500,250	21,403,127	30,080,303	in EUR
AOP 006	Same period of the pre 30.09.2	024	Current period 01.0	1 30.09.2025
Payment transactions	19,248,206 11,294,647	Quarter 6,657,367 4,374,880	19,803,022	Quarter 6,559,614
Other Total	30,542,853	11,032,247	10,144,096 29,947,118	3,797,037 10,356,651
5) GAIN/LOSSES ON TERMINATION OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES	Same period of the pre	evious year 01.01	Current period 01.0	in EUR
AOP 007	30.09.2 Cumulative	024 Quarter	Current period 01.0	1. – 30.09.2025 Quarter
Debt securities Loans and advances Deposits				=
Deposits Debt Securities issued Other financial liabilities	-			-
Total			- :
6) GAINS OR (-) LOSSES ON FINANCIAL ASSETS AND LIABILITIES HELD FOR TRADING AOP 908	Same period of the pre	evious year 01.01	Current period 01.0	in EUR 1. – 30.09.2025
	30.09.2 Cumulative	024 Quarter	Cumulative	Quarter
Equity instruments Debt securities FX transactions and derivatives	2,105,138 585,802 1,047,917	820,338 523,570 791,225	1,945,459 548,955 2,166,653	590,936 (757) 1,053,012
Total	3,738,857	2,135,133	4,661,067	1,643,190
7) GAINS OR LOSSES ON NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUA OP 909	JE THROUGH PROFIT OR L Same period of the pre	OSS evious year 01.01	Current period 01.0	in EUR
	30.09.2 Cumulative	024 Quarter	Cumulative	Quarter
Equity instruments Debt securities Loans and advances	1,063	- - 577	14,458
Loans and advances Total	1,063	577	14,458
8) OPERATING EXPENSES	Same period of the pre	evious year 01.01	0	in EUR
AOP 016 & AOP 018 & AOP 019 & AOP 020	30.09.2 Cumulative	024 Quarter	Current period 01.0 Cumulative	Quarter
Other operating expenses Administrative expenses	2,126,223 70,580,923 41,345,367	409,500 22,468,443 13,512,739	2,977,393 72,796,429 43,666,509	1,180,734 25,434,350 14.988.023
Employee expenses Other administrative expenses (Contributions in cash rehabilitation committees and Deposit Insurance Schemes)	29,235,556	8,955,705	29,129,920	10,446,327
Amortization Property, plant and equipment	10,079,955 6,381,471	2,872,380 1,972,212	10,142,856 6,138,896	3,465,405 2,092,034
Investment property Other intangible assets	3,698,484	900,168	4,003,960	1,373,370
Total 9) IMPAIRMENT LOSSES AND PROVISION EXPENSES	82,787,100	25,750,324	85,916,678	30,080,488 in EUR
AOP 021 & AOP 022 & AOP 023 & AOP 025	Same period of the pre 30.09.2	evious year 01.01	Current period 01.0
Modification gains or (-) losses, net AOP 021	Cumulative (362,467)	Quarter (218,872)	Cumulative (4,302,093)	Quarter (845,108)
Financial assets at fair value through other comprehensive income Financial assets at amortized cost	(362,467)	(218,872)	(4,302,093)	(845,108)
(Provisions or (-) reversal of provisions) AOP 022 Liabilities towards resolution committees and deposit insurance systems	2,284,840 - 2.698.530	2,317,386 - 2.046.599	5,320,847 4.344.786	1,018,901 563,087
(Liabilities and Guarantees) (Other Provisions) (Impairment or (-) reversal of impairment on financial assets that are not measured at fair	(413,690)	270,787	976,060	455,814
value through profit or loss) AOP 023 (Financial assets at fair value through other comprehensive income)	9,686,095	9,189,604	(4,366,931)	(75,696)
(Financial assets at amortized cost) (Impairment or (-) reversal of impairment off of investments in subsidiaries, joint ventures, and	9,686,095	9,189,604	(4,366,931)	(75,696)
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)	12,333,403	11,725,861	5,256,008	1,788,312
10) LOANS AND ADVANCES AOP 023	Stage 1	31/12/2024 Stage 2	Stage 3	Stage 1	30/09/2025 Stage 2	in EUR Stage 3
Central banks Mandatory reserve	213,399	- 1130 2		296,680		_ mgc 5
Allowance Other receivables	213,399	:	:	296,680	:	-
Allowance Government Gross loans	346,482,362 347,658,404	5,953,843 6,134,924	2,815,323 2.885.568	306,170,034 306,861,859	1,507,245 1,529,495	6,366,024 7,042,507
Allowance Credit institutuions	(1,176,042) 40,738	(181,082)	(70,245)	(691,825) 2,537,957	(22,250)	(676,483)
Gross loans Allowance	972 (1) 39.866	-	:	44,340 (19) 2.621.100	-	6,715 (6,715)
Deposits Allowance Other financial institutions	39,866 (100) 63,268,291	228	2,528	2,621,100 (127,464) 73,702,723	563,495	814
Gross loans Allowance	61,273,417 (249,286)	240 (12)	2,591 (63)	71,908,122 (323,012)	608,297 (44,801)	842 (28)
Deposits Allowance Non - financial institutions	2.282.918 (38.758) 694.049.086	174.118.276	26.140.616	2.152.709 (35.096) 917.386.317	159.827.729	21.510.298
Non - financial institutions Gross loans Allowance	694,049,086 701.452.939 (7,403,852)	174,118,276 185.847.426 (11,729,150)	26,140,616 73.647.622 (47,507,006)	917,386,317 929.248.223 (11,861,906)	159,827,729 167.914.862 (8,087,133)	21,510,298 64.123.659 (42,613,360)
Retail Gross loans	1,286,114,799 1,291,875,469	257,183,607 279,945,724	30,364,613 127,174,656	1,589,234,230 1.595.035.133	262,992,989 282.704.171 (19,711,182)	30,745,475 134,940,394
Allowance Total	(5,760,670) 2,390,168,677	(22,762,117) 437,255,954	(96,810,043) 59,323,080	(5,800,904) 2,889,327,941	(19,711,182) 424,891,458	(104,194,919) 58,622,612
11) NON-TRADING FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH PROFIT OR AOP 013	1LOSS 31/12/2024	in EUR 30/09/2025
Central banks Local state	31/12/2024
Credit institutions Other financial institutions	:	:
Non - financial institutions Retail Total	498,236 498,236	495,928 495,928
12) DEPOSITS		495,928 in EUR
AOP 044 Central banks	31/12/2024 73,884,161	30/09/2025
Local state Credit institutions Other financial institutions	2.072.670.102 224.740.806 443,768,692	1.870.224.990 377.822.796 415,828,162
Non - financial institutions Retail	930,895,482 3,435,715,982	987,337,832 3,390,062,095
Total	7,181,675,224	7,041,275,875

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