CREDIT REPORT. Issued for: Bisnode d.o.o. Published 10/29/2018. Part of the BISNODE group, Stockholm, Sweden

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1 CREDIT REPORT Issued for: Bisnode d.o.o. Part of the BISNODE group, Stockholm, Sweden

2 Credit report PROFILE Chapter 1 Company: Address: Activity: G RETAIL SALE IN NON- SPECIALISED STORES WITH FOOD, B... VAT No.: Company size: Big CREDIT APPRAISAL Chapter 3 SEMAPHORE CREDIT LIMIT: 235,716 CREDIT MARGIN: 1.20 % Yellow light events in last 365 days have no major influence on current company business OWNERS AND BRANCHES Chapter 2 Last year Owners: 2 Branches: 16 BLOCKS Last year Current Number of Blocks: Blocks: 0 / 15 bank accounts 0 / 365 days Last checked: RESULTS OF OPERATIONS Chapter 4 Categories Total assets 143,957, ,842, ,355,296 Equity and reserves 73,488, ,206, ,873,633 Total revenue 42,780,246 45,728,813 97,329,164 Total net other comprehensive income for the perio... 20, ,662,979 Average number of employees based on hours worked Debt to assets Current ratio Net return on assets (ROA) Return on equity (ROE) Data are shown in 1 BAM. 1

3 Profile Chapter 1 PROFILE BANK ACCOUNTS NLB Banka d.d., Sarajevo Long name: NLB Banka d.d., Sarajevo SBERBANK BH d.d. Sarajevo Legal form: DRUŠTVO SA OGRANIČENOM INTESA SANPAOLO BANKA d... ODGOVORNOŠĆU Activity: RAIFFEISEN BANK d.d. BiH G RETAIL SALE IN NONSPECIALISED STORES WITH FOOD, BEVERAGES OR TOBACCO RAIFFEISEN BANK d.d. BiH RAIFFEISEN BANK d.d. BiH PREDOMINATING Founded: 2003 Company size: Big Company Register: Općinski (registarski) sud u SPARKASSE BANK DD Sarajevu NOVA BANKA AD Region: Kanton Sarajevo NLB RAZVOJNA BANKA AD BA... KOMERCIJALNA BANKA A.D.... VAT Payer: NO RAIFFEISEN BANK d.d. BiH BOBAR BANKA A.D. MANAGEMENT Name (Director) (Procurator) Shown 2 of 2 BBI d.d. Sarajevo BOR BANKA d.d. Sarajevo ZIRAAT BANK BH d.d. NOVA BANKA AD SBERBANK BH d.d. Sarajevo NLB RAZVOJNA BANKA AD BA... CBS BANK D.D. SARAJEVO 2

4 Owners and branches Chapter 2 OWNERS Shown 2 of 2 BRANCHES/DIVISIONS Shown 16 of 16 3

5 Credit appraisal Chapter 3 CREDIT APPRAISAL HISTORY FINANCIAL APPRAISAL Liquidity Average The company operates below average and has increased probability of failure in the future. The company has some possibility of liquidity problems and at the sam time has below-average profitability. Name Value Trend Description Debt to asset ratio 0.39 Well Payment capability 0.00 Caution Cash flow to total costs 0.00 Caution Credit exposure from operations 0.13 Well Efficiency Careful Name Value Trend Description Return on assets 0.00 Caution Assets turnover on total income 0.22 Careful DYNAMIC RATING Indicators Subject's main activity has lower than average risk. Subject's location has lower than average risk. Subject is active for at least 7 years and has more than 4 bank accounts. There were no account blockades in the last 18 months. Subject's financial data is indicating good financial health. Name Value Indicator Activity 4 Location 5 Profile 1 Trials N/A Blocks 5 Payment index N/A Financial data 4 CREDIT LIMIT 235,716 Recommended upper credit limit for granting a deferred payment period of 3 months for this company 235,716 CREDIT MARGIN 1.20 % Recommended minimum credit margin for granting a deferred payment period of 3 months for this company 1.20 % 4

Financial data Chapter 4 BALANCE SHEET - CHART Cur. Assets 20.64 % Accr. Income 0.67 % Assets 2017 Liabilities 2017 Def. Payment 1.58 % LT Liab. 25.57 % Fix. Assets 78.69 % Equity 55.

6 Financial data Chapter 4 BALANCE SHEET - CHART Cur. Assets % Accr. Income 0.67 % Assets 2017 Liabilities 2017 Def. Payment 1.58 % LT Liab % Fix. Assets % Equity % Provisions 0.13 % Cur. Liab % PROFIT AND LOSS ACCOUNT - CHART Revenus 2017 Expenses 2017 Oth. Income % Oth. Income % Oper. Income % Oth. Expen % Fin. Expen % Oth. Expen % Fin. Income 1.03 % Oper. Expen % 5

7 Financial data Chapter 4 BALANCE SHEET Categories Growth Abs. (Rel.) Fixed assets and long-term pla... Intangible assets Tangible fixed assets Investment properties Biological assets Other tangible fixed assets Non-Current financial assets Long-term receivables Long-term accruals Deferred tax assets Short-term assets Inventories Cash, short-term receivables a... Deferred tax assets Loss above capital Total assets Assets Off-balance sheet balance Equity and reserves Core capital Called-up capital Share premium Reserves Revaluation reserves Unrealized gain Unrealized loss Undistributed profit Loss up to the amount of capital Share purchase Long-term provisions Long-term liabilities Long-term loans Deferred tax liabilities Short-term liabilities Short-term financial liabilities Liabilities Liabilities from specific oper... Liabilities for wages, benefit... Other liabilities Liabilities for VAT Other taxes and other duties Liabilities for income tax Accruals Deferred tax liability Total equity and liabilities Business liabilities * Data are shown in 1 BAM. 107,083, ,225, ,400,988 37,175,054 (23%) 167, , ,464 10,588 (10%) 104,655, ,880, ,650,871 28,770,712 (18%) 7,628 7,628 7,628 0 (0%) 986,126 1,106,516 9,664,345 8,557,829 (773%) 1,265,934 1,122, , ,075 (-15%) 0 348, ,555 55,120 (16%) 36,874,369 40,268,252 52,550,753 12,282,501 (31%) 10,917, ,205 21,099,878 20,320,673 (2,608%) 25,957,229 39,489,047 31,450,875-8,038,172 (-20%) 143,957, ,842, ,355,296 49,512,675 (24%) 143,957, ,842, ,355,296 49,512,675 (24%) 73,488, ,206, ,873,633 15,667,180 (13%) 86,101, ,005, ,005,063 0 (0%) 4,609,861 4,601,884 4,605,592 3,708 (0%) 20, ,867 15,964,846 15,662,979 (5,189%) 17,242,388 37,702,361 37,701, (0%) 141,678 39, , ,147 (713%) 59,545,574 67,158,744 64,792,468-2,366,276 (-4%) 57,357,750 63,016,116 59,800,090-3,216,026 (-5%) 511, , ,824 0 (0%) 9,996,100 11,048,969 44,363,479 33,314,510 (302%) 6,272,585 8,885,878 7,867,546-1,018,332 (-11%) 2,783,679 1,680,806 34,476,755 32,795,949 (1,951%) 64,162 40,000 39, (0%) 222,943 64,142 1,399,259 1,335,117 (2,082%) 7,113 17, , ,085 (773%) 295, , , ,303 65,764 (18%) ,474 1,389,186 4,006,300 2,617,114 (188%) 143,957, ,842, ,355,296 49,512,675 (24%) 143,957, ,842, ,355,296 49,512,675 (24%) 6

8 Financial data Chapter 4 PROFIT AND LOSS ACCOUNT Categories Growth Abs. (Rel.) Operating income Sales of goods Income from sale of Income from the consumption of... The increase in inventories of... Decrease in inventories of eff... Increase in value of investmen... Reduction in value of investme... Other operating income Operating expenses Cost of goods sold Material cost Salaries and other employee be... Cost of production services Amortization Cost of provision Intangible costs Income tax expense Contributions Profit from operating activities Loss from operations Financial income Finance expenses Interest expense Profit ordinary activities Loss of regular activities Other income and gains, except... Other expenses and losses, unl... Total revenue Total expenditures Net profit for the period Net loss for the period * Data are shown in 1 BAM. 41,839,617 44,349,703 70,604,162 26,254,459 (59%) 23,037,785 19,662,089 49,069,143 29,407,054 (150%) 420, , , ,664 (-47%) 18,380,836 24,145,974 21,249,043-2,896,931 (-12%) 39,659,238 42,963,967 73,699,604 30,735,637 (72%) 15,459,352 17,810,784 39,654,067 21,843,283 (123%) 1,289,033 1,138,235 2,408,702 1,270,467 (112%) 2,935,401 1,594,220 5,478,095 3,883,875 (244%) 12,806,926 13,971,890 15,455,058 1,483,168 (11%) 3,795,097 5,344,928 5,838, ,297 (9%) , ,140 3,373,429 3,103,910 4,495,317 1,391,407 (45%) 2,180,379 1,385, ,385,736 (-100%) 0 0 3,095,442 3,095, ,262 1,262,830 1,258,837-3,993 (0%) 2,146,608 2,449,426 2,419,756-29,670 (-1%) 2,053,805 2,389,083 2,362,181-26,902 (-1%) 877, , ,140 (-100%) 0 0 4,256,361 4,256,361 97, ,280 25,463,624 25,347,344 (21,799%) 903,682 25,256,814 2,756,209-22,500,605 (-89%) 42,780,246 45,728,813 97,329,164 51,600,351 (113%) 42,760,130 70,689,484 81,721,305 11,031,821 (16%) 20, ,662,979 15,662, ,960, ,960,671 (-100%) 7

9 Financial data Chapter 4 INDICATORS Categories Growth Abs. (Rel.) Average number of employees ba... THE ASSET STRUCTURE RATIOS Tangible and intangible assets... Current assets to total assets Financial investments to total... FINANCIAL LEVERAGE RATIOS Shareholder's funds to as... Debt to assets Shareholder's funds to lo... Financial leverage LIQUIDITY RATIOS Current ratio Quick ratio Cash flow to total costs Credit exposure from operations ASSET TURNOVER RATIOS Fixed assets turnover ratio Total assets turnover ratio Current assets turnover Inventory turnover Debtors turnover Asset turnover on total income ASSET TURNOVER RATIOS (DAYS) Inventory conversion period Days sales outstanding Payables deferral period RATIOS OF EFFICIENCY, PROFITAB... Total revenues to total expenses Operating revenues to operatin... Net profit margin Asset utilization ratio Net return on assets (ROA) Return on equity (ROE) Operating margin Pre-tax profit margin Net profit margin on sales Value added per employee Operating return on assets CASH-FLOW Operating cash flow Net operating working capital * Data are shown in 1 BAM (132%) (-5%) (5%) (-50%) (-10%) (15%) (-8%) (27%) (-68%) (-80%) (-31%) (75%) (73%) (62%) (-92%) (86%) (65%) (1,172%) (-46%) (-39%) (83%) (-7%) (73%) (-233%) , , , , (-56%) (-200%) 3,815, ,344, ,501, ,156, (302%) 26,878, ,219, ,187, ,032, (-72%) 8

CREDIT REPORT. Issued for: Published 3/12/2015

CREDIT REPORT. Issued for: Published 3/12/2015 CREDIT REPORT Issued for: Credit report PROFILE Chapter 1 Company: Address: Activity: B 05.20 MINING OF LIGNITE VAT No.: Company size: Big OWNERS AND BRANCHES Chapter 2 Last year Owners: no data Branches: