BALANCE SHEET as of in kunas Current Prior year year AOP code. Item description

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3 BALANCE SHEET as of Item description Annual Financial Statements for Credit Institutions TFI-KI ASSETS 1. CASH AND BALANCES WITH THE CNB ( ) 1.1.Cash 1.2.Balances with the CNB 2. DEPOSITS WITH BANKING INSTITUTIONS 3. TREASURY BILLS OF THE MINISTRY OF FINANCE AND OF THE CNB 4. SECURITIES AND OTHER FINANCIAL INSTRUMENTS HELD FOR TRADING AOP code in kunas Current Prior year year SECURITIES AND OTHER FINANCIAL INSTRUMENTS AVAILABLE FOR SALE 6. SECURITIES AND OTHER FINANCIAL INSTRUMENTS HELD TO MATURITY SECURITIES AND OTHER FINANCIAL INSTRUMENTS AT FVTPL THAT ARE NOT ACTIVELY TRADED 8. DERIVATIVE FINANCIAL ASSETS 9. LOANS TO FINANCIAL INSTITUTIONS 10. LOANS AND ADVANCES TO OTHER CUSTOMERS 11. INVESTMENTS IN SUBSIDIARIES, ASSOCIATES AND JOINT VENTURES 12. FORECLOSED ASSETS 13. TANGIBLE ASSETS (NET OF DEPRECIATION) 14. INTEREST, FEES AND OTHER ASSETS A) TOTAL ASSETS ( to 016) LIABILITIES 1. LOANS FROM FINANCIAL INSTITUTIONS ( ) 1.1. Short-term loans 1.2. Long-term loans 2. DEPOSITS (AOP 022 do 024) 2.1. Balances on giro and current accounts 2.2. Savings deposits 2.3. Term deposits 3. OTHER BORROWED FUNDS ( ) 3.1. Short-term borrowings 3.2. Long-term borrowings 4. DERIVATIVE FINANCIAL AND OTHER LIABILITIES HELD FOR TRADING 5. ISSUED DEBT SECURITIES ( ) 5.1. Short-term debt securities issued 5.2. Long-term debt securities issued 6. SUBORDINATED INSTRUMENTS ISSUED 7. HYBRID INSTRUMENTS ISSUED 8. INTEREST, FEES AND OTHER LIABILITIES B) TOTAL LIABILITIES ( ) EQUITY 1. SHARE CAPITAL 2. PROFIT/(LOSS) FOR THE YEAR 3. RETAINED PROFIT/(ACCUMULATED LOSSES) 4. LEGAL RESERVES 5. STATUTORY AND OTHER CAPITAL RESERVES 6. UNREALISED GAINS/(LOSSES) ON REVALUATION OF FINANCIAL ASSETS AVAILABLE FOR SALE HEDGING RESERVE C) TOTAL EQUITY (036 do 042) D) TOTAL LIABILITIES AND EQUITY ( ) BALANCE SHEET SUPPLEMENT (to be completed by banks preparing consolidated annual report) 1. TOTAL EQUITY 2. Attributable to the equity holders of the parent 3. Minority interest ( )

4 INCOME STATEMENT For the period from to AOP Item description code Annual Financial Statements for Credit Institutions TFI-KI 1 1. Interest income 2. Interest expense 3. Net interest income ( ) 4. Fee and commission income 5. Fee and commission expenses 6. Net fee and commission income ( ) Prior year Current year in kunas Cumulativ Quarter Cumulativ Quarter Gains/(losses) on investments in subsidiaries, associates and joint ventures Trading gains/(losses) 9. Gains/(losses) on embedded derivatives 10. Gains/(losses) on assets at FVTPL not actively traded 11. Gains / (losses) on available-for-sale (AFS) assets 12. Gains / (losses) on held-to-maturity (HTM) assets 13. Hedging gains/(losses) 14. Gains on investments in subsidiaries, associates and joint ventures 15. Gains on other equity investments 16. Foreign exchange gains/(losses) 17. Other income 18. Other expenses 19. General and administrative expenses, and depreciation 20. Net profit from operations before impairment and provisions for losses ( to ) 21. Impairment losses and provisions 22. PROFIT / LOSS BEFORE TAXATION ( ) 23. INCOME TAX 24. PROFIT / LOSS FOR THE YEAR ( ) 25. Earnings per share INCOME STATEMENT SUPPLEMENT (to be completed by banks preparing consolidated annual report) 1. PROFIT / LOSS FOR THE YEAR 2. Attributable to the equity holders of the parent 3. Minority interest ( )

5 STATEMENT OF CASH FLOWS - INDIRECT METHOD for the period from to in kunas Item description AOP code Prior year Current year Annual Financial Statements for Credit Institutions TFI-KI OPERATING ACTIVITIES 1. Operating cash flows before changes in operating assets (002 do 007) Profit/loss before taxation Impairment losses and provisions for losses Depreciation and amortisation Net unrealised gains/losses on financial assets and liabilities at FVTPL 1.5. Gains/losses on sale of tangible assets 1.6. Other gains/losses 2. Net increase/decrease in operating assets (009 do 016) 2.1. Balances with the CNB 2.2. Treasury bills of the Ministry of Finance and of the CNB 2.3. Deposits with other banking institutions and loans to financial institutions 2.4. Loans and advances to other customers Securities and other financial instruments held for trading 2.6. Securities and other financial instruments available for sale 2.7. Securities and other financial instruments at FVTPL not actively traded 2.8. Other operating assets 3. Net increase/decrease in operating liabilities (018 do 021) 3.1. Demand deposits 3.2. Savings and term deposits 3.3. Derivative financial and other liabilities held for trading 3.4. Other liabilities 4. Net cash flow from operating activities before income tax ( ) 5. Income taxes paid 6. Net cash inflow/outflow from operating activities ( ) INVESTING ACTIVITIES 7. Net cash from investing activities (026 do 030) 7.1. Proceeds from sale/payments for purchases of tangible and intangible assets 7.2. Proceeds from sale of/payments for investments in subsidiaries, associates and joint ventures 7.3. Proceeds from /(Payments to acquire) securities and other financial instruments held to maturity 7.4. Dividends received 7.5. Other receipts/(payments) from financing activities FINANCING ACTIVITIES 8. Net cash from financing activities (032 do 037) 8.1. Net increase/decrease in loans received 8.2. Net increase/decrease of issued debt securities 8.3. Net increase/decrease in subordinated and hybrid instruments 8.4. Proceeds from issue of share capital 8.5. Dividends paid 8.6. Other receipts/payments from financing activities 9. Net increase / decrease in cash and cash equivalents ( ) 10. Effect of changes in foreign exchange rates on cash and cash equivalents 11. Net increase / decrease in cash and cash equivalents ( ) 12. Cash and cash equivalents, beginning of the year 13. Cash and cash equivalents, end of the year ( )

6 At 1 January of the current year Item description Effects of changes in accounting policies and corrections of errors Restated balance at 1 January of the current year ( ) Sale of financial assets available for sale 1 for the period from STATEMENT OF CHANGES IN EQUITY AOP oznaka Share capital to Attributable to the equity holders of the parent Treasury shares Legal, statutory and other reserves Retained profit / (Accumulat ed losses) Profit /loss for the year Unrealised gains/losses on revaluation of financial assets available for sale Minority interest in kunas Total equity (capital and reserves) Change in the fair value of financial assets available for sale Tax on items recognised directly in/transferred from equity Other gains and losses recognised directly in equity Net gains/losses recognised directly in equity ( ) Profit /loss for the year Total recognised income and expenses for the year ( ) Increase/Decrease in share capital Purchase/Sale of treasury shares Other changes Transferred to reserves Dividends paid Profit allocations ( ) Balance at 31 December ( ) Banks preparing consolidated annual accounts are to present changes in the minority interest separately by appropriate equity components

7 Notes to the financial statements Annual Financial Statements for Credit Institutions TFI-KI Change in the ownership structure During the period observed no significant changes to the ownership structure of the Bank took place. Contingent items (a description of revenue uncertain of collection or of potential future expenses) The Bank classifies its receivables in accordance with the CNB decisions and internal policies and procedures, and takes all the necessary measures to recover its past due receivables. There are no indications of any events that could have a significant impact on the operations of the Bank. Mergers and acquisitions There were no mergers or acquisitions during the period observed. Product/service description Credits, guarantees, deposits, payment operations, ATMs, cards (Maestro, Mastercard), e-banking for retail customers (Internet banking and KBZ SMS), as well as other banking activities in accordance with the Law on Credit Institutions. Liquidity In the period observed the Bank had no liquidity problems and expects no such problems in the following period. Changes in accounting policies There were no changes to the Accounting policies during the period observed.

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