Statistical Appendix

ANNUAL REPORT 2006

Statistical Appendix

Statistical Appendix Classification and Presentation of Data on Claims and Liabilities Data on financial institutions claims and liabilities are classified according to institutional sectors and financial instruments. Institutional sectors are: financial institutions, central government and funds, other domestic sectors and foreign sector. The financial institutions sector includes the following sub-sectors: monetary authorities (the central bank), banks, other banking institutions and non-banking financial institutions. The central bank is the Croatian National Bank (CNB). Banks are institutions to which the Croatian National Bank has issued a license to perform banking business services in accordance with the Banking Act, including savings banks during a transition period. Data on banks do not include claims and liabilities of banks undergoing bankruptcy proceedings, nor former branches of banks headquartered outside the Republic of Croatia. Other banking institutions comprise housing savings banks, savings and loan cooperatives and investment funds. Non-banking financial institutions are financial institutions not classified as banks or other banking institutions (for example insurance companies, pension funds). The central government and funds consists of two sub-sectors, the Republic of Croatia and central government funds. Until December 2003, the sub-sector the Republic of Croatia included government authorities, including the Croatian Roads and the Croatian Motorways, the State Agency for Deposit Insurance and Bank Rehabilitation and the sub-sector central government funds included the Croatian Institute for Health Insurance, the Croatian Pension Insurance Administration, the Croatian Employment Service, the Croatian Privatisation Fund, the Croatian Waters and the Croatian Bank for Reconstruction and Development. Since January 2004, the Croatian Roads, the Croatian Motorways, and the State Agency for Deposit Insurance and Bank Rehabilitation have been reclassified, from the sub-sector the Republic of Croatia to the sub-sector central government funds. Other domestic sectors include local government authorities, public and other enterprises and households, including craftsmen and nonprofit institutions providing services to households. The sub-sector other enterprises also comprises banks undergoing bankruptcy proceedings. In some tables other domestic sectors are divided into the following sub-sectors: local government (which comprises units of local and regional self-government), public and other enterprises, and households (including craftsmen and non-profit institutions). Foreign sector includes foreign legal and natural persons. All data on claims and liabilities refer to balances at the end of the reporting period. Foreign exchange items are reported in their kuna equivalent at the CNB s midpoint exchange rate at the end of the reporting period. ANNUAL REPORT 2006 183

Monetary and Credit Aggregates Table A1: Monetary and Credit Aggregates end of period, million kuna and % Year Month Reserve money Money M1 Money M1a Broadest money M4 Net domestic assets Domestic credit Reserve money Money M1 Monthly rates of growth Money M1a Broadest money M4 Net domestic assets 1997 December 10,346.1 13,731.4 13,848.8 50,742.0 33,829.0 48,863.4 7.86 3.93 3.85 2.16 4.98 4.96 1998 December 9,954.2 13,531.4 13,615.2 57,340.3 44,626.8 59,792.0 7.24 6.92 6.59 2.51 3.73 0.25 1999 December a 10,310.0 13,858.9 13,965.7 56,659.3 40,003.8 55,875.8 4.53 5.46 5.48 2.28 0.35 4.58 2000 December 11,717.3 18,030.3 18,256.4 73,061.1 44,043.9 60,883.8 7.32 10.04 9.89 3.66 10.46 2.66 2001 December 17,803.2 23,703.5 23,936.5 106,071.4 57,410.0 74,964.5 8.01 13.00 11.96 11.65 3.40 1.16 2002 December 23,027.9 30,869.8 31,876.7 116,141.8 83,324.4 97,463.7 10.72 6.11 6.79 1.65 7.92 2.15 2003 December 30,586.2 33,888.7 34,630.9 128,893.1 96,121.7 111,661.4 8.90 1.78 1.93 0.14 3.11 0.66 2004 December 33,924.4 34,562.1 35,186.5 139,947.7 108,205.1 127,308.6 8.69 2.86 2.68 0.23 2.15 1.99 2005 December 40,390.8 38,817.1 39,855.4 154,647.0 131,343.2 149,168.3 9.38 4.34 3.87 0.02 1.84 1.94 2006 January 36,629.2 37,216.7 38,157.5 152,000.6 131,715.3 150,544.7 9.31 4.12 4.26 1.71 0.28 0.92 February 36,484.1 37,169.6 38,104.0 151,719.7 134,057.4 152,635.8 0.40 0.13 0.14 0.18 1.78 1.39 March 37,767.9 38,186.4 39,118.2 153,573.5 140,596.4 156,579.7 3.52 2.74 2.66 1.22 4.88 2.58 April 38,079.2 39,222.7 40,055.6 155,073.1 143,428.3 159,083.2 0.82 2.71 2.40 0.98 2.01 1.60 May 38,796.4 40,771.5 41,601.8 158,103.8 146,241.6 161,921.6 1.88 3.95 3.86 1.95 1.96 1.78 June 41,644.9 42,226.5 42,853.9 163,106.8 149,113.2 164,644.0 7.34 3.57 3.01 3.16 1.96 1.68 July 42,693.7 45,004.2 45,714.7 170,326.0 149,108.3 166,667.1 2.52 6.58 6.68 4.43 0.00 1.23 August 42,209.3 44,993.8 45,802.5 174,210.4 148,688.1 168,830.8 1.13 0.02 0.19 2.28 0.28 1.30 September 42,368.1 44,047.0 44,822.7 176,751.9 151,194.8 172,299.2 0.38 2.10 2.14 1.46 1.69 2.05 October 43,414.6 45,502.0 46,358.9 180,585.5 150,555.8 174,595.6 2.47 3.30 3.43 2.17 0.42 1.33 November 44,907.1 46,322.2 47,219.7 179,636.1 149,780.9 178,048.7 3.44 1.80 1.86 0.53 0.51 1.98 December 46,331.2 48,521.0 49,141.7 182,458.6 154,844.1 183,379.5 3.17 4.75 4.07 1.57 3.38 2.99 a Domestic credit decreased by a one-off HRK 2,759.4m. Domestic credit Table A1: Monetary and Credit Aggregates The table shows data on some basic monetary and credit aggregates, including their monthly growth rates. In September 1999, all the monetary aggregates were revised. In previous publications of the CNB, data on claims and obligations of savings banks were not included in the compilation of the monetary aggregates. Reserve money is taken over in its entirety from the Monetary Authorities Accounts (Table C1). Money (M1) is defined in the same way as the corresponding item in the Monetary Survey (Table B1). It comprises currency outside banks, deposits with the CNB by other banking institutions and other domestic sectors as well as banks demand deposits. Money (M1a) comprises currency outside banks and banks demand deposits, increased by the demand deposits of the central government and funds with banks. Broadest money (M4) comprises Money (M1), savings and time deposits, foreign currency deposits as well as bonds and money market instruments (all components are taken over from the Monetary Survey, Table B1). Net domestic assets are defined as a difference between total liquid assets and foreign assets (net). Domestic credit comprises banks claims on other domestic sectors, other banking institutions and non-banking financial institutions. In May 1999, bankruptcy proceedings have been initiated against several banks so their assets and liabilities are excluded from monetary statistics. In April 1999, those banks share in monetary aggregate M1 amounted to 259.3 million kuna and in monetary aggregate M4 amounted to 4,035.8 million kuna. Data for June 1999 are comparable with data for July 1999 if Domestic credit is increased by 3,513.5 million kuna. 184

Monetary Institutions Table B1: Monetary Survey end of period. million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. ASSETS 1. Foreign assets (net) 23,303.8 20,285.3 17,662.3 12,977.1 11,644.9 11,862.2 13,993.7 21,217.7 25,522.2 25,557.1 30,029.7 29,855.3 27,614.5 2. Domestic credit 168,427.7 169,161.7 171,790.0 178,596.6 180,793.7 183,671.9 188,399.2 188,521.9 189,902.8 193,614.0 193,687.2 197,259.8 200,328.9 2.1. Claims on central government and funds (net) 19,259.4 18,617.0 19,154.2 22,016.9 21,710.5 21,750.3 23,755.2 21,854.8 21,072.0 21,314.8 19,091.6 19,211.1 16,949.4 2.2. Claims on other domestic sectors 147,414.3 148,678.8 150,492.2 154,491.5 157,109.0 160,164.6 162,862.1 164,778.9 167,235.3 170,400.3 172,776.2 176,069.0 181,031.9 2.3. Claims on other banking institutions 592.2 587.9 574.8 493.7 519.5 461.0 442.3 529.2 437.9 434.7 676.8 820.6 1,029.5 2.4. Claims on non-banking financial institutions 1,161.8 1,278.0 1,568.7 1,594.5 1,454.7 1,296.0 1,339.5 1,359.0 1,157.6 1,464.2 1,142.6 1,159.0 1,318.1 Total (1+2) 191,731.5 189,447.0 189,452.2 191,573.8 192,438.5 195,534.1 202,392.9 209,739.6 215,425.1 219,171.1 223,716.9 227,115.1 227,943.3 LIABILITIES 1. Money 38,817.1 37,216.7 37,169.6 38,186.4 39,222.7 40,771.5 42,226.5 45,004.2 44,993.8 44,047.0 45,502.0 46,322.2 48,521.0 2. Savings and time deposits 27,992.1 27,809.2 29,818.4 31,554.5 32,425.8 34,987.2 38,443.0 41,421.2 44,092.2 46,155.8 46,819.6 45,557.3 44,836.8 3. Foreign currency deposits 86,760.8 85,800.5 83,282.9 82,426.5 81,700.6 80,779.1 81,019.5 82,112.2 83,623.0 85,173.0 86,894.2 86,627.5 88,256.7 4. Bonds and money market instruments 1,077.0 1,174.2 1,448.8 1,406.1 1,724.0 1,566.1 1,417.9 1,788.4 1,501.4 1,376.0 1,369.7 1,129.2 844.1 5. Restricted and blocked deposits 2,092.3 2,192.1 2,392.5 2,379.2 2,283.9 2,032.8 2,292.7 2,326.5 2,477.5 2,603.8 2,608.7 4,847.2 2,504.5 6. Other items (net) 34,992.2 35,254.3 35,340.1 35,621.0 35,081.5 35,397.6 36,993.3 37,087.2 38,737.2 39,815.4 40,522.7 42,631.7 42,980.2 Total (1+2+3+4+5+6) 191,731.5 189,447.0 189,452.2 191,573.8 192,438.5 195,534.1 202,392.9 209,739.6 215,425.1 219,171.1 223,716.9 227,115.1 227,943.3 Table B1: Monetary Survey The monetary survey shows consolidated data from the Monetary Authorities Accounts (Table C1) and Banks Accounts (Table D1). Foreign assets (net) are the difference between total foreign assets and total foreign liabilities of the CNB and banks. Domestic credit is the sum of corresponding items from Monetary Authorities Accounts and Banks Accounts. Claims on central government and funds are reported on a net basis, i.e. decreased by central government and funds deposits with the CNB and banks. Money is the sum of currency outside banks, deposits by other banking institutions with the CNB, deposits by other domestic sectors with the CNB and banks demand deposits (item Demand deposits in Banks Accounts, Table D1). Items Savings and time deposits, Foreign currency deposits as well as Bonds and money market instruments are entirely taken over from the Banks Accounts, while item Restricted and blocked deposits represents the sum of corresponding items from the Monetary Authorities Accounts (excluding banks blocked deposits with the CNB) and Banks Accounts. Other items (net) are unclassified liabilities decreased by unclassified assets. ANNUAL REPORT 2006 185

Monetary Institutions Table B2: Number of Reporting Banks and Savings Banks and their Classification by Total Asets Year Month Total number of reporting banks Less than 100 million kuna Reporting banks classified according to their total assets 100 million kuna to less than 500 million kuna 500 million kuna to less than 1 billion kuna 1 billion kuna to less than 2 billion kuna 2 billion kuna to less than 10 billion kuna 10 billion kuna and over Total number of reporting savings banks Savings banks classified according to their total assets 10 million Less than kuna to 100 million 10 million less than kuna and kuna 100 million over kuna 1 2 3 4 5 6 7 8 9 10 11 12 13 1997 December 60 4 28 9 8 2 33 12 18 3 1998 December 60 3 26 8 11 10 2 33 4 25 4 1999 December 53 4 23 7 7 10 2 30 5 21 4 2000 December 45 3 15 9 6 10 2 29 5 19 5 2001 December 44 3 13 7 7 10 4 21 4 12 5 2002 December 46 4 13 7 9 8 5 10 3 5 2 2003 December 42 2 13 8 5 8 6 7 3 2 2 2004 December 39 1 12 9 6 5 6 6 3 3 2005 December 36 1 10 6 8 5 6 3 2 1 2006 January 36 1 10 8 6 5 6 3 2 1 February 36 2 9 7 7 5 6 3 2 1 March 36 2 9 8 6 5 6 3 2 1 April 36 2 9 7 7 5 6 3 2 1 May 36 2 9 8 6 5 6 3 2 1 June 36 2 8 7 8 4 7 3 2 1 July 35 2 7 5 9 5 7 3 2 1 August 35 2 7 6 8 4 8 3 2 1 September 35 2 7 7 7 4 8 3 2 1 October 35 2 7 4 10 4 8 3 2 1 November 35 2 7 5 9 4 8 3 2 1 December 35 2 6 5 10 4 8 3 2 1 Table B2: Number of Reporting Banks and Savings Banks and their Classification by Total Assets The table shows the total number of banks and savings banks during the transition period which report monthly to the CNB. Their operations are shown in the Banks Accounts. Monetary statistics includes reporting institutions under liquidation and, until February 2005, institutions whose operating licences have been revoked, but which have not initiated liquidation proceedings. Special reporting requirements applied to savings banks until June 1995. Savings banks were not legally obliged to report on their operations, so that data up to June 1995 relate only to those savings banks that reported voluntarily to the CNB. From July 1995 on, the data cover all registered savings banks. Savings banks that were granted a bank operating license are required to adjust their operations to the provisions of the Banking Act by 31 December 2006. The table also shows the classification of reporting banks and savings banks according to their total assets. 186

Monetary Authorities Table C1: Monetary Authorities Accounts end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. ASSETS 1. Foreign assets 54,862.5 56,135.8 57,978.2 59,236.6 59,824.7 61,761.2 63,451.8 65,136.0 63,433.0 60,049.2 62,759.8 65,882.5 64,088.2 1.1. Gold 1.2. Holdings of SDRs 6.3 8.8 5.9 5.2 8.7 5.4 5.5 8.8 4.8 4.8 9.1 5.3 5.3 1.3. Reserve position in the IMF 1.4 1.4 1.4 1.4 1.4 1.3 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.4. Currency and demand deposits with foreign banks 7.7 8.2 9.6 8.3 8.4 8.8 9.2 9.3 8.1 7.8 8.5 7.6 7.2 1.5. Time deposits with foreign banks 28,274.1 29,480.1 30,903.6 32,260.2 33,440.1 34,264.7 35,296.1 35,954.3 34,061.7 30,723.0 31,738.6 33,270.4 33,243.0 1.6. Securities in f/c 26,573.0 26,637.3 27,057.6 26,961.5 26,366.1 27,480.9 28,139.6 29,162.2 29,357.1 29,312.1 31,002.2 32,597.8 30,831.2 1.7. Non-convertible foreign exchange 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Claims on central government and funds 1.4 0.2 0.6 0.0 0.9 2.1. Claims in kuna 1.4 0.2 0.6 0.0 0.9 2.2. Claims in f/c 3. Claims on other domestic sectors 73.4 73.4 73.4 73.4 73.4 73.4 73.4 73.4 73.4 73.4 73.4 73.4 64.0 4. Claims on banks 4,215.6 725.2 14.4 564.1 1,003.7 261.9 2,155.4 1,881.3 1,736.4 2,511.3 516.3 14.6 3,911.5 4.1. Credits to banks 4,215.6 725.2 14.4 564.1 1,003.7 261.9 2,155.4 1,881.3 1,736.4 2,511.3 516.3 14.6 3,911.5 Lombard credits Short-term liquidity credits Other credits 14.5 14.5 14.4 14.5 14.4 14.4 14.3 14.3 14.5 14.6 14.6 14.6 14.5 Reverse repo transactions 4,201.1 710.6 549.6 989.4 247.5 2,141.1 1,866.9 1,722.0 2,496.7 501.7 3,897.0 4.2. Overdue claims 5. Claims on other banking institutions Total (1+2+3+4+5) 59,153.0 56,934.6 58,066.6 59,874.1 60,901.9 62,096.4 65,680.6 67,090.7 65,242.8 62,633.9 63,349.5 65,970.4 68,064.6 LIABILITIES 1. Reserve money 40,390.8 36,629.2 36,484.1 37,767.9 38,079.2 38,796.4 41,644.9 42,693.7 42,209.3 42,368.1 43,414.6 44,907.1 46,331.2 1.1. Currency outside banks 12,163.8 11,688.1 11,794.2 12,091.2 12,725.9 12,995.6 14,003.2 14,909.9 14,618.1 14,330.6 13,869.0 13,547.5 14,609.3 1.2. Banks' cash in vaults 2,210.7 1,835.4 1,971.3 1,942.0 2,059.2 1,874.9 2,685.5 2,448.0 2,240.0 2,244.4 2,107.4 2,138.9 2,698.0 1.3. Banks' deposits 26,016.3 23,105.7 22,718.6 23,734.7 23,294.1 23,925.8 24,956.2 25,335.8 25,351.2 25,793.1 27,438.2 29,220.7 29,023.9 Settlement accounts 8,411.1 5,983.4 5,153.3 5,740.0 5,357.8 5,591.9 6,223.4 6,291.8 6,039.5 6,315.2 6,767.3 7,807.0 8,535.7 Statutory reserves 17,605.2 17,081.3 17,103.3 17,354.7 17,854.4 18,222.9 18,595.8 18,874.0 19,274.1 19,457.9 19,783.9 20,147.7 20,478.2 CNB bills on obligatory basis Overnight deposits 41.0 462.0 640.0 82.0 111.0 137.0 170.0 37.7 20.0 887.0 1,266.0 10.0 1.4. Deposits of other banking institutions 1.5. Deposits of other domestic sectors 2. Restricted and blocked deposits 13,551.8 14,697.8 16,127.7 17,366.6 18,346.5 19,131.5 19,831.8 20,136.8 17,996.5 14,890.2 14,504.3 15,544.2 16,633.5 2.1. Statutory reserve in f/c 13,495.9 14,634.9 16,052.6 17,306.0 18,326.7 19,108.0 19,808.7 20,107.6 17,951.5 14,833.3 14,445.8 15,485.9 16,576.7 2.2. Restricted deposits 55.9 62.9 75.1 60.6 19.8 23.4 23.1 29.1 45.0 56.9 58.5 58.3 56.9 2.3. Escrow deposits 3. Foreign liabilities 18.9 17.2 16.1 14.8 13.1 19.8 24.6 16.8 15.6 14.7 13.4 18.9 18.9 3.1. Use of IMF credit 3.2. Liabilities to international organisations 18.9 17.2 16.1 14.7 13.1 19.8 18.0 16.6 15.6 14.7 13.4 18.9 18.9 3.3. Liabilities to foreign banks 0.0 6.5 0.2 4. Central government and funds' deposits 332.2 926.7 852.4 162.7 538.7 444.2 249.8 221.4 560.7 245.8 302.3 758.9 188.0 4.1. Demand deposits 319.0 605.1 847.4 159.1 535.2 439.9 245.3 216.9 559.0 244.0 269.3 723.0 174.5 Central government demand deposits 246.3 579.3 743.8 117.2 475.7 323.0 183.6 170.1 457.6 218.5 146.6 693.7 138.6 Central government funds' demand deposits 72.7 25.8 103.5 41.8 59.5 116.9 61.7 46.9 101.4 25.5 122.7 29.3 35.9 4.2. Central government f/c deposits 13.2 321.6 5.0 3.6 3.5 4.3 4.5 4.5 1.8 1.8 33.0 36.0 13.5 4.3. CNB bills 5. CNB bills 5.1. CNB bills in kuna 5.2. CNB bills in f/c 6. Capital accounts 5,357.4 5,158.9 5,084.9 5,060.0 4,436.2 4,216.0 4,447.6 4,539.9 4,977.3 5,629.3 5,631.7 5,258.0 5,408.8 7. Other items (net) 498.2 495.3 498.7 497.8 511.9 511.4 518.1 517.8 516.6 514.2 516.8 516.7 515.8 Total (1+2+3+4+5+6+7) 59,153.0 56,934.6 58,066.6 59,874.1 60,901.9 62,096.4 65,680.6 67,090.7 65,242.8 62,633.9 63,349.5 65,970.4 68,064.6 ANNUAL REPORT 2006 187

Monetary Authorities Table C1: Monetary Authorities Accounts The table reports data on claims and liabilities by monetary authorities. Foreign assets include the following forms of foreign currency and kuna claims on foreign legal and natural persons: monetary gold, hold ings of special drawing rights, foreign cash in vault, reserve position in the International Monetary Fund, current account balances with foreign banks, time deposits with foreign banks and accrued interest, foreign currency security investments and other claims. Claims on central government and funds are loans and overdue claims on the budget of the Republic of Croatia. In accordance with the Croatian National Bank Act that entered into force in April 2001, the Croatian National Bank may not extend credit to the Republic of Croatia. Hence, this item comprises only overdue claims on the budget of the Republic of Croatia based on the payment system operations and the liabilities to the IMF and foreign banks. Claims on other domestic sectors are loans and overdue claims on other domestic sectors, including banks in bankruptcy proceedings. Claims on banks are credits to banks and overdue claims on banks. Credits to banks comprise Lombard credits, short-term liquidity credits, other credits and reverse repo transactions. Short-term liquidity credits, which have been granted since the beginning of 1999, also serve to bridge liquidity problems. Other credits include intervention credits, special credits for bridging liquidity problems granted in the past (initial credits, prerehabilitation credits), due but unpaid credits and banks deposits with the CNB. From April 2005 on, reverse repo transactions are conducted on a weekly basis. Overdue claims comprise banks failure to correctly and promptly allocate and maintain statutory reserve requirements. Since May 1999, Claims on other domestic sectors include overdue claims on banks against which bankruptcy proceedings have been initiated. Reserve money consists of currency outside banks, cash in banks vaults, banks deposits with the CNB, other banking institutions deposits and other domestic sectors deposits with the CNB. Banks deposits are: settlement account balances, statutory reserves deposited on a special account with the CNB (including, from March 2006, special reserve requirement on liabilities arising from issued securities), CNB bills on an obligatory basis and overnight deposits. Deposits by other domestic sectors are other domestic sectors giro account balances which, on the basis of legal acts are deposited with the Croatian National Bank. Restricted and blocked deposits include required foreign exchange reserves and accrued interest, restricted deposits and blocked foreign exchange deposits. Banks are required to set aside the reserve requirements against certain foreign exchange sources of funds and the marginal reserve requirements (from August 2004 on) in special accounts at the Croatian National Bank. Restricted deposits are kuna funds set aside on the basis of a court order or legal regulation. Blocked foreign exchange deposits are funds that were set aside in special accounts at the Croatian National Bank for repaying unpaid amounts due to foreign creditors. Foreign liabilities include use of IMF credits, liabilities to international financial institutions and foreign banks and accrued interest. Central government and funds deposits are demand deposits and foreign currency deposits of the Republic of Croatia and central government funds with the CNB, and CNB bills purchased by central government institutions. CNB bills are kuna and f/c CNB bills on a voluntary basis, excluding CNB bills voluntarily purchased by central government institutions. Capital accounts include reserves, provisions and the income and cost accounts. Other items (net) are unclassified liabilities decreased by unclassified assets of the Monetary Authorities Accounts. 188

Banks Table D1: Banks Accounts end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. ASSETS 1. Reserves with the CNB 41,775.2 39,627.7 40,786.9 43,030.5 43,686.0 44,909.8 47,461.6 47,920.0 45,548.6 42,878.4 43,993.2 46,844.6 48,384.7 1.1. In kuna 28,283.1 24,997.3 24,738.9 25,730.7 25,363.5 25,807.2 27,656.7 27,817.7 27,603.8 28,049.7 29,553.5 31,365.8 31,814.1 1.2. In f/c 13,492.1 14,630.4 16,048.0 17,299.8 18,322.5 19,102.6 19,804.8 20,102.3 17,944.9 14,828.7 14,439.7 15,478.8 16,570.6 2. Foreign assets 35,572.5 33,197.6 31,505.8 27,119.1 27,608.4 26,535.3 26,150.5 26,518.4 28,695.2 32,381.1 36,482.3 35,850.0 39,621.2 3. Claims on central government and funds 28,877.2 28,401.1 28,851.8 31,084.2 31,048.8 31,116.1 33,198.1 31,154.5 31,173.4 31,326.9 29,361.3 30,266.5 27,936.8 4. Claims on other domestic sectors 147,340.9 148,605.4 150,418.8 154,418.1 157,035.6 160,091.2 162,788.7 164,705.5 167,161.9 170,326.9 172,702.8 175,995.6 180,967.8 4.1. Claims on local government 1,767.2 1,645.9 1,630.1 1,608.7 1,607.1 1,657.3 1,680.0 1,696.7 1,721.0 1,669.1 1,700.3 1,665.6 1,892.0 4.2. Claims on enterprises 67,017.9 67,668.2 69,141.6 71,420.1 72,631.8 73,438.6 74,707.0 75,057.0 75,882.9 76,796.7 77,626.3 79,637.3 83,386.5 4.3. Claims on households 78,555.7 79,291.4 79,647.1 81,389.3 82,796.6 84,995.4 86,401.7 87,951.8 89,558.0 91,861.1 93,376.1 94,692.7 95,689.3 5. Claims on other banking institutions 592.2 587.9 574.8 493.7 519.5 461.0 442.3 529.2 437.9 434.7 676.8 820.6 1,029.5 6. Claims on non-banking financial instituions 1,161.8 1,278.0 1,568.7 1,594.5 1,454.7 1,296.0 1,339.5 1,359.0 1,157.6 1,464.2 1,142.6 1,159.0 1,318.1 Total (1+2+3+4+5+6) 255,319.8 251,697.7 253,706.9 257,740.1 261,352.9 264,409.4 271,380.7 272,186.6 274,174.6 278,812.1 284,359.0 290,936.4 299,258.1 LIABILITIES 1. Demand deposits 26,653.3 25,528.6 25,375.4 26,095.3 26,496.8 27,775.8 28,223.3 30,094.3 30,375.6 29,716.4 31,633.0 32,774.7 33,911.7 2. Savings and time deposits 27,992.1 27,809.2 29,818.4 31,554.5 32,425.8 34,987.2 38,443.0 41,421.2 44,092.2 46,155.8 46,819.6 45,557.3 44,836.8 3. Foreign currency deposits 86,760.8 85,800.5 83,282.9 82,426.5 81,700.6 80,779.1 81,019.5 82,112.2 83,623.0 85,173.0 86,894.2 86,627.5 88,256.7 4. Bonds and money market instruments 1,077.0 1,174.2 1,448.8 1,406.1 1,724.0 1,566.1 1,417.9 1,788.4 1,501.4 1,376.0 1,369.7 1,129.2 844.1 5. Foreign liabilities 67,112.3 69,030.8 71,805.7 73,363.8 75,775.2 76,414.4 75,584.1 70,420.0 66,590.4 66,858.5 69,198.9 71,858.3 76,076.0 6. Central government and funds' deposits 9,287.0 8,857.7 8,845.7 8,904.6 8,799.6 8,921.6 9,193.1 9,078.2 9,540.6 9,766.3 9,967.4 10,296.5 10,800.4 7. Credit from central bank 4,215.6 725.2 14.4 564.1 1,003.8 261.9 2,155.4 1,881.3 1,736.4 2,511.3 516.3 14.5 3,911.4 8. Restricted and blocked deposits 2,036.4 2,129.2 2,317.4 2,318.6 2,264.1 2,009.3 2,269.6 2,297.4 2,432.5 2,546.9 2,550.2 4,789.0 2,447.6 9. Capital accounts 32,665.7 32,994.5 33,220.9 33,276.9 33,692.9 34,273.6 35,475.1 35,856.1 36,982.1 37,553.3 37,978.3 40,157.7 40,805.1 10. Other items (net) 2,480.4 2,352.2 2,422.7 2,170.2 2,529.9 2,579.6 2,400.2 2,762.4 2,699.5 2,845.5 2,568.8 2,268.1 2,631.7 Total (1+2+3+4+5+6+7+8+9+10) 255,319.8 251,697.7 253,706.9 257,740.1 261,352.9 264,409.4 271,380.7 272,186.6 274,174.6 278,812.1 284,359.0 290,936.4 299,258.1 Table D1: Banks Accounts Banks Accounts include data on banks claims and liabilities. Banks mutual claims and liabilities are consolidated. Required reserves held at the central bank include kuna and foreign exchange reserves. Kuna reserves include vault cash and kuna funds held in accounts at the central bank. Foreign exchange reserves include foreign exchange held in accounts at the central bank. Foreign assets are the following forms of kuna and foreign currency claims on foreign legal and natural persons: foreign cash in vaults, deposits with foreign banks (including loro letters of credit and other collateral), securities, loans, and equities. Claims on central government and funds are the following forms of claims in kuna and foreign currency: securities and loans. Claims on other domestic sectors include the following claims in kuna and foreign currency: money market instruments, bonds, loans (including acceptances), and equities. The same forms of kuna and foreign currency claims are included in claims on other banking institutions and non-banking financial institutions, with one difference: Claims on other banking institutions also include deposits with those institutions. Items Demand deposits, Savings and time deposits, Foreign currency deposits as well as Bonds and money market instruments comprise banks liabilities to other domestic sectors, other banking institutions and non-banking financial institutions. Demand deposits include giro and current accounts balances and banks obligations arising from kuna payment instruments issued, minus currency in the payment system, i.e. checks in banks vaults and checks in collection. Savings and time deposits are kuna sight deposits as well as kuna time and notice deposits. Foreign currency deposits are foreign currency sight deposits as well as foreign currency time and notice deposits. Bonds and money market instruments are banks liabilities for securities issued (net) and loans obtained. Issued subordinated and hybrid instruments, purchased by foreign investors, are excluded from this item. Foreign liabilities comprise the following forms of kuna and foreign currency liabilities to foreign legal and natural persons: giro and current accounts, savings deposits (including loro letters of credit and other forms of collateral), time deposits, loans received and liabilities due. Issued subordinate and hybrid instruments, purchased by for eign investors, are also included in loans received. Central government and funds deposits are all forms of banks kuna and foreign currency liabilities (except restricted and blocked deposits) to the central government and funds. Credit from central bank comprises loans obtained from the CNB and deposits by the CNB with banks. Repurchase of securities is also considered and treated as a loan. Restricted and blocked deposits comprise the following banks liabilities: kuna and foreign currency restricted deposits by other domestic sectors, other banking institutions, non-banking financial institutions, central government and funds as well as foreign legal and natural persons; and households blocked foreign currency deposits, regulated by the Act on Converting Households Foreign Exchange Deposits into the Public Debt of the Republic of Croatia. Capital accounts are share capital, profit or loss for the previous and current year, retained earnings (loss), legal reserves, reserves provided for by the articles of association and other capital reserves, hedg- ANNUAL REPORT 2006 189

Banks ing reserves, unrealised gains (losses) from financial assets classified as available-for-sale assets, value adjustments and specific reserves for unidentified losses. Other items (net) are unclassified liabilities decreased by unclassified assets, including the fair value of derivative financial instruments. Tables: D2 D12 This group of tables (with the exception of Table D5) represents an elaborate presentation of appropriate items of claims and liabilities of Banks Accounts (Table D1). Table D2: Banks Foreign Assets end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Foreign assets in f/c 35,457.9 33,106.0 31,413.4 26,999.3 27,188.9 26,266.3 25,693.2 26,132.1 28,289.1 32,196.7 36,317.9 35,691.3 39,454.5 1.1. Claims on foreign financial institutions 27,228.5 24,791.2 22,848.6 18,877.5 18,943.6 17,769.9 17,093.7 17,694.2 19,977.8 23,819.4 27,703.1 27,031.2 30,404.1 Foreign currencies 1,136.1 945.5 890.4 1,006.8 1,089.0 1,094.1 1,211.6 1,584.3 1,290.8 1,173.6 1,040.3 990.7 1,232.1 Demand deposits 860.2 890.1 916.5 761.9 865.1 819.4 1,109.1 1,483.7 1,066.0 1,004.9 758.5 780.1 870.1 Time and notice deposits 20,874.6 18,519.1 16,597.7 12,623.9 12,600.9 11,493.9 10,299.4 10,035.2 13,300.5 16,345.5 20,744.8 20,475.8 23,509.4 Securities 4,197.0 4,278.6 4,292.8 4,224.2 4,161.5 4,137.8 4,174.7 4,002.4 4,012.4 4,055.9 4,137.8 4,227.6 4,441.5 Loans and advances 152.9 150.1 143.4 253.0 219.4 217.0 287.4 576.9 296.3 1,227.6 1,009.9 545.2 339.2 Shares and participations 7.8 7.7 7.7 7.7 7.7 7.6 11.6 11.6 11.7 11.8 11.8 11.8 11.8 1.2. Claims on foreign non-banks 8,229.4 8,314.8 8,564.9 8,121.7 8,245.4 8,496.4 8,599.5 8,437.8 8,311.3 8,377.4 8,614.8 8,660.2 9,050.4 Claims on foreign governments 7,735.7 7,842.6 8,062.1 7,600.0 7,723.5 7,971.8 7,863.2 7,764.7 7,540.1 7,606.4 7,840.3 7,809.8 8,217.0 Claims on other non-residents 493.1 471.7 502.3 521.2 521.5 491.0 702.2 646.4 744.6 743.1 745.3 822.3 798.1 Securities 68.0 75.0 75.3 74.9 73.5 72.5 199.6 160.6 155.3 144.9 184.6 188.5 141.5 Loans and advances 425.2 396.6 427.1 446.3 448.1 418.5 502.6 485.8 589.3 598.2 560.7 633.8 656.6 Shares and participations 0.5 0.5 0.5 0.5 0.3 33.6 34.1 26.7 26.7 27.9 29.2 28.1 35.3 2. Foreign assets in kuna 114.6 91.5 92.4 119.9 419.4 269.0 457.2 386.3 406.1 184.3 164.4 158.7 166.7 2.1. Claims on foreign financial institutions 71.3 51.7 52.6 80.1 325.8 197.6 388.5 317.8 337.5 113.3 92.5 87.2 96.9 2.2. Claims on foreign non-banks 43.4 39.8 39.8 39.7 93.7 71.4 68.7 68.5 68.5 71.0 71.9 71.5 69.8 o/w: Loans and advances 42.6 39.0 38.9 38.8 92.9 70.8 68.1 67.9 67.9 70.4 71.3 70.9 69.2 Total (1+2) 35,572.5 33,197.6 31,505.8 27,119.1 27,608.4 26,535.3 26,150.5 26,518.4 28,695.2 32,381.1 36,482.3 35,850.0 39,621.2 Table D2: Banks Foreign Assets This table shows banks claims on foreign legal and natural persons. Foreign assets of banks comprise foreign assets in kuna and foreign currency. Claims on foreign banks and Claims on foreign non-banks (total and by financial instruments) are shown separately within both foreign assets in kuna and in foreign currency. 190

Banks Table D3: Banks Claims on the Central Government and Funds end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. In kuna 20,532.7 20,174.8 20,704.3 20,324.0 20,473.6 20,790.3 23,239.2 22,549.4 22,562.0 22,706.1 20,713.9 22,183.8 22,703.0 1.1. Claims on central government 17,352.6 17,228.6 17,771.9 17,383.5 17,138.4 17,019.7 19,286.5 19,344.9 19,195.6 19,103.4 17,114.5 18,489.4 18,361.2 Securities 16,037.7 15,488.9 15,947.1 15,920.9 15,535.7 15,366.0 14,996.2 15,492.7 15,340.7 15,259.6 14,148.9 15,439.4 14,546.7 o/w: Bonds (c'part to f/c savings deposits) 20.6 22.1 21.5 21.3 21.8 21.1 5.8 7.9 7.6 6.9 7.1 9.3 8.3 Loans and advances 1,314.9 1,739.8 1,824.8 1,462.6 1,602.7 1,653.6 4,290.3 3,852.2 3,854.8 3,843.8 2,965.6 3,050.0 3,814.5 1.2. Claims on central government funds 3,180.1 2,946.2 2,932.5 2,940.5 3,335.2 3,770.6 3,952.8 3,204.5 3,366.5 3,602.6 3,599.4 3,694.5 4,341.9 Securities 3.6 5.5 Loans and advances 3,180.1 2,946.2 2,932.5 2,940.5 3,335.2 3,770.6 3,949.2 3,199.0 3,366.5 3,602.6 3,599.4 3,694.5 4,341.9 2. In f/c 8,344.5 8,226.3 8,147.4 10,760.2 10,575.1 10,325.8 9,958.9 8,605.1 8,611.3 8,620.8 8,647.4 8,082.7 5,233.8 2.1. Claims on central government 7,241.0 7,129.9 7,058.7 9,693.9 9,528.2 9,427.5 9,295.7 7,965.2 7,980.4 8,081.0 8,114.4 7,556.3 4,624.4 Securities 1,248.1 1,175.4 1,138.2 826.4 762.9 683.6 553.7 483.6 481.6 458.9 473.3 441.5 429.0 Loans and advances 5,992.8 5,954.5 5,920.5 8,867.5 8,765.3 8,743.9 8,742.0 7,481.5 7,498.8 7,622.1 7,641.0 7,114.8 4,195.4 2.2. Claims on central government funds 1,103.5 1,096.4 1,088.7 1,066.3 1,046.9 898.3 663.2 639.9 630.9 539.8 533.0 526.4 609.4 Securities 144.2 151.1 149.7 126.1 114.2 114.0 112.8 112.5 102.4 103.5 103.1 98.9 109.2 Loans and advances 959.3 945.3 939.0 940.2 932.7 784.2 550.4 527.4 528.5 436.3 429.9 427.5 500.2 Total (1+2) 28,877.2 28,401.1 28,851.8 31,084.2 31,048.8 31,116.1 33,198.1 31,154.5 31,173.4 31,326.9 29,361.3 30,266.5 27,936.8 Table D3: Banks Claims on the Central Government and Funds The table shows banks kuna and foreign currency claims on the central government and funds. The item Securities, shown under Claims in kuna on the Republic of Croatia, also comprises bonds arising from blocked foreign currency savings deposits issued in accordance with the Act on Converting Households Foreign Exchange Deposits into the Public Debt of the Republic of Croatia. Table D4: Banks Claims on Other Domestic Sectors end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Claims in kuna 133,603.5 137,075.3 136,339.5 140,195.6 142,838.9 145,915.4 148,311.5 150,417.4 152,564.5 155,587.9 158,202.1 161,838.2 166,755.1 1.1. Money market instruments 2,329.9 2,313.6 2,347.5 2,513.3 2,544.4 2,547.6 1,724.2 1,777.0 1,706.7 1,685.6 1,728.6 1,772.1 1,980.7 1.2. Bonds 361.6 355.0 349.1 412.9 455.0 510.2 838.0 872.1 795.0 801.9 822.8 926.4 1,088.8 1.3. Loans and advances 128,882.3 132,398.6 131,588.4 135,172.6 137,701.1 140,780.8 143,505.0 145,681.1 147,981.8 151,017.7 153,685.4 157,142.6 161,694.2 1.4. Shares and participations 2,029.6 2,008.1 2,054.5 2,096.8 2,138.3 2,076.7 2,244.2 2,087.2 2,080.9 2,082.7 1,965.4 1,997.2 1,991.4 2. Claims in f/c 13,737.4 11,530.1 14,079.3 14,222.5 14,196.6 14,175.9 14,477.2 14,288.1 14,597.4 14,739.0 14,500.7 14,157.4 14,212.8 2.1. Securities 307.6 333.9 340.8 331.6 345.7 334.0 124.5 69.6 65.9 86.2 79.1 226.9 221.1 2.2. Loans and advances 13,429.8 11,196.2 13,738.6 13,890.9 13,850.9 13,841.9 14,352.7 14,218.6 14,531.5 14,652.8 14,421.6 13,930.5 13,991.6 Total (1+2) 147,340.9 148,605.4 150,418.8 154,418.1 157,035.6 160,091.2 162,788.7 164,705.5 167,161.9 170,326.9 172,702.8 175,995.6 180,967.8 Table D4: Banks Claims on Other Domestic Sectors The table shows banks kuna and foreign currency claims on other domestic sectors, classified according to financial instruments: money market instruments (including factoring and forfaiting since January 2004), loans and advances (including acceptances and purchased claims), and equities. Until October 1994, foreign currency loans could be granted only when banks simultaneously borrowed abroad in their own name and for the account of the end-user. ANNUAL REPORT 2006 191

Banks Table D5: Distribution of Banks Loans by Domestic Institutional Sectors end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. LOANS IN KUNA 1. Loans to central government and funds 4,495.0 4,686.0 4,757.3 4,403.1 4,937.9 5,424.2 8,239.4 7,051.2 7,221.3 7,446.4 6,565.0 6,744.4 8,156.4 1.1. Loans to central government 1,314.9 1,739.8 1,824.8 1,462.6 1,602.7 1,653.6 4,290.3 3,852.2 3,854.8 3,843.8 2,965.6 3,050.0 3,814.5 1.2. Loans to central government funds 3,180.1 2,946.2 2,932.5 2,940.5 3,335.2 3,770.6 3,949.2 3,199.0 3,366.5 3,602.6 3,599.4 3,694.5 4,341.9 2. Loans to local government 1,613.9 1,577.0 1,562.9 1,541.0 1,520.9 1,563.0 1,581.4 1,568.8 1,591.6 1,534.2 1,558.2 1,528.7 1,720.3 3. Loans to enterprises 49,105.9 51,856.6 50,780.4 52,667.1 53,769.9 54,616.7 55,911.1 56,551.2 57,226.0 58,014.4 59,122.0 61,291.4 64,666.3 4. Loans to households 78,162.4 78,965.0 79,245.1 80,964.6 82,410.3 84,601.1 86,012.5 87,561.2 89,164.2 91,469.1 93,005.1 94,322.5 95,307.6 o/w: Housing loans 27,571.1 28,119.3 28,514.0 29,498.7 30,214.0 31,157.8 31,925.4 32,771.0 33,734.6 34,709.0 35,584.7 36,216.8 36,927.3 5. Loans to other banking institutions 46.5 31.9 30.9 36.4 91.0 76.5 48.3 72.0 56.5 50.5 307.3 414.4 304.4 6. Loans to non-banking financial institutions 591.8 630.5 729.1 1,100.6 943.6 852.4 732.4 753.6 565.1 839.8 636.3 751.7 854.4 A. Total (1+2+3+4+5+6) 134,015.6 137,747.0 137,105.7 140,712.7 143,673.6 147,134.0 152,525.2 153,557.9 155,824.8 159,354.4 161,194.0 165,053.0 171,009.4 LOANS IN F/C 1. Loans to central government and funds 6,952.1 6,899.8 6,859.5 9,807.8 9,698.0 9,528.2 9,292.4 8,008.9 8,027.3 8,058.4 8,070.9 7,542.3 4,695.6 1.1. Loans to central government 5,992.8 5,954.5 5,920.5 8,867.5 8,765.3 8,743.9 8,742.0 7,481.5 7,498.8 7,622.1 7,641.0 7,114.8 4,195.4 1.2. Loans to central government funds 959.3 945.3 939.0 940.2 932.7 784.2 550.4 527.4 528.5 436.3 429.9 427.5 500.2 2. Loans to local government 63.0 18.7 18.6 18.6 18.5 18.5 18.4 11.2 11.3 11.4 11.4 11.3 11.3 3. Loans to enterprises 12,973.5 10,851.1 13,318.0 13,447.6 13,446.1 13,429.2 13,945.0 13,816.7 14,126.4 14,249.5 14,039.3 13,549.0 13,598.5 4. Loans to households 393.3 326.4 402.0 424.7 386.3 394.3 389.3 390.7 393.8 391.9 371.0 370.2 381.8 5. Loans to other banking institutions 19.9 14.6 21.8 100.5 7.3 7.6 26.1 66.1 68.1 6. Loans to non-banking financial institutions 512.3 589.0 746.5 396.0 435.3 359.3 518.2 509.2 481.3 535.8 411.1 311.3 360.5 B. Total (1+2+3+4+5+6) 20,914.1 18,685.0 21,359.3 24,094.7 23,984.3 23,729.4 24,185.0 22,837.3 23,047.4 23,254.7 22,929.8 21,850.3 19,115.9 TOTAL (A+B) 154,929.7 156,432.0 158,465.0 164,807.5 167,657.8 170,863.4 176,710.2 176,395.2 178,872.1 182,609.1 184,123.7 186,903.3 190,125.3 Table D5: Distribution of Banks Loans by Domestic Institutional Sectors The table shows data on kuna and foreign currency loans granted by banks to domestic sectors, including acceptances, financial leases, payments made on the basis of guarantees and similar instruments, purchased claims, and until December 2003 factoring and forfaiting. Table D6: Demand Deposits with Banks end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Local government 1,688.7 1,507.7 1,408.7 1,300.2 1,561.3 1,596.6 1,446.1 1,417.0 1,726.2 1,508.4 1,649.1 1,847.2 1,803.8 2. Enterprises 13,344.2 12,365.7 11,880.8 12,381.7 12,199.8 12,670.2 12,642.9 13,898.4 13,824.6 13,616.7 14,287.4 14,600.9 16,668.6 3. Households 10,728.3 10,717.6 11,058.9 11,395.0 11,836.4 12,506.2 13,217.8 13,577.3 13,641.2 13,628.2 13,816.6 13,366.6 14,257.8 4. Other banking institutions 322.1 282.8 343.1 360.8 307.1 366.1 296.9 456.3 400.0 331.1 439.2 728.8 485.1 5. Non-banking financial institutions 571.3 656.0 685.2 658.5 593.5 637.8 621.3 746.6 785.2 633.3 1,441.8 2,232.4 697.6 6. Less: Checks of other banks and checks in collection 1.3 1.2 1.3 0.9 1.2 1.2 1.8 1.3 1.6 1.3 1.1 1.3 1.2 Total (1+2+3+4+5+6) 26,653.3 25,528.6 25,375.4 26,095.3 26,496.8 27,775.8 28,223.3 30,094.3 30,375.6 29,716.4 31,633.0 32,774.7 33,911.7 Table D6: Demand Deposits with Banks The table shows demand deposits with banks, classified by domestic institutional sectors. Demand deposits are the sum of other domestic sectors, other banking institutions and non-banking financial institutions giro and current accounts balances, minus currency in the payment system (i.e. amount of checks in banks vaults and checks in collection). Banks obligations arising from kuna payment instruments issued are included in the household sector. 192

Banks Table D7: Time and Savings Deposits with Banks end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Savings deposits 2,493.6 2,524.0 2,576.5 2,580.3 2,584.8 2,559.5 2,685.8 2,891.3 2,979.0 2,877.0 2,765.4 2,678.5 2,905.6 1.1. Local government 2.7 3.3 3.1 4.1 3.8 3.4 3.4 3.4 3.6 3.5 3.6 3.7 2.8 1.2. Enterprises 101.6 114.3 110.5 120.4 125.4 111.2 115.4 170.5 179.6 193.1 77.8 75.8 110.3 1.3. Households 2,388.3 2,406.4 2,462.9 2,455.9 2,455.6 2,444.9 2,567.0 2,717.4 2,795.8 2,676.4 2,684.0 2,598.9 2,792.4 1.4. Other banking institutions 1.5. Non-banking financial institutions 1.0 0.0 0.0 4.1 0.0 0.0 0.0 2. Time and notice deposits 25,498.4 25,285.2 27,241.9 28,974.2 29,841.0 32,427.6 35,757.2 38,529.9 41,113.2 43,278.8 44,054.2 42,878.8 41,931.3 2.1. Local government 508.7 665.1 712.8 778.5 774.0 827.5 850.0 951.0 931.1 1,008.9 1,049.0 964.2 491.8 2.2. Enterprises 8,222.5 7,517.1 9,508.9 9,887.6 10,189.4 11,278.9 12,850.8 13,793.3 14,476.3 14,708.8 14,809.5 15,097.1 14,715.4 2.3. Households 13,254.9 13,739.6 14,033.3 14,507.4 14,898.3 15,835.6 17,037.6 18,854.9 20,609.4 22,049.9 21,679.2 21,140.8 20,755.0 2.4. Other banking institutions 931.9 1,058.4 597.7 935.9 758.4 1,056.0 1,233.9 1,246.3 1,289.6 1,581.1 1,957.2 1,685.5 2,697.9 2.5. Non-banking financial institutions 2,580.4 2,304.9 2,389.3 2,864.7 3,221.0 3,429.7 3,784.9 3,684.4 3,806.8 3,930.0 4,559.3 3,991.1 3,271.3 Total (1+2) 27,992.1 27,809.2 29,818.4 31,554.5 32,425.8 34,987.2 38,443.0 41,421.2 44,092.2 46,155.8 46,819.6 45,557.3 44,836.8 Table D7: Time and Savings Deposits with Banks The table shows kuna savings and time deposits by other domestic sectors, other banking institutions and non-banking financial institutions with banks. Table D8: Foreign Currency Deposits with Banks end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Savings deposits 22,641.0 22,376.0 22,084.2 21,770.9 21,336.6 21,534.0 21,866.3 22,807.4 23,506.1 23,790.7 23,718.7 22,743.6 22,698.6 1.1. Local government 11.9 10.6 11.3 10.7 10.5 10.6 18.0 16.6 16.7 16.8 17.0 17.0 30.8 1.2. Enterprises 4,408.3 4,274.5 4,282.1 4,083.8 3,720.3 3,998.1 4,378.8 4,879.8 4,945.2 4,861.9 4,991.3 4,477.5 4,589.7 1.3. Households 17,933.6 17,673.0 17,555.1 17,500.3 17,329.3 17,247.5 17,196.2 17,645.7 18,201.9 18,527.3 18,181.8 17,605.4 17,609.9 1.4. Other banking institutions 116.0 126.1 79.3 33.5 36.2 85.5 80.9 61.7 89.1 171.5 261.3 250.6 276.7 1.5. Non-banking financial institutions 171.3 291.9 156.4 142.5 240.3 192.2 192.4 203.7 253.2 213.2 267.4 393.1 191.4 2. Time deposits 64,119.7 63,424.5 61,198.7 60,655.7 60,364.0 59,245.1 59,153.1 59,304.7 60,116.9 61,382.4 63,175.5 63,883.9 65,558.1 2.1. Local government 3.2 3.1 2.1 2.0 2.0 1.9 2.0 1.9 1.9 2.0 2.0 1.9 1.9 2.2. Enterprises 8,154.2 7,725.7 5,916.9 5,807.5 5,772.2 5,201.7 5,316.5 5,522.5 5,919.3 6,336.5 6,904.7 7,038.1 7,086.2 2.3. Households 55,036.1 54,966.0 54,645.2 54,312.5 54,038.9 53,509.6 53,303.1 53,038.6 53,105.2 53,860.0 55,015.6 55,757.2 57,210.8 2.4. Other banking institutions 242.0 233.4 242.0 137.8 105.6 104.1 75.9 193.5 254.1 241.1 259.6 193.7 366.2 2.5. Non-banking financial institutions 684.2 496.3 392.5 395.7 445.4 427.8 455.7 548.2 836.4 942.7 993.7 893.0 892.9 Total (1+2) 86,760.8 85,800.5 83,282.9 82,426.5 81,700.6 80,779.1 81,019.5 82,112.2 83,623.0 85,173.0 86,894.2 86,627.5 88,256.7 Table D8: Foreign Currency Deposits with Banks The table shows foreign currency savings and time deposits by other domestic sectors, other banking institutions and non-banking financial institutions with banks. Foreign currency savings deposits are all foreign currency sight deposits and foreign currency payment instruments issued while foreign currency time deposits also include foreign currency notice deposits. ANNUAL REPORT 2006 193

Banks Table D9: Bonds and Money Market Instruments end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Money market instruments (net) 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 2. Bonds (net) 164.9 170.4 603.4 593.9 529.2 480.0 407.7 417.3 374.5 373.3 351.3 340.9 340.9 3. Other domestic borrowing 912.1 1,003.8 845.4 812.1 1,194.0 1,085.3 1,009.4 1,370.3 1,126.1 1,001.9 1,017.6 787.5 502.5 3.1. Local government 3.2. Enterprises 40.8 51.4 44.0 41.0 41.0 40.9 40.9 41.0 41.0 41.0 41.1 0.1 0.0 3.3. Other banking institutions 828.1 675.6 547.4 652.6 849.1 741.4 865.2 1,036.8 795.7 867.0 710.4 572.4 492.8 3.4. Non-banking financial institutions 43.2 276.8 254.0 118.6 303.9 303.0 103.2 292.5 289.4 94.0 266.0 215.0 9.6 Total (1+2+3) 1,077.0 1,174.2 1,448.8 1,406.1 1,724.0 1,566.1 1,417.9 1,788.4 1,501.4 1,376.0 1,369.7 1,129.2 844.1 Table D9: Bonds and Money Market Instruments The table shows banks liabilities for securities issued (net) and loans received from other domestic sectors, other banking institutions and non-banking financial institutions. Money market instruments (net) comprise banks net liabilities for CNB bills, bills of exchange (issued and accepted) and other securities issued. Bonds (net) comprise banks net liabilities for kuna and foreign currency bonds issued, as well as issued subordinated and hybrid instruments, excluding those purchased by foreign investors. Other domestic borrowing comprises loans received, reported total and classified by institutional sectors. Table D10: Banks Foreign Liabilities end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Foreign liabilities in f/c 52,073.3 53,283.7 55,352.2 55,271.5 56,502.4 56,820.1 54,219.8 50,037.7 48,260.0 48,258.8 50,069.4 50,875.4 55,114.3 1.1. Liabilities to foreign financial institutions 45,747.7 47,018.3 49,027.6 48,921.5 50,229.2 50,577.8 47,896.6 43,721.7 41,952.4 41,894.4 43,483.4 44,551.6 48,561.3 Demand deposits 156.3 101.6 121.8 113.0 125.3 107.0 298.6 100.4 127.1 129.1 105.1 108.6 195.0 Time and notice deposits 12,523.1 12,139.7 12,472.9 13,456.2 14,052.7 14,778.0 14,326.6 12,242.0 11,794.2 11,927.9 12,989.1 14,661.1 12,174.1 Loans and advances 29,775.6 31,482.7 33,161.4 32,073.1 32,786.0 32,446.5 30,029.5 28,136.6 26,763.1 26,536.5 27,093.6 26,494.8 32,903.9 o/w: Subordinated and hybrid instruments 1,167.4 1,164.8 1,156.6 1,159.1 935.3 782.6 781.8 781.9 788.0 795.3 793.9 790.1 820.7 Bonds 3,292.6 3,294.3 3,271.5 3,279.2 3,265.2 3,246.3 3,241.9 3,242.7 3,268.1 3,300.9 3,295.6 3,287.2 3,288.3 1.2. Liabilities to foreign non-banks 6,325.6 6,265.4 6,324.7 6,350.0 6,273.2 6,242.3 6,323.2 6,316.0 6,307.6 6,364.4 6,585.9 6,323.7 6,553.0 Savings and time deposits 5,846.3 5,851.9 5,912.9 5,940.7 5,867.0 5,837.1 5,918.4 5,956.5 5,945.5 6,000.4 6,222.5 5,963.7 6,192.4 Sight deposits 1,172.9 1,158.2 1,209.8 1,246.6 1,217.2 1,231.1 1,311.4 1,343.5 1,311.9 1,352.1 1,549.3 1,374.8 1,635.8 Time and notice deposits 4,673.4 4,693.8 4,703.2 4,694.2 4,649.8 4,606.0 4,607.0 4,612.9 4,633.7 4,648.2 4,673.2 4,588.9 4,556.7 Loans and advances 479.3 413.5 411.7 409.3 406.2 405.2 404.8 359.5 362.0 364.0 363.5 360.0 360.5 o/w: Subordinated and hybrid instruments 2. Foreign liabilities in kuna 15,039.1 15,747.1 16,453.5 18,092.3 19,272.7 19,594.3 21,364.3 20,382.3 18,330.3 18,599.6 19,129.6 20,982.9 20,961.8 2.1. Liabilities to foreign financial institutions 14,099.6 14,802.8 15,495.0 17,265.4 18,394.3 18,678.3 20,387.0 19,312.6 17,485.8 17,697.4 18,101.2 20,035.7 20,087.0 Demand deposits 179.6 172.1 298.4 353.1 338.7 435.4 520.4 490.9 501.8 538.9 1,029.8 2,118.9 1,438.1 Time and notice deposits 6,979.5 7,557.4 8,176.2 8,788.0 8,879.2 9,089.3 9,122.2 8,629.4 8,110.7 8,223.7 8,143.9 9,021.0 11,198.8 Loans and advances 6,940.5 7,073.3 7,020.4 8,124.3 9,176.4 9,153.5 10,744.4 10,192.2 8,873.3 8,934.8 8,927.6 8,895.8 7,450.2 o/w: Subordinated and hybrid instruments 405.7 404.8 401.9 402.8 401.0 399.5 399.1 399.2 402.3 406.0 405.3 403.3 404.0 2.2. Liabilities to foreign non-banks 939.5 944.3 958.4 826.9 878.5 916.0 977.3 1,069.8 844.5 902.2 1,028.3 947.2 874.8 Demand deposits 180.3 185.9 212.5 221.7 252.9 254.1 311.6 382.5 146.4 192.5 281.9 324.1 170.1 Time and notice deposits 755.2 754.4 742.0 601.3 621.6 658.0 661.7 683.3 694.2 709.7 746.5 621.6 703.3 Loans and advances 4.0 4.0 3.9 4.0 3.9 3.9 3.9 3.9 3.9 1.4 1.4 o/w: Subordinated and hybrid instruments 4.0 4.0 3.9 4.0 3.9 3.9 3.9 3.9 3.9 1.4 1.4 Total (1+2) 67,112.3 69,030.8 71,805.7 73,363.8 75,775.2 76,414.4 75,584.1 70,420.0 66,590.4 66,858.5 69,198.9 71,858.3 76,076.0 Table D10: Banks Foreign Liabilities The table shows banks total foreign currency and kuna liabilities to foreign legal and natural persons, with the exception of restricted kuna and foreign currency deposits by foreign legal and natural persons. Banks foreign liabilities comprise foreign currency liabilities and foreign kuna liabilities. Within foreign kuna and foreign currency liabilities, liabilities to foreign banks are reported separately from liabilities to foreign nonbanks (total and by financial instruments). Loans and advances also include issued subordinated and hybrid instruments purchased by foreign investors. 194

Banks Table D11: Central Government and Funds Deposits with Banks end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. In kuna 7,596.1 7,379.5 7,502.7 7,717.3 7,870.8 7,954.0 8,332.7 8,094.9 8,403.2 8,729.5 8,802.8 8,809.8 9,030.0 1.1. Central government deposits 605.0 565.4 508.0 549.3 496.1 470.1 433.5 444.1 468.8 461.7 526.4 566.3 497.5 Demand deposits 458.1 420.5 381.6 419.4 368.2 331.3 301.4 308.7 334.2 351.1 393.1 430.2 366.2 Savings deposits 1.8 1.3 1.3 1.3 1.6 1.5 1.4 1.9 1.9 1.9 1.6 2.3 2.1 Time and notice deposits 144.0 142.5 124.1 127.6 125.3 136.3 129.6 132.5 131.6 107.6 130.6 132.8 128.1 Loans and advances 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.2. Central government funds' deposits 6,991.1 6,814.1 6,994.7 7,168.0 7,374.6 7,483.9 7,899.2 7,650.7 7,934.4 8,267.8 8,276.4 8,243.6 8,532.6 Demand deposits 580.2 520.4 552.8 512.4 464.7 499.0 326.0 401.8 474.5 424.5 463.8 467.3 254.6 Savings deposits 1.9 1.9 12.0 10.2 10.2 10.2 10.2 10.2 10.2 10.2 20.2 24.6 14.6 Time and notice deposits 251.7 156.5 117.0 232.1 239.6 183.0 339.0 205.0 338.9 299.6 286.1 218.8 496.7 Loans and advances 6,157.3 6,135.3 6,312.8 6,413.3 6,660.1 6,791.6 7,224.0 7,033.7 7,110.9 7,533.5 7,506.3 7,532.9 7,766.7 2. In f/c 1,690.9 1,478.2 1,343.0 1,187.3 928.8 967.6 860.4 983.4 1,137.4 1,036.8 1,164.6 1,486.6 1,770.4 2.1. Central government deposits 906.2 656.5 706.4 768.7 695.3 634.7 680.0 532.0 512.6 641.2 625.1 777.3 811.7 Savings deposits 340.6 213.4 263.1 287.7 233.0 192.9 228.9 188.0 167.0 221.1 206.9 412.3 264.8 Time and notice deposits 38.7 37.1 32.6 77.0 75.3 65.3 65.3 65.3 67.6 136.1 135.9 93.3 275.0 Refinanced loans and advances 527.0 406.1 410.7 404.1 387.0 376.5 385.8 278.8 278.0 284.0 282.3 271.7 271.9 2.2. Central government funds' deposits 784.7 821.7 636.6 418.6 233.5 332.9 180.3 451.4 624.8 395.5 539.5 709.3 958.6 Savings deposits 139.4 107.8 104.6 126.4 138.7 125.0 144.1 106.6 110.6 107.7 201.2 220.2 93.4 Time and notice deposits 25.8 21.9 207.9 344.8 433.8 96.0 98.7 212.7 356.2 Loans and advances 619.6 713.9 532.0 292.2 72.9 36.3 80.5 191.9 239.5 276.5 509.0 Total (1+2) 9,287.0 8,857.7 8,845.7 8,904.6 8,799.6 8,921.6 9,193.1 9,078.2 9,540.6 9,766.3 9,967.4 10,296.5 10,800.4 Table D11: Central Government and Funds Deposits with Banks The table reports total banks kuna and foreign currency liabilities to the central government and funds, with the exception of restricted (kuna and foreign currency) deposits by the central government and funds with banks. Kuna and foreign currency deposits by the Republic of Croatia and central government funds are shown separately. Kuna deposits comprise demand deposits, savings deposits, time and notice deposits, and loans obtained from the central government and funds. Foreign currency deposits comprise savings deposits, time and notice deposits, and refinanced loans. Table D12: Restricted and Blocked Deposits with Banks end of period, million kuna 2005 2006 Dec. Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 1. Restricted deposits 2,036.4 2,129.2 2,317.4 2,318.6 2,264.1 2,009.3 2,269.6 2,297.4 2,432.5 2,546.9 2,550.2 4,789.0 2,447.6 1.1. In Kuna 1,277.1 1,216.0 1,384.9 1,338.1 1,359.4 1,356.7 1,328.1 1,439.1 1,526.1 1,472.7 1,530.7 3,510.4 1,427.0 1.2. In f/c 759.3 913.2 932.5 980.5 904.7 652.7 941.6 858.3 906.4 1,074.3 1,019.5 1,278.5 1,020.5 2. Blocked f/c deposits of housholds Total (1+2) 2,036.4 2,129.2 2,317.4 2,318.6 2,264.1 2,009.3 2,269.6 2,297.4 2,432.5 2,546.9 2,550.2 4,789.0 2,447.6 Table D12: Restricted and Blocked Deposits with Banks The table shows households restricted deposits (kuna and foreign currency) and blocked deposits. Blocked foreign currency deposits include households foreign currency deposits regulated by the Act on Converting Households Foreign Exchange Deposits into the Public Debt of the Republic of Croatia. ANNUAL REPORT 2006 195