Hipotekarna banka Podgorica : Balance sheet and income statement

No.	Assets:	30.6.2020
1.	Cash and Deposit Accounts with Depository	122.138
2.	Financial assets at amortized cost	263.665
2.a.	Loans and receivables from banks	22.060
2.b.	Loans and receivables from clients	239.712
2.c.	Securities	0
2.d.	Other financial assets	1.893
	Financial assets at fair value through other comprehensive income
3.		122.750
3.a.	Loans and receivables from banks	0
3.b.	Loans and receivables from clients	0
3.c.	Securities	122.750
3.d.	Other financial assets	0
4.	Financial assets held for trading	0
4.a.	Loans and receivables from banks	0
4.b.	Loans and receivables from clients	0
4.c.	Securities	0
4.d.	Other financial assets	0
	Financial assets at fair value through profit and loss, which are not
5.	held for trading	0
5.a.	Loans and receivables from banks	0
5.b.	Loans and receivables from clients	0
5.c.	Securities	0
5.d.	Other financial assets	0
6.	Derivatives that are kept for risk protection	0
	Changes in fair value items that are subject to risk protection
7.		0
	Investments in associates, subsidiaries and joint ventures using the
8.	equity method	5
9.	Investment property	0
10.	Property, plant and equipment	6.100
11.	Intangible assets	1.949
12.	Current tax assets	0
13.	Deferred tax assets	25
	Fixed assets intended for sale and assets that are being discontinued
14.		0
15.	Other assets	2.418
16.	Total Assets	519.050
	Liabilities:
17.	Financial liabilities at amortized cost	432.027
17.a.	Deposits from banks and central banks	556
17.b.	Client deposits	411.997
17.c.	Loans from banks and central banks (borrowings)	0
17.d.	Loans from clients which are not banks (borrowings)	19.438
17.e.	Securities	0
17.f.	Other financial liabilities	36
18.	Financial liabilities held for trading	0
18.a.	Deposits from banks and central banks	0
18.b.	Client deposits	0
18.c.	Loans from banks and central banks (borrowings)	0
18.d.	Loans from clients which are not banks (borrowings)	0
18.e.	Securities	0
18.f.	Other financial liabilities	0
	Financial liabilities that are not traded and are valued at fair value
19.	through profit and loss account	0
19.a.	Deposits from banks and central banks	0
19.b.	Client deposits	0
19.c.	Loans from banks and central banks (borrowings)	0
19.d.	Loans from clients which are not banks (borrowings)	0
19.e.	Other financial liabilities	0
	Derivative financial liabilities as an instrument of protection
20.		0
21.	Changes in the fair value of items that are subject to risk protection	0
22.	Reserves	1.312
	Liabilities on assets held for sale and assets that are being
23.	discontinued	0
24.	Current tax liabilities	0
25.	Deferred tax liabilities	209
26.	Other liabilities	13.183
27.	Subordinated debt	22.266
28.	Total Liabilities	468.998
	Capital:
29.	Share capital	16.006
30.	Emission premiums	7.444
31.	Non-allocated profit	25.405
32.	Profit / loss for the current year	2.425
33.	Other reserves	-1.227
34.	Interests without controlling influence in equity	0
35.	Total Capital: (29 through 34)	50.052
36.	Total Liabilities and Capital: (28 + 35)	519.050

No.	POSITION	01.01.2020-30.06.2020
1.	Interest and similar income	9.036
2.	Interest income on impaired loans	0
3.	Interest and similar expenses	1.591
I.	Net Interest Income (1 + 2 - 3)	7.445
4.	Fees from Income	5.962
5.	Fee expense	3.788
II.	Net Fee Income/Expense (4-5)	2.173
	Net profit / loss due to the cessation of recognition of financial instruments
6.	that are not valued at fair value through profit and loss account	81
7.	Net gain / loss on financial instruments held for trading	89
	Net profit / losses on financial instruments at fair value through profit and
8.	loss, which are not held for trading	0
9.	Change in fair value in risk accounting (hedging)	0
10.	Foreign currency exchange revenues/losses	233
11.	Net gain / loss on the expiry of recognition of other assets	132
12.	Other income	316
13.	Personnel expenses	2.716
14.	Amortisation expense	1.269
15.	General and administrative expenses	2.935
16.	Net gains / losses on modification and reclassification of financial instrument	0
17.	Net income / expense on impairment of financial instruments that are not
valued at fair value through profit and loss account	1.088
18.	Provisions losses	-2
19.	Other expenses	36
III.	Net Income/Loss Before Extraordinary Items	2.428
21.	Income tax expense	3
22.	Net Profit/Loss	2.425