Hrvatska postanska banka d d : Audited financial statements of Hrvatska poštanska banka d.d. - 31.12.2023

HPB p.l.c. 12M 2023

Investor information and audited financial statements

March 2024

Limitation of liability

• ▪ The information and data contained in this presentation are intended as general background information on Hrvatska poštanska banka p.l.c. (hereinafter referred to as the Bank 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 forward-looking 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 forward-looking 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.

• ▪ From January 1, 2023, the euro was introduced as the official currency in the Republic of Croatia, and for the purposes of this presentation, the previous periods are prepared using a fixed HRK/EUR conversion rate where EUR 1 = HRK 7.53450.

Financial statements for the period 1.1.2023 - 31.12.2023,

Type and name of prescribed information:

Issuer name, headquarter and address: Issuer's Legal Entity Identifier (LEI) Home Member State:

International Securities Identification Number (ISIN)

Stock code (ticker):

Regulated market and segment:

HPB p.l.c. 12M 2023 Investor information and audited Financial statements for the period 1.1.2023 - 31.12.2023

Hrvatska poštanska banka p.l.c., Jurišićeva ulica 4, HR-10000 Zagreb 529900D5G4V6THXC5P79

Republic of Croatia

HRHPB0RA0002

HPB-R-A

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), publishes audited financial statements for the period from January 1 to December 31, 2023.

Original and official report is published in Croatian.

The report includes:

• ▪ Management report of HPB p.l.c.,

• ▪ Statement by persons responsible for compiling the report,

• ▪ Audited set of unconsolidated financial statements (balance sheet, profit or loss statement, statement of changes in equity, cash flow statement), and

• ▪ Notes to the financial statements.

Financial statements and notes have been compiled in accordance with instructions defined in Rulebook on the content and structure of the annual issuer's reports (NN 114/2018, 132/2020).

Statement of the President of the Management Board

Marko Badurina, President of the Management Board

"Since the end of 2019, the Bank's focus on the strategic goals has continuously yielded excellent financial results and achievements, representing huge and important leaps not only for us, but for the whole Croatian banking market.

Apart from record breaking financial results from quarter to quarter, HPB stands out by taking an agile approach to growth opportunities on the market - subsequent to successful merger of Nova hrvatska banka we are carrying out operational integration which is in the final phase. Meanwhile, we were the first on the market to significantly increase interest on deposits, which has, alongside the measures of Croatian Government, contributed to the suppression of inflation.

HPB has ended 2023 by rising to the Top 5 banks in Croatia by assets' size and by achieving this we are well positioned to have a great start of the new development phase of the now significantly strengthened Croatian bank"

Executive Summary

Macroeconomic Environment Financials

Risk Management Additional information

HPB creates new pages of history

We are creating conditions for a better life in Croatia.

Sources: HPB p.l.c. unconsolidated quarterly financial reports (TFI-KI) for the period Jan 01 - Dec 31 2023

Trading data for HPB share,www.zse.hr

Bank no. 5 in Croatia - we are changing the market and making a difference

Total assets

31.12.2022 EUR bn

4.6

Total assets

31.12.2023 EUR bn

Share

20.0

# 6

Source: CNB statistics, SV1 Data on the operations of credit institutions as of 12/31/2022 and 12/31/2023 (preliminary, unaudited)

Share

Executive Summary

Macroeconomic Environment

Financials

Risk Management Additional information

Macroeconomic indicators

Source: ECB Data Portal

Croatia

Euro area €

Dec 23: 2.9%

Dec 22: 9.2%

Dec 23: 6.4%

Dec 22: 6.7%

Q3 23: 0.0%

Q3 22: 2.5%

Euro area €

Dec 23: 3.3%

Dec 22: 1.5%

Dec 23: 3.7%

Dec 22: 1.8%

Q3 23: 1.8%

Q3 22: 2.7%

Q3 23: 1.5%

Q3 22: 4.1%

Dec 23: 7.7%

Dec 22: 6.4%

Dec 23: 4.0%

Dec 22: 2.9%

Dec 23: 5.2%

Dec 22: 3.4%

Households

Corporations

Households

CorporationsHouseholds'

consumptionHouseholds'

home purchase

Corporations

Executive Summary Macroeconomic Environment

Financials

Risk Management Additional information