HPB dd : The Presentation for the conference - Financial results of the Bank - Q3 2016

SUCCESS CONTINUES FINANCIAL RESULTS Jan 01 - Sep 30 2016

Source: http://www.thebanker.com/World/Central-Eastern-Europe/Top-250-EU-banks-assets-down-profits-up

Press conference

Zagreb, October 25 2016

HPB p.l.c.

VISION

Largest Croatian-owned banking group that takes best possible

care of the financial security and prosperity of its clients and community.

CLIENT- FOCUSED

GOAL ACHIEVEMENT CULTURE

ACCOUNTABILITY AGILITY

TEAMWORK

EXCELLENCE

HPB Group respects its owners and ensures

long-term sustainable return on invested capital.

TRENDS IN 2016

• net profit and operating profit exceed records set in 2015

• market share growth

• growth in total loans and deposits

• strong housing loans growth

• momentum set for growth and profitability

• 26 thousand of newly opened current accounts

• client base grows by 13 thousand during 2016

• HPB has 650 thousand of faithful clients

2016 SURPASSES RECORD BREAKING 2015

AND IS BETTER THAN PLANNED

ytd 2014

ytd 2015

ytd 2016

plan ytd 2016

net profit

≥ HRK

180,8 mil

net result

operating

profit

HRK (409,8 mil)

HRK

236,8 mil

HRK

106,8 mil

HRK

267,6 mil

HRK

147,5 mil

HRK

297,8 mil

HRK

145,5 mil

HRK

244,3 mil

C/I

indicator

≤57,8%

2016

Δ

loans

(2,3%)

(0,3%)

+8,8%

+5,7%

GOALS

operating

profit

≥HRK

321,2 mil

Δ

assets

(1,5%)

(4,1%)

+7,6%

+1,5%

C/I 58,6% 54,8% 52,2% 56,9%

Δ

deposits

(1,8%)

+3,8%

+9,4%

+2,2%