Srpsko bankarstvo 2022

BANKARSTVO

ISSN 2466-5495 l COBISS.SR-ID 109903884

Udruženje banaka Srbije

Specijalni broj

Bankarstvo www.casopisbankarstvo.rs.

reviewers for the purpose of ethical conduct of all part icipants in t he process of Bankarstvo Journal publication can be found at the Journal’s webpage www.casopisbankarstvo.rs.

Bankarstvo

Political Sciences, within the Ministry of Education, Science and Technological Development, Bankarstvo Journal

All papers undergo double blind peer review.

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DOAJ

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CEEOL

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EconBiz

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ERIH PLUS

https://dbh.nsd.uib.no/publiseringskanaler/erihplus/periodical/info?id=496397

ISSN 2466-5495 (Online)

Bankarstvo

Specijalno izdanje za 2022. god./Special Edition 2022

Godina izdanja / Year of Publishing

Redovni brojevi časopisa, na srpskom i engleskom jeziku, izlaze četiri puta godišnje - tromesečno / Regular issues of the journal, in Serbian and in English, are published four times per year - quarterly

Izdavač / Publisher

Udruženje banaka Srbije p.u. / Association of Serbian Banks b.a. 11000 Beograd, Bulevar kralja Aleksandra 86 bankarstvo@ubs-asb.com www.ubs-asb.com

Glavni i odgovorni urednik / Editor-in-Chief

Marina Papadakis

Redakcioni odbor / Editorial Board

Prof. dr Radovan Kovačević, Ekonomski fakultet Beograd / Faculty of Economics Belgrade

Prof. dr Miloš Božović, Ekonomski fakultet Beograd / Faculty of Economics Belgrade

Prof. dr Dušan Marković, Ekonomski fakultet Beograd / Faculty of Economics Belgrade

Prof. dr Aleksandar Živković, Ekonomski fakultet Beograd / Faculty of Economics Belgrade

Prof. dr Velimir Lukić, Ekonomski fakultet Beograd / Faculty of Economics Belgrade

Prof. dr Vladimir Vučković, Fiskalni savet Republike Srbije / Fiscal Council of the Republic of Serbia

Prof. dr Nebojša Savić, FEFA - Fakultet za Ekonomiju, Finansije i Administraciju / FEFA - Faculty of Economics, Finance and Administration

Prof. dr Goran Pitić, FEFA - Fakultet za Ekonomiju, Finansije i Administraciju / FEFA - Faculty of Economics, Finance and Administration

Prof. dr Snežana Knežević, vanredni profesor, Fakultet organizacionih nauka, Beograd / Associate Professor, Faculty of Organizational Sciences, Belgrade

Prof. dr Vesna Bogojević Arsić, redovni profesor, Fakultet organizacionih nauka, Beograd/ Tenured Professor, Faculty of Organizational Sciences, Belgrade

Prof. dr Tijana Obradović, vanredni profesor, Fakultet organizacionih nauka, Beograd/ Associate Professor, Faculty of Organizational Sciences, Belgrade

Prof. dr Vesna Aleksić, Institut ekonomskih nauka Beograd / Institute of Economic Sciences Belgrade

Dr Jelena Minović, Institut ekonomskih nauka Beograd / Institute of Economic Sciences Belgrade

Prof. dr Miloš Živković, Pravni fakultet Beograd / Faculty of Law Belgrade

Dr Aleksandra Mitrović, Fakultet za hotelijerstvo i turizam, Vrnjačka Banja / Faculty of Hotel Management and Tourism, Vrnjačka Banja

Prof. dr Mlađan Mrđan, EBS Business School, Wiesbaden

Prof. dr Marko Malović, Fakultet poslovne ekonomije, Univerzitet Educons Sremska Kamenica / Faculty of Business, Educons University S. Kamenica

Dr Milko Štimac, Konsultant za finansijska tržišta / Financial markets consultant

Dr Nataša Kožul, Samostalni ekspert i konsultant za investiciono Bankarstvo / Independent expert and investment banking consultant

Dr Miloš Janković, Ekspert za bankarsku i finansijsku regulaciju / Banking and financial regulation expert

Dr Miloš Vujnović, Finansijski konsultant / Financial consultant

Siniša Krneta, Beogradska berza / Belgrade Stock Exchange

Gordana Dostanić, AMS osiguranje / AMS Insurance

Dr Slađana Sredojević, Udruženje banaka Srbije / Association of Serbian Banks

Dr Milan Brković, Udruženje banaka Srbije / Association of Serbian Banks

Prof. dr Milena Ilić, Visoka škola strukovnih studija za informacione tehnologije ITS - Beograd / High School of Vocational Studies for Information Technology ITS - Belgrade

Dr Vesna Matić, Udruženje banaka Srbije, u penziji / Association of Serbian Banks, retired Svetlana Pantelić, Udruženje banaka Srbije, u penziji / Association of Serbian Banks, retired Dr Boško Mekinjić, Komercijalna banka a.d. Banja Luka, BiH

Prof. dr Džafer Alibegović, Ekonomski fakultet Sarajevo, BiH / Faculty of Economics Sarajevo, B&H

Prof. dr Slobodan Lakić, Ekonomski fakultet Podgorica, Crna Gora / Faculty of Economics Podgorica, Montenegro

Prof. dr Žarko Lazarević, Inštitut za novejšo zgodovino Ljubljana, Slovenija / Institute of Contemporary History Ljubljana, Slovenia

Dr Boštjan Ferk, Inštitut za javno-zasebno partnerstvo, Ljubljana, Slovenija / Institute for Public-Private Partnership, Ljubljana, Slovenia

Prof. dr János Száz, Institute for Training and Consulting in Banking, Budapest, Hungary

Andrei Radulescu, Banca Transilvania, Bucharest, Romania

Prof. Roger Claessens, R.J. Claessens & Partners, Luxembourg

Prof. dr Nikolay Nenovsky, CRIISEA, Université de Picardie Jules Verne, Amiens, France

Aaron Presnall, PhD, Jefferson Institute, Washington, USA

Prof. Kovács Levente, Faculty of Economics, University of Miskolc, Secretary General, Hungarian Banking Association

Redakcija/Editorial Office

Marina Kostadinović - Urednik 011 30 20 777

Sonja Grbić - Prevodilac i lektor za engleski jezik / Translator and English Proofreader

Vesna Milkova - Sekretar 011 30 20 541

Svi članci podležu dvema recenzijama / All articles are reviewed by two independent reviewers

52. godina izdanja /52nd Year of Publishing

SADRŽAJ

NARODNA BANKA SRBIJE

UDRUŽENJE BANAKA SRBIJE

ADDIKO BANK A.D. BEOGRAD

AIK BANKA A.D. BEOGRAD

ALTA BANKA A.D. BEOGRAD

API BANK A.D. BEOGRAD

BANCA INTESA A.D. BEOGRAD BANKA POŠTANSKA ŠTEDIONICA A.D. BEOGRAD

BANK OF CHINA SRBIJA A.D. BEOGRAD

EXPOBANK A.D. BEOGRAD

ERSTE BANK A.D. NOVI SAD

EUROBANK A.D. BEOGRAD

I u 2022. godini, koja je uz pandemiju donela nove geopolitičke tenzije i sukobe, uz veliku međunarodnu neizvesnost i dublju ekonomsku krizu, Narodna banka Srbije je, zahvaljujući pravovremenim i adekvatnim odlukama i merama, radeći na istom poslu sa predsednikom i Vladom Srbije, uspela da obezbedi i očuva upravo ono što je u takvim okolnostima najpotrebnije svakom pojedincu, banci, kompaniji, državi -stabilnost. Iako nam je posao bio dodatno otežan, bili smo u mogućnosti da reagujemo zahvaljujući izgrađenim mehanizmima odbrane i stvorenim rezervama. Devizne rezerve Srbije su dostigle rekordno visok nivo, a relativna stabilnost kursa dinara nijednog momenta nije bila dovedena u pitanje.

Uprkos višestrukim krizama, očuvali smo stabilnost i otpornost domaćeg bankarskog sektora. O tome svedoče i svi relevantni pokazatelji poslovanja banaka, koji su znatno iznad regulatornih zahteva Narodne banke Srbije, i istorijski najniži nivo učešća problematičnih kredita od 3 odsto. Međutim, ono što je još važnije od svih pokazatelja i što se ne menja jeste očuvano poverenje kao temelj bankarstva. Kada je reč o inflaciji kao globalnom problemu, naše mere su u skladu sa time što je veliki deo inflacije uSrbiji uvezen i vođen faktorima na strani ponude, zbog čega je naša reakcija bila postepena, ali kontinuirana. Ostvareni rezultati, kao i podrška koju dobijamo za naš rad, potvrda su odgovornosti i ispravnosti odluka nosilaca ekonomske politike u Srbiji, što nam daje dodatnu snagu i jača uverenje da ćemo se i ubuduće izboriti sa svim izazovima, radeći u najboljem interesu naših građana i države.

Naziv: Narodna banka Srbije

Adresa: Kralja Petra br. 12, Beograd

Vebsajt: www.nbs.rs

Narodna banka Srbije

Guverner Jorgovanka Tabaković: Odgovornim i proaktivnim delovanjem ublaženi efekti višedimenzionalne globalne krize

In 2022 again, which, along with the pandemic, brought new geopolitical tensions and conflicts, heightened international uncertainty and a deeper economic crisis, the National Bank of Serbia – working on the same task with the President and the Government of Serbia and thanks to timely and appropriate decisions and measures – managed to deliver and preserve what each individual, bank, company and the state need most in such circumstances –stability. While our job was made more difficult, we were able to respond appropriately owing to the buffers built in the prior period. Serbia’s FX reserves are at record highs, and the relative stability of the exchange rate of the dinar has not been threatened at any point in time.

Despite multiple crises, the stability and resilience of the domestic banking sector have been maintained. This is evidenced by all relevant bank performance indicators, which are well above the National Bank of Serbia’s regulatory requirements, and by the historically low NPLs (3%). However, what is even more important than all the indicators and what does not change is the preserved trust as the very foundation of banking. When it comes to inflation as a global problem, our measures are consistent with the fact that a large part of inflation in Serbia is imported and driven by factors on the supply side, which is why our response was gradual but continuous. The results achieved, as well as the support we receive for our work, are a confirmation of the responsibility and appropriateness of the decisions of Serbian economic policy makers, which gives us additional strength and reassurance that we will successfully fight all challenges in the future as well, working in the best interest of our citizens and our state.

Name: National Bank of Serbia

Address: Kralja Petra 12, Belgrade

Website: www.nbs.rs

National Bank of Serbia

Governor Jorgovanka Tabaković: Responsible and proactive measures mitigated the effects of a multidimensional global crisis

Bankarski sistem Srbije u 2022. godini još jednom je pokazao koliko je spreman da radi u okolnostima velikih promena, da se pritom i sam menja i unapređuje, zadržavajući najviši nivo profesionalnih standarda.

Banke su spremno reagovale na promenjene globalne uslove, na rizike izazvane usled prekida lanaca snabdevanja, kao i na upornu inflaciju koja se beleži na svim tržištima. Ne samo da su očuvale svoje poslovanje, već su i nastavile da budu velika podrška građanima i privredi u naporu da lakše savladaju globalnu krizu.

Bankarski sistem veoma je uspešan i u procesima vezanim za digitalizaciju, koja je značajno ubrzana tokom i posle pandemije kovida. Bankarstvo danas je već znatno drugačije nego pre samo nekoliko godina - neuporedive su brojke koje govore o elektronskom i mobilnom bankarstvu, o upotrebi kartica, novim tehnološkim rešenjima i aplikacijama. Opšti je zaključak da će ovaj proces u budućnosti biti brži i intenzivniji.

Mi u Udruženju banaka posebno smo zadovoljni što su se u svim ovim okolnostima, koje nisu bile lake, banke dokazale kao lider u delu društvene odgovornosti. Zajedno smo pokazali ne samo nesporan značaj bankarskog sistema za nacionalnu ekonomiju, već i spremnost da kao ljudi i profesionalci pomognemo tamo gde je potrebno, bilo da je reč o školovanju mladih, o finansijskoj edukaciji, zaštiti životne sredine ili o zaštiti nekih od nacionalnih vrednosti.

Bankarski sektor u Srbiji je i u 2022. godini, nakon trogodišnjeg perioda pojačanih globalnih izazova, očuvao stabilnost – bankarski sektor je i u godini za nama bio visoko likvidan i adekvatno kapitalizovan. Svojim dobrim poslovnim rezultatima banke u Srbiji danas donose sigurnost i daju pozitivan doprinos i društvu u celini.

Naziv: Udruženje banaka Srbije

Adresa: Bulevar kralja Aleksandra 86/II, 11000 Beograd

Vebsajt: www.ubs-asb.com

In 2022, the banking system of Serbia once again showed its readiness to withstand major changes, to adapt and improve itself, while maintaining the highest level of professional standards.

Banks readily reacted to the changed global conditions, to the risks caused by the disruption of supply chains, as well as to the persistent inflation recorded throughout all markets. Not only did they preserve their operations, but they also continued to be a great support to citizens and the economy in their efforts to overcome the global crisis more easily.

The banking system also proved itself to be successful in all processes related to digitalisation, which was significantly accelerated during and after the Covid pandemic. Banking today is already significantly different than just a few years ago - the numbers that speak of developments electronic and mobile banking, the use of cards, new technological solutions and applications are incomparable. The general conclusion is that this process will be faster and more intense in the future.

We at the Association of Serbian Banks are particularly pleased that in all these circumstances, which were not easy, the banks proved themselves as leaders in the field of social responsibility. Together, we have shown not only the indisputable importance of the banking system for the national economy, but also the willingness to help people and professionals where needed, whether it is youth education, financial education, environmental protection or the protection of national values.

The banking sector in Serbia maintained its stability in 2022, after a three-year period of intensified global challenges - the banking sector was also highly liquid and adequately capitalized in the year behind us. With their good business results, the banks in Serbia continue to bring security and make a positive contribution to society as a whole.

Name: Association of Serbian Banks

Address: 86/II Kralja Aleksandra Blvd. 11000 Belgrade

Website: www.ubs-asb.com

Addiko banka, kao deo Addiko Grupe predstavlja međunarodnu finansijsku grupaciju specijalizovanu za poslove sa stanovništvom i malim i srednjim preduzećima u Centralnoj i Jugoistočnoj Evropi. Grupa se sastoji od Addiko Bank AG, glavne matične firme sa sedištem u Beču, i šest banaka subsidijara u pet država regiona. Nakon uspešnog izlaska na berzu i kroz inovativnu ponudu, Addiko banka čvrsto utemeljuje svoju poziciju specijalizovane banke sa fokusom na rast poslovanja sa građanstvom, kreditiranje malih i srednjih preduzeća i moderno digitalno bankarstvo.

Addiko banka kontinuirano razvija i prilagođava svoje usluge kako bi bila u koraku sa savremenim zahtevima klijenata, posebno u segmentu digitalizacije bankarskih proizvoda. Kroz inovativan pristup, Addiko banka je među prvim bankama uSrbiji ponudila širok spektar visokokvalitetnih digitalnih proizvoda, kako pojedincima, tako i pravnim licima.

Sa dobro postavljenom mrežom od 197 ekspozitura i modernim digitalnim bankarstvom, Addiko Grupa omogućava pružanje usluga za više od 828 hiljada klijenata kontinuirano primenjujući svoju strategiju, specijalizovane banke, što dodatno potvrđuje predanost u kvalitetnom i efikasnom poslovanju.

Jednostavnost i pouzdanost su ključne karakteristike procesa rada banke sa klijentima, pružajući tako i stanovništvu i privredi mogućnost da u što kraćem roku ostvare svoje finansijske ciljeve.

Addiko banka će i u narednom periodu nastaviti da posluje kao moderna i digitalna banka specijalizovana za keš kredite, ali i aktivno posvećena promociji kulture štednje i odgovornog upravljanja sredstvima svih svojih klijenata.

Naziv: Addiko bank a.d. Beograd

Adresa: Milutina Milankovića 7v, Novi Beograd

Vebsajt: www.addiko.rs

Addiko banka, as part of Addiko Group, represents an international financial group specialized in dealings with households and small and medium-sized enterprises in Central and Southeastern Europe. The group consists of Addiko Bank AG, the main parent company headquartered in Vienna, and six subsidiary banks in five countries of the region. After a successful listing on the stock market and through an innovative offer, Addiko bank firmly establishes its position as a specialized bank with a focus on the growth of business with citizens, lending to small and mediumsized enterprises and modern digital banking.

Addiko Bank continuously develops and adapts its services in order to keep up with the modern demands of clients, especially in the segment of digitization of banking products. Through an innovative approach, Addiko Bank was among the first banks in Serbia to offer a wide range of high-quality digital products to both individuals and legal entities.

With a well-established network of 197 branches and modern digital banking, Addiko Group enables the provision of services to more than 828,000 clients by continuously applying its strategy as a specialized bank, which further confirms its commitment to quality and efficient operations.

Simplicity and reliability are the key features of the bank‘s work process with clients, thus providing the population and the economy with the opportunity to achieve their financial goals in the shortest possible time.

In the coming period, Addiko Bank will continue to operate as a modern and digital bank specializing in cash loans, but also actively dedicated to promoting the culture of savings and responsible management of funds of all its clients.

Name: Addiko bank a.d. Beograd

Address: Milutina Milankovića 7v, Novi Beograd

Website: www.addiko.rs

Addiko bank a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala

(Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu

(Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

AIK Banka je jedna od vodećih banaka u Srbiji sa sedištem uBeogradu i tradicijom dugom 45 godina. 2019. godine postaje prva banka iz Srbije koja je iskoračila na tržište Evropske unije. Jedna je od vodećih finansijskih institucija uregionu, sa kompletnom ponudom finansijskih rešenja za privredu i stanovništvo, naprednim digitalnim proizvodima i širokom mrežom filijala.

Prateći globalne trendove u bankarstvu nastoji da svojim klijentima kontinuirano pruža inovativne usluge i proizvode čime je svoj fokus usmerila ka digitalnom okruženju, omogućavajući najsavremenije korisničko iskustvo i korišćenje bankarskih usluga kroz AIK Online platformu

Bez odlaska u filijalu Banke, brzo i jednostavno uz pomoć računara ili mobilnog telefona, klijenti mogu otvoriti račun, dobiti kredit ili platnu karticu, vršiti plaćanja i prenos sredstava bez naknade, konvertovati valute, oročiti sredstva i koristiti različite štedne proizvode.

Naziv: AIK Banka a.d. Beograd

Adresa: Bulevar Mihajla Pupina 115đ

Vebsajt: www.aikbanka.rs

AIK banka a.d. Beograd

AIK Banka is one of the leading banks in Serbia, with its headquarters in Belgrade and a 45-year long tradition. Back in 2019, it became the first bank from Serbia to enter the EU market. It is one of the leading financial institutions in the region, with a complete range of financial solutions for legal entities and private individuals, a wide network of branches and advanced digital products.

Following the global trends in banking, AIK Banka strives to continuously offer innovative services and products to its clients, which is why it directed its focus towards the digital environment, enabling contemporary customer experience and use of banking services through AIK Online platform.

Without going to the Bank‘s branch, in a swift and easy way, by using their computer or mobile phone, clients can open an account, get a credit or debit card, make payments and transfer funds free of charge, convert currencies, open TDAs and many more savings products.

Name: AIK Banka a.d. Beograd

Address: Bulevar Mihajla Pupina 115đ

Website: www.aikbanka.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala

(Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu

(Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrala + 50 filijala

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Od svog osnivanja, Alta Banka je postala sinonim za kvalitetne usluge, inovativna rešenja i posvećenu podršku svojim klijentima. Sa bogatom istorijom izgradnje snažnih finansijskih temelja, banka je stekla reputaciju kao pouzdan partner u ostvarivanju finansijskih ciljeva.

Tokom 44 godine, ALTA Banka je bila ključni igrač u podržavanju lokalne ekonomije, pružajući širok spektar proizvoda i usluga koji su prilagođeni potrebama klijenata. Banka se ponosi svojim dostignućima u oblastima kao što su kreditiranje, štednja, investicioni proizvodi, digitalne usluge i korporativno bankarstvo.

Poseban benefit, koji klijenti ALTA Banke imaju je mogućnost brze, lake i široke dostupnosti, kako proizvoda,

tako i usluga koje sadašnji i budući klijenti mogu dobiti u filijalama banke, koje brojčano postaju veće, jer je u pripremi otvaranje i drugih filijala na atraktivnim lokacijama. U okviru ALTA Banke posluje i platna institucija Alta Pay, sa više od 2.500 lokacija na teritoriji Republike Srbije.

ALTA Banka ostaje posvećena unapređenju svojih usluga, ulaganju u digitalne tehnologije i razvoju novih rešenja, kako bi zadovoljila potrebe sve zahtevnijeg tržišta.

Sa vizionarskim pogledom u budućnost, banka se fokusira na održavanje koraka sa tehnološkim inovacijama i pružanje personalizovanih rešenja koja klijenti očekuju. Cilj nam je da i u narednim decenijama ostanemo na vodećoj poziciji u pružanju bankarskih usluga.

Naziv: ALTA Banka a.d. BEOGRAD

Adresa: Bulevar Zorana Đinđića 121, 11070 Novi Beograd

Vebsajt: www.altabanka.rs

Alta banka a.d. Beograd

Since its establishment, ALTA Bank has become a synonym for quality services, innovative solutions, and dedicated support to its clients. With a rich history of building strong financial foundations, the Bank has earned a reputation as a reliable partner in achieving financial goals.

For 44 years, ALTA Bank has been a key player in supporting the local economy, providing a wide range of products and services adjusted to the needs of clients. The Bank prides itself on its achievements in areas such as lending, savings, investment products, digital services, and corporate banking.

AspecialbenefitthatclientsofALTABankhaveisthepossibility of quick, easy, and wide availability of both products and services. Current and future clients can get these services in thebank‘sbranches,whichareincreasinginnumber,asweareopeningmorebranchesinseveral attractivelocations.

The payment institution Alta Pay also operates within ALTA Bank, with more than 2,500 locations on the territory of the Republic of Serbia. ALTA Bank remains committed to improving its services, investing in digital technologies, and developing new solutions to meet the needs of an increasingly demanding market.

With a visionary view of the future, the Bank focuses on keeping up with technological innovations and providing personalized solutions that clients expect. Our goal is to remain in the leading position in the provision of banking services over the coming decades.

Name: ALTA Banka a.d. BEOGRAD

Address: Bulevar Zorana Đinđića 121, 11070 Novi Beograd

Website: www.altabanka.rs

Alta banka a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrala banke + 5 ekspozitura

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

API Bank a.d. Beograd je mala banka u potpunom vlasništvu srpske kompanije AZRS INVEST d.o.o. Banka svoj ključ uspeha vidi u postepenom kreiranju poslovnog modela koji nudi personalizovana rešenja za svoje klijente, omogu ć avaju ć i im da prepoznaju prednosti manjeg igrača u poređenju sa tržišnim divovima.

Fleksibilnost i dinamika poslovanja, pra ć enje promena utehnologiji i regulativi, kao i održavanje stabilnosti upravljanja rizicima su ključni prioriteti za razvoj naše Banke. Digitalno okruženje u kom živimo i ka kom je Banka usmerena, odražava našu viziju budu ć nosti i simbolizuje stalni rast i razvoj, kako u tehnološkom, tako i u organskom smislu.

API Banka će nastaviti da formira portfolio kredita i bankarskih usluga za srpske kompanije, sa akcentom na individualnom pristupu svakom klijentu uz visoko profesionalnu, ekspertsku kompetentnost svakog člana tima i jasno razumevanje operativnog tržišta. Fizičkim licima, pružamo podjednako izvanredan nivo usluga i visok kvalitet samog poslovanja pored širokog spektra najpotrebnijih usluga.

Takođe smo otvoreni za nerezidentne klijente koji imaju mogućnost dobijanja usluga na više jezika, zahvaljujući našem edukovanom i profesionalnom timu stručnjaka.

Naziv: API Bank A.D. Beograd

Adresa:, Bulevar vojvode Bojovića 6-8, Beograd

Vebsajt: www.apibank.rs

API Bank a.d. Beograd

API Bank JSC Belgrade is a small bank fully owned by the Serbian company AZRS INVEST Ltd. The Bank sees its key to success in the gradual creation of a business model that offers personalized solutions for its clients, allowing them to recognize the advantages of a smaller player compared to market giants.

Flexibility and dynamics of business, following changes in technology and regulation, as well as maintaining the stability of risk management are key priorities for the development of our Bank. The digital environment in which we live and towards which the Bank is directed, reflects our vision of the future, and symbolizes constant growth and development, both in technological and in organic terms.

API Bank will continue to form a portfolio of loans and banking services for Serbian companies, with an emphasis on an individual approach to each client with highly professional, expert competence of each team member and a clear understanding of the operating market. For private individuals, we provide an equally outstanding level of services and high quality of the business itself, in addition to a wide range of the most needed services.

We are also open to non-resident clients who have the possibility of receiving services in multiple languages, due to our educated and professional team of experts.

Name: API Bank A.D. Beograd

Address: Bulevar vojvode Bojovića 6-8, Beograd

Website: www.apibank.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

1 Centrala 3 filijale

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Gradeći svoj poslovni uspeh na modelu univerzalne bankarske institucije, Banca Intesa, deo internacionalne bankarske grupacije Intesa Sanpaolo, već duže od 15 godina zauzima vodeću poziciju na tržištu Srbije, predvodeći listu najuspešnijih banaka u pogledu ključnih pokazatelja uspešnosti poslovanja. O poslovnom uspehu banke svedoči poverenje koje joj ukazuje 1,35 miliona klijenata, kao i brojne međunarodne nagrade koje su joj tokom godina dodelili vodeći časopisi u oblasti finansija i bankarstva The Banker, Euromoney i Global Finance.

Zahvaljujući spoju bogatog globalnog iskustva i najboljih internacionalnih praksi Intesa Sanpaolo sa jedne, te lokalne ekspertize i uvida u specifičnosti domaćeg tržišta sa druge strane, Banca Intesa građanima i privredi stavlja na raspolaganje sveobuhvatnu ponudu modernih proizvoda, uslugu vrhunskog kvaliteta i jedinstvenu kombinaciju fizičkog i digitalnog prisustva. Idući u korak sa ubrzanim tehnološkim razvojem i izmenjenim navikama i potrebama klijenata, banka je kreirala digitalni ekosistem koji spaja njenu digitalnu platformu, poslovnu mrežu i internet portal, pružajući klijentima konzistentno iskustvo na svim tačkama kontakta. I pored ekstenzivne digitalizacije, Banca Intesa kontinuirano unapređuje svoju poslovnu mrežu od 146 ekspozitura kroz transformaciju servisnog modela koja jača njenu savetodavnu ulogu i obezbeđuje izuzetno korisničko iskustvo.

Uvažavajući svoju ulogu u pružanju podrške tranziciji ka zelenoj ekonomiji i promociji inkluzivnog rasta, Banca Intesa je integrisala ESG principe u svoje poslovne procese, politike i proizvode. Na ovaj način, banka teži da doprinese rešavanju aktuelnih društvenih i ekoloških izazova, osnaži održivost i otpornost sopstvenog poslovnog modela i generiše još veću vrednost za sve zainteresovane strane - svoje akcionare, klijente, zaposlene, životnu sredinu i zajednicu u kojoj posluje.

Naziv: Banca Intesa a.d. Beograd

Adresa: Milentija Popovića 7b, Novi Beograd

Vebsajt: www.bancaintesa.rs

Banca Intesa a.d. Beograd

Building its business success on the model of a universal banking institution, Banca Intesa, part of international group Intesa Sanpaolo, has been at the forefront of the Serbian market for more than 15 years, leading the list of the most successful banks by key performance indicators. The bank‘s business success is evidenced by the trust of its 1.35 million clients, as well as numerous international awards it has received over the years from leading finance and banking magazines The Banker, Euromoney and Global Finance.

Owing to the combination of rich global experience and the best international practices of Intesa Sanpaolo on one hand, and local expertise and insight into the specifics of the domestic market on the other, Banca Intesa provides households and businesses with a comprehensive offer of modern products, top quality service and a unique combination of physical and digital presence. Keeping up with the accelerated technological development and changes in the habits and needs of its clients, the bank has created a digital ecosystem that combines its digital platform, business network and internet portal, providing clients with consistent experience across all touchpoints. In addition to extensive digitalization, Banca Intesa is continuously improving its business network of 146 branches through the transformation of the service model that strengthens its advisory role and provides clients with exceptional experience.

Acknowledging its role in supporting the transition to a green economy and promoting inclusive growth, Banca Intesa has integrated ESG principles into its business processes, policies and products. In this way, the bank strives to contribute to solving current social and environmental challenges, strengthen the sustainability and resilience of its own business model and generate even greater value for all stakeholders -its shareholders, customers, employees, the environment and the community in which it operates.

Name: Banca Intesa a.d. Beograd

Address: Milentija Popovića 7b, Novi Beograd

Website: www.bancaintesa.rs

Banca Intesa a.d. Beograd

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

za poziciju Ukupni kapital uzeti iz Bilansa stanja

17,30%

1,9%

13,7%

Centrala, 4 regionalna centra, 146 ekspozitura, uključujući 4 Intesa Casa centra za stambene kredite i 12 kancelarija za stambene kredite, 4 Intesa Farmer centra i 28 Intesa Farmer kancelarija

*Podatke

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

Head office, 4 regional centres, 146 branch offices including 4 Intesa Casa centres for housing loans and 12 offices for housing loans, 4 Intesa Farmer centres and 28 Intesa Farmer offices

*The data for the Total Capital field should be copied from the Balance Sheet

Za Banku Poštanska štedionica 2022. godina je, iako veoma dinamična i izazovna, bila još jedna uspešna godina. Ozbiljno se suočivši sa svim preprekama, kako bi brzo uočavala i reagovala na promene na tržištu, Banka je šestu godinu uzastopno ostvarila pozitivne rezultate, stabilne pokazatelje profitabilnosti i nastavila dinamičan organski rast bilansne sume.

Posmatrajući celokupno poslovanje, Banka Poštanska štedionica je u prethodnom periodu učvrstila poziciju državne banke na bankarskom tržištu, sprovela sve državne projekte u skladu sa zadatim, bila konkurentna i aktivna na finansijskom tržištu, podigla na viši nivo sve svoje funkcionalnosti i stvorila dobru osnovicu za dalje unapređenje poslovanja i razvoja.

Istovremeno, kao društveno odgovorna, Banka nije usmerena samo na ostvarivanje profita, već ulaže napore da bude oslonac i podrška razvoju društva kroz ulaganja u prosvetu, zdravstvo, kulturu i sport. Posebno smo ponosni na petogodišnje sponzorstvo Odbojkaškog saveza Srbije, nacionalnih odbojkaških reprezentacija, svih klupskih liga i razvoja odbojke u Srbiji.

Banka je u prethodnim godinama uzela učešće u procesu konsolidacije domaćeg bankarskog tržišta. Uvrštena je u sistemski značajne banke u Republici Srbiji. Na osnovu svoje stabilne vlasničke strukture i diversifikovanog portfolija klijenata na području Srbije, kao i uspešne akvizicije izvan Srbije, Banka Poštanska štedionica će nastojati da u narednom periodu unapredi i proširi svoje poslovanje u zemlji i okruženju, prihvatanjem i implementiranjem savremenih bankarskih trendova, kako u prodajnom core business segmentu, tako i u sferi efikasnog upravljanja kreditnim rizicima kojima je Banka izložena u svakodnevnom poslovanju. Pomoću tih alata, u narednom periodu očekujemo dalje uvećanje portfolija Banke i ostvarenje njenih strateških prioriteta i ciljeva.

Naziv: Banka Poštanska štedionica a.d. Beograd

Adresa: Kraljice Marije 3, Beograd

Vebsajt: www.posted.co.rs

Banka Poštanska štedionica

Although very dynamic and challenging, the year 2022 was yet another successful year for the Postal Savings Bank (PSB). Having committedly dealt with all obstacles, in order to quickly perceive and react to changes in the market, the Bank achieved positive results and stable profitability indicators, and it continued its dynamic organic growth of the balance sheet sum for six consecutive years.

Taking all into consideration the entirety of its operations, PSB has strenghtened its position as a state-owned bank in the banking market, implemented all state projects in accordance with the goals set, was competitive and active in the financial market, raised all its functionalities to a higher level, and created a good foundation for further business improvement and development.

At the same time, as a socially responsible institution, the Bank was not focused only on generating profit but it also made efforts to be a foothold and support to the development of society through investing in education, health care, culture and sport. We are especially proud of the five-year sponsorship of the Volleyball Association of Serbia, national volleyball teams, all club leagues, and the development of volleyball in Serbia.

In the previous period, the Bank had taken part in the process of consolidation of the domestic banking market. It was also included in the list of sistematically significant banks in Serbia Based on its stable ownership structure and diversified clients’ portfolio on the territory of Serbia, as well as the successful acquisition outside Serbia, Postal Savings Bank will strive in the forthcoming period to improve and expand its operations both in the country and in the surrounding region by adopting and implementing contemporary banking trends both in the sales core business segment and in the sphere of efficient management of credit risks to which the Bank is exposed in its daily operations. We expect that the Bank will further increase its portfolio and achieve its strategic priorities and goals in the forthcoming period by using these tools.

Name: Postal Savings Bank a.d. Belgrade

Address: Kraljice Marije 3, Belgrade

Website: www.posted.co.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

16,3%

1,0%

13,7%

Centrala

7 regionalnih centara

24 filijale

164 ekspoziture

41 samostalni šalter

banke

Poštanska štedionica a.d. Beograd

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Bank of China Srbija a.d Beograd osnovana je u decembru 2016. godine u Beogradu. To je prva banka finansirana iz Kine koja posluje u regionu Balkana Bank of China Srbija svojim klijentima pruža sveobuhvatna poslovna rešenja i posvećena je unapređivanju ekonomskog i društvenog razvoja Srbije i regiona Balkana, poštujući osnovne vrednosti Bank of China: pružanje odlične usluge, inovacija i razboritost, podržavanje otvorenosti i inkluzivnosti,saradnjazaradzajedničkograsta

U 2022. godini neto profit nakon oporezivanja dostigao je 5,58 miliona USD, pokazujući rast od 605% u odnosu na prethodnu godinu. Razni depoziti Banke iznosili su oko 408 miliona evra, a iznos kredita u otplati je oko 670 miliona evra. Otvoreno je 108 računa pravnih lica sa 377 podračuna.

U skladu sa strategijom ,,Dualno čvorište, dualna baza“ (eng. „Dual-Hub, Dual-Base“), uloženi su napori da se svesrdno podrže preduzeća finansirana iz Kine, multinacionalne kompanije i lokalne kompanije. Fokus Banke je na proširenju svoje poslovne aktive i da postane vodeći agent za sindiciranje na lokalnom nivou. Iskorišćene su mogućnosti u energetskoj transformaciji i zelenim finansijskim uslugama, a uzet je u obzirirastućitrendekonomskeidiplomatskesaradnjeizmeđuKineiregionaBalkana,kaoidiverzifikacija industrijskestrukture,kakobisekontinuiranopovećavalavisokokvalitetnaaktiva.Bankatakođeimazacilj da podrži kvalitetna mala i srednja preduzeća, ojača domaće i inostrane veze, optimizuje prekogranične finansijske usluge i podrži opšte ciljeve inicijative ,,Pojas i put“ (eng. „Belt and Road“). Uporedno su strogo kontrolisani kreditni rizici i održavani limiti rizika.

Naziv banke:Bank of China Srbija a.d Beograd

Adresa: Bulevar Zorana Đinđića 2a, Beograd

Vebsajt: www.bankofchina.com

Bank of China Srbija a.d. Beograd

Bank of China Srbija a.d Beograd was established in December 2016 in Belgrade. It is the first Chinese-funded bank to operate in the Balkan region. Bank of China Serbia provides comprehensive business solutions to its clients and is committed to serving the economic and social development of Serbia and the Balkan region, adhering to the core values of Bank of China: Provide Excellent Service, Innovate with Prudence, Uphold Openness and Inclusiveness, Collaborate for Mutual Growth.

In 2022, the net profit after tax reached 5.58 million USD, showing a year-on-year growth of 605%. The various deposits of clients in the Bank amounted to approximately 408millioneuros,andtheoutstanding loansamountedto around 670 million euros. One hundred and eight corporateaccountswereopenedwith377sub-accounts.

In line with the „Dual-Hub, Dual-Base“ strategy, efforts were made to vigorously support Chinesefunded enterprises, multinational companies, and local companies. The focus of the Bank is on expanding its asset business and becoming the lead syndicated agent bank, locally. Opportunities in energy transformation and green financial services were seized, and the increasing trend of economic and diplomatic cooperation between China and the Balkan region, as well as the diversification of industrial structure, were taken into account to continuously expand the scale of high-quality assets. The bank also aims to support high-quality small and medium-sized enterprises, strengthen domestic and foreign links, optimize cross-border financial services, and serve the overall goals of the „Belt and Road“ initiative. At the same time, credit risks were strictly controlled, and risk limits were maintained.

Name:BankofChinaSerbiaa.dBelgrade

Address:ZoranaĐinđićaBlvd.2a,Belgrade Website:www.bankofchina.com

Bank of China Serbia a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala

(Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu

(Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital

(Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara Iznos u milionima EUR

Bank of China Srbija a.d. Beograd

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Bank of China Serbia a.d. Belgrade

Expobanka a.d. Beograd završila je 2022. godinu sa pozitivnim poslovnim neto rezultatom u iznosu od 18 miliona dinara. Osnovni zadaci koji su se odnosili na rast profitabilnosti i likvidnosti Banke su ostvareni. Kao strateški cilj Banka je zadržala visok nivo likvidnosti i pokazatelj adekvatnosti kapitala koji su sa stanjem na dan 31.12.2022. godine iznosili 3,65% i 27,95% respektivno. Tokom 2022. godine nastavili smo sa poslovnom filozofijom da budemo finansijski konsultant i partner našim klijentima. Postojeći klijenti su ostali sa nama, a tokom 2022. godine Banka je stekla nove klijente, koji su takođe bili zadovoljni našim rešenjima.

U godini iza nas nove geopolitičke okolnosti i pritisci koji su one donosile, doprineli su mobilizaciji svih raspoloživih resursa Banke sa ciljem prilagođavanju novim uslovima okruženja i poslovanja. Stručnost i otvorenost poslovnog tima Banke ka novim znanjima i veštinama, u novonastalim okolnostima, doprineli su širenju sfere poslovanja Banke, što se najbolje ogleda u rastu broja zadovoljnih klijenata.

Strateški ciljevi Banke u narednom period su širenje mreže korespondentskih banaka, unapređenje klijentske baze, prilagođavanje proizvoda potrebama klijenata i digitalizacija.

Naziv banke: Expobank a.d. Beograd

Adresa: Dalmatinska 22, 11000 Beograd

Vebsajt: www.expobank.rs

Expobank a.d. Beograd

Expobank a.d. Belgrade ended the year 2022 with a positive net result in the amount of RSD 18 million. The basic tasks related to the growth of profitability and liquidity of the Bank have been achieved. As a strategic goal, the Bank has maintained a high level of liquidity and an indicator of capital adequacy, which, as of 31 December 2022 amounted to 3.65% and 27.95%, respectively. During 2022, we continued with the business philosophy of being a financial consultant and partner to our clients. Existing clients stayed with us, and during 2022 the Bank acquired new clients, who were also satisfied with our solutions. In the year behind us, new geopolitical circumstances and the pressures they brought,

contributed to the mobilization of all available resources of the Bank with the aim of adapting to new environmental and business conditions. The expertise and openness of the Bank‘s business team towards new knowledge and skills, in the newly created circumstances, contributed to the expansion of the Bank‘s business sphere, which is best reflected in the growth of the number of satisfied clients. The Bank‘s strategic goals in the coming period are expanding the network of correspondent banks, improving the client base, and adapting products to client needs and digitalization.

Name: Expobank a.d. Beograd

Address: Dalmatinska 22, 11000 Beograd

Website: www.expobank.rs

Expobank a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrala + 5 filijala + 1 šalter

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Erste Banka Srbija je najstarija finansijska institucija u zemlji, osnovana 1864. godine kao prva štedionica (Novosadska štedionica). Tokom 2005. godine, Novosadska banka je postala članica Erste Grupe, koja je pak osnovana 1819. godine kao prva štedionica u Austriji. Naš fokus je na poslovanju sa stanovništvom, lokalnim zajednicama i malim i srednjim preduzećima. Insistiramo na brzini i kvalitetu usluga, i na taj način doprinosimo stabilnom i zdravom rastu naših klijenata. Naše poslovanje počiva na tri cilja: poboljšanju finansijskog zdravlja naših zaposlenih, klijenata i društva; želji da budemo najbolji po iskustvu klijenata, kao i na tome da gradimo efikasnu i digitalnu banku zasnovanu na podacima.

Iza nas je još jedna godina u kojoj smo ostvarili uspešne poslovne rezultate. Podržavajući naše klijente uostvarenju njihovih težnji, ujedno gradimo dobar model poslovanja baziran na stvaranju vrednosti, značajan ne samo za naše klijente, već i za celokupno društvo. Kao finansijska institucija, imamo odgovornost da podržimo i osnažimo građane kroz finansijsko opismenjavanje, kako bi mogli da preuzmu kontrolu nad svojom finansijskom budućnošću. Težimo tome da rastemo zajedno sa tržištem, da kontinuirano unapređujemo proizvode i usluge, da ih učinimo što jednostavnijim za korišćenje i što dostupnijim putem svih raspoloživih tradicionalnih i digitalnih kanala.

Naziv: Erste Bank a.d. Novi Sad

Adresa: Bulevar oslobođenja 5, Novi Sad

Vebsajt: www.erstebank.rs

Erste Banka Srbija a.d. Novi Sad

Erste Bank Serbia is the oldest financial institution in the country, founded in 1864 as the first savings bank (Novosadska štedionica). In 2005, Novosadska Banka became a member of Erste Group, which was founded in 1819 as the first savings bank in Austria. Our focus is on doing business with individuals, local communities and small and medium-sized enterprises. We insist on the speed and quality of services, thereby contributing to the stable and healthy growth of our clients. Our business is based on three goals: improving the financial health of our employees, customers and society; the desire to be the best in terms of customer experience, and to build an efficient and data-rich digital bank.

Another successful year is behind us. By supporting our clients in realizing their aspirations, we are also building a good business model based on value creation, significant not only for our clients, but also for the entire society. As a financial institution, we have the responsibility to support and empower citizens through financial literacy, so that they can take control of their financial future. We strive to grow together with the market, to continuously improve products and services and to make them as easy to use and as accessible as possible through all available traditional and digital channels.

Name: Erste Bank a.d. Novi Sad

Address: Bulevar oslobođenja 5, Novi Sad

Website: www.erstebank.rs

Erste Banka Serbia a.d. Novi Sad

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrale: 2

Filijale: 87

Regionalni centri: 5

Iznos u milionima dinara Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Eurobank Direktna predstavlja jednu od najsnažnijih finansijskih organizacija u zemlji sa ukupnom aktivom od 2,5 milijarde evra (na dan 31.12.2022). Kao jedan od lidera na bankarskom tržištu, Eurobank Direktna svojim klijentima nudi širok dijapazon standardnih i inovativnih proizvoda i usluga kroz rasprostranjenu mrežu ekspozitura i centara za rad sa privredom na ključnim poslovnim, istorijskim i kulturnim lokacijama.

Tokom 2022. godine, Eurobank Direktna nastavila je sa digitalnom transformacijom kroz razvoj inovativnih platnih rešenja i korisničkih e-platformi. Prva na domaćem tržištu, Eurobank Direktna ponudila je EuroPOS aplikaciju za bezgotovinsko plaćanje putem IPS QR koda na mobilnim i PDA uređajima. Takođe, savremenom aplikacijom EuroDirektFx, svojim korisnicima pravnim licima, Banka je omogućila direktan uvid u finansijsko tržište deviza i trgovinu valutama na digitalnoj platformi.

Korporativna društvena odgovornost je integralni deo strategije poslovanja Banke. U 2022. godini nastavljen je projekat „Škola kao nacrtana za Vas“, koji Eurobank Direktna realizuje uz podršku Ministarstva prosvete, a četiri kabineta u srednjim ekonomskim školama širom Srbije opremljena su novom IT opremom u ukupnoj vrednosti od 1,8 miliona dinara.

Eurobank Direktna nagrađena je priznanjem za aktivan doprinos ispunjavanju ciljeva održivog razvoja i podršku kampanji „Spasimo hranu, spasimo humanost“ od strane Foruma za odgovorno poslovanje, a ova inicijativa takodje je prepoznata od strane Koalicije za dobročinstvo.

Naziv: Eurobank Direktna a.d. Beograd

Adresa: Vuka Karadžića 10, Beograd

Vebsajt: www.eurobank-direktna.rs

Eurobank Direktna a.d. Beograd

Eurobank Direktna is one of the leading financial institutions in the Serbian market with the total assets of EUR 2.5 billion (as of 31/12/2022). As one of the leaders in banking market, Eurobank Direktna offers to its clients a comprehensive portfolio of traditional and innovative products and services via their country-wide branch network and corporate banking centres in key business, historical and cultural locations.

During 2022, Eurobank Direktna continued its digital transformation through the development of innovative payment solutions and user e-platforms. The first on the domestic market, Eurobank Direktna offered the EuroPOS application for cashless payments via IPS QR code on mobile and PDA devices. Also, with the modern application EuroDirektFx, the Bank has provided its users, legal entities, with direct insight into the foreign exchange financial market and currency trading on a digital platform.

Corporate social responsibility is an integral part of the Bank’s business strategy. In 2022, the project “A School Designed for You” was successfully continued by Eurobank Direktna with the support of the Ministry of Education as classrooms in four high schools were furnished with brand new IT equipment worth RSD 1.8 million.

For the support to the campaign “Save food, Save humanity“, the Bank received the recognition of the Responsible Business Forum for the exceptional contribution to sustainable development goals for 2022, and this initiative was also recognized by the Charity Coalition.

Name: Eurobank Direktna a.d. Belgrade

Address: Vuka Karadžića 10, Belgrade

Website: www.eurobank-direktna.rs

Eurobank Direktna a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

1 centrala 95 filijala i 4 poslovna centra

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Direktna a.d. Belgrade

Halkbank a.d. Beograd svoje poslovanje na teritoriji Republike Srbije započela je 2015. godine, od kada neprestano radi na širenju mreže poslovnica i bankomata, a sve sa ciljem što veće dostupnosti klijentima. Od trenutka kada je zakoračila na bankarsko tržište Srbije, Banka se trudi da klijentima obezbedi neophodnu finansijsku podršku kroz različite vrste kreditnih i štednih proizvoda, kao i da pruži visok kvalitet usluge uz napredne opcije.

U novembru 2022. godine, uspešno je sprovedena dokapitalizacija uiznosu od 50 miliona EUR, tako da je kapital Banke dostigao vrednost od 180 miliona EUR.

Prateći tehnološke trendove, klijentima Banke omogućene su brojne inovativne usluge. Beskontaktno plaćanje putem mobilnih telefona i pametnih satova obeležilo je 2022. godinu. Svim klijentima Banke na raspolaganju su i unapređene aplikacije SmartHALK eBanking i mBanking za fizička lica, kao i SmartHALK Pro eBanking i mBanking za pravna lica.

Uspešno je realizovana kampanja za „Halk paket po Vašoj meri“ za fizička lica, a u okviru kojeg su objedinjeni gotovinski krediti, krediti za refinansiranje, paketi tekućih računa, kao i kreditna kartica po posebnim uslovima.

U segmentu privrede nastavljena je saradnja sa Srpskom fondacijom za preduzetništvo (SEF) na projektu kredita za održavanje likvidnosti i obrtna sredstva usmerenih ka mladim preduzećima i poljoprivrednim gazdinstvima. Posebno se ističe linija SEF start up kojom HALKBANK podržava tek osnovane firme, što je čini jedinstvenom na tržištu.

Šireći svoju poslovnu mrežu, HALKBANK a.d. Beograd je tokom 2022. godine otvorila ekspozituru u Preševu, kao i filijale u Vranju i Sremskoj Mitrovici.

U fokusu Banke će uvek biti klijenti i zaposleni, stvaranje novih i održavanje postojećih partnerskih odnosa, kao i uspešno sprovođenje poslovne politike. Banka će nastaviti da radi na omogućavanju i unapređenju brojnih inovativnih proizvoda i usluga, a sve sa ciljem odgovora na potrebe klijenata.

Naziv: Halkbank a.d. Beograd

Adresa: Milutina Milankovića 9e, Novi Beograd

Vebsajt: www.halkbank.rs

Halkbank a.d. Beograd

Halkbank a.d. Beograd has started doing business on the territory of Serbia in 2015, and has since been constantly working on expanding the network of branches and ATM’s, with the aim of being even more available to clients. From the moment it entered the banking market of Serbia, the Bank has been endeavouring to provide clients with the necessary financial support through different kinds of loan and saving products, as well as to provide high quality of service with innovative options.

In November 2022 a recapitalization in amount of EUR 50 million has been successfully done, so the capital of the Bank has reached the value of EUR 180 million.

Following the technological trends, the Bank’s clients are provided with numerous innovative services. Contactless payment via mobile phones and smart watches has marked the year 2022. All clients of the Bank have at their disposal the improved applications SmartHALK eBanking and mBanking for retail, as well as SmartHALK Pro eBanking and mBanking for legal entities.

The campaign for the “Halk Package Tailored for You” for retail was successfully implemented, which included cash loans, refinancing loans, current account packages, as well as a credit card under special conditions

In the business segment, cooperation with the Serbian Foundation for Entrepreneurship (SEF) has continued on the project of loans for maintaining liquidity and current assets, aimed towards young companies and agricultural farms. Line of SEF start up loans, with which HALKBANK supports newly established companies, stands out in particular and makes it unique on the market.

Expanding the business network, HALKBANK a.d. Beograd has during the 2022 opened a subbranch in Preševo, as well as branches in Vranje and Sremska Mitrovica.

The focus of the Bank will always be its clients and employees, creating new and maintaining existing partner relations, as well as the successful implementation of business policy. The Bank will continue to work on enabling and improving the numerous innovative products and services, all with the aim of responding to the needs of clients.

Name: Halkbank a.d. Belgrade

Address: Milutina Milankovića 9e, Novi Beograd

Website: www.halkbank.rs

Halkbank a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

NLB Komercijalna banka je banka univerzalnog tipa, koja pruža sve vrste bankarskih usluga svim kategorijama klijenata, od građana, preko preduzetnika, malih i srednjih preduzeća, pa sve do najvećih domaćih i internacionalnih kompanija. Kao sistemska banka, posedujemo sopstvenu likvidnost i jednu od najvećih mreža bankomata i ekspozitura u Srbiji, ali naš najveći kapital je fer, transparentan odnos poverenja s više od milion aktivnih klijenata.

Upravo oni su u fokusu svih naših aktivnosti. To znači da svoje poslovanje razvijamo ukorak sa njihovim potrebama –uvek vođeni motom da ne prodajemo proizvode, već kreiramo kompletne finansijske odgovore na njihova životna i poslovna pitanja.

Članica smo NLB Grupe, vodeće bankarske i finansijske grupacije sa sedištem i isključivim strateškim fokusom na Jugoistočnu Evropu, za koju je Srbija tržište od strateškog značaja. To je posebna prednost za sve naše klijente koji su poslovno ili privatno povezani sa državama regiona, ali i garancija aktivne podrške, na koju u svakom trenutku možemo da računamo - kako od strane matične banke u Sloveniji, tako i od svih njenih članica. Naša matična NLB Grupa nije samo finansijska grupacija, a ovaj region za nju nije samo tačka na mapi, već dom pun pravih prilika. To znači da pored dobrih poslovnih i finansijskih rezultata, koji podržavaju dalji ekonomski razvoj, želimo da iniciramo promene nabolje u sredini u kojoj poslujemo i doprinesemo kvalitetnijem životu svih njenih stanovnika.

Zbog toga su stalno prilagođavanje potrebama klijenata, uvođenje novih bankarskih proizvoda i usluga, uz korišćenje naprednih tehnologija, ali i kontinuirano ulaganje u zajednicu u kojoj poslujemo, proveren recept za dugogodišnje uspešno poslovanje.

Naziv: NLB Komercijalna banka a.d. Beograd

Adresa: Svetog Save 14, 11000 Beograd

Vebsajt: www.nlbkb.rs

NLB Komercijalna banka is a universal bank that provides all types of banking services to all types of customers, from personal banking customers, to entrepreneurs, SMEs to the largest local and international companies.

As a bank of systemic importance, we have our own liquidity and one of the widespread ATM and branch networks in Serbia, but our greatest asset is a fair and transparent relationship of trust with more than a million active customers.

They are exactly the focus of all our activities. This means that we are developing our business in line with their needs –always led by the motto that we do not sell products, but create complete financial solutions to their life and business issues.

We are a member of the NLB Group, a leading banking and financial group headquartered in South East Europe with a sole focus on this region. Serbia is a market of strategic importance for NLB Group. This is a particular advantage to all our clients who are connected to the countries of the region with both private and business ties, but this is also a guarantee of active support that we can count on at any moment – both on the parent bank in Slovenia and all of its members.

Our parent NLB Group is not just a financial group. For NLB Group this region is not just a blob on the map, but a home full of real opportunities. This means that, apart from the good business and financial results that support further economic development, we would like to initiate the changes for the better, in the environment we operate in, and contribute to the better quality of life for all its citizens.

That is why constant adjustments to customer needs, introduction of new banking products and services, with the use of advanced technologies, but also continuous investment in the community we operate in, are the tried and tested recipe for long-term successful business.

Name: NLB Komercijalna banka a.d. Beograd

Address: Svetog Save 14, 11000 Belgrade

Website: www.nlbkb.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

24,6 % 10,8%

1,7%

1 centrala + 4 regiona +1 filijala +180 ekspozitura

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Name of the bank

Komercijalna banka a.d. Beograd

Mirabank a.d. Beograd

Mirabank a.d. Beograd je domaća banka, osnovana 2015. godine kao direktna strana investicija sa 100% kapitala iz Ujedinjenih Arapskih Emirata. Vizija banke je da bude banka najviše poslovne reputacije, te da kao deo lokalne zajednice, bude okosnica ekonomske razmene između Srbije i UAE. Kroz Poslovni klub UAE i Srbije, čiji je inicijator, Mirabank zajedno sa drugim članicama, kompanijama visokog poslovnog ugleda, aktivno radi na daljem unapređenju ekonomskih odnosa između naše dve zemlje kroz stalnu razmenu informacija, iskustava i znanja.

Pored rada sa pravnim licima, Mirabank razvija i poslovanje sa stanovništvom, i to prvenstveno u domenu štednje, pružajući svojim klijentima sigurnost i vrhunski kvalitet usluge.

Mirabank tim posvećenih profesionalaca pažljivo sluša svoje klijente i iznalazi najbolja rešenja za njihove potrebe. Istovremeno, banka svojim zaposlenima pruža značajan potencijal za lični razvoj, kreirajući dobro organizovano i visoko inspirativno radno okruženje. Naša uspešnost se meri uspehom naših klijenata, ali i motivisanošću i napretkom naših zaposlenih.

2022. godina je godina nastavka kontinuiranog unapređenja finansijskog rezultata u odnosu na prethodne godine. U 2022. godini Mirabank je realizovala i novu konverziju subordiniranog kredita ukapital, čime je banka dodatno osnažila svoj potencijal za podršku klijentima, a akcionar potvrdio svoju dugoročnu posvećenost tržištu Srbije.

Naziv: Mirabank a.d. Beograd

Adresa. Španskih boraca 1, Novi Beograd

Vebsajt: www.mirabankserbia.com

Mirabank is a domestic bank, founded in 2015, as a direct foreign investment with 100% capital from the United Arab Emirates. The vison of the bank is to be a bank with the highest business reputation, and as part of the local community, to be the pilar of economic exchange between Serbia and the UAE. Through the UAE and Serbia Business Club, as it’s initiator, Mirabank, together with other members, companies of high esteem, is actively working to further improve economic relations between our two countries by constant exchange of information, experiences and knowledge.

In addition to working with legal entities, Mirabank also develops retail business, primarily in the area of savings, providing its clients with security and top-quality service.

Mirabank‘s team of dedicated professionals listens carefully to their clients, finding the best solutions for their needs. their needs. At the same time, the bank provides to its employees significant potential for personal development by creating a well-organized and highly inspiring work environment. Our success is measured by the success of our clients, but also by the motivation and progress of our employees.

2022 was another year of continuous improvement of financial results compared to previous years. In 2022, Mirabank also executed a new conversion of subordinated loan into equity, which further strengthened the bank‘s potential to support clients, and at the same time confirmed shareholder’s long-term commitment to the Serbian market.

Name: Mirabank a.d. Beograd

Address: Španskih boraca 1, Novi Beograd

Website: www.mirabankserbia.com

Mirabank a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Prve korake na tržištu Mobi Banka je napravila 2014. godine, pod imenom Telenor Banka. Do danas, ova banka ostaje istrajna u svojoj nameri da ljudima u Srbiji bankarstvo učini dostupnijim, kreirajući finansijske usluge po meri korisnika. Usluge prve digitalne banke u regionu koristi gotovo 750.000 ljudi, a u prilog trendu rasta ove banke govori i činjenica da je krajem 2022. godine ostvaren i prvi pozitivan poslovni rezultat.

Mobi posluje u okviru češke PPF Grupe, jednog od najvećih investicionih fondova koji je prisutan u 25 zemalja sveta. Posebne uspehe PPF beleži u domenu telekomunikacija i bankarstva, što je naročito primetno na tržištu Srbije, gde Mobi Banka, u saradnji sa kompanijom Yettel, svojim korisnicima nudi mikro kredite za kupovinu digitalnih uređaja. Broj mikro kredita raste iz godine u godinu, pa je tako u 2022. godini kreditirana kupovina više od 333 hiljade uređaja, čime je premašen ukupan broj od 1,3 miliona uređaja, odnosno, iznos od približno 400 miliona evra.

U skladu sa pristupom koji korisnike stavlja na prvo mesto, a po ugledu na vodeće svetske digitalne banke, Mobi Banka je nedavno tržištu predstavila i novu ponudu za sve koji prenesu minimum 35.000 RSD zarade u ovu banku. Ova ponuda obuhvata tri najpoželjnija benefita po mišljenju korisnika bankarskih usluga u Srbiji: besplatno održavanje viševalutnog računa, besplatne transakcije u zemlji, i podizanje novca na bankomatima svih banaka bez naknade.

I u 2023. godini, Mobi Banka ostaje na čelu digitalne transformacije bankarstva u Srbiji vodeći se načelom: mobilno, transparentno, jednostavno. Sa ciljem da korisnicima pruži najbolji doživljaj digitalnog bankarstva, nastavlja sa razvojem i inovacijama.

Naziv: Mobi Banka a.d. Beograd

Adresa: Omladinskih brigada 88, Novi Beograd

Vebsajt: www.mobibanka.rs

Mobi Banka a.d. Beograd

Mobi Banka made its first steps on the market in 2014 under the name Telenor Banka. To this day, the Bank remains persistent in its intention to make banking more accessible to people in Serbia, creating financial services tailored to the needs of customers. Nearly 750,000 people have chosen the first digital bank in the region, and the fact that the first positive business result was achieved at the end of 2022 speaks about the growth trend that Mobi nurtures.

Mobi operates within the Czech PPF Group, one of the largest investment funds that is present in 25 countries around the world. PPF is extremely successful in the field of telecommunications and banking, which is particularly noticeable on the Serbian market, where Mobi Banka, in cooperation with Yettel, offers micro loans for the purchase of digital devices. The number of micro loans is growing year by year, so in 2022, the purchase of more

than 333 thousand devices was credited, which exceeded the total number of 1.3 million devices - approximately 400 million euros.In accordance with the customer-centric approach, while also following the example of the world‘s leading digital banks, Mobi Banka recently introduced a new offer to the market for everyone who transfers their salary in the minimal amount of RSD 35,000 to this bank. This offer includes the three most desirable benefits, according to banking customers in Serbia: free maintenance of a multi-currency account, free transactions in the country, and free withdrawals at ATMs of all banks.

In 2023, Mobi Banka remains at the forefront of the digital banking transformation in Serbia, guided by the principle: mobile, transparent, simple. With the goal to provide the best digital banking experience for its customers, Mobi continues to develop and innovate.

Name: Mobi Banka a.d Beograd

Address: Omladinskih brigada 88, Novi Beograd

Website: www.mobibanka.rs

Mobi Banka a.d. Belgrade

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

Banka svoje poslovanje obavlja preko sedišta na Novom Beogradu, Omladinskih brigada br. 88 i jednoj ekspozituri sa sedištem na istoj adresi.

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

The Bank is operating through headquarters in New Belgrade, Omladinskih brigada no. 88 and one branch office based at the same address.

*The data for the Total Capital field should be copied from the Balance Sheet

U 2022. godini, 3 Banka nastavila je sa rastom i uspešnim poslovanjem, balansirajući socijalne i finansijske ciljeve uprkos izazovima uzrokovanim geopolitičkim i makroekonomskim faktorima. Ponosni smo na činjenicu da nam klijenti čak i u uslovima velikih neizvesnosti ukazuju poverenje, i prepoznaju nas kao pouzdanog partnera u realizaciji ličnih i poslovnih ciljeva.

Kreditni portfolio ostvario je rast od 22% dok je broj kreditnih klijenata porastao za 15%. Banka je zadržala lidersku poziciju na tržištu po broju kreditiranih poljoprivrednih gazdinstava uz istovremeni snažan rast u segmentu preduzetnika. Kao i prethodnih godina, socijalne performanse Banke bile su u skladu sa poslovnim. Čak 73% klijenata bilo je iz ruralnih krajeva, dok je udeo klijenata koji nisu imali pristup kreditiranju do sada, iznosio odličnih 41%. Kako bi bila bliža svojim klijentima, Banka je otvorila 4 nove poslovnice uz istovremeni razvoj digitalne ponude čime smo dostupnost finansijskih usluga podigli na još viši nivo.

Nakon uspešne promene vlasničke strukture i promene imena banke završen je proces rebrendiranja svih poslovnica banke koje sada ponosno nose logo 3Bank koji simbolično oslikava tri osnovna cilja našeg delovanja: ostvarivanje pozitivnog uticaja na ekonomiju, društvo i životnu sredinu.

Nova struktura akcionara pomogla nam je da obogatimo ponudu banke proizvodima koji će imati pozitivan uticaj na životnu sredinu i dati značajan doprinos „zelenoj tranziciji“ u Republici Srbiji.

Naziv: 3 Banka a.d. Novi Sad

Adresa: Bulevar oslobođenja 2a, Novi Sad

Vebsajt: http://www.3bank.rs

In 2022, 3Bank continued its growth and successful operations, balancing social and financial goals despite challenges caused by geopolitical and macroeconomic factors. We are proud of the fact that clients trust us even in a very uncertain environment, recognizing 3Bank as a reliable partner in the realization of personal and business goals.

The loan portfolio grew by 22%, while the number of loan clients increased by 15%. The Bank retained a leading position in the number of loans disbursed to agricultural households, along with strong growth in the entrepreneurial segment. As in previous years, the Bank‘s social performance was in line with its business performance. As much as 73% of clients were from rural areas, while the share of clients who did not have access to crediting before amounted to an excellent 41%. In order to be closer to its clients, the Bank opened 4 new branches, along with developing its offer of digital services, which raised the availability of financial services to an even higher level.

After a successful change of the ownership structure and change of the Bank’s name, the rebranding process was completed with all Bank’s outlets proudly bearing the 3Bank logo, which symbolically depicts the three main goals of our activity: a positive impact on society, environment and the economic prosperity of the Bank and its employees.

The new shareholder structure helped us to enrich the Bank‘s offer with products that will have a positive impact on the environment and make a significant contribution to the „green transition“ in the Republic of Serbia.

Name: 3 Banka a.d. Novi Sad

Address: Oslobođenja Blvd. 2a, Novi Sad

Website: http://www.3bank.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrala+4 filijale+33 poslovnih jedinica

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

U 2022. godini, u kojoj su svetski renomirani magazini „Euromoney“ i „The Banker“ proglasili OTP banku za Najbolju banku u Srbiji zabeleženi su rekordni rezultati ukupnog poslovanja koji se pre svega temelje na rastućoj profitabilnosti, intenzivnoj digitalizaciji, operativnoj efikasnosti i zdravom rastu portfolija kredita. OTP banka je u 2022. godini ostvarila pozitivan operativni rezultat (pre rezervisanja i poreza) u iznosu od 16.274 miliona dinara.

Zahvaljujući kontinuiranom unapređenju poslovnih procesa Banka je i u prethodnoj godini zadržala poziciju najvećeg kreditora privrede i stanovništva, kao i vodeću poziciju na tržištu faktoring, lizing i e-commerce usluga. Ključne komparativne prednosti OTP banke su poverenje klijenata, osluškivanje i posvećenost potrebama svih grupa klijenata, digitalne inovacije u službi prvoklasnog korisničkog iskustva, ekspertiza i pouzdanost zaposlenih, kao i snažna podrška matične OTP Grupe.

OTP banka se tokom 2022. god. pozicionirala kao predvodnik „zelene“ tranzicije i veliku pažnju je posvetila korporativno odgovornim inicijativama. Generator Zero kao jedan od najznačajnijih „zelenih“ CSR projekata u zemlji, kao i druge socijalno i ekološki odgovorne inicijative prepoznate su od strane stručne i šire javnosti, o čemu svedoče brojne nagrade koje je Banka osvojila u ovoj oblasti („Društveno odgovorna kompanija godine“, „Grand-pri 2022 za društveno odgovorno poslovanje“, „Dobročinitelj 2022“, „Šampioni održivosti 2022“, „Kampanja sa svrhom“, „Green Carper fot ESG & Sustainability“ itd).

U junu 2022. god. Banka je usvojila ESG Strategiju održivog poslovanja, čime je počela primenu i ispunjenje zadatih ciljeva na koje se obavezala.

Sveobuhvatna i kontinuirana zalaganja u cilju kreiranja podsticajnog radnog okruženja jednakih mogućnostizasve,negovanjetimskogduga,profesionalneetičnostiuzuvažavanjemišljenjazaposlenih doneli su Banci u 2022. god. prestižne HR nagrade („Employer Partner“ i „Human Driven Reshape).

Banka je završila prethodnu godinu sa 155 ekspozitura u 91 gradu i sa jednom od najvećih mreža bankomata (266 bankomata) čime je zadržano ravnomerno prisustvo na teritoriji cele zemlje.

U okviru OTP Grupe posluju OTP Leasing Srbija, tržišni lider u ovoj oblasti i OTP Osiguranje koj koje pruža usluge životnog osiguranja preko OTP banke.

Naziv: OTP banka Srbija a.d. Novi Sad

Adresa: Trg Slobode 5, Novi Sad, Srbija

Vebsajt: www.otpbanka.rs

In year 2022, when world renowned magazines “Euromoney” and “The Banker” proclaimed OTP banka as Best Bank in Serbia, record results were noted in the overall business operations, primarily based on growingprofitability,intensivedigitalization,operationalefficiencyandhealthygrowthoftheloanportfolio. OTP banka achieved a positive operational result in 2022 (before provisioning and taxes) in the amount of 16,274 million dinars.

Thanks to continuous improvements of business processes, the Bank maintained its position as the largest retail and corporate creditor in the past year, and maintained a leading position in the markets of factoring, leasing and e-commerce services. OTP banka‘s key comparative advantages include client trust, listening and commitment to the needs of all client groups, digital innovations in the service of first-class user experience, expertise and reliability of employees, as well as strong support from its parent OTP Group.

During 2022, OTP banka positioned itself as a leader of the „green“ transition and paid great attention to corporate responsible initiatives. Generator Zero as one of the most significant „green“ CSR projects in the country, as well as other socially and environmentally responsible initiatives, have been recognized by expertsandthepublicthepublicatlarge,asevidencedbynumerousawardswhichtheBankreceivedinthis area („Socially Responsible Company of the Year“, „Grand Prix 2022 for Corporate Social Responsibility“, „Benefactor 2022“, „Champions of Sustainability 2022“, „Campaign with a Purpose“, „Green Carper for ESG & Sustainability“, etc.).

In June 2022, the Bank adopted the ESG sustainable development strategy, whereby it has begun the implementation and fulfillment of set objectives to which it has committed.

The comprehensive and continuous endeavor to ensure a stimulating work environment with equal opportunities for all, the fostering of team spirit, professional ethics with acknowledgment of opinions of employees, brought the prestigious (“Employer Partner” and “Human Driven Reshape”) HR award to the Bank in 2022.

The Bank ended last year with 155 branches in 91 cities and with one of the largest ATM networks (266 ATMs) which helped it maintain presence across the national territory.

OTP Leasing Srbija operates as part of OTP Group – a market leader in this area – as well as OTP Osiguranje which provides life insurance services through OTP banka.

Name: OTP banka Srbija a.d. Novi Sad

Address: Trg Slobode 5, Novi Sad, Serbia

Website: www.otpbanka.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala

(Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu

(Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

ProCredit banka je članica ProCredit Grupe, predvođene matičnom kompanijom ProCredit Holding iz Frankfurta. U Srbiji posluje od 2001. godine.

ProCredit banka je razvojno orijentisana komercijalna banka koja pruža kompletne finansijske usluge najvišeg kvaliteta i to malim i srednjim preduzećima i stanovništvu. Banka je okrenuta elektronskim kanalima u radu sa klijentima, što je ProCredit banku pozicioniralo kao pionira, ali i lidera u sferi online bankarstva.

Princip koji je dominantan u poslovnoj misiji ProCredit banke jeste – odgovorno bankarstvo.

U radu sa malim i srednjim preduzećima ProCredit banka promoviše ulaganja u projekte iz oblasti održive ekonomije i energetske efikasnosti, kao i projekte koji su usklađeni sa principima zaštite životne sredine.

U pogledu rada sa stanovništvom, ProCredit banka ne promoviše potrošačko kreditiranje, već investicije koje unapređuju kvalitet života njihovih klijenata, kao i razvijanje kulture štednje.

Važno je istaći da su sve usluge za stanovništvo dostupne online, odnosno bez dolaska u banku: od otvaranja bankovnih računa do apliciranja i odobravanja kredita.

ProCredit banka je od svog osnivanja posvećena zaštiti životne sredine. Jedina je banka u Srbiji koja poseduje međunarodni sertifikat ISO 14001:2015 koji se odnosi na sistem upravljanja zaštitom životne sredine, kao i GCMARK: Green Company, kojim se potvrđuje poslovanje po strogim ekološkim principima. ProCredit pristup očuvanju životne sredine sprovodi se kroz interne sisteme upravljanja zaštitom okoline, zatim kroz upravljanje ekološkim i socijalnim rizicima u kreditiranju, kao i kroz promociju „zelenog finansiranja“.

Naziv: ProCredit bank a.d. Beograd

Adresa: Milutina Milankovića 17, Novi Beograd

Vebsajt: www.procreditbank.rs

ProCredit Banka a.d. Beograd

ProCredit Bank is a member of the ProCredit Group, led by parent company ProCredit Holding seated in Frankfurt. It began operating in Serbia in 2001.

ProCredit Bank is a development-oriented commercial bank which offers complete financial services of the highest quality to small and medium-sized enterprises (SMEs) and private individuals or retail clients. The bank focuses on electronic channels in working with its clients. This approach has rendered ProCredit Bank a pioneer and leader in the area of online banking.

The dominating principle in ProCredit Bank’s mission is responsible banking.

In its work with SMEs, ProCredit Bank promotes investment in sustainable economy and energy efficiency projects, as well as projects which comply with the principles of environmental preservation.

In terms of its work with the retail segment, ProCredit Bank does not promote consumer lending but rather investments that improve the quality of life of our clients. ProCredit Bank is also dedicated to the development of a savings culture.

It is important to highlight that all retail services are available online, meaning no visits to the bank: from the moment of opening a bank account to applying for and loan approval.

ProCredit has always been dedicated to protecting the environment. It is the only bank in Serbia to have been issued with the international certificate: ISO 14001:2015 which regulates environmental management systems and the GCMARK: Green Company, which confirms that a company operates under strict environmental principles. ProCredit Bank’s approach to environmental protection is implemented through internal environment management systems, then through environmental and social risk management in lending as well as through the promotion of ‘green financing’.

Name: ProCredit bank a.d. Beograd

Address: Milutina Milankovića 17, Novi Beograd

Website: www.procreditbank.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

Centrala - 1 Ekspoziture - 6 Zone 24/7 samo mašine - 10 Zone 24/7 - 6

Iznos u milionima dinara Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Raiffeisen banka je u 2022. godini ostvarila rekordne rezultate od početka poslovanja u Srbiji. Tome je doprineo rast kreditnih volumena, te rast prihoda od kamata i provizija.

Banka je uspešno realizovala svoju prvu akviziciju, čime ostvaruje svoje dugoročne strateške planove o proširenju poslovanja na srpskom tržištu. RBA banka (nekadašnja Crédit Agricole Srbija A.D. Novi Sad) akvizirana je 1. aprila 2022, uključujući i lizing kompaniju.

Nastavljena je i digitalizacija usluge, uz konstantno uvođenje inovacija i potpuno onlajn usluga i proizvoda za klijente. Pokrivenost mreže digitalnim poslovnicama, sa uslugom dostupnom 24 sata, 7 dana u nedelji, dostigla je gotovo 90 odsto ukupne mreže.

Pitanja ESG-a i održivosti bila su i u 2022. god. u samom vrhu poslovnih prioriteta. Pored društvene odgovornosti kroz donacije, humanitarne akcije i dugogodišnja strateška partnerstva u sportu, kulturi i umetnosti, banka nastavlja i analizu kreditnog portfolija i u cilju smanjenja ulaganja u industrije koje su veliki zagađivači. Uvedena je i prva platna kartica od reciklirane plastike koja pomaže očuvanju prirodnih resursa i životne sredine.

Nisu izostala ni priznanja: nagradu banci za poslovni uspeh u 2022. godini dodelila je Privredna komora Srbije, a na međunarodnom planu je renomirani finansijski magazin „Global Finance“ proglasio Raiffeisen banku „Najboljom digitalnom bankom u segmentu poslovanja sa stanovništvom“ u Srbiji. Ovo je treća titula dobijena od strane prestižnih magazina za dostignuća na polju digitalizacije u bankarstvu.

Naziv: Raiffeisen banka a.d. Beograd

Adresa: Đorđa Stanojevića 16, Novi Beograd

Vebsajt: www.raiffeisenbank.rs

Raiffeisen banka a.d. Beograd

Još jedna rekordna godina i uspešna akvizicija za Raiffeisen banku

Another Record Year and Successful Acquisition for Raiffeisen Banka

Raiffeisen banka realized the best results in 2022 since the beginning of its business activities in Serbia. This was supported by growth in loan volumes, as well as a rise in revenue from interest rates and commissions.

The bank has successfully finalized its first acquisition, realizing thereby its long-term strategic plans as regards expanding its business activities in the Serbian market. RBA banka (the former Crédit Agricole Srbija A.D. Novi Sad) was acquired on April 1, 2022, including the leasing company.

Service digitalization was continued, with continual introducing of innovations and fully online products and services for clients. The coverage of the network with digital branch offices, offering services 24/7, reached almost 90 per cent of the total network.

The issues of ESG and sustainability were the top business priorities in 2022 as well. Apart from social responsibility realized through donations, charity activities and long-term strategic partnerships in sports, culture and art, the bank also continues to analyze its credit portfolio with the aim of reducing investments into highly polluting industries. The first payment card made of recycled plastic was introduced, helping to protect natural resources and the environment.

There was no lack of awards: the Serbian Chamber of Commerce awarded the bank for its business success in 2022, whereas the renowned financial magazine “Global Finance” awarded the bank with the title “Best Digital Bank in the Retail Segment” in Serbia. This is the third title received from prestigious magazines for achievements in the segment of digitalization in banking.

Name: Raiffeisen banka a.d. Beograd

Address: Đorđa Stanojevića 16, Novi Beograd

Website: www.raiffeisenbank.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

za poziciju Ukupni kapital uzeti iz Bilansa stanja

16,07%

2,32% 4 Regiona, 46 filijale, 26 ekspozitura, 5 lokalnih filijala, 4 šaltera Ukupno 81 organizaciona jedinica

17,79%

*Podatke

Iznos u milionima dinara Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

Srpska banka a.d. Beograd je domaća banaka sa većinskim vlasništvom Republike Srbije, koja ima kontinuitet i dugogodišnje iskustvo u bankarskom poslovanju. Osnovana kao Vojni servis usastavu Narodne banke Jugoslavije, kratko vreme poslovala je pod nazivom YU garant banka a.d. Beograd, a od septembra 2003. godine posluje pod imenom Srpska banka a.d. Beograd.

Od osnivanja, Srpska banka a.d. Beograd je u većinskom državnom vlasništvu i svoje poslovanje zasniva na visokim profesionalnim standardima i efikasnosti u pružanju svih vrsta bankarskih usluga.

Ostvarena dobit u 2022. godini, u iznosu od 35.560 hiljada dinara pokazuje da je Srpska banka a.d. Beograd uspela da odgovori

na sve izazove, kako regulatornih tela, tako i poslovnog okruženja, i da prilagodi poslovanje svojim klijentima, pre svega, klijentima iz sistema Odbrambene industrije Srbije, kao i drugim privrednim subjektima sa kojima Banka tradicionalno posluje. Poslujući u zahtevnom tržišnom okruženju, u uslovima jake konkurencije, Banka je uspela da na zahteve klijenata odgovori brzo i efikasno, kroz stalno prilagođavanje proizvoda i usluga njihovim potrebama. Očekivanja su da će Banka u 2023. godini ostvariti bolje poslovne rezultate, kroz praćenje poslovanja, kako postojećih klijenata, pre svega klijenata iz grupacije Odbrambene industrije Srbije, tako i kroz privlačenje novih klijenata, obzirom da ne postoje ograničenja za uspostavljanje poslovnih odnosa sa klijentima udelu poslova koji se odnose na prikupljanje depozita, otvaranje i vođenje platnih i drugih računa, poslove platnog prometa, dokumentarne poslove, odnosno poslove kojima se uvećava depozitni potencijal Banke.

Banka odobrava kredite prvenstveno klijentima iz grupacije namenske industrije Srbije, kao i drugim privrednim društvima koja samostalno, ili kao kooperanti, učestvuju u realizaciji specifičnih proizvodnih, razvojnih i spoljnotrgovinskih poslova, kao i privrednim društvima iz javnog sektora. Zbog vlasničke strukture i specifičnosti poslova njenih tradicionalnih klijenata, Banka ima čvrstu, dugoročnu poslovnu saradnju sa svojim klijentima i razvijenu mrežu korespondentskih odnosa sa velikim brojem banaka širom sveta.

Poslovnu saradnju sa fizičkim licima Srpska banka a.d. obavlja preko Ekspoziture Beograd, koja je smeštena u sedištu Banke u ulici Savska broj 25.

Prioriteti Srpske banke a.d. Beograd i u narednom periodu ostaju nepromenjeni, uz dalje jačanje kapitalne osnove i očuvanje dugoročne, čvrste i obostrano korisne poslovne saradnje Banke i njenih klijenata.

Naziv: Srpska banka a.d. Beograd

Adresa: Savska 25, Beograd

Vebsajt: www.srpskabanka.rs

Srpska banka a.d. Beograd

Srpska banka a.d. Beograd a domestic bank with majority ownership of the Republic of Serbia, which has continuity and many years of experience in banking. Established as a Military Service within the National bank of Yugoslavia, for a short time it operated under the name of YU Garant banka ad Beograd, whereas since September 2003 it has been operating under the name of Srpska banka a.d. Beograd.

Since its establishment, Srpska banka a.d. Beograd has been majority state-owned, and its operations are based on high professional standards and efficiency in providing all kinds of banking services.

The realized profit amounting to 35,560 thousand dinars in 2022 is an indication that the Bank succeeded in responding to the challenges both by regulatory bodies and the business environment, and to adjust the business to its clients, primarily to clients from the system of the Defense Industry of Serbia, as well as to other clients with which the Bank traditionally does business. In a demanding market environment, in conditions of strong competition, the Bank has managed to respond quickly and efficiently to customer requirements, constantly adjusting its products and services to their needs. Expectations are that the Bank will achieve better business results in 2023, through monitoring the business, both of existing clients, primarily clients from the group of the Defense Industry of Serbia, and through acquisition of new clients, since there are no restrictions on establishing business relations with clients in the part of jobs related to collection of deposits, opening and maintaining payment and other accounts, payment operations, documentary operations, apropos operations that increase the Bank‘s deposit potential.

The Bank approves loans primarily to customers related to the Serbian defense industry, as well as other companies that are independently, or as co-operators, involved in the specific production, development and foreign trade transactions, as well as with the companies in the public sector. Due to the ownership structure and specific operations of its traditional customers, the Bank has developed a strong, long-term business relationship with its customers and a network of correspondent relations with a number of banks around the world.

Business cooperation with retail clients is performed through the Belgrade branch, which is located at the Banks’s headquarters at 25, Savska Street.

Name: Srpska banka a.d. Beograd

Address: Savska 25, Novi Beograd

Website: www.srpskabanka.rs

PODACI ZA 2022. GODINU

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža

(Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Centrala + 1 Ekspozitura

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets

(Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

*The data for the Total Capital field should be copied from the Balance Sheet

UniCredit Banka, jedna je od sistemski najvažnijih banaka u Srbiji i članica UniCredita - uspešne panevropske bankarske grupe, koja posluje sa više od 15 miliona klijenata širom sveta. Sa mrežom od 72 ekspoziture širom Srbije, kao i stalnim fokusom na potrebe građana i privrede, ostvaruje stabilne rezultate sa rastom u svim oblastima poslovanja.

UniCredit Banka nastavila je trend dobrih rezultata i u 2022. godini ostvarila je istorijski visok bruto operativni dobitak, koji na konsolidovanom nivou (Banka, Lizing i Partner) premašuje 122 miliona evra. Nastavljen je i ukupni rast portfolija kredita fizičkim licima od 5,58% i dostignuto je istorijski visoko tržišno učešće u depozitima fizičkih lica koje iznosi 5,2% na kraju 2022. godine. U segmentu korporativno-investicionog bankarstva banka je ostala pouzdan partner i prvi izbor za čak 75 od 100 najboljih kompanija u Srbiji, stavljajući poseban akcenat na kvalitet kreditnog portfolija i zeleno finansiranje uz nastavak rasta klijentske baze.

Celu 2022. godinu obeležila je proslava značajnog jubileja – 20 godina poslovanja UniCredita u Srbiji, koji je banka proslavila sa svojim klijentima, partnerima i zaposlenima. Povodom obeležavanja tog jubileja, banke je prošle godine sprovela 11 projekata rekonstrukcije i revitalizacije lokacija od nacionalne važnosti, i to u nacionalnim parkovima, spomenicima prirode i specijalnim rezervatima prirode.

Kao i prethodnih godina, stabilnost UniCredit Banke u Srbiji potvrđena je brojnim nagradama. Banka je proglašena za najbolju banku za finansiranje trgovine u Srbiji prema Euromoney anketi i to petu godinu zaredom, potom i za najbolju banku za pružanje kastodi usluga međunarodnim investitorima u Srbiji po deveti put. Dobila je priznanje za istaknute rezultate u okviru Euromoney istraživanja o upravljanju gotovinom u 2022. god. i zadržala status „Tržišnog lidera“ u korporativnom bankarstvu i digitalnim rešenjima u okviru istog istraživanja. Takođe, FIC Srbija je nagradila UniCredit kao jednog od osnivača i člana punih 20 godina. Dodatno, Privredna komora Srbije nagradila je predsednika Izvršnog odbora UniCredita, Nikolu Vuletića, nagradom za Poslovnog lidera u finansijskom sektoru za 2022. godinu.

Naziv: UniCredit Bank Srbija a.d. Beograd

Adresa: Jurija Gagarina 12, Novi Beograd

Vebsajt: www.unicreditbank.rs

UniCredit Bank Srbija a.d. Beograd

UniCredit Bank is one of the systemically most important banks in Serbia and a member of UniCredit - a successful pan-European banking group that operates with more than 15 million clients worldwide. With a network of 72 branches throughout Serbia, as well as a constant focus on the needs of citizens and the economy, it achieves stable results with growth in all areas of business.

UniCredit Bank continued the trend of good results and achieved a historically high gross operating profit in 2022, which at the consolidated level (Bank, Leasing and Partner) exceeds 122 million euros. The total growth of the portfolio of loans to natural persons of 5.58% continued and a historically high market share in deposits of natural persons, amounting to 5.2% at the end of 2022, was reached. In the segment of corporate-investment banking, the bank remained a reliable partner and the first choice for as manyas 75 of the 100 best companies in Serbia, placing special emphasis on the quality of the loan portfolio and green financing with the continued growth of the client base.

The entire year 2022 was marked by the celebration of a significant jubilee - 20 years of UniCredit‘s business in Serbia, which the bank celebrated with its clients, partners and employees. On the occasion of celebrating that jubilee, last year the bank implemented 11 projects of reconstruction and revitalization of locations of national importance, namely in national parks, natural monuments and special nature reserves.

As in previous years, the stability of UniCredit Bank in Serbia was confirmed by numerous awards. The bank was declared the best bank for trade financing in Serbia according to the Euromoney survey for the fifth year in a row, and the best bank for providing custody services to international investors in Serbia for the ninth time. It was recognized for outstanding performance in the Euromoney Cash Management Survey 2022 and retained the status of „Market Leader“ in Corporate Banking and Digital Solutions in the same survey. Also, FIC Serbia awarded UniCredit as one of the founders and a member for 20 years. In addition, the Serbian Chamber of Commerce awarded the President of the Executive Board of UniCredit, Nikola Vuletić, with the award for Business Leader in the Financial Sector for 2022.

Name: UniCredit Bank Srbija a.d. Beograd

Address: Jurija Gagarina 12, Novi Beograd

Website: www.unicreditbank.rs

Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike)

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital)

Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

21,32 %

1,5 %

10,0 %

Banka se sastoji od centrale u Beogradu, sedamdeset i dve ekspoziture i dva šaltera u različitim gradovima širom Republike Srbije

*Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Iznos u milionima dinara

Iznos u milionima EUR

DATA FOR 2022

Capital Adequacy Ratio

(Capital / Credit risk-weighted assets increased by capital requirements for market and operational risks)

Return on assets (Profit before tax / Average assets)

Return on equity

(Profit before tax / Average total capital)

Organisational structure

(Head office + other organisational segments – business unit, branch offices, cash offices. Note which organisational segments exist and state their exact number)

The bank consists of the head office in Belgrade, seventy-two branches and two counters in different cities throughout the Republic of Serbia

*The data for the Total Capital field should be copied from the Balance Sheet

Tokom 2022. godine inflatorni pritisci usled masovnog upumpavanja likvidnosti primorali su centralne banke da značajno promene svoju politiku, prvenstveno kroz zaustavljanje kvantitativnih olakšica, kao i kroz povećanje kamatnih stopa.

Era lako dostupnog novca je završena, a invazija Rusije na Ukrajinu odmah je zaokrenula decenijama hranjenu podršku ka globalizaciji. Rastuća inflacija se pokazala kao više strukturna nego privremena, usled čega možemo reći da je sigurnost investitora veoma narušena, te su tržišta akcija i obveznica zabeležila pad vrednosti, pri čemu se po prvi put od 2000. godine dešava da su ova dva segmenta tržišta pozitivno korelisana. Savršena oluja rastućih kamatnih stopa (nižih cena obveznica) i kolapsa cena akcija podstaknuta padom ukupne ponude novca kroz kvantitativne kontrakcije dovela je do toga da ovo bude druga najgora godina za portfolio 60/40 u istoriji investiranja.

Na Beogradskoj berzi je u 2022. godini ostvaren ukupan promet u vrednosti od 38,3 milijarde RSD, odnosno gotovo 326 miliona EUR, što izraženo u dinarima predstavlja pad prometa od 7% u odnosu na 2021. godinu. Tržišni materijali kojima je u toku 2022. godine trgovano na Berzi uključuju akcije i obveznice Republike Srbije, dok su transakcije korporativnim obveznicama izostale i ove godine.

U odnosu na prethodnu godinu, zabeležen je pad vrednosti prometa u trgovanju obveznicama Republike Srbije, dok je zabeležen značajan rast u trgovanju akcijama.

Oba indeksa Beogradske berze, BELEX15 i opšti indeks BELEXline 2022. godinu su završili u zelenoj zoni. Indeks najlikvidnijih akcija srpskog tržišta kapitala BELEX15 godinu završava na nivou od 824,61 indeksnih poena, što je za skoro 4 indeksna poena veća vrednost u odnosu na kraj 2021. godine. Opšti indeks domaćeg tržišta kapitala BELEXline godinu je završio na nivou od 1.739,86 indeksnih poena, što u odnosu na prethodnu godinu predstavlja rast od 2%.

Naziv: Beogradska berza a.d. Beograd

Adresa: Omladinskih brigada 1, Novi Beograd

Vebsajt: www.belex.rs

Beogradska berza

In 2022, the inflationary pressures resulting from the massive injection of liquidity forced central banks to significantly change their policies, primarily through the cessation of quantitative easing and the increase of interest rates. The era of easy money has come to an end, and Russia‘s invasion of Ukraine immediately turned decades-long support for globalization on its head. The growing inflation has proven to be more structural than temporary, which has severely undermined investor confidence, leading to a decline in the value of both stocks and bonds. For the first time since 2000, these two market segments are positively correlated. The perfect storm of rising interest rates (lower bond prices) and a collapse in stock prices, driven by the decline in the overall money supply through quantitative contraction, has made this the second-worst year for the 60/40 portfolio in the history of investing.

On the Belgrade Stock Exchange, a total turnover of RSD 38.3 billion (almost EUR 326 million) was achieved in 2022, representing a 7% decrease in turnover compared to 2021. Market instruments traded on the exchange during 2022 included stocks and bonds of the Republic of Serbia, while transactions in corporate bonds were absent again this year. Compared to the previous year, the value of bond trading on the Belgrade Stock Exchange declined, while there was a significant increase in stock trading.

Both the BELEX15 and the general BELEXline indices of the Belgrade Stock Exchange ended 2022 in the green zone. The index of the most liquid stocks on the Serbian capital market, BELEX15, ended the year at 824.61 index points, which is almost 4 index points higher than at the end of 2021. The general index of the domestic capital market, BELEXline, ended the year at 1,739.86 index points, representing a 2% increase compared to the previous year.

Name: Belgrade Stock Exchange a.d. Beograd

Address: Omladinskih brigada 1, Novi Beograd

Website: www.belex.rs

Iz ugla Komisije za hartije od vrednosti je prethodna 2022. godina bila godina završetka rada na regulativi iz oblasti tržišta kapitala i početka praktične primene svih propisa koji su doneti u prethodnom periodu. Ovu godinu je obeležila pre svega regulatorna aktivnost u vezi davanja dozvola i odobrenja iz nadležnosti Komisije za hartije od vrednosti.

Nakon zaokruživanja rada na celokupnoj regulativi koja uređuje tržište kapitala, a koji je počeo pre svega donošenjem novih zakona koji uređuju investicione fondove u Republici Srbiji – Zakona o otvorenim investicionim fondovima sa javnom ponudom, odnosno o UCITS fondovima i Zakona o alternativnim investicionim fondovima 2019. godine, zatim na našem tržištu potpuno inovativnog Zakona o digitalnoj imovini 2020. godine i kompletno novog, sa svim relevantnim EU propisima usaglašenog Zakona o tržištu kapitala 2021. godine, Komisiju je sačekao zadatak donošenja niza podzakonskih akata za njihovo sprovođenje, čime su u 2022. godini u potpunosti zaokružene ove oblasti.

Na osnovu ovlašćenja koja joj pružaju zakoni koji regulišu investicione fondove, Komisija je u 2022. godini izdala dozvolu za organizovanje prvog pratećeg UCITS fonda u Srbiji, čime se Srbija stavila u koš sa svim evropskim zemljama, u kojima ova posebna vrsta organizovanja fondova funkcioniše već dugi niz godina. Takođe, Komisija je u 2022. godini odobrila organizovanje pet UCITS fondova, kao i 3 alternativna investiciona fonda. U pogledu Zakona o digitalnoj imovini koji je domaćim entitetima omogućio pristup novom vidu finansiranja pomoću digitalnih tokena, Komisija je odobrila objavljivanje 2 bela papira čime je Srbija dobila svoja prva dva digitalna tokena.

Možemo zaključiti da je pojačana regulatorna aktivnost stvorila plodonosno tlo za dalje unapređenje klasičnog tržišta kapitala i za stvaranje jednog potpuno novog tržišta u Srbiji – tržišta digitalne imovine. Ostaje nam da se nadamo da će učesnici na tržištu znati da prepoznaju prilike koje im novi regulatorni okvir pruža i da svojom poslovnom aktivnošću doprinesu sveopštem ekonomskom razvitku domaće ekonomije.

Naziv: Komisija za hartije od vrednosti

Adresa: Omladinskih brigada 1/7, Novi Beograd

Vebsajt: www.sec.gov.rs

Komisija za hartije od vrednosti Republika Srbija

From the Securities Commission‘s perspective, the previous year 2022 was the year finalising the work on regulations covering the capital market and the beginning of the practical application of all regulations that were adopted in the previous period. This year was primarily marked by regulatory activity regarding the granting of permits and approvals under the jurisdiction of the Securities Commission.

After completing the work on the entire regulation governing the capital market, which began primarily with the adoption of new laws governing investment funds in the Republic of Serbia - the Law on Openended Investment Funds With a Public Offering (UCITS funds) and the Law on Alternative Investment Funds in 2019, followed with the adoption of on a completely innovative law on our market – the Law on Digital Assets in 2020 and in 2021 a completely new Capital Market Law, harmonized with all relevant EU regulations, the Commission had the task of passing a series of by-laws for their implementation, which in 2022 led to the completion of these areas.

On the basis of the powers granted to it by the laws regulating investment funds, in 2022 the Commission issued a permit for the organization of the first feeder UCITS fund in Serbia, which put Serbia alongside all European countries in which this special this type of fund organization has been operating for many years. Also, in 2022, the Commission approved the organization of five UCITS funds, as well as 3 alternative investment funds. With regard to the Law on Digital Assets, which enables domestic entities to access a new type of financing using digital tokens, the Commission approved the publication of 2 white papers, whereby Serbia has received its first two digital tokens.

We can conclude that the increased regulatory activity has created fertile ground for the further improvement of the classic capital market and for the creation of a completely new market in Serbia - the digital assets market. We can only hope that market participants will know how to recognize the opportunities that the new regulatory framework provides them and contribute with their business activity to the overall economic development of the domestic economy.

Name: Securities Commission of the Republic of Serbia

Address: Omladinskih brigada 1/7, Novi Beograd

Website: www.sec.gov.rs

Securities Commission of the Republic of Serbia

BILANS STANJA BANKARSKOG SEKTORA SRBIJE SA STANJEM NA DAN 31.12.2022.

Nematerijalna

Nekretnine,

Investicione nekretnine

Tekuća poreska sredstva

Odložena

Loans

receivables from banks and other financial organisations

Loans and receivables from the clients

Changes in fair value of items subject to risk protection

Receivables in respect of derivatives aimed at risk protection

Investments in affiliated companies and joint ventures

Investments in dependent companies

Intangible assets

Property, premises and equipment

Investment property

Current tax assets

Deferred tax assets

Stalna sredstva namenjena prodaji i sredstva poslovanja koje se obustavlja

Ostala sredstva

UKUPNO AKTIVA (pozicije pod AOP oznakama od 0001 do 0017 u bilansu stanja)

Obaveze po osnovu derivata

Depoziti i ostale finansijske obaveze prema bankama, drugim finansijskim organizacijama i centralnoj banci

Depoziti i ostale finansijske obaveze

prema drugim komitentima

Obaveze po osnovu derivata namen-

jenih zaštiti od rizika

Promene fer vrednosti stavki koje su

predmet zaštite od rizika

Obaveze po osnovu hartija od vrednosti

Subordinirane obaveze

Rezervisanja

Obaveze po osnovu sredstava namenjenih prodaji i sredstva poslovanja koje se obustavlja

Tekuće poreske obaveze

Odložene poreske obaveze

Ostale obaveze

UKUPNO OBAVEZE (pozicije pod AOP

oznakama od 0401 do 0412 u bilansu stanja)

KAPITAL

Akcijski kapital

Fixed assets for sale and assets from discontinued operations

Other assets

TOTAL ASSETS (items from 0001 to 0017 in the balance sheet)

LIABILITIES AND EQUITY

LIABILITIES

Liabilities in respect of derivatives

Deposits and other financial liabilities towards banks, other financial organisations and the central bank

Deposits and other financial liabilities towards other clients

Liabilities in respect of derivatives aimed at risk protection

Changes in fair value of items subject to risk protection

Liabilities in respect of securities

Subordinated liabilities

Provisions

Liabilities in respect of assets for sale and assets from discontinued operations

Current tax liabilities

Deferred tax liabilities

Other liabilities

TOTAL LIABILITIES (items from 0401 to 0412 in the balance sheet)

CAPITAL

Shareholders’ equity

PK.XV

PK.XVI

PK.XVII

PK.XVIII

PK.XIX PK.XX

PO.XXI

“UKUPAN NEDOSTATAK KAPITALA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa stanja: 0414 - 0415 + 0416 - 0417 + 0418 - 0419) < 0”

PO.XXII

“UKUPNO PASIVA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa stanja: 0413 + 0421 - 0422)”

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1

EUR = 117,3224

Own shares Profit Loss Provisions

Unrealised losses

TOTAL CAPITAL (result of summation and deduction of the following ADP categories from the balance sheet: 0414 -0415 + 0416 - 0417 + 0418 - 0419) ≥ 0

TOTAL LACK OF CAPITAL (result of summation and deduction of the following ADP categories from the balance sheet: 0414 - 0415 + 0416 - 0417 + 0418 - 0419) < 0

TOTAL LIABILITIES (result of summation and deduction of the following ADP categories from the balance sheet: 0413 + 0421 - 0422)

*Official middle rate of exchange of the dinar against the EUR, as of 31.12.2022, was applied - EUR 1 = RSD 117,3224

“BILANS USPEHA BANKARSKOG SEKTORA SRBIJE”

bilansa uspeha: 1001 - 1002)

Neto rashod po osnovu kamata (rezul-

tat oduzimanja sledećih AOP oznaka iz

bilansa uspeha: 1002 - 1001)

Prihodi od naknada i provizija

Rashodi naknada i provizija

Neto prihod po osnovu naknada i provizija

(rezultat oduzimanja sledećih AOP oznaka

iz bilansa uspeha: 1005 - 1006)

Neto rashod po osnovu naknada i provizija

(rezultat oduzimanja sledećih AOP oznaka

iz bilansa uspeha: 1006 - 1005)

Neto dobitak po osnovu promene fer

vrednosti finansijskih instrumenata

Neto gubitak po osnovu promene fer

vrednosti finansijskih instrumenata

INCOME STATEMENT FOR THE PERIOD

Interest income

Interest expenses

Net interest income (result of deduction of the following ADP categories from the income statement: 1001 - 1002)

Net interest expenses (result of deduction of the following ADP categories from the income statement: 1002 - 1001)

Revenues from fees and commissions

Expenditures in respect of fees and commis-sions

Net income from fees and commissions (result of deduction of the following ADP categories from the income statement: 1005 - 1006)

Net expenditures in respect of fees and com-missions (result of deduction of the following ADP categories from the income statement: 1006 - 1005)

Net profit in respect of changes in the fair value of financial instruments

po fer vrednosti

Neto gubitak po osnovu prestanka

priznavanja finansijskih instrumenata koji se vrednuju po fer vrednosti

Neto dobitak po osnovu zaštite od rizika

Neto gubitak po osnovu zaštite od rizika

Neto prihod od kursnih razlika i efekata

ugovorene valutne klauzule

Neto rashod od kursnih razlika i efekata

ugovorene valutne klauzule

Neto prihod po osnovu umanjenja obezvređenja finansijskih sredstava koja se ne vrednuju po fer vrednosti kroz bilans uspeha

Neto rashod po osnovu obezvređenja

finansijskih sredstava koja se ne vrednuju po fer vrednosti kroz bilans uspeha

Neto dobitak po osnovu prestanka

priznavanja finansijskih instrumenata koji se vrednuju po amortizovanoj vrednosti

Neto gubitak po osnovu prestanka

priznavanja finansijskih instrumenata koji

se vrednuju po amortizovanoj vrednosti

Neto dobitak po osnovu prestanka

priznavanja investicija u pridružena

društva i zajedničke poduhvate

Net loss in respect of changes in the fair value of financial instruments

Net profit in respect of reclassification of financial instruments

Net loss in respect of reclassification of finan-cial instruments

Net profit in respect of derecognition of finan-cial instruments carried at fair value

Net loss in respect of derecognition of finan-cial instruments carried at fair value

Net profit in respect of risk protection

Net loss in respect of risk protection

Net income from exchange rate differentials and effects of the arranged currency clause

Net expenditures in respect of exchange rate differentials and effects of the arranged cur-rency clause

Net income from impairment of financial assets that are not carried at fair value through income statement

Net expenditures from impairment of financial assets that are not carried at fair value through income statement

Net profit in respect of derecognition of finan-cial instruments at amortized value

Net loss in respect of derecognition of finan-cial instruments at amortized value

Net profit in respect of derecognition of investments in affiliated companies and joint ventures

i zajedničke poduhvate

Ostali poslovni prihodi

“UKUPAN NETO POSLOVNI PRIHOD

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1003 - 1004 + 1007 - 1008 + 1009 - 1010 +

1011 - 1012 + 1013 - 1014 + 1015 - 1016 + 1017

-1018 + 1019 - 1020 + 1021 - 1022 + 1023 -

1024 + 1025) ≥ 0”

“UKUPAN NETO POSLOVNI RASHOD

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1003 - 1004 + 1007 - 1008 + 1009 - 1010 +

1011 - 1012 + 1013 - 1014 + 1015 - 1016 + 1017

-1018 + 1019 - 1020 + 1021 - 1022 + 10231024 + 1025) < 0”

Troškovi zarada, naknada zarada i ostali

lični rashodi

Troškovi amortizacije

Ostali prihodi

Ostali rashodi

“DOBITAK PRE OPOREZIVANjA

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1026 - 1027 - 1028 - 1029 + 1030 – 1031) ≥ 0”

“GUBITAK PRE OPOREZIVANjA

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1026 - 1027 - 1028 - 1029 + 1030 – 1031) < 0”

Porez na dobitak

Dobitak po osnovu odloženih poreza

Net loss in respect of derecognition of in -vestments in affiliated companies and joint ventures Other business revenues

TOTAL NET BUSINESS REVENUES

(result of summation and deduction of the following ADP categories from the income statement: 1003 - 1004 + 1007 -1008 + 1009 - 1010 + 1011 - 1012 + 1013 -1014 + 1015 - 1016 + 1017 -

+

-

+ 1021 - 1022 + 1023 - 1024 + 1025) ≥ 0

TOTAL NET BUSINESS EXPENDITURES

(result of summation and deduction of the following ADP categories from the income statement: 1003 - 1004 + 1007 -1008 + 1009 - 1010 + 1011 - 1012 +

1020 + 1021 - 1022 + 1023 - 1024 + 1025) < 0

Costs of salaries, wages and other personal expenses

Amortisation costs

Other revenues

Other expenditures

PROFIT BEFORE TAX (result of summation and deduction of the following ADP categories from the income statement: 1026

-1027 - 1028 - 1029 + 1030 – 1031) ≥ 0

LOSS BEFORE TAX(result of summation and deduction of the following ADP categories from the income statement: 1026

-1027 - 1028 - 1029 + 1030 –1031) < 0

Profit tax

Profit in respect of deferred taxes

Gubitak po osnovu odloženih poreza

“DOBITAK NAKON OPOREZIVANjA

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha: 1032 – 1033 – 1034 + 1035 - 1036) ≥ 0”

“GUBITAK NAKON OPOREZIVANjA

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1032 – 1033 – 1034 + 1035 - 1036) < 0”

Neto dobitak poslovanja koje se obustavlja

Neto gubitak poslovanja koje se obustavlja

“REZULTAT PERIODA – DOBITAK

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1037 - 1038 + 1039 - 1040) ≥ 0”

“REZULTAT PERIODA – GUBITAK

(rezultat sabiranja, odnosno oduzimanja

sledećih AOP oznaka iz bilansa uspeha:

1037 - 1038 + 1039 - 1040) < 0”

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

Loss in respect of deferred taxes PROFIT AFTER TAX(result of summation and deduction of the following ADP categories from the income statement: 1032 – 1033 – 1034 + 1035 - 1036) ≥ 0

LOSS AFTER TAX(result of summation and deduction of the following ADP categories from the income statement: 1032 – 1033 – 1034 + 1035 - 1036) < 0

Net profit from discontinued operations

Net loss from discontinued operations

RESULT OF THE PERIOD – PROFIT (result of summation and deduction of the following ADP categories from the income statement: 1037 - 1038 + 1039 - 1040) ≥ 0

RESULT OF THE PERIOD – LOSS(result of summation and deduction of the following ADP categories from the income statement: 1037 - 1038 + 10391040) < 0

*Official middle rate of exchange of the dinar against the EUR, as of 31.12.2022, was applied - EUR 1 = RSD 117,3224

Beograd

OTP banka Srbija ad Beograd

Raiffeisen Grupa

Unicredit Bank Srbija ad Beograd

NLB Komercijalna banka ad Beograd

AIK Banka ad Beograd

Banka poštanska štedionica ad Beogra

Erste Bank ad Novi Sad

Eurobank Direktna ad Beograd

ProCredit Bank ad Beograd

Halkbank ad Beograd

Addiko Bank ad Beograd

Alta banka ad Beograd

Bank of China Srbija ad Beograd

Srpska banka ad Beograd

Mobi banka ad Beograd

3 Banka ad Novi Sad

Expobank ad Beograd

API Bank ad Beograd

Mirabank ad Beograd

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

Bank Serbia a.d. Belgrade

NLB Komercijalna bank a.d. Belgrade

AIK Bank a.d. Belgrade

Bank poštanska štedionica a.d. Belgrade

Erste Bank a.d. Novi Sad

Eurobank Direktna a.d. Belgrade

ProCredit Bank a.d. Belgrade

Halkbank a.d. Belgrade

Addiko Bank a.d. Belgrade

Alta bank a.d. Belgrade

Bank of China Srbija a.d. Belgrade

Srpska banka a.d. Belgrade

Mobi bank a.d. Belgrade

3 Bank ad Novi Sad

Expobank a.d. Belgrade

API Bank a.d. Belgrade

Mirabank a.d. Belgrade

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

Banka

Banca Intesa ad Beograd

OTP banka Srbija ad Beograd

AIK Grupa*

Raiffeisen banka Grupa

Unicredit Bank Srbija ad Beograd

NLB Komercijalna banka ad Beograd

Banka poštanska štedionica ad Beograd

Erste Bank ad Novi Sad

ProCredit Bank ad Beograd

Halkbank ad Beograd

Addiko Bank ad Beograd

Alta banka ad Beograd

Bank of China Srbija ad Beograd

Srpska banka ad Beograd

Mobi banka ad Beograd

3 Banka ad Novi Sad

Expobank ad Beograd

API Bank ad Beograd

Mirabank ad Beograd

*posle spajanja AIK i Eurobank direktna

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

Halkbank a.d.Belgrade

Addiko Bank a.d. Belgrade

Alta bank a.d .Belgrade

Bank of China Serbia a.d. Belgrade

Srpska banka a.d. Belgrade

Mobi bank a.d. Belgrade

3 Bank a.d. Novi Sad

Expobank a.d. Belgrade

API Bank a.d. Belgrade

Mirabank a.d. Belgrade

*after the merge of AIK and Eurobank direct

*Official middle rate of exchange of the dinar against the EUR, as of 31.12.2022, was applied - EUR 1 = RSD 117,3224

banka ad Beograd

Raiffeisen banka Grupa

Unicredit Bank Srbija ad Beograd

AIK Banka ad Beograd

Erste Bank ad Novi Sad

Eurobank Direktna ad Beograd

Addiko Bank ad Beograd

Banka poštanska štedionica ad Beograd

Halkbank ad Beograd

ProCredit Bank ad Beograd

3 Banka ad Novi Sad

Alta banka ad Beograd

Mobi banka ad Beograd

Expobank ad Beograd

Srpska banka ad Beograd

Bank of China Srbija ad Beograd

Mirabank ad Beograd

API Bank ad Beograd

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

OTP bank Serbia a.d. Belgrade

Srbija a.d. Belgrade

AIK Banka a.d. Belgrade

Erste Bank a.d. Novi Sad

Eurobank Direktna a.d. Belgrade

Addiko Bank a.d. Belgrade

Banka poštanska štedionica a.d. Belgrade

Halkbank a.d. Belgrade

ProCredit Bank a.d. Belgrade

3 Bank a.d. Novi Sad

Alta bank a.d. Belgrade

Mobi bank a.d. Belgrade

Expobank a.d. Belgrade

Srpska banka a.d. Belgrade

Bank of China Serbia a.d. Belgrade

Mirabank a.d. Belgrade

API Bank a.d. Belgrade

EUR = 117,3224

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1

Srpska banka ad Beograd Bank of China Srbija ad Beograd

Mirabank ad Beograd

API Bank ad Beograd

*posle spajanja AIK i Eurobank direktna

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

bank a.d. Belgrade

bank a.d. Belgrade Expobank a.d. Belgrade

Srpska banka a.d. Belgrade

Bank of China Serbia a.d. Belgrade

Mirabank a.d. Belgrade

API Bank a.d. Belgrade

*after the merge of AIK and Eurobank direct

*Official middle rate of exchange of the dinar against the EUR, as of 31.12.2022, was applied - EUR 1 = RSD 117,3224

OTP banka Srbija ad Beograd

Banca Intesa ad Beograd Raiffeisen Group

Unicredit Bank Srbija ad Beograd

NLB Komercijalna banka ad Beograd

AIK Banka ad Beograd

Erste Bank ad Novi Sad

Eurobank Direktna ad Beograd

Banka poštanska štedionica ad Beograd

ProCredit Bank ad Beograd

Halkbank ad Beograd

Addiko Bank ad Beograd

3 Banka ad Novi Sad

Alta banka ad Beograd

Mobi banka ad Beograd

Expobank ad Beograd

Srpska banka ad Beograd

API Bank ad Beograd

Mirabank ad Beograd

Bank of China Srbija ad Beograd

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

OTP bank Serbia a.d. Belgrade

Bank Intesa a.d. Belgrade

Raiffeisen Group

Unicredit Bank Srbija a.d. Belgrade

NLB Komercijalna bank a.d. Belgrade

AIK Banka a.d. Belgrade

Erste Bank a.d. Novi Sad

Eurobank Direktna a.d. Belgrade

Bank poštanska štedionica a.d. Belgrade

ProCredit Bank a.d. Belgrade

Halkbank a.d. Belgrade

Addiko Bank a.d. Belgrade

3 Bank a.d. Novi Sad

Alta bank a.d. Belgrade

Mobi bank a.d. Belgrade

Expobank a.d. Belgrade

Srpska banka a.d. Belgrade

API Bank a.d. Belgrade

Mirabank a.d. Belgrade

Bank of China Serbia a.d. Belgrade

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

OTP banka Srbija ad Beograd

Banca Intesa ad Beograd

AIK Grupa*

Raiffeisen Grupa

Unicredit Bank Srbija ad Beograd

NLB Komercijalna banka ad Beograd

Erste Bank ad Novi Sad

Banka poštanska štedionica ad Beograd

ProCredit Bank ad Beograd

Halkbank ad Beograd

Addiko Bank ad Beograd

3 Banka ad Novi Sad

Alta banka ad Beograd

Mobi banka ad Beograd

Expobank ad Beograd

Srpska banka ad Beograd

API Bank ad Beograd

Mirabank ad Beograd

Bank of China Srbija ad Beograd

*posle spajanja AIK i Eurobank direktna

*Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2022. godine - 1 EUR = 117,3224

OTP bank Serbia a.d. Belgrade

Banca Intesa a.d. Belgrade

AIK Group*

Raiffeisen Group

Unicredit Bank Srbija a.d. Belgrade

NLB Komercijalna bank a.d. Belgrade

Erste Bank a.d. Novi Sad

Bank poštanska štedionica a.d. Belgrade

ProCredit Bank a.d. Belgrade

Halkbank a.d. Belgrade

Addiko Bank a.d. Belgrade

3 Bank a.d. Novi Sad

Alta bank a.d. Belgrade

Mobi bank a.d. Belgrade

Expobank a.d. Belgrade

Srpska banka a.d. Belgrade

API Bank a.d. Belgrade

Mirabank a.d. Belgrade

Bank of China Serbia a.d. Belgrade

*after the merge of AIK and Eurobank direct

*Official middle rate of exchange of the dinar against the EUR, as of 31.12.2022, was applied - EUR 1 = RSD 117,3224