Srpsko bankarstvo 2021 by Bankarstvo

Udruženje banaka Srbije

BANKARSTVO Specijalni broj

2021

ISSN 2466-5495 l COBISS.SR-ID 109903884

SR P SKO BA N K A R ST VO U 2021. SERBIAN BANKING IN 2021

Beograd 2022. godine

Bankarstvo Specijalno izdanje za 2021. / Special Edition 2021

Godina izdanja / Year of Publishing 51

Bankarstvo www.casopisbankarstvo.rs. «»

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reviewers for the purpose of ethical conduct of all participants in the process of Bankarstvo Journal publication can be found at the Journal’s webpage www.casopisbankarstvo.rs.

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

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Glavni i odgovorni urednik / Editor-in-Chief Vladimir Vasić

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

All papers undergo double blind peer review.

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

Bankarstvo je registrovan u bazama / Bankarstvo Journal is registered in the following databases

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 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

SCIndeks http://scindeks.ceon.rs/journaldetails.aspx?issn=1451-4354

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

EBSCO http://www.ebscohost.com/corporate-research/business-source-corporate-plus

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

DOAJ https://doaj.org/toc/2466-5495

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

CEEOL https://www.ceeol.com/search/journal-detail?id=2494

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

EconBiz https://www.econbiz.de/Record/bankarstvo/10010373502 - online https://www.econbiz.de/Record/bankarstvo/10001863330 - print

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

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

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

ISSN 2466-5495 (Online)

Vesna Milkova - Sekretar 011 30 20 541 Svi članci podležu dvema recenzijama / All articles are reviewed by two independent reviewers

Srpsko bankarstvo 2021

Serbian Banking 2021

SADRŽAJ 8 10 14 18 22 26 30 34 40 44 48 52 56 60 64 68 72 76 80 84 88 92 96 100 102 104 106

NARODNA BANKA SRBIJE UDRUŽENJE BANAKA SRBIJE P.U. 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 AKCIONARSKO DRUŠTVO BEOGRAD BANK OF CHINA SRBIJA A.D. BEOGRAD CRÉDIT AGRICOLE SRBIJA A.D. NOVI SAD EXPOBANK A.D. BEOGRAD ERSTE BANK A.D. NOVI SAD EUROBANK DIREKTNA A.D. BEOGRAD HALKBANK A.D. BEOGRAD NLB KOMERCIJALNA BANKA A.D. BEOGRAD MIRABANK A.D. BEOGRAD MOBI BANKA A.D. BEOGRAD NAŠA AIK BANKA A.D. BEOGRAD 3 BANKA A.D. NOVI SAD OTP BANKA SRBIJA A.D. NOVI SAD PROCREDIT BANK A.D. BEOGRAD RAIFFEISEN BANKA A.D. BEOGRAD SRPSKA BANKA A.D. BEOGRAD UNICREDIT BANK SRBIJA A.D. BEOGRAD KOMISIJA ZA HARTIJE OD VREDNOSTI REPUBLIKE SRBIJE BEOGRADSKA BERZA BILANS STANJA I USPEHA

TABLE OF CONTENTS 9 11 15 19 23 27 31 36 41 45 49 53 57 61 65 69 73 77 81 85 89 93 97 101 103 105 107

NATIONAL BANK OF SERBIA ASSOCIATION OF SERBIAN BANKS B.A. ADDIKO BANK A.D. BELGRADE AIK BANKA A.D. BELGRADE ALTA BANKA A.D. BELGRADE API BANK A.D. BELGRADE BANCA INTESA A.D. BELGRADE POSTAL SAVINGS BANK J.S.C. BELGRADE BANK OF CHINA SRBIJA A.D. BELGRADE CRÉDIT AGRICOLE SRBIJA A.D. NOVI SAD EXPOBANK A.D. BELGRADE ERSTE BANK A.D. NOVI SAD EUROBANK DIREKTNA A.D. BELGRADE HALKBANK A.D. BELGRADE NLB KOMERCIJALNA BANKA A.D. BELGRADE MIRABANK A.D. BELGRADE MOBI BANKA A.D. BELGRADE NAŠA AIK BANKA A.D. BELGRADE 3 BANKA A.D. NOVI SAD OTP BANKA SRBIJA A.D. NOVI SAD PROCREDIT BANK A.D. BELGRADE RAIFFEISEN BANKA A.D. BELGRADE SRPSKA BANKA A.D. BELGRADE UNICREDIT BANK SRBIJA A.D. BELGRADE SECURITIES COMMISSION REPUBLIC OF SERBIA BELGRADE STOCK EXCHANGE REPUBLIC OF SERBIA BALANCE SHEET

Narodna banka Srbije

Srpsko bankarstvo 2021

„Godina za nama bila je puna iskušenja - godina u kojoj smo morali da nastavimo sa odlučnim i ne uvek lakim merama, suočeni sa izazovima bez presedana. Čitav svet se prvi put suočio sa gotovo potpunim prekidom svih vidova saobraćaja, svetskih lanaca snabdevanja i protoka ljudi i robe. I nikoga ne bi zadovoljio argument “viša sila” – svi su očekivali da i u takvim okolnostima pokažemo odgovornost, snagu i mudrost da odgovorimo na sve izazove i potrebe. U takvim neizvesnim vremenima uloga centralne banke važnija je nego ikada pre. U koordinaciji sa Vladom Republike Srbije, doprineli smo očuvanju radnih mesta i predvidivosti poslovnog ambijenta. Nismo zastali pred preprekama, već smo ih uspešno premostili omogućavajući građanima, privredi i državi da i u ovim kriznim vremenima nesmetano funkcionišu. Uprkos brojnim izazovima uzrokovanih pandemijom, Narodna banka Srbije nije dozvolila da makroekonomska stabilnost bilo kog trenutka bude dovedena u pitanje. Posebno moram da naglasim da relativna stabilnost kursa nije ni u jednom trenutku bila ugrožena, čak ni u jeku krize izazvane virusom korona. Garant te stabilnosti predstavlja visok nivo deviznih rezervi, stvoren u periodima pritisaka ka jačanju dinara. Stabilnost deviznog kursa i stabilnost u najširem smislu te reči rezultat je na koji smo naročito ponosni i učinićemo sve da tu stabilnost očuvamo i u narednom periodu jer u ovom poslu nema konačnih pobeda - postoji samo svakodnevni posvećen rad zasnovan na saradnji svih nosilaca ekonomske politike u našoj državi“, ocenila je guverner Jorgovanka Tabaković, govoreći o rezultatima rada NBS u 2021. godini.

National Bank of Serbia

Serbian Banking 2021

“The year behind us abounded in challenges. It was a year in which we had to carry on with decisive and not always easy measures in the face of unprecedented difficulties. For the first time ever, the whole world came to an almost complete halt – transport, global supply chains and the flow of people and goods. No one would have accepted force majeure as an argument. In those circumstances everybody expected us to demonstrate responsibility, strength and wisdom and to respond to all challenges and needs. In such uncertain times, the role of the central bank is more important than ever. In coordination with the Government of the Republic of Serbia, we helped preserve jobs and predictability of the business environment. We did not surrender to obstacles. We successfully bridged them, enabling citizens, businesses and government to function smoothly even in crisis times. Despite numerous challenges caused by the pandemic, the National Bank of Serbia did not allow macroeconomic stability to be brought into question at any point. I want to emphasize in particular that the relative stability of the dinar was never threatened, not even at the height of the coronavirus crisis. A guarantee of that stability if the high level of foreign exchange reserves, built up in times of appreciation pressures on the dinar. Stability of the exchange rate and stability in the broadest sense of that word is a result that we are immensely proud of and we will do everything to maintain that stability going forward as well because there are no final victories – there is only day-to-day dedicated work based on the cooperation of all economic policy makers in our state”, concluded Governor Tabaković, speaking about the National Bank of Serbia’s results in 2021.

Narodna banka Srbije Kralja Petra br. 12, Beograd www.nbs.rs

National Bank of Serbia Kralja Petra br. 12, Belgrade www.nbs.rs 8

Uvodna reč

Srpsko bankarstvo 2021

Uvodna reč

Srpsko bankarstvo 2021

ZAŠTO SVI PUTEVI VODE U BANKARSTVO? Ako je neko sklon tome da bankarstvo posmatra kao bilo koji drugi segment ekonomije, verujem da je u periodu koji je za nama morao da koriguje ovo mišljenje. Možda nikada nije kao danas bilo toliko očigledno koliko je bankarski sistem suštinski vezan za sva fundamentalna ekonomska zbivanja i koliko se krupni događaji na globalnom tržištu moraju voditi uz pomoć banaka, odnosno za njih moraju imati ozbiljne reperkusije. Iako su prošle pune dve godine od izbijanja pandemije kovida, posledice ovog globalnog poremećaja osećaju se na svakom koraku. Usporavanje poslovanja, bez obzira na to da li je reč o potpunom zatvaranju, ili o otežanim uslovima za rad, zapretilo je globalnom nelikvidnošću, pokretanjem lanca insolventnosti, posledično i teškim socijalnim potresima. U takvoj situaciji banke su odigrale krucijalnu ulogu, relaksirajući finansijske izazove građana, a posebno privrede. Kroz različite forme finansijske podrške, kroz odlaganje obaveza i olakšavanje pristupa novcu, omogućeno je svim klijentima banaka da bez velikih lomova prođu kroz zaista nesvakidašnju situaciju. U kovid krizi možda je nedovoljno istaknut psihološki aspekt. Upravo brza reakcija banaka, i stabilnost celokupnog bankarskog sistema, doprineli su izbegavanju panike, jer iracionalne ekonomske odluke najčešće su karakteristične za ovakve krizne situacije. Bankarski sistem u Srbiji tokom čitavog perioda, od 2020. god. do danas, ponaša se kao da je situacija apsolutno redovna i to je jedan od većih komplimenata koje su naše banke mogle da dobiju. I noviji period, od početka 2022. god. ponovo potvrđuje koliko globalne promene ne mogu mimo bankarskog sektora. Posledice pandemije udružene sa geopolitičkim potresima promenile su sliku globalne ekonomije, a ključni efekti prelamaju se preko bankarskog sektora, od koga se očekuju i neki od ključnih odgovora. Pitanja na koje najčešće odgovaramo poslednjih meseci, a tako će biti i u narednima, tiču se inflacije koja je zahvatila čitavu planetu. Odgovor centralnih banaka je jasan, to je podizanje referentnih kamatnih stopa, što pred banke stavlja pitanje cene novca. Najveće interesovanje građana, privrede i medija sada se tiče uslova kreditiranja, poskupljenja kredita, naravno i potencijala koje pruža štednja. Ove odgovore očekuju od banaka.

Naravno da svi navedeni potresi na tržištu, viši troškovi poslovanja, poskupljenje zakupa, veći troškovi plata, utiču na poslovanje samih banaka. Tu je izazov da se održi profitabilnost, naravno tu je i potreba podizanja cena samih bankarskih usluga. I ovo je aspekt koji uvek izaziva veliko interesovanje javnosti i na koje je potrebno razložno i pravovremeno nuditi kvalitetne argumente. Na sve navedene izazove svaka banka odgovara na svoj način. Ono što je opšti trend to je digitalizacija usluga, koja odavno nije stvar izbora. Klijenti su sve bliži sa onlajn i mobilnim bankarstvom, sve bliže smo ispunjenju onog obećanja da je „banka tamo gde ste vi“, a nove generacije neće ni znati za postojanje banke kao institucije u fizičkom smislu reči. Za njih će važiti banka = aplikacija u mobilnom telefonu. Sa druge strane imamo i trend konsolidacije, iz godine u godinu dolazi do spajanja banaka i samim tim do ostvarivanja sinergijskog efekta u poslovanju. Ne želimo da prejudiciramo dalja događanja, takve odluke su isključiva nadležnost akcionara, ali svakako da ne možemo isključiti mogućnost novog ukrupnjavanja u bankarskom sektoru. Kao zaključak, možemo da ponudimo dva kratka pogleda, jedan u prošlost, drugi na ono što nas očekuje. U prethodnom periodu sigurno je da je bankarski sistem potvrdio svoju stabilnost i to je veliki kompliment za sve nas koji u njemu radimo. U narednom periodu jedino izvesno je da nas čekaju velike promene. Koliko budemo spremni ne samo da ih pratimo, već i da ih generišemo i da im idemo u susret – od toga zavisi koliko ćemo biti uspešni.

GENERALNI SEKRETAR

Vladimir Vasić

A word of introduction

Serbian Banking 2021

A word of introduction

Serbian Banking 2021

WHY ALL ROADS LEAD TO BANKING? If someone is inclined to view banking as any other segment of the economy, I believe that the recent period had to have altered their opinion. Perhaps it has never been so obvious as it is now, just how fundamentally the banking system is connected to all fundamental economic events and how major events on the global market must be managed with the help of banks, i.e., they must have serious repercussions for them.

Of course, all the mentioned upheavals in the market, higher operating costs, higher rents, higher salary costs, affect the operations of the banks themselves. There is the challenge of maintaining profitability, while there is also the need to raise the prices of the banking services themselves. And this is an aspect that always arouses great public interest, and on which it is necessary to offer reasonable and worthwhile arguments, in a timely manner.

Although two full years have passed since the outbreak of the COVID pandemic, the consequences of this global disruption are felt at every step. The slowdown in business, regardless of whether it is a complete closure or difficult working conditions, has brought a threat of global insolvency, an initiation of a chain of insolvency, and consequently severe social upheavals. In such a situation, banks played a crucial role, relaxing the financial challenges of citizens, and especially the economy. Through various forms of financial support, through postponement of obligations and facilitation of access to money, it was possible for all bank clients to go through a truly unusual situation without major breakdowns.

Each bank responds to all the mentioned challenges in its own way. The general trend is the digitalisation of services, which has not been a matter of choice for a long time. Clients are getting better acquainted with online and mobile banking, we are getting closer to fulfilling the promise that “the bank is where you are”, and new generations will not even know about the existence of a bank as an institution in the tangible sense of the word. For them the bank = mobile phone application.

Perhaps the psychological aspect was insufficiently highlighted throughout the COVID crisis. It was the quick reaction of the banks, and the stability of the entire banking system, that contributed to avoiding panic, because irrational economic decisions are most often typical for such crisis situations. The banking system in Serbia throughout the entire period, from 2020 to this day, continued to act as if the situation was absolutely normal, and that is one of the biggest compliments our banks could receive. And the more recent period, from the beginning of 2022, reaffirms how global changes cannot bypass the banking sector. The consequences of the pandemic, combined with geopolitical upheavals, have changed the picture of the global economy, and the key effects are reflected through the banking sector, from which some of the key responses are expected. The questions that we have been answering most often in recent months and will continue to do so in the coming period, mostly concern the inflation that has gripped the entire planet. The response of the central banks is clear - raising the benchmark interest rates, which brings up the issue of what the price of money is for the banks. The greatest interest of citizens, the economy, and the media is now the terms of lending, the increase in the price of loans, and of course the potential offered by savings. They expect these answers from the banks.

On the other hand, we also have a trend of consolidation. Each year there are mergers of banks and thus a synergistic effect is established in business. We do not want to presuppose further developments, as such decisions are the sole responsibility of the shareholders, but we certainly cannot rule out the possibility of new consolidations in the banking sector. As a conclusion, we can offer two brief overviews, one of the past, and the other of what awaits us. In the previous period, the banking system has certainly confirmed its stability, and that is a great compliment for all of us who work in it. In the coming period, the only thing certain is that big changes await us. How successful we will be will depend solely on how ready we are to not only to follow them, but also to generate changes and meet them halfway.

SECRETARY GENERAL

Vladimir Vasić

Addiko bank a.d. Beograd

Srpsko bankarstvo 2021

Addiko bank a.d. Belgrade

Serbian Banking 2021

Addiko banka, kao deo Addiko Grupe koja predstavlja međunarodnu finansijsku grupaciju sa sedištem u Beču, razvija poslovanje u regionu, a nakon uspešnog izlaska na berzu i inovativnom ponudom potvrđuje svoju poziciju specijalizovane banke u segmentu građanstva i malih i srednjih preduzeća.

Addiko Bank, as a member of the Addiko Group, an international financial group headquartered in Vienna, develops regional operations, and following a successful IPO, confirms its position as a specialized bank for Retail and SME segments with its innovative offer.

Od samog početka poslovanja, Addiko je posvećena praćenju potreba tržišta. Zahvaljujući tom pristupu, iz godine u godinu unapređuje, razvija i prilagođava svoje bankarske usluge i proizvode potrebama klijenata. Tokom prethodnih godina prepoznata je i kao pionir digitalizacije bankarskih proizvoda i među prvim bankama je u Srbiji koja je u pravom trenutku i na pravi način ponudila širok spektar digitalnih proizvoda visokog kvaliteta, kako fizičkim, tako i pravnim licima.

From the very beginning of its operations, Addiko has been committed to following market needs. Due to such an approach, Addiko improves, develops, and adjusts its banking services and products to the clients’ needs, year after year. In previous years, Addiko was also recognized as a pioneer in the segment of banking product digitalization and one of the first Serbian banks to timely and adequately offer a wide range of high-quality digital products both to the Retail and Corporate segments.

Digitalni segment predstavlja značajan stub strategije Addiko banke, čije će se unapređenje ogledati u daljem pojednostavljivanju procesa uz brigu o vrhunskom korisničkom iskustvu. Pored rasta digitalnih usluga, fokus banke predstavlja i rast kreditiranja kod obe grupe klijenata. Zato se Addiko banka vodi željom i potrebom da za svoje klijente bude fleksibilna i dostupna uvek i svuda, kada god im je neophodan dodatni podsticaj.

The digital segment is an important pillar of the strategy of Addiko Bank which will be improved by further process streamlining, with taking care of providing a superb user experience. In addition to growing digital services, the Bank is also focused on financing growth in both segments of clients. Therefore, Addiko Bank is driven by the desire and need to be flexible and available for its clients always and everywhere, whenever they need an additional impulse.

Addiko banka je ostala dosledna u sprovođenju svoje strategije i pozicioniranju kao specijalizovane banke, a 2021. godinu je obeležilo i pokretanje ambicioznog programa transformacije u cilju obezbeđivanja veće podrške strategiji i uvećanju rasta među fokusnim segmentima.

Addiko Bank has remained consistent in implementing its strategy and positioning as a specialized bank and 2021 featured the initiation of an ambitious transformation program aimed at providing stronger support to the strategy and intensifying growth in focus segments.

Addiko bank a.d. Beograd Milutina Milankovića 7v, Novi Beograd www.addiko.rs

Addiko Bank a.d. Belgrade Milutina Milankovića 7v, Belgrade www.addiko.rs 14

Addiko bank a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Ukupna bilansna aktiva

Name of the bank

Amount in millions of dinars (RSD)

873

Total balance sheet assets

23.336

198

Total capital*

20.545

175

Akcijski kapital

Addiko Bank a.d. Belgrade

Iznos u milionima EUR

102.681

Ukupni kapital*

Serbian Banking 2021

DATA FOR 2021

Addiko Bank a.d. Beograd

Iznos u milionima dinara

Prof. Addiko Almir bank Alihodžić a.d. Belgrade

Equity capital

Amount in millions of euros (EUR)

102,681

873

23,336

198

20,545

175

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

26,1%

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

26.1%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,92%

Return on assets (Profit before tax / Average assets)

0.92%

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

4,05%

Return on equity (Profit before tax / Average total capital)

4.05%

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

546

Number of employees

Centrala, (broj zaposlenih 365)

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

Ekspozitura 36 (broj zaposlenih total 181)

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

546 No of head offices 1 – 365 employees No of branches 36 – 181 employees

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

AIK Banka a.d. Beograd

Srpsko bankarstvo 2021

AIK Bank a.d. Belgrade

Serbian Banking 2021

AIK Banka je jedna od vodećih banaka u Srbiji sa sedištem u Beogradu i tradicijom dugom 45 godina. 2019. godine postaje prva banka iz Srbije koja je iskoračila na tržište Evropske unije, prateći svoje strateško opredeljenje daljeg rasta i širenja poslovanja sa ciljem snažnog pozicioniranja bankarske grupacije u regionu. Jedna je od vodećih finansijskih institucija, sa kompletnom ponudom finansijskih rešenja za privredu i stanovništvo, naprednim digitalnim proizvodima i širokom mrežom filijala.

AIK Banka, seated in Belgrade, is one of the leading banks in Serbia with a 45-year tradition. In 2019, it becomes the first Serbian bank to break into the EU market, in line with its strategic commitment to further growth and expansion of its operations, aiming to strengthen the banking group’s regional position. A leading financial institution, offering a complete range of financial solutions to both corporate and retail clients with advanced digital products and an extensive branch network.

Poslovni uspesi banke i jedinstvene novine u digitalnom bankarstvu u prethodnoj godini nagrađeni su i brojnim internacionalnim priznanjima koja su joj ukazali renomirani svetski magazini The Banker, Global Finance i International Banker.

The Bank’s operational success and unique innovations introduced in digital banking over the previous years have been rewarded by several forms of international recognition received from the following renowned global magazines: The Banker, Global Finance and International Banker.

Prateći globalne trendove u bankarstvu AIK Banka svojim klijentima kontinuirano pruža inovativne usluge i proizvode čime je svoj fokus usmerila ka digitalnom okruženju, omogućavajući najsavremenije korisničko iskustvo i korišćenje bankarskih usluga 24/7 kroz AIK Online platformu.

In keeping with global banking trends, AIK Banka continually provides its clients with innovative services and products, the focus of which is the digital environment. The Bank provides the most stateof-the-art user experience and 24/7 use of banking services via the AIK Online Platform.

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.

Clients can open an account, apply for a loan or payment card, make payments or transfer funds free of charge, exchange foreign currency and utilise various savings products, all without having to visit a branch, simply through their computer or mobile phone.

AIK Banka izuzetan značaj pridaje društveno odgovornim aktivnostima, podržavajući lokalne zajednice u kojima posluje. Posebna pažnja je posvećena porodici i najmlađima, ali i razvoju zelene ekonomije kroz održivo i odgovorno poslovanje.

AIK Banka places a great deal of significance on social responsibility and supports the local communities in which it operates. Special attention is dedicated to the family as an institution and on youths, but also on the development of the green economy through sustainable and responsible operations.

AIK Banka a.d. Beograd Bulevar Mihajla Pupina 115đ, Novi Beograd www.aikbanka.rs

AIK Bank a.d. Belgrade Bulevar Mihajla Pupina 115đ, Belgrade www.aikbanka.rs

AIK Banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Name of the bank

Amount in millions of dinars (RSD)

2.185

Total balance sheet assets

55.054

468

Total capital*

27.196

231

Akcijski kapital

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

AIK banka a.d. Belgrade

Iznos u milionima EUR

256.962

Ukupni kapital*

Serbian Banking 2021

DATA FOR 2021

AIK Banka a.d. Beograd

Ukupna bilansna aktiva

AIK Bank a.d. Belgrade

Equity capital

256,962

2,185

55,054

468

27,196

231

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

20,37%

Amount in millions of euros (EUR)

20.37%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

2,8%

Return on assets (Profit before tax / Average assets)

2.8%

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

12,0%

Return on equity (Profit before tax / Average total capital)

12.0%

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

618

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

Centrala + 50 filijala

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

618

HO + 50 branch offices

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

ALTA banka a.d. Beograd

Srpsko bankarstvo 2021

ALTA Bank a.d. Belgrade

Uspešno završenim procesom privatizacije tokom 2019. godine banka, pod novim imenom ALTA banka, nastavlja svoj četrdesetogodišnji staž u bankarskom sektoru Srbije sa novom energijom, novom vizijom i namerom da bar još četrdeset godina bude finansijski partner od izbora maloj privredi, srednjim preduzećima i građanima Srbije. Kao banka univerzalnog karaktera, ALTA banka u svojoj ponudi ima proizvode i usluge u skladu sa modernim standardima. Zahvaljujući temeljnom poznavanju specifičnosti i mogućnosti lokalnog tržišta banka je spremna da odgovori na sve potrebe poslovanja malih i srednjih preduzeća.

Having successfully completed the privatization process in 2019, the Bank, under the new name, ALTA Banka JSC, continues its forty-year experience in the Serbian banking sector with new energy, new vision and intention to be a preferable financial partner to small businesses, medium-sized companies and citizens of Serbia for at least another forty years. As a bank of universal character, ALTA Banka JSC offers products and services in accordance with modern standards. Thanks to a thorough knowledge of the specifics and possibilities of the local market, the Bank is ready to respond to all the needs of small and medium-sized companies.

ALTA banka zahvaljujući dobrom poznavanju inostranih tržišta, a posebno tržišta zemalja u razvoju i u regionu, je specijalizovana i za podršku realizaciji kompleksnih razvojnih i infrastrukturnih projekata. Fokus na poslovanje sa privrednom je srž poslovne strategije, ali će se u budućem periodu poslovanje banke razvijati i u pravcu poslovanja sa stanovništvom, uz posvećenost unapređenju standarda kvaliteta i modernizaciji procesa, usluga i proizvoda. Partnerski odnos sa sistemom Alta Pay, omogućava ALTA banci širenje geografske pokrivenosti tržišta što će ponudu, koju će činiti inovativni proizvodi, učiniti lako dostupnom većini građana i privrednika Srbije. ALTA banka nastavlja da neguje posvećen odnos prema konceptu korporativne društvene odgovornosti, što potvrđuje našu trajnu orijentaciju na poštovanje univerzalnih etičkih principa koji su osnov naše korporativne filozofije, odnosno trajnu posvećenost potrebama lokalne zajednice.

Thanks to its good knowledge of foreign markets, and especially the markets of developing countries and the region, ALTA Banka JSC specializes in supporting the implementation of complex development and infrastructure projects. The focus on business with the economy is the core of the business strategy, but in the future the Bank’s business will develop in the direction of retail business, with a commitment to improving quality standards and modernizing processes, services and products. The partnership with the Alta Pay system enables us to expand the geographical coverage of the market, which will make our offer, which will consist of innovative products, easily accessible to the majority of citizens and businessmen of Serbia. ALTA Banka JSC continues to nurture a commitment to the concept of corporate social responsibility, which confirms our continuous orientation to respect universal ethical principles that are the basis of our corporate philosophy, i.e. a lasting commitment to the needs of the local community.

ALTA banka a.d. Beograd Bulevar Zorana Đinđića 121, Novi Beograd www.altabanka.rs

Serbian Banking 2021

ALTA Bank a.d. Belgrade Bulevar Zorana Đinđića 121, Belgrade www.altabanka.rs 22

ALTA banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Serbian Banking 2021

DATA FOR 2021

ALTA banka a.d. Beograd

Iznos u milionima dinara

Name of the bank

ALTA banka a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

Ukupna bilansna aktiva

33.243

283

Ukupni kapital*

4.060

3.080

Akcijski kapital

ALTA Bank a.d. Belgrade

Amount in millions of euros (EUR)

Total balance sheet assets

33,243

283

Total capital*

4,060

3,080

Equity capital

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

19,27%

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

19.27%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,04%

Return on assets (Profit before tax / Average assets)

0.04%

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

0,26%

Return on equity (Profit before tax / Average total capital)

0.26%

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

144

Centrala banke + 2 ekspoziture

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

144

Headquarters + 2 branches

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

API Bank a.d. Beograd

Srpsko bankarstvo 2021

Klijenti API Banke a.d. Beograd su renomirane srpske i međunarodne kompanije, kao i fizička lica sa rezidentnim i nerezidentnim statusom. Naši zaposleni kontinuirano rade kako bi ponudili najbolje rešenje u cilju zaštite interesa i zadovoljstva naših klijenata, kao njihov pouzdan partner. API u imenu naše banke označava aplikativni programski interfejs čime se simbolizuje kontinuiran rast i napredak kojem Banka teži, kao i kvalitetnim i inovativnim rešenjima kroz implementaciju najnovijih finansijskih tehnologija koje će predstavljati ključne elemente za dalji razvoj.

API Bank a.d. Belgrade

Serbian Banking 2021

Clients of API Bank a.d. Belgrade are renowned Serbian and international companies, as well as individuals with residents and non-resident status. Bank employees, our clients’ reliable partners, are striving to offer them the best solution to protect their interests and satisfaction. API, as part of the name of our Bank, means the Application Programming Interface, which symbolizes the continuous growth and progress that the Bank strives for, as well as quality and innovative solutions through the implementation of the latest financial technologies that will be key elements for further development.

Naš odnos prema kompanijama odlikuje individualan pristup, multinacionalni tim i profesionalna usluga koju nudimo na više jezika. Na polju proizvoda usmerenih na klijente u privredi, angažovani smo na proširenju ponude usluga za one kompanije koje su uključene u međunarodnu trgovinu. Iza nas je godina koja je donela velike promene na tržištu zbog čega su nam fleksibilnost i brzo donošenje odluka omogućili da budemo pioniri u uvođenju inovacija na određenom polju kreditiranja stanovništva – stambenih kredita za klijente sa primanjima kako u zemlji, tako i u inostranstvu. Ujedno, odlučili smo da pružimo uslugu iznajmljivanja sefova, koja je deficitarna na tržištu, i naš jedini izazovni zadatak bio je da pronađemo odgovarajuće lokacije. Zato smo početkom 2021. godine otvorili novu filijalu u ulici Makedonska 44 koja najbolje odgovara sa stanovišta dostupnosti velikom broju prolaznika u samom centru Beograda, a tokom godine smo uslugu izdavanja sefova proširili i na filijalu u Novom Sadu. API Bank a.d. Beograd Bulevar vojvode Bojovića 6-8, Beograd www.apibank.rs

Our relationship with companies is characterized by an individual approach, a multinational team, and a professional service that we offer in several languages. In the field of products tailored for corporate clients, we are engaged in expanding the range of services for those companies that are involved in international trade. Behind us is a year that has brought great changes in the market, which is why flexibility and quick decision-making have enabled us to be pioneers in introducing innovations in a particular field of retail lending - housing loans for clients with incomes both in the country and abroad. At the same time, we decided to provide a safe deposit box rental service, which is in short supply on the market, and our only challenging task was to find suitable locations. Therefore, at the beginning of 2021, we opened a new branch in 44 Makedonska Street. The location is ideal for a large number of passers-by in terms of accessibility in the centre of Belgrade. During 2021, we expanded the safe deposit box rental service to our Novi Sad branch. API Bank a.d. Belgrade Bulevar vojvode Bojovića 6-8, Belgrade www.apibank.rs

API Bank a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 12.343

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

API Bank a.d. Beograd

Ukupna bilansna aktiva

API Bank a.d. Belgrade

Name of the bank

API Bank a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR 105

1.741

4.632

Total balance sheet assets

12,343

Total capital* Equity capital

Amount in millions of euros (EUR) 105

1,741

4,632

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

21,68%

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

21.68%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

-0,02%

Return on assets (Profit before tax / Average assets)

-0.02%

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

-0,11%

Return on equity (Profit before tax / Average total capital)

-0.11%

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

Centrala + 3 filijale

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Head office + 3 branches

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

Banca Intesa a.d. Beograd

Srpsko bankarstvo 2021

Banca Intesa a.d. Belgrade

Serbian Banking 2021

Banca Intesa ad Beograd, članica Intesa Sanpaolo grupe, je vodeća banka na domaćem tržištu, pouzdan partner za 1,37 miliona klijenata, fizičkih i pravnih lica. Sa neto bilansnom sumom od približno 6,6 milijardi evra, ukupnim depozitima od 4,9 milijarde evra i ukupnim plasmanima od 3,9 milijarde evra, Banca Intesa predvodi listu najuspešnijih banaka u Srbiji, u pogledu: ukupne aktive, ukupnih depozita, kao i ukupnog nivoa kapitala. Poslovni uspeh banke nagrađen je i velikim brojem internacionalnih priznanja koja su joj ukazali prestižni časopisi The Banker, Euromoney i Global Finance.

Banca Intesa ad Beograd, member of Intesa Sanpaolo Group, is a leading bank in the domestic market, a reliable partner of 1.37 million clients, natural persons and legal entities. With a net balance sum of close to EUR 6.6 billion, EUR 4.9 billion in total deposits and EUR 3.9 billion in total loans, Banca Intesa is at the helm of the list of the most successful banks in Serbia in terms of: total assets, total deposits, as well as the total level of capital. The bank’s business success has been rewarded with a number of international awards handed by prestigious magazines The Banker, Euromoney and Global Finance.

Zahvaljujući razvijenoj poslovnoj mreži koju čini 147 ekspozitura širom Srbije, najrazvijenijoj mreži bankomata i POS terminala, kao i profesionalnom timu od preko 3.000 zaposlenih, banka ostvaruje stabilne rezultate u svim oblastima poslovanja razvijajući aktivnosti u segmentu poslovanja sa stanovništvom i malim biznisom, privredom i lokalnim samoupravama. Banca Intesa svojim klijentima stavlja na raspolaganje inovativne proizvode, vrhunsku uslugu i jedinstveni spoj razvijene poslovne mreže i digitalnih servisa, dok se poslovna mreža kontinuirano unapređuje kroz poboljšanje servisnog modela koji obezbeđuje da usluga bude relevantna i efikasna, kao i organizaciju prostora u kojem se pruža usluga, sa fokusom na iskustvo klijenta. Na svim tačkama kontakta, banka nudi spoj tradicionalnog bankarstva i inovacija zasnovanih na razumevanju potreba klijenata i praćenju aktuelnih trendova u bankarskoj industriji.

Owing to a developed business network comprised of 147 branches all over Serbia, the most developed network of ATMs and POS terminals, as well as a professional team of over 3,000 employees, the bank achieves stable results in all fields of operation, developing its activities in the retail, small business, corporate and local self-government segments. Banca Intesa makes innovative products, top service and a unique combination of developed business network and digital services available to its clients, while the business network is continuously improved by improving the service model that ensures that the service is relevant and efficient, as well as the organization of service space, with a focus on the client experience. At all points of contact, the bank offers a blend of traditional banking and innovation based on understanding customer needs and following current trends in the banking industry.

Kao vodeća banka na tržištu, Banca Intesa posvećena je pružanju podrške lokalnoj privredi i građanima, kao i zajednici u kojoj posluje više od 17 godina. U duhu odgovorne kompanije, tokom 2021. godine nastavila je da radi na jačanju kulture različitosti, ali inkluziji i unapređenju kvaliteta života dece i mladih kroz podršku Fondaciji SOS Dečija sela i Domu za decu i omladinu bez roditeljskog staranja „Spomenak“ Pančevo. Sa ciljem povećanja kapaciteta i unapređenja kvaliteta usluga zdravstvenih institucija, donirala je Institutu za javno zdravlje ,,Dr Milan Jovanović Batut“ i Institutu za virusologiju, vakcine i serume „Torlak“ u zemlji. Izdvajanjem dodatnih resursa nastojala je da pomogne društvu i doprinese naporima lokalne zajednice u nastavku globalne borbe protiv korona virusa.

As a market leader, Banca Intesa has been dedicated to extending its support to the local economy and citizens, as well as the community in which it has been doing business for the last 17 years. As a responsible company, during 2021 the Bank continued to fortify the culture of diversity, inclusion and improvement of quality of life for children and youth through support to the SOS Children’s Villages Serbia and Children’s Home “Spomenak”, in Pančevo. With an aim to increase the capacity and improve the quality of health institution’s services, the Bank donated to the Institute of Public Health of Serbia “Dr Milan Jovanovic Batut” and the Institute of Virology, Vaccines and Sera “Torlak”. By allocating additional resources, bank sought to help society and contribute to the ongoing efforts of the local community in the global fight against coronavirus.

Banca Intesa a.d. Beograd Milentija Popovića 7b, Beograd www.bancaintesa.rs

Banca Intesa a.d. Belgrade Milentija Popovića 7b, Belgrade www.bancaintesa.rs 30

Banca Intesa a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Banca Intesa a.d. Belgrade

Serbian Banking 2021

DATA FOR 2021

Banca Intesa a.d. Beograd

Iznos u milionima dinara

Name of the bank

Banca Intesa a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

Amount in millions of euros (EUR)

Ukupna bilansna aktiva

745.570

6.341

Total balance sheet assets

745,570

6,341

Ukupni kapital*

119.042

1.012

Total capital*

119,042

1,012

41.748

355

41,748

355

Akcijski kapital

Equity capital

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

19,3%

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

19.3%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

1,6%

Return on assets (Profit before tax / Average assets)

1.6%

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

10,4%

Return on equity (Profit before tax / Average total capital)

10.4%

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

3.023

Number of employees

Centrala + 147 ekspozitura + 4 centra za stambene kredite + 11 kancelarija za stambene kredite

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

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

3,023 Headquaters + 147 branches + 4 mortgage loan centers + 11 mortgage loan offices

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

Banka Poštanska štedionica, akcionarsko društvo, Beograd

Srpsko bankarstvo 2021

Serbian Banking 2021

Postal Savings Bank j.s.c. Belgrade

Логотип поводом обележавања 100 година БПШ

Основни логотип примена на светлој површини

Најдуже се знамо

Jubilarna 2021. godina, u kojoj je Banka Poštanska štedionica zaokružila svoj prvi vek odgovornog poslovanja, među najznačajnijim je u bogatoj istoriji Banke, imajući u vidu sve Основни логотип примена на тамној површини strateške, kao i važne državne projekte koje je sprovela.

The jubilee year 2021, in which Postal Savings Bank rounded its first century of responsible operations, was among the most significant years in the rich history of the Bank, bearing Основни логотип примена на тамној површини in mind all strategic and important state projects it carried out.

Prethodnu godinu Banka je završila sa profitom. Nastavljen je i vrlo dinamičan organski rast bilansne sume, kao i rast kreditnog portfolija u segmentu poslovanja sa stanovništvom i korporativnim klijentima.

The Bank ended the previous year with a stated profit. A very dynamic organic growth of the total assets continued, as well as the loan portfolio growth in the segment of retail and corporate operations.

Svesni činjenice da trenutni izvori rasta nisu neiscrpni i da ne mogu trajati u nedogled, potencijale rasta za naredni period BPŠ Banka je prepoznala i u akvizicijama finansijskih entiteta, kako na domaćem, tako i na regionalnom tržištu. Pripajanjem MTS banke 01. jula prošle godine Banka je dobila savremene digitalne servise i novi osnovni bankarski softver. Osnovni cilj koji je u poslovanju ostvaren ovim pripajanjem je daleko jači sinergijski efekat od prostog zbira komparativnih prednosti koje je svaka od dve banke imala pojedinačno.

Aware of the fact that the current sources of growth are not inexhaustible and that they cannot last forever, Postal Savings Bank recognized its growth potentials for the next period in the acquisitions of financial entities not only in domestic, but in regional markets as well. By merging with MTS bank on 1 July last year, the Bank obtained modern digital services and a new core banking software. The basic goal achieved in the operations by this merging is a far stronger synergetic effect than a simple sum of comparative advantages that Кабинет Извршног одбора each of these two banks had individually.

Најдуже се знамо

Кабинет Извршног одбора Одељење за маркетинг и односе са јавношћу

13. новембар 2020. Akvizicija Komercijalne banke a.d. Banja Luka završena je 09. decembra kupoprodajnom transakcijom na Banjalučkoj berzi, čime je BPŠ Banka proširila poslovanje u region, s ciljem da bude svojevrsan finansijski autoput između Srbije i Republike Srpske.

Најдуже се знамо

Одељење за маркетинг и односе са јавношћу 13. новембар 2020.

The acquisition of Komercijalna banka a.d. Banja Luka ended on 9 December with the purchase and sale transaction on the Banja Luka stock exchange, whereby Postal Savings Bank extended its operations in the region with the aim to become a unique financial highway between Serbia and Republika Srpska.

Dijaspori i ostalima koji su vezani za Srbiju, Banka se približila projektom TIZI, prvom nacionalnom platformom za slanje novca iz inostranstva u Srbiju.

The bank drew closer to the diaspora and to those related with Serbia with the TIZI project, the first national platform for sending money from abroad to Serbia.

Povodom 100 godina postojanja, Banka Poštanska štedionica je na Dan državnosti 2022. godine odlikovana Sretenjskim ordenom drugog stepena za naročite zasluge i postignute rezultate u javnim i privrednim delatnostima. Ovo odlikovanje je veliki podsticaj i još veća obaveza Banke, zalog za narednu stogodišnjicu u kojoj treba da korača odgovorno i sigurno, da stalno napreduje i bude izlog u kojem se najbolje vidi koliko i država napreduje i postaje još modernija i bolja.

On the occasion of 100 years of its existence, on the National Day in 2022, Postal Savings Bank was awarded with the second class Sretenje Order for special merits and results achieved in public and corporate activities. This award is a big stimulus and even greater obligation, a pledge for the Bank to continue conducting its operations in a responsible and safe manner in the century to come, to make a constant progress and be a showcase in which it could be seen best how much the country is progressing and becoming even more modern and better.

Banka Poštanska štedionica, akcionarsko društvo, Beograd Kraljice Marije 3, Beograd www.posted.co.rs

Postal Savings Bank j.s.c. Belgrade Kraljice Marije 3, Belgrade www.posted.co.rs 35

Banka Poštanska štedionica, akcionarsko društvo, Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

DATA FOR 2021

Banka Poštanska štedionica, akcionarsko društvo, Beograd

Iznos u milionima dinara Ukupna bilansna aktiva

2.961

28.737

244

20.924

178

Akcijski kapital

Name of the bank

Postal Savings Bank j.s.c. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

348.120

Ukupni kapital*

Serbian Banking 2021

Postal Savings Bank j.s.c. Belgrade

Total balance sheet assets Total capital* Equity capital

Amount in millions of euros (EUR)

348,120

2,961

28,737

244

20,924

178

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

17,6%

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

17.6%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,7%

Return on assets (Profit before tax / Average assets)

0.7%

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

7,9%

Return on equity (Profit before tax / Average total capital)

7.9%

Broj zaposlenih

2.563

Number of employees

2,563

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

Centrala 6 regionalnih centara 24 filijala 163 ekspoziture 39 samostalnih šaltera

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Head office 6 regional centers 24 branches 163 branch offices 39 outlets

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

Bank of China Srbija a.d. Beograd

Srpsko bankarstvo 2021

Bank of China Srbija a.d. Beograd

Srpsko bankarstvo 2021

Više od 90 kompanija je uspostavilo poslovnu saradnju sa Bankom. Neke od njih su Telekom Srbija, Aerodrom Beograd, HBIS Smederevo, Zijin Bor, Huawei Technology i druge. Na kraju 2021. godine, ukupni poslovni zajmovi su iznosili više od milijardu dolara, što predstavlja rast od 27% u poređenju sa prethodnom godinom. Akumulirani obim poslovnih realizovanih transakcija u platnom prometu je dostigao 4 milijarde USD, što predstavlja rast od 201% u odnosu na isti period prethodne godine; RMB prekogranična saradnja je dostigla 2 milijarde juana, što je 4,2 puta više od prethodne godine. U proteklom periodu, Banka se bavila optimizacijom i unapređenjem poslovne mreže. Unapređena je obrada platnih transakcija, automatizovana obrada malih uplata sa poreskom implikacijom. Banka je uspešno otpočela sa radom na optimizaciji priliva u skladu sa srpskim šiframa osnova, kontrolu velikih iznosa platnog prometa, optimizovala cut-off vreme, prinudnu naplatu i obradu istovremenih transakcija. Mnogobrojne funkcionalnosti su obezbedile sigurno i efikasno funkcionisanje online platnog prometa i prinudne naplate. Stopa pokrića i stopa iskorišćenja online platnog prometa značajno je porasla.

Bank of China Srbija, predstavlja sponu između Kine i Srbije, pružajući investicione prilike i poslovne pogodnosti za kineske kompanije u Srbiji. U isto vreme, Banka omogućava srpskim kompanijama da posluju sa Kinom na brži i efikasniji način. Govoreći, do sada najuspešniji primer, svakako, jeste privatizacija kompanije RTB Bor. Ovaj proces je sproveden uz podršku Bank of China i od trenutka privatizacije, Banka je nastavila da prati i podržava poslovanje kompanije Zijin Group. Banka podržava i podstiče ekološki prihvatljive projekte, poput projekta zelenog rudarstva u Srbiji, u okviru kojeg Banka obezbeđuje podršku u izgradnji Zijin rudnika bakra i zlata Peki gradeći vodeći projekat u oblasti zelenog rudarstva, ciljem njegove lakše nadogradnje u zeleni rudnik i postrojenje za preradu rude. Ovi projekti su dali veliki doprinos pozicioniranju Srbije na drugo mesto najvećih proizvođača rude bakra u Evropi, vodeći računa o ekološkim standardima i održivom razvoju. BOC, takođe, podržava najvažnije infrastrukturne projekte. Banka je uspešno odobrila preko 200 miliona evra kreditnih linija za izgradnju postrojenja za preradu otpadnih voda u 11 gradova u Srbiji, u saradnji sa kompanijom CRBC, podržavajući na taj način razvoj Srbije u pogledu finansiranja zelenih projekata i promociji zelene industrije kroz konkretne akcije. 38

Banka aktivno pruža usluga finansiranja i plaćanja lokalnim privrednim društvima. Telekom SrbijaHuawei ALL-IP druga etapa je finansiranja zajedno sa BOC Hungarian Branch i China Exim bankom. U ovom procesu, BOC Srbija vodi eskrow račun. Sa aspekta izvoza, fokus našeg poslovanja nisu samo velike kompanije, već i mala i srednja preduzeća. Gotovo svake godine, održavaju se forumi za povezivanje privrednika u okviru Samita Kine i zemalja Centralne i Istočne Evrope koje inicira BOC i tom prilikom, naša Banka je organizovala učešće desetina malih i srednjih preduzeća iz Srbije, pružajući time nove poslovne prilike i srpskim i kineskim kompanijama. Banka je, takođe, organizovala i pomogla srpskim kompanijama da uzmu učešće i na onlajn kantonskom sajmu, pružajući im mogućnost da direktno komuniciraju sa kineskim kompanijama, u cilju izvoza iz Srbije u Kinu. U budućnosti, Banka za cilj ima povećanje podrške kineskim investitorima na lokalnom tržištu, aktivnu pomoć srpskim kompanijama u njihovim poslovnim aktivnostima i podršku Vladi Srbije u važnim infrastrukturnim projektima. Bank of China Srbija a.d. Beograd Bulevar Zorana Đinđića 2a, Novi Beograd www.bankofchina.com 39

Bank of China Serbia a.d. Belgrade

Serbian Banking 2021

Bank of China Serbia a.d. Belgrade

Serbian Banking 2021

More than 90 companies have established business relations with the Bank, such as Telekom Srbija, Belgrade Airport, HBIS Smederevo, Zijin Bor, Huawei Technology, etc. By the end of 2021, corporate loans in total surpassed USD 1 billion, an increase of 27% compared to the previous year. The volume of the accumulated international settlement reached USD 4 billion, an increase of 201% over the same period last year; the completed cross-border RMB business reached RMB 2 billion yuan, 4.2 times that of last year. Meanwhile, the Bank has continued to optimize and improve other aspects of its services. The processing of financial payment remittances has been upgraded, while fully automatic processing and processing of tax-related small-value remittances have been achieved. The Bank has successively optimized inward Serbian characters, control of large-amount remittances, cut-off time, as well as mandatory collection and concurrent transactions. Online banking remittance and forced collection business have been realized reliably and efficiently. The coverage and usage rates of online banking have grown rapidly.

Bank of China (Serbia), acting as a bridge between China and Serbia, provides investment opportunities and business convenience for Chinese companies in Serbia and facilitates Serbian companies in doing business with China in a faster and more efficient way. Speaking of realized investments in Serbia, one must point to the most successful example so far, which is the acquisition of RTB Bor. This was handled with the support of Bank of China and since then the bank has been providing full support to the Zijin Group. The Bank supports environmentally friendly projects, such as the green mine projects in Serbia, in which the Bank provided its support for the construction of Zijin Mining‘s Peki copper-gold mine and building a benchmark project for green mines. These projects have greatly contributed to Serbian upgrade to the second-largest copperproducing country in Europe while pursuing green and sustainable development. BOC Serbia supports important infrastructural projects, too. The Bank successfully approved over EUR 200 million of export credit lines for the municipal sewage treatment projects in 11 cities in Serbia built by the CRBC, supporting Serbia‘s development of green finance and promoting green industries with concrete actions

The Bank actively provides financing and settlement to local companies. Telekom Srbija-Huawei ALLIP second phase is financed together by BOC Hungarian Branch and China EXIM Bank, while BOC Serbia was holding the Escrow Account. As for export business, the Bank focuses not only on the large companies but also the SMEs. In the last couple of years, a match-making Forum under the Summit of China and Central and Eastern European Countries (initiated by BOC), was held on a regular yearly basis. The Bank enabled numerous SMEs from Serbia to attend the Summit, thus providing them with new business opportunities that could be successfully realized with Chinese companies. The Bank also organized Serbian companies to attend Online Canton Fair, directly linking them to Chinese companies for the benefit of increasing Serbian export to China. In the future, our Bank aims to continually increase its support for Chinese investors in the local market, actively aid Serbian companies in their business activities, and provide support to the Serbian Government in important infrastructural projects. Bank of China Serbia a.d. Belgrade Bulevar Zorana Đinđića 2a, Belgrade www.bankofchina.com 41

Bank of China Srbija a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 24.020

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Bank of China Srbija a.d. Beograd

Ukupna bilansna aktiva

Bank of China Serbia a.d. Belgrade

Name of the bank

Bank of China Serbia a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR 204

1.845

1.844

Total balance sheet assets

24,020

Total capital* Equity capital

Amount in millions of euros (EUR) 204

1,845

1,844

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

37,48%

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

37.48%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,45%

Return on assets (Profit before tax / Average assets)

0.45%

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

4,56%

Return on equity (Profit before tax / Average total capital)

4.56%

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

Centrala

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Head office

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

Credit Agricole Banka Srbija a.d. Novi Sad

Srpsko bankarstvo 2021

Crédit Agricole Bank of Serbia a.d. Novi Sad

Serbian Banking 2021

Na domaće bankarsko tržište Crédit Agricole Srbija je došla 2005. godine sa fokusom na sektore poslovanja sa stanovništvom, korporativnih i agro kredita.

Crédit Agricole Bank entered the Serbian banking market in 2005 with a focus on the retail, corporate and agro-credit sectors.

Kako bi se ostvarili dugoročno održiv rast i izgradnja kvalitetnog odnosa sa strankama, u CAS banci se od početka kontinuirano radilo na usavršavanju proizvoda i usluga, ocenjenih od strane klijenata kao korisnih.

In order to achieve long-term sustainable growth and build a quality relationship with customers, CAS Bank has continuously worked, from the beginning, to improve products and services, rated by customers as useful.

Do 2022. godine banka je poslovala u 74 filijale širom Srbije, sa skoro 900 zaposlenih i više od 300 hiljada klijenata, sa konstantnim porastom klijentske baze.

Until 2022, the bank operated in 74 branches throughout Serbia, with almost 900 employees and more than 300 thousand clients, with a constant increase in the client base.

Od 01. aprila ove godine CAS je nastavila poslovanje kao deo Raiffeisen bankarske grupacije nakon akvizicije. Pripajanjem Raiffeisen banci klijenti CAS dobijaju još kvalitetniju i inovativniju uslugu, i superiorno korisničko iskustvo u jednoj od najvećih banaka na domaćem tržištu.

As of April 1st, this year, CAS continued to operate as part of the Raiffeisen Banking Group after the acquisition. By merging with Raiffeisen Bank, CAS clients receive an even better and more innovative service, and a superior customer experience in one of the largest banks in the domestic market.

Credit Agricole Banka Srbija a.d. Novi Sad Braće Ribnikara 4-6, Novi Sad www.creditagricole.rs

Crédit Agricole Bank of Serbia a.d. N. Sad Braće Ribnikara 4-6, N. Sad www.creditagricole.rs 44

Credit Agricole Banka Srbija a.d. Novi Sad

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 166.767

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Credit Agricole Banka Srbija a.d. Novi Sad

Ukupna bilansna aktiva

Crédit Agricole Bank of Serbia a.d. Novi Sad

Name of the bank

Crédit Agricole Bank of Serbia a.d. N.Sad

Amount in millions of dinars (RSD)

Iznos u milionima EUR 1.418

15.383

131

10.661

Total balance sheet assets

166,767

Total capital* Equity capital

Amount in millions of euros (EUR) 1,418

15,383

131

10,661

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

17,24%

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

17.24%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

1,07%

Return on assets (Profit before tax / Average assets)

1.07%

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

13,77%

Return on equity (Profit before tax / Average total capital)

13.77%

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

878

2 lokacije, 74 filijale

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

878 2 locations, 74 branches

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

Expobank a.d. Beograd

Srpsko bankarstvo 2021

Expobank JSC Belgrade

Serbian Banking 2021

Expobank a.d. Beograd je moderna organizacija čiji je cilj pružanje visokokvalitetnih bankarskih proizvoda i usluga, kao i proširenje baze zadovoljnih klijenata. Ponosni smo na moderan način poslovanja, sa individualnim pristupom i posvećenošću svakom klijentu. Iako je 2021. godina bila izazovna za bankarski sektor zbog pandemije virusa Korona, nastojali smo da obezbedimo kontinuitet poslovanja, olakšamo apliciranje za proizvode našim klijentima, odgovorimo na njihove potrebe na vreme i opravdamo poverenje koje su nam ukazali.

Expobank JSC Belgrade is a modern organization whose goal is to provide high quality banking products and services, as well as to expand the base of satisfied customers. We are proud of our modern way of doing business, with an individual approach and commitment to each client. Although 2021 was a challenging year for the banking sector due to the Corona virus pandemic, we strived to ensure business continuity, facilitate the product-applying process for our customers, respond to their needs in a timely manner and justify the trust they have placed in us.

Više nego ikad, fokus je bio na klijentima i praksi društveno odgovornog bankarstva. Za postignute rezultate, pored naših vernih klijenata, zaslužni su svi naši posvećeni i odgovorni zaposleni, zajedno sa rukovodstvom banke. Sa visokim pokazateljem adekvatnosti kapitala od 32,24% i regulatornim kapitalom od 27,5 miliona evra Expobank a.d. Beograd ima stabilnu osnovu za buduće uspehe i odlične rezultate kojima težimo.

More than ever, the focus has been on clients and the practice of socially responsible banking. In addition to our loyal clients, all our dedicated and responsible employees, together with the bank’s management, are responsible for the achieved results. With a high capital adequacy ratio of 32.24% and regulatory capital of 27.5 million euros, Expobank JSC Belgrade has a stable basis for future successes and excellent results that we strive for.

Expobank a.d. Beograd Dalmatinska 22, 11000 Beograd www.expobank.rs

Expobank JSC Belgrade Dalmatinska 22, 11000 Belgrade www.expobank.rs 48

Expobank a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Expobank JSC Belgrade

Serbian Banking 2021

DATA FOR 2021

Expobank a.d. Beograd

Iznos u milionima dinara

Name of the bank

Expobank JSC Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

Amount in millions of euros (EUR)

Ukupna bilansna aktiva

16.771

142.63

Total balance sheet assets

16,771

142,63

Ukupni kapital*

3.384

28.78

Total capital*

3,384

28,78

8.549

72.71

8,549

72,71

Akcijski kapital

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

Equity capital

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

32,79%

32.79%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,17%

Return on assets (Profit before tax / Average assets)

0.17%

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

0,82%

Return on equity (Profit before tax / Average total capital)

0.82%

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

129

Centrala - 1 Filijala – 5 Eskpozitura -1

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

129 Head Office - 1 Branches – 5 Cash offices -1

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

Erste Bank a.d. Novi Sad

Srpsko bankarstvo 2021

Erste Banka je najstarija finansijska institucija u zemlji, osnovana 1864. godine kao prva štedionica (Novosadska štedionica). Godine 2005. postala je članica Erste Grupe, koja je osnovana 1819. 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. Nastavljamo sa širenjem baze zadovoljnih klijenata i povećavamo tržišno učešće u ključnim segmentima.

Erste Bank a.d. Novi Sad

Serbian Banking 2021

Erste Bank is the oldest financial institution in the country, established in 1864 as the first savings bank (Novosadska štedionica). In 2005, Novosadska Banka became a member of Erste Group, which was founded in 1819. Our focus is on doing business with individuals, local communities and small and medium-sized enterprises. We insist on the speed and quality of our services, thus contributing to a stable and sound growth of our customers. We continue to expand the satisfied customer base and increase our market share in key segments.

Trudeći se da odgovorimo na sve potrebe naših klijenata, pomeramo granice u oblastima elektronskog bankarstva na finansijskom tržištu Srbije. Erste Banka u Srbiji nastavlja da sledi principe svojih osnivača i pruža podršku klijentima da, verujući u svoje ideje i potencijale, donose dobre finansijske odluke - kako za sebe i svoje bližnje, tako i za rast i razvoj svojih poslovnih poduhvata. Da bismo pružili najbolju finansijsku podršku svojim klijentima, gradimo banku budućnosti. U 2021. godini ostvareni su snažni poslovni rezultati. Za nama je još jedna godina puna izazova u kojoj smo pokazali koliko su važni fleksibilnost, razumevanje i podrška kako bi klijenti bili sigurni da mogu da se oslone na nas. Pozitivan rezultat u svim aspektima poslovanja je dokaz da oni čvrsto veruju da smo sposobni da im obezbedimo proizvode i usluge u skladu sa njihovim potrebama i da nas doživljavaju kao istinske partnere. Ovakav rezultat ne bi mogao da bude ostvaren bez izuzetne posvećenosti svih zaposlenih koji kroz svoju ulogu finansijskih savetnika obezbeđuju rešenja po meri klijenata i na taj način im pomažu da unaprede uslove života i poslovanja. Erste Bank a.d. Novi Sad Bulevar oslobođenja 5, Novi Sad www.erstebank.rs

Striving to respond to all needs of our customers, we push the boundaries in the areas of e-banking and card business in the financial market of Serbia. Erste Bank in Serbia continues to follow its founders’ principles and offers support to clients so that, believing in their ideas and potential, they make sound financial decisions – both for themselves and their loved ones, and the growth and development of their business ventures. In order to provide the best financial support to our clients, we are building the bank of the future. Another challenging year behind us in which we have shown how important flexibility, mutual understanding and support are, so that our clients can be assured that they can rely on us. Positive results in all aspects of business are a proof that they strongly believe in our capability to offer them products and services based on their needs and, thus, think of us as their true partners. This result would not be possible without the extraordinary commitment of all employees who act as financial advisor to offer solutions that not only fit to their needs but also to enable them to improve their lives and business. Erste Bank a.d. Novi Sad Bulevar oslobođenja 5, Novi Sad www.erstebank.rs

Srpsko bankarstvo 2021

Erste Bank a.d. Novi Sad

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Name of the bank

2,718

37.300

317

17.812

151

Akcijski kapital

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

Erste Bank a.d. Novi Sad

Amount in millions of dinars (RSD)

Iznos u milionima EUR

319.597

Ukupni kapital*

Serbian Banking 2021

DATA FOR 2021

Erste Bank a.d. Novi Sad

Ukupna bilansna aktiva

Erste Bank a.d. Novi Sad

Total balance sheet assets Total capital* Equity capital

Amount in millions of euros (EUR)

319,597

2,718

37,300

317

17,812

151

18,72%

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

18.72%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,83%

Return on assets (Profit before tax / Average assets)

0.83%

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

6,91%

Return on equity (Profit before tax / Average total capital)

6.91%

Broj zaposlenih

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

1.150

Number of employees

Centrala: 525; Filijale: 432; Služba upravljanja aktivom i pasivom: 6; Služba finansiranja nekretnina: 7; Sektor poslova sa pravnim licima: 48; Poslovi sa stanovništvom – prodaja: 81; Poslovi sa stanovništvom klijenti: 32; Sektor finansijskih tržišta: 19;

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

1,150 Back office cost centers: 525; Branches: 432; Active and passive management: 6; Real estate financing service: 7; Corporate: 48; Retail: 81; Retail-clients: 32; Sector for financial market: 19;

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Eurobank Direktna a.d. Beograd

Srpsko bankarstvo 2021

Eurobank Direktna predstavlja jednu od najsnažnijih finansijskih organizacija u zemlji sa ukupnom aktivom od 2,4 milijarde evra (na dan 31.12.2021). U decembru 2021. godine, Eurobank je uspešno sprovela proces pravnog pripajanja Direktne Banke i počela poslovanje pod novim imenom – Eurobank Direktna a.d. Objedinjena Banka reflektuje sinergiju dve snažne finansijske institucije koja svojim klijentima nudi kompletnu ponudu modernih finansijskih proizvoda i usluga kroz poslovnu mrežu od 96 ekspozitura i 5 centara za rad sa privredom. Kao jedan od lidera u oblasti inovativnih rešenja i korisničkih e-platformi, Eurobank Direktna promoviše digitalnu transformaciju kroz savremene usluge poput prenosa sredstava putem broja mobilnog telefona i projekta „Moji podaci za Banku”.

Eurobank Direktna a.d. Belgrade

Serbian Banking 2021

Eurobank Direktna is one of the leading financial institutions in the Serbian market with the total assets of EUR 2.4 billion (as of 31/12/2021). In December 2021, Eurobank successfully completed the process of legal merger with Direktna Banka and started operating as Eurobank Direktna a.d. The combined bank reflects a synergy of the two strong financial institutions offering a comprehensive portfolio of up-to-date financial products and services via network of 96 branches and 5 corporate banking centres. As one of the leaders in terms of innovative solutions and user-friendly e-platforms, the Bank continued to promote digital transformation through services such as transfer of funds using the mobile phone number and the project „My Data for the Bank”.

Corporate social responsibility is an integral part of Eurobank Direktna business strategy. During 2021, the Bank continued its support of Serbia’s healthcare system by donating funds exceeding RSD 1.2 million to the Neonatal Hospital Unit in Kragujevac for the procurement of incubators.

Korporativna društvena odgovornost je integralni deo strategije poslovanja Eurobank Direktne. Tokom 2021. godine, Banka je nastavila da podržava zdravstveni sistem Srbije donacijom od preko 1,2 miliona dinara Centru za neonatologiju u Kragujevcu za nabavku inkubatora. U 2021. godini nastavljen je projekat „Škola kao nacrtana za Vas“ koji Eurobank Direktna realizuje uz podršku Ministarstva prosvete, nauke i tehnološkog razvoja, a tri kabineta u srednjim ekonomskim školama opremljena su novom IT opremom u ukupnoj vrednosti od 3,5 miliona dinara. Ovaj projekat nagrađen je priznanjem „Kampanja sa svrhom“. Za podršku kampanji „Spasimo hranu, spasimo humanost” Eurobank Direktna je dobila nagradu Foruma za odgovorno poslovanje za izuzetan doprinos u postizanju ciljeva održivog razvoja za 2021. godinu koju dodeljuje Koalicija za dobročinstvo.

In 2021, the project “A School Designed for You” was successfully continued by Eurobank Direktna with the support of the Ministry of Education, Science and Technological Development as classrooms in three high schools were furnished with brand new IT equipment worth RSD 3.5 million. For the support to the campaign “Save Food, Save Humanity”, our Bank received the award of the Responsible Business Forum that acknowledged the exceptional contribution to the achievement of sustainable development goals for 2021, presented by the Charity Coalition. Eurobank Direktna a.d. Belgrade Vuka Karadžića 10, Belgrade www.eurobank-direktna.rs

Eurobank Direktna a.d. Beograd Vuka Karadžića 10, Beograd www.eurobank-direktna.rs

Srpsko bankarstvo 2021

Eurobank Direktna a.d. Beograd

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 290.310

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Eurobank Direktna a.d. Beograd

Ukupna bilansna aktiva

Eurobank Direktna a.d. Belgrade

Name of the bank

Amount in millions of dinars (RSD)

Iznos u milionima EUR 2.469

37.573

319

18.034

153

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

Eurobank Direktna a.d. Belgrade

Total balance sheet assets

290,310

Total capital* Equity capital

2,469

37,573

319

18,034

153

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

20,23%

Amount in millions of euros (EUR)

20.23%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,2%

Return on assets (Profit before tax / Average assets)

0.2%

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

1,1%

Return on equity (Profit before tax / Average total capital)

1.1%

Broj zaposlenih

1.938

Number of employees

1,938

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

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

126 filijala i 5 poslovnih centara

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

126 branches and 5 business centres

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

HALKBANK a.d. Beograd

Srpsko bankarstvo 2021

HALKBANK a.d. Beograd na prostoru Republike Srbije uspešno posluje sedam godina. Od dolaska na tržište Republike Srbije 2015. godine, Banka konstantno radi na rastu broja poslovnica i širenju mreže bankomata, u cilju što veće dostupnosti klijentima.

HALKBANK a.d. Belgrade

Serbian Banking 2021

HALKBANK a.d. Beograd has been operating successfully in the Republic of Serbia for seven years. Since entering the market of the Republic of Serbia in 2015, the Bank has been constantly working on growing the number of branches and expanding the ATM network, in order to be as reachable as possible to customers.

U skladu sa strategijom HALKBANK a.d. Beograd, glavni fokus je na unapređenju kvaliteta usluge i zadovoljstva klijenata u najvećoj meri, razvoju inovativnih proizvoda i usluga, unapređenju i digitalizaciji procesa uz stalni akcenat na podizanju efikasnosti poslovanja.

In accordance with the strategy of HALKBANK a.d. Beograd, the main focus is on achieving maximum customer satisfaction, development of innovative products and services, improvement and digitalization of processes with a constant emphasis on raising business efficiency.

U maju 2021. godine, realizovana je dokapitalizacija u iznosu od EUR 30 miliona.

In May of 2021 the Bank had recapitalization in amount of EUR 30 million.

HALKBANK a.d. Beograd je u februaru 2021. godine započela projekat implementacije novog „CoreBanking“ sistema pod nazivom Halk Fusion. Dodatno, u julu tekuće godine puštena je u rad nova savremena aplikacija za devizno poslovanje. U kreditiranju privrede fokus je bio na Garantnoj šemi za podršku privredi, a aktuelne su bile FRK kampanja investicionih kredita u saradnji sa NBS, Program podrške za nabavku opreme u 2021. god., nova kreditna linija u saradnji sa fondacijom SEF, kao i plasiranje u segmentu Agro klijenata. Završena je kampanja „2 u 1“ u okviru koje su nuđeni gotovinski kredit i kreditna kartica kao povezani proizvodi. Zajedno sa Mastercardom Banka je organizovala „Mastercard/HALKBANK akvizicionu kampanju“.

In February 2021, the Bank started a project to implement a new „Core Banking“ system called Halk Fusion. In addition, a new modern application for foreign exchange operations was launched in July of this year. The focus in financing the economy was on the Guarantee Scheme for supporting of the economy, FRK investment loans campaign in cooperation with the NBS, new credit line in cooperation with SEF foundation, Support program for SMEs, as well as lending to Agro clients. The “2 in 1” campaign was completed, in which cash credit and credit card were offered as related products.

Tokom 2021. godine banka je nastavila sa daljim širenjem mreže ATM-ova i POS terminala. Orijentisanost banke je ka daljoj digitalizaciji procesa poslovanja, poboljšanju i širenju usluga koje nudi svojim klijentima.

Together with Mastercard, the Bank has created a „Mastercard/HALKBANK acquisition campaign“. During 2021, Halkbank a.d. Belgrade continued with the further expansion of the ATM network and POS terminals. The bank‘s orientation towards further digitalization of business processes, improvement and expansion of services it offers to clients.

Cilj nam je da budemo banka koja podstiče i finansira rast i razvoj domaće ekonomije, dok istovremeno predstavljamo sigurno mesto za štedne uloge naših klijenata.

Our goal is to be a bank that encourages and finances the growth and development of the domestic economy, while at the same time representing a safe place for the savings deposits of our clients.

HALKBANK a.d. Beograd Milutina Milankovića 9e, 11070 Novi Beograd www.halkbank.rs

HALKBANK a.d. Belgrade Milutina Milankovića 9e, 11070 Novi Belgrade www.halkbank.rs 60

HALKBANK a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Halkbank a.d. Beograd

Ukupna bilansna aktiva

HALKBANK a.d. Belgrade

Name of the bank

Halkbank a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

99.782

849

Total balance sheet assets

16.128

137

Total capital*

12.499

106

Equity capital

Amount in millions of euros (EUR)

99,782

849

16,128

137

12,499

106

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

23,64%

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

23.64%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,97%

Return on assets (Profit before tax / Average assets)

0.97%

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

5,87%

Return on equity (Profit before tax / Average total capital)

5.87%

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

589

Number of employees

Centrala Filijale - 28 Ekspoziture – 8 Šalteri – 1

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

589 Head office Branches - 28 Sub-branches - 8 Counters - 1

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

NLB Komercijalna banka a.d. Beograd

Srpsko bankarstvo 2021

NLB Komercijalna banka - sistemska i treća najveća banka u Srbiji, članica NLB Grupe, vodeće regionalne bankarske grupacije nastala je 29. aprila 2022. godine spajanjem Komercijalne i NLB Banke i uspešnim okončanjem jednog od najsloženijih bankarskih integracionih procesa u regionu.

NLB Komercijalna Bank a.d. Belgrade

Serbian Banking 2021

NLB Komercijalna banka – a system important and the third largest bank in Serbia, member of NLB Group, the leading regional banking group, was established on April 29th 2022, as the result of a merge of Komercijalna banka and NLB Banka and a successful completion of one of the most complex bank integration processes in the region. Thanks to the merger, the new bank has EUR 4.8bn of joint assets, approx. additional 140,000 customers, approx. 25% greater loan portfolio, a new set of cards compliant with the standards of NLB Group, as well as significantly more products and services that it will continue to distribute to corporate and retail customers through modern digital channels, but also through one of the largest networks of ATMs and branches in Serbia.

Zahvaljujući spajanju, nova banka ima 4,8 milijardi evra vrednu zajedničku aktivu, oko 140.000 više klijenata, za približno 25 procenata veći kreditni portfolio, nov set kartica usklađenih sa standardima NLB Grupe, kao i značajno više proizvoda i usluga, koje će građanima i privredi nastaviti da distribuira kroz moderne digitalne kanale, ali i jednu od najvećih mreža bankomata i ekspozitura u zemlji. Nova banka nastavlja da posluje kao banka univerzalnog tipa, pružajući sve vrste bankarskih usluga svim kategorijama klijenata - od građana, preko preduzetnika, malih i srednjih preduzeća, pa sve do najvećih domaćih i internacionalnih kompanija, koji ostaju u fokusu svih aktivnosti i u centru svake poslovne odluke Banke. NLB Komercijalna banka je članica NLB Grupe, vodeće bankarske i finansijske grupacije sa sedištem i isključivim strateškim fokusom na Jugoistočnu Evropu, za koju je Srbija tržište od strateškog značaja, a ovaj region dom pun pravih prilika.

The new bank continues to operate as a universal bank, providing all types of banking services to all categories of customers – from citizens, to entrepreneurs, small and medium-sized enterprises, to the largest local and international companies, that remain the focus of all the activities and at the heart each business decision that the Bank makes. NLB Komercijalna banka is a member of NLB Group, the leading banking and financial group that has its headquarters and sole strategic focus on Southeast Europe and for which Serbia is the market of strategic importance and this region a home full of real opportunities.

Zbog toga NLB Komercijalna banka nastavlja praksu svoje matične grupe i proveren recept za uspešno poslovanje da se neprekidno prilagođava potrebama klijenata, uvodi nove bankarske proizvode i usluge, uz korišćenje naprednih tehnologija, ali i kontinuirano ulaže u zajednicu u kojoj posluje.

That is why NLB Komercijalna banka continues with its parent group’s practice and the tried and tested recipe for successful business – constant adjustment to customer needs, introduction of new banking products and services while using advanced technologies, but also with continuous investment in the community it operates in.

NLB Komercijalna banka a.d. Beograd Svetog Save 14, 11000 Beograd www.nlbkb.rs

NLB Komercijalna Bank a.d. Belgrade Svetog Save 14, 11000 Beograd www.nlbkb.rs 64

NLB Komercijalna banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Ukupna bilansna aktiva

Name of the bank

Amount in millions of dinars (RSD)

4.163

Total balance sheet assets

75.643

643

Total capital*

40.035

340

Akcijski kapital

NLB Komercijalna banka a.d. Belgrade

Iznos u milionima EUR

489.440

Ukupni kapital*

Serbian Banking 2021

DATA FOR 2021

NLB Komercijalna banka a.d. Beograd

Iznos u milionima dinara

NLB Komercijalna Bank a.d. Belgrade

Equity capital

Amount in millions of euros (EUR)

489,440

4,163

75,643

643

40,035

340

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

28,55%

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

28.55%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,73%

Return on assets (Profit before tax / Average assets)

0.73%

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

4,59%

Return on equity (Profit before tax / Average total capital)

4.59%

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

2.372

Number of employees

Na dan 31. decembra 2021. godine Banka se sastoji od centrale, 6 poslovnih centara, 3 sektora za rad sa malim i srednjim preduzećima, 1 filijale i 190 ekspozitura u Srbiji.

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

2,372 As at 31 December 2021, the Bank consists of a head office, 6 business centers, 3 sectors for work with small and medium enterprises, 1 branch and 190 subbranches in Serbia

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Mirabank a.d. Beograd

Srpsko bankarstvo 2021

Mirabank je domaća banka nastala kao direktna strana investicija sa 100% kapitala iz Ujedinjenih Arapskih Emirata. Misija banke je da pruži maksimalnu podršku kompanijama iz Srbije, kao i investicijama iz UAE i da bude okosnica daljeg razvoja ekonomskih odnosa između dve zemlje.

Mirabank a.d. Belgrade

Ovu misiju Mirabanka osnažuje iniciranjem osnivanja Poslovnog kluba UAE i Srbije, kroz čiji rad, zajedno sa drugim članicama, kompanijama visoke reputacije, pomaže daljem razvoju ekonomske razmene između dve zemlje, deleći informacije, iskustva i znanja.

Mirabank a.d. Belgrade is a domestic bank founded as a direct foreign investment with 100% capital from the United Arab Emirates. The mission of the bank is to provide support to Serbian enterprises and UAE investments, and its aim is to be a pilar of further development of economic relations between two countries. This mission has been strengthened by initiating the establishment of the UAE and Serbia Business Club, through which, together with highly respected members, Mirabank has been working toward progress of economic exchange between two countries, interchanging information, experience and knowledge.

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

In addition to working with legal entities, Mirabank has also been developing its retail business, primarily in terms of savings, providing the clients with security, top-quality services and competitive interest rates.

Mirabank tim posvećenih bankarskih profesionalaca brine o potrebama svojih klijenata i tako gradi svoju poslovnu reputaciju, trudeći se da bude pouzdan i profesionalan partner. Naša uspešnost se meri uspehom naših klijenata, ali i motivisanošću i napretkom naših zaposlenih. Posebno razvijamo svoje znanje u oblastima informaciono-komunikacionih tehnologija, poljoprivrede, prehrambene industrije i zdravstva. I u 2021. godini Mirabank nastavlja sa kontinuiranim unapređenjem finansijskog rezultata u odnosu na prethodne godine. U 2021. god. Mirabank realizuje i konverziju subordiniranog kredita u kapital, čime ojačava svoj potencijal za podršku klijentima, ali i potvrđuje dugoročnu posvećenost akcionara tržištu Srbije. Mirabank a.d. Beograd Španskih boraca 1, Novi Beograd www.mirabankserbia.com

Serbian Banking 2021

Mirabank’s team of dedicated professional bankers is taking care of clients’ needs, building the bank’s reputation and positioning it to stand as a reliable and professional partner. Our achievement is measured with the success of our clients, together with the motivation of our employees and their progress. We are specifically empowering our know-how in the information and communication technology, agriculture, food industry and healthcare. In 2021 Mirabank is continuing with progress of the financial result compared to previous years. In 2021 Mirabank executed conversion of subordinated loan into equity, in which way it strengthened its potential for providing support to clients, but at the same it confirmed the long-term commitment of the shareholders to the Serbian market. Mirabank a.d. Belgrade Španskih boraca 1, Novi Belgrade www.mirabankserbia.com

Mirabank a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Mirabank a.d. Belgrade

Serbian Banking 2021

DATA FOR 2021

Mirabank a.d. Beograd

Iznos u milionima dinara

Name of the bank

Mirabank a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

Amount in millions of euros (EUR)

Ukupna bilansna aktiva

6.286

Total balance sheet assets

6,286

Ukupni kapital*

2.051

Total capital*

2,051

4.219

4,219

Akcijski kapital

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

Equity capital

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

66,69%

66.69%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

Return on assets (Profit before tax / Average assets)

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

Return on equity (Profit before tax / Average total capital)

Broj zaposlenih

Number of employees

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

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

Centrala, 1 ekspozitura

Central, 1 branch

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Mobi Banka a.d. Beograd

Srpsko bankarstvo 2021

Mobi Banka, osnovana kao Telenor banka 2014. godine, i nakon promene imena zadržala je istu misiju – učiniti bankarstvo mobilnim, jednostavnim i pristupačnim svima. Usluge Mobi Banke danas koristi čak 670 hiljada korisnika, a do kraja 2022. godine očekuje se još 80 hiljada novih. Njihov cilj da bankarstvo učine potpuno digitalnim iz godine u godinu je sve bliži - krajem prethodne godine obeleženo je 100 hiljada potpuno onlajn izdatih kredita, a prvi kvartal je doneo novu prekretnicu od čak 100 miliona ostvarenih transakcija.

Mobi Banka a.d. Belgrade

Serbian Banking 2021

Mobi Banka, founded as Telenor Banka in 2014, has retained the same mission despite the name change - to make banking mobile, simple and accessible to all. Today, the services of Mobi Banka are used by 670 thousand users, and another 80 thousand are expected by the end of 2022. Their goal to make banking completely digital is getting closer every year - 100,000 completely online loans were marked at the end of 2021, and the first quarter brought a new milestone of 100 million completed transactions. Mobi Banka is especially proud of its support system, which includes 40 banking advisors in Yettel stores.

Mobi Banka posebno je ponosna na svoj sistem podrške, u okviru kojeg je dostupno 40 bankarskih savetnika u Yettel prodavnicama, a korisnici mogu da se oslone i na podršku korisničkog servisa koji godišnje odgovori na preko 400 hiljada poziva, od čega 73,85% odgovor dobije u roku od 20 sekundi.

Also, customers can rely on the support of customer service that answers over 400 thousand calls a year, of which 73.85% receive a response within 20 seconds.

Iz godine u godinu, Mobi se nalazi na čelu digitalne transformacije bankarskog sektora sa ciljem da olakša svakodnevicu ljudi i Srbiju učini liderom u oblasti digitalizacije. U okviru PPF grupe, a u saradnji sa Yettelom, nastavlja da gradi mostove između telekomunikacije i bankarstva, vodeći se načelom: savremeno, inovativno, mobilno. Ono što ponudu ove banke čini specifičnom jesu mikro krediti koji se, u saradnji sa kompanijom Yettel, izdaju za kupovinu digitalnih uređaja. Zaključno sa aprilom ove godine, kreditirana je kupovina preko 850.000 uređaja na rate bez kamate u vrednosti većoj od 250 miliona evra, odnosno, odobreno 460.000 kreditnih partija. Istovremeno, primetan je rast i standardnih bankarskih proizvoda, najviše keš kredita, što ovu banku pomera od startne pozicije transakcione banke i približava stabilnoj profitabilnosti. Kada je reč o digitalizaciji bankarskog sektora, Mobi banka je svoju ulogu pionira opravdala i projektom „Moji podaci za banku“ u okviru Udruženja banaka Srbije, a uz veliku podršku Narodne banke i Vlade, čime je svojim klijentima omogućila da svu neophodnu dokumentaciju za izdavanje kredita podnesu u potpunosti onlajn. Mobi Banka a.d. Beograd Omladinskih brigada 88, Novi Beograd www.mobibanka.rs 72

Year after year, Mobi is at the forefront of the digital transformation of the banking sector with the aim of making people‘s everyday lives easier and making Serbia a leader in the field of digitalization. Within the PPF Group, and in collaboration with Yettel, it continues to build bridges between telecommunications and banking, guided by the principle: modern, innovative, mobile. What makes this bank‘s offer specific are the micro loans that, in cooperation with Yettel, are issued for the purchase of digital devices. Until April this year, the purchase of over 850,000 devices in interestfree installments worth more than 250 million euros was credited, that is, 460,000 credit lots were approved. At the same time, there is a noticeable growth of standard banking products, mostly cash loans, which moves this bank from the starting position of a transaction bank and brings it closer to stable profitability. When it comes to the digitalization of the banking sector, Mobi Bank has justified its role as a pioneer with the project „My Data for the Bank“ of the Association of Serbian Banks, with the great support of the National Bank and the Government, thus enabling its clients to submit all loan documentation entirely online. Mobi Banka a.d. Belgrade Omladinskih brigada 88, Novi Beograd www.mobibanka.rs 73

Mobi Banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 24.492

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Mobi Banka a.d. Beograd

Ukupna bilansna aktiva

Mobi Banka a.d. Belgrade

Name of the bank

Amount in millions of dinars (RSD)

Iznos u milionima EUR 208

3.635

10.281

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

Mobi Banka a.d. Belgrade

Total balance sheet assets

24,492

Total capital* Equity capital

208

3,635

10,281

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

20,20 %

Amount in millions of euros (EUR)

20.20 %

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

-2%

Return on assets (Profit before tax / Average assets)

-2%

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

-11%

Return on equity (Profit before tax / Average total capital)

-11%

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

532

Number of employees

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

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

532 The Bank doing its business 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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Naša AIK Banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Naša AIK Banka a.d. Belgrade

Serbian Banking 2021

DATA FOR 2021

Naša AIK banka a.d. Beograd

Iznos u milionima dinara

Name of the bank

Naša AIK banka a.d. Belgrade Amount in millions of dinars (RSD)

Iznos u milionima EUR

Amount in millions of euros (EUR)

Ukupna bilansna aktiva

194.158

1.651

Total balance sheet assets

194,158

1,651

Ukupni kapital*

26.723

227

Total capital*

26,723

227

14.821

126

14,821

126

Akcijski kapital

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

Equity capital

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

21,2%

21.2%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,9058%

Return on assets (Profit before tax / Average assets)

0.9058%

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

6,5809%

Return on equity (Profit before tax / Average total capital)

6.5809%

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

Number of employees

726

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

Centrala 32 ekspoziture 4 ekspres ekspoziture

Central office 32 Branches 4 Express Branches

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Naša AIK Banka a.d. Beograd Bul. Mihajla Pupina 165g, Bgd., 11070 N.Beograd www.nasaaikbanka.rs

726

Naša AIK Bank a.d. Belgrade Bul. Mihajla Pupina 165g, Bgd., 11070 N.Belgrade www.nasaaikbanka.rs

3 Banka a.d. Novi Sad

Srpsko bankarstvo 2021

3 Bank a.d. Novi Sad

Serbian Banking 2021

Za 3 Banku a. d. Novi Sad (ranije Opportunity banku) 2021. godina je bila izuzetno značajna. Uz dobre poslovne rezultate, banka je prošla kroz zaista važne promene – promenu imena i vizuelnog identiteta.

For 3 Bank JSC Novi Sad (formerly Opportunity Bank), 2021 was extremely significant. In addition to good business results, the bank went through changes - a change of name and visual identity.

Novo ime, 3 Banka, implicira tri strateška cilja banke: pozitivan uticaj na ljude, na planetu i na ekonomski prosperitet. Banka realizuje svoje aktivnosti na način koji sva tri cilja drži u balansu i ostvarenje jednog cilja ne sme ugrožavati druga dva. Uz novo ime, banka sada ima i novi logo, koji sa svojim jednostavnim geometrijskim oblicima i isprepletanim linijama, predstavlja drvo sa tri grane tj. cilja banke, a ujedno asocira na posvećenost održivosti i očuvanju životne sredine.

The new name, 3Bank, implies three strategic goals of the bank: positive impact on the people, the planet and on economic prosperity. The Bank runs it operations while maintaining the balance between these three goals, ensuring that the achievement of one goal does not jeopardize the other two. In addition to the new name, the bank now has a new logo, which with its simple geometric shapes and intertwined lines, represents a tree with three branches, i.e., three goals of the bank, and at the same time is associated with the bank’s commitment to sustainability and environmental protection.

Promena imena nije uticala na poslovnu strategiju. Banka ostaje fokusirana na finansijsku inkluziju, odnosno omogućavanje pristupa kreditima onim građanima i privredi kojima je taj pristup limitiran ili ga uopšte nemaju. Oko 45% klijenata banke, prema podacima iz Kreditnog biroa, prvi put koristi kredit upravo u ovoj banci. Nakon malih poljoprivrednika, preduzetnika, građana sa niskim primanjima i onih starijih od 75 godina, banka je u 2021. godini počela da finansira još jednu kategoriju građana sa otežanim pristupom finansijskim uslugama. Radi se o građanima koji su zaposleni, imaju redovne prihode, ali nemaju ugovor o radu na neodređeno vreme, već rade po ugovorima na određeno vreme, privremenim i povremenim ili sezonskim poslovima, ugovorima o delu i slično. 3 Banka a.d. Novi Sad Bulevar oslobođenja 2a, Novi Sad www.3bank.rs

The change of the name did not affect the business strategy. The Bank remains focused on financial inclusion, i.e., providing access to loans to citizens and businesses with limited or no access to financial services. According to data from the Credit Bureau, about 45% of the bank‘s clients are people who are taking their first loan. In addition to small farmers, entrepreneurs, low-income citizens and those over the age of 75, in 2021 the bank launched a product for an additional category of citizens with difficultly in accessing financial services. These are the citizens who are employed and have a regular income, however their contracts are just temporary, meaning they work under fixed-term contracts, temporary and occasional or seasonal jobs, and similar. 3 Bank a.d. Novi Sad Bulevar oslobođenja 2a, Novi Sad www.3bank.rs

3 Bank a.d. Novi Sad

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

3 Bank a.d. Novi Sad

Ukupna bilansna aktiva

3 Bank a.d. Novi Sad

Name of the bank

Amount in millions of dinars (RSD)

Iznos u milionima EUR

21.704

185

Total balance sheet assets

4.253

Total capital*

1.865

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

3 Bank a.d. Novi Sad

Share capital and share premium

21,704

185

4,253

1,865

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

25,48%

Amount in millions of euros (EUR)

25.48%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

2,14%

Return on assets (Profit before tax / Average assets)

2.14%

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

11,61%

Return on equity (Profit before tax / Average total capital)

11.61%

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

503

Centrala - 1 Filijale - 4 Poslovnice - 30

503

Head office–1 Branches–4 Credit offices-30

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

OTP banka Srbija a.d. Novi Sad

Srpsko bankarstvo 2021

OTP banka Srbija je u 2021. godini uspešno realizovala najkompleksniju bankarsku integraciju na ovim prostorima i istovremeno ostvarila odlične poslovne rezultate uz visoku profitabilnost od 68 miliona evra, što je gotovo sedam puta više u odnosu na godinu ranije. Kao najveći kreditor privrede i stanovništva i lider na tržištu faktoring, lizing i e-commerce usluga, OTP banka kontinuirano ulaže u intenzivnu digitalizaciju i uvođenje inovacija u cilju pružanja prvoklasnog korisničkog iskustva, a jedno od ključnih usmerenja je i zelena tranzicija, odnosno posvećenost održivom poslovanju i ekološkim projektima. Zahvaljujući prisutnosti OTP banke u 91 gradu sa 185 ekspozitura, klijentima širom Srbije je dostupna široka lepeza proizvoda i usluga, efikasan servis i ponude prilagođene njihovim konkretnim potrebama, dok je mreža od skoro 300 bankomata najveća u našoj zemlji. Proglašena je za “Najbolju banku u Srbiji” na dodeli godišnjih nagrada svetski renomiranog magazina Euromoney. Reč je tradicionalnoj „Euromoney nagradi za izvrsnost 2022“ (Euromoney Awards for Excellence 2022) koja se dodeljuje finansijskim institucijama koje klijentima pružaju najviši nivo usluge, inovacija i stručnosti. Banka je već 20 godina veran partner Olimpijskom komitetu Srbije i nastavlja da pruža podršku socijalnom preduzetništvu, a kroz peti Generator projekat podržala je 10 finalista koji svojim rešenjima doprinose smanjenju karbonskog otiska dok je pobednika nagradila sa 2 miliona dinara, kako bi podstakla brigu o ekologiji i očuvanju životne sredine. Za svoj doprinos, dobitnik je brojnih nagrada od kojih su poslednje dve “Dobročinitelj” i „Grand Prix“ koju je dodelila Francusko-srpska privredna komora. Takođe, iz oblasti ljudskih resursa, osvojila je nagradu „Human Driven Reshape“ za najinovativniju i najbolju HR praksu.

OTP banka Srbija a.d. Novi Sad

Serbian Banking 2021

In 2021, OTP banka Srbija successfully realized the most complex banking integration in this area, concurrently achieving excellent business results with a EUR 68 million high profitability, which is almost sevenfold more y-o-y. As the largest corporate and retail creditor and a leader on the market of factoring, leasing and e-commerce services, OTP banka is continuously investing into an intensive digitalisation and introduction of innovations, aiming to provide prime user experience. One of the key directions is the green transition, i.e. commitment to sustainable business and environmental projects. Thanks to the presence of OTP banka in 91 cities with 185 branches, clients across Serbia have access to a wide range of products and services, an efficient service and offers tailored to their specific needs, while the network of almost 300 ATMs is the largest in our country. The Bank has been proclaimed “Best bank in Serbia” at the awarding of the annual prize by worldrenowned Euromoney magazine. The “Euromoney Awards for Excellence 2022” is traditionally awarded to financial institutions providing top quality services, innovation and expertise to clients. The Bank has been a loyal partner to the Olympic Committee of Serbia for 20 years and it continues providing support to social entrepreneurship. Through the fifth Generator Project, it supported 10 finalists that contribute to reducing the carbon footprint with their solutions, and awarded the winner with RSD 2 million so as to encourage care for the environment and environmental protection. Also, in the area of human resources, the bank won the „Human Driven Reshape“ award for the most innovative and best HR practice.

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

It has been awarded for its contribution with numerous prizes, of which the last two are the “Dobročinitelj” (engl. “Benefactor”) and “Grand Prix“ awards, the latter presented by the FrenchSerbian Chamber of commerce. OTP Leasing Srbija, a market leader in this area, and OTP Insurance, which through OTP banka provides life insurance services, also operate within OTP Group.

OTP banka Srbija a.d. Novi Sad Trg Slobode 5, Novi Sad www.otpbanka.rs

OTP banka Srbija a.d. Novi Sad Trg Slobode 5, Novi Sad www.otpbanka.rs 82

OTP banka Srbija a.d. Novi Sad

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 665.599

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

OTP banka Srbija a.d. Novi Sad

Ukupna bilansna aktiva

OTP banka Srbija a.d. Novi Sad

Name of the bank

5.661 774

59.396

505

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja/Prosečan ukupni kapital) Broj zaposlenih Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

Amount in millions of dinars (RSD)

Iznos u milionima EUR

91.014

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

OTP banka Srbija a.d. Novi Sad

Total balance sheet assets

665,599

Total capital* Equity capital

774

59,396

505

Return on assets (Profit before tax / Average assets)

1,37%

Return on equity (Profit before tax / Average total capital)

10,20%

2.789

185

5,661

91,014

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

20,40%

Amount in millions of euros (EUR)

20.40%

1.37%

10.20%

2,789

185

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

ProCredit Bank a.d. Beograd

Srpsko bankarstvo 2021

ProCredit banka je razvojno orijentisana komercijalna banka koja pruža kompletnu uslugu najvišeg kvaliteta, malim i srednjim preduzećima i stanovništvu koji planiraju da štede i okrenuti su elektronskim kanalima u radu sa bankom. Banka poseban značaj pridaje odgovornom bankarstvu, promovisanju ulaganja u projekte iz oblasti energetske efikasnosti i zaštite životne sredine, te razvijanju kulture štednje među svojim klijentima. Sve usluge namenjene stanovništvu dostupne su putem digitalnih kanala. Na taj način je klijentima omogućeno da otvore račun online, nesmetano raspolažu svojim sredstvima, štede i obave sve usluge Banke online, bez dolaska u banku. Banka od svog osnivanja stavlja akcenat na razvijanje kulture štednje i odgovornog bankarstva među svojim klijentima, koji vode do veće finansijske stabilnosti i sigurnost među vlasnicima biznisa i fizičkim licima. U skladu sa tim, osmislila je jedinstven model štednje na našem tržištu, štednju koja je uvek dostupna klijentima, bez prekida oročenja. ProCredit banka je godinama posvećena zaštiti životne sredine i promociji investicija za unapređenje energetske efikasnosti. Zahvaljujući zelenom kreditiranju, značajno je smanjena potrošnja električne i toplotne energije. Banka je postala prva domaća kompanija koja kupuje „zelenu“ električnu energiju sa garancijom porekla od EPS-a, dok preko 70 odsto voznog parka Banke čine električni i hibridni automobili. U svom poslovanju sa privredom, Banka je fokusirana na mala i srednja preduzeća, jer veruje da upravo taj sektor doprinosi otvaranju novih radnih mesta i daje ključni doprinos privrednim granama u kojima posluje. ProCredit banka je član ProCredit Grupe, grupe finansijskih institucija koje posluju u mnogim zemljama širom sveta. Jedini akcionar ProCredit banke u Srbiji je ProCredit Holding sa sedištem u Frankfurtu. Akcionari banke očekuju dugoročno održiv prinos na investicije, umesto kratkoročnog uvećanja profita. Znatna sredstva Banka ulaže u obuku i razvoj zaposlenih, sa ciljem da kreira prijatnu i efikasnu radnu atmosferu, te da klijentima osigura ljubaznu i stručnu uslugu. ProCredit Bank a.d. Beograd Milutina Milankovića 17, Novi Beograd www.procreditbank.rs

ProCredit Bank a.d. Belgrade

Serbian Banking 2021

ProCredit Bank is a development-oriented commercial bank which offers complete services of the highest quality to small and medium enterprises and to private individuals who have the capacity to save and who prefer to do their banking through electronic channels. The Bank places a significant amount of importance on responsible banking, promoting investments in energy efficiency and environmental protection projects and developing a culture of saving among our clients. All services that are intended for the retail are available through digital channels, thus enabling clients to open accounts online, access their funds at any time, save and use all the Bank‘s services online, without the need to go to the bank. Since its establishment, the Bank has focused on developing a culture of saving and responsible banking among our clients, which leads to greater financial stability and security among business owners and private individuals. Accordingly, the Bank has devised a unique savings model on our market, which makes the savings always available to clients, without interrupting their term deposit. For years, ProCredit Bank has been committed to protecting the environment and promoting investments to improve energy efficiency. Thanks to green loans, the consumption of electricity and heat has been significantly reduced. The Bank has become the first domestic company to purchase „green“ electricity with Guarantee of Origin issued by EPS, while over 70 percent of the Bank‘s fleet consists of electric and hybrid cars. In its operations with the business sector, the Bank is focused on small and medium enterprises, because it believes that this sector contributes to the creation of new jobs and makes a key contribution to the industries in which it operates. ProCredit Bank Serbia is a member of the ProCredit group, a group of financial institutions operating in multiple countries worldwide. The sole shareholder of ProCredit Bank in Serbia is ProCredit Holding, seated in Frankfurt. The shareholders of the Bank expect a long-term sustainable return on investment, instead of short-term increase in profits. The Bank invests substantial funds in professional development of its employees, striving to create a pleasant work atmosphere and provide attentive and professional service to its clients. ProCredit Bank a.d. Belgrade Milutina Milankovića 17, Novi Belgrade www.procreditbank.rs

ProCredit Bank a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 155.340

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

ProCredit Bank a.d. Beograd

Ukupna bilansna aktiva

ProCredit Bank a.d. Belgrade

Name of the bank

ProCredit Bank a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR 1.321

17.725

151

6.440

Total balance sheet assets

155,340

Total capital* Equity capital

Amount in millions of euros (EUR) 1,321

17,725

151

6,440

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

16,53%

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

16.53%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,39%

Return on assets (Profit before tax / Average assets)

0.39%

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

3,28%

Return on equity (Profit before tax / Average total capital)

3.28%

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

388

Number of employees

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

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

388 Head office - 1 Branches - 6 24/7 zones Machines only - 10 24/7 - 6 zones

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Raiffeisen banka a.d. Beograd

Srpsko bankarstvo 2021

Raiffeisen bank a.d. Belgrade

Raiffeisen banka je u 2021. godini ostvarila odlične poslovne rezultate, u nekim segmentima i rekordne od početka rada, uz najveći rast kreditnih plasmana od 2008. godine. Bila je to i jubilarna, 20. godina poslovanja banke u Srbiji. Više je faktora koji su doprineli tome, a pre svih blagovremena transformacija poslovanja. Unapređeni digitalni servisi u segmentu stanovništva i privrede doveli su do rasta broja korisnika na elektronskim kanalima, kao i odličnih rezultata kada je reč o novim digitalnim proizvodima. Trenutno, tzv. cashless filijale pokrivaju oko 45 odsto ukupne mreže, a širenje novog koncepta savremenih filijala, sa uslugom dostupnom 24/7 na najsavremenijim višenamenskim uređajima, nastavlja se i u 2022. godini.

Raiffeisen banka realized excellent business results, in some segments even record results since the beginning of its operations, with the highest growth in loans issued since 2008. It was also a jubilee year, 20 years of business activities in Serbia. Several factors contributed to this - above all, the timely business transformation. Improved digital services in retail and corporate banking resulted in growth in the numbers of users on electronic channels, as well as excellent results as regards new digital products. At the moment, socalled cashless branches cover around 45 per cent of the total network, and the expansion of the new contemporary branch office concept, with services available 24/7 at stateof-the-art multipurpose devices, continues in 2022 as well.

Banka je nastavila da u fokus stavlja zadovoljstvo klijenata, te beleži visok NPS rezultat u svim domenima (pokazatelj spremnosti klijenata da preporuče banku). Osnovni cilj je ostvarenje vizije i misije RBI grupacije da do 2025. bude „najpreporučivaniji pružalac finansijskih usluga u Srbiji“.

The bank continued to place its focus on client satisfaction, to record a high NPS score in all segments (indicator of clients’ readiness to recommend the bank). The basic goal is to realize the vision and mission of the RBI Group to be the “most recommended financial services provider in Serbia” by 2025.

U 2021. godini banka je potpisala i ugovor o akviziciji domaće Crédit Agricole banke i lizing kompanije. Potpuna integracija se očekuje do kraja drugog kvartala 2023. godine. Ovom akvizicijom Raiffeisen banka će povećati tržišno učešće u Srbiji na 12% i zauzeti treću poziciju po vrednosti ukupne bilansne aktive. Dobri rezultati banke prepoznati su i izvan granica Srbije: nagrađena je dvema nagradama za „Najbolju banku u Srbiji” (Euromoney i EMEA Finance), kao i dvostrukom titulom „Najbolje banke u oblasti privatnog bankarstva” (Global Finance i EMEA Finance). Raiffeisen banka a.d. Beograd Đorđa Stanojevića 16, Novi Beograd www.raiffeisenbank.rs

Serbian Banking 2021

In 2021, the bank also signed an acquisition contract to acquire the local Crédit Agricole bank and leasing company. The full integration is expected until the second quarter of 2023. With this acquisition, Raiffeisen banka will increase its market share in Serbia to 12 per cent and will be ranked third according to the total assets value. The bank’s good results have also been recognized beyond Serbian borders: it was awarded two “Best Bank in Serbia” titles (Euromoney and EMEA Finance), as well as the double title “Best Private Bank” (Global Finance and EMEA Finance). Raiffeisen bank a.d. Belgrade Đorđa Stanojevića 16, Novi Belgrade www.raiffeisenbank.rs

Raiffeisen banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara 432.656

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Raiffeisen banka a.d. Beograd

Ukupna bilansna aktiva

Raiffeisen bank a.d. Belgrade

Name of the bank

Raiffeisen bank a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR 3.680

58.472

497

27.466

234

Total balance sheet assets

432,656

Total capital* Equity capital

Amount in millions of euros (EUR) 3,680

58,472

497

27,466

234

18,22%

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

18.22%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

1,93%

Return on assets (Profit before tax / Average assets)

1.93%

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

12,82%

Return on equity (Profit before tax / Average total capital)

12.82%

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

Broj zaposlenih

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

Number of employees

1.510 7 Regiona (Beograd 1, Beograd 2, Beograd 3, Beograd 4, Sever, Zapad i Jug): 4 regionalne filijale (Šabac, Subotica, Čačak, Niš) 6 lokalnih filijala 41 filijala 26 ekspozitura 4 šaltera Ukupno 81 organizaciona jedinica

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

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

1,510 7 Regions (Beograd 1, Beograd 2, Beograd 3, Beograd 4, North, West and South): 4 regional branches (Šabac, Subotica, Čačak, Niš) 6 local branches 41 branches 26 outlets 4 counters Total of 81 organizational units

* The data for the Total Capital field should be copied from the Balance Sheet 92

Srpska banka a.d. Beograd

Srpsko bankarstvo 2021

Srpska banka a.d. Belgrade

Serbian Banking 2021

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 u sastavu 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 2021. godini, u iznosu od 16,337 milijardi 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.

Srpska banka a.d. Beograd is 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 the establishment, Srpska banka a.d. Beograd is majority state-owned, and its operation is based on high professional standards and efficiency in providing all kinds of banking services. The realized profit amounting to 16.337 billion dinars in 2021 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.

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 2022. 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 više ne postoje ograničenja za uspostavljanje poslovnih odnosa sa klijentima u delu 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.

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 2022, through monitoring the business, both of existing clients, primarily clients from the group of the Defense Industry of Serbia, and through acquisition new clients, since there are not any 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 the network of correspondent relations with a number of banks around the world.Business cooperation with the retail clients is performed through the Belgrade branch, which is located at the Banks’s headquarters at 25, Savska Street.The priorities of Srpska banka a.d. Beograd in the forthcoming period remain unchanged, including the further strengthening of the capital base and preservation of long-term, solid and mutually beneficial business cooperation between the Bank and its clients.

Srpska banka a.d. Beograd Savska 25, Beograd www.srpskabanka.rs

Srpska banka a.d. Belgrade Savska 25, Beograd www.srpskabanka.rs

Srpska banka a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Ukupni kapital* Akcijski kapital

Serbian Banking 2021

DATA FOR 2021

Srpska banka a.d. Beograd

Ukupna bilansna aktiva

Srpska banka a.d. Belgrade

Name of the bank

Srpska banka a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

19.940

169.5

Total balance sheet assets

3.354

28.5

Total capital*

2.847

24.2

Equity capital

Amount in millions of euros (EUR)

19,940

169,5

3,354

28,5

2,847

24,2

31,9%

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

31.9%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

0,10%

Return on assets (Profit before tax / Average assets)

0.10%

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

0,71%

Return on equity (Profit before tax / Average total capital)

0.71%

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

Broj zaposlenih

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

Number of employees

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

Centrala + 1 ekspozitura

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Central + 1 branch

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

UniCredit Bank Srbija a.d. Beograd

Srpsko bankarstvo 2021

UniCredit Banka, jedna je od vodećih banaka u Srbiji, članica UniCredita - uspešne panevropske bankarske grupe, koja posluje sa više od 15 miliona klijenata širom sveta. UniCredit je organizovan kroz četiri ključna regiona u 13 evropskih zemalja, što nam omogućava da kao banka budemo blizu našim klijentima i da iskoristimo iskustvo cele Grupe za razvoj i ponudu najboljih proizvoda na svim našim tržištima.

UniCredit Bank Srbija a.d. Belgrade

Serbian Banking 2021

UniCredit Bank is one of the leading banks in Serbia, a member of UniCredit - a successful pan-European banking group, which operates with more than 15 million customers worldwide. UniCredit is organized through four key regions in 13 European countries, which allows the bank to be close to our customers and to use the experience of the entire Group to develop and offer the best products in all our markets.

UniCredit Banka je povećala svoje tržišno učešće na 10,7%, rastući u svim segmentima poslovanja sa stanovništvom. U segmentu korporativnog-investicionog bankarstva ostala je pouzdan partner i prvi izbor za čak 75 od 100 najvećih kompanija u Srbiji, što sa sigurnošću govori o poverenju koje srpske kompanije pružaju banci. Krajem 2021.godine UniCredit Banka proslavila je svoj značajan jubilej - 20 godina poslovanja u Srbiji. Kampanja koja simbolično nosi naziv „20 godina se zajedno trudimo da pokrećemo dobre stvari“, posvećena je temi održivosti i očuvanja životne sredine. UniCredit Banka je tokom novembra i decembra 2021. godine u okviru ove kampanje od svakog realizovanog keš kredita i kredita za obrtna sredstva u vrednosti većoj od 200.000 dinara, izdvajala 2.000 dinara. Tokom dva meseca trajanja kampanje ukupno je prikupljeno više od 13 miliona dinara, a koji će tokom 2022. godine biti uloženi u projekte unapređenja zaštićenih područja i očuvanja bio-diverziteta na teritoriji Srbije. Projekat podrazumeva podršku unapređenju očuvanja flore i faune, prirodnih staništa životinjskih vrsta, ali i poboljšanja turističkih kapaciteta i popularizacije zaštićenih područja.

UniCredit Bank Srbija a.d. Beograd Jurija Gagarina 12, Novi Beograd www.unicreditbank.rs

UniCredit Bank increased its market share to 10.7%, growing in all segments of retail business. In the segment of corporateinvestment banking, it remained a reliable partner and the first choice for as many as 75 of the 100 largest companies in Serbia, which certainly speaks of the trust that Serbian companies provide to the bank. At the end of 2021, UniCredit Bank celebrated its significant jubilee - 20 years of business in Serbia. The campaign, which is symbolically called „We Have Been Working Together for 20 Years to Start Good Things“, is dedicated to the topic of sustainability and environmental protection. During November and December 2021, UniCredit Bank allocated 2,000 dinars from each realized cash loan and working capital loan in the value of more than 200,000 dinars. During the two months of the campaign, a total of more than 13 million dinars was collected, which will be invested in projects for the improvement of protected areas and preservation of biodiversity in Serbia in 2022. The project includes support for the improvement of the preservation of flora and fauna, natural habitats of animal species, but also the improvement of tourist capacities and the popularization of protected areas.

UniCredit Bank Srbija a.d. Belgrade Jurija Gagarina 12, Novi Beograd www.unicreditbank.rs

UniCredit Bank Srbija a.d. Beograd

Srpsko bankarstvo 2021

PODACI ZA 2021. GODINU Naziv banke

Iznos u milionima dinara

Name of the bank

4.576

83.992

714

24.170

206

Akcijski kapital

UniCredit Bank Srbija a.d. Belgrade

Amount in millions of dinars (RSD)

Iznos u milionima EUR

538.079

Ukupni kapital*

Serbian Banking 2021

DATA FOR 2021

UniCredit Bank Srbija a.d. Beograd

Ukupna bilansna aktiva

UniCredit Bank Srbija a.d. Belgrade

Total balance sheet assets Total capital* Equity capital

Amount in millions of euros (EUR)

538,079

4,576

83,992

714

24,170

206

22%

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

22%

Prinos na aktivu (Dobitak pre oporezivanja/Prosečna aktiva)

1,2%

Return on assets (Profit before tax / Average assets)

1.2%

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

7,6%

Return on equity (Profit before tax / Average total capital)

7.6%

Broj zaposlenih

1.342

Number of employees

1,342

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

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

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

Centrala: 1 Ekspoziture: 72 Šalteri: 2

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

HO: 1 Branches: 72 Desks: 2

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

100

101

Komisija za hartije od vrednosti

Srpsko bankarstvo 2021

Sa aspekta regulatora tržišta kapitala, proteklu 2021. godinu obeležio je rad na novoj regulativi u oblasti tržišta kapitala i digitalne imovine. Nakon čitave jedne decenije primene Zakona o tržištu kapitala iz 2011. godine, koji je doduše više puta u ovom periodu usklađivan prateći potrebe tržišta i samih učesnika – dobili smo novi zakon usaglašen sa propisima EU. Prenete su odredbe koje dodatno uvode red u tržišta finansijskih instrumenata, prospekt, sisteme za obeštećenje investitora, transparentnost, neopozivost saldiranja u sistemima za saldiranje hartija od vrednosti i oblast zloupotreba na tržištu. Cill ovog zakona je utvrđivanje temelja za razvoj tržišta kapitala i obezbeđivanje dodatnih izvora finansiranja preduzećima u Srbiji. Novi propis primenjivaćemo od januara 2023. godine, pošto daje dovoljno vremena učesnicima na tržištu da se prilagode novom regulatornom okruženju, a samom regulatoru da propiše neophodna akta za njegovu primenu. Međutim, samoj regulativi prethodilo je i donošenje veoma važnih dokumenata javne politike. Po prvi put se prepoznaje značaj razvoja tržišta kapitala kao dela uspešne ekonomije svake države. Podsetimo, Vlada je oktobra meseca 2021. donela Strategiju za razvoj tržišta kapitala za period do 2026. godine, a nedugo zatim i Akcioni plan za njeno sprovođenje. Uz to, polovinom 2021. godine počeo je da se primenjuje Zakon o digitalnoj imovini i donet je niz podzakonskih akata za njegovo sprovođenje, čime je u potpunosti zaokružena ova oblast. Ovim se Republika Srbija svrstala u krug retkih država koje su zakonski regulisale oblast digitalne imovine. Omogućeno je finansiranje pomoću investicionih tokena, smanjen je trošak pristupa investiranju, unapređeno korišćenje digitalne tehnologije, uz istovremeno jačanje borbe protiv zloupotreba, pranja novca i finansiranja terorizma. Donošenje zakona i podzakonskih akata predstavlja krupan korak ka povećanju pravne sigurnosti, razvoju digitalnih tehnologija i konkurentnosti srpske privrede na globalnoj sceni. Na ovaj način nastoji se da se ide u korak sa savremenim tendencijama u digitalnim tehnologijama i elektronskom poslovanju. Može se reći da je pravni okvir ustanovljen u pravo vreme, imajući u vidu globalnu pandemiju koja je ubrzala sveopštu digitalizaciju društva i poslovanja, a u kojoj važno mesto ima i digitalna imovina. Komisija za hartije od vrednosti Omladinskih brigada 1/7, Novi Beograd www.sec.gov.rs

102

Securities Commission

Serbian Banking 2021

Looking at the year 2021 from the perspective of a capital market regulatory authority, this year has been marked by the work on the new capital market and digital assets regulations. After an entire decade of application of the 2011 Capital Market Law, although amended and fine-tuned on several occasions during this period in response to the needs and developments of the market and its participants – Serbia has got the new, more comprehensive and detailed, EU-aligned text of the law. The provisions governing markets in financial instruments, prospectus, investor compensation regimes, transparency, settlement finality in securities settlement systems, and market abuse have all been transferred. The objective of the Law is to lay the foundations for the development of the capital market and to supply additional sources of capital for Serbian companies. This new piece of legislation will be applied as of January 2023, providing sufficient time to the market participants to adapt to the new regulatory environment, and to the regulatory authority itself to lay down the new implementing legislation. What is more, the new regulatory framework came in the wake of adoption of a couple of public policy documents of key importance, recognizing for the first time the significance of a developed capital market as an integral element of any economy striving to be robust. That is to say, in October 2021, the RS Government adopted the Capital Market Development Strategy for the period 20212026, followed by the Action Plan implementing the Strategy. Furthermore, the application of the Law on Digital Assets started in June last year, and a set of bylaws were adopted by the Commission, finalizing the regulatory framework for the area. This positioned Serbia in the ranks of a very few countries which have regulated the area of digital assets. The regulations facilitated financing by means of investment tokens, decreased the cost of access to investment money, improved the use of digital technologies, while at the same time deterring abuses and strengthening the fight against money laundering and terrorism financing. The adoption of the Law and its bylaws is a leap forward to legal safety, development of digital technologies and global competitiveness of Serbian economy. In this way, Serbia is keeping pace with the development of modern digital technologies and electronic businesses. It is safe to say that the legal framework has been put in place at just the right time, bearing in mind the global pandemic which accelerated the overall digitalization of society and businesses, in which digital assets take up a prominent position. Securities Commission Omladinskih brigada 1/7, Novi Beograd www.sec.gov.rs

103

Beogradska Berza

Srpsko bankarstvo 2021

Širenje pandemije COVID-19 virusa, energetska kriza, problemi u lancima snabdevanja, šokovi na strani ponude i tražnje, inflatorni pritisci su ključne okolnosti koje su obeležile kontekst u kom je Beogradska berza funkcionisala tokom 2021. godine. Uprkos izazovima iz makroekonomskog okruženja, ograničenoj likvidnosti i odsustvu institucionalnih investitora, a sa namerom kreiranja novih investicionih alternativa, čiji nedostatak predstavlja ključni problem domaćeg tržišta, Beogradska berza je tokom 2021. godine nastavila sa aktivnostima vezanim za razvoj, integrativne procese i jačanje regionalne saradnje, prvenstveno putem strateškog partnerstva sa Atinskom berzom, aktivnog učešća u izradi Strategije razvoja tržišta kapitala i novog Zakona o tržištu kapitala, koji bi trebalo da daju podsticaj ubrzanom rastu i razvoju domaćeg tržišta kapitala. Tokom 2021. godine ostvarena je vrednost prometa od 41,23 milijardi RSD, što predstavlja pad od 15,43% u odnosu na 2020. godinu. Za razliku od prethodnih godina, u 2021. godini je zabeležen pad vrednosti prometa obveznicama Republike Srbije, dok je u trgovanju akcijama ostvaren rast prometa, pre svega zahvaljujući povećanom učešću blok trgovanja u ukupnom prometu. Sa prometom od 34,75 mlrd RSD obveznice su zabeležile pad prometa u iznosu od 20,52% u odnosu na prethodnu godinu, dok je promet akcijama dostigao vrednost od 6,48 mlrd RSD, rast na godišnjem nivou od 28,86%. Tržišna kapitalizacija Berze na kraju godine dostigla je iznos od 4,54 mlrd EUR, rast od 1,9% u odnosu na 2020. godinu. Indeks BELEX15 je godinu završio na nivou od 820,78 poena, što je za 9,64% viša vrednost u odnosu na 2020. godinu. BELEXline je kraj godine dočekao na nivou od 1.711,57 poena, sa rastom od 9,29% u odnosu na 2020. godinu. Beogradska berza a.d. Beograd Omladinskih brigada 1, Novi Beograd www.belex.rs

104

Belgrade Stock Exchange

Serbian Banking 2021

The spread of the COVID-19 pandemic, energy crisis, supply chain disruptions, suplay and demand side shocks, inflatory pressures are circumstances that impacted the context in which the Belgrade Stock Exchange operated during 2021. Despite the challenging macroeconomic surrounding, limited liquidity and lack of institutional investors, and with the intention of creating new offer, the lack of which is a key problem of the domestic market, in 2021 the Belgrade Stock Exchange continued its activities related to development, integration processes and strengthening of regional cooperation, primarily through a strategic partnership with the Athens Stock Exchange, active participation in the development of the Capital Market Development Strategy and drafting the new Capital Market Law, which are alltogether expected to accelerate capital market development. In 2021 turnover reached 41.23 billion RSD, posting a decrease of 15.43% compared to 2020. Unlike in previous years, in 2021 bond turnover slipped, while stock trading posted an increase, primarily due to the increased share of block trading in the total turnover. With a turnover of RSD 34.75 billion, bond turnover decreased by 20.52% compared to the previous year, while share turnover reached a value of RSD 6.48 billion, an a nnual increase of 28.86%. At year-end market capitalization stood to EUR 4.54 billion, an increase of 1.9% compared to 2020. BELEX15 finished the year at the level of 820.78 points, with a gain of 9.64% compared to 2020. BELEXline climed at 1,711.57 points, gaining 9.29% compared to 2020. Belgrade Stock Exchange Omladinskih brigada 1, Novi Beograd www.belex.rs

105

Srpsko bankarstvo 2021

BILANS STANJA BANKARSKOG SEKTORA SRBIJE SA STANJEM NA DAN 31.12.2021. GOD. POZICIJA A

AKTIVA

A.I

Gotovina i sredstva kod centralne banke

A.II

U hiljadama dinara

Serbian Banking 2021

BALANCE SHEET AS OF 31.12.2021

U hiljadama evra*

ITEM A

ASSETS

807.309.727

6.865.924

A.I

Cash and funds at the central bank

Založena finansijska sredstva

6.185.845

52.609

A.II

A.III

Potraživanja po osnovu derivata

1.880.572

15.994

A.IV

Hartije od vrednosti

830.804.936

A.V

Krediti i potraživanja od banaka i drugih finansijskih organizacija

A.VI

Krediti i potraživanja od komitenata

A.VII A.VIII A.IX

Promene fer vrednosti stavki koje su predmet zaštite od rizika Potraživanja po osnovu derivata namenjenih zaštiti od rizika Investicije u pridružena društva i zajedničke poduhvate

In RSD thousand

In EUR thousand*

807,309,727

6,865,924

Pledged financial assets

6,185,845

52,609

A.III

Receivables in respect of derivatives

1,880,572

15,994

7.065.743

A.IV

Securities

830,804,936

7,065,743

326.199.878

2.774.231

A.V

Loans and receivables from banks and other financial organisations

326,199,878

2,774,231

2.918.253.181

24.818.856

A.VI

Loans and receivables from the clients

2,918,253,181

24,818,856

A.VII

599.235

5.096

A.VIII

599,235

5,096

1.801.786

15.324

A.IX

1,801,786

15,324

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

A.X

Investicije u zavisna društva

18.415.627

156.619

A.X

Investments in dependent companies

18,415,627

156,619

A.XI

Nematerijalna imovina

20.515.446

174.478

A.XI

Intangible assets

20,515,446

174,478

A.XII

Nekretnine, postrojenja i oprema

70.030.028

595.584

A.XII

Property. premises and equipment

70,030,028

595,584

A.XIII

Investicione nekretnine

10.343.605

87.969

A.XIII

Investment property

10,343,605

87,969

A.XIV

Tekuća poreska sredstva

2.618.173

22.267

A.XIV

Current tax assets

2,618,173

22,267

A.XV

Odložena poreska sredstva

3.077.652

26.174

A.XV

Deferred tax assets

3,077,652

26,174

A.XVI

Stalna sredstva namenjena prodaji i sredstva poslovanja koje se obustavlja

836.656

7.116

A.XVI

Fixed assets for sale and assets from discontinued operations

836,656

7,116

A.XVII

Ostala sredstva

29.086.669

247.373

A.XVII

Other assets

29,086,669

247,373

5.047.959.016

42.931.356

5,047,959,016

42,931,356

A.XX

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

A.XX

PASIVA

OBAVEZE

PO.I

Obaveze po osnovu derivata

32.303.672

PO.II

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

679.352.662

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

LIABILITIES

274.733

PO.I

Liabilities in respect of derivatives

5.777.688

PO.II

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

106

32,303,672

274,733

679,352,662

5,777,688

107

Srpsko bankarstvo 2021

PO.III PO.IV PO.V

Depoziti i ostale finansijske obaveze prema drugim komitentima Obaveze po osnovu derivata namenjenih zaštiti od rizika Promene fer vrednosti stavki koje su predmet zaštite od rizika

PO.VI

Obaveze po osnovu hartija od vrednosti

PO.VII

Subordinirane obaveze

PO.VIII Rezervisanja

Serbian Banking 2021

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

3.479.128.604

29.588.931

PO.III

191.327

1.627

PO.IV

PO.V

2.839.848

24.152

PO.VI

Liabilities in respect of securities

33.656.490

286.238

PO.VII

Subordinated liabilities

23.116.108

196.595

PO.VIII Provisions

3,479,128,604

29,588,931

191,327

1,627

2,839,848

24,152

33,656,490

286,238

23,116,108

196,595

PO.IX

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

283.847

2.414

PO.IX

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

283,847

2,414

PO.X

Tekuće poreske obaveze

979.519

8.331

PO.X

Current tax liabilities

979,519

8,331

PO.XI

Odložene poreske obaveze

3.282.148

27.914

PO.XI

Deferred tax liabilities

3,282,148

27,914

PO.XII

Ostale obaveze

73.163.556

622.234

PO.XII

Other liabilities

73,163,556

622,234

PO.XIII

UKUPNO OBAVEZE (pozicije pod AOP oznakama od 0401 do 0412 u bilansu stanja)

4.328.297.781

36.810.856

PO.XIII

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

4,328,297,781

36,810,856

KAPITAL PK.XIV Akcijski kapital

CAPITAL

0 385.300.611

3.276.865

PK.XVI Dobitak

104.079.634

885.166

PK.XVI Profit

PK.XVII Gubitak

20.009.810

170.177

PK.XVII Loss

PK.XVIII Rezerve

250.328.405

2.128.967

37.605

320

PK.XV

Sopstvene akcije

PK.XIX Nerealizovani gubici UKUPNO KAPITAL (rezultat sabiranja, odnosno oduzimanja PK.XX sledećih AOP oznaka iz bilansa stanja: 0414 0415 + 0416 - 0417 + 0418 - 0419) ≥ 0 UKUPAN NEDOSTATAK KAPITALA (rezultat sabiranja, odnosno oduzimanja PO.XXI sledećih AOP oznaka iz bilansa stanja: 0414 0415 + 0416 - 0417 + 0418 - 0419) < 0 UKUPNO PASIVA (rezultat sabiranja, odnosno oduzimanja PO.XXII sledećih AOP oznaka iz bilansa stanja: 0413 + 0421 - 0422)

719.661.235

6.120.500

5.047.959.016

42.931.356

* Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2021. godine - 1 EUR = 117,5821 RSD

PK.XIV Shareholders’ equity PK.XV

Own shares

PK.XVIII Provisions PK.XIX Unrealised losses TOTAL CAPITAL (result of summation and deduction of the PK.XX 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 PO.XXI following ADP categories from the balance sheet: 0414 - 0415 + 0416 - 0417 + 0418 - 0419) <0 TOTAL LIABILITIES (result of summation and deduction of the PO.XXII following ADP categories from the balance sheet: 0413 + 0421 - 0422)

0 385,300,611

3,276,865

104,079,634

885,166

20,009,810

170,177

250,328,405

2,128,967

37,605

320

719.661.235

6.120.500

5.047.959.016

42.931.356

* Official middle rate of exchange of the dinar against the EUR. as of 31.12.2021. was applied – EUR 1 = RSD 117.5821 109

Srpsko bankarstvo 2021

BILANS USPEHA BANKARSKOG SEKTORA SRBIJE ZA PERIOD OD 01.01.2021. DO 31.12.2021. GOD POZICIJA I.a

Prihodi od kamata

I.b

Rashodi od kamata

I.1

I.2

Neto prihod po osnovu kamata (rezultat oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1001 - 1002) Neto rashod po osnovu kamata (rezultat oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1002 - 1001)

U hiljadama dinara

Serbian Banking 2021

INCOME STATEMENT FOR THE PERIOD 01.01 - 31.12.2021

U hiljadama evra*

ITEM

148.755.278

1.265.118

I.a

Interest income

19.627.436

166.925

I.b

Interest expenses

129.127.842

1.098.193

I.1

I.2

II.a

Prihodi od naknada i provizija

82.517.085

701.783

II.a

II.b

Rashodi naknada i provizija

26.777.291

227.733

II.b

55.739.794

474.050

II.1

4.620.174

39.293

II.1

II.2 III.1 III.2 IV.1 IV.2 V.1

V.2 VI.1

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 Neto dobitak po osnovu reklasifikacije finansijskih instrumenata Neto gubitak po osnovu reklasifikacije finansijskih instrumenata Neto dobitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po fer vrednosti Neto gubitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po fer vrednosti Neto dobitak po osnovu zaštite od rizika

53.016

451

7.012

II.2

III.1 III.2 IV.1 IV.2

1.705.616

14.506

40.592

345

974.195

8.285

110

V.1 V.2 VI.1

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 commissions 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 commissions (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 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 financial instruments Net profit in respect of derecognition of financial instruments carried at fair value Net loss in respect of derecognition of financial instruments carried at fair value Net profit in respect of risk protection

In RSD thousand

In EUR thousand*

148,755,278

1,265,118

19,627,436

166,925

129,127,842

1,098,193

82,517,085

701,783

26,777,291

227,733

55,739,794

474,050

4,620,174

39,293

53,016

451

7,012

1,705,616

14,506

40,592

345

974,195

8,285

111

Srpsko bankarstvo 2021

POZICIJA VI.2 VII.1 VII.2 VIII.1

VIII.2

IX.1

IX.2

X.1

X.2 XI

XII.1

XII.2

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 Neto gubitak po osnovu prestanka priznavanja investicija u pridružena društva 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 + 1023 - 1024 + 1025) < 0

U hiljadama dinara

Serbian Banking 2021

U hiljadama evra*

ITEM

6.504

VI.2

159.388

1.356

VII.1

3.111.850

26.465

661.463

5.626

11.969.659

101.798

958.664

8.153

10.361

VII.2

VIII.1

VIII.2 IX.1 IX.2 X.1

895

2.163.627

18.401

X.2 XI

XII.1 180.926.688

1.538.726

XII.2 0

112

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 currency 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 financial instruments at amortized value Net loss in respect of derecognition of financial instruments at amortized value Net profit in respect of derecognition of investments in affiliated companies and joint ventures Net loss in respect of derecognition of investments 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 - 1018 + 1019 - 1020 + 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 + 1013 - 1014 + 1015 - 1016 + 1017 - 1018 + 1019 - 1020 + 1021 - 1022 + 1023 - 1024 + 1025) < 0

In RSD thousand

In EUR thousand*

6,504

159,388

1,356

3,111,850

26,465

661,463

5,626

11,969,659

101,798

958,664

8,153

10,361

895

2,163,627

18,401

180.926.688

1.538.726

113

Srpsko bankarstvo 2021

POZICIJA

U hiljadama dinara

Serbian Banking 2021

U hiljadama evra*

ITEM

In RSD thousand

In EUR thousand*

XIII

Troškovi zarada, naknada zarada i ostali lični rashodi

46.941.258

399.221

XIII

Costs of salaries. wages and other personal expenses

46.941.258

399.221

XIV

Troškovi amortizacije

13.285.535

112.989

XIV

Amortisation costs

13.285.535

112.989

XV.1

Ostali prihodi

3.667.267

31.189

XV.1

Other revenues

3.667.267

31.189

XV.2

Ostali rashodi

70.500.350

599.584

XV.2

Other expenditures

70.500.350

599.584

54.683.350

465.065

816.538

6.944

5.034.993

42.821

1.255.273

10.676

742.456

6.314

50.160.493

426.600

815.857

6.939

XVI.1

XVI.2 XVII

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

465.065

816.538

6.944 42.821

Dobitak po osnovu odloženih poreza

1.255.273

10.676

XVIII.2 Gubitak po osnovu odloženih poreza

742.456

6.314

50.160.493

426.600

XIX.1

XIX.2

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

815.857 0

XX.2

Neto gubitak poslovanja koje se obustavlja

XXI.2

XVIII.1

50.160.493

426.600

XIX.2

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

XX.2

Net loss from discontinued operations

50.160.493

426.600

815.857

6.939

6.939 XXI.2

* Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2021. godine - 1 EUR = 117,5821 RSD

Profit in respect of deferred taxes

XX.1

XXI.1 815.857

Profit tax

XVIII.2 Loss in respect of deferred taxes

6.939

Neto dobitak poslovanja koje se obustavlja

XXI.1

XVII

XIX.1

XX.1

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

XVI.1

XVI.2 5.034.993

XVIII.1

Porez na dobitak

54.683.350

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

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 + 1039 - 1040) < 0

* Official middle rate of exchange of the dinar against the EUR. as of 31.12.2021. was applied – EUR 1 = RSD 117.5821 114

115