Annexes: Regulatory Reporting Templates for Credit Institutions

1. Report on Available Liquid Funds, Liabilities and Executed Payments
   (Template RLS)
   Balance for:
   (EUR 000)
   No DESCRIPTION AMOUNT
   I Liquid Assets/ Receivables
2. Cash
3. Funds held at settlement account with the Central Bank
4. Cheques and other cash receivables
5. Funds held at the accounts with domestic credit institutions
   (demand deposits)
6. Funds held with payment system agents
7. Funds held at the accounts with foreign credit institutions
   (demand deposits)

Reserve requirement with the CBCG (pursuant to the current decision) II Matured Liabilities for Loans and Borrowings

1. Matured liabilities on loans received

2. Interest and fees payables

3. Payables on time deposits

4. 30% of demand deposits

5. 10% of granted, but unused, irrevocable credit obligations
   (credit lines)

6. Other matured liabilities
   SURPLUS / DEFICIT ( I - II ) Liquidity Indicator ( I / II )

7. Report on Deposits of Natural and Legal Persons (Template DFLPL)
   Balance for: (EUR 000)
   A) Natural persons
   Natural persons

• demand
  Natural persons
• time
  B) Legal persons
  Legal persons - demand
  Legal persons - time
  TOTAL:

3. Report on Cash Balances (Template SGN)
   Balance as at __________________________ (EUR) A) DENOMINATION Pieces Total Banknotes 500 200 100 50 20 10 5 Total banknotes B) Coins 2 1 0,50 0,20 0,10 0,05 0,02 0,01 Total coins Total (A+B)

4. Credit Institution Ten-Day Liquidity Report (Template DPL)
   Average Ten-Day Liquidity Indicator:
   (EUR 000)
   PERIOD
   (days in the reporting ten-day period) DATE Total liquid receivables Total liquid liabilities Ten-day liquidity indicator 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

5. Report on the Balance and Turnover of Funds at the Accounts (Template
   SRB)
   ASSETS
   Cash and Cash Equivalents
   1 0 0 1 Cash in vault Dr
   1 0 0 2 Cash in ATMs Dr
   1 0 0 3 Cash in transit Dr 1 0 0 4 Damaged banknotes and coins Dr 1 0 0 7 Items for collection: Payment cards Dr 1 0 0 8 Items for collection: Other Dr 1 0 0 9 Funds held with foreign credit institutions (demand deposits) Dr 1 0 1 0 Settlement account held with the Central Bank of Montenegro Dr 1 0 1 2 Other cash Dr 1 0 1 3 Coverage under letters of credit with foreign credit institutions Dr 1 0 1 4 Coverage under guarantees with foreign credit institutions Dr 1 0 1 5 Client’s funds from custody operations Dr 1 0 1 9 Value adjustments of cash and cash equivalents Cr Deposits with Central Banks 1 1 0 3 Central Bank of Montenegro - non-interest bearing Dr 1 1 0 4 Central Bank of Montenegro - interest bearing Dr 1 1 0 7 Other central banks - non-interest bearing Dr 1 1 0 8 Other central banks - interest bearing Dr 1 1 0 9 Value adjustment of deposits with central banks Cr Deposits with Credit Institutions and Other Depository Institutions 1 1 2 0 State credit institutions, residents – non-interest bearing Dr 1 1 2 1 State credit institutions, residents – interest bearing Dr 1 1 2 2 State credit institutions, residents –interest bearing (overnight) Dr 1 1 2 4 Private credit institutions, residents - non-interest bearing Dr 1 1 2 5 Private credit institutions, residents - interest bearing Dr 1 1 2 6 Private credit institutions, residents - interest bearing (overnight) Dr 1 1 2 7 Funds in the account, domestic Dr 1 1 2 8 Credit institutions/other depository institutions, non-residents – non-interest bearing (time deposits) Dr 1 1 2 9 Credit institutions/other depository institutions, non-residents – interest bearing (time deposits) Dr 1 1 3 0 Credit institutions/other depository institutions, non-residents – interest bearing (overnight) Dr 1 1 3 1 Credit institutions/other depository institutions (parent credit institution and other members of the group of credit institutions), non-residents – interest bearing (time deposits) Dr 1 1 3 2 Other state depository institutions, residents – non-interest bearing Dr 1 1 3 3 Other state depository institutions, residents – interest bearing Dr 1 1 3 4 Other state depository institutions, residents – interest bearing (overnight) Dr 1 1 3 6 Other private depository institutions, residents – non-interest bearing Dr 1 1 3 7 Other private depository institutions, residents – interest bearing Dr 1 1 3 8 Other private depository institutions, residents – interest bearing (overnight) Dr 1 1 3 9 Credit institutions / other depository institutions (parent credit institution and other members of the group of credit institutions), non-residents – interest-bearing (overnight deposits) Dr 1 1 4 0 Other - non-interest bearing Dr 1 1 4 1 Other - interest bearing Dr

1 1 4 9 Value adjustments of deposits with credit institutions and other depository institutions Cr Purchase and Resell Operations 1 1 5 1 Securities purchased under agreement to resell Dr 1 1 5 9 Value adjustments of purchase and resell operations Cr Derivatives, Financial Assets Held for Trading (fair value) 1 1 6 0 Financial derivatives (instruments held for trading), residents Dr 1 1 6 1 Contracts related to interest rates, non-residents Dr 1 1 6 2 Contracts related to foreign exchange rate and price in equity securities, non-residents Dr 1 1 6 3 Other contracts that meet the definition of derivatives under IAS 39, non-residents Dr Derivatives, Financial Assets Used as Hedging Instrument (Fair Value) 1 1 6 4 Financial derivatives (instruments used as hedging), residents Dr 1 1 6 5 Contracts related to interest rates, non-residents Dr 1 1 6 6 Contracts related to foreign exchange rate, non-residents Dr 1 1 6 7 Contracts related to price in equity securities, non-residents Dr 1 1 6 8 Other contracts that meet the definition of derivatives under IAS 39, non-residents Dr Held For Trading Securities 1 1 7 0 Shares: non-residents Dr 1 1 7 1 Instruments other than stocks: Government of Montenegro Dr 1 1 7 2 Instruments other than stocks: Local self-government units Dr 1 1 7 3 Shares of undertakings engaged in financial activities: residents Dr 1 1 7 4 Shares of undertakings engaged in non-financial activities: residents Dr 1 1 7 5 Instruments other than stocks – Others: residents Dr 1 1 7 6 Instruments other than stocks: non-residents Dr 1 1 7 7 Non-amortised discount Dr/Cr 1 1 7 8 Non-amortised premiums Dr/Cr Securities Carried at Fair Value through Profit or Loss, Not Held for Trading 1 1 8 0 Securities carried at fair value through profit or loss, not held for trading Dr Securities at Fair Value through Other Comprehensive Income 1 1 9 0 Shares: non-residents Dr 1 1 9 1 Instruments other than stocks: Government of Montenegro Dr 1 1 9 2 Instruments other than stocks: Local self-government units Dr 1 1 9 3 Shares of undertakings engaged in financial activities: residents Dr 1 1 9 4 Shares of undertakings engaged in non-financial activities: residents Dr 1 1 9 5 Instruments other than stocks – Others: residents Dr 1 1 9 6 Instruments other than stocks: non-residents Dr 1 1 9 7 Non-amortized discount Dr/Cr 1 1 9 8 Non-amortized premiums Dr/Cr Loans to Credit Institutions and Other Depository Institutions, Financial Institutions and Undertakings Engaged in Financial Activity 1 2 0 1 Central Bank of Montenegro Dr 1 2 0 2 Other central banks Dr 1 2 0 3 State credit institutions, residents Dr 1 2 0 4 Private credit institutions, residents Dr 1 2 0 5 Credit institutions / Other depository institutions, non-residents Dr 1 2 0 6 Other state depository institutions, residents Dr 1 2 0 7 Other private depository institutions, residents Dr 1 2 0 8 Other financial institutions, residents Dr 1 2 1 0 Other financial institutions, non-residents Dr

1 2 1 1 Insurance/reinsurance undertakings, residents Dr 1 2 1 2 Insurance/reinsurance undertakings, non-residents Dr 1 2 1 3 Undertakings engaged in financial lease activities, residents Dr 1 2 1 4 Undertakings engaged in financial lease activities, non-residents Dr 1 2 1 5 Undertakings engaged in brokerage activities at capital market, residents Dr 1 2 1 6 Undertakings engaged in brokerage activities at capital market, non-residents Dr 1 2 1 7 Ancillary financial institutions, residents Dr 1 2 1 8 Ancillary financial institutions, non-residents Dr 1 2 2 0 Micro-credit financial institutions, residents Dr 1 2 2 1 Micro-credit financial institutions, non-residents Dr 1 2 Factoring companies, residents Dr 1 2 2 3 Factoring companies, non-residents Dr 1 2 2 9 Value adjustments of loans to credit institutions and other depository institutions, financial institutions and undertakings engaged in financial activity Cr Loans to Non-Financial Sector 1 2 5 1 State undertakings, residents Dr 1 2 5 3 Undertakings, non-residents Dr 1 2 5 4 Local self-government public services Dr 1 2 5 6 Employees Dr 1 2 5 7 Non-government and other non-profit organisations: non-residents Dr 1 2 5 8 Non-government and other non-profit organisations: residents Dr 1 2 6 1 Private undertakings, residents Dr 1 2 6 2 Entrepreneurs Dr 1 2 6 4 Natural persons, residents Dr 1 2 6 5 Natural persons, non-residents Dr 1 2 6 6 Payment cards, residents Dr 1 2 6 7 Payment cards, non-residents Dr 1 2 6 8 Other Dr 1 2 6 9 Value adjustment of loans to non-financial sector Cr Loans to the Government of Montenegro, Other Budget of Montenegro Beneficiaries, Local Self￾Government Units and Regulatory Agencies 1 2 7 1 Government of Montenegro Dr 1 2 7 2 Local self-government units Dr 1 2 7 3 Other Budget of Montenegro beneficiaries Dr 1 2 7 8 Regulatory agencies Dr 1 2 7 9 Value adjustments of loans to the Government of Montenegro, other Budget of Montenegro beneficiaries, local self-government units and regulatory agencies Cr Loans to Funds 1 2 8 1 Investment and Development Fund of Montenegro Dr 1 2 8 2 Employment Agency of Montenegro Dr 1 2 8 3 Health insurance Fund of Montenegro Dr 1 2 8 4 Pension and Disability Fund of Montenegro Dr 1 2 8 5 Voluntary pension funds, residents Dr 1 2 8 6 Funds, non-residents Dr 1 2 8 7 Investment funds, residents Dr 1 2 8 8 Other Funds, residents Dr 1 2 8 9 Value adjustments of loans to Funds Cr Loans Purchased for Trading (securitization) 1 2 9 1 Loans purchased for trading (securitization) Dr Servicing Rights

1 3 0 1 Servicing rights Dr 1 3 0 2 Accumulated amortization of servicing rights Cr 1 3 0 9 Valuation reserves for servicing rights Cr Securities Measured at Amortised Cost 1 4 0 1 Instruments other than stocks: Government of Montenegro Dr 1 4 0 2 Instruments other than stocks: Local self-government units Dr 1 4 0 4 Instruments other than stocks: Other residents Dr 1 4 0 5 Instruments other than stocks: Non-residents Dr 1 4 0 7 Non amortized discount Dr/Cr 1 4 0 8 Non amortized premiums Dr/Cr 1 4 0 9 Value adjustments of securities measured at amortised cost Cr Factoring and Forfaiting 1 4 1 1 Receivables purchased (factoring) Dr 1 4 1 2 Receivables purchased (forfaiting) Dr 1 4 1 9 Value adjustments of factoring and forfaiting Cr Equity Investments (Significant Influence) 1 4 5 1 Equity investments in entities engaged in financial activities, residents Dr 1 4 5 2 Equity investments in entities engaged in non-financial activities, non-residents Dr 1 4 5 3 Equity investments, non-residents Dr 1 4 5 9 Value adjustments of equity investments (significant influence) Cr Equity Investments in Subsidiaries (Control) 1 4 7 1 Equity investments in subsidiaries engaged in financial activities, residents Dr 1 4 7 2 Equity investments in subsidiaries t engaged in non-financial activities, residents Dr 1 4 7 3 Equity investments in subsidiaries, non-residents Dr 1 4 7 9 Value adjustments of equity investments in subsidiaries (control) Cr Joint Ventures 1 4 8 1 Interests in jointly controlled entity engaged in financial activity, residents Dr 1 4 8 2 Interests in jointly controlled entity engaged in non-financial activity, residents Dr 1 4 8 3 Joint ventures, non-residents Dr 1 4 8 9 Value adjustments of joint ventures Cr Credit Institution Receivables on Acceptances, Guarantees and Bills of Exchange Outstanding 1 5 0 0 Credit Institutions, residents Dr 1 5 0 1 Credit Institutions, non-residents Dr 1 5 0 2 Undertakings, residents Dr 1 5 0 3 Government of Montenegro Dr 1 5 0 4 Other beneficiaries of the Budget of Montenegro Dr 1 5 0 5 Local self-government units Dr 1 5 0 6 Public services of local self-government units Dr

1 5 0 7
Other depository institutions/other financial institutions/undertakings engaged in financial activity, residents Dr 1 5 0 8 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non￾residents Dr 1 5 0 9 Undertakings, non-residents Dr 1 5 1 0 Entrepreneurs Dr 1 5 1 1 Natural persons, residents Dr 1 5 1 2 Natural persons, non-residents Dr 1 5 1 3 Other Dr 1 5 1 9 Value adjustments of credit institution receivables on acceptances, guarantees and bills of exchange outstanding Cr Receivables from Custody Operations 1 6 0 1 Receivables on equity securities from custody operations with residents Dr 1 6 0 2 Receivables on debt securities from custody operations with residents Dr 1 6 0 3 Receivables on derivatives from custody operations with residents Dr 1 6 0 4 Receivables on custody operations with non-residents Dr 1 6 0 9 Value adjustments of receivables on custody operations Cr Non-Current Assets Held for Sale and Discontinued Operations 1 7 1 0 Non-current assets held for sale – property, plant and equipment Dr 1 7 1 1 Non-current assets held for sale – investment property Dr 1 7 1 2 Non-current assets held for sale – other Dr 1 7 1 9 Value adjustments of assets held for sale Cr Fixed Assets 1 8 0 1 Land Dr 1 8 0 3 Buildings Dr 1 8 0 4 Depreciation of buildings Cr 1 8 0 5 Investment properties Dr 1 8 0 6 Depreciation of investment properties Cr 1 8 0 7 Plant and equipment Dr 1 8 0 8 Depreciation of plant and equipment Cr 1 8 0 9 Hardware Dr 1 8 1 0 Depreciation of hardware Cr 1 8 1 1 Office equipment Dr 1 8 1 2 Depreciation of office equipment Cr 1 8 1 3 Vehicles Dr 1 8 1 4 Depreciation of vehicles Cr 1 8 1 5 Other fixed assets Dr 1 8 1 6 Depreciation of other fixed assets Cr 1 8 1 7 Small inventory Dr 1 8 1 8 Depreciation of small inventory Cr 1 8 2 0 Right-of-use assets Dr 1 8 2 1 Depreciation of right-of-use assets Cr 1 8 3 0 Fixed assets under construction Dr Intangible Assets 1 8 5 1 Goodwill Dr 1 8 5 2 Patents/Trademarks Dr 1 8 5 3 Concessions Dr 1 8 5 4 Computer programmes (software) Dr 1 8 5 6 Amortisation - Patents/Trademarks Cr 1 8 5 7 Amortization – Concessions Cr 1 8 5 8 Amortization of other intangible assets Cr 1 8 5 9 Other intangible assets Dr

1 8 6 0 Amortization of computer programmes (software) Cr 1 8 6 1 Intangibles under construction Dr Interest Receivables 1 9 0 1 Receivables on invoiced interests: Loans Dr 1 9 0 2 Receivables on invoiced interests: Securities Dr 1 9 0 3 Receivables on invoiced interests: Deposits Dr 1 9 0 4 Receivables on interest overdrafts Dr 1 9 0 5 Receivables on invoiced interests: lease receivables Dr 1 9 0 6 Receivables on invoiced interests: cashable guarantees Dr 1 9 0 7 Receivables on invoiced interests: purchased receivables Dr 1 9 0 8 Receivables on invoiced interests: other Dr 1 9 0 9 Value adjustments of interest receivables Cr Other Assets 1 9 1 2 Receivables from agency activities Dr 1 9 1 3 Advance payments Dr 1 9 1 4 Other receivables on fees and commissions Dr 1 9 1 5 Maternity allowances / sick leave payments due from Government Dr 1 9 1 6 Amounts due from frozen FX deposits Dr 1 9 1 7 Suspense account Dr 1 9 1 8 Assets acquired based on collection of receivables Dr 1 9 2 0 Deferred tax asset Dr 1 9 2 1 Current tax assets Dr 1 9 2 2 Precious metals Dr 1 9 2 3 Cheques receivable Dr 1 9 2 4 Receivables from buyers Dr 1 9 2 5 Receivables on payment card operations Dr 1 9 2 6 Receivables from employees Dr 1 9 2 7 Other financial receivables Dr 1 9 2 8 Other business receivables Dr 1 9 2 9 Value adjustment of other assets Cr Accruals and Prepaid Expenses 1 9 3 0 Prepaid expenses Dr 1 9 3 1 Other accrued, yet not collected income Dr 1 9 3 2 Accruals: loans Dr 1 9 3 3 Accruals: securities Dr 1 9 3 4 Accruals: deposits Dr 1 9 3 5 Accruals: lease receivables Dr 1 9 3 6 Accruals: guarantees Dr 1 9 3 7 Accruals: purchased receivables Dr 1 9 3 8 Accruals: other Dr 1 9 3 9 Value adjustment of accruals Cr Accruals of Fees 1 9 4 1 Accruals of fees: loans Cr 1 9 4 2 Accruals of fees: securities Cr 1 9 4 3 Accruals of fees: deposits Cr 1 9 4 4 Accruals of fees: lease receivables Cr 1 9 4 5 Accruals of fees: guarantees Cr 1 9 4 6 Accruals of fees: purchased receivables Cr Changes in the Fair Value of Items Being Subject to Hedging

1 9 5 0
Effects of changes in the fair value of items being subject to hedging in respect of the group of financial assets Dr 1 9 5 1 Effects of changes in the fair value of items being subject to hedging in foreign currency in respect of the group of financial assets Dr TOTAL ASSETS (from 1001 – 1951)

LIABILITIES
Borrowings from Central Banks 2 1 0 1 Central Bank of Montenegro Cr 2 1 0 2 Other central banks Cr Short-Term Borrowings 2 1 State credit institutions, residents Cr 2 1 1 2 Private credit institutions, residents Cr 2 1 1 3 Credit institutions, non-residents Cr 2 1 1 4 Other state depository institutions, residents Cr 2 1 1 5 Other private depository institutions, residents Cr 2 1 1 6 Other depository institutions/other financial institutions, non-residents Cr 2 1 1 7 Parent credit institutions Cr 2 1 1 8 Other members of the group of credit institutions Cr 2 1 1 9 Government of Montenegro and other Budget of Montenegro beneficiaries Cr 2 1 2 0 Other Cr Long-Term Borrowings 2 1 3 1 State credit institutions, residents Cr 2 1 3 2 Private credit institutions, residents Cr 2 1 3 3 Credit institutions, non-residents Cr 2 1 3 4 Other state depository institutions, residents Cr 2 1 3 5 Other private depository institutions, residents Cr 2 1 3 6 Other depository institutions/other financial institutions, non-residents Cr 2 1 3 7 Parent credit institutions Cr 2 1 3 8 Other members of the group of credit institutions Cr 2 1 3 9 Government of Montenegro and other Budget of Montenegro beneficiaries Cr 2 1 4 0 Other Cr Liabilities on Securities Sold Under Repurchase Agreement 2 1 5 1 Securities sold under repurchase agreement Cr Liabilities Based on Custody Operations 2 2 0 1 Liabilities on custody operations with residents 2 2 0 2 Liabilities on custody operations with non-residents Demand (Sight) Deposits of Credit Institutions, Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial Activity 2 3 0 1 Undertakings engaged in financial lease operations, residents – non-interest bearing Cr 2 3 0 2 Undertakings engaged in financial lease operations, residents – interest bearing Cr 2 3 0 3 Undertakings engaged in brokerage activities at capital market, residents – non-interest bearing Cr 2 3 0 4 Undertakings engaged in brokerage activities at capital market, residents - interest bearing Cr 2 3 0 5 State credit institutions, residents – non-interest bearing Cr 2 3 0 6 State credit institutions, residents – interest bearing Cr 2 3 0 7 Private credit institutions, residents – non-interest bearing Cr

2 3 0 8 Private credit institutions, residents – interest bearing Cr 2 3 0 9 Credit institutions, non-residents – non-interest bearing Cr 2 3 1 0 Credit institutions, non-residents – interest bearing Cr 2 3 1 1 Other state depository institutions, residents – non-interest bearing Cr 2 3 1 2 Other state depository institutions, residents – interest bearing Cr 2 3 1 3 Other private depository institutions, residents – non-interest bearing Cr 2 3 1 4 Other private depository institutions, residents – interest bearing Cr 2 3 1 5 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non￾residents – non-interest bearing Cr 2 3 1 6 Other depository institutions/other financial institutions/ undertakings engaged in financial activity, non￾residents – interest bearing Cr 2 3 1 7 Others – non-interest bearing Cr 2 3 1 8 Others – interest bearing Cr 2 3 1 9 Central Bank of Montenegro, residents Cr 2 3 2 0 Central Bank of Montenegro, non-residents Cr Demand (Sight) Deposits of Non-Financial Sector 2 3 2 1 State undertakings, residents - non-interest bearing Cr 2 3 2 2 State undertakings, residents - interest bearing Cr 2 3 2 3 Public services of local self-government units – non-interest bearing Cr 2 3 2 4 Public services of local self-government units – interest bearing Cr 2 3 2 5 Private undertakings, residents - non-interest bearing Cr 2 3 2 6 Private undertakings, residents - interest bearing Cr 2 3 2 7 Entrepreneurs - non-interest bearing Cr 2 3 2 8 Entrepreneurs - interest bearing Cr 2 3 2 9 Undertakings, non-residents - non-interest bearing Cr 2 3 3 0 Undertakings, non-residents - interest bearing Cr 2 3 3 1 Natural persons, residents – non-interest bearing Cr 2 3 3 2 Natural persons, residents –interest bearing Cr 2 3 Natural persons, non-residents – non-interest bearing Cr 2 3 3 4 Natural persons, non-residents –interest bearing Cr 2 3 3 5 Undertakings, funds for payment and coverage under letters of credit Cr 2 3 3 6 Undertakings, funds for payment and coverage under guarantees Cr 2 3 3 9 Non-government and other non-profit organizations, residents – non-interest bearing Cr 2 3 4 0 Non-government and other non-profit organizations, residents – interest bearing Cr 2 3 4 1 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2 3 4 2 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2 3 4 3 Others - non-interest bearing Cr 2 3 4 4 Others - interest bearing Cr Demand (Sight) Deposits of the Government of Montenegro, Other Budget of Montenegro Beneficiaries and Local Self-Government Units 2 3 4 5 Government of Montenegro - non-interest bearing Cr 2 3 4 6 Government of Montenegro - interest bearing Cr 2 3 4 7 Local self-government units - non-interest bearing Cr 2 3 4 8 Local self-government units - interest bearing Cr 2 3 4 9 Other Budget of Montenegro beneficiaries- non-interest bearing Cr 2 3 5 0 Other Budget of Montenegro
beneficiaries- interest bearing Cr 2 3 5 1 Others - non- interest bearing Cr 2 3 5 2 Others - interest bearing Cr Demand (Sight) Deposits of Regulatory Agencies 2 3 5 3 Regulatory agencies, residents – non-interest bearing Cr 2 3 5 4 Regulatory agencies, residents –interest bearing Cr

2 3 5 5 Regulatory agencies, non-residents – non-interest bearing Cr 2 3 5 6 Regulatory agencies, non-residents – interest bearing Cr Demand (Sight) Deposits of Funds 2 3 6 1 Investment and Development Fund of Montenegro – non-interest bearing Cr 2 3 6 2 Investment and Development Fund of Montenegro – interest bearing Cr 2 3 6 3 Employment Agency of Montenegro - non-interest bearing Cr 2 3 6 4 Employment Agency of Montenegro - interest bearing Cr 2 3 6 5 Health Insurance Fund - non-interest bearing Cr 2 3 6 6 Health Insurance Fund - interest bearing Cr 2 3 6 7 Pension and Disability Insurance Fund - non-interest bearing Cr 2 3 6 8 Pension and Disability Insurance Fund - interest bearing Cr 2 3 6 9 Voluntary pension funds, residents - non-interest bearing Cr 2 3 7 0 Voluntary pension funds, residents - interest bearing Cr 2 3 7 1 Funds, non-residents - non-interest bearing Cr 2 3 7 2 Funds, non-residents - interest bearing Cr 2 3 7 3 Investment Funds, residents - non-interest bearing Cr 2 3 7 4 Investment Funds, residents - interest bearing Cr 2 3 7 5 Others, residents - non-interest bearing Cr 2 3 7 6 Others, residents - interest bearing Cr 2 3 7 7 Voluntary pension funds – non-residents, non-interest bearing Cr 2 3 7 8 Voluntary pension funds – non-residents, interest bearing Cr Demand (Sight) Deposits of Insurance/Reinsurance Undertakings 2 3 8 1 Private insurance/reinsurance undertakings, residents – non-interest bearing Cr 2 3 8 2 Private insurance/reinsurance undertakings, residents –interest bearing Cr 2 3 8 3 State insurance/reinsurance undertakings, residents – non-interest bearing Cr 2 3 8 4 State insurance/reinsurance undertakings, residents –interest bearing Cr 2 3 8 5 Insurance/reinsurance undertakings, non-residents – non-interest bearing Cr 2 3 8 6 Insurance/reinsurance undertakings, non-residents – interest bearing Cr Demand (Sight) Deposits of Other Financial Institutions 2 3 8 7 Factoring companies, non-residents, non-interest bearing Cr 2 3 8 8 Factoring companies, non-residents, interest bearing Cr 2 3 8 9 Factoring companies, residents, non-interest bearing Cr 2 3 9 0 Factoring companies, residents, interest bearing Cr 2 3 9 1 Micro-credit financial institutions, residents, non-interest bearing Cr 2 3 9 2 Micro-credit financial institutions, residents, interest bearing Cr 2 3 9 3 Micro-credit financial institutions, non-residents, non-interest bearing Cr 2 3 9 4 Micro-credit financial institutions, non-residents, interest bearing Cr 2 3 9 5 Ancillary financial institutions, residents, non-interest bearing Cr 2 3 9 6 Ancillary financial institutions, residents, interest bearing Cr 2 3 9 7 Ancillary financial institutions, non-residents, non-interest bearing Cr 2 3 9 8 Ancillary financial institutions, non-residents, interest bearing Cr Funds at Escrow Account 2 4 0 1 Credit institutions, residents – non-interest bearing Cr 2 4 0 2 Credit institutions, residents –interest bearing Cr 2 4 0 3 Credit institutions, non-residents –
non-interest bearing Cr 2 4 0 4 Credit institutions, non-residents –interest bearing Cr 2 4 0 5 Other depository institutions, residents – non-interest bearing Cr 2 4 0 6 Other depository institutions, residents –interest bearing Cr 2 4 0 7 Other depository institutions, non-residents – non-interest bearing Cr 2 4 0 8 Other depository institutions, non-residents –interest bearing Cr

2 4 0 9
Other financial institutions/undertakings engaged in financial activity, residents – non-interest bearing Cr 2 4 1 0 Other financial institutions/undertakings engaged in financial activity, residents – interest bearing Cr 2 4 1 1 Other financial institutions/undertakings engaged in financial activity, non-residents – non-interest bearing Cr 2 4 1 2 Other financial institutions/undertakings engaged in financial activity, non-residents –interest bearing Cr 2 4 1 3 State undertakings - non-interest bearing Cr 2 4 1 4 State undertakings - interest bearing Cr 2 4 1 5 Private undertakings, residents - non-interest bearing Cr 2 4 1 6 Private undertakings, residents - interest bearing Cr 2 4 1 7 Undertakings, non-residents - non-interest bearing Cr 2 4 1 8 Undertakings, non-residents - interest bearing Cr 2 4 1 9 Entrepreneurs, non-interest bearing Cr 2 4 2 0 Entrepreneurs, interest bearing Cr 2 4 2 1 Government of Montenegro – non-interest bearing Cr 2 4 2 2 Government of Montenegro –interest bearing Cr 2 4 2 3 Other Budget of Montenegro beneficiaries- non-interest bearing Cr 2 4 2 4 Other Budget of Montenegro beneficiaries- interest bearing Cr 2 4 2 5 Local self-government units - non-interest bearing Cr 2 4 2 6 Local self-government units - interest bearing Cr 2 4 2 7 Public services of local self-government units – non-interest bearing Cr 2 4 2 8 Public services of local self-government units – interest bearing Cr 2 4 2 9 State funds – non-interest bearing Cr 2 4 3 0 State funds –interest bearing Cr 2 4 3 1 Regulatory agencies – non-interest bearing Cr 2 4 3 2 Regulatory agencies –interest bearing Cr 2 4 3 3 Private funds, residents – non-interest bearing Cr 2 4 3 4 Private funds, residents –interest bearing Cr 2 4 3 5 Private funds, non-residents – non-interest bearing Cr 2 4 3 6 Private funds, non-residents –interest bearing Cr 2 4 3 7 Natural persons, residents – non-interest bearing Cr 2 4 3 8 Natural persons, residents –interest bearing Cr 2 4 3 9 Natural persons, non-residents – non-interest bearing Cr 2 4 4 0 Natural persons, non-residents –interest bearing Cr 2 4 4 1 Non-government and other non-profit organizations, residents – non-interest bearing Cr 2 4 4 2 Non-government and other non-profit organizations, residents – interest bearing Cr 2 4 4 3 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2 4 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2 4 4 5 Other - non-interest bearing Cr 2 4 4 6 Other - interest bearing Cr Time (Term) Deposits of Banks, Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial Activity 2 5 0 1 Undertakings engaged in financial lease operations, residents – non-interest bearing Cr 2 5 0 2 Undertakings engaged in financial lease operations, residents – interest bearing Cr 2 5 0 3 Undertakings engaged in brokerage activities at capital market, residents – non-interest bearing Cr 2 5 0 4
Undertakings engaged in brokerage activities at capital market, residents - interest bearing Cr 2 5 0 5 State credit institutions, residents – non-interest bearing Cr 2 5 0 6 State credit institutions, residents – interest bearing Cr 2 5 0 7 Private credit institutions, residents – non-interest bearing Cr 2 5 0 8 Private credit institutions, residents – interest bearing Cr 2 5 0 9 Credit institutions, non-residents – non-interest bearing Cr 2 5 1 0 Credit institutions, non-residents – interest bearing Cr

2 5 1 1 Other state depository institutions, residents – non-interest bearing Cr 2 5 1 2 Other state depository institutions, residents – interest bearing Cr 2 5 1 3 Other private depository institutions, residents – non-interest bearing Cr 2 5 1 4 Other private depository institutions, residents – interest bearing Cr 2 5 1 5 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non￾residents – non-interest bearing Cr 2 5 1 6 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non￾residents – interest bearing Cr 2 5 1 7 Others – non-interest bearing Cr 2 5 1 8 Others – interest bearing Cr 2 5 1 9 Central Bank of Montenegro, residents Cr 2 5 2 0 Central banks, non-residents Cr Time (Term) Deposits of Non-Financial Sector 2 5 2 1 State undertakings, residents - non-interest bearing Cr 2 5 2 2 State undertakings, residents - interest bearing Cr 2 5 2 3 Public services of local self-government units – non-interest bearing Cr 2 5 2 4 Public services of local self-government units – interest bearing Cr 2 5 2 5 Private undertakings, residents - non-interest bearing Cr 2 5 2 6 Private undertakings, residents - interest bearing Cr 2 5 2 7 Entrepreneurs - non-interest bearing Cr 2 5 2 8 Entrepreneurs - interest bearing Cr 2 5 2 9 Undertakings, non-residents - non-interest bearing Cr 2 5 3 0 Undertakings, non-residents - interest bearing Cr 2 5 3 1 Natural persons, residents – non-interest bearing Cr 2 5 3 2 Natural persons, residents –interest bearing Cr 2 5 3 3 Natural persons, non-residents – non-interest bearing Cr 2 5 3 4 Natural persons, non-residents –interest bearing Cr 2 5 3 9 Non-government and other non-profit organizations, residents – non-interest bearing Cr 2 5 4 0 Non-government and other non-profit organizations, residents – interest bearing Cr 2 5 4 1 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2 5 4 2 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2 5 4 3 Others - non-interest bearing Cr 2 5 4 4 Others - interest bearing Cr Time (Term) Deposits of the Government of Montenegro, Other Budget of Montenegro Beneficiaries, Local Self-Government Units 2 5 4 5 Government of Montenegro - non-interest bearing Cr 2 5 4 6 Government of Montenegro - interest bearing Cr 2 5 4 7 Local self-government units - non-interest bearing Cr 2 5 4 8 Local self-government units - interest bearing Cr 2 5 4 9 Other Budget of Montenegro beneficiaries- non-interest bearing Cr 2 5 5 0 Other Budget of Montenegro beneficiaries- interest bearing Cr 2 5 5 1 Others - non- interest bearing Cr 2 5 5 2 Others - interest bearing Cr Time (Term) Deposits of Regulatory Agencies 2 5 5 3 Regulatory agencies, residents – non-interest bearing Cr 2 5 5 4 Regulatory agencies, residents –interest bearing Cr 2 5 Regulatory agencies, non-residents – non-interest bearing Cr 2 5 5 6 Regulatory agencies,
non-residents – interest bearing Cr Time (Term) Deposits of Funds 2 5 6 1 Investment and Development Fund of Montenegro – non-interest bearing Cr

2 5 6 2 Investment and Development Fund of Montenegro – interest bearing Cr 2 5 6 3 Employment Agency of Montenegro - non-interest bearing Cr 2 5 6 4 Employment Agency of Montenegro - interest bearing Cr 2 5 6 5 Health Insurance Fund - non-interest bearing Cr 2 5 6 6 Health Insurance Fund - interest bearing Cr 2 5 6 7 Pension and Disability Insurance Fund - non-interest bearing Cr 2 5 6 8 Pension and Disability Insurance Fund - interest bearing Cr 2 5 6 9 Voluntary pension funds, residents - non-interest bearing Cr 2 5 7 0 Voluntary pension funds, residents - interest bearing Cr 2 5 7 1 Funds, non-residents - non-interest bearing Cr 2 5 7 2 Funds, non-residents - interest bearing Cr 2 5 7 3 Investment Funds, residents - non-interest bearing Cr 2 5 7 4 Investment Funds, residents - interest bearing Cr 2 5 7 5 Others, residents - non-interest bearing Cr 2 5 7 6 Others, residents - interest bearing Cr 2 5 7 7 Voluntary pension funds – non-residents, non-interest bearing Cr 2 5 7 8 Voluntary pension funds – non-residents, interest bearing Cr Time (Term) Deposits of Insurance/Reinsurance Undertakings 2 5 8 1 Private insurance/reinsurance undertakings, residents – non-interest bearing Cr 2 5 8 2 Private insurance/reinsurance undertakings, residents –interest bearing Cr 2 5 8 3 State insurance/reinsurance undertakings, residents – non-interest bearing Cr 2 5 8 4 State insurance/reinsurance undertakings, residents –interest bearing Cr 2 5 8 5 Insurance/reinsurance undertakings, non-residents – non-interest bearing Cr 2 5 8 6 Insurance/reinsurance undertakings, non-residents –interest bearing Cr Time (Term) Deposits of Other Financial Institutions 2 5 8 7 Factoring companies, non-residents, non-interest bearing Cr 2 5 8 8 Factoring companies, non-residents, interest bearing Cr 2 5 8 9 Factoring companies, residents, non-interest bearing Cr 2 5 9 0 Factoring companies, residents, interest bearing Cr 2 5 9 1 Micro-credit financial institutions, residents, non-interest bearing Cr 2 5 9 2 Micro-credit financial institutions, non-residents, interest bearing Cr 2 5 9 3 Micro-credit financial institutions, non-residents, non-interest bearing Cr 2 5 9 4 Micro-credit financial institutions, non-residents, interest bearing Cr 2 5 9 5 Ancillary financial institutions, residents, non-interest bearing Cr 2 5 9 6 Ancillary financial institutions, residents, interest bearing Cr 2 5 9 7 Ancillary financial institutions, non-residents, non-interest bearing Cr 2 5 9 8 Ancillary financial institutions, non-residents, interest bearing Cr Credit Institution's Liabilities on Acceptances, Guarantees and Bills of Exchange Outstanding 2 6 0 0 Credit Institutions, residents Cr 2 6 0 1 Credit Institutions, non-residents Cr 2 6 0 2 Undertakings, residents Cr 2 6 0 4 Government of Montenegro Cr 2 6 0 5 Other beneficiaries of the Budget of Montenegro Cr 2 6 0 6 Local self-government units Cr 2 6 0 7 Public services of local self-government units Cr 2 6 0 8 Other depository
institutions/other financial institutions/ undertakings engaged in financial activity, residents Cr 2 6 0 9 Other depository institutions/other financial institutions/ undertakings engaged in financial activity, non-residents Cr 2 6 1 0 Undertakings, non-residents Cr

2 6 1 1 Entrepreneurs Cr
2 6 1 2 Natural persons, residents Cr 2 6 1 3 Natural persons, non-residents Cr 2 6 1 4 Others Cr Liabilities on Non-Current Assets Held for Sale and Discontinued Operations 2 7 0 1 Liabilities on non-current assets held for sale Cr 2 7 0 2 Liabilities on discontinued operations Cr Liabilities on Securities Issued 2 8 0 0 Credit institutions, residents Cr 2 8 0 1 Credit institutions, non-residents Cr 2 8 0 2 Government of Montenegro Cr 2 8 0 3 Other beneficiaries of the Budget of Montenegro Cr 2 8 0 4 Local self-government units Cr 2 8 0 5 Other depository institutions/other financial institutions/undertakings engaged in financial activity, residents Cr 2 8 0 6 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents Cr 2 8 0 7 Undertakings, residents Cr 2 8 0 8 Undertakings, non-residents Cr 2 8 0 9 Others Cr 2 8 1 0 Non amortised discount Dr/Cr Derivatives, Financial Liabilities Held for Trading (Fair Value) 2 8 1 1 Contracts related to interest rates, non-residents Cr 2 8 1 2 Contracts related to foreign exchange rate and price in equity securities, non-residents Cr 2 8 1 3 Other contracts that meet the definition of derivatives under IAS 39, non-residents Cr 2 8 1 4 Financial derivatives, residents Cr Derivatives, Financial Liabilities Used as Hedging Instruments (Fair Value) 2 8 2 1 Contracts related to interest rates, non-residents Cr 2 8 2 2 Contracts related to foreign exchange rate, non-residents Cr 2 8 2 3 Contracts related to price in equity securities, non-residents Cr 2 8 2 4 Other contracts that meet the definition of derivatives under IAS 39, non-residents Cr 2 8 2 5 Financial derivatives, residents Cr Tier 2 capital instruments of a credit institution 2 8 5 0 Tier 2 instrument Cr 2 8 5 1 Tier 2 instrument: parent credit institution and other members of the group of credit institutions Cr Interest Payable and Other Liabilities 2 9 0 1 Interest invoiced: Deposits Cr 2 9 0 2 Interest invoiced: Securities Cr 2 9 0 3 Interest invoiced: loans and borrowings Cr 2 9 0 4 Interest overdraft Cr 2 9 0 5 Interest invoiced: Tier 2 instrument Cr 2 9 0 6 Interest invoiced: derivative financial liabilities Cr 2 9 0 7 Payables on agency activities Cr 2 9 0 8 Prepayment received Cr 2 9 0 9 Other tax payable Cr 2 9 1 0 Dividends payable Cr 2 9 1 1 Payroll: salaries Cr 2 9 1 2 Payroll: Pension and Disability Insurance Fund Cr 2 9 1 3 Payroll: Health Cr 2 9 1 4 Payroll: Unemployment Cr 2 9 1 5 Payroll: Other Cr 2 9 1 6 Payroll: local self-government unit, construction land Cr 2 9 1 7 Payroll: Court decisions Cr 2 9 1 8 Invoiced liabilities: suppliers Cr

2 9 1 9 Payables for fees and commissions Cr 2 9 2 0 Due to citizens for frozen foreign currency deposits Cr 2 9 2 1 Liabilities under financial lease (capital) Cr 2 9 2 2 Liabilities on payment cards Cr 2 9 2 3 Current tax payables Cr 2 9 2 4 Deferred tax liabilities Cr 2 9 2 5 Other liabilities Cr 2 9 2 6 Other financial liabilities Cr 2 9 2 7 Lease liabilities Cr 2 9 2 9 Suspense account Cr Provisioning 2 9 3 0 Provisions for losses on off balance sheet assets Cr 2 9 3 1 Provisions for severance payments and jubilee rewards Cr 2 9 3 2 Provisions for unused annual leaves Cr 2 9 3 3 Provisions for lawsuits Cr 2 9 3 4 Provisions for other Cr Deferrals and Prepaid Income 2 9 4 1 Deferrals: loans Cr 2 9 4 2 Deferrals: debt securities Cr 2 9 4 3 Deferrals: deposits Cr 2 9 4 4 Deferrals: Tier 2 instrument Cr 2 9 4 5 Deferrals: derivative financial liabilities Cr 2 9 4 6 Deferrals: other Cr 2 9 4 7 Prepaid income Cr 2 9 4 8 Accrued expenses Cr Deferrals on Other Bases 2 9 5 1 Deferrals of fees: loans Dr 2 9 5 2 Deferrals of fees: debt securities Dr 2 9 5 3 Deferrals of fees: deposits Dr 2 9 5 4 Deferrals of fees: Tier 2 instrument Dr 2 9 5 5 Deferrals of fees: other Dr 2 9 8 9 Non-controlling interests in equity (minority interests) Cr 2 9 Special account of opening/closing general ledger Cr Effects of Changes in the Fair Value of Items Being Subject to Hedging 2 9 6 0 Effects of changes in the fair value of items being subject to hedging in respect of the group of financial assets Cr 2 9 6 1 Effects of changes in the fair value of items being subject to hedging in foreign currency in respect of the group of financial assets Cr TOTAL LIABILITIES (from 2101 – 2999) CAPITAL AND RESERVES (from 3001 – 3999) 3 0 0 1 Issued capital - ordinary shares Cr 3 0 0 2 Issued capital - preferred shares Cr 3 0 0 3 Issue premium Cr 3 0 0 4 Acquired shares Dr 3 0 0 6 Reserves based on fair value Dr/Cr 3 0 0 7 Other reserves Cr 3 0 0 8 Profit and loss: accumulated from prior years Cr 3 0 0 9 Profit and loss: current year Cr 3 0 1 0 Effects of IFRS 9 implementation starting from 1 January 2018 Dr/Cr 3 0 1 4 Reserves for acquired treasury shares Cr 3 0 2 5 Provisions for estimated losses under regulatory requirement Cr 3 0 8 8 Financial assets at fair value through other comprehensive income Dr/Cr 3 9 Income summary Dr/Cr

TOTAL LIABILITIES AND CAPITAL (from 2101 – 3999) PROFIT AND LOSS ACCOUNTS Interest income (TOTAL from 4011 – 4099) Credit Institutions 4011 Short-term funds Cr 4012 Repurchase operations Cr 4014 Securities Cr 4015 Loans Cr 4018 Interest income on impaired placements Cr 4019 Other Cr Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial Activity 4021 Short-term funds Cr 4022 Repurchase operations Cr 4024 Securities Cr 4025 Loans Cr 4028 Interest income on impaired placements Cr 4029 Other Cr Government of Montenegro, Other Budget of Montenegro Beneficiaries and Regulatory Agencies 4031 Short-term funds Cr 4032 Repurchase operations Cr 4034 Securities Cr 4035 Loans Cr 4038 Interest income on impaired placements Cr 4039 Other Cr Local Self-Government Units 4041 Short-term funds Cr 4042 Repurchase operations Cr 4044 Securities Cr 4045 Loans Cr 4048 Interest income on impaired placements Cr 4049 Other Cr Private Undertakings 4051 Short-term funds Cr 4052 Repurchase operations Cr 4054 Securities Cr 4055 Loans Cr 4058 Interest income on impaired placements Cr 4059 Other Cr Natural Persons 4061 Short term funds Cr 4065 Loans Cr 4068 Interest income on impaired placements Cr 4069 Other Cr Entrepreneurs 4071 Short term funds Cr 4075 Loans Cr 4078 Interest income on impaired placements Cr 4079 Other Cr

State Undertakings
4081 Short-term funds Cr
4082 Repurchase operations Cr 4084 Securities Cr 4085 Loans Cr 4088 Interest income on impaired placements Cr 4089 Other Cr Other 4091 Short-term funds Cr 4092 Repurchase operations Cr 4095 Loans Cr 4098 Interest income on impaired placements Cr 4099 Other Cr Interest Expenses (TOTAL from 4111 – 4197) Credit Institutions 4111 Deposits Dr 4112 Repurchase operations Dr 4115 Other borrowings Dr 4116 Tier 2 instrument Dr 4117 Securities Dr 4119 Other Dr Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial 4121 Deposits Dr 4122 Repurchase operations Dr 4125 Other borrowings Dr 4126 Tier 2 instrument Dr 4127 Securities Dr 4129 Other Dr

Government of Montenegro, Other Budget of Montenegro Beneficiaries and Regulatory Agencies 4131 Deposits Dr 4132 Repurchase operations Dr 4135 Other borrowings Dr 4136 Tier 2 instrument Dr 4137 Securities Dr 4139 Other Dr Local Self-Government Units 4141 Deposits Dr 4142 Repurchase operations Dr 4145 Other borrowings Dr 4146 Tier 2 instrument Dr 4147 Securities Dr 4149 Other Dr Private Undertakings 4151 Deposits Dr 4152 Repurchase operations Dr 4155 Other borrowings Dr 4156 Tier 2 instrument Dr 4157 Securities Dr 4159 Other Dr Natural Persons 4161 Deposits Dr

4166 Tier 2 instrument Dr
4167 Securities Dr
4169 Other Dr
Entrepreneurs
4 1 7 1 Deposits Dr
4 1 7 9 Other Dr
State Undertakings
4181 Deposits Dr
4182 Repurchase operations Dr 4185 Other borrowings Dr 4189 Other Dr Other 4191 Deposits other persons Dr 4192 Repurchase operations Dr 4193 Lease operations Dr 4195 Other borrowings Dr 4196 Tier 2 instrument Dr 4197 Other Dr Fee and Commission Income (TOTAL from 4310 – 4399) Credit Institutions 4310 Payment cards and ATM operations Cr 4311 Loans Cr 4312 Off balance sheet dealings Cr 4313 Sureties Cr 4314 Payment system Cr 4315 Investment banking Cr 4316 Accountancy Cr 4317 Deposit insurance Cr 4318 Other services Cr 4319 Other Cr Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial Activity 4320 Payment cards and ATM operations Cr 4321 Loans Cr 4322 Off balance sheet dealings Cr 4323 Sureties Cr 4324 Payment system Cr 4325 Investment banking Cr 4326 Accountancy Cr 4327 Deposit insurance Cr 4328 Other services Cr 4329 Other Cr Government of Montenegro, Other Budget of Montenegro Beneficiaries and Regulatory Agencies 4330 Payment cards and ATM operations Cr 4331 Loans Cr 4332 Off balance sheet dealings Cr 4333 Sureties Cr 4334 Payment system Cr 4335 Investment banking Cr 4336 Accountancy Cr 4337 Deposit insurance Cr 4338 Other services Cr 4339 Other Cr

Local Self-Government Units 4340 Payment cards and ATM operations Cr 4341 Loans Cr 4342 Off balance sheet dealings Cr 4343 Sureties Cr 4344 Payment system Cr 4345 Investment banking Cr 4346 Accountancy Cr 4347 Deposit insurance Cr 4348 Other services Cr 4349 Other Cr Private Undertakings 4350 Payment cards and ATM operations Cr 4351 Loans Cr 4352 Off balance sheet dealings Cr 4353 Sureties Cr 4354 Payment system Cr 4355 Investment banking Cr 4356 Accountancy Cr 4357 Deposit insurance Cr 4358 Other services Cr 4359 Other Cr Natural Persons 4360 Payment cards and ATM operations Cr 4361 Loans Cr 4362 Off balance sheet dealings Cr 4363 Sureties Cr 4364 Payment system Cr 4365 Investment banking Cr 4366 Accountancy Cr 4367 Deposit insurance Cr 4368 Other services Cr 4369 Other Cr Entrepreneurs 4370 Payment cards and ATM operations Cr 4371 Loans Cr 4372 Off balance sheet dealings Cr 4373 Sureties Cr 4374 Payment system Cr 4375 Investment banking Cr 4376 Accountancy Cr 4377 Deposit insurance Cr 4378 Other services Cr 4379 Other Cr State Undertakings 4380 Payment cards and ATM operations Cr 4381 Loans Cr 4382 Off balance sheet dealings Cr 4383 Sureties Cr 4384 Payment system Cr 4385 Investment banking Cr 4386 Accountancy Cr 4387 Deposit insurance Cr 4388 Other services Cr 4389 Other Cr

Other
4390 Payment cards and ATM operations Cr 4391 Loans Cr 4392 Off balance sheet dealings Cr 4393 Sureties Cr 4394 Payment system Cr 4395 Investment banking Cr 4396 Accountancy Cr 4397 Deposit insurance Cr 4398 Other services Cr 4399 Other Cr Fee and Commission Expenses (TOTAL from 4510 – 4598) Credit Institutions 4510 Payment cards and ATM operations Dr 4511 Loans Dr 4512 Off balance sheet dealings Dr 4513 Payment system expense to CBCG Dr 4514 Payment system expense to other credit institutions Dr 4515 Sureties Dr 4516 Investment banking Dr 4517 Accountancy Dr 4518 Deposit insurance Dr 4519 Other Dr Other Depository Institutions, Other Financial Institutions and Undertakings Engaged in Financial Activity 4520 Payment cards and ATM operations Dr 4521 Loans Dr 4522 Off balance sheet dealings Dr 4523 Sureties Dr 4524 Payment system Dr 4525 Investment banking Dr 4526 Accountancy Dr 4527 Deposit insurance Dr 4528 Other Dr Government of Montenegro, Other Budget of Montenegro Beneficiaries and Regulatory Agencies 4530 Payment cards and ATM operations Dr 4531 Loans Dr 4532 Off balance sheet dealings Dr 4533 Sureties Dr 4534 Payment system Dr 4535 Investment banking Dr 4536 Accountancy Dr 4537 Deposit insurance Dr 4538 Other Dr Local Self-Government Units 4540 Payment cards and ATM operations Dr 4541 Loans Dr 4542 Off balance sheet dealings Dr 4543 Sureties Dr 4544 Payment system Dr 4545 Investment banking Dr 4546 Accountancy Dr 4547 Deposit insurance Dr 4548 Other Dr

Private Undertakings
4550 Payment cards and ATM operations Dr 4551 Loans Dr 4552 Off balance sheet dealings Dr 4553 Sureties Dr 4554 Payment system Dr 4555 Investment banking Dr 4556 Accountancy Dr 4557 Deposit insurance Dr 4558 Other Dr Natural Persons 4560 Payment cards and ATM operations Dr 4561 Loans Dr 4562 Off balance sheet dealings Dr 4563 Sureties Dr 4564 Payment system Dr 4565 Investment banking Dr 4566 Accountancy Dr 4567 Deposit insurance Dr 4568 Other Dr Entrepreneurs 4570 Payment cards and ATM operations Dr 4571 Loans Dr 4572 Off balance sheet dealings Dr 4573 Sureties Dr 4574 Payment system Dr 4575 Investment banking Dr 4576 Accountancy Dr 4577 Deposit insurance Dr 4578 Other Dr State Undertakings 4580 Payment cards and ATM operations Dr 4581 Loans Dr 4582 Off balance sheet dealings Dr 4583 Sureties Dr 4584 Payment system Dr 4585 Investment banking Dr 4586 Accountancy Dr 4587 Deposit insurance Dr 4588 Other Dr Other 4590 Payment cards and ATM operations Dr 4591 Loans Dr 4592 Off balance sheet dealings Dr 4593 Sureties Dr 4594 Payment system Dr 4595 Investment banking Dr 4596 Accountancy Dr 4597 Deposit insurance Dr 4598 Other Dr Net Gains (Losses) from Held for Trading Securities, Derivatives and Foreign Currencies 4620 Net revenue from held for trading securities – stocks Cr/Dr 4622 Net revenue from held for trading securities – not stocks Cr/Dr

4624 Net gains (losses) from derivatives trading Cr/Dr 4625 Net gains (losses) from FX trading (sport transactions) Cr/Dr 4626 Net gains (losses) from change in fair value in hedge accounting Cr/Dr Net Gains (Losses) from Other Financial Instruments Held for Trading 4627 Net gains (losses) from other financial instruments held for trading Cr/Dr Net gains (Losses) from Securities arising from Derecognition at Fair Value through Other Comprehensive Income 4 7 3 0 from Government of Montenegro Cr/Dr 4 7 4 0 from local self-government units Cr/Dr 4 7 7 0 from other issuers, debt securities Cr/Dr 4 7 9 0 from other issuers, not stocks Cr/Dr Net gains (Losses) from Other Financial Instruments arising from Derecognition at Fair Value through Other Comprehensive Income 4 7 8 0 Net gains (losses) from other financial instruments arising from derecognition at fair Value through other comprehensive income Cr/Dr Net Gains (Losses) from Financial Instruments Carried at Fair Value through Profit and Loss 4 8 1 0 Net gains (losses) from financial instruments carried at fair value through profit and loss Cr/Dr Net Gains (Losses) from Securities arising from Derecognition Measured at Amortised Cost 4 8 3 0 from Government of Montenegro Cr/Dr 4 8 4 0 from local self-government units Cr/Dr 4 8 7 0 from other issuers, not stocks Cr/Dr Net Gains (Losses) from Other Financial Instruments arising from Derecognition Measured at Amortised Cost 4 8 8 0 Net gains (losses) from other financial instruments arising from derecognition measured at amortised cost Cr/Dr Net Gains (Losses) from Other Equity Investments 4 8 9 4 Net gains (losses) from equity investments (significant influence) Cr/Dr 4 8 9 6 Net gains (losses) from equity investments (control) Cr/Dr 4 8 9 7 Net gains (losses) from joint ventures Cr/Dr Gains and Losses from Revaluation 4 9 0 1 FX revaluation gains Cr 4 9 1 1 FX revaluation losses Dr Net Gains (Losses) from Repurchase Operations 4 9 1 6 Net gains (losses) from repurchase operations Cr/Dr Net Gains (Losses) from Custody Operations 4 9 1 7 Net gains (losses) from custody operations Cr/Dr Income/Expense related to Securitisation and Servicing 4 9 2 5 Amortization expense on servicing rights Dr 4 9 2 6 Servicing for others – Income Cr 4 9 2 7 Servicing for others – Expense Dr Dividend Income 4 9 3 1 Held for trading securities Cr 4 9 3 2 Securities at fair value through other comprehensive income Cr 4 9 3 3 Securities carried at fair value through profit and loss, not held for trading Cr 4 9 3 4 Dividends from investment in subsidiaries, associates and joint ventures applying cost method

Other
4 9 9 0 Other operating income Cr 4 9 9 1 Income from collected written off receivables Cr 4 9 9 2 Gains (losses) based on modification of financial instruments Dr/Cr 4 9 9 3 Gains (losses) based on reclassification of financial instruments Dr/Cr 4 9 9 5 Other non-operating income Dr 4 9 9 6 Expenses based on direct write-off of receivables Dr TOTAL (from 4011-4998) Costs of Salaries and Fringe Benefits 5001 Net salaries Dr 5002 Net sick leave benefits Dr 5003 Net annual leave benefits Dr 5004 Other net employee benefits 5005 Net transportation expense Dr 5011 Net fees for maternity leave Dr 5012 Contributions for pension and disability insurance to debit employee Dr 5013 Contributions for health insurance to debit employee Dr 5014 Contributions for unemployment insurance to debit employee Dr 5015 Contributions for pension and disability insurance to debit employer Dr 5016 Contributions for health insurance to debit employer Dr 5017 Contributions for unemployment insurance to debit employer Dr 5018 Contributions for Chamber of Economy of Montenegro to debit employer Dr 5019 Contributions for solidarity to debit employer Dr 5020 Contributions for Labour Fund to debit employer Dr 5021 Contribution for professional rehabilitation of disabled persons to debit employer Dr 5022 Surtax expense Dr 5023 Tax expense Dr 5027 Other payroll related costs Dr 5028 Provision expenses for severance payments and jubilee rewards Dr/Cr 5029 Provision expenses for unused annual leaves Dr/Cr Other Employee Expenses 5041 Professional education Dr 5042 Travel and entertainment Dr 5043 Travel expenses and per diems Dr 5044 Training Dr 5045 Other employee expenses Dr Business Premise and Equipment Expenses 5051 Rent Dr 5052 Building repairs and maintenance Dr 5053 Security (Physical) Dr 5054 Electricity Dr 5055 Heating Dr 5056 Water Dr 5057 Cleaning (Janitorial services) Dr 5058 Computer and equipment maintenance Dr 5059 Operating leases Dr 5060 Business premise related taxes Dr 5081 Motor vehicle expenses Dr 5082 Insurance Dr Depreciation and Amortisation 5102 Buildings Dr 5103 Investment properties Dr 5104 Plant and equipment Dr 5105 Office equipment Dr

5106 Vehicles Dr
5107 Hardware Dr
5108 Computer programmes (software) Dr 5109 Small inventory Dr 5121 Right-of-use assets Dr 5129 Other tangible assets Dr 5132 Patents/Trademarks Dr 5133 Concessions Dr 5139 Other intangible assets Dr Professional Fees and Expenses 5201 Audit Dr 5202 Data processing Dr 5203 Court expenses Dr 5204 Other professional fees Dr 5205 Customs and freight forwarding expenses Dr 5206 Lawyer services expenses Dr 5207 Securities related expenses Dr 5208 Scholarship expenses Dr 5209 Intellectual services expenses Dr 5210 Accommodation expenses Dr 5211 Consultancy services Dr 5212 Cash transport expenses Dr Other 5301 Telephone Dr 5302 Telecommunication networks expenses Dr 5303 Postage Dr 5304 Stationery Dr 5305 Subscriptions and donations Dr 5306 Utility services Dr 5307 Cleaning and laundry Dr 5308 Entertainment expenses Dr 5309 Fuel expenses Dr 5310 Consumables Dr 5321 Publications Dr 5322 Advertising and marketing Dr 5323 Printing and photocopying Dr 5324 Value added taxes Dr 5325 Other tax expenses Dr 5326 Duties (property, tourist organisations, miscellaneous duties Dr 5399 Miscellaneous expenses Dr 5401 Impairment of assets Dr 5501 Current tax Dr 5511 Deferred tax expense in the current period Dr/Cr 5522 Gains on disposal of property, plant and equipment Cr 5523 Losses on disposal and write-off of property, plant and equipment Dr 5524 Income and expenses based on reducing investment properties to fair value Dr/Cr 5525 Net gains (losses) from derecognition of investment properties Dr/Cr 5526 Net gains (losses) from the sale of assets acquired based on the collection of receivables Dr/Cr Allowances for Impairment and Provision Expenses 5610 Allowances for impairment for loans and other receivables Dr/Cr 5611 Allowances for impairment of deposits with banks, other depository institutions, other financial institutions and undertakings engaged in financial activity Dr/Cr 5612 Allowances for impairment of factoring and forfaiting Dr/Cr 5614 Allowances for impairment of securities at fair value through other comprehensive income Dr/Cr 5615 Allowances for impairment of securities measured at amortised cost Dr/Cr 5616 Allowances for impairment of credit institution receivables on acceptances, guarantees and bills of exchange outstanding Dr/Cr

5617 Allowances for impairment for other funds Dr/Cr 5618 Allowances for impairment for interest receivables Dr/Cr 5619 Provision expenses for off balance sheet obligations Dr/Cr 5620 Other allowances for impairment Dr/Cr 5621 Allowances for impairment of equity investments in associates (significant influence) Dr/Cr 5622 Allowances for impairment of equity investments in subsidiaries Dr/Cr 5624 Allowances for impairment for servicing rights Dr/Cr 5627 Allowances for impairment for other assets Dr/Cr 5628 Allowances for impairment for receivables from custody operations Dr/Cr 5629 Allowances for impairment for accruals and prepayments Dr/Cr 5630 Provision expenses for lawsuits Dr/Cr 5631 Provision expenses for other Dr/Cr 5632 Allowances for impairment of acquired assets Dr/Cr Non-Operating and Extraordinary Expenses 5641 Non-operating expenses Dr 5651 Prior year adjustments Dr 5660 Extraordinary income Cr 5661 Extraordinary expenses Dr TOTAL (from 5001-5661) OFF BALANCE SHEET ITEMS Guarantees Given 9010 Credit institutions Cr 9020 Other depository institutions, other financial institutions and undertakings engaged in financial activity Cr 9030 Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies Cr 9040 Local self-government units Cr 9050 Undertakings Cr 9060 Natural persons Cr 9070 Entrepreneurs Cr 9080 Other Cr Guarantees Received 9110 Credit institutions Cr 9120 Other depository institutions, other financial institutions and undertakings engaged in financial activity Cr 9130 Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies Cr 9140 Local self-government units Cr 9150 Undertakings Cr 9160 Natural persons Cr 9170 Entrepreneurs Cr 9180 Other Cr Letters of Credit 9 2 1 0 Confirmed Cr 9 2 2 0 Uncovered Cr Bill of exchange 9 3 1 0 Issued Cr Cheques 9 3 2 0 Received Cr Credit Obligations Given 9 4 1 0 Credit institutions Cr 9 4 2 0 Others Cr

9 4 2 1 Revocable credit obligations Cr Credit Obligations Received 9 5 1 0 Credit institutions Cr 9 5 2 0 Other Cr 9 5 3 0 Custody operations Dr Accrued Interest 9 6 2 0 Accrued Interest Dr Security Interest (Collateral) Received 9710 Property Dr 9720 Securities Dr 9721 Pledge on movable properties Dr 9722 Bills of exchange Dr 9723 Insurance policies Dr 9724 Deposits Dr 9725 Guarantees of the Government of Montenegro Dr 9726 Guarantees of other central Governments and international institutions Dr 9727 Guarantees of parent credit institutions Dr 9730 Other Dr 9740 Given Dr Contractual Value of Derivative Financial Instruments Held for Trading (break down of asset accounts) 9751 Contractual value of derivative financial instruments related to interest rates Dr 9752 Contractual value of derivative financial instruments related to foreign exchange rate Dr 9753 Contractual value of derivative financial instruments related to prices in equity securities Dr 9754 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Dr Contractual Value of Derivative Financial Instruments used as Hedging Instruments (break down of asset accounts) 9755 Contractual value of derivative financial instruments related to interest rates Dr 9756 Contractual value of derivative financial instruments related to foreign exchange rate Dr 9757 Contractual value of derivative financial instruments related to prices in equity securities Dr 9758 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Dr 9759 Contractual value of derivative financial instruments (counter-item to the breakdown of liabilities accounts) Dr Contractual Value of Derivative Financial Instruments Held for Trading (break down of liabilities accounts) 9760 Contractual value of derivative financial instruments related to interest rates Cr 9761 Contractual value of derivative financial instruments related to foreign exchange rate Cr 9762 Contractual value of derivative financial instruments related to prices in equity securities Cr 9763 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Cr Contractual Value of Derivative Financial Instruments used as Hedging Instruments (break down of liabilities accounts) 9764 Contractual value of derivative financial instruments related to interest rates Cr 9765 Contractual value of derivative financial instruments related to foreign exchange rate Cr 9766 Contractual value of derivative financial instruments related to prices in equity securities Cr 9767 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Cr 9768 Contractual value of derivative financial instruments (counter-item to the breakdown of liabilities accounts) Cr 9769 Other asset off balance sheet items in EUR Dr 9770 Other asset off balance sheet items in other foreign currencies
Dr

Assets Held in Trust
9810 Securities and valuables of clients for safekeeping Cr 9820 Other assets held for safekeeping Cr 9830 Managed securities Cr 9840 Other managed assets - including agency loans Cr 9900 Memorandum Account Dr 9910 Memorandum Account Cr 9920 Memorandum Account Dr 9930 Memorandum Account Dr 9940 Memorandum Account Dr 9950 Memorandum Account Cr 9960 Memorandum Account Cr 9970 Memorandum Account Cr 9980 Memorandum Account Dr 9990 Other liabilities off balance sheet items in EUR Cr 9991 Other liabilities off balance sheet items in other foreign currencies Cr TOTAL OFF BALANCE SHEET (except accounts 9759, 9768 and memorandum accounts from 9900 to 9980)

6. Balance Sheet (Template M-BS)
   (000 €)
   No ASSETS Amount
7. Cash and deposit accounts with central banks
8. Financial assets at amortised cost
9. a) Loans and receivables from credit institutions
10. b) Loans and receivables from clients
11. c) Securities
12. d) Other financial assets
13. Financial assets at fair value through other comprehensive income
14. a) Loans and receivables from credit institutions
15. b) Loans and receivables from clients
16. c) Securities
17. d) Other financial assets
18. Held-for-trading financial assets
19. a) Loans and receivables from credit institutions
20. b) Loans and receivables from clients
21. c) Securities
22. d) Other financial assets
23. Financial assets carried at fair value through profit and loss, not held for
    trading
24. a) Loans and receivables from credit institutions
25. b) Loans and receivables from clients
26. c) Securities
27. d) Other financial assets
28. Derivative financial assets as hedging instruments
29. Changes in the fair value of items being subject to hedging
30. Investments in associates, subsidiaries and joint ventures at equity
    method
31. Investment properties
32. Property, plant and equipment
33. Intangible assets
34. Current tax assets
35. Deferred tax assets
36. Non-current assets held for sale and discontinued operations
37. Other assets
38. TOTAL ASSETS:

LIABILITIES
17. Financial liabilities carried at amortised cost
17. a) Deposits of credit institutions and central banks
17. b) Deposits of clients
17. c) Borrowings from credit institutions and central banks
17. d) Borrowings from clients other than credit institutions
17. e) Securities
17. f) Other financial liabilities
18. Held-for-trading financial liabilities
18. a) Deposits of credit institutions and central banks
18. b) Deposits of clients
18. c) Borrowings from credit institutions and central banks
18. d) Borrowings from clients other than credit institutions
18. e) Securities
18. f) Other financial liabilities
19. Financial liabilities not traded and measured at fair value through profit or
loss
19. a) Deposits of credit institutions and central banks
19. b) Deposits of clients
19. c) Borrowings from credit institutions and central banks
19. d) Borrowings from clients other than credit institutions
19. e) Securities
20. Derivative financial liabilities as hedging instruments
21. Changes in the fair value of items being subject to hedging
22. Provisions
23. Liabilities on non-current assets held for sale and discontinued
operations
24. Current tax liabilities
25. Deferred tax liabilities
26. Other liabilities
27. Subordinated debt
28 TOTAL LIABILITIES:
CAPITAL
29 Share capital
30 Issue premiums
31 Retained earnings
32 Current year profit/loss 33 Other reserves
34. Non-controlling interests in equity
35. TOTAL CAPITAL:
36. TOTAL CAPITAL AND LIABILITIES:

7. Balance Sheet (Template M-BS1)
   (000 €)
   No. ASSETS Amount
   1 Cash and deposit accounts with central banks 2 Loans and other receivables
   2.1 Value adjustment of loans and receivables
   2.2 Net loans and other receivables
   3 Securities
   4 Derivative financial assets 5 Other assets 6 Value adjustment of other assets 7 Deposits 8 Borrowings 9 Issued securities 10 Financial derivatives 11 Other liabilities 12 Total capital 13 Total

8. Profit and Loss Statement (Template M-BU)
   (000 €)
   POSITION

9. Interest income and similar income

10. Interest income on impaired loans

11. Interest expenses and similar expenses
    NET INTEREST INCOME (1+2-3) 4 Fee and commission income 5 Fee and commission expenses NET FEE AND COMMISSION INCOME (4-5) 6 Net gains/losses from derecognition of financial instruments not carried at fair value through profit or loss 7 Net gains/losses on held-for-trading financial instruments 8 Net gains/losses from financial instruments carried at fair value through profit or loss, not held for trading 9 Changes in fair value in hedge accounting 10 Net gains/losses from FX revaluation 11 Net gains/losses from derecognition of other assets 12 Other income 13 Employee expenses 14 Depreciation expenses 15 Overhead and administrative expenses 16 Net gains/losses from modification and reclassification of financial instruments 17 Net gains/losses from impairment of financial instruments not carried at fair value through profit or loss 18 Provision expenses 19 Other expenses 20 PROFIT/LOSS BEFORE TAX 21 Profit tax 22 NET PROFIT/LOSS

12. Report on Other Comprehensive Income (Template M-UOR)
    For the period from ___________ to _________ (000 €) No POSITION 1 PROFIT FOR THE PERIOD 2 LOSS FOR THE PERIOD Other comprehensive income for the period Components of other comprehensive income that cannot be reclassified into profit or loss:
    3 Increase in revaluation reserves based on intangible assets and fixed assets 4 Decrease in revaluation reserves based on intangible assets and fixed assets 5 Actuarial gains 6 Actuarial losses 7 Positive effects on fair value changes of equity securities measured at fair value through other comprehensive income 8 Negative effects on fair value changes of equity securities measured at fair value through other comprehensive income 9 Unrealised gains on equity instruments measured at fair value through other comprehensive income (hedging instrument) 10 Unrealised losses on equity instruments measured at fair value through other comprehensive income (hedging instrument) 11 Unrealised gains on financial liabilities of the credit institution measured at fair value through profit or loss attributable to changes its credit risk 12 Unrealised losses on financial liabilities of the credit institution measured at fair value through profit or loss attributable to changes its credit risk 13 Positive effects on fair value changes of other components of other comprehensive income that cannot be classified into profit or loss 14 Negative effects on fair value changes of other components of other comprehensive income that cannot be classified into profit or loss Components of other comprehensive income that can be reclassified into profit or loss:
    15 Positive effects on fair value changes of debt securities measured at fair value through other comprehensive income 16 Negative effects on fair value changes of debt securities measured at fair value through other comprehensive income 17 Gains on cash flow hedges 18 Losses on cash flow hedges 19 Unrealised gains on calculating foreign currency transaction and balances and translation of results and financial position of foreign operations 20 Unrealised losses on calculating foreign currency transaction and balances and translation of results and financial position of foreign operations 21 Unrealised gains on net investments in foreign operations (hedging instruments) 22 Unrealised losses on net investments in foreign operations (hedging instruments) 23 Unrealised gains on other hedging instruments 24 Unrealised losses on other hedging instruments 25 Positive effects on fair value changes of other components of other comprehensive income that can be reclassified into profit or loss 26 Negative effects on fair value changes of other components of other comprehensive income that can be reclassified into profit or loss 27 Gains on taxes referred to other comprehensive income for the period 28 Losses on taxes referred to other comprehensive income for the period 29 Total positive other comprehensive income for the period (03 - 04 + 05 - 06 + 07 - 08 + 09 - 10 + 11 - 12 + 13 - 14 + 15 - 16 + 17 – 18 + 19 – 20 + 21 – 22 + 23 -24 + 25 - 26 + 27 - 28) ≥ 0 30 Total negative other comprehensive income for the period (03 - 04 + 05 - 06 + 07 - 08 + 09 - 10 + 11 - 12 + 13 - 14 + 15 - 16 + 17 – 18 + 19 – 20 + 21 – 22 + 23 -24 + 25 - 26 + 27 - 28) < 0 31 POSITIVE OTHER COMPREHENSIVE INCOME FOR THE PERIOD (01 - 02 + 29 - 30) ≥ 0 32 NEGATIVE OTHER COMPREHENSIVE INCOME FOR THE PERIOD (01 - 02 + 29 - 30) < 0 33 Total positive other comprehensive income for the period attributable to owners of the parent 34 Total positive other comprehensive income attributable to minority interest (non-controlling interest) 35 Total negative other comprehensive income for the period attributable to owners of the parent 36 Total negative other comprehensive income attributable to minority interest (non-controlling interest)

10.Off-Balance Sheet Records (Template M-BS_VB) (000 €) Position Description Amount

1. Irrevocable commitments for granting loans
2. Irrevocable documentary letters of credits issued for foreign payments
3. Other letters of credit issued for foreign payments
4. Guarantees issued
   4.1. Payment guarantees issued
   4.2. Performance guarantees issued
   4.3. Other types of guarantees
5. Bills of exchange issued and sureties given
6. Foreign cheques sent for collection
7. Nostro financial activities connected with the collection process
8. Current FX contracts
   8.1. Spot FX sale
   8.2. Spot FX purchase
   8.3. Forward FX sale
   8.4. Forward FX purchase
   8.a. Other derivative financial instruments 9 Receivables written off from internal records 10 Collateral based on receivables 11 Other items of bank’s off-balance sheet exposure 12 Total 13 MEMORANDUM
   13.1. Accrued interest
   13.2. Other

11.Report on Cash and Deposit Accounts with Central Banks (Template M-ND) (000 €) No. Description EUR Foreign currency Total:
A* Cash and deposits with central banks

1. Cash
2. Cash in the process of collection
3. Funds at settlement account with the Central Bank of Montenegro
4. Deposits with the Central Bank of Montenegro
5. Deposits with other central banks
   B Value adjustment of cash and deposits with central banks
6. Value adjustment of cash and deposits with central banks
   C Interest receivables and value adjustment of interest receivables
7. Receivables from invoiced interest: deposits
8. Value adjustments of interest receivables
   D TOTAL: (A - B + C)
   NOTE:
   *Total amount of A) must be equal to the position 1 in the Form BS1 Foreign currencies denominated in EUR as at reporting date

• Total amount of D) must be equal to the position 1 in the Form BS

12.Report on Receivables from Credit Institutions and Other Financial Institutions (Demand and Term) (Template M-PBFI) (000 €) No Account Name of credit institution / financial institution Currency Balance in foreign currency Balance in EUR Maturity Interest rate Classification Loss provisions Value adjustment % of credit institution’s Tier 1 capital 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50.
51. other
52. total

Account Total amount in thousand EUR 1009 1013 1014 1015 1120 1121 1122 1124 1125 1126 1127 1128 1129 1130 1131 1139 total

13.Liquidity Coverage Report – Liquid Assets (Template LP-LA) (000 €) No DESCRIPTION Amount/ Market value Standard weight Applicable weight Value in accordance with Article 9 1 2 3 4=1*3 1 TOTAL UNADJUSTED LIQUID ASSETS
1.1 Total unadjusted level 1 assets
1.1.1 Total unadjusted Level 1 assets excluding extremely high
quality (EHQ) covered bonds
1.1.1.1 Coins and banknotes 1,00 1,00
of which: cash in transit
1.1.1.2 Central Bank reserves 1,00 1,00
of which: reserve requirement of which: current account balance
1.1.1.3 Central Bank assets 1,00 1,00
of which: assets representing claims on or guaranteed by central banks of third countries which have been assigned CQS1
1.1.1.4 Central Government assets 1,00 1,00
of which: third country securities which have been assigned CQS1 of which: securities of Montenegro
1.1.1.5 Regional government / local authorities assets 1,00 1,00
1.1.1.6 Public Sector Entity assets 1,00 1,00
of which: third country public sector assets
1.1.1.7 Recognisable domestic and foreign currency Central Government
and Central Bank assets 1,00 1,00 of which: assets representing claims on or guaranteed by the central government or the central bank of a third country which is not assigned a credit quality step 1 credit assessment by a nominated ECAI, where the asset is not denominated in the domestic currency of the third country
1.1.1.8 Credit institution (protected by Member State authority, promotional
lender) assets 1,00
1.1.1.9 Multilateral development bank and international organisations assets 1,00 1,00
1.1.1.10 Qualifying CIU shares/units: underlying is coins/banknotes and/or
central bank exposure 1,00 1,00
1.1.1.11 Qualifying CIU shares/units: underlying is Level 1 assets excluding
EHQ covered bonds 0,95 0,95
1.1.1.12 Alternative Liquidity Approaches: Central Bank credit facility 1,00

1.1.1.13 Central institutions: Level 1 assets excluding EHQ covered bonds
which are considered liquid assets for the depositing credit institution
1.1.14 Alternative Liquidity Approaches: Level 2A assets recognised as
Level 1 0,80
1.1.2 Total unadjusted Level 1 EHQ covered bonds
1.1.2.1 Extremely high quality covered bonds 0,93 0,93
1.1.2.2 Qualifying CIU shares/units: underlying is EHQ covered bonds 0,88
1.1.2.3 Central institutions: Level 1 EHQ covered bonds which are
considered liquid assets for the depositing credit institution
1.2 Total unadjusted level 2 assets
1.2.1 Total unadjusted Level 2A assets
1.2.1.1 Regional government / local authorities or Public Sector Entity
assets (risk weight (RW) 20%) 0,85 0,85
1.2.1.2 Central bank or central / regional government or local authorities or
Public Sector Entity assets (Third Country, risk weight 20%) 0,85 0,85
1.2.1.3 High quality covered bonds (Credit Quality Step (CQS) 2) 0,85 0,85
1.2.1.4 High quality covered bonds (Third Country, CQS 1) 0,85 0,85
1.2.1.5 Corporate debt securities (CQS 1) 0,85 0,85
1.2.1.6 Qualifying CIU shares/units: underlying is Level 2A assets 0,80 0,80
1.2.1.7 Central institutions: Level 2A assets which are considered liquid
assets for the depositing credit institution
1.2.2 Total unadjusted Level 2B assets
1.2.2.1 Asset-backed securities (residential, CQS 1) 0,75
1.2.2.2 Asset-backed securities (auto, CQS1) 0,75
1.2.2.3 High quality covered bonds (RW35%) 0,70 0,70
1.2.2.4 Asset-backed securities (commercial or individuals, CQS1) 0,65
1.2.2.5 Corporate debt securities (CQS2/3) 0,50 0,50
1.2.2.6 Corporate debt securities - non-interest bearing assets (held by
credit institutions for religious reasons) (CQS1/2/3) 0,50
1.2.2.7 Shares (major stock index) 0,50 0,50
1.2.2.8 Non-interest bearing assets (held by credit institutions for religious
reasons) (CQS3-5) 0,50
1.2.2.9 Restricted-use central bank committed liquidity facilities 1,00
1.2.2.10 Qualifying CIU shares/units: underlying is asset-backed securities
(residential or auto, CQS1) 0,70
1.2.2.11 Qualifying CIU shares/units: underlying is High quality covered
bonds (RW35%) 0,65 0,65
1.2.2.12 Qualifying CIU shares/units: underlying is asset-backed securities
(commercial or individuals, CQS1) 0,60

1.2.2.13 Qualifying CIU shares/units: underlying is corporate debt securities
(CQS1/2), shares (major stock index) 0,45 0,45
1.2.2.14 Deposits by network member with central institution (no obligated
investment) 0,75
1.2.2.15 Liquidity funding available to network member from central institution
(non-specified collateralisation) 0,75
1.2.2.16 Central institutions: Level 2B assets which are considered liquid
assets for the depositing credit institution MEMORANDUM ITEMS 2 Alternative liquidity approaches (ALA): Additional Level 1/2A/2B assets included due to ALA currency consistency not applying 3 Deposits by network member with central institution (obligated investment in Level 1 excluding EHQ covered bonds assets) 4 Deposits by network member with central institution (obligated investment in Level 1 EHQ covered bonds assets) 5 Deposits by network member with central institution (obligated investment in Level 2A assets) 6 Deposits by network member with central institution (obligated investment in Level 2B assets) 7 Adjustments made to assets due to net liquidity outflows from early close-out of hedges 8 Adjustments made to assets due to net liquidity inflows from early close-out of hedges 9 Member State-sponsored guaranteed bank assets subject to grandfathering 10 Member State-sponsored impaired asset management agencies subject to transitional provision 11 Securitisations backed by residential loans subject to transitional provision 12 Level 1/2A/2B assets excluded due to currency reasons 13 Level 1/2A/2B assets excluded for operational reasons except for currency reasons 14 Level 1 Non-interest bearing assets (held by credit institutions for religious reasons) 15 Level 2A Non-interest bearing assets (held by credit institutions for religious reasons)

14.Liquidity Coverage Report – Outflows (Template LP-O) (000 €) No DESCRIPTION Amount Market value of collateral extended Value of collateral extended in accordance with Article 9 Weight Outflow Standard Weight Applicable Weight 1 2 3 4 5 6=1*5 1 OUTFLOWS
1.1 Outflows from unsecured
transactions/deposits
1.1.1.1
Deposits where the pay-out has been agreed within the following 30 days 1,00 1,00
1.1.1.2 Deposits subject to higher
outflows
1.1.1.2.1 Category 1. 0.10-0.15 0,15
1.1.1.2.2 Category 2. 0.15-0.20 0,20
1.1.1.3 Stable deposits 0,05 0,05
1.1.1.4 Derogated stable deposits 0,03
1.1.1.5 Deposits in third countries
where a higher outflow is applied
1.1.1.6 Other retail deposits 0,10 0,10
1.1.2 Operational deposits
1.1.2.1
Deposits maintained for clearing, custody, cash management or other comparable services in the context of an established operational relationship
1.1.2.1.1 Deposits covered by a
deposit guarantee scheme (DGS) 0,05 0,05
1.1.2.1.2 Deposits not covered by DGS 0,25 0,25
1.1.2.2
Deposits maintained in the context of an institutional protection scheme (IPS) or a cooperative network
1.1.2.2.1 Deposits not treated as liquid
assets for the depositing institution 0,25 1.1.2.2.2 Deposits treated as liquid assets for the depositing credit institution 1,00 1.1.2.3 Deposits maintained in the context of an established operational relationship (other) with non-financial customers 0,25 0,25 1.1.2.4 Deposits maintained to obtain cash clearing and central credit institution services within a network 0,25

1.1.3 Non-operational deposits/
Deposits by other customers
1.1.3.1 Correspondent banking and
provisions of prime brokerage deposits 1,00
1.1.3.2 Deposits by financial customers 1,00 1,00
1.1.3.3 Deposits by other customers
1.1.3.3.1 Deposits covered by DGS 0,20 0,20
1.1.3.3.2 Deposits not covered by DGS 0,40 0,40
1.1.4 Additional outflows
1.1.4.1 Collateral other than Level 1
assets collateral posted for derivatives 0,20 0,20
1.1.4.2 Level 1 EHQ covered bonds
assets collateral posted for derivatives 0,10
1.1.4.3 Material outflows due to
deterioration of own credit quality 1,00 1,00 1.1.4.4 Impact of an adverse market scenario on derivatives transactions, financing transactions and other contracts
1.1.4.4.1 Historical look-back approach
(HLBA) 1,00
1.1.4.4.2 Advanced Method for
Additional Outflows (AMAO) 1,00
1.1.4.5 Outflows from derivatives 1,00 1,00
1.1.4.6 Short positions
1.1.4.6.1
Short positions covered by collateralized securities financing transactions (SFT) 0,00
1.1.4.6.2 Other short positions 1,00
1.1.4.7 Callable excess collateral 1,00 1,00
1.1.4.8 Due collateral 1,00 1,00
1.1.4.9 Liquid asset collateral
exchangeable for non-liquid assets 1,00
1.1.4.10 Loss of funding on structured
financing activities
1.1.4.10.1 Structured financing
instruments 1,00

1.1.4.10.2 Financing facilities 1,00
1.1.4.11 Assets borrowed on an
unsecured basis 1,00 1,00
1.1.4.12 Internal netting of client´s
positions 0,50
1.1.5 Committed facilities
1.1.5.1 Credit facilities
1.1.5.1.1 Credit facilities to retail
customers 0,05 0,05
1.1.5.1.2
Credit facilities to non

• financial customers other than retail
  customers
  0,10 0,10
  1.1.5.1.3 Credit facilities to credit
  institutions
  1.1.5.1.3.1 Credit facilities for funding
  promotional loans of retail customers 0,05 1.1.5.1.3.2 Credit facilities for funding promotional loans of non -financial customers 0,10
  1.1.5.1.3.3 Credit facilities to other
  credit institutions 0,40 0,40
  1.1.5.1.4 Credit facilities to regulated
  institutions other than credit institutions 0,40 0,40 1.1.5.1.5 Credit facilities within a group or an IPS if subject to preferential treatment 1.1.5.1.6 Credit facilities within an IPS or cooperative network if treated as liquid asset by the depositing institution 0,75
  1.1.5.1.7 Credit facilities to other
  financial customers 1,00 1,00
  1.1.5.2 Liquidity facilities
  1.1.5.2.1 Liquidity facilities to retail
  customers 0,05 0,05
  1.1.5.2.2
  Liquidity facilities to non - financial customers other than retail customers 0,30 0,30
  1.1.5.2.3 Liquidity facilities to personal
  investment companies 0,40
  1.1.5.2.4 Liquidity facilities to SSPEs
  1.1.5.2.4.1
  Liquidity facilities to purchase assets other than securities from non -financial customers 0,10
  1.1.5.2.4.2 Liquidity facilities for other 1,00
  1.1.5.2.5 Liquidity facilities to credit
  institutions
  1.1.5.2.5.1
  Liquidity facilities for funding promotional loans of retail customers 0,05

1.1.5.2.5.2
Liquidity facilities for funding promotional loans of non￾financial customers 0,30
1.1.5.2.5.3 Liquidity facilities to other
credit institutions 0,40
1.1.5.2.6
Liquidity facilities within a group or an IPS if subject to preferential treatment 1.1.5.2.7 Liquidity facilities within an IPS or cooperative network if treated as liquid asset by the depositing institution 0,75
1.1.5.2.8 Liquidity facilities to other
financial customers 1,00 1,00
1.1.6 Other products and services
1.1.6.1 Other off-balance sheet and
contingent funding obligations 0,05
1.1.6.2 Undrawn loans and advances to
wholesale counterparties 0,05
1.1.6.3 Mortgages that have been
agreed but not yet drawn down
1.1.6.4 Credit cards
1.1.6.5 Overdrafts
1.1.6.6
Planned outflows related to renewal or extension of new retail or wholesale loans
1.1.6.6.1 Excess of funding to non￾financial customers
1.1.6.6.1.1 Excess of funding to retail
customers
1.1.6.6.1.2 Excess of funding to non￾financial corporates
1.1.6.6.1.3
Excess of funding to sovereigns, multilateral development banks (MLDBs) and public sector entities (PSEs)
1.1.6.6.1.4 Excess of funding to other
legal entities
1.1.6.6.2 Other outflows
1.1.6.7 Planned derivatives payables 0,05
1.1.6.8 Trade finance off-balance sheet
related products 0,05
1.1.6.9 Other products and services 0,05
1.1.7 Other liabilities
1.1.7.1 Liabilities resulting from
operating expenses 0,05

1.1.7.2
Liabilities in the form of debt securities if not treated as retail deposits 1,00 1,00
1.1.7.3 Other liabilities 1,00 1,00
1.2
Outflows from secured lending and capital market -driven transactions
1.2.1 Counterparty is central bank
1.2.1.1
Level 1 excluding EHQ Covered Bonds collateral 0,00
1.2.1.2 Level 1 EHQ Covered Bonds
collateral 0,00
1.2.1.3 Level 2A collateral 0,00
1.2.1.4
Level 2B asset
-backed securities (residential or automobile, CQS1) collateral 0,00
1.2.1.5 Level 2B covered bonds
collateral 0,00
1.2.1.6
Level 2B asset
-backed securities (commercial or individuals, Member State, CQS1) collateral 0,00 1.2.1.7 Other Level 2B assets collateral 0,00
1.2.1.8 Non
-liquid assets collateral 0,00
1.2.2 Counterparty is non
-central bank
1.2.2.1
Level 1 excluding EHQ Covered Bonds collateral 0,00 0,00 1.2.2.2 Level 1 EHQ Covered Bonds collateral 0,07 0,07
1.2.2.3 Level 2A collateral 0,15 0,15
1.2.2.4
Level 2B asset
-backed securities (residential or automobile, CQS1) collateral 0,25 0,25 1.2.2.5 Level 2B covered bonds collateral 0,30 0,30 1.2.2.6 Level 2B asset -backed securities (commercial or individuals, CQS1) collateral 0,35 0,35
1.2.2.7 Other Level 2B assets collateral 0,50 0,50
1.2.2.8 Non
-liquid assets collateral
1.2.2.8.1
Counterparty is central government, PSE<=RW20%, or multilateral development bank (MDB) 0,25 0,25
1.2.2.8.2 Other counterparty 1,00 1,00
1.3 Total outflows from collateral
swaps

2
Retail bonds with a residual maturity of less than 30 days 3 Retail deposits exempted from the calculation of outflows 4 Not assessed retail deposits 5 Liquidity outflows to be netted by interdependent inflows 6 Operational deposits maintained for clearing, custody, cash management or other comparable services in the context of an established operational relationship
6.1 Operational deposits provided by
credit institutions
6.2
Operational deposits provided by financial customers other than credit institutions 6.3 Operational deposits provided by sovereigns, central banks, MDBs and PSEs
6.4 Operational deposits provided by
other customers
7
Non-operational deposits maintained by financial customers and other customers
7.1 Non-operational deposits provided
by credit institutions
7.2
Non-operational deposits provided by financial customers other than credit institutions 7.3 Non-operational deposits provided by sovereigns, central banks, MDBs and PSEs
7.4 Non-operational deposits provided
by other customers
8
Funding commitments to non - financial customers 9 Level 1 excluding EHQ covered bonds collateral posted for derivatives 10 Securities Financing Transactions (SFTs) monitoring 11 Intra group or IPS outflows
11.1 Of which: outflows to financial
customer
11.2 Of which: outflows to non-financial
customers
11.3 Of which: secured
11.4 Of which: credit facilities without
preferential treatment
11.5 Of which: liquidity facilities without
preferential treatment

11.6 Of which: operational deposits
11.7 Of which: non-operational deposits
11.8
Of which: liabilities in the form of debt securities if not treated as retail deposits 12 FX outflows 13 Third countries outflows - transfer restrictions or non- convertible currencies 14 Additional balances required to be installed in central bank reserves

15.Liquidity Coverage Report – Inflows (Template LP-P) (000 €) No. DESCRIPTION Amount Market value of collateral received Standard Weight Applicable Weight Value of collateral received in accordance with Article 9 Inflow Subject to the 75% cap on inflows Subject to the 90% cap on inflows Exempt ed from the cap on inflows Subject to the 75% cap on inflows Subject to the 90% cap on inflows Exempt ed from the cap on inflows Subject to the 75% cap on inflows Subject to the 90% cap on inflows Exempte d from the cap on inflows Subject to the 75% cap on inflows Subject to the 90% cap on inflows Exempte d from the cap on inflows Subject to the 75% cap on inflows Subject to the 90% cap on inflows Exemp ted from the cap on inflows 1 2 3 4 5 6 7 8 9 10 11=48 12=59 13=610 14=18 (unsecured ) 14=1-11 (mostly secured) 15=29 (unsecure d) 15=2-12 (mostly secured) 16=38 (unsecur ed) 16=3- 13 (mostly secured) 1 TOTAL INFLOW 1.1 Inflows from unsecured transactions/deposits 1.1.1 Monies due from non-financial customers (except for central banks) 1.1.1.1 Monies due from non-financial customers (except for central banks) not corresponding to principal repayment
1.00 1.00
1.1.1.2
Other monies due from non-financial customers (except for central banks)
1.1.1.2.1 Monies due
from retail customers 0.50 0.50 1.1.1.2.2 Monies due from non-financial corporates
0.50 0.50
1.1.1.2.3
Monies due from sovereigns, multilateral development banks and public sector entities
0.50 0.50

1.1.1.2.4 Monies due
from other legal entities 0.50 0.50 1.1.2 Monies due from central banks and financial customers 1.1.2.1 Monies due from financial customers being classified as operational deposits 1.1.2.1.1 Monies due from financial customers being classified as operational deposits where the credit institution is able to establish a corresponding symmetrical inflow rate 1.1.2.1.2 Monies due from financial customers being classified as operational deposits where the credit institution is not able to establish a corresponding symmetrical inflow rate
0.05 0.05
1.1.2.2
Monies due from central banks and financial customers not being classified as operational deposits 0
1.1.2.2.1 Monies due
from central banks 1.00 1.00
1.1.2.2.2 Monies due
from financial customers 1.00 1.00 1.1.3 Inflows corresponding to outflows in accordance with promotional loan commitments referred to in Article 31 paragraph (9) of Commission Delegated Regulation (EU) 2015/61
1.00 1.00
1.1.4
Monies due from trade financing transactions
1.00 1.00

1.1.5 Monies due from
securities maturing within 30 days
1.00 1.00
1.1.6
Assets with an undefined contractual maturity date
0.20 0.20
1.1.7
Monies due from positions in major index equity instruments provided that there is no double counting with liquid assets
1.00 1.00
1.1.8
Inflows from undrawn credit or liquidity facilities and any other commitments received from central banks, provided that there is no double counting with liquid assets
1.00 1.00
1.1.9
Inflows from the release of balances held in segregated accounts in accordance with regulatory requirements for the protection of customer trading assets
1.00 1.00
1.1.10 Inflows from
derivatives 1.00 1.00
1.1.11
Inflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent authorities have granted permission to apply a higher inflow rate
1.1.12 Other inflows 1.00 1.00
1.2
Inflows from secured lending and capital market -driven transactions
1.2.1 Collateral that
qualifies as a liquid asset

1.2.1.1
Level 1 collateral excluding EHQ covered bonds
1.00 1.00
1.2.1.2
Level 1 collateral which is EHQ covered bonds
0.93 0.93
1.2.1.3 Level 2A
collateral 0.85 0.85
1.2.1.4
Level 2B asset backed securities (residential or auto) collateral
0.75 0.75
1.2.1.5
Level 2B high quality covered bonds collateral
0.70 0.70
1.2.1.6
Level 2B asset backed securities (commercial or individuals) collateral
0.65 0.65
1.2.1.7
Level 2B collateral not already captured in section 1.2.1.4., 1.2.1.5. or 1.2.1.6.
0.50 0.50
1.2.2 Collateral is used
to cover a short position
1.2.3
Collateral that does not qualify as a liquid asset
1.2.3.1 Margin loans:
collateral is non
-liquid 0.50 0.50
1.2.3.2 Collateral is non

• liquid equity instrument 1.00 1.00
  1.2.3.3 All other non
• liquid collateral 1.00 1.00
  1.3 Total inflows from
  collateral swaps
  1.4
  (Difference between total weighted inflows and total weighted outflows arising from transactions in third countries where there

are transfer restrictions or which are denominated in non-convertible currencies) 1.5 (Excess inflows from a related specialised credit institution) 2 Interdependent inflows 3 FX inflows 4 Inflows within a group or an institutional protection scheme 4.1 Monies due from non￾financial customers (except for central banks)
4.2 Monies due from
financial customers
4.3 Secured transactions
4.4
Monies due from maturing securities within 30 days
4.5 Any other inflows within a
group
4.6
Inflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent authority has not granted permission to apply a higher inflow rate

16.Liquidity Coverage Report - Calculations (Template LP-I) (000 €) No. DESCRIPTION Value / Percentage Description 1 CALCULATIONS Numerator, denominator, ratio 1 Liquidity buffer LB = Z 2 Net liquidity outflow NLO 3 Liquidity coverage ratio (%) LCR = LB / NLO Numerator calculations 4 Level 1 excluding EHQ covered bonds (EHQCB) liquidity buffer (value in accordance with Article 9): unadjusted A = from the template Liquid assets 5 Level 1 excluding EHQCB collateral 30 day outflows B = from the templates Liquid assets, Outflows, and Inflows 6 Level 1 excluding EHQCB collateral 30 day inflows C = from the template Outflows 7 Secured cash 30 day outflows D = from the template Outflows 8 Secured cash 30 day inflows E = from the template Inflows 9 Level 1 excluding EHQCB "adjusted amount" before cap application F = A-B+C-D+E 10 Level 1 EHQCB value in accordance with Article 9:
unadjusted
G = from the template Liquid assets 11 Level 1 EHQCB collateral 30 day outflows H = from the templates Liquid assets, and Inflows 12 Level 1 EHQCB collateral 30 day inflows I = from the template Outflows 13 Level1 EHQCB ‘adjusted amount’ before cap application J = G-H+I 14 Level1 EHQCB ‘adjusted amount’ after cap application K= MIN(J, F*70/30) 15 ‘Excess Level1 EHQCB asset amount’ L = J-K 16 Level 2A value in accordance with Article 9: unadjusted M = from the template Liquid assets 17 Level 2A collateral 30 day outflows N = = from the templates Liquid assets, and Inflows 18 Level 2A collateral 30 day inflows O = from the template Outflows 19 Level 2A ‘adjusted amount’ before cap application P = M-N+O 20 Level 2A ‘adjusted amount’ after cap application Q = MIN(P, (F+K)40/60, MAX(F70/30-K, 0)) 21 ‘Excess Level 2A asset amount’ R = P-Q

22 Level 2B value in accordance with Article 9: unadjusted S = from the template Liquid assets 23 Level 2B collateral 30 day outflows T = from the templates Liquid assets, and Inflows 24 Level 2B collateral 30 day inflows U = from the template Outflows 25 Level 2B ‘adjusted amount’ before cap application V = S-T+U 26 Level 2B ‘adjusted amount’ after cap application W = MIN (V, (F+K+Q)15/85, MAX((F+K)40/60-Q,0), MAX(F70/30-K-Q,0)) 27 ‘Excess Level 2B asset amount’ X = V-W 28 Excess liquid asset amount Y =(F+J+P+V) - MIN ((F+J+P+V, 100/30F, 100/60(F+J), 100/85(F+J+P)) = L+R+X 29 Liquidity buffer Z = (A+G+M+S) - MIN(A+G+M+S, Y) Denominator calculations 30 Total Outflows TO = from the template Outflows 31 Fully Exempt Inflows FEI = from the template Inflows 32 Inflows subject to 90% cap IHC = from the template Inflows 33 Inflows subject to 75% cap IC = from the template Inflows 34 Reduction for fully exempt inflows RFEI = MIN (FEI, TO) 35 Reduction for inflows subject to 90% cap RIHC = MIN (IHC, 0.9MAX(TO￾FEI, 0)) 36 Reduction for inflows subject to 75% cap RIC = MIN (IC, 0.75MAX(TO￾FEI-IHC/0.9, 0)) 37 Net liquidity outflow NLO = TO-RFEI-RIHC-RIC Specific liquidity requirements 38 Requirement under Article 280 of the Law on Credit Institutions

17.Report On Securities Measured At Amortised Cost (Template M-HOV-AA) (000 €) No. Securities measured at amortised cost Depreciated amount Description EUR Other foreign currency TOTAL:

1. Government of Montenegro (type of securities)
2. Local self-government units (type of securities)
3. Other residents (type of securities)
4. Non-residents (type of securities)
5. Non-amortised discount / premiums
   A* Total securities measured at amortised cost B. Value adjustment of held-to-maturity securities
   C. Interest receivables from securities measured at
   amortised cost, value adjustment of interest rates D. Accruals and prepayments of interests and fees E. TOTAL (A - B + C + D) NOTE:
   Foreign currencies denominated in EUR at reporting date Total amount of E must be equal to the position 2c from the Form BS

18.Report on Financial Assets Not Measured at Amortised Cost (Template M-HOV-AF) (000 €) Debt securities Equity securities No. Position Listed market price Comparati ve value Transaction amount at initial recognition/a mount determined using valuation techniques EUR Other foreig n curren cy * TOTAL 1:
Listed market price
Compar ative value
Transaction amount at initial recognition/a mount determined using valuation techniques EUR Other foreig n curre ncy * TOTAL 2: TOTAL I I* Held-for-trading financial assets 1 2 3 4 =1+2+ 3-5 5 6 =4+5 7 8 9 10=7+ 8+9- 11 11 12 =10+11 13 =6+12

1. Government of
   Montenegro

Local self-government units
3. Other residents
4. Non-residents
5.
Non-amortised discount/premiums I Total held-for-trading financial assets (1+2+3+4+5) II Loans purchased for trading A Interest receivables for held-for-trading securities, accruals and prepayments of interests and fees B TOTAL: I+II+A III* Financial assets at fair value through other comprehensive income TOTAL II

1. Government of
   Montenegro

Local self-government units
3. Other residents
4. Non-residents

Non-amortised discount/premiums III Total financial assets at fair value through other comprehensive income (1+2+3+4+5) C Value adjustment of financial assets at fair value through other comprehensive income D Interest receivables of financial assets at fair value through other comprehensive income, value adjustment of interest rates, accruals and prepayments of interests and fees E TOTAL: III-C+D IV* Financial assets measured at fair value through profit or loss, not held for trading 1 Securities measured at fair value through profit or loss, not held for trading IV Total financial assets measured at fair value through profit or loss, not held for trading F Interest receivables, value adjustment of interest rates, accruals and prepayments of interests and fees G TOTAL: IV + F V Held-for-trading derivative financial assets

1. Residents
2. Non-residents
   V
   Total held-for-trading derivative financial assets

H
Interest receivables of held-for-trading securities, accruals and prepayments of interests and fees V TOTAL: V+H VI Derivative financial assets used as hedging instrument

1. Residents
2. Non-residents
   VI
   Total derivative financial assets used as hedging instrument I Interest receivables of securities at fair value through other comprehensive income, value adjustment of interest rates, accruals and prepayments of interests and fees J TOTAL: VI + I VII (V+ VI)* * Total derivative financial assets NOTE:
   *Total of I+II+III+IV from the Template AF + total of A from the Template AA must be equal to the position 3 from the Template BS1 Total VII must be equal to the position 4 from the Template BS1

• Foreign currencies denominated in EUR as at reporting date
• Total B must be equal to the position 4c from the Template BS
• Total E must be equal to the position 3c from the Template BS
• Total G must be equal to the position 5c from the Template BS
• Total H must be equal to the position 4d from the Template BS
• Total J must be equal to the position 6 from the Template BS

19.Report on Securities Issued and Derivative Financial Liabilities (Template M-HOV-PF) (000 €) No. Position Listed market price Comparati ve value Transaction amount at initial recognition/amount determined using valuation techniques EUR Other foreign currency* Total I Liabilities on securities issued 1 2 3 4 =1+2+3-5 5 6 =4+5

1. Credit Institutions, residents
2. Credit Institutions, non-residents
3. Other depository institutions, residents
4. Other depository institutions, non-residents
5. Other financial institutions / undertakings engaged in financial
   activity, residents
6. Other financial institutions / undertakings engaged in financial
   activity, non-residents
7. Government of Montenegro
8. Other Budget of Montenegro beneficiaries
9. Local self-government units
10. Undertakings, residents
11. Undertakings, non-residents
12. Others
13. Non-amortised discount / premiums
    I* Total securities issued A Interests payables and accruals and prepayments B Total: I+A II Held-for-trading derivative financial liabilities
14. Residents
15. Non-residents
    II Total held-for-trading derivative financial liabilities C Interests payables and accruals and prepayments D Total: II+C III Derivative financial liabilities used as hedging instrument
16. Residents
17. Non-residents
    III Total derivative financial liabilities used as hedging instrument E Interests payables and accruals and prepayments F Total: III+E NOTE:

• Total amount of I must be equal to the position 9 from the
  Template BS1
• Total of B must be equal to the position 17e or 18e
  from the Template BS
  Total II + III must be equal to the position 10 from the Template BS1 Total of D must be equal to the position 18f from the Template BS (without memorandum 2926) *Foreign currencies denominated in EUR as at reporting date Total of F must be equal to the position 20 from the Template BS

20.Overview of Securities Issued by the State (Government of Montenegro) - (Template M-HOV-ACG) Template From the Template M‐ HOV‐AA From the Template M‐HOV‐AF Accounting classification A) Government (of Montenegro) securities measured at amortised cost B) Held-for-trading Government (of Montenegro) securities – debt securities C) Government (Government of Montenegro) securities at fair value through other comprehensive income – debt securities Additionally Total Listed market price Compar ative value Transaction amount at initial recognition/am ount determined using valuation techniques Total Listed market price Compar ative value Transaction amount at initial recognition/amo unt determined using valuation techniques Total

1. T-Bills (a+b+c+d+e)
   a) 28 days maturity b) 56 days maturity c) 91 day maturity d) 182 days maturity e) T-Bills of other maturities
2. Domestic government
   bonds (a+b+c+d+e+f) a) issued in 2014 b) issued in 2015 c) issued in 2016 d) issued in 2017 e) issued in 2018 f) issued in 2019 g) issued in 2020 h) issued in 2021 i) issued in 2022 j) issued in 2023 k) issued in 2024
3. Government Eurobonds
   (a+b+c+d+e+f+g)

a) issued in 2014 b) issued in 2015 c) issued in 2016 d) issued in 2017 e) issued in 2018 f) issued in 2019 g) issued in 2020 h) issued in 2021 i) issued in 2022 j) issued in 2023 k) issued in 2024
4) Other government
securities
TOTAL (1+2+3+4)
Note:
Values in the last row of the Table (TOTAL 1+2+3+4) should be equal to corresponding values from the first row (Government of Montenegro) from the Templates M‐HOV‐AA and M‐HOV‐AF

• Total amount of A) should be equal to the amount of the account 1401 – Instruments other than shares:
  Government of Montenegro
  *Total amount of B) should be equal to the amount of the account 1171 - Instruments other than shares:
  Government of Montenegro
  *Total amount of C) should be equal to the amount of the account 1191 - Instruments other than shares:
  Government of Montenegro

21.Report on Issuers of Securities Owned by the Credit Institution (Template M-HOV IPPZP) A) DEBT SECURITIES (in absolute amounts €) No. Account Name of securities’ issuer ISIN Issuer’s country of origin Activity (F/N) * Type of instrument Quantity Nominal price per security Nominal value of security Discount Market price per security Market value of security (1,2,3,4,5,6,7) 1 2 2a 2b 2c 2d 3 4 5=34 6 7 8=37

1. 0,00 0,00

2. 0,00 0,00

3. 0,00 0,00

4. 0,00 0,00

5. 0,00 0,00

6. 0,00 0,00

7. 0,00 0,00

8. 0,00 0,00

9. 0,00 0,00

10. 0,00 0,00

11. 0,00 0,00

12. 0,00 0,00

13. 0,00 0,00

14. 0,00 0,00

15. 0,00 0,00

16. 0,00 0,00

17. 0,00 0,00

18. 0,00 0,00

19. 0,00 0,00

20. 0,00 0,00

21. 0,00 0,00

22. 0,00 0,00

23. 0,00 0,00

24. 0,00 0,00

25. 0,00 0,00

26. 0,00 0,00

27. 0,00 0,00

28. 0,00 0,00

29. 0,00 0,00

30. 0,00 0,00

31. 0,00 0,00

32. 0,00 0,00

33. 0,00 0,00

34. 0,00 0,00

35. 0,00 0,00

36. 0,00 0,00

37. 0,00 0,00

38. 0,00 0,00

39. 0,00 0,00

40. 0,00 0,00

41. 0,00 0,00

42. 0,00 0,00

43. 0,00 0,00

44. 0,00 0,00

45. 0,00 0,00

46. 0,00 0,00

47. 0,00 0,00

48. 0,00 0,00

49. 0,00 0,00

50. 0,00 0,00

51. • Other - valuation 1 0,00 0,00
52. • Other - valuation 2 0,00 0,00
53. • Other - valuation 3 0,00 0,00
54. • Other - valuation 4 0,00 0,00

55. I Total 0 0,00
    Fair value as at reporting date Interest rate Interest receivables Accruals and prepayments of interests and fees Maturity Valuation Classification Loss provisions Value adjustments Fair value hierarchy (level)

• (1,2,3,4) (A,B,C,D,E) (1,2,3)
  9 10 11 12 13 14 15 16 17 18

1
1
2
1
3
2
4
3
0,00

B) EQUITY SECURITIES AND INVESTMENTS IN SUBSIDIARIES, ASSOCIATES AND JOINT VENTURES UNDER EQUITY METHOD No. Account Name of securities’ issuer Issuer’s identification number Issuer’s country of origin ISIN Type of instrument Activity (F/N) * Quantity Nominal price per security Nominal value of security Market price per security Market value of security (8,9,10,11) 1 2 3 3a 3b 3c 4 5 6 7=56 8 9=58 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36.

51. • Other - valuation 2
52. • Other - valuation 3
53. • Other - valuation 4
54. • Other - valuation 5
55. I Total
    Fair value as at reporting date Dividend amount % of share in capital of a legal person Form of investment * % credit institution’s CET 1 Valuation Classification Loss provisions Value adjustments Fair value hierarchy (level) (1,2,3,4) * (2,3,4,5) (A,B,C,D,E) (1,2,3) 10 11 12 13 14 15 16 17 18 19

2345

22.Report on Securities by Industries (Template M-HOV-SR) (000 €) Instrument: Debt securities Equity securities Total debt + equity securities Investments in capital EUR Other Total EUR Other Total EUR Other Total EUR Other Total No. INDUSTRY: 1 2 3=1+2 4 5 6=4+5 7=1+4 8=2+5 9=3+6 10 11 12=10+11

1. Depository institutions
2. Other financial institutions
3. Total Financial Sector S.12 (1+2)
4. State undertakings
5. Private undertakings
6. Total Non-financial Sector S.11 (4+5)
7. Central Government
8. Local Government
9. Social Security Funds
10. Total General Government S.13 (7+8+9)
11. Natural persons
12. Entrepreneurs
13. Total Households S.14 (11+12)
14. Non-government and other non-profit
    organisations S.15
15. TOTAL RESIDENTS S.1 (3+6+10+13+14)
16. Depository institutions, non-residents
17. Other financial institutions, non-residents
18. Undertakings, non-residents
19. Natural persons, non-residents
20. Non-government and other non-profit
    organisations, non-residents
21. General Government
22. TOTAL NON-RESIDENTS S.2
    (16+17+18+19+20+21)
23. Non-amortised discount/premium
24. TOTAL (15+22+23)

23.Report on Subordinated Debt by Industries (Template M-SUB-SR) INSTRUMENT: Loan Security Principal Interests and prepayments and accruals Principal Interests and prepayments and accruals EUR Other Total EUR Other Total EUR Other Total EUR Other Total No. INDUSTRY: 1 2 3=1+2 4 5 6=4+5 7=1+4 8=2+5 9=3+6 10 11 12=10+11

1. Depository institutions
2. Other financial institutions
3. Total Financial Sector S.12 (1+2)
4. State undertakings
5. Private undertakings
6. Total Non-financial Sector S.11 (4+5)
7. Central Government
8. Local Government
9. Social Security Funds
10. Total General Government S.13
    (7+8+9)
11. Natural persons
12. Entrepreneurs
13. Total Households S.14 (11+12)
14. Non-government and other non-profit
    organisations S.15
15. TOTAL RESIDENTS S.1 (3+6+10+13+14)
16. Depository institutions, non-residents
17. Other financial institutions, non-residents
18. Undertakings, non-residents
19. Natural persons, non-residents
20. Non-government and other non-profit
    organisations, non-residents
21. General Government
22. TOTAL NON-RESIDENTS S.2
    (16+17+18+19+20+21)
23. TOTAL SUBORDINATED DEBT (15+22)

TOTAL SUBORDINATED DEBT (Loans + Securities) Principal Interests and prepayments and accruals EUR Other Total EUR Other Total 13=1+7 14=2+8 15=3+9 16=4+10 17=5+11 18=6+12

24.Report on Prepayments Received (Template M-AV-SR) (000 €) Instrument: Prepayments Received EUR Other foreign currency Total No. INDUSTRY: 1 2 3=1+2

1. Depository institutions
2. Other financial institutions
3. Total Financial Sector S.12 (1+2)
4. State undertakings
5. Private undertakings
6. Total Non-financial Sector S.11 (4+5)
7. Central Government
8. Local Government
9. Social Security Funds
10. Total General Government S.13 (7+8+9)
11. Natural persons
12. Entrepreneurs
13. Total Households S.14 (11+12)
14. Non-government and other non-profit
    organisations S.15
15. TOTAL RESIDENTS S.1 (3+6+10+13+14)
16. Depository institutions, non-residents
17. Other financial institutions, non-residents
18. Undertakings, non-residents
19. Natural persons, non-residents
20. Non-government and other non-profit
    organisations, non-residents
21. General Government
22. TOTAL NON-RESIDENTS S.2 (16+17+18+19+20+21)
23. TOTAL PREPAYMENTS RECEIVED (15+22)

25.Report on Loans and Receivables from Credit Institutions and Other Clients (Template M-KL1) (000 EUR) A) Deposits with credit institutions and other depository institutions Demand deposits Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency * TOTAL No Position 1 2 3 4 5 6 (1+2+3+4+5- 7) 7 8 (6+7) 1 Credit institutions, residents 0 0 2 Credit institutions, non-residents 0 0 3 Other financial institutions, residents 0 0 4 Other financial institutions, non-residents 0 0 5 Other depository institutions, residents 0 0 6 Other depository institutions, non-resident 0 0 7 Undertakings engaged in financial activity, residents 0 0 8 Undertakings engaged in financial activity, non-residents 0 0 9 Private funds, residents 0 0 10 Funds, non-residents 0 0 11 State undertakings 0 0 12 Private undertakings 0 0 13 Entrepreneurs 0 0 14 Public services of local self-government units 0 0 15 Private undertakings - non-residents 0 0 16 Government of Montenegro 0 0 17 Local self-government units 0 0 18 Other Budget of Montenegro beneficiaries 0 0 19 Regulatory agencies, residents 0 0 20 Regulatory agencies, non-residents 0 0 21 State funds 0 0 22 Non-government and other non-profit organisations, residents 0 0 23 Non-government and other non-profit organisations, non-residents 0 0

24 Natural persons, residents 0 0 25 Natural persons, non-residents 0 0 26 Credit cards, natural persons, residents 0 0 27 Credit cards, natural persons, non-residents 0 0 28 Credit cards, other, residents 0 0 29 Credit cards, other, non-residents 0 0 30 Other 0 0 31 TOTAL 0 F Interest receivables and value adjustment of interest receivables 0 0 G Accruals and prepayments: interests and fees and value adjustment 0 0 H SMEs (residents) I Large undertakings (residents) J Interest Receivables for SMEs (residents) K Interest Receivables for large undertakings (residents) L Accruals and prepayments for SMEs (residents) M Accruals and prepayments for large undertakings (residents) No. Position Demand deposits Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency * TOTAL A Deposits with credit institutions and other depository institutions 0 B Gross Loans 0 C Other receivables 0 D Value adjustment of gross loans 0 E Value adjustment of other receivables from credit institutions and other clients 0 F Interest receivables and value adjustment of interest receivables 0 G Accruals and prepayments of interests and fees and value adjustment 0 H TOTAL (A+B+C-D-E+F+G) 0 NOTE:
Total amount of A) + B) + C) must be equal to the position 2 in the Template BS1 Total amount of H must be equal to the position 2a, 2b, 3a, 3b, 4a, 4b, 5a and 5b in the Template BS

• Foreign currencies denominated in EUR
  as at reporting date
  B) Gross loans C) Other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency * TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency * TOTAL 9 10 11 12 13 (9+10+11+12- 14) 14 15 (13+14) 16 17 18 19 20(16+17+18+19-21) 21 22 (20+21) 0 D) Value adjustment of gross loans E) Value adjustment of other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency * TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currenc y * Up to 3 months From 3 months to 1 year 23 24 25 26 27 (23+24+ 25+26- 28) 28 29 (27+28) 30 31 32 33 34 35 (30+31+ 32+33+3 4-36) 36 37 (35+36) 0

26.Report on Loans and Other Receivables from Natural Persons (Template M-KFL) (000 €) A) Gross loans B) Other receivables a) per the contractual repayment period Numb er of sub￾accou nts Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL Numb er of sub￾accou nts Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL No Type of loan 1 2 3 4 5 6 7 8 (2+3+4+ 5+6+7) 9 10 11 12 13 14 15 16 (10+11+ 12+13+1 4+15) I Cash - non￾purpose-specific Ia of which: cash-non￾purpose-specific that do not meet the conditions prescribed in Article 2 of the Decision* II Purpose-specific 1 Car purchase 2 Residential loans 3 Remodelling of residential or commercial building 4 Purchase of consumables 5 Other III Mortgage loans IV Lease operations 1 Cars 2 Equipment 3 Apartments 4 Other V Credit cards, natural persons VI Total I+II+III+IV+V

C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL 17 18 19 20 21 22 23 (17+18+19 +20+21+2 2) 24 25 26 27 28 29 30 (24+25+26+ 27+28+29)

(000 €)
A) Gross loans B) Other receivables a) per the remaining repayment period Number of sub￾account s Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL Numb er of sub￾accou nts Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL No Type of loan 1 2 3 4 5 6 7 8 (2+3+4+ 5+6+7) 9 10 11 12 13 14 15 16 (10+11+ 12+13+1 4+15) I Cash - non￾purpose-specific Ia of which: cash-non￾purpose-specific that do not meet the conditions prescribed in Article 2 of the Decision* II Purpose-specific 1 Car purchase 2 Residential loans 3 Remodelling of residential or commercial building 4 Purchase of consumables 5 Other III Mortgage loans IV Lease operations 1 Cars 2 Equipment 3 Apartments 4 Other V Credit cards, natural persons VI Total I+II+III+IV+V

C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years From 3 to 6 years From 6 to 8 years Over 8 years TOTAL 17 18 19 20 21 22 23 (17+18+19 +20+21+2 2) 24 25 26 27 28 29 30 (24+25+26+2 7+28+29)

27.Report on Loans and Other Receivables/Deposits and Funds at Escrow Account per Industries of Non-Financial Sector (Template M-KD) (000 €) A) Gross loans B) Other receivables Up to 1 year Over 1 year Total loans Up to 1 year Over 1 year Total other EUR receivables Other foreign currency EUR Other foreign currency EUR Other foreign currency EUR Other foreign currency No. Industry 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturing industry 4 Electricity supply 5 Water supply 6 Construction 7 Wholesale, retail trade and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodation and food services 10 Information and communication 11 Financial and insurance activities 12 Real estate business 13 Professional, scientific and technical activities 14 Administrative and support service activities 15 Public administration, defence and compulsory social insurance 16 Education 17 Health and social welfare 18 Art, entertainment and recreational activities 19 Other service activities 20 Activities of households as employers 21 Activities of extra-territorial organisations and bodies II Natural persons, residents

III Non-residents

• Total (I+II+III)
  E
  Interest receivables and value adjustment of interest receivables F Accruals and prepayments of interests and fees, and value adjustments C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 1 year Over 1 year Total C Up to 1 year Over 1 year Total D EUR Other foreign currency EUR Other foreign currency EUR Other foreign currency EUR Other foreign currency 11 12 13 14 15 (11+12+13+14) 16 17 18 19 20 (16+17+18+19)

Up to 1 year Over 1 year
TOTAL
R.br. Summary EUR
Other foreign currency
EUR
Other foreign currency
A Gross loans *
B Other receivables
C Value adjustment of gross loans * D Value adjustment of other receivables E Interest receivables and value adjustment of interest receivables F Accruals and prepayments of interests and fees, and value adjustments G TOTAL (A+B-C-D+E+F) Funds at escrow account Deposits Total deposits H) Total deposits and funds at EUR escrow account Other foreign currency Up to 1 year Over 1 year EUR Other foreign currency EUR Other foreign currency No. Industry 1 2 3 4 5 6 7(3+4+5+6) 8 (1+2+7) I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturing industry 4 Electricity supply 5 Water supply 6 Construction 7 Wholesale, retail trade and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodation and food services 10 Information and communication 11 Financial and insurance activities 12 Real estate business 13 Professional, scientific and technical activities 14 Administrative and support service activities 15 Public administration, defence and compulsory social insurance 16 Education

17 Health and social welfare 18 Art, entertainment and recreational activities 19 Other service activities 20 Activities of households as employers 21 Activities of extra-territorial organisations and bodies II Natural persons, residents III Non-residents H Total (I+II+III) * I Interest payables J Accruals and prepayments K Total (H+I+J) NOTE:

• Total amount A) must be equal to total amount of B) in the Template M-KL1
  Total amount B) must be equal to total amount of A) + C) in the Template M-KL1
• Total amount C) must be equal to total amount of D) in the Template M-KL1
  Total amount D) must be equal to total amount of E) in the Template M-KL1
• Total amount E) must be equal to total amount of E) in the Template M-KL1
  Total amount F) must be equal to total amount of F) in the Template M-KL1
• Total amount G) must be equal to total amount of 2a,2b,3a,3b,4a,4b,5a, and 5b ) in the
  Template M-BS
  Total amount H) must be equal the position F in the Template M-D
• Total amount I) must be equal the position C in the Template M-D
  Total amount J) must be equal the position D in the Template M-D Total amount K) must be equal the position 17 a,17b,18a,18b,19a, and 19b in the Template BS

28.Report on Structure of Loans and Other Receivables by Purpose (Template M-SKN) (000 €) A) Gross loans B) Other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL No. Loan purpose 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) 1 Liquidity (working assets) 2 Construction and remodelling of construction buildings 3 Refinancing of liabilities to other banks 4 Car purchase 5 Purchase of securities 6 Purchase of fixed assets 7 Tourist season preparation 8 Consumer loans 9 Cash (non-purpose-specific) loans 10 Residential loans 11 Credit cards 12 Overdraft 13 Other 14 TOTAL E Interest receivables and value adjustment of interest receivables F Value adjustments of interests and fees and value adjustment No. Summary Up 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL A Gross loans * B Other receivables C Value adjustment of gross loans * D Value adjustment of other receivables E Interest receivables and value adjustment of interest receivables F Value adjustments of interest and fees and value adjustment G TOTAL (A+B-C-D+E+F) *

C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL 11 12 13 14 15 (11+12+13+14) 16 17 18 19 20 (16+17+18+19)

29.Report on Asset Classification (Template M-KA1) (000 €) No. Balance Sheet Asset Items Cash collateral Other collateral Classification Total Stage of the financial assets A B C D E stage 1 stage 2 stage 3 total 1 2 3 4 5 6 7 8=3+4+5+ 6+7 9 10 11 12= 9+10+11

1. Financial assets at amortised cost
   1.a. Loans and receivables from credit institutions 1.b. Loans and receivables from clients 1.c. Securities 1.d. Other financial assets
2. Financial assets at fair value through
   other comprehensive income 2.a. Loans and receivables from credit institutions 2.b. Loans and receivables from clients 2.c. Securities 2.d. Other financial assets
3. Held-for-trading financial assets
   3.a. Loans and receivables from credit institutions 3.b. Loans and receivables from clients 3.c. Securities 3.d. Other financial assets 4 Financial assets measured at fair value through profit or loss, not held for trading 4.a. Loans and receivables from credit institutions 4.b. Loans and receivables from clients 4.c. Securities 4.d. Other financial assets
4. Total gross loans
5. Interest receivables
   6.a. Interest on loans and receivables from credit institutions 6.b. Interest on loans and receivables from clients 6.c. Interest on securities 6.d. Interest on other financial assets 6.e. Interest on gross loans
6. Accruals and prepayments
   7.a. Accruals and prepayments on loans and receivables from credit institutions

7.b. Accruals and prepayments on loans and receivables from clients 7.c. Accruals and prepayments on securities 7.d. Accruals and prepayments on other financial assets 7.e. Accruals and prepayments on gross loans 8. Gross loans and receivables, Total (1.a+1.b+2.a+2.b+3.a+3.b+4.a+4.b+6.a+6. b+7.a+7.b)
9. Securities, Total
(1.c+2.c+3.c+4.c+6.c+7.c)
10. Other financial assets, Total
(1.d+2.d+3.d+4.d+6.d+7.d)
11.
Investments in associates, joint ventures and subsidiaries under equity method
12. Other asset items for which provisions
for potential losses are allocated 13.
Total assets for which provisions for potential losses are allocated (1+2+3+4+6+7+11+12)
14. Provisions for potential losses
14.a. loans and receivables from credit institutions 14.b. loans and receivables from clients 14.c. securities 14.d. other financial assets 14.e. total gross loans 14.f. interest on loans and receivables from credit institutions 14.g. interest on loans and receivables from clients 14.h. interest on securities 14.i. interest on other financial assets 14.j. interest on gross loans 14.k. accruals and prepayments on loans and receivables from credit institutions 14.l. accruals and prepayments on loans and receivables from clients 14.lj. accruals and prepayments on securities 14.m. accruals and prepayments on other financial assets 14.n. accruals and prepayments on gross loans
15. Value adjustment
15.a. loans and receivables from credit institutions 15.b. loans and receivables from clients 15.c. securities 15.d. other financial assets 15.e. total gross loans

15.f. interest on loans and receivables from credit institutions 15.g. interest on loans and receivables from clients 15.h. interest on securities 15.i. interest on other financial assets 15.j. interest on gross loans 15.k. accruals and prepayments on loans and receivables from credit institutions 15.l. accruals and prepayments on loans and receivables from clients 15.lj. accruals and prepayments on securities 15.m. accruals and prepayments on other financial assets 15.n. accruals and prepayments on gross loans 16. Difference between provisions and value adjustments – net principle (14- 15) 16.a. loans and receivables from credit institutions 16.b. loans and receivables from clients 16.c. securities 16.d. other financial assets 16.e. total gross loans 16.f. interest on loans and receivables from credit institutions 16.g. interest on loans and receivables from clients 16.h. interest on securities 16.i. interest on other financial assets 16.j. interest on gross loans 16.k. accruals and prepayments on loans and receivables from credit institutions 16.l. accruals and prepayments on loans and receivables from clients 16.lj. accruals and prepayments on securities 16.m. accruals and prepayments on other financial assets 16.n. accruals and prepayments on gross loans 17. Positive difference between provisions and value adjustments (14-15) - individually per the sub-account 17.a. loans and receivables from credit institutions 17.b. loans and receivables from clients 17.c. securities 17.d. other financial assets 17.e. total gross loans 17.f. interest on loans and receivables from credit institutions

17.g. interest on loans and receivables from clients 17.h. interest on securities 17.i. interest on other financial assets 17.j. interest on gross loans 17.k. accruals and prepayments on loans and receivables from credit institutions 17.l. accruals and prepayments on loans and receivables from clients 17.lj. accruals and prepayments on securities 17.m. accruals and prepayments on other financial assets 17.n. accruals and prepayments on gross loans 18. Provisions for potential losses for investments in associates, joint ventures and subsidiaries under equity method 19. Value adjustment for investments in associates, joint ventures and subsidiaries under equity method 20. Difference between provisions and value adjustments for investments in associates, joint ventures and subsidiaries under equity method - net principle (18-19) 21. Positive difference between the provisions and value adjustments for investments in associates, joint ventures and subsidiaries under equity method (18-19) - individually per the sub-account
22. Provisions for losses for other asset
items
23. Value adjustment for other asset items
24.
Difference between provisions and value adjustments for other asset items - net principle (22-23) 25. Positive difference between the provisions and value adjustments for other asset items (22-23) - individually per the sub￾account 26. Total of loan loss provisions for all asset positions for which provisions are allocated (14+18+22) 27. Total of value adjustment for all asset positions for which provisions are allocated (15+19+23)
28. Total of difference between provisions and
value adjustments – net principle (26-27) 29. Special regulatory reserves from income for estimated asset losses (account 3025)
30. Total lacking amount of provisions
30.a. loans and receivables from credit institutions

30.b. loans and receivables from clients 30.c. securities 30.d. other financial assets 30.e. total gross loans 30.f. interest on loans and receivables from credit institutions 30.g. interest on loans and receivables from clients 30.h. interest on securities 30.i. interest on other financial assets 30.j. interest on gross loans 30.k. accruals and prepayments on loans and receivables from credit institutions 30.l. accruals and prepayments on loans and receivables from clients 30.lj. accruals and prepayments on securities 30.m. accruals and prepayments on other financial assets 30.n. accruals and prepayments on gross loans 30.o. investments in associates, joint ventures and subsidiaries under equity method 30.p. other asset items for which provisions for potential losses are allocated 31. Balance sheet assets for which provisions for potential losses are not allocated
32. TOTAL GROSS ASSETS (13+31)
33. TOTAL NET ASSETS (32
-27)
R. br. Collateral per categories A B C D E TOTAL

1. Loans or portion of loans secured by cash collateral
   0
2. Loans or portion of loans secured by other collateral with code
   0
3. Other placements secured by cash collateral
   0
4. Other placements secured by other eligible collateral (code)
   0

30.Report on Off-Balance Sheet Asset Classification (Template M- KA2) (000 €) No. Off-balance sheet asset items Cash collateral Other collaterals Classification Total A B C D E 1 2 3 4 5 6 7 8 (3+4+5+6+7)

1. Guarantees issued
2. Credit obligations given (approved, unused loans)
3. Bill of exchange securities and bill of exchange acceptances
4. Other sureties
5. Uncovered letter of credits
6. Other balance sheet items for which the provisions are allocated
7. Off-balance sheet for which loss provisions are allocated
   (1+2+3+4+5+6)
8. Provisions for potential losses on off-balance sheet items
9. Provisioning for off-balance sheet losses
10. Difference between provisions for potential losses and provisioning
    for off-balance sheet losses – net principle (8-9)
11. Positive difference between provisions and provisioning –
    individually per the sub-account
12. Special regulatory reserves from income for estimated off-balance
    sheet losses (account 3025)
13. Lacking amount of reserves
14. Off-balance sheet assets for which loss provisions are not allocated
15. Total off-balance sheet (7+14)
    No. Collateral per categories A B C D E TOTAL
16. Off balance sheet items secured by cash deposit
17. Off-balance sheet secured by other eligible collateral (code)

31.Report on Past Due Loans and Receivables from Credit Institutions and Other Clients (Template M-BSK1) (000 €) A) Deposits with credit institutions and other depository institutions B) Gross loans 31-90 days past due receivables 91-270 days past due receivables 271-365 days past due receivables Over 365 days past due receivables TOTAL 31-90 days past due loans 91-270 days past due loans 271-365 days past due loans Over 365 days past due loans TOTAL No. POSITION 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) 1 Credit institutions, residents 2 Credit institutions, non-residents 3 Other financial institutions, residents 4 Other financial institutions, non￾residents 5 Other depository institutions, residents 6 Other depository institutions, non-resident 7 Undertakings engaged in financial activity, residents 8 Undertakings engaged in financial activity, non-residents 9 Private funds, residents 10 Funds, non-residents 11 State undertakings 12 Private undertakings 13 Entrepreneurs 14 Public services of local self￾government units 15 Undertakings - non-residents 16 Government of Montenegro 17 Local self-government units 18 Other Budget of Montenegro beneficiaries 19 Regulatory agencies, residents 20 Regulatory agencies, non￾residents 21 State funds 22 Non-government and other non￾profit organisations, residents 23 Non-government and other non￾profit organisations, non￾residents 24 Natural persons, residents 25 Natural persons, non-residents

26 Credit cards, natural persons, residents 27 Credit cards, natural persons, non-residents 28 Credit cards, other, residents 29 Credit cards, other, non￾residents 30 Other 31 TOTAL F Interest receivables and value adjustment of interest receivables G Accruals and prepayments:
interests and fees and value adjustment

C) Other receivables D) Value adjustment of gross loans E) Value adjustment of other receivables from credit institutions and other clients 31-90 days past due other receivabl es Other 91-270 days past due other receivables 271-365 days past due other receivabl es Over 365 days past due other receivabl es TOTAL 31-90 days past due loans 91-270 days past due loans 271-365 days past due loans Over 365 days past due loans TOTAL 31-90 days past due other receivable s 91-270 days past due other receivable s 271-365 days past due other receivabl es Over 365 days past due other receivables TOTAL 11 12 13 14 15 (11+12+ 13+14) 16 17 18 19 20 (16+17+ 18+19) 21 22 23 24 25 (21+22+2 3+24)

No. Summary From 31 to 90 days From 91 to 270 days From 271 to 365 days Over 365 days TOTAL A Deposits with credit institutions and other depository institutions B Gross loans C Other receivables D Value adjustment of gross loans E Value adjustment of other receivables from credit institutions and other clients F Interest receivables and value adjustment of interest receivables G Accruals and prepayment: interest and fees and value adjustment H TOTAL (A+B+C-D-E+F+G) NOTE:
Loans or lease operations are considered past due where repayment of principal or interest tranche (instalment) is more than 31 days past due, and/or where repayment of principal or interest is more than 31 days past due

32.Report on Classification of Assets and List of Non-Performing Assets (Template M-KNA_B) (000 €) Financial assets at amortised cost Held-for-trading financial assets No. Debtor’s name Loans and receivables from credit institutions Loans to clients Securities Other financial assets Loans and receivables from credit institutions Loans to clients securities Other financial assets loans and receivables from credit institutions -loans to clients securities

• other
  financial assets

OTHERS
C
24.
OTHERS
D
25.
OTHERS
E
Total
Note: Table represents the sum of categories C, D and E from KA1

Financial assets measured at fair value through profit or loss, not held for trading Financial assets at fair value through other comprehensive income loans and receivables from credit institutions -loans to clients securitie s -other financial assets loans and receivabl es from credit institution s -loans to clients - securities other financial assets Total Total provisions for loan losses and other asset items Total value adjustment for loans and other asset items Special regulatory reserves from income for estimated asset losses (account 3025) Lacking amount of provisio ns Categories C, D and E collateral Code of collateral

33.Report on Classification of Off-Balance Sheet and List of Non-Performing Balance Sheet Assets (Template M-KNA_VB) (000 €) No. Debtor’s name Guarantees Letters of credit Receivables based on non￾performing off-balance sheet commitments Other Off￾balance sheet total Loss provisions on off￾balance sheet Provisions for losses on off￾balance sheet Special regulatory reserves from income for estimated losses in assets (3025) Lacking amount of reserves categories C, D and E Collateral Code of collateral 1 2 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 11 12 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22.
23. OTHER C
24. OTHER D
25. OTHER E
Total 0

34.Overview of Loans Migrated from one Stage into another (Template M-MK) (000 €) Position Loans to natural persons Loans to legal persons Total No. Migration from: Loan amount Sub-account nos. Loan amount Sub-account nos. Loan amount Sub-account nos.

1. stage 1 to stage 2
2. stage 1 to stage 3
3. stage 2 to stage 3
4. stage 2 to stage 1
5. stage 3 to stage 2
6. stage 3 to stage 1

35.Report on Exposure Concentration (Template M-NDB1) Overview of 50 largest sub-accounts (individually granted) of exposures of clients (natural and legal persons) (000 €) No. Debtor’s name (title) BALANCE SHEET EXPOSURES Loan – outstanding principal Loan – matured principal Total amount of loan Factoring Interest on loans Fees and other receivables Total amount of balance sheet exposure % of total loans % of total factoring % of total balance sheet exposure Amount of loans over 30 days past due Amount of other past due exposures No. of days past due 1 2 3 4 5=3+4 6 7 8 9=5+6+7+8 10 11 12 13 14 15 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26.

51. other debtors
52. total

OFF
-BALANCE SHEET EXPOSURES amount of provisi ons for princip al amount of provisi ons for interest on loans amount of provisi ons for fa ctorin g amount of provision s for other receivabl es Total amount of provisi ons for balanc e sheet exposu res Amou nt of adjust ments for princi pal Amoun t of adjust ments for interest on loans Amoun t of adjust ments for fa ctorin g Amoun t of adjust ments for other receiva bles Total amount of adjustm ents for balance sheet exposur es Guara ntee % total guara ntees Letter of credit Loan oblig ation s Other off - balanc e sheet liabiliti es Total amou nt of off - balan ce sheet expos ures % total off - balan ce sheet Amoun t of provisi ons for off - balanc e sheet exposu res Amoun t of provisi oning for off - balanc e sheet exposu res 16 17 18 19 20=16+ 17+18+ 19 21 22 23 24 25=21+2 2+23+24 26 27 28 29 30 31=26 +28+2 9+30 32 33 34

Total amount of balance and off - balance sheet exposure s % total balanc e and off - balanc e sheet exposu res Total amount of provisions for potential losses Total amount of adjustme nts and provisioni ng Lacking reserves Classifi cation Stage COLLATERAL Cash deposit Amount of residenti al properti es Amou nt of comm ercial prope rties Other immova ble properti es used as collatera l Pledge on movabl e propert ies Pledg e on securi ties Bills of exchang e Guaran tees as suretie s Name of surety guara ntor (guara ntor) Other 35=9+31 36 37=20+33 38=25+34 39 40 41 42 43 44 45 46 47 48 49 50 51

36.Report on Exposure Concentration (Template M-NDB2) Overview of 50 largest debtors (natural and legal persons) of the credit institution – total exposure per the client (000 €) No Debtor’s name (title) BALANCE SHEET EXPOSURES Loan – outstanding principal Loan – matured principal Total amount of loan Factoring Interest on loans Fees and other receivables Total amount of balance sheet exposure % of total loans % of total factoring % total balance sheet exposure Amount of loans over 30 days past due Amount of other past due exposures No. of days past due 1 2 3 4 5=3+4 6 7 8 9=5+6+7+8 10 11 12 13 14 15 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26.

51. other debtors
52. total

OFF
-BALANCE SHEET EXPOSURES amount of provisi ons for princip al amount of provisi ons for interest on loans amount of provisi ons for factorin g amount of provision s for other receivabl es Total amount of provisi ons for balanc e sheet exposu res Amou nt of adjust ments for princi pal Amoun t of adjust ments for interest on loans Amoun t of adjust ments for factorin g Amoun t of adjust ments for other receiva bles Total amount of adjustm ents for balance sheet exposur es Guara ntee % total guara ntees Letter of credit Loan oblig ation s Other off - balanc e sheet liabiliti es Total amou nt of off - balan ce sheet expos ures % total off - balan ce sheet Amoun t of provisi ons for off - balanc e sheet exposu res Amoun t of provisi oning for off - balanc e sheet exposu res 16 17 18 19 20=16+ 17+18+ 19 21 22 23 24 25=21+2 2+23+24 26 27 28 29 30 31=26 +28+2 9+30 32 33 34

Total amount of balance and off - balance sheet exposure s % total amount of balanc e and off - balanc e sheet exposu res i Total amount of provisions for potential losses Total amount of adjustme nts and provisioni ng Lacking reserves Classifi cation Stage KOLATERAL Cash deposit Amount of residenti al properti es Amou nt of comm ercial prope rties Other immova ble properti es used as collatera l Pledge on movabl e propert ies Pledg e on securi ties Bills of exchang e Guaran tees as suretie s Name of surety guara ntor (g uara ntor ) Other 35=9+31 36 37=20+33 38=25+34 39 40 41 42 43 44 45 46 47 48 49 50 51

37.Report on Credit Institution’s Receivables Sold and Repurchased (Template M-OIPP) (000 €) SOLD RECEIVABLES OF THE CREDIT INSTITUTION No. Name of debtor whose receivables were sold by the credit institution Amount of receivables sold by the credit institution Buyer of receivables Date of executed transaction (sale of receivables) Selling price of the receivable Classification of sold receivables Provisions for sold receivables Value adjustment for sold receivables 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. Ukupno

REPURCHASED RECEIVABLES OF THE CREDIT INSTITUTION Date of executed transaction (repurchase of receivables) Amount of receivables repurchased by the credit institution Repurchasing price of the receivable Seller of receivable Classification of repurchased receivables Regulatory reserves for repurchased receivables Value adjustment for repurchased receivables Name of ultimate debtor (whose debt is repurchased)

38.Report on 50 Largest Debtors of the Credit Institution Based on Factoring Operations (Template M-50 FD) (000 €) No. Name of debtor Identificati on number Factoring limit Outstandin g balance Remaining undrawn balance Factoring exposures balance Amount of outstanding receivables Number of days past due Classi ficatio n Amount of provisions Amount of adjustme nts Amount of other receivables against the debtor Total amount of receivables against the debtor 1 2 3 4 5 6 7 8 9 10 11 12 13 14=7+13 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30.

51. other debtors
52. total
    Note:
    Data on repurchased receivables shown in the Report on Credit Institution’s Receivables Sold and Repurchased (Template M-OIPP) shall not be entered into this Template. This Template shall contain only receivables based on commercial factoring (product of credit institution)

39.Report on Loans Granted with Grace Period and One-Off Maturity (Template M-GP_JD) (000 €) No. Position LOANS GRANTED WITH GRACE PERIOD total amount loan amount NP loan amount LP total number of sub-accounts number of sub-accounts NP number of sub-accounts LP 1=2+3 2 3 4=5+6 5 6 1=1.1+1.2+1.3 +1.4+1.5 Total loans (A+B+C+D+E)
1.1 classified into A category
1.2. classified into B category
1.3. classified into C category
1.4. classified into D category
1.5. classified into E category
1.6. classified into Stage 1
1.7. classified into Stage 2
1.8. classified into Stage 3
2=(1.3+1.4+1.5
)/1
Loans classified into C, D and E / total loan amount 3. Duration of grace period/ one-off maturity (according to agreed number of months)
3.1. 0 - 3 months
3.2. 3 - 6 months
3.3. 6 - 12 months
3.4. 12 - 24 months
3.5. 24 - 36 months
3.6. over 36 months
4.
Duration of grace period/ one-off maturity (according to remaining number of months)
4.1. 0 - 3 months
4.2. 3 - 6 months
4.3. 6 - 12 months
4.4. 12 - 24 months
4.5. 24 - 36 months
4.6. over od 36 months
5=1/5(M-KA1) % of total gross loans (M-KA1)

LOANS GRANTED WITH ONE-OFF MATURITY total amount loan amount NP loan amount LP total number of sub-accounts number of sub-accounts NP number of sub-accounts LP 7=8+9 8 9 10=11+12 11 12

40.Extension of Repayment Period for Principal or Interest (Template M-PRK_I) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

41.Reduction in Interest Rate on Loan Granted (Template M-PRK_II) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

42.Acquired Debtor’s Receivables to Third Party, either against Partial or Full Loan Repayment (Template M-PRK_III) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

43.Reduction in the Amount of Debt, Principal or Interest (Template M-PRK_IV) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

44.Capitalisation of Interest on Loan Granted to the Debtor (Template M-PRK_V) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

45.Replacement of the Existing Loan(s) by New Loan (Template M-PRK_VI) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

46.Other Similar Arrangements Facilitating Debtor’s Financial Position (Template M-PRK_VII) (000 €) No. Description of restructuring Loans Interest Other Interest rate Value adjustment of restructured loans Provisions for potential losses Collateral Code of collateral Category (A,B,C,D,E) Total: Total 1 2 3 4 5 6 7 8 9 10=1+2 11=1+2+3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32.
33. Other restructured – category A

34. Other restructured – category B
35. Other restructured – category C
36. Other restructured – category D
37. Other restructured – category E
38. Total restructured – category A
39. Total restructured – category B
40. Total restructured – category C
41. Total restructured – category D
42. Total restructured – category E
    Total (A+B+C+D+E) *
    Note:

• Total (A+B+C+D+E) is the sum of positions 38,39,40,41 and 42.
  Total restructured loans in the category A include all restructured loans in category A under requested basis of such credit institution Total restructured loans in the category B include all restructured loans in category B under requested basis of such credit institution Total restructured loans in the category C include all restructured loans in category C under requested basis of such credit institution Total restructured loans in the category D include all restructured loans in category D under requested basis of such credit institution Total restructured loans in the category E include all restructured loans in category E under requested basis of such credit institution

47.Report on Total Restructured Loans and Other Receivables (Template M-PRK_VIII) (000 €) No. position amount of restructured receivables number of restructured sub-accounts receivables restructured once receivables restructured twice receivables restructured three times receivables restructured four times receivables restructured 5 times receivables restructured more than five times amount number of sub￾account s amou nt number of sub￾account s amount number of sub￾accoun ts amount number of sub￾accoun ts amount number of sub￾account s amou nt number of sub￾account s

1. loans
2. other receivables
3. total amount of
   loans and receivables

48.Report on Receivables Written-off from Internal Records (Template VB-Otpis) (000 €) Year of write￾off Amount of principal written￾off Amount of interest written￾off Amount of default interest written￾off Amount of other receivables written-off Total amount of exposures written-off Number of debtors Numb er of sub￾accou nts Amount of collateralis ed exposures written-off Amount of uncollater alised exposure s written￾off Amount of collected receivable s from internal records Amount of sold receivables from internal records Amount of permanen tly written￾off receivabl es from internal records Balance of written-off receivables as at reporting date Balance of total written￾off receivabl es as at reporting date 1 2 3 4 5 6=2+3+4+5 7 8 9 10 11 12 13 14=6- (11+12+13) 15 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Total

49.Report on Deposits and Funds at Escrow Account (Template M-D) (000 €) No. Deposits and funds at escrow account - EUR Funds at escrow account Demand deposits Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years Total deposits: TOTAL

1. Credit institutions, residents
2. Credit institutions, non-residents
3. Other financial institutions, residents
4. Other financial institutions, non-residents
5. Other depository institutions, residents
6. Other depository institutions, non-resident
7. Undertakings engaged in financial activity, residents
8. Undertakings engaged in financial activity, non￾residents
9. Private funds, residents
10. Funds, non-residents
11. State undertakings
12. Private undertakings
13. Entrepreneurs
14. Public services of local self-government units
15. Undertakings - non-residents
16. Government of Montenegro
17. Local self-government units
18. Other Budget of Montenegro beneficiaries
19. Regulatory agencies, residents
20. Regulatory agencies, non-residents
21. State funds
22. Non-government and other non-profit organisations,
    residents
23. Non-government and other non-profit organisations,
    non-residents
24. Natural persons, residents
25. Natural persons, non-residents
26. Other
    A. Total deposits and funds at escrow account - EUR

No. Deposits and funds at escrow account – Other foreign currencies Funds at escrow account Demand deposits Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years Total deposits: TOTAL

1. Credit institutions, residents
2. Credit institutions, non-residents
3. Other financial institutions, residents
4. Other financial institutions, non-residents
5. Other depository institutions, residents
6. Other depository institutions, non-resident
7. Undertakings engaged in financial activity, residents
8. Undertakings engaged in financial activity, non￾residents
9. Private funds, residents
10. Funds, non-residents
11. State undertakings
12. Private undertakings
13. Entrepreneurs
14. Public services of local self-government units
15. Undertakings - non-residents
16. Government of Montenegro
17. Local self-government units
18. Other Budget of Montenegro beneficiaries
19. Regulatory agencies, residents
20. Regulatory agencies, non-residents
21. State funds
22. Non-government and other non-profit organisations,
    residents
23. Non-government and other non-profit organisations,
    non-residents
24. Natural persons, residents
25. Natural persons, non-residents
26. Other
    B.
    Total deposits and funds at escrow account - other foreign currencies C Interest payables D Accruals and prepayments E Total deposits, funds at escrow account, interest and accruals and prepayments ( C + D + E)

No. Deposits and funds at escrow account - Summary Funds at escrow account Demand deposits Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years Total deposits: TOTAL

1. Credit institutions, residents
2. Credit institutions, non-residents
3. Other financial institutions, residents
4. Other financial institutions, non-residents
5. Other depository institutions, residents
6. Other depository institutions, non-resident
7. Undertakings engaged in financial activity, residents
8. Undertakings engaged in financial activity, non￾residents
9. Private funds, residents
10. Funds, non-residents
11. State undertakings
12. Private undertakings
13. Entrepreneurs
14. Public services of local self-government units
15. Undertakings - non-residents
16. Government of Montenegro
17. Local self-government units
18. Other Budget of Montenegro beneficiaries
19. Regulatory agencies, residents
20. Regulatory agencies, non-residents
21. State funds
22. Non-government and other non-profit organisations,
    residents
23. Non-government and other non-profit organisations,
    non-residents
24. Natural persons, residents
25. Natural persons, non-residents
26. Other
    F=A+B* Total deposits and funds at escrow account Note:

• Total amount F) shall be equal to position 7 in the Template BS1
• Total amount E) shall be equal to positions 17a, 17b, 18a, 18b,19a, and 19b in the Template BS
  Foreign currencies denominated in EUR as at reporting date

G SME (residents)
H Large undertakings (residents) I Interest Receivables for SMEs (residents) J Interest Receivables for large undertakings (residents) K Accruals and prepayments for SMEs (residents) L Accruals and prepayments for large undertakings (residents)

50.Report on Credit Institution's Largest Depositors - 50 Largest Depositors (Legal and Natural Persons) – (Template M-NDEP) (000 €) No Depositor Demand deposits and funds at escrow account Time deposits Cash collatera l Interest rate Total amount of deposit s * basis for connectio n Share (%)* Non￾resident/ Country of Amou origin nt Mat urity deman d deposit time deposit 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47

48
49
50
51
Other depositors
Total
Note:

• Total amount of deposits must be equal to the position F (Column: Total) in the Template M￾D
  One of the following designations should be entered into the column ‘basis for connection’ depending on the type of connection:
  01 shareholders of the credit institution holding 5% or more of the holding in capital or shares of the credit institution with voting rights;; 02 members of the supervisory or management boards and procurators of the credit institution; 03 persons responsible for work of control functions, authorised person for prevention of money laundering, person responsible for corporate clients, person responsible for retail clients; 04 other persons with an employment contract with the credit institution the provisions of which indicate to significant influence of such persons on operation of the credit institution or contain provisions setting a remuneration for work of such persons under special criteria different from conditions for persons with standard employment contract, and who are not persons designated as having basis for connection 01, 02, and 03; 05 legal person where in the credit institution, member of the supervisory or management boards, or procurator of the credit institution has significant holding; 06 legal person whose member of the management body is at the same time a member of the supervisory board or management board or procurator of the credit institution; 07 legal person whose member of the management body holds 10% or more shares of the credit institution with voting rights; 08 member of the management body of the undertaking that is directly or indirectly, parent or subsidiary undertaking of the credit institution; 09 person who acts for the account of persons with connection designation 01 to 07 with respect to operations which would have resulted or which would have increased the credit institution exposure; 10 person who together with the person with connection designation 01 to 08 represents a connected person;
  11.1 immediate family member of natural persons with connection designation 01 to 08 - the spouse or
  person living in a partnership considered by the law as equivalent to the marriage; 11.2 immediate family member of natural persons with connection designation 01 to 08 - the children and adopted children of such person and person with whom they live in a partnership considered by the law as equivalent to the marriage;
  11.3 immediate family member of natural persons with connection designation 01 to 08 - person without full
  legal capacity and under guardianship of such person.

51.Report on Borrowings (Template M-IP) (000 €) No Creditor's name Approval date Original amount Maturity date Interest rate As at 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41 42 43 44 45 46 47 48 49 50 Other Total 0 0 Note:

• Total amount must be equal to the position A in the Template MP

52.Report on Borrowings Taken (Template M-P) (000 €) EUR Other foreign currencies Total TOTAL: No. Position up to 1 year over 1 year up to 1 year over 1 year up to 1 year over 1 year A* Borrowings

1. Central Bank of Montenegro
2. Other central banks
3. Credit institutions, residents
4. Credit institutions, non-residents
5. Parent credit institutions
6. Other members of the group of credit institutions
7. Other depository institutions, residents

Other depository institutions / other financial institutions, non-residents
9. General Government
10. Others
B Interest payables
C Accruals and prepayments D TOTAL: (A + B + C) NOTE:
*Total amount A must be equal to the position 8 in the Template BS1

• Total amount D must be equal to the positions 17c,17d,18c,18d,19c and 19d in the
  Template BS
  Foreign currencies denominated in EUR as at reporting date

53.Report on Assets and Liabilities Maturity Match (Template M-RU) a) Residual legal maturity (000 €) I Financial assets in the balance sheet 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

1. Cash, deposits with central banks and receivables
   from credit institutions
   1.a. Cash and cash equivalents 1.b. Reserve requirement 1.c. Interest receivables and value adjustments (impairments)
2. Financial assets at amortised cost
   2.a. Receivables from credit institutions (funds with credit institutions) 2.b. Receivables from clients 2.c. Loans to credit institutions 2.d. Loans to clients 2.e. Securities 2.f. Other financial assets 2.g. Interest receivables, accruals and prepayments, and value adjustments
3. Financial assets at fair value through other
   comprehensive income
   3.a. Securities
   3.b. Other financial assets 3.c. Interest receivables, accruals and prepayments, and value adjustments
4. Held-for-trading financial assets
   4.a. Receivables from credit institutions (funds with credit institutions) 4.b. Receivables from clients 4.c. Loans to credit institutions 4.d. Loans to clients 4.e. Securities 4.f. Other financial assets 4.g. Interest receivables, accruals and prepayments, and value adjustments
5. Financial assets measured at fair value through
   profit or loss, not held for trading 5.a. Receivables from credit institutions (funds with credit institutions) 5.b. Receivables from clients 5.c. Loans to credit institutions 5.d. Loans to clients

5.e. Securities
5.f. Other financial assets 5.g. Interest receivables, accruals and prepayments, and value adjustments
6. Derivatives held for hedging
7. Other assets
Total:
II Financial liabilities in the profit and loss statement 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

1. Financial liabilities at amortised cost
   1.a. Deposits of credit institutions and central banks 1.b. Deposits of clients 1.c. Loans of credit institutions and central banks 1.d. Loans of clients, other than credit institutions 1.e. Securities 1.f. Other financial liabilities 1.g. Interests and accruals and prepayments

2. Held-for-trading financial liabilities
   2.a. Deposits of credit institutions and central banks 2.b. Deposits of clients 2.c. Loans of credit institutions and central banks 2.d. Loans of clients, other than credit institutions 2.e. Securities 2.f. Other financial liabilities 2.g. Interests and accruals and prepayments

3. Financial liabilities measured at fair value through
   profit or loss, not held for trading 3.a. Deposits of credit institutions and central banks 3.b. Deposits of clients 3.c. Loans of credit institutions and central banks 3.d. Loans of clients, other than credit institutions 3.e. Other financial liabilities 3.f. Interests and accruals and prepayments

4. Subordinated debt

5. Derivative financial liabilities as hedging instrument

6. Other liabilities
   Total :
   III DIFFERENCE : 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

7. Maturity gap I
   -II

8. Cumulative gap
   % of total sources of funds b) Expected maturity (000 €) I Financial assets in the balance sheet 1

• 7 8
• 15 16
• 30 31
• 90 91
• 180 181
• 365 1

5 Over 5 TOTAL days years years

1. Cash, deposits with central banks and receivables
   from credit institutions
   1.a. Cash and cash equivalents 1.b. Reserve requirement 1.c. Interest receivables and value adjustments (impairments)
2. Financial assets at amortised cost
   2.a. Receivables from credit institutions (funds with credit institutions) 2.b. Receivables from clients 2.c. Loans to credit institutions 2.d. Loans to clients 2.e. Securities 2.f. Other financial assets 2.g. Interest receivables, accruals and prepayments, and value adjustments
3. Financial assets at fair value through other
   comprehensive income
   3.a. Securities
   3.b. Other financial assets 3.c. Interest receivables, accruals and prepayments, and value adjustments
4. Held
   -for
   -trading financial assets
   4.a. Receivables from credit institutions (funds with credit institutions) 4.b. Receivables from clients 4.c. Loans to credit institutions 4.d. Loans to clients 4.e. Securities 4.f. Other financial assets 4.g. Interest receivables, accruals and prepayments, and value adjustments
5. Financial assets measured at fair value through
   profit or loss, not held for trading 5.a. Receivables from credit institutions (funds with credit institutions)

5.b. Receivables from clients 5.c. Loans to credit institutions 5.d. Loans to clients 5.e. Securities 5.f. Other financial assets 5.g. Interest receivables, accruals and prepayments, and value adjustments
6. Derivatives held for hedging
7. Other assets
Total:
II Financial liabilities in the profit and loss statement 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

1. Financial liabilities at amortised cost
   1.a. Deposits of credit institutions and central banks 1.b. Deposits of clients 1.c. Loans of credit institutions and central banks 1.d. Loans of clients, other than credit institutions 1.e. Securities 1.f. Other financial liabilities 1.g. Interests and accruals and prepayments
2. Held-for-trading financial liabilities
   2.a. Deposits of credit institutions and central banks 2.b. Deposits of clients 2.c. Loans of credit institutions and central banks 2.d. Loans of clients, other than credit institutions 2.e. Securities 2.f. Other financial liabilities 2.g. Interests and accruals and prepayments
3. Financial liabilities measured at fair value through
   profit or loss, not held for trading 3.a. Deposits of credit institutions and central banks 3.b. Deposits of clients 3.c. Loans of credit institutions and central banks 3.d. Loans of clients, other than credit institutions 3.e. Other financial liabilities 3.f. Interests and accruals and prepayments
4. Subordinated debt
5. Derivative financial liabilities as hedging instrument
6. Other liabilities
   Total :

III DIFFERENCE : 1

• 7 8
• 15 16
• 30 31
• 90 91
• 180 181
• 365 1

5 Over
5 TOTAL days years years

1. Maturity gap I
   -II
2. Cumulative gap
   % of total sources of funds

54.Report on Credit Institution’s Receivables from Non-Residents per the Country (Template M-PZ) (000 €) No Country Loans Off-balance sheet Credit institution ’s deposits (placemen ts) Investment in securities Equity investmen ts in other legal entities Other Total Legal persons Natural persons Total loans Legal persons Natural persons Total off￾balance sheet 1 2 3 4 (2+3) 5 6 7 (5+6) 8 9 10 11 12 (4+7+8+9+10+11) 1 Albania 2 Algeria 3 American Samoa 4 Andorra 5 Angola 6 Anguilla 7 The Antarctic 8 Antigua and Barbuda 9 Argentina 10 Aruba 11 Australia 12 Austria 13 Afghanistan 14 Azerbaijan 15 Bahamas 16 Bahrain 17 Bangladesh 18 Barbados 19 Belgium 20 Belize 21 Benin 22 Bermuda 23 Belarus 24 Botswana 25 Bolivia 26 Bonaire, Saint Eustatius, and Saba

27 Bosnia and Herzegovina
28 Christmas Island
29 Brazil
30 British Indian Ocean
Territory
31 Brunei Darussalam
32 Bulgaria
33 Burkina Faso
34 Burundi
35 Bhutan
36 Bouvet Island
37 Chad
38 Central African Republic 39 Czechia 40 Chile 41 Denmark 42 United States Virgin Islands 43 British Virgin Islands 44 Dominica 45 Dominican Republic 46 Jersey 47 Djibouti 48 Egypt 49 Ecuador 50 Equatorial Guinea 51 El Salvador 52 Eritrea 53 Estonia 54 Ethiopia 55 Faroe Islands 56 Fiji 57 Philippines 58 Finland 59 The Falkland Islands (Islas Malvinas) 60 France 61 French Guiana 62 French Polynesia

63 Metropolitan France
64 The French Southern and Antarctic Lands 65 Gabon 66 Gambia 67 Ghana 68 Guernsey 69 Gibraltar 70 Greece 71 Grenada 72 Greenland 73 Georgia 74 Guam 75 Guadalupe Island 76 Guyana 77 Guatemala 78 Guinea 79 Guinea-Bissau 80 Haiti 81 Heard Island and McDonald Islands 82 The Netherlands 83 The Netherlands Antilles 84 Honduras 85 Hong Kong 86 Croatia 87 India 88 Indonesia 89 Iraq 90 Iran 91 The Republic of Ireland 92 Iceland 93 Timor-Leste 94 Italia 95 Israel 96 Jamaica 97 Japan 98 Yemen

99 Armenia
100 Jordan
101 South Africa
102 South Georgia and the
South Sandwich Islands
103 South Sudan
104 Caiman Islands
105 Cambodia
106 Kameron
107 Canada
108 Qatar
109 Kazakhstan
110 Kenya
111 China
112 Cyprus
113 Kirgizstan
114 Kiribati
115 The Cocos (Keeling)
Island
116 Columbia
117 The Comoros
118 The Democratic Republic of the Congo 119 The Republic of the Congo 120 South Korea 121 North Korea 122 Kosovo 123 Costa Rica 124 Cuba 125 The Cook Islands 126 Curacao 127 Kuwait 128 Laos 129 Lesotho 130 Latvia 131 Lebanon 132 Liberia 133 Libya

134 Lichtenstein
135 Lithuania
136 Luxembourg
137 Madagascar
138 Hungary
139 Mayotte
140 Macao
141 Macedonia
142 The United States Minor Outlying Islands 143 Malawi 144 Maldives 145 Malaysia 146 Mali 147 Malta 148 Morocco 149 The Marshal Islands 150 Martinique 151 Mauritius 152 Mauritania 153 Mexico 154 Micronesia 155 Myanmar 156 Moldavia 157 Monaco 158 Mongolia 159 Monserrat 160 Mozambique 161 Namibia 162 Nauru 163 Nepal 164 Neutral Zone 165 Niger 166 Nigeria 167 Nicaragua 168 Niue 169 Germany 170 The Norfolk Island

171 Norway
172 Nova Caledonia
173 Novi Zeeland
174 Ivory Coast
175 The Aland Islands
176 Oman
177 The Isle of Man
178 Pakistan
179 Palau
180 Palestine
181 Panama
182 Papua Nova Guinea
183 Paraguay
184 Peru
185 The Pitcairn Islands
186 Poland
187 Puerto Rico
188 Portugal
189 Réunion Island
190 Ruanda
191 Romania
192 Russia
193 The USA
194 Samoa
195 San Marino
196 São Tomé and Príncipe
197 Saudi Arabia
198 Seychelles
199 Saint Pierre and Miquelon 200 Senegal 201 Saint Kitts and Nevis 202 Saint Lucia 203 Saint Vincent and the Grenadines 204 Sierra Leone 205 Singapore 206 Syria

207 The Northern Mariana
Islands
208 Slovakia
209 Slovenia
210 The Solomon Islands
211 Somalia
212 Spain
213 Serbia
214 Sri Lanka
215 Sudan
216 Surinam
217 Switzerland
218 Svalbard and Jan Mayen 219 Swaziland 220 Sweden 221 Saint Helena 222 Saint-Barthélemy 223 The Collectivity of Saint￾Martin (France) 224 Sint Maarten (the Netherlands) 225 Tadzhikistan 226 Thailand 227 Taiwan 228 Tanzania 229 Togo 230 Tokelau 231 Tonga 232 Trinidad and Tobago 233 Tunis 234 Turkmenistan 235 Turks and Caicos Islands 236 Turkey 237 Tuvalu 238 Uganda 239 The United Arab Emirates 240 Ukraine 241 Uruguay 242 Uzbekistan

243 Wallis and Futuna Islands 244 Vanuatu 245 Vatican (the Holy See) 246 Wake Island 247 The Great Britain and Northern Ireland (UK) 248 Venezuela 249 Vietnam 250 Zambia 251 West Sahara 252 Cape Verde 253 Zimbabwe Total

55.Report on Credit Institutions' Liabilities to Non-Residents per the Country (Template M-OZ) (000 €) No Country Deposits from:
Total deposit s
Liabilities on loans and securities issued (borrowings) to Total funds borrowed Held-for￾trading derivate financial liabilities Financial liabilities carried at fair value through profit or loss Derivative financial liabilities held as hedging instrument Subordin ated debt Share capital Other liabilit ies Total Credit institutio ns Other clients Credit institutio ns Other clients 1 2 3 4 (2+3) 5 6 7 (5+6) 8 9 10 11 12 13 14 (4+7+8+9 +10+11+ 12+13) 1 Albania 2 Algeria 3 American Samoa 4 Andorra 5 Angola 6 Anguilla 7 The Antarctic 8 Antigua and Barbuda 9 Argentina 10 Aruba 11 Australia 12 Austria 13 Afghanistan 14 Azerbaijan 15 Bahamas 16 Bahrain 17 Bangladesh 18 Barbados 19 Belgium 20 Belize 21 Benin 22 Bermuda 23 Belarus 24 Botswana 25 Bolivia

26
Bonaire, Saint
Eustatius, and Saba
27 Bosnia and
Herzegovina
28 Christmas
Island
29 Brazil
30
British Indian
Ocean
Territory
31
Brunei
Darussalam
32 Bulgaria
33 Burkina Faso
34 Burundi
35 Bhutan
36 Bouvet Island
37 Chad
38
Central
African
Republic
39 Czechia
40 Chile
41 Denmark
42 United States
Virgin Islands
43 British Virgin
Islands
44 Dominica
45
Dominican
Republic
46 Jersey
47 Djibouti
48 Egypt
49 Ecuador
50
Equatorial
Guinea
51 El Salvador
52 Eritrea
53 Estonia
54 Ethiopia

55 Faroe Islands
56 Fiji
57 Philippines
58 Finland
59
The Falkland
Islands (Islas
Malvinas)
60 France
61
French
Guiana
62
French
Polynesia
63
Metropolitan
France
64
The French
Southern and
Antarctic
Lands
65 Gabon
66 Gambia
67 Ghana
68 Guernsey
69 Gibraltar
70 Greece
71 Grenada
72 Greenland
73 Georgia
74 Guam
75
Guadalupe
Island
76 Guyana
77 Guatemala
78 Guinea
79 Guinea￾Bissau
80 Haiti
81
Heard Island and
McDonald
Islands
82 The
Netherlands

83
The
Netherlands
Antilles
84 Honduras
85 Hong Kong
86 Croatia
87 India
88 Indonesia
89 Iraq
90 Iran
91
The Republic of Ireland
92 Iceland
93 Timor-Leste
94 Italia
95 Israel
96 Jamaica
97 Japan
98 Yemen
99 Armenia
100 Jordan
101 South Africa
102
South
Georgia and the South
Sandwich
Islands
103 South Sudan
104 Caiman
Islands
105 Cambodia
106 Kameron
107 Canada
108 Qatar
109 Kazakhstan
110 Kenya
111 China
112 Cyprus
113 Kirgizstan
114 Kiribati

115
The Cocos
(Keeling)
Island
116 Columbia
117 The Comoros
118
The
Democratic
Republic of the Congo
119 The Republic of the Congo 120 South Korea 121 North Korea 122 Kosovo 123 Costa Rica 124 Cuba 125 The Cook Islands 126 Curacao 127 Kuwait 128 Laos 129 Lesotho 130 Latvia 131 Lebanon 132 Liberia 133 Libya 134 Lichtenstein 135 Lithuania 136 Luxembourg 137 Madagascar 138 Hungary 139 Mayotte 140 Macao 141 Macedonia 142 The United States Minor Outlying Islands 143 Malawi 144 Maldives 145 Malaysia

146 Mali
147 Malta
148 Morocco
149 The Marshal
Islands
150 Martinique
151 Mauritius
152 Mauritania
153 Mexico
154 Micronesia
155 Myanmar
156 Moldavia
157 Monaco
158 Mongolia
159 Monserrat
160 Mozambique
161 Namibia
162 Nauru
163 Nepal
164 Neutral Zone
165 Niger
166 Nigeria
167 Nicaragua
168 Niue
169 Germany
170 The Norfolk
Island
171 Norway
172 Nova
Caledonia
173 Novi Zeeland
174 Ivory Coast
175 The Aland
Islands
176 Oman
177 The Isle of
Man
178 Pakistan
179 Palau

180 Palestine
181 Panama
182 Papua Nova
Guinea
183 Paraguay
184 Peru
185 The Pitcairn
Islands
186 Poland
187 Puerto Rico
188 Portugal
189 Réunion
Island
190 Ruanda
191 Romania
192 Russia
193 The USA
194 Samoa
195 San Marino
196 São Tomé and Príncipe
197 Saudi Arabia
198 Seychelles
199 Saint Pierre and Miquelon 200 Senegal 201 Saint Kitts and Nevis 202 Saint Lucia 203 Saint Vincent and the Grenadines 204 Sierra Leone 205 Singapore 206 Syria 207 The Northern Mariana Islands 208 Slovakia 209 Slovenia

210 The Solomon
Islands
211 Somalia
212 Spain
213 Serbia
214 Sri Lanka
215 Sudan
216 Surinam
217 Switzerland
218 Svalbard and
Jan Mayen
219 Swaziland
220 Sweden
221 Saint Helena
222 Saint￾Barthélemy
223
The
Collectivity of
Saint-Martin
(France)
224
Sint Maarten
(the
Netherlands)
225 Tadzhikistan
226 Thailand
227 Taiwan
228 Tanzania
229 Togo
230 Tokelau
231 Tonga
232 Trinidad and
Tobago
233 Tunis
234 Turkmenistan
235
Turks and
Caicos
Islands
236 Turkey
237 Tuvalu
238 Uganda

239
The United
Arab
Emirates
240 Ukraine
241 Uruguay
242 Uzbekistan
243
Wallis and
Futuna
Islands
244 Vanuatu
245 Vatican (the
Holy See)
246 Wake Island
247
The Great
Britain and
Northern
Ireland (UK)
248 Venezuela
249 Vietnam
250 Zambia
251 West Sahara
252 Cape Verde
253 Zimbabwe
Total

56.Overview of Payment System Transactions Fees and Commissions (Template M￾NPPP) (000 €) No. Position Credit institutions 1 Internal transactions 2 Interbank transactions 3 Transactions with Serbia 4 International transactions, other than Serbia 5 Other 6 Total (1+2+3+4+5) Other depository institutions, other financial institutions and undertakings engaged in financial activity 7 Internal transactions 8 Interbank transactions 9 Transactions with Serbia 10 International transactions, other than Serbia 11 Other 12 Total (7+8+9+10+11) Government of Montenegro, other Budget of Montenegro beneficiaries, and regulatory agencies 13 Internal transactions 14 Interbank transactions 15 Transactions with Serbia 16 International transactions, other than Serbia 17 Other 18 Total (13+14+15+16+17) Local self-government units 19 Internal transactions 20 Interbank transactions 21 Transactions with Serbia 22 International transactions, other than Serbia 23 Other 24 Total (19+20+21+22+23) Private undertakings 25 Internal transactions 26 Interbank transactions 27 Transactions with Serbia 28 International transactions, other than Serbia 29 Other 30 Total (25+26+27+28+29) Natural persons 31 Internal transactions 32 Interbank transactions 33 Transactions with Serbia 34 International transactions, other than Serbia 35 Other 36 Total (31+32+33+34+35) Entrepreneurs 37 Internal transactions 38 Interbank transactions 39 Transactions with Serbia 40 International transactions, other than Serbia 41 Other 42 Total (37+38+39+40+41) State undertakings

43 Internal transactions
44 Interbank transactions
45 Transactions with Serbia 46 International transactions, other than Serbia 47 Other 48 Total (43+44+45+46+47) Others 49 Internal transactions 50 Interbank transactions 51 Transactions with Serbia 52 International transactions, other than Serbia 53 Other 54 Total (49+50+51+52+53) 55 Total (6+12+18+24+30+36+42+48+54)

57.Report on Weighted Average Deposit Interest Rates (Template M-KS_PPP) (000 €) No Deposits - domestic currency WA DIR Dem and depo sits Dep osit acc. no. Ra te in % Up to 3 mo nth s Dep osit acc. no. Rate in % u p to 1 ye ar Dep osit acc. no. Rat e in % up to 3 year s De pos it acc . no. Rat e in % up to 5 years Dep osit acc. no. Rat e in % Over 5 year s Depo sit acc. no. Rate in % Total Dep osit acc. no. Rate in % I Legal persons, non-residents WANI R 0 0 WAEI R 0 II Legal persons, residents (1-21)* WANI R 0 WAEI R 0 1 Agriculture, forestry and fishing WANI R 0 0 WAEI R 0 2 Mining and quarrying WANI R 0 0 WAEI R 0 3 Manufacturing industry WANI R 0 0 WAEI R 0 4 Electricity supply WANI R 0 0 WAEI R 0 5 Water supply WANI R 0 0 WAEI R 0 6 Construction WANI R 0 0 WAEI R 0 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles WANI R 0 0 WAEI R 0 8 Transport and warehousing WANI R 0 0 WAEI R 0 9 Accommodation and food services WANI R 0 0 WAEI R 0 10 WANI R 0 0

Information and communication WAEI R 0 11 Financial and insurance activities WANI R 0 0 WAEI R 0 12 Real estate business WANI R 0 0 WAEI R 0 13 Professional, scientific and technical activities WANI R 0 0 WAEI R 0 14 Administrative and support service activities WANI R 0 0 WAEI R 0 15 Public administration, defence and compulsory social insurance WANI R 0 0 WAEI R 0 16 Education WANI R 0 0 WAEI R 0 17 Health and social welfare WANI R 0 0 WAEI R 0 18 Art, entertainment and recreational activities WANI R 0 0 WAEI R 0 19 Other service activities WANI R 0 0 WAEI R 0 20 Activities of households as employers WANI R 0 0 WAEI R 0 21 Activities of extra - territorial organisations and bodies WANI R 0 0 WAEI R 0 III Total legal persons (I+II) WANI R 0 WAEI R 0 IV Natural persons, non -residents WANI R 0 WAEI R 0 V WANI R 0

Natural persons, residents WAEI R 0 VI Natural persons (IV + V) WANI R 0 WAEI R 0 VII TOTAL (III + VI) WANI R 0 WAEI R 0 No. Deposits - Summary WADIR Demand deposits Dep osit acc. no. Ra te in % Up to 3 mont hs Depo sit acc. no. Rate in % up to 1 year Depo sit acc. no. Ra te in % up to 3 years Depo sit acc. no. Rate in % up to 5 years De po sit ac c. no. Ra te in % Over 5 years Depo sit acc. no. Rate in % Total Dep osit acc. no. Rate in % VIII WADIR on total deposits of legal persons WANIR 0 WAEIR 0 IX WADIR on total deposits of natural persons WANIR 0 WAEIR 0 X WADIR on total deposits of a credit institution WANIR 0 WAEIR 0

• Law on Classification of Activities (OGM 18/11)
  58.Assets to be Measured (Template M-MSFI9-A) ASSETS TO BE MEASURED 2 Financial assets at amortised cost 3 Financial assets at fair value through other comprehensive income No. in the balance sheet:
  1 2a 2b 2c 2d
  Number of sub￾account s
  1 3a 3b 3c 3d
  Number of sub￾accoun ts
  Cash and cash equivalents
  1009 Funds held with credit institutions abroad (demand deposits) Dr 1012 Other cash Dr 1013 Coverage under letters of credit with foreign credit institutions Dr 1014 Coverage under guarantees with foreign credit institutions Dr 1015 Client’s funds from custody operations Dr 1019 Value adjustments of cash and cash equivalents Cr TOTAL Deposits with credit institutions and other depository institutions

1120 State credit institutions, residents – non-interest bearing Dr 1121 State credit institutions, residents – interest bearing Dr 1122 State credit institutions, residents – interest bearing (overnight) Dr 1124 Private credit institutions, residents – non-interest bearing Dr 1125 Private credit institutions, residents – interest bearing Dr 1126 Private credit institutions, residents – interest bearing (overnight) Dr 1127 Funds in the accounts, domestic Dr 1128 Credit institutions/other depository institutions, non-residents – non-interest bearing (time deposits) Dr 1129 Credit institutions/other depository institutions, non-residents – interest bearing (time deposits) Dr 1130 Credit institutions/other depository institutions, non-residents – interest bearing (overnight) Dr 1131 Credit institutions/other depository institutions (parent credit institution and other members of the group of credit institutions), non￾residents – interest bearing (time deposits) Dr 1132 Other state depository institutions, residents – non-interest bearing Dr 1133 Other state depository institutions, residents – interest bearing Dr 1134 Other state depository institutions, residents – interest bearing (overnight) Dr 1136 Other private depository institutions, residents – non-interest bearing Dr 1137 Other private depository institutions, residents – interest bearing Dr 1138 Other private depository institutions, residents – interest bearing (overnight) Dr 1139 Credit institutions / other depository institutions (parent credit institution and other members of the group of credit institutions), non￾residents – interest-bearing (overnight deposits) Dr 1140 Other - non-interest bearing Dr 1141 Other - interest bearing Dr 1149 Value adjustments of deposits with credit institutions and other depository institutions Cr 1151 Securities purchased under agreement to resell Dr 1159 Value adjustments of purchase and resell operations Cr TOTAL Derivative financial assets held as hedging instrument (fair value) 1160 Financial derivatives (instruments held for trading), residents Dr 1161 Contracts related to interest rates, non-residents Dr

1162 Contracts related to foreign exchange rate and price in equity securities, non-residents Dr 1163 Other contracts that meet the definition of derivatives under IAS 39, non-residents Dr TOTAL Held-for-trading securities 1170 Shares: non-residents Dr 1171 Instruments other than stocks: Government of Montenegro Dr 1172 Instruments other than stocks: Local self-government units Dr 1173 Shares of undertakings engaged in financial activities: residents Dr 1174 Shares of undertakings engaged in non-financial activities:
residents Dr
1175 Instruments other than stocks – Others: residents Dr 1176 Instruments other than stocks: non-residents Dr 1177 Non-amortised discount Dr/Cr 1178 Non-amortised premiums Dr/Cr TOTAL Securities carried at fair value through profit or loss 1180 Securities carried at fair value through profit or loss, not held for trading Dr TOTAL Securities carried at fair value through other comprehensive result 1190 Shares: non-residents Dr 1191 Instruments other than stocks: Government of Montenegro Dr 1192 Instruments other than stocks: Local self-government units Dr 1193 Shares of undertakings engaged in financial activities: residents Dr 1194 Shares of undertakings engaged in non-financial activities:
residents Dr
1195 Instruments other than stocks – Others: residents Dr 1196 Instruments other than stocks: non-residents Dr 1197 Non-amortised discount Dr/Cr 1198 Non-amortised premiums Dr/Cr TOTAL Loans purchased for trading (securitization) 1291 Loans purchased for trading (securitization) Dr TOTAL Loans to credit institutions, other depository institutions, financial institutions and undertakings engaged in financial activity

1201 Central Bank of Montenegro Dr 1202 Other central banks Dr 1203 State credit institutions, residents Dr 1204 Private credit institutions, residents Dr 1205 Credit institutions/ other depository institutions, non-residents Dr 1206 Other state depository institutions, residents Dr 1207 Other private depository institutions, residents Dr 1208 Other financial institutions, residents Dr 1210 Other financial institutions, non-residents Dr 1211 Insurance/reinsurance undertakings, residents Dr 1212 Insurance/reinsurance undertakings, non-residents Dr 1213 Undertakings engaged in financial lease activities, residents Dr 1214 Undertakings engaged in financial lease activities, non-residents Dr 1215 Undertakings engaged in brokerage activities at capital market, residents Dr 1216 Undertakings engaged in brokerage activities at capital market, non-residents Dr 1217 Ancillary financial institutions, residents Dr 1218 Ancillary financial institutions, non-residents Dr 1220 Micro-credit financial institutions, residents Dr 1221 Micro-credit financial institutions, non-residents Dr 1222 Factoring companies, residents Dr 1223 Factoring companies, non-residents Dr 1229 Value adjustments of loans to credit institutions and other depository institutions, financial institutions and undertakings engaged in financial activity Cr TOTAL Loans to non-financial sector 1251 State undertakings, residents Dr 1253 State undertakings, non-residents Dr 1254 Local self-government public services Dr 1256 Employees Dr 1257 Non-government and other non-profit organisations: non-residents Dr 1258 Non-government and other non-profit organisations: residents Dr 1261 Private undertakings, residents Dr 1262 Entrepreneurs Dr 1264 Natural persons, residents Dr 1265 Natural persons, non-residents Dr

1266 Payment cards, residents Dr 1267 Payment cards, non-residents Dr 1268 Other Dr 1269 Value adjustment of loans to non-financial sector Cr TOTAL Loans to Government of Montenegro, other Budget of Montenegro beneficiaries, local self-government units and regulatory agencies 1271 Government of Montenegro Dr 1272 Local self-government units Dr 1273 Other Budget of Montenegro beneficiaries Dr 1278 Regulatory agencies Dr 1279 Value adjustments of loans to the Government, other Budget of Montenegro beneficiaries, local self-government units and regulatory agencies Cr TOTAL Loans to Funds 1281 Investment and Development Fund of Montenegro Dr 1282 Employment Agency of Montenegro Dr 1283 Health Insurance Fund of Montenegro Dr 1284 Pension and Disability Fund of Montenegro Dr 1285 Voluntary pension funds, residents Dr 1286 Funds, non-residents Dr 1287 Investment funds, residents Dr 1288 Other funds, residents Dr 1289 Value adjustments of loans to Funds Cr TOTAL Servicing rights 1301 Servicing rights Dr 1302 Accumulated amortization of servicing rights Cr 1309 Valuation reserves for servicing rights Cr TOTAL Securities measured at amortised cost 1401 Instruments other than stocks: Government of Montenegro Dr 1402 Instruments other than stocks: Local self-government units Dr 1404 Instruments other than stocks: Other residents Dr 1405 Instruments other than stocks: Non-residents Dr 1407 Non amortized discount Dr/Cr 1408 Non amortized premiums Dr/Cr

1409 Value adjustments of securities measured at amortised cost Dr TOTAL Factoring and forfaiting 1411 Receivables purchased (factoring) Dr 1412 Receivables purchased (forfaiting) Dr 1419 Value adjustment of factoring and forfaiting Cr TOTAL Credit institution receivables on acceptances, guarantees and bills of exchange outstanding 1500 Credit institutions, residents Dr 1501 Credit institutions, non-residents Dr 1502 Undertakings, residents Dr 1503 Government of Montenegro Dr 1504 Other beneficiaries of the Budget of Montenegro Dr 1505 Local self-government units Dr 1506 Public services of local self-government units Dr 1507 Other depository institutions/other financial institutions/undertakings engaged in financial activity, residents Dr 1508 Other depository institutions/other financial institutions/ undertakings engaged in financial activity, non-residents Dr 1509 Undertakings, non-residents Dr 1510 Entrepreneurs Dr 1511 Natural persons, residents Dr 1512 Natural persons, non-residents Dr 1513 Other Dr 1519 Value adjustments of credit institution receivables on acceptances, guarantees and bills of exchange outstanding Cr TOTAL Interest receivables 1901 Receivables on invoiced interests: Loans Dr 1902 Receivables on invoiced interests: Securities Dr 1903 Receivables on invoiced interests: Deposits Dr 1904 Receivables on interest overdrafts Dr 1905 Receivables on invoiced interests: lease receivables Dr 1906 Receivables on invoiced interests: cashable guarantees Dr 1907 Receivables on invoiced interests: purchased receivables Dr 1908 Receivables on invoiced interests: other Dr 1909 Value adjustments of interest receivables Cr

TOTAL
Accruals and prepaid expenses 1932 Accruals: loans Dr 1933 Accruals: securities Dr 1934 Accruals: deposits Dr 1935 Accruals: lease receivables Dr 1936 Accruals: guarantees Dr 1937 Accruals: purchased receivables Dr 1939 Value adjustment of accruals Cr TOTAL Accruals of fees 1941 Accruals of fees: loans Cr 1942 Accruals of fees: securities Cr 1943 Accruals of fees: deposits Cr 1944 Accruals of fees: lease receivables Cr 1945 Accruals of fees: guarantees Cr 1946 Accruals of fees: purchased receivables Cr TOTAL Other assets 1927 Other financial receivables Dr 1929 Value adjustment of other assets Cr New account (IFRS 16 leases) 1938 Accruals - other Dr 4 Held-for-trading financial assets 5 Financial assets carried at fair value through profit or loss, not held for trading 1 4a 4b 4c 4d Number of sub-accounts 1 5a 5b 5c 5d Number of sub-accounts

59.Liabilities to be Measured (Template M-MSFI9-P) LIABILITIES TO BE MEASURED Financial liabilities measured at amortised cost Held-for-trading financial liabilities Financial liabilities carried at fair value through profit or loss No. in the balance sheet:
17a 17b 17c 17d 17e 17f
Number of sub￾accounts
18a 18b 18c 18d 18e 18f
Number of sub￾accounts a
19a 19b 19c 19d 19e
Number of sub￾accounts
Borrowings from central banks 2101 Central Bank of Montenegro Cr 2102 Other central banks Cr TOTAL Short-term borrowings 2111 State credit institutions, residents Cr 2112 Private credit institutions, residents Cr 2113 Credit institutions, non-residents Cr 2114 Other state depository institutions, residents Cr 2115 Other private depository institutions, residents Cr 2116 Other depository institutions/other financial institutions, non-residents Cr 2117 Parent credit institutions Cr 2118 Other members of the group of credit institutions Cr 2119 Government of Montenegro and other Budget of Montenegro beneficiaries Cr 2120 Other Cr TOTAL Long-term borrowings 2131 State credit institutions, residents Cr 2132 Private credit institutions, residents Cr 2133 Credit institutions, non-residents Cr 2134 Other state depository institutions, residents Cr 2135 Other private depository institutions, residents Cr 2136 Other depository institutions/other financial institutions, non-residents Cr

2137 Parent credit institutions Cr 2138 Other members of the group of credit institutions Cr 2139 Government of Montenegro and other Budget of Montenegro beneficiaries Cr 2140 Other Cr TOTAL Liabilities on securities sold under repurchase agreement 2151 Liabilities on securities sold under repurchase agreement Cr TOTAL Demand (sight) deposits of credit institutions, other depository institutions, financial institutions and undertakings engaged in financial activity 2301 Undertakings engaged in financial lease operations, residents – non-interest bearing Cr 2302 Undertakings engaged in financial lease operations, residents – interest bearing Cr 2303 Undertakings engaged in brokerage activities at capital market, residents – non-interest bearing Cr 2304 Undertakings engaged in brokerage activities at capital market, residents - interest bearing Cr 2305 State credit institutions, residents – non￾interest bearing Cr 2306 State credit institutions, residents – interest bearing Cr 2307 Private credit institutions, residents – non￾interest bearing Cr 2308 Private credit institutions, residents – interest bearing Cr 2309 Credit institutions, non-residents – non￾interest bearing Cr 2310 Credit institutions, non-residents – interest bearing Cr 2311 Other state depository institutions, residents – non-interest bearing Cr 2312 Other state depository institutions, residents – interest bearing Cr 2313 Other private depository institutions, residents – non-interest bearing Cr 2314 Other private depository institutions, residents – interest bearing Cr

2315 Other depository institutions/other financial institutions/ undertakings engaged in financial activity, non-residents – non-interest bearing Cr 2316 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents – interest bearing Cr 2317 Others – non-interest bearing Cr 2318 Others – interest bearing Cr 2319 Central Bank of Montenegro, residents Cr 2320 Central Bank of Montenegro, non-residents Cr TOTAL Demand (sight) deposits of non-financial sector 2321 State undertakings, residents - non-interest bearing Cr 2322 State undertakings, residents - interest bearing Cr 2323 Public services of local self-government units – non-interest bearing Cr 2324 Public services of local self-government units – interest bearing Cr 2325 Private undertakings, residents - non-interest bearing Cr 2326 Private undertakings, residents - interest bearing Cr 2327 Entrepreneurs - non-interest bearing Cr 2328 Entrepreneurs - interest bearing Cr 2329 Undertakings, non-residents - non-interest bearing Cr 2330 Undertakings, non-residents - interest bearing Cr 2331 Natural persons, residents – non-interest bearing Cr 2332 Natural persons, residents –interest bearing Cr 2333 Natural persons, non-residents – non-interest bearing Cr 2334 Natural persons, non-residents –interest bearing Cr 2335 Undertakings, funds for payment and coverage under letters of credit Cr 2336 Undertakings, funds for payment and coverage under guarantees Cr 2339 Non-government and other non-profit organizations, residents – non-interest bearing Cr

2340 Non-government and other non-profit organizations, residents – interest bearing Cr 2341 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2342 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2343 Others - non-interest bearing Cr 2344 Others - interest bearing Cr TOTAL Demand (sight) deposits of the Government, other Budget of Montenegro beneficiaries and local self-government units 2345 Government of Montenegro - non-interest bearing Cr 2346 Government of Montenegro - interest bearing Cr 2347 Local self-government units - non-interest bearing Cr 2348 Local self-government units - interest bearing Cr 2349 Other Budget of Montenegro beneficiaries￾non-interest bearing Cr 2350 Other Budget of Montenegro beneficiaries￾interest bearing Cr 2351 Others - non- interest bearing Cr 2352 Others - interest bearing Cr TOTAL Demand (sight) deposits of regulatory agencies 2353 Regulatory agencies, residents – non-interest bearing Cr 2354 Regulatory agencies, residents –interest bearing Cr 2355 Regulatory agencies, non-residents – non￾interest bearing Cr 2356 Regulatory agencies, non-residents – interest bearing Cr TOTAL Demand (sight) deposits of Funds 2361 Investment and Development Fund of Montenegro – non-interest bearing Cr 2362 Investment and Development Fund of Montenegro – interest bearing Cr

2363 Employment Agency of Montenegro - non￾interest bearing Cr 2364 Employment Agency of Montenegro - interest bearing Cr 2365 Health Insurance Fund - non-interest bearing Cr 2366 Health Insurance Fund - interest bearing Cr 2367 Pension and Disability Insurance Fund - non￾interest bearing Cr 2368 Pension and Disability Insurance Fund - interest bearing Cr 2369 Voluntary pension funds, residents - non￾interest bearing Cr 2370 Voluntary pension funds, residents - interest bearing Cr 2371 Funds, non-residents - non-interest bearing Cr 2372 Funds, non-residents - interest bearing Cr 2373 Investment Funds, residents - non-interest bearing Cr 2374 Investment Funds, residents - interest bearing Cr 2375 Others, residents - non-interest bearing Cr 2376 Others, residents - interest bearing Cr 2377 Voluntary pension funds – non-residents, non-interest bearing Cr 2378 Voluntary pension funds – non-residents, interest bearing Cr TOTAL Demand (sight) deposits of insurance/reinsurance undertakings 2381 Private insurance/reinsurance undertakings, residents – non-interest bearing Cr 2382 Private insurance/reinsurance undertakings, residents –interest bearing Cr 2383 State insurance/reinsurance undertakings, residents – non-interest bearing Cr 2384 State insurance/reinsurance undertakings, residents –interest bearing Cr 2385 Insurance/reinsurance undertakings, non￾residents – non-interest bearing Cr 2386 Insurance/reinsurance undertakings, non￾residents – interest bearing Cr TOTAL Other financial institutions

2387 Factoring companies, non-residents, non￾interest bearing Cr 2388 Factoring companies, non-residents, interest bearing Cr 2389 Factoring companies, residents, non-interest bearing Cr 2390 Factoring companies, residents, interest bearing Cr 2391 Micro-credit financial institutions, residents, non-interest bearing Cr 2392 Micro-credit financial institutions, non￾residents, interest bearing Cr 2393 Micro-credit financial institutions, non￾residents, non-interest bearing Cr 2394 Micro-credit financial institutions, non￾residents, interest bearing Cr 2395 Ancillary financial institutions, residents, non￾interest bearing Cr 2396 Ancillary financial institutions, residents, interest bearing Cr 2397 Ancillary financial institutions, non-residents, non-interest bearing Cr 2398 Ancillary financial institutions, non-residents, interest bearing Cr TOTAL Funds at escrow account 2401 Credit institutions, residents – non-interest bearing Cr 2402 Credit institutions, residents –interest bearing Cr 2403 Credit institutions, non-residents – non￾interest bearing Cr 2404 Credit institutions, non-residents –interest bearing Cr 2405 Other depository institutions, residents – non￾interest bearing Cr 2406 Other depository institutions, residents – interest bearing Cr 2407 Other depository institutions, non-residents – non-interest bearing Cr 2408 Other depository institutions, non-residents – interest bearing Cr 2409 Other financial institutions/undertakings engaged in financial activity, residents – non-interest bearing Cr

2410 Other financial institutions/undertakings engaged in financial activity, residents – interest bearing Cr 2411 Other financial institutions/undertakings engaged in financial activity, non-residents – non￾interest bearing Cr 2412 Other financial institutions/undertakings engaged in financial activity, non-residents –interest bearing Cr 2413 State undertakings - non-interest bearing Cr 2414 State undertakings - interest bearing Cr 2415 Private undertakings, residents - non-interest bearing Cr 2416 Private undertakings, residents - interest bearing Cr 2417 Undertakings, non-residents - non-interest bearing Cr 2418 Undertakings, non-residents - interest bearing Cr 2419 Entrepreneurs, non-interest bearing Cr 2420 Entrepreneurs, interest bearing Cr 2421 Government of Montenegro – non-interest bearing Cr 2422 Government of Montenegro –interest bearing Cr 2423 Other Budget of Montenegro beneficiaries￾non-interest bearing Cr 2424 Other Budget of Montenegro beneficiaries￾interest bearing Cr 2425 Local self-government units - non-interest bearing Cr 2426 Local self-government units - interest bearing Cr 2427 Public services of local self-government units – non-interest bearing Cr 2428 Public services of local self-government units – interest bearing Cr 2429 State funds – non-interest bearing Cr 2430 State funds –interest bearing Cr 2431 Regulatory agencies – non-interest bearing Cr 2432 Regulatory agencies –interest bearing Cr 2433 Private funds, residents – non-interest bearing Cr

2434 Private funds, residents –interest bearing Cr 2435 Private funds, non-residents – non-interest bearing Cr 2436 Private funds, non-residents –interest bearing Cr 2437 Natural persons, residents – non-interest bearing Cr 2438 Natural persons, residents –interest bearing Cr 2439 Natural persons, non-residents – non-interest bearing Cr 2440 Natural persons, non-residents –interest bearing Cr 2441 Non-government and other non-profit organizations, residents – non-interest bearing Cr 2442 Non-government and other non-profit organizations, residents – interest bearing Cr 2443 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2444 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2445 Other - non-interest bearing Cr 2446 Other - interest bearing Cr TOTAL Time (term) deposits of credit institutions, other depository institutions, other financial institutions and undertakings engaged in financial activity 2501 Undertakings engaged in financial lease operations, residents – non-interest bearing Cr 2502 Undertakings engaged in financial lease operations, residents – interest bearing Cr 2503 Undertakings engaged in brokerage activities at capital market, residents – non-interest bearing Cr 2504 Undertakings engaged in brokerage activities at capital market, residents - interest bearing Cr 2505 State credit institutions, residents – non￾interest bearing Cr 2506 State credit institutions, residents – interest bearing Cr 2507 Private credit institutions, residents – non￾interest bearing Cr 2508 Private credit institutions, residents – interest bearing Cr

2509 Credit institutions, non-residents – non￾interest bearing Cr 2510 Credit institutions, non-residents – interest bearing Cr 2511 Other state depository institutions, residents – non-interest bearing Cr 2512 Other state depository institutions, residents – interest bearing Cr 2513 Other private depository institutions, residents – non-interest bearing Cr 2514 Other private depository institutions, residents – interest bearing Cr 2515 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents – non-interest bearing Cr 2516 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents – interest bearing Cr 2517 Others – non-interest bearing Cr 2518 Others – interest bearing Cr 2519 Central Bank of Montenegro, residents –Cr 2520 Central Bank of Montenegro, non-residents Cr TOTAL Time (term) deposits of non-financial sector 2521 State undertakings, residents - non-interest bearing Cr 2522 State undertakings, residents - interest bearing Cr 2523 Public services of local self-government units – non-interest bearing Cr 2524 Public services of local self-government units – interest bearing Cr 2525 Private undertakings, residents - non-interest bearing Cr 2526 Private undertakings, residents - interest bearing Cr 2527 Entrepreneurs - non-interest bearing Cr 2528 Entrepreneurs - interest bearing Cr 2529 Undertakings, non-residents - non-interest bearing Cr 2530 Undertakings, non-residents - interest bearing Cr 2531 Natural persons, residents – non-interest bearing Cr

2532 Natural persons, residents –interest bearing Cr 2533 Natural persons, non-residents – non-interest bearing Cr 2534 Natural persons, non-residents –interest bearing Cr 2539 Non-government and other non-profit organizations, residents – non-interest bearing Cr 2540 Non-government and other non-profit organizations, residents – interest bearing Cr 2541 Non-government and other non-profit organizations, non-residents – non-interest bearing Cr 2542 Non-government and other non-profit organizations, non-residents – interest bearing Cr 2543 Others - non-interest bearing Cr 2544 Others - interest bearing Cr TOTAL Time (term) deposits of the Government, other Budget of Montenegro beneficiaries, local self￾government units 2545 Government of Montenegro - non-interest bearing Cr 2546 Government of Montenegro - interest bearing Cr 2547 Local self-government units - non-interest bearing Cr 2548 Local self-government units - interest bearing Cr 2549 Other Budget of Montenegro beneficiaries￾non-interest bearing Cr 2550 Other Budget of Montenegro beneficiaries￾interest bearing Cr 2551 Others - non- interest bearing Cr 2552 Others - interest bearing Cr TOTAL Time (term) deposits of regulatory agencies 2553 Regulatory agencies, residents – non-interest bearing Cr 2554 Regulatory agencies, residents –interest bearing Cr 2555 Regulatory agencies, non-residents – non￾interest bearing Cr 2556 Regulatory agencies, non-residents – interest bearing Cr

TOTAL
Time (term) deposits of Funds 2561 Investment and Development Fund of Montenegro – non-interest bearing Cr 2562 Investment and Development Fund of Montenegro – interest bearing Cr 2563 Employment Agency of Montenegro - non￾interest bearing Cr 2564 Employment Agency of Montenegro - interest bearing Cr 2565 Health Insurance Fund - non-interest bearing Cr 2566 Health Insurance Fund - interest bearing Cr 2567 Pension and Disability Insurance Fund - non￾interest bearing Cr 2568 Pension and Disability Insurance Fund - interest bearing Cr 2569 Voluntary pension funds, residents - non￾interest bearing Cr 2570 Voluntary pension funds, residents - interest bearing Cr 2571 Funds, non-residents - non-interest bearing Cr 2572 Funds, non-residents - interest bearing Cr 2573 Investment Funds, residents - non-interest bearing Cr 2574 Investment Funds, residents - interest bearing Cr 2575 Others, residents - non-interest bearing Cr 2576 Others, residents - interest bearing Cr 2577 Voluntary pension funds – non-residents, non-interest bearing Cr 2578 Voluntary pension funds – non-residents, interest bearing Cr TOTAL Time (term) deposits of insurance/reinsurance undertakings 2581 Private insurance/reinsurance undertakings, residents – non-interest bearing Cr 2582 Private insurance/reinsurance undertakings, residents –interest bearing Cr 2583 State insurance/reinsurance undertakings, residents – non-interest bearing Cr 2584 State insurance/reinsurance undertakings, residents –interest bearing Cr

2585 Insurance/reinsurance undertakings, non￾residents – non-interest bearing Cr 2586 Insurance/reinsurance undertakings, non￾residents –interest bearing Cr TOTAL Other financial institutions 2587 Factoring companies, non-residents, non￾interest bearing Cr 2588 Factoring companies, non-residents, interest bearing Cr 2589 Factoring companies, residents, non-interest bearing Cr 2590 Factoring companies, residents, interest bearing Cr 2591 Micro-credit financial institutions, residents, non-interest bearing Cr 2592 Micro-credit financial institutions, non￾residents, interest bearing Cr 2593 Micro-credit financial institutions, non￾residents, non-interest bearing Cr 2594 Micro-credit financial institutions, non￾residents, interest bearing Cr 2595 Ancillary financial institutions, residents, non￾interest bearing Cr 2596 Ancillary financial institutions, residents, interest bearing Cr P 2597 Ancillary financial institutions, non-residents, non-interest bearing Cr 2598 Ancillary financial institutions, non-residents, interest bearing Cr TOTAL Credit institution’s liabilities on acceptances, guarantees and bills of exchange outstanding 2600 Credit institutions, residents Cr 2601 Credit institutions, non-residents Cr 2602 Undertakings, residents Cr 2604 Government of Montenegro Cr 2605 Other beneficiaries of the Budget of Montenegro Cr 2606 Local self-government units Cr 2607 Public services of local self-government units Cr 2608 Other depository institutions/other financial institutions/undertakings engaged in financial activity, residents Cr

2609 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents Cr 2610 Undertakings, non-residents Cr 2611 Entrepreneurs Cr 2612 Natural persons, residents Cr 2613 Natural persons, non-residents Cr 2614 Others Cr TOTAL Liabilities on securities issued 2800 Credit institutions, residents Cr 2801 Credit institutions, non-residents Cr 2802 Government of Montenegro Cr 2803 Other beneficiaries of the Budget of Montenegro Cr 2804 Local self-government units Cr 2805 Other depository institutions/other financial institutions/undertakings engaged in financial activity, residents Cr 2806 Other depository institutions/other financial institutions/undertakings engaged in financial activity, non-residents Cr 2807 Undertakings, residents Cr 2808 Undertakings, non-residents Cr 2809 Others Cr 2810 Non amortised discount Dr/Cr TOTAL Interest payables and other liabilities 2901 Interest invoiced: Deposits Cr 2902 Interest invoiced: Securities Cr 2903 Interest invoiced: loans and borrowings Cr 2904 Interest overdraft Cr TOTAL Deferrals and prepaid income 2941 Deferrals: loans Cr 2942 Deferrals: debt securities Cr 2943 Deferrals: deposits Cr TOTAL Deferrals on other bases 2951 Deferrals of fees: loans Dr

2952 Deferrals of fees: debt securities Dr 2953 Deferrals of fees: deposits Dr TOTAL Interest payables and other liabilities 2926 Other financial liabilities TOTAL

60.Profit and Loss Statement to be Measured (Template M-MSFI9-BU) PROFIT AND LOSS STATEMENT TO BE MEASURED 1. Amortised cost 2. Fair value No. in the profit and loss statement: 1. 2. 3. 4. 5. 1. 2. 3. 4. 5. Credit institutions 4011 Short-term funds Cr 4012 Repurchase operations Cr 4014 Securities Cr 4015 Loans Cr 4018 Interest income on impaired placements Cr 4019 Other Cr TOTAL:
Other depository institutions, other financial institutions and undertakings engaged in financial activity 4021 Short-term funds Cr 4022 Repurchase operations Cr 4024 Securities Cr 4025 Loans Cr 4028 Interest income on impaired placements Cr 4029 Other Cr TOTAL:
Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4031 Short-term funds Cr 4032 Repurchase operations Cr 4034 Securities Cr

4035 Loans Cr
4038 Interest income on impaired placements Cr 4039 Other Cr TOTAL:
Local self-government units 4041 Short-term funds Cr 4042 Repurchase operations Cr 4044 Securities Cr 4045 Loans Cr 4048 Interest income on impaired placements Cr 4049 Other Cr TOTAL:
Private undertakings
4051 Short-term funds Cr
4052 Repurchase operations Cr 4054 Securities Cr 4055 Loans Cr 4058 Interest income on impaired placements Cr 4059 Other Cr TOTAL:
Natural persons
4061 Short-term funds Cr
4065 Loans Cr
4068 Interest income on impaired placements Cr 4069 Other Cr TOTAL:

Entrepreneurs
4071 Short-term funds Cr
4075 Loans Cr
4078 Interest income on impaired placements Cr 4079 Other Cr TOTAL:
State undertakings
4081 Short-term funds Cr
4082 Repurchase operations Cr 4084 Securities Cr 4085 Loans Cr 4088 Interest income on impaired placements Cr 4089 Other Cr TOTAL:
Other
4091 Short-term funds Cr
4092 Repurchase operations Cr 4095 Loans Cr 4098 Interest income on impaired placements Cr 4099 Other Cr TOTAL:
Credit institutions
4111 Deposits Dr
4112 Repurchase operations Dr 4115 Other borrowings Dr 4116 Subordinated debt Dr 4117 Securities Dr

4119 Other Dr
TOTAL:
Other depository institutions, other financial institutions and undertakings engaged in financial activity 4121 Deposits Dr 4122 Repurchase operations Dr 4125 Other borrowings Dr 4126 Subordinated debt Dr 4127 Securities Dr 4129 Other Dr TOTAL:
Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4131 Deposits Dr 4132 Repurchase operations Dr 4135 Other borrowings Dr 4136 Subordinated debt Dr 4137 Securities Dr 4139 Other Dr TOTAL:
Local self-government units 4141 Deposits D 4142 Repurchase operations D 4145 Other borrowings Dr 4146 Subordinated debt Dr 4147 Securities Dr 4149 Other Dr

TOTAL:
Private undertakings
4151 Deposits Dr
4152 Repurchase operations Dr 4155 Other borrowings Dr 4156 Subordinated debt Dr 4157 Securities Dr 4159 Other Dr TOTAL:
Natural persons
4161 Deposits Dr
4166 Subordinated debt Dr
4167 Securities Dr
4169 Other Dr
TOTAL:
Entrepreneurs
4171 Deposits Dr
4179 Other Dr
TOTAL:
State undertakings
4181 Deposits Dr
4182 Repurchase operations Dr 4185 Other borrowings Dr 4189 Other Dr TOTAL:
Other

4191 Deposits of other persons Dr 4192 Repurchase operations Dr 4195 Other borrowings Dr 4196 Subordinated debt Dr 4197 Other Dr TOTAL:
Credit institutions
4311 Loans Cr
TOTAL:
Other depository institutions, other financial institutions and undertakings engaged in financial activity 4321 Loans Cr TOTAL:
Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4331 Loans Cr TOTAL:
Local self-government units 4341 Loans Cr TOTAL:
Private undertakings
4351 Loans Cr
TOTAL:
Natural persons
4361 Loans Cr
TOTAL:
Entrepreneurs

4371 Loans Cr
TOTAL:
State undertakings
4381 Loans Cr
TOTAL:
Other
4391 Loans Cr
TOTAL:
Credit institutions
4511 Loans Dr
TOTAL:
Other depository institutions, other financial institutions and undertakings engaged in financial activity 4521 Loans Dr TOTAL:
Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4531 Loans Dr TOTAL:
Local self-government units 4541 Loans Dr TOTAL:
Private undertakings
4551 Loans Dr
TOTAL:
Natural persons
4561 Loans Dr

TOTAL:
Entrepreneurs
4571 Loans Dr
TOTAL:
State undertakings
4581 Loans Dr
TOTAL:
Other
4591 Loans Dr
TOTAL:
New account IFRS 16 LEASES 4193 Lease operations Dr

61.Loans and Deposits of Resident FISIM Producers (s. 122) provided to Resident FISIM Producers (s.122 and s.125) (Template M-FISIM-FP) (000 €) No. Position LOANS INTERESTS DEPOSITS INTERESTS 1 2 3 4 I ASSETS

1. Loans to resident credit institutions S.122) and other financial intermediaries
   (S.125) 0
2. Loans to non-resident credit institutions (S.122) and other financial intermediaries
   (S.125) 0
   II LIABILITIES
3. Deposit from resident credit institutions (S.122) and other financial intermediaries
   (S.125) 0
4. Deposits from non-resident credit institutions (S.122) and other financial
   intermediaries (S.125) 0

62.Loans and Deposits of Resident FISIM Producers (S. 122) provided to Non-FISIM Producers (Template M-FISIM-NFP) (000 €) No. Position LOANS(ASSETS) INTERESTS DEPOSITS (LIABILITIES) INTERESTS 1 2 3 4 I SECTOR/INDUSTRY

1. S. 11 Non-financial corporations 0
2. S. 126 Financial auxiliaries 0
   3 S. 128 Insurance undertakings 0 4 S. 129 Pension Funds 0 5 S. 1311 Central government 0 6 S. 1313 Local government 0 7 S. 1314 Social security funds 0 8 S. 14 Natural persons 0
3. S. 15 NPISHs 0
4. Non-resident non-financial institutions 0

63.Report on Own Funds of a Credit institution (Template RK) (000 €) No. POSITION AMOUNT 1=1.1+1.2 OWN FUNDS
1.1 =
1.1.1+1.1.2 TIER 1
1.1.1 COMMON EQUITY TIER 1 (CET 1)
1.1.1.1 Capital instruments eligible as CET1 capital
1.1.1.1.1 paid up capital instruments
1.1.1.1.1* of which: capital instruments subscribed by government authorities in emergency situations 1.1.1.1.2* note: capital instruments not eligible
1.1.1.1.3 share premium
1.1.1.1.4 (–) own CET1 instruments
1.1.1.1.4.1 (–) direct holdings of CET1 instruments
1.1.1.1.4.2 (–) indirect holdings of CET1 instruments
1.1.1.1.4.3 (–) synthetic holdings of CET1 instruments
1.1.1.1.5 (–) actual or contingent obligations to purchase own CET1 instruments
1.1.1.2 Retained earnings
1.1.1.2.1 previous years retained earnings
1.1.1.2.2 profit or loss eligible
1.1.1.2.2.1 profit or loss attributable to owners of the parent
1.1.1.2.2.2 (–) Part of interim or year-end profit not eligible
1.1.1.3 Accumulated other comprehensive income
1.1.1.4 Other reserves
1.1.1.5 Funds for general banking risk
1.1.1.6 Minority interest given recognition in CET1 capital
1.1.1.7 Adjustments to CET1 due to prudential filters
1.1.1.7.1 (–) increases in equity resulting from securitised assets
1.1.1.7.2 cash flow hedge reserve
1.1.1.7.3 cumulative gains and losses due to changes in own credit risk
on fair valued liabilities
1.1.1.7.4 fair value gains and losses arising from the institution´s own
credit risk related to derivative liabilities
1.1.1.7.5 (–) value adjustments due to the requirements for prudent
valuation (AVA)
1.1.1.7.5.1 (–) additional value adjustments (AVA) under the simplified approach
1.1.1.7.5.2 (–) additional valuation adjustments (AVAs) under the core approach
1.1.1.8 (–) Goodwill
1.1.1.8.1 (–) goodwill accounted for as intangible asset

1.1.1.8.2 (–) goodwill included in the valuation of significant investments
1.1.1.8.3 deferred tax liabilities associated to goodwill
1.1.1.8.4 software assets qualifying for exemption from deductible items
1.1.1.9 (–) Other intangible assets
1.1.1.9.1 (–) other intangible assets before deduction of deferred tax liabilities
1.1.1.9.2 deferred tax liabilities associated to other intangible assets
1.1.1.10 (–) Deferred tax assets that rely on future profitability and do
not arise from temporary differences net of associated tax liabilities
1.1.1.11 (–) Defined benefit pension fund assets
1.1.1.12 (–) Reciprocal cross holdings in CET1 Capital
1.1.1.13 (–) Excess of deduction from AT1 items over AT1 Capital
1.1.1.14 (–) Qualifying holdings outside the financial sector which can
alternatively be subject to a 1.250% risk weight
1.1.1.15 (–) Securitisation positions which can alternatively be subject to
a 1250% risk weight
1.1.1.16 (–) Free deliveries which can alternatively be subject to a
1.250% risk weight
1.1.1.17
(–) Positions in a basket for which an institution cannot determine the risk weight under the IRB approach, and can alternatively be subject to a 1.250% risk weight
1.1.1.18 (–) Equity exposures under an internal models approach which
can alternatively be subject to a 1.250% risk weight
1.1.1.19 (–) CET1 instruments of financial sector entities where the institution
does not have a significant investment
1.1.1.20 (–) Deductible deferred tax assets that rely on future profitability and
arise from temporary differences
1.1.1.21 (–)CET1 instruments of financial sector entities where the institution has
a significant investment
1.1.1.22 (–) Amount exceeding the 17.65% threshold
1.1.1.23
(–) Amount of insufficient coverage for non-performing exposures with value adjustments for balance sheet items and off-balance sheet provisioning 1.1.1.24 (–) Positive difference between the amount of calculated loan loss provisions and the sum of the impairments for balance sheet items and provisions for off-balance sheet items
1.1.1.25 (–) Amount exceeding the limit for investing in immovable property and
fixed assets as set out in a separate Central Bank regulation
1.1.1.26 (–) Additional deductions from CET1 in accordance with Article 2 of the
Decision on Capital Adequacy
1.1.1.27 CET1 Capital elements or deductions – other
1.1.2 ADDITIONAL TIER1 CAPITAL (AT1)
1.1.2.1 Capital instruments eligible as Additional Tier 1 Capital
1.1.2.1.1 paid up capital instruments
1.1.2.1.2* note: capital instruments not eligible
1.1.2.1.3 share premium
1.1.2.1.4 (–) own Additional Tier 1 instruments
1.1.2.1.4.1 (–) direct holdings of Additional Tier 1 instruments
1.1.2.1.4.2 (–) indirect holdings of Additional Tier 1 instruments

1.1.2.1.4.3 (–) synthetic holdings of Additional Tier 1 instruments
1.1.2.1.5 (–) actual or contingent contractual obligation to purchase own Additional Tier
1 instruments
1.1.2.2 Instruments issued by subsidiaries that are given recognition in AT1
Capital
1.1.2.3 (–) Reciprocal cross holdings in AT1 Capital
1.1.2.4 (–) AT1 instruments of financial sector entities where the institution does
not have a significant investment
1.1.2.5 (–) AT1 instruments of financial sector entities where the institution has
a significant investment
1.1.2.6 (–)Excess of deduction from AT1 items over AT1 Capital
1.1.2.7 Excess of deduction from AT1 items over AT1 Capital (deducted in
CET1)
1.1.2.8 (–) Additional deductions of AT1 Capital due to Article 2 of the Decision
on Capital Adequacy
1.1.2.9 AT1 Capital elements or deductions – other
1.2 TIER 2 CAPITAL
1.2.1 Capital instruments eligible as T2 Capital
1.2.1.1 paid up capital instruments
1.2.1.2* note: capital instruments not eligible
1.2.1.3 share premium
1.2.1.4 (–) Own T2 instruments
1.2.1.4.1 (–) direct holdings of T2 instruments
1.2.1.4.2 (–) indirect holdings of T2 instruments
1.2.1.4.3 (–) synthetic holdings of T2 instruments
1.2.1.5 (–) Actual or contingent obligations to purchase own T2 instruments
1.2.2 Transitional adjustments due to grandfathered T2 Capital instruments
1.2.3 Instruments issued by subsidiaries that are given recognition in T2
Capital
1.2.4 SA General credit risk adjustments
1.2.5 (–)Reciprocal cross holdings in T2 Capital
1.2.6 (–)T2 instruments of financial sector entities where the institution does
not have a significant investment
1.2.7 (–)T2 instruments of financial sector entities where the institution has a
significant investment
1.2.8 Excess of deduction from T2 items over T2 Capital (deducted in AT1)
1.2.9 (–)Additional deductions of T2 Capital due to Article 2 of the Decision on
Capital Adequacy
1.2.10 T2 capital elements or deductions - other

64.Report on Credit Institution's Capital Adequacy Ratio (Template KS) (000 €) I OWN FUNDS STRUCTURE No. POSITION Amount

1. OWN FUNDS
   1.1. TIER 1 CAPITAL
   1.1.1. COMMON EQUITY TIER 1 CAPITAL (CET 1)
   1.1.2. ADDITIONAL TIER 1 CAPITAL (AT1)
   1.2. TIER 2 CAPITAL (T 2)
   II CAPITAL ADEQUACY RATIOS No. POSITION Amount
2. Common Equity Tier 1 capital (CET1) ratio - min 4.5%
   1.1. Surplus(+)/Deficit(-) of CET1 capital
   1.2. Surplus(+)/Deficit(-) of CET1 capital including buffer
3. Tier 1 capital ratio – min 6%
   2.1. Surplus(+)/Deficit(-) of T1 capital
4. Total capital ratio (TCR) - min 8%
   3.1. Surplus(+)/Deficit(-) of total capital
   3.1. Surplus(+)/Deficit(-) of total capital
   III OTHER CAPITAL REQUIREMENTS No. POSITION Amount
5. Total SREP capital requirement ratio (TSCR)
6. TSCR: to be made up of CET1 capital
7. TSCR: to be made up of Tier 1 capital
8. Overall capital requirement ratio (OCR)
9. OCR: to be made up of CET1 capital
10. OCR: to be made up of Tier 1 capital
11. OCR and Pillar 2 Guidance (P2G)
12. OCR and P2G: to be made up of CET1 capital
13. OCR and P2G: to be made up of Tier 1 capital

IV CAPITAL BUFFERS
No. POSITION Amount in %

1. capital conservation buffer
2. countercyclical capital buffer
3. structural systemic risk buffer
4. global systemically important credit institution (G-SICI) buffer
5. other systemically important credit institution (O-SICI ) buffer
   COMBINED BUFFERS Amount in %
6. Non-O-SICI combined buffer
7. O-SICI combined buffer

O-SICI combined buffer where the systemic risk buffer applies to all exposures located in Montenegro to address the macroprudential risk of Montenegro, but does not apply to exposures outside Montenegro
4. combined buffer for non-O-SICI, which is a part of the group to which a G-SICI or
an O-SICI belongs
5. combined buffer for non-O-SICI, which is a part of the group to which a G-SICI or an
O-SICI belongs where the systemic risk buffer applies to all exposures located in Montenegro to address the macroprudential risk of Montenegro, but does not apply to exposures outside Montenegro
6. Combined buffer that applies to a credit institution
IV RISK EXPOSURE PER THE RISK TYPE No. POSITION Amount

1. TOTAL RISK EXPOSURE AMOUNT
   1.1. RISK WEIGHTED EXPOSURE AMOUNTS FOR CREDIT, COUNTERPARTY
   CREDIT RISKS AND FREE DELIVERIES
   1.1.1. Standardised approach (SA)
   1.1.2. Internal ratings based Approach (IRB)
   1.1.3. Risk exposure amount for contributions to the default fund of a central
   counterparty (CCP)
   1.2. TOTAL RISK EXPOSURE AMOUNT FOR SETTLEMENT
   1.2.1. Settlement/delivery risk in the non-Trading book
   1.2.2. Settlement/delivery risk in the Trading book
   1.3. TOTAL RISK EXPOSURE AMOUNT FOR POSITION, FOREIGN EXCHANGE
   AND COMMODITIES RISKS
   1.3.1. Risk exposure amount for position, foreign exchange and commodities risks
   under standardised approaches (SA)
   1.3.1.1. traded debt instruments
   1.3.1.2. equity instruments

1.3.1.3. particular approach for position risk in CIUs
1.3.1.4. Foreign Exchange
1.3.1.5. commodities
1.3.2. Risk exposure amount for positions, foreign exchange and commodity risks
under internal models (IM)
1.4. TOTAL RISK EXPOSURE AMOUNT FOR OPERATIONAL RISK (OpR)
1.4.1. OpR Basic Indicator approach (BIA)
1.4.2. OpR Standardised (TSA) / Alternative Standardised (ASA) approaches
1.4.3. OpR Advanced measurement approaches (AMA)
1.5. TOTAL RISK EXPOSURE AMOUNT FOR CREDIT VALUATION ADJUSTMENT
(CVA)
1.5.1. Advanced method
1.5.2. Standardised method
1.5.3. Based on Original Exposure Method (OEM)
1.6. TOTAL RISK EXPOSURE AMOUNT RELATED TO LARGE EXPOSURES IN THE
TRADING BOOK
1.7. OTHER RISK EXPOSURE AMOUNTS

65. Report on Risk-Weighted Exposure to Credit Risk, Counterparty Credit Risk and Free Delivery under Standardized
    Approach (Template PBAV)
    (000 €)
    GROSS
    EXPOSURE
    (–)VALUE
    ADJUSTMEN
    TS/PROVISIO
    NS
    EXPOSURE
    NET OF
    VALUE
    ADJUSTMENT
    S/PROVISION
    S
    CREDIT RISK MITIGATION (CRM) TECHNIQUES WITH SUBSTITUTION EFFECTS ON THE EXPOSURE NO. POSITION UNFUNDED CREDIT PROTECTION: ADJUSTED VALUES (Ga) FUNDED CREDIT PROTECTION SUBSTITUTION OF THE EXPOSURE DUE TO (CRM) (–) GUARANTE ES AND OTHER SURETIES (–)CREDIT DERIVATIVE S (–)FINANCIAL COLLATERAL:
    SIMPLE
    METHOD
    (–)OTHER
    FUNDED
    CREDIT
    PROTECTION
    (–)TOTAL
    OUTFLO
    WS
    TOTAL
    INFLOWS
    (+)
    1 2 3 4 5=3-4 6 7 8 9
    10=6+7+8
    +9 11
    I
    TOTAL ON-BALANCE SHEET
    EXPOSURES SUBJECT TO CREDIT RISK a. of which: cash and deposit accounts with central banks b. of which: loans and receivables
    c. of which: securities
    d. of which: other financial assets e. of which: investments in associates, subsidiaries and joint ventures at equity method f. of which: other
66. exposures to central governments
    and central banks
    1.1. of which: in default

1.2. exposures to the Government of
Montenegro and the CBCG denominated and funded in EUR (Article 131 of the Decision) 1.3. exposures to the Government of Montenegro and the CBCG denominated and funded in the currency other than EUR (Article 131 of the Decision) 1.4. exposures to Member States' central governments, and central banks denominated and funded in the domestic currency of that central government and central bank (Article 131 of the Decision) 1.5. exposures to Member States' central governments, and central banks not denominated and funded in the domestic currency of that central government and central bank (Article 131 of the Decision) 1.6. exposures to equivalent third countries denominated and funded in the domestic currency of that third country (Article 131 of the Decision) 1.7. exposures to equivalent third countries not denominated and funded in the domestic currency of that third country (Article 131 of the Decision)
1.8. other exposures to central governments
and central banks
1.9. total exposure to central
governments and central banks
2. exposures to regional governments
or local authorities
2.1. of which: in default
2.2. Exposures to local authorities in
Montenegro
2.3. Exposures to regional governments and
local authorities of the Member States

2.4.
Exposures to regional governments or local authorities from equivalent third countries
2.5. other exposures to regional
governments or local authorities
2.6. total exposure to regional
governments or local authorities
3. Exposures to public sector entities
3.1. of which: in default
3.2. exposures to public sector entities with
an original maturity of three months or less (Article 133 paragraph (4) of the Decision) 3.3. exposures that may be treated as exposures to the Government of Montenegro (Article 133 paragraph (5) of the Decision) 3.4. exposures that may be treated as exposures to local authority in Montenegro (Article 133 paragraph (5) of the Decision) 3.5. exposures to public-sector entities from the Member States that may be treated as exposures to the central government of the Member State (Article 133 paragraph (6) of the Decision) 3.6. Exposures from equivalent third countries treated in accordance with
Article 133 paragraph (7) of the Decision
3.7. other exposures to public sector entities
3.8. total exposure to public sector
entities
4. exposures to multilateral
development banks
4.1. of which: in default
4.2. other exposures to multilateral
development banks

4.3. total exposure to multilateral
development banks
5. exposures to international
organisations
5.1. of which: in default
5.2. other exposures to international
organisations
5.3. total exposure to international
organisations
6. exposures to institutions
6.1. of which: in default
6.2. exposures to institutions of a residual
maturity of three months or less denominated and funded in the national currency of that institution 6.3. exposures to institutions for which a credit assessment by a nominated ECAI is available 6.4. exposures for which a credit assessment by a nominated ECAI is not available with a residual maturity of three months or more 6.5. exposures for which a credit assessment by a nominated ECAI is not available with a residual maturity of three months or less
6.6. total exposures to institutions
7. exposures to corporates
7.1. of which: in default
7.2. Exposures to large SMEs
7.3. other exposures to business
undertakings

7.4. total exposures to business
undertakings
8. retail exposures
8.1. of which: in default
8.2. exposures to natural persons
8.3. exposures to SMEs
8.4. total retail exposures
9. exposures secured by mortgages on
residential property
9.1. of which: in default
9.2. exposures to natural persons
9.3. exposures to SMEs
9.4. exposures to business undertakings
9.5. other exposures secured by mortgages
on residential property
9.6. total exposures secured by
mortgages on residential property
10. exposures secured by mortgages on
commercial immovable property
10.1. of which: in default
10.2. exposures to natural persons
10.3. exposures to SMEs
10.4. exposures to business undertakings
10.5. other exposures secured by mortgages
on commercial immovable property

10.6. total exposures secured by
mortgages on commercial immovable property
11. exposures in default
12. exposures associated with
particularly high risk
12.1. investments in venture capital firms
12.2. investments in private equity
12.3. speculative immovable property
financing
12.3.1. of which: in default
12.4. total exposures associated with
particularly high risk
13. exposures to institutions and
corporates with a short-term credit assessment
13.1. of which: in default
13.2 other exposures to institutions and
corporates with a short-term credit assessment 13.3. total exposure to institutions and corporates with a short-term credit assessment 14. exposures in the form of units or shares in collective investment undertakings (CIUs)
15. equity
16. other asset items
16.1. of which: in default
16.2.
Other exposures to natural persons that are not eligible for the retail or any other class

16.3. cash in hand and equivalent cash items
16.4. cash items in the process of collection
16.5.
Tangible assets (land and buildings occupied by a credit institution)
16.6. acquired assets
16.7. investment property
16.8. other asset items (prepayments, other
receivables)
16.9. total exposure to other asset items
II TOTAL ON-BALANCE SHEET
EXPOSURES
III
TOTAL OFF-BALANCE SHEET
EXPOSURES SUBJECT TO CREDIT RISK a. of which: guarantees b. of which: letters of credit
c. of which: Credit Obligations
d. of which: other off-balance sheet items

1. exposures to central governments
   and central banks
   1.1. of which: in default
   1.2. exposures to the Government of
   Montenegro and the CBCG denominated and funded in EUR (Article 131 of the Decision)
   1.3. exposures to the Government of
   Montenegro and the CBCG

denominated and funded in the currency other than EUR (Article 131 of the Decision) 1.4. exposures to Member States' central governments, and central banks denominated and funded in the domestic currency of that central government and central bank (Article 131 of the Decision) 1.5. exposures to Member States' central governments, and central banks not denominated and funded in the domestic currency of that central government and central bank (Article 131 of the Decision) 1.6. exposures to equivalent third countries denominated and funded in the domestic currency of that third country (Article 131 of the Decision) 1.7. exposures to equivalent third countries not denominated and funded in the domestic currency of that third country (Article 131 of the Decision)
1.8. other exposures to central governments
and central banks
1.9. total exposure to central
governments and central banks
2. exposures to regional governments
or local authorities
2.1. of which: in default
2.2. Exposures to local authorities in
Montenegro
2.3. Exposures to regional governments and
local authorities of the Member States 2.4. Exposures to regional governments or local authorities from equivalent third countries
2.5. other exposures to regional
governments or local authorities

2.6. total exposure to regional
governments or local authorities
3. Exposures to public sector entities
3.1. of which: in default
3.2. exposures to public sector entities with
an original maturity of three months or less (Article 133 paragraph (4) of the Decision) 3.3. exposures that may be treated as exposures to the Government of Montenegro (Article 133 paragraph (5) of the Decision) 3.4. exposures that may be treated as exposures to local authority in Montenegro (Article 133 paragraph (5) of the Decision) 3.5. exposures to public-sector entities from the Member States that may be treated as exposures to the central government of the Member State (Article 133 paragraph (6) of the Decision) 3.6. Exposures from equivalent third countries treated in accordance with
Article 133 paragraph (7) of the Decision
3.7. other exposures to public sector entities
3.8. total exposure to public sector
entities
4. exposures to multilateral
development banks
4.1. of which: in default
4.2. other exposures to multilateral
development banks
4.3. total exposure to multilateral
development banks
5. exposures to international
organisations

5.1. of which: in default
5.2. other exposures to international
organisations
5.3. total exposure to international
organisations
6. exposures to institutions
6.1. of which: in default
6.2. exposures to institutions of a residual
maturity of three months or less denominated and funded in the national currency of that institution 6.3. exposures to institutions for which a credit assessment by a nominated ECAI is available 6.4. exposures for which a credit assessment by a nominated ECAI is not available with a residual maturity of three months or more 6.5. exposures for which a credit assessment by a nominated ECAI is not available with a residual maturity of three months or less
6.6. total exposures to institutions
7. exposures to corporates
7.1. of which: in default
7.2. Exposures to large SMEs
7.3. other exposures to business
undertakings
7.4. total exposures to business
undertakings
8. retail exposures

8.1. of which: in default
8.2. exposures to natural persons
8.3. exposures to SMEs
8.4. total retail exposures
9. exposures secured by mortgages on
residential property
9.1. of which: in default
9.2. exposures to natural persons
9.3. exposures to SMEs
9.4. exposures to business undertakings
9.5. other exposures secured by mortgages
on residential property
9.6. total exposures secured by
mortgages on residential property
10. exposures secured by mortgages on
commercial immovable property
10.1. of which: in default
10.2. exposures to natural persons
10.3. exposures to SMEs
10.4. exposures to business undertakings
10.5. other exposures secured by mortgages
on commercial immovable property 10.6. total exposures secured by mortgages on commercial immovable property

11. exposures in default
12. exposures associated with
    particularly high risk
    12.1. investments in venture capital firms
    12.2. investments in private equity
    12.3. speculative immovable property
    financing
    12.3.1. of which: in default
    12.4. total exposures associated with
    particularly high risk
13. exposures to institutions and
    corporates with a short-term credit assessment
    13.1. of which: in default
    13.2 other exposures to institutions and
    corporates with a short-term credit assessment 13.3. total exposure to institutions and corporates with a short-term credit assessment 14. exposures in the form of units or shares in collective investment undertakings (CIUs)
14. other asset items
    15.1. of which: in default
    15.2. other exposures to natural persons that
    are not eligible for the retail or any other class
    15.3. other asset items (prepayments, other
    receivables)
    15.4. total exposure to other asset items

IV TOTAL OFF-BALANCE SHEET EXPOSURES V EXPOSURES/ TRANSACTIONS SUBJECT TO COUNTERPARTY CREDIT RISK

1. Securities-financing transactions
   (SFT)
2. Derivatives and long settlement
   transactions
   VI TOTAL EXPOSURES
   FUNDED CREDIT
   PROTECTION -
   FINANCIAL
   COLLATERAL
   COMPREHENSIVE
   METHOD
   (DEPOSIT)
   EXPOSURE
   AFTER THE
   APPLICATION
   OF CREDIT RISK
   MITIGATION
   TECHNIQUES
   BREAKDOWN OF THE FULLY ADJUSTED EXPOSURE VALUE OF OFF-BALANCE SHEET ITEMS BY CONVERSION FACTORS EXPOSURE AMOUNT RISK WEIGHTS 0% 20% 35% 50% 75% 0% 20% 50% 100% 12 13=5-10+11-12 14 15 16 17 18=13-14- 150,8-160,5 19 20 21 22 23

RISK-WEIGHTED
EXPOSURE
AMOUNTS PRE
ADDITIONAL
RISK WEIGHTS
(-) ADJUSTMENT OF
RISK-WEIGHTED
EXPOSURE
AMOUNT BY SME￾SUPPORTING
FACTOR
(-) ADJUSTMENT OF
RISK-WEIGHTED
EXPOSURE
AMOUNT BY
ADDITIONAL
WEIGHT FOR
INFRASTRUCTURE
PROJECTS
RISK WEIGHTED
EXPOSURE AMOUNT
AFTER SME￾SUPPORTING
FACTOR AND
ADDITIONAL WEIGHT
FOR
INFRASTRUCTURE
PROJECTS
150% 250% 1250%
25 26 27 28=18* ponder 29 30 31=28-29-30

66.Report on Capital Requirement for Operational Risk (Template OR) (000 €) RELEVANT INDICATOR Loans and advances in case of Alternative Standardised Approach (ASA) application No. Position year-3 year-2 last year year-3 year-2 last year CAPITAL REQUIRE MENT Total operational risk exposure amount 1 2 3 4 5 6 7 8 9 10 1 Banking activities subject to basic indicator approach (BIA) 2 Banking activities subject to standardised (TSA) / alternative standardised (ASA) approaches Subject to Standardised Approach:
3 Corporate finance
4 Trading and sales
5 Retail brokerage
6 Commercial banking
7 Retail banking
8 Payment and settlement
9 Agency services
10 Asset management
Subject to Alternative Standardised Approach (ASA) 11 Commercial banking 12 Retail banking 3 Banking activities subject to advanced measurement approaches (AMA)

NOTE:
Basic Indicator Approach (BIA): Where for any given observation, the relevant indicator is negative or equal to zero, a credit institution shall not take into account this figure in the calculation of the average over three years. Standardised Approach (SA): In any given year, a credit institution may offset negative capital requirements resulting from a negative part of the relevant indicator in any business line with positive capital requirements in other business lines without limit. However, where the aggregate capital requirement across all business lines within a given year is negative, a credit institution shall use the value zero as the input to the numerator for that year. Alternative Standardised Approach (ASA): the relevant indicator is a normalised income indicator equal to the nominal amount of loans and advances multiplied by 0,035. For the commercial banking business line, a credit institution shall also include securities held in the non trading book in the nominal amount of loans and advances.

67.Report on Market Risks: Standardised Approach for Position Risks in Traded Debt Instruments (Template KZ-DI) (000 €) No. GENERAL RISK Open position Weight (%) Weighted open position Matched position by bands Unmatched weighted position by the band Matched position in the zone Unmatched weighted position by Maturity band Long Short Long Short the zone 1 2 (interest rate ≥3%) 3 (interest rate <3%) 4 5 6 7 = 4 * 6 8 = 5 * 6 9 10 11 12 Zone 1

1. 0 ≤ 1 month 0 ≤ 1 month 0.00%

2. 1 ≤ 3 months >1 ≤ 3 months 0.20%

3. 3 ≤ 6 months >3 ≤ 6 months 0.40%

4. 6 ≤ 12 months >6 ≤12 months 0.70%
   I Matched weighted position in Zone 1 Zone 2

5. 1 ≤ 2 years >1 ≤ 1.9 years 1.25%

6. 2 ≤ 3 years >1.9 ≤ 2.8 years 1.75%

7. 3 ≤ 4 years >2.8 ≤ 3.6 years 2.25%
   II Matched weighted position in Zone 2 Zone 3

8. 4 ≤ 5 years >3.6 ≤ 4.3 years 2.75%

9. 5 ≤ 7 years >4.3 ≤ 5.7 years 3.25%

10. 7 ≤ 10 years >5.7 ≤ 7.3 years 3.75%

11. 10 ≤ 15 years >7.3 ≤ 9.3 years 4.50%

12. 15 ≤ 20 years >9.3 ≤ 10.6 years 5.25%

13. 20 years >10.6 ≤ 12 years 6.00%

14. 12 ≤ 20 years 8.00%

15. 20 years 12.50%
    III Matched weighted position in Zone 3 IV Matched weighted positions in all maturity bands V Matched weighted position between zones 1 and 2 VI Matched weighted position between zones 2 and 3 VII Matched weighted position between zones 1 and 3 VIII Residual unmatched weighted positions CAPITAL REQUIREMENTS FOR GENERAL RISK OF DEBT INSTRUMENTS

No.
SPECIFIC RISK Weight
(%)
Open position NET
POSITION
Weighted position
Maturity band Long Short
1 2 3 4 5=3-4 6=|5|*2

1. debt securities which would receive a 0% risk weight under the
   Standardised Approach for credit risk 0% 2.1. debt securities which would receive a 20% or 50% risk weight under the Standardised Approach for credit risk and other qualifying items as defined in Article 443 paragraph (4) of the Decision where the residual term to final maturity is six months or less 0.25% 2.2. where the residual term to final maturity is greater than six months and up to and including 24 months 1.00%
   2.3. where the residual term to
   maturity exceeds 24 months 1.60%
2. debt securities which would receive a 100% risk weight under the
   Standardised Approach for credit risk 8%
3. debt which would receive a 150% risk weight under the Standardised
   Approach for credit risk 12% CAPITAL REQUIREMENT FOR SPECIFIC RISK OF DEBT INSTRUMENTS TOTAL AMOUNT OF EXPOSURE TO SPECIFIC RISK ASSOCIATED WITH DEBT INSTRUMENTS

• The report shall be submitted by credit institutions that apply the maturity
  method.
  Note:

1. The credit institution shall fill in a separate table for each currency of the items exposed to price risk.

2. The value of positions (in columns 4 and 5) shall be calculated by discounting future cash flows of a security by applying a risk-free interest rate on the respective
   currency. Discounting is not mandatory for securities with a residual maturity of under one year, and for securities denominated in currencies for which there is no risk-free yield curve. In relation to these securities, their market values increased by accrued interest

3. In columns 10 and 12 (Unmatched positions by bands and zones) the values shall be entered with the underlying sign (where the long position amount exceeds
   the short position amount for that band or zone, the unmatched weighted position shall have a positive sign, that shall be omitted, and where the short position amount exceeds the long position amount for that band or zone, the unmatched weighted position shall have a negative sign that shall be entered before the amount). In all other columns the values shall be entered without sign, as positive numbers.

4. Total capital requirement shall be the sum of capital requirements on all currencies.

5. The calculated capital requirement shall be increased by 12.5.

6. Report on Market Risk: Standardised Approach for Position Risk in Equities (Template KZ-VI)
   General and specific risks of equity instruments (000 EUR) No. Position Net long position Net short position Total gross position Total net position 1 2 3 4 5=3+4 6=3-4 I Montenegro 0

7. Shares

8. Certificates of deposit

9. Stock exchange indices

10. Well-diversified stock exchange indices

11. Convertible securities

12. Financial derivatives relating to the shares or stock exchange
    indices

13. Investments in open investment funds

14. Other equity securities
    II Germany

15. Shares

16. Certificates of deposit

17. Stock exchange indices

18. Well-diversified stock exchange indices

19. Convertible securities

20. Financial derivatives relating to the shares or stock exchange
    indices

21. Investments in open investment funds

22. Other equity securities
    III

23. Shares

24. Certificates of deposit

25. Stock exchange indices

26. Well-diversified stock exchange indices

27. Convertible securities

28. Financial derivatives relating to the shares or stock exchange
    indices

29. Investments in open investment funds

30. Other equity securities
    IV

31. Shares

32. Certificates of deposit

33. Stock exchange indices

34. Well-diversified stock exchange indices

35. Convertible securities

36. Financial derivatives relating to the shares or stock exchange
    indices

37. Investments in open investment funds

38. Other equity securities
    V

39. Shares

40. Certificates of deposit

41. Stock exchange indices

42. Well-diversified stock exchange indices

43. Convertible securities

44. Financial derivatives relating to the shares or stock exchange
    indices

45. Investments in open investment funds

46. Other equity securities
    VI

47. Shares

48. Certificates of deposit

49. Stock exchange indices

50. Well-diversified stock exchange indices

51. Convertible securities

52. Financial derivatives relating to the shares or stock exchange
    indices

53. Investments in open investment funds

54. Other equity securities
    VII Total net/gross position of the credit institution (I + II + III+IV+V+VI) VIII CAPITAL REQUIREMENT for specific risk of equity instruments (8% of total gross position) IX CAPITAL REQUIREMENT for general risk of equity instruments (8% of total net position)

X=VIII+IX TOTAL CAPITAL REQUIREMENT FOR POSITION RISK BASED ON POSITIONS IN EQUITY INSTRUMENTS XI TOTAL AMOUNT OF EXPOSURE TO POSITION RISK IN EQUITIES

69.Report on Market Risk: Standardised Approaches for Foreign Exchange Risk (Template KZ-DR) (000 €) No. POSITION ALL POSITIONS NET POSITIONS "POSITIONS SUBJECT TO CAPITAL CHARGE (Including redistribution of unmatched positions in non-reporting currencies subject to special treatment for matched positions)" TOTAL NET OPEN POSITION CAPITAL REQUIREM ENT TOTAL FX RISK EXPOSU RE AMOUNT LONG SHORT LONG SHORT LONG SHORT MATCHED UNMATCHE D 1 2 3 4 5 6 7 8 9 10 11=7+8+9+1 0 12 13

1. TOTAL POSITIONS #NAME?
   1.1.
   Currencies closely correlated 1.1.1. of which: reporting currency (EUR)
   1.2. All other currencies
   1.3. CIUs
   1.4. Gold

BREAKDOWN OF TOTAL POSITIONS (REPORTING CURRENCY INCLUDED) BY EXPOSURE TYPES 2.1. Other assets and liabilities other than off-balance sheet items and derivatives
2.2. Off-balance sheet
items

2.3. Derivatives
3. FX POSITIONS
GROSS
POSITIONS NET POSITIONS
% Tier 1 capital
% Own funds LONG SHORT LONG SHORT
3.1. Euro
3.2. US Dollar
3.3. Australian Dollar
3.4. Pound Sterling
3.5. Yen
3.6. Canadian Dollar
3.7. Swiss Franc
3.8. Czech Koruna
3.9. Danish Krone
3.10. Iceland Krona
3.11. Norwegian Krone
3.12. Swedish Krona
3.13. Serbian Dinar
3.14.
Bosnia and
Herzegovina convertible mark
3.15. Bulgarian Lev

3.16. Croatian Kuna
3.17. Lek
3.18. Rumanian Leu
3.19. Turkish Lira
3.20. Zloty
3.21. Forint
3.22. Russian Ruble
3.23. Hryvnia
3.24. Argentine Peso
3.25. Brazilian Real
3.26. Dinar
3.27. Egyptian Pound
3.28. Hong Kong Dollar
3.29. Lithuanian Litas
3.30. Mexican Peso
3.31. New Taiwan Dollar
3.32. New Zealand Dollar
3.33. Singapore Dollar
3.34. Won

3.35. Other
4. TOTAL EUR
5.
TOTAL
CURRENCIES
CLOSELY
CORRELATED
6. TOTAL OTHER
CURRENCIES
7
TOTAL OTHER
CURRENCIES

70.Report on Capital Requirement for Settlement Risk (Template KZ-RP) (000 €) No. Position Unsettled transactions at agreed settlement price Price difference exposure due to unsettled transactions after the due settlement date Capital requirements Total settlement risk exposure amount 1 2 3 4 5 6 1 Total unsettled transactions in the Non-trading Book 0
1.1. Transactions unsettled up to 4 days (Factor 0%)
1.2. Transactions unsettled between 5 and 15 days (Factor 8%)
1.3. Transactions unsettled between 16 and 30 days (Factor 50
%)
1.4. Transactions unsettled between 31 and 45 days (Factor
75%)
1.5. Transactions unsettled for 46 days or more (Factor 100%)
2 Total unsettled transactions in the Trading Book 0
2.1. Transactions unsettled up to 4 days (Factor 0%)
2.2. Transactions unsettled between 5 and 15 days (Factor 8%)
2.3. Transactions unsettled between 16 and 30 days (Factor 50
%)
2.4. Transactions unsettled between 31 and 45 days (Factor
75%)
2.5. Transactions unsettled for 46 days or more (Factor 100%)

71.Report on Capital Requirement for Commodities Risk (Simplified Approach) (Template KZ-RR1) (000 €) No Type of commodities Standard measurement unit Long position Short position Net position Gross position Spot market price Capital requirement for net position Capital requirement for gross position Capital requirement 1 2 3 4 5 6 = 4 - 5 7 = 4+ 5 8 9 = 6 * 8 * 0.15 10 = 7 * 8 *
0.03 11 = 9 + 10
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
TOTAL CAPITAL REQUIREMENT
FOR COMMODITIES RISK
TOTAL COMMODITIES RISK
EXPOSURE AMOUNT
UNDER SIMPLIFIED APPROACH

72.Report on Capital Requirement for Commodities Risk (Maturity-Ladder Approach) (Template RR2) (000 €) No Maturity band Type of commoditie s Spot market price Long position Short position Matched position in maturity bands Unmatched position in maturity bands Matched position between maturity bands Unmatched position between maturity bands Residual unmatched position CAPITAL REQUIREMEN T 1 2 3 4 5 6 7 8 9 10 11

1. 0 ≤ 1 month

2. 1 ≤ 3 months

3. 3 ≤ 6 months

4. 6 ≤ 12 months

5. 1 ≤ 2 years

6. 2 ≤ 3 years

7. 3 years
   TOTAL FOR COMMODITIES
   1

8. 0 ≤ 1 month

9. 1 ≤ 3 months

10. 3 ≤ 6 months

11. 6 ≤ 12 months

12. 1 ≤ 2 years

13. 2 ≤ 3 years

14. 3 years
    TOTAL FOR COMMODITIES
    2

15. 0 ≤ 1 month

16. 1 ≤ 3 months

17. 3 ≤ 6 months

18. 6 ≤ 12 months

19. 1 ≤ 2 years

20. 2 ≤ 3 years

21. 3 years
    TOTAL FOR COMMODITIES
    3

22. 0 ≤ 1 month

23. 1 ≤ 3 months

24. 3 ≤ 6 months

25. 6 ≤ 12 months

26. 1 ≤ 2 years

27. 2 ≤ 3 years

28. 3 years
    TOTAL FOR COMMODITIES 4

29. 0 ≤ 1 month

30. 1 ≤ 3 months

31. 3 ≤ 6 months

32. 6 ≤ 12 months

33. 1 ≤ 2 years

34. 2 ≤ 3 years

35. 3 years
    TOTAL FOR COMMODITIES 5
    TOTAL CAPITAL REQUIREMENT FOR COMMODITIES RISK 0 TOTAL COMMODITIES RISK EXPOSURE AMOUNT UNDER MATURITY -LADDER APPROACH 0

73.Credit Valuation Adjustment Risk (Template CVA) (000 €) No. POSITION EXPOSURE AMOUNT CAPITAL REQUIREMENT TOTAL RISK EXPOSURE AMOUNT 1 2 3 4 5 1 CVA risk total 2 According to Advanced method 3 According to Standardised method 4 Based on original exposure method (OEM)

74.Counterparty Credit Risk: Exposures by Approaches (Template RDS) (000 €) APPROACH number of counterparti es number of transactio ns notional amount current market value, positive current market value, negative variation margin received variation margin paid net independe nt collateral amount (NICA) received net independ ent collateral amount (NICA) posted 1 2 3 4 5 6 7 8 9

1. Original exposure method (FOR
   DERIVATIVES)

SIMPLIFIED STANDARDISED
APPROACH FOR COUNTERPARTY
CREDIT RISK (FOR DERIVATIVES) 3.
STANDARDISED APPROACH FOR
COUNTERPARTY CREDIT RISK (FOR DERIVATIVES) 4. INTERNAL MODEL METHOD (IMM) (FOR DERIVATIVES AND FOR SECURITIES FINANCING TRANSACTIONS - SFT)
5. netting sets of SFTs
6. netting sets of derivatives and long
settlement transactions
7. from cross-product netting set
8. FINANCIAL COLLATERAL SIMPLE
METHOD (FOR SFTS)
9.
FINANCIAL COLLATERAL
COMPREHENSIVE METHOD (FOR - SFTS)

10. VAR FOR SFTS
11. TOTAL
    replace ment costs potenti al future exposu re current exposure effective expected positive exposure (eepe) α used to calculate regulatory exposure amount exposure amount before application of credit risk mitigation techniques exposure amount after application of credit risk mitigation techniques exposure amount risk weighted exposure amount positions treated under Standardise d Approach for credit risk positions treated under IRB Approach for credit risk positions treated under Standardi sed Approach for credit risk positions treated under IRB Approach for credit risk 10 11 12 13 14 15 16 17 18 19 20 21 22 1.4

75.Report on Financial Leverage (Template LEV) (000 €) No. POSITION ON-BALANCE SHEET EXPOSURES OFF-BALANCE SHEET EXPOSURES gross exposure value adjustments/ provisions net exposure gross exposure value adjustments/ provisions net exposure conversion factors exposure weighted by conversion 10% 20% 50% 100% factor I 1 2 3 4 5 6 7 8 9 10 11 12 1. exposures to central governments or central banks 2. exposures to regional governments or local authorities
3. exposures to public sector
entities
4. exposures to multilateral
development banks
5. exposures to international
organisations
6. exposures to institutions
7. exposures to corporates
8. retail exposures
9. exposures secured by
mortgages on residential property 10. exposures secured by mortgages on commercial property
11. exposures in default
12. exposures associated with
particularly high risk
13. exposures to institutions
and corporates with a short￾term credit assessment 14. exposures in the form of units or shares in collective investment undertakings (CIUs)
15. equity exposures
16. other items

17. TOTAL
    II POSITION AMOUNT
18. derivatives 0
    1.1. forwards
    1.2. futures
    1.3. swops
19. spot 0
    2.1. regular-way transaction
20. securities financing transactions (SFT) 0
    3.1. repo transactions
    3.2. other
    III TOTAL EXPOSURE AMOUNT 0 IV Tier 1 capital V FINANCIAL LEVERAGE RATIO #DIV/0!

76.Report on Investment in Fixed Assets and Immovable Property (Template OSN) (000 €) Fixed assets of the credit institution Amount

1. Land
2. Buildings
3. Investment properties
4. Plant and equipment
5. Hardware
6. Office equipment
7. Vehicles
8. Fixed assets under construction
9. Other fixed assets
10. Small inventory
11. Right of use property (leasing)
12. Total

Immovable property acquired through collection of receivables time elapsed since the property was acquired through collection of receivables (expressed in years) TOTAL <= 1 year

1 year
<= 2 years
2 years
<= 3 years
3
years
<= 4 years
4
years
<= 5 years
5
years
<= 6 years
6
years
<= 7 years
7 years
<= 8 years
8
years
<= 9 years
9
years
<= 10 years
10
years

1. factor for the treatment of
   investments in immovable property 0% 0% 0% 0% 30% 50% 75% 75% 75% 75% 75%
2. Land
3. Residential property
4. Commercial property
5. Plant and equipment
6. Vehicles
7. Buildings under construction
8. Other immovable property
9. Total
10. Treatment of investment in
    immovable property
11. Total amount of investment in
    immovable property and fixed assets 12. The amount exceeding the limitation of investments in immovable property and fixed assets

77.Report On Requirement for Insufficient Coverage of Non-Performing Exposures by Impairments (Template NP-NI) (000 €) No. Position time elapsed since the exposure has been classified as non-performing (expressed in years) Total <= 1 years

1 years
<= 2 years
2 years
<= 3 years
3 years
<= 4 years
4 years
<= 5 years
5 years
<= 6 years
6 years
<= 7 years
7 years
<= 8 years
8 years
<= 9 years
9 years
1 2 3 4 5 6 7 8 9 10 11 12 1. amount of insufficient coverage for non￾performing exposures (1=2-13) 2. total minimum coverage requirement for non-performing exposures (2=3+4) 3. minimum coverage requirement for unsecured
part of each non￾performing exposures
(3=6*7)

4. minimum coverage
   requirement for secured
   part of non-performing
   exposures (4=910+1112)
5. amount of non￾performing exposures
   (5=6+8)
6. unsecured part of each
   non-performing exposures
7. factor 0.35 1.00
8. secured part of non￾performing exposures
   (8=9+11)

part of non-performing
exposures secured by immovable property or that is a residential loan guaranteed by an eligible protection provider

10. factor 0.25 0.35 0.55 0.70 0.80 0.85 1.00

part of non
-performing exposures secured by other funded or unfunded credit protection
12. factor 0.25 0.35 0.55 0.80 1.00
EXISTING COVERAGE
13. total impairments,
valuation adjustments or deductions (after the application of restrictions ) 14. total impairments, value adjustments or deductions (without the application of restrictions) (14=15+16+17) 15. impairments and provisions for off -balance sheet items
16. additional value
adjustments (AVA)
17. other deductions from
own funds

78.Operational Risk: Losses and Recoveries by Business Lines and Event Types in the Last Year (Template OR-GUB) (000 €) No. POSITIONS EVENT TYPES total event types NOTE (MEMORANDUM ITEM): threshold applied in data collection internal fraud external fraud employmen t practices and workplace safety clients, products & business practices damage to physical assets busines s disrupti on and system failures execution , delivery & process managem ent lowest highest 1 2 3 4 5 6 7 8 9 10 11 12 1 Corporate finance
1.1. number of events (new events)
1.2. gross loss amount (new events)
1.3. number of events subject to loss
adjustments
1.4. loss adjustments relating to
previous reporting periods
1.5. maximum single loss
1.6. sum of the five largest losses
1.7. total direct loss recovery
1.8. total recovery from insurance and
other risk transfer mechanisms
2. Trading and sales
2.1. number of events (new events)
2.2. gross loss amount (new events)
2.3. number of events subject to loss
adjustments
2.4. loss adjustments relating to
previous reporting periods
2.5. maximum single loss
2.6. sum of the five largest losses
2.7. total direct loss recovery

2.8. total recovery from insurance and
other risk transfer mechanisms
3. Retail brokerage
3.1. number of events (new events)
3.2. gross loss amount (new events)
3.3. number of events subject to loss
adjustments
3.4. loss adjustments relating to
previous reporting periods
3.5. maximum single loss
3.6. sum of the five largest losses
3.7. total direct loss recovery
3.8. total recovery from insurance and
other risk transfer mechanisms
4. Commercial banking
4.1. number of events (new events)
4.2. gross loss amount (new events)
4.3. number of events subject to loss
adjustments
4.4. loss adjustments relating to
previous reporting periods
4.5. maximum single loss
4.6. sum of the five largest losses
4.7. total direct loss recovery
4.8. total recovery from insurance and
other risk transfer mechanisms
5. Retail banking
5.1. number of events (new events)
5.2. gross loss amount (new events)
5.3. number of events subject to loss
adjustments
5.4. loss adjustments relating to
previous reporting periods
5.5. maximum single loss
5.6. sum of the five largest losses

5.7. total direct loss recovery
5.8. total recovery from insurance and
other risk transfer mechanisms
6. Payment and settlement
6.1. number of events (new events)
6.2. gross loss amount (new events)
6.3. number of events subject to loss
adjustments
6.4. loss adjustments relating to
previous reporting periods
6.5. maximum single loss
6.6. sum of the five largest losses
6.7. total direct loss recovery
6.8. total recovery from insurance and
other risk transfer mechanisms
7. Agency services
7.1. number of events (new events)
7.2. gross loss amount (new events)
7.3. number of events subject to loss
adjustments
7.4. loss adjustments relating to
previous reporting periods
7.5. maximum single loss
7.6. sum of the five largest losses
7.7. total direct loss recovery
7.8. total recovery from insurance and
other risk transfer mechanisms
8. Asset management
8.1. number of events (new events)
8.2. gross loss amount (new events)
8.3. number of events subject to loss
adjustments
8.4. loss adjustments relating to
previous reporting periods
8.5. maximum single loss

8.6. sum of the five largest losses
8.7. total direct loss recovery
8.8. total recovery from insurance and
other risk transfer mechanisms
9. Corporate items
9.1. number of events (new events)
9.9. gross loss amount (new events)
9.3. number of events subject to loss
adjustments
9.4. loss adjustments relating to
previous reporting periods
9.5. maximum single loss
9.6. sum of the five largest losses
9.7. total direct loss recovery
9.8. total recovery from insurance and
other risk transfer mechanisms
10. Business lines
10.1.
Number of events (new events).
Of which:
10.1.1. related to losses ≥ 10,000
and < 20,000
10.1.2. related to losses ≥ 20,000
and < 100,000
10.1.3. related to losses ≥ 100,000
and < 1,000,000
10.1.4. related to losses ≥
1,000,000
10.2.
Gross loss amount (new events). Of which:
10.2.1. related to losses ≥ 10,000
and < 20,000
10.2.2. related to losses ≥ 20,000
and < 100,000
10.2.3. related to losses ≥ 100,000
and < 1,000,000

10.2.4. related to losses ≥
1,000,000
10.3.
Number of events subject to loss adjustments. Of which:
10.3.1. of which: number of events with
a positive loss adjustment 10.3.2. of which: number of events with a negative loss adjustment 10.4. Loss adjustments relating to previous reporting periods 10.4.1. of which: positive loss adjustment amounts (+) 10.4.2 of which: negative loss adjustment amounts (-)
10.5. Maximum single loss
10.6. Sum of the five largest losses
10.7. Total direct loss recovery
10.8.
Total recovery from insurance and other risk transfer mechanisms

79. Operational Risk: Large Loss Events (Template OR-DOG)
    (000 €)
    No. Event ID Date of accounting Date of occurrence Date of discover y Event Type Gross loss Gross loss net of direct recoveries GROSS LOSS BY BUSINESS LINE Corporate Finance Trading and Sales Retail Brokerage 1 2 3 4 5 6 7 8 9 10 11 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 total

Legal Entity name Legal
Commercial Entity ID
Banking
Retail
Banking
Payment and
Settlement
Agency
Services
Asset
Management
Corporate
Items
12 13 14 15 16 17 18 19

80.Other Financial and Business Receivables (Template BS-OA) (000 €) No Position Amount

1. 1601 Receivables on equity securities from custody operations with residents Dr
2. 1602 Receivables on debt securities from custody operations with residents Dr
3. 1603 Receivables on derivatives from custody operations with residents Dr
4. 1604 Receivables on custody operations with non-residents Dr
5. 1912 Receivables from agency activities Dr
6. 1913 Advance payments Dr
7. 1914 Other receivables on fees and commissions Dr
8. 1915 Maternity allowances / sick leave payments due from Government Dr
9. 1916 Amounts due from frozen FX deposits Dr
10. 1917 Suspense account Dr
11. 1918 Assets acquired based on collection of receivables Dr
12. 1922 Precious metals Dr
13. 1923 Cheques receivable Dr
14. 1924 Receivables from buyers Dr
15. 1925 Receivables on payment card operations Dr
16. 1926 Receivables from employees Dr
17. 1928 Other business receivables Dr
18. 1930 Prepaid expenses Dr
19. 1931 Other accrued, yet not collected income Dr
20. 1609 Value adjustments of receivables on custody operations Cr
21. 1929 Value adjustment of other assets (part 0400) Cr
22. Total amount – other assets (positions 1-19 – gross principle)
23. Total amount – other assets

81.Other Liabilities
(Template BS
-OO)
(000 €)
No Position Amount

1. 2201 Liabilities on custody operations with residents Cr
2. 2202 Liabilities on custody operations with non
   -residents Cr
3. 2907 Payables on agency activities Cr
4. 2908 Prepayment received Cr
5. 2909 Other tax payable Cr
6. 2910 Dividends payable Cr
7. 2911 Payroll: salaries Cr
8. 2912 Payroll: Pension and Disability Insurance Fund Cr
9. 2913 Payroll: Health Cr
10. 2914 Payroll: Unemployment Cr
11. 2915 Payroll: Other Cr
12. 2916 Payroll: local self
    -government unit, construction land Cr
13. 2917 Payroll: Court decisions Cr
14. 2918 Invoiced liabilities: suppliers Cr
15. 2919 Payables for fees and commissions Cr
16. 2920 Due to citizens for frozen foreign currency deposits Cr
17. 2921 Liabilities under financial lease (capital) Cr
18. 2922 Liabilities on payment cards Cr
19. 2925 Other liabilities Cr
20. 2929 Suspense account Cr
21. 2946 Deferrals: other Cr
22. 2947 Prepaid income Cr
23. 2948 Accrued expenses Cr
24. 2955 Deferrals of fees: other Cr
25. 2927 Lease liabilities Cr
26. Total amount of other liabilities

82.Statistical Data (Template BS-ST) (000 €) No AVERAGE VALUES Amount I BALANCE SHEET A ASSETS

1. Average amounts of total assets
2. Average amount of interest-bearing assets
3. Average amount of loans and lease receivables
   B LIABILITIES
4. Average amount of total liabilities
5. Average amount of interest-bearing liabilities
6. Average amount of interest-bearing deposits
   C CAPITAL
7. Average amount of total capital
8. Average amount of core capital
9. Average amount of share capital
   II NUMBER OF EMPLOYEES
10. Number of full time employees in the bank
11. Number of part time employees in the bank
12. Number of employees according to accomplished effective working hours
    III NUMBER OF ORGANISATIONAL UNITS IN BANKS
13. Branches
14. Sub-branches
15. Tellers
16. ATMs installed

83.Report on Elements of Credit Institution’s Trading Book (Template ETK) (000 €) No Instrument Financial instrument sign Long position Short position Total Share (%)* 1 2 3 4 5 6=4+5 7 I Shares 1. 2. 3. 4. 5. 6. 7.
8. Other shares
II Bonds
1.
2.
3.
4.
5.
6.
7.
8. Other bonds
III Futures contracts
1.
2.
3.
4.
5.
6.
7.
8. Other futures contracts
IV Forward agreements
1.
2.
3.
4.
5.
6.
7.
8. Other forward agreements
V Swap agreements
1.
2.
3.

8. Other swap agreements
   VI Options

16. Other options
    VII Exposures based on repurchase agreements and securities lending agreements 1. 2. 3. 4. 5. 6. 7. 8. Other exposures based on repurchase agreements and securities lending agreements VIII Exposures based on reverse repurchase agreements and securities borrowing agreements 1. 2. 3. 4. 5. 6. 7. 8. Other exposures based on reverse repurchase agreements and securities borrowing agreements IX Credit derivatives 1. 2. 3. 4.

20. Other credit derivatives
    X Commodities

28. Other commodities
    XI Commodity derivatives

36. Other commodity derivatives
    XII Exposures on unsettled transactions 1. 2. 3. 4. 5. 6. 7.

37. Other exposures on unsettled transactions
    XIII Exposures on free deliveries 1.

44. Other exposures on free deliveries
    XIV Exposures on long settlement transactions 1.

51. Other exposures on long settlement
    transactions
    XV Exposures on securities financing transactions (SFT) 1. 2. 3. 4. 5. 6. 7.

52. Other exposures on securities financing
    transactions (SFT)
    XVI Positions based on underwriting of financial instruments 1. 2. 3. 4. 5. 6. 7.

53. Other positions based on underwriting of
    financial instruments
    XVII Other exposures
    XVIII TOTAL (sum of the positions I - XVIII)

• The share of amount in column 6 in the sum of this column (position under XVIII in the column 6).

84.Report on Daily Balance of Credit Institution’s Trading Book and Credit Institution’s Total Activities (Template DTK) (000 €) Day in the reporting month Trading book Share of trading book in credit institution’s total activities (in %) 1 2 3=2/II 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31.

Note:

• Share of trading book in credit institution’s total activities is obtained as the ratio between market value of trading book in EUR (amount in
  column 2 of part I of this Template) on specific day and total activities of the credit institution on the last working day of the previous month (amount from the part II of this Template). II Total activities of the credit institution on the last working day of the previous month III Total activities of the credit institution on the last working day of the current month (1. + 2. + 3.)

1. Net carrying amount of on-balance sheet assets
2. Carrying amount of off-balance sheet items reduced by provisions for losses on off-balance sheet
   assets and multiplied by credit conversion factors
3. Potential exposure or original exposure to credit risk of derivatives not traded at stock exchange market

85.Report on Interest Rate Risk (Template RKS) (000 €) I RATE SENSITIVE ASSETS 1-30 days 31-90 days 91-180 days 181-365 days over 1 year Total

1. Interest-bearing deposits in other institutions
2. Interest-bearing securities
3. Loans and other receivables
4. Other sensitive assets
   Total
   % of total interest-bearing assets II RATE SENSITIVE LIABILITIES 1-30 days 31-90 days 91-180 days 181-365 days over 1 year Total
5. Interest-bearing deposits
6. Interest-bearing borrowings
7. Subordinated debt and bonds
8. Other sensitive liabilities
   Total
   % of total interest-bearing liabilities III GAP 1-30 days 31-90 days 91-180 days 181-365 days over 1 year Total
9. GAP amount - (I) less (II) - Positive/Negative
10. Cumulative gap - Positive/Negative
    Cumulative gap / Total assets

86.Report on Structure of Loans and Other Receivables by Production Lines (Template SPL) (000 €) A) Gross loans B) Other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL No. Loan purpose 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) 1 Loans to legal persons 2 Loans to natural persons and entrepreneurs 3 Credit cards 4 Residential loans 5 Lombard loans 6 Other 7 TOTAL E Interest receivables and value adjustments of interest receivables F Accrued interests and fees and value adjustments No. Summary Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL A Gross loans * B Other receivables C Value adjustment of gross loans * D Value adjustment of other receivables E Interest receivables and value adjustments of interest receivables F Accrued interests and fees and value adjustments G TOTAL (A+B-C-D+E+F) *

C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL 11 12 13 14 15 (11+12+13+14) 16 17 18 19 20 (16+17+18+19)

87.Report on Loan Classification by Holders (Template NKN) (000 €) A B C Loans* Loans and receivables Loans* Loans and receivables Loans* Loans and receivables No. Holders 1 2 3 4 5 6 1 Credit institutions, residents 2 Credit institutions, non-residents 3 Other credit institutions, residents 4 Other credit institutions, non-residents 5 Financial institutions, residents 6 Financial institutions, non-residents 7 Undertakings engaged in financial activity, residents 8 Undertakings engaged in financial activity, non-residents 9 Private funds, residents 10 Private funds, non-residents 11 State undertakings engaged in non-financial activity 12 Private undertakings engaged in non-financial activity 13 Undertakings - non-residents 14 Entrepreneurs 15 Government of Montenegro 16 Other beneficiaries of the Budget of Montenegro 17 Regulatory agencies 18 State funds 19 Local self-government units 20 Public services of local self-government units 21 Non-government and other non-profit organisations, residents 22 Non-government and other non-profit organisations, non-residents 23 Natural persons, residents 24 Natural persons, non-residents 25 Credit cards, natural persons, residents 26 Credit cards, natural persons, non-residents 27 Credit cards, others, residents 28 Credit cards, others, non-residents 29 Other 30 Total 0 31 Interest payables and accruals and prepayments on loans and receivables 32 Total (30+31) 0 31 Value adjustments 0 D E From the column Total loans and receivables distribute by currencies:

Loans*
Loans and receivables

Loans*
Loans and receivables

Total loans Total loans and receivables NPLs NPLs and receivables EUR 000 CHF 000 USD 000 Other 000 7 8 9 10 11 (1+3+5+7+9) 12 (2+4+6+8+10) 13 (5+7+9) 14 (2+4+6+8+10) 15 16 17 18

88.Report on Loan Classification by Industries (Template NKD) (000 €) A B C Loans* Loans and receivables Loans* Loans and receivables Loans* Loans and receivables No. Industry 1 2 3 4 5 6 I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturing industry 4 Electricity supply 5 Water supply 6 Construction 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodation and food services 10 Information and communication 11 Financial and insurance activities 12 Real estate business 13 Professional, scientific and technical activities 14 Administrative and support service activities 15 Public administration, defence and compulsory social insurance 16 Education 17 Health and social welfare 18 Art, entertainment and recreational activities 19 Other service activities 20 Activities of households as employers 21 Activities of extra-territorial organisations and bodies II Legal persons, non-residents III Households, residents IV Households, non-residents
22. Total (I+II+III+IV)
23. Interest payables and accruals and
prepayments on loans and receivables
24. Total (I+II+III+IV)+23

31 Value adjustments
D E
From the column 12: Distribute total loans and receivables by currencies Loans* Loans and receivables

Loans*
Loans and receivables

Total loans
Total loans and receivables TOTAL NPLs TOTAL NPL loans and receivables 000 EUR 000 CHF 000 USD 000 other 7 8 9 10 11 (1+3+5+7+9) 12 (2+4+6+8+10) 13 (5+7+9) 14 (2+4+6+8+10) 9 10 11 12

89.Report on Restructured Loans by Holders (Template PRK UK1) (000 €) Extension of repayment period for principal or interest Decline in interest rate on loan granted Assumption of the debtor's receivables to third party Reduction of the amount of debt, principal or interest Credit institution Loan s Intere st Oth er Collater al Tot al Loan s Intere st Oth er Collater al Tot al Loan s Intere st Oth er Collater al Tot al Loan s Intere st Oth er Collater al Tot al 1 Credit institutions, residents 2 Credit institutions, non-residents 3 Other credit institutions, residents 4 Other credit institutions, non-residents 5 Financial institutions, residents 6 Financial institutions , non-residents 7 Undertakings engaged in financial activity, residents 8 Undertakings engaged in financial activity, non￾residents 9 Private funds, residents 1 0 Private funds, non-residents 1 1 State undertakings engaged in non-financial activity 1 2 Private undertakings engaged in non-financial activity 1 3 Undertakings - non-residents 1 4 Entrepreneurs

1
5
Government of
Montenegro
1
6
Other beneficiaries of the Budget of Montenegro 1 7 Regulatory agencies 1 8 State funds 1 9 Local self￾government units 2 0 Public services of local self￾government units 2 1 Non￾government and other non￾profit organisations, residents 2 2 Non￾government and other non￾profit organisations, non-residents 2 3 Natural persons, residents 2 4 Natural persons, non￾residents 2 5 Credit cards, natural persons, residents 2 6 Credit cards, natural persons, non￾residents 2 7 Credit cards, others, residents 2 8 Credit cards, others, non￾residents 2 9 Other 3 0 Total

3
1
Value adjustments
Capitalisation of interest on loan granted to debtor Replacement of the existing loan(s) by new loan Similar benefits facilitating debtor’s financial position Credit institution Loans Interest Other Collateral Total Loans Interest Other Collateral Total Loans Interest Other Collateral Total TOTAL 1 Credit institutions, residents 2 Credit institutions, non-residents 3 Other credit institutions, residents 4 Other credit institutions, non-residents 5 Financial institutions, residents 6 Financial institutions , non-residents 7 Undertakings engaged in financial activity, residents 8 Undertakings engaged in financial activity, non-residents 9 Private funds, residents 10 Private funds, non-residents 11 State undertakings engaged in non￾financial activity 12 Private undertakings engaged in non￾financial activity 13 Undertakings - non-residents 14 Entrepreneurs 15 Government of Montenegro 16 Other beneficiaries of the Budget of Montenegro 17 Regulatory agencies 18 State funds 19 Local self-government units 20 Public services of local self-government units 21 Non-government and other non-profit organisations, residents 22 Non-government and other non-profit organisations, non-residents 23 Natural persons, residents 24 Natural persons, non-residents 25 Credit cards, natural persons, residents 26 Credit cards, natural persons, non￾residents 27 Credit cards, others, residents 28 Credit cards, others, non-residents

29 Other
30 Total
31 Value adjustments for total restructured loans

90.Report on Restructured Loans by Industries (Template PRK UK2) (000 €) Extension of repayment period for principal or interest Decline in interest rate on loan granted Assumption of the debtor's receivables to third party Reduction of the amount of debt, principal or interest No Credit institution Loan s Intere st Othe r Collater al Tot al Loan s Intere st Othe r Collater al Tot al Loan s Intere st Othe r Collater al Tot al Loan s Intere st Othe r Collater al Tot al I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturin g industry 4 Electricity supply 5 Water supply 6 Construction 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodati on and food services 1 0 Information and communicati on 1 1 Financial and insurance activities 1 2 Real estate business 1 3 Professional, scientific and technical activities 1 4 Administrativ e and support service activities 1 5 Public administratio

n, defence and compulsory social insurance 1 6 Education 1 7 Health and social welfare 1 8 Art, entertainment and recreational activities 1 9 Other service activities 2 0 Activities of households as employers 2 1 Activities of extra￾territorial organisations and bodies II Legal persons, non￾residents III Households, residents IV Households, non￾residents * Total (I+II+III+IV) Capitalisation of interest on loan granted to debtor Replacement of the existing loan(s) by new loan Similar benefits facilitating debtor’s financial position No. Credit institution Loans Interest Other Collateral Total Loans Interest Other Collateral Total Loans Interest Other Collateral Total TOTAL I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturing industry 4 Electricity supply 5 Water supply 6 Construction

7
Wholesale and retail trade, and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodation and food services 10 Information and communication 11 Financial and insurance activities 12 Real estate business 13 Professional, scientific and technical activities 14 Administrative and support service activities 15 Public administration, defence and compulsory social insurance 16 Education 17 Health and social welfare 18 Art, entertainment and recreational activities 19 Other service activities 20 Activities of households as employers 21 Activities of extra-territorial organisations and bodies II Legal persons, non￾residents III Households, residents IV Households, non-residents

• Total (I+II+III+IV)

91.Report on Past Due Loans and Receivables from Credit Institutions and Other Clients by Industries (Template BSK2) (000 €) A) Deposits with credit institutions and other depository institutions* B) Gross loans * loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total A loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total B No. Industry 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) I Legal persons, residents 1 Agriculture, forestry and fishing 2 Mining and quarrying 3 Manufacturing industry 4 Electricity supply 5 Water supply 6 Construction 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles 8 Transport and warehousing 9 Accommodation and food services 10 Information and communication 11 Financial and insurance activities 12 Real estate business 13 Professional, scientific and technical activities 14 Administrative and support service activities 15 Public administration, defence and compulsory social insurance 16 Education 17 Health and social welfare 18 Art, entertainment and recreational activities 19 Other service activities 20 Activities of households as employers 21 Activities of extra-territorial organisations and bodies

II Legal persons, non
-residents
III Households, residents
IV Households, non
-residents

• Total (I+II+III+IV)
  0
  G
  Interest receivables and value adjustment of interest receivables H Accruals and prepayments of interests and fees and value adjustment

C) Factoring and forfaiting * D) Other receivables * loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total C loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total D 11 12 13 14 15 (11+12+13+14) 16 17 18 19 20 (16+17+18+19)

E) Value adjustment of gross loans F) Value adjustment of other receivables from credit institutions and other clients loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total E loans 31-90 days past due loans 91- 270 days past due loans 271- 365 days past due loans over 365 days past due Total F 21 22 23 24 25 (21+22+23+24) 26 27 28 29 30 (26+27+28+29)

loans 31-90 days past due loans 91-270 days past due loans 271-365 days past due loans over 365 days past due TOTAL No. Summary A Deposits with credit institutions and other depository institutions B Gross loans C Factoring and forfaiting D Other receivables E Value adjustment of gross loans F Value adjustment of other receivables from credit institutions and other clients G Interest receivables and value adjustment of interest receivables H Accruals and prepayments of interests and fees and value adjustment I TOTAL (A+B+C+D-E-F+G+H) *

92.Report on Loans Subject to Statutory Procedure for the Collection of Receivables (Template ZPN) (000 €) No Description of collateral Amount approved Amount of debt Interest rate Appraised value of collateral Total 1 2 3 4 5 6 7=4+5-6 I Mortgage 1. 2. 3. 4.
5. Other
II Fiduciary
1.
2.
3.
4.
5. Other
III Pledge
1.
2.
3.
4.
5. Other
IV Guarantor
1.
2.
3.
4.
5. Other
V Bill of exchange
1.
2.
3.
4.
5. Other
Total

93.Report on Structure of Loans by Collateral (Template SKK) (000 €) Appraised amount of collateral LOAN AMOUNT No Collateral Total amount of loan (A+B+C+D+E) Of which classified in category A Of which classified in category B Of which classified in category C Of which classified in category D Of which classified in category E 1 2 3 4

1. Cash deposit
2. Mortgage or fiduciary on immovable properties
   2.1. Residential properties in Montenegro
   2.2. Commercial properties
   2.2.1. Commercial properties in Montenegro
   2.2.2. Commercial properties outside Montenegro
   2.3. Other types of properties

Pledge on securities, movables and other
3.1. Pledge on movables
3.2. Pledge on securities
3.2.1.
Securities issued by governments or central banks of OECD countries 3.2.2. Money market instruments issued in the developed financial markets
3.2.3. Other types of securities
3.3. Pledge on other
4. Sureties and guarantees
4.1. Guarantees of the Government of Montenegro
4.2.
Guarantees of governments and central banks of OECD countries
4.3. Guarantees of banks with the rating A or higher
4.4. Other types of sureties and guarantees
5. Bills of exchange of loan beneficiaries
6. Guarantors
7. Insurance policies tied in favour of the bank
8. Other
9 Bills of exchange of loan beneficiaries

OTHER ON-BALANCE SHEET RECEIVABLES AMOUNT OFF-BALANCE SHEET LIABILITIES AMOUNT Total amount of other on￾balance sheet receivables (A+B+C+D+E) Of which classified as in category A Of which classified in category B Of which classified as in category C Of which classified in category D Of which classified in category E Total amount of off-balance sheet liabilities (A+B+C+D+E) Of which classified in category A Of which classified in category B Of which classified in category C Of which classified in category D Of which classified in category E 5 6

TOTAL EXPOSURE AMOUNT
Total exposure amount
(A+B+C+D+E)
Of which classified as in category A Of which classified in category B Of which classified as in category C Of which classified in category D Of which classified in category E 7

94.Report on Subordinated Debt (Template SUB) (000 €) No Creditor Country of origin Approval date Original amount Maturity date Interest rate Balance as at 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. Total 0 0

95.Changes in Reserves, Provisions and Value Adjustments (Template M-BS_PR) (000 €) No. Date Balance of the account #3025 Calculated regulatory loss provisions Value adjustment for balance sheet items and provisions for off￾balance sheet items Required regulatory reserves from income for estimated losses Lacking amount of reserves * Sources of coverage of lacking amount of reserves at year-end Balance of account #3025 at year-end Current year income 1 2 3 4 5 6 =4-5 7 8 9=3+8 1 1 January 2 31 March 3 30 June 4 30 September 5 31 December NOTE:

• Show lacking amount of reserves by individual sub-accounts for given quarters (sum of lacking
  amounts of reserves from the Templates KA1 and KA2)

96.Report on Credit Institution’s Shareholders (Template AB) (000 €) No Shareholder (by size of its share) MB JMBG Foreign person/Country of origin Number of shares Amount % of share Qualifying holding Basis for qualifying holding* Common Preferred Common Preferred 1 2 3 4 5 6 7 8 9 10 11 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50 Others
Total

97.Report on Large Exposures of a Credit Institution to One Person or a Group of Connected Persons (Template VI-G) (000 €) COUNTERPARTY ORIGINAL EXPOSURES No. Code Name of person or a group of connected persons Type of counter party individual or a group (1- individual ; 2- group ) Type of connectio n (1 - control; 2 - interconne ctedness, N – not connected ) Transac tions where there is an exposur e to underlyi ng assets Total original exposur e Direct exposures Of which:
defaulted
Debt instrument s
Equity instrument s
Derivati ves
Off balance sheet items
Loan commit ments
Guarant ees and other sureties Other commitme nts 1 2 3 3a 4 4a 5 6=Σ(8:20 ) 7 8 9 10 11 12 13 1 0 2 0 3 0 4 0 5 0 6 0 7 0 8 0 9 0 10 0 11 0 12 0 13 0 14 0 15 0 16 0

17
0
18
0
19
0
20
0
21
0
22
0
23
0
24
0
25
0
26
0
27
0
28
0
29
0
30
0
31
0
32
0
33
0
34
0
35
0
36
0
37
0
38
0
39
0
40
0
41
0
42
0
43
0
44
0
45
0
46
0
47
0
48
0

49
0
50
0
51 other
0
52 total
0
53 total amount and number of other large exposure s (>10% SSB) 54 total amount and number of other large exposure s (>10% <25% SSB) 55 amount and number of exposure s over 25% of credit institutio n's own funds

(-) Value adjustments
/ provisions
(-)
Exposures that are deductible item from CET1 or Additional Tier 1 capital Type of exposures that are deductible item from CET1 or Additional Tier 1 capital Exposure value before application of exemptions and credit risl mitigation techniques (CRM)

Indirect exposures Additional exposures arising from transactions where there is an exposure to underlying assets Debt instruments Equity instruments Derivatives Off balance sheet items Total Of which:
Non-trading book % Tier 1 capital Loan commitments Guarantees and other sureties Other commitments 14 15 16 17 18 19 20 21 22 23 24=6-21- 22 25 26 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00%
0 0.00%
0 0.00%
0 0.00%
0 0.00%
0 0.00%
0 0.00%
0 0.00%
0 0.00% amount VI >10% SSB % credit institution's own funds for VI >10% credit institution's own funds amount VI >10% <25% SSB % credit institution's own funds for VI >10% <25% credit institution's own funds amount VI >25% SSB % credit institution's own funds for VI >25% credit institution's own funds

ELIGIBLE CREDIT RISK MITIGATION (CRM) TECHNIQUES (-) Amounts exempted Type of exemption Exposure value after application of exemptions and credit risk mitigation techniques (CRM) (-) Substitution effect of eligible credit risk mitigation techniques (-) Funded credit protection other than substitution effect (deducted from exposure) (-) Debt instrument s (-) Equity instrument s (-) Derivati ves (-) Off balance sheet items Total Of which:
Non-trading book % Tier 1
(-) Loan capital commitm ents Guarante es and other sureties (-) Other commitment s 27 28 29 30 31 32 33 34 35 36=24-Σ(27:34) 38 39 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% number VI >10% credit institution 's own funds amount VI >10% SSB % SSB for VI >10% SSB number VI >10% SSB number VI >10% <25% credit institution 's own funds amount VI >10% <25% credit institution's own funds % credit institution's own funds for VI >10% <25% credit institution's own funds number VI >10% <25% credit institution' s own funds number VI >25% credit institution 's own funds amount VI >25% credit institution's own funds % credit institution's own funds for VI >25% credit institution's own funds number VI >25% credit institution' s own funds

98.Report on Large Exposures of a Credit Institution – Overview of Persons Constituting a Group of Connected Persons (Template VI-P-IZL) (000 €) COUNTERPARTY ORIGINAL EXPOSURES No. Code Name of person or a group of connected persons Type of counterpart y Individual or a group (1- individual; 2- group ) Type of connection (1 - control; 2 - interconnectedn ess, N – not connected) Total original exposure Direct exposures Of which:
defaulted
Debt instrum ents
Equity instrum ents
Derivati ves
Off-balance sheet items
Loan commitm ents
Guarante es and other sureties Other commit ments 1 2 3 3a 4 5 6=Σ(8:20) 7 8 9 10 11 12 13 1 0 2 0 3 0 4 0 5 0 6 0 7 0 8 0 9 0 10 0 11 0 12 0 13 0 14 0 15 0 16 0

17
0
18
0
19
0
20
0
21
0
22
0
23
0
24
0
25
0
26
0
27
0
28
0
29
0
30
0
31
0
32
0
33
0
34
0
35
0
36
0
37
0
38
0
39
0
40
0
41
0
42
0
43
0
44
0
45
0
46
0
47
0
48
0

49
0
50
0
51
0
52
0
53
0
54
0
55
0
56
0
57
0
58
0
59
0
60
0
61
0
62
0
63
0
64
0
65
0
66
0
67
0
68
0
69
0
70
0

(-) Value adjustme nts /and provision s (-) Exposures that are deductible item from CET1 or Additional Tier 1 capital Type of exposures that are deductible item from CET1 or Additional Tier 1 capital Exposure value before application of exemptions and credit risk mitigation techniques (CRM) Indirect exposures Additional exposures arising from transactions where there is an exposure to underlying Debt assets instruments Equity instrume nts Derivativ es Off balance sheet items Total Of which:
Non-trading book % Tier 1
Loan capital commit ments
Guarante es and other sureties Other commit ments 14 15 16 17 18 19 20 21 22 23 24=6-21-22 25 26 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

ELIGIBLE CREDIT RISK MITIGATION (CRM) TECHNIQUES (-) Amounts exempted Type of exemption Exposure value after application of exemptions and credit risk mitigation techniques (CRM) (-) Substitution effect of eligible credit risk mitigation techniques (-) Funded credit protection other than substitution effect (deducted from exposure) (-) Debt instruments (-) Equity instruments (-) Derivativ es (-) Off balance sheet items Total Of which:
Non￾trading book
% Tier
(-) Loan 1capital commitmen ts (-) Guarantees and other sureties (-) Other commitm ents 27 28 29 30 31 32 33 34 35 36=24- Σ(27:34) 38 39 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00%

99.Report on Doing Business with Persons Connected with a Credit Institution (Template PPL) (000 €) No. name of connected person Code basis for connection RECEIVABLES FROM CONNECTED PERSONS gross loans deposits given (funds) factoring leasing a property or equipment receivables on services provided receivables on assets sold investments 1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 other 32 TOTAL

other on￾balance sheet receivables of which:
exposure that is past due guarantees given undrawn credit facilities other off-balance sheet receivables indirect exposure on posted collaterals TOTAL EXPOSURE classification adjustments provisions 11 12 13 14 15 16 17 18 19 20

OBLIGATIONS TOWARDS CONNECTED PERSONS amount of borrowing taken deposits received use of property or equipment obligations on services provided obligations on purchased assets other obligations TOTAL OBLIGATIONS 21 22 23 24 25 26 27