Report on the Balance and Turnover of Funds at Accounts

/MFI’s name/ / ID number / REPORT ON THE BALANCE AND TURNOVER OF THE FUNDS AT THE ACCOUNTS FORM DATA 1 ASSETS Cash and cash equivalents 1001 Cash in vault 1002 Cash in ATMs 1003 Cash in transit 1004 Damaged banknotes and coins 1007 Items for collection: Payment cards 1008 Items for collection: Other 1009 Funds held with banks abroad (demand deposits) 1010 Settlement account held with the Central Bank of Montenegro 1012 Other cash 1013 Coverage under letters of credit with foreign banks 1014 Coverage under guarantees with foreign banks 1015 Client’s funds from custody operations 1019 Value adjustments of cash and cash equivalents Deposits with central banks 1103 Central Bank of Montenegro - non-interest bearing 1104 Central Bank of Montenegro - interest bearing 1107 Other central banks - non-interest bearing 1108 Other central banks - interest bearing 1109 Value adjustment of deposits with central banks Deposits with banks and other depository institutions 1120 State banks, residents – non-interest bearing 1121 State banks, residents – interest bearing 1122 State banks, residents –interest bearing (overnight) 1124 Private banks, residents - non-interest bearing 1125 Private banks, residents - interest bearing 1126 Private banks, residents - interest bearing (overnight) 1127 Funds at the account, domestic 1128 Banks/other depository institutions, non-residents – non-interest bearing (time deposits) 1129 Banks/other depository institutions, non-residents – interest bearing (time deposits) 1130 Banks/other depository institutions, non-residents –interest bearing (overnight) 1131 Banks/other depository institutions (parent bank and other members of the banking group), non residents –interest bearing (time deposits) 1132 Other state depository institutions, residents – non-interest bearing 1133 Other state depository institutions, residents – interest bearing 1134 Other state depository institutions, residents – interest bearing (overnight) 1136 Other private depository institutions, residents – non-interest bearing 1137 Other private depository institutions, residents – interest bearing 1138 Other private depository institutions, residents – interest bearing (overnight) 1140 Other - non-interest bearing 1141 Other - interest bearing 1149 Value adjustments of deposits with banks and other depository institutions Purchase and resell operations 1151 Securities purchased under agreement to resell 1159 Value adjustments of purchase and resell operations Derivative financial assets held for trading (fair value) 1160 Financial derivatives (instruments held for trading), residents 1161 Contracts related to interest rates, non-residents 1162 Contracts related to foreign exchange rate and equity securities, non-residents 1163 Other contracts that meet the definition of derivatives under IAS 39, non-residents Derivative financial assets used as hedging instrument (fair value) 1164 Financial derivatives (instruments used as security), residents 1165 Contracts related to interest rates, non-residents 1166 Contracts related to foreign exchange rate, non-residents 1167 Contracts related to equity securities, non-residents 1168 Other contracts that meet the definition of derivatives under IAS 39, non-residents Trading Securities 1170 Shares: non-residents 1171 Instruments other than stocks: Government of Montenegro 1172 Instruments other than stocks: Local self-government units 1173 Shares of companies that are engaged in financial activities: residents

1174 Shares of companies that are engaged in non financial activities: residents 1175 Instruments other than stocks – Others: residents 1176 Instruments other than stocks: non-residents 1177 Non amortized discount 1178 Non amortized premiums Securities carried at fair value through profit or loss 1180 Securities carried at fair value through profit or loss Available for sale securities 1190 Shares: non-residents 1191 Instruments other than stocks: Government of Montenegro 1192 Instruments other than stocks: Local self-government units 1193 Shares of companies engaged in financial activities: residents 1194 Shares of companies engaged in non-financial activities: residents 1195 Instruments other than stocks – Others: residents 1196 Instruments other than stocks: non residents 1197 Non amortized discount 1198 Non amortized premiums 1199 Value adjustments of available for sale securities Loans to banks and other depository institutions, financial institutions and companies engaged in financial activity 1201 Central Bank of Montenegro 1202 Other central banks 1203 State banks, residents 1204 Private banks, residents 1205 Banks / Other depository institutions, non-residents 1206 Other state depository institutions, residents 1207 Other private depository institutions, residents 1208 Other financial institutions, residents 1210 Other financial institutions, non-residents 1211 Insurance/reinsurance companies, residents 1212 Insurance/reinsurance companies, non-residents 1213 Companies engaged in finance lease activities, residents 1214 Companies engaged in finance lease activities, non-residents 1215 Companies engaged in brokerage activities at capital market, residents 1216 Companies engaged in brokerage activities at capital market, non-residents 1219 Value adjustments of loans to banks and other depository institutions, financial institutions and companies engaged in financial activity Loans to non-financial sector 1251 State companies, residents 1253 State companies, non-residents 1254 Local self-government public services 1256 Employees 1257 Non-government and other non-profit organisations: non-residents 1258 Non-government and other non-profit organisations: residents 1261 Private companies, residents 1262 Entrepreneurs 1264 Natural persons, residents 1265 Natural persons, non-residents 1266 Payment cards, residents 1267 Payment cards, non-residents 1268 Other 1269 Value adjustments of loans to non-financial sector Loans to the Government, other Budget of Montenegro beneficiaries, local-self government units and regulatory agencies 1271 Government of Montenegro 1272 Local self-government units 1273 Other Budget of Montenegro beneficiaries 1278 Regulatory agencies 1279 Value adjustments of loans to the Government, other Budget of Montenegro beneficiaries, local-self government units and regulatory agencies Loans to Funds 1281 Investment and Development Fund of Montenegro 1282 Employment Agency of Montenegro 1283 Health insurance fund of Montenegro 1284 Pension and Disability Fund of Montenegro

1285 Voluntary pension funds, residents 1286 Funds, non-residents 1287 Investment funds, residents 1288 Other Funds, residents 1289 Value adjustments of loans to Funds Trade loans (securitization) 1291 Trade loans (securitization) Servicing rights 1301 Servicing rights 1302 Accumulated amortization of servicing rights 1309 Valuation reserves for servicing rights Held-to-maturity securities 1401 Instruments other than stocks: Government of Montenegro 1402 Instruments other than stocks: Local self-government units 1404 Instruments other than stocks: Other residents 1405 Instruments other than stocks: Non residents 1407 Non amortized discount 1408 Non amortized premiums 1409 Value adjustments of held-to-maturity securities Factoring and forfaiting 1411 Purchase of receivables (factoring) 1412 Purchase of receivables (forfaiting) 1419 Value adjustments of factoring and forfaiting Equity investments (significant influence) 1451 Equity investments in entities engaged in financial activities, residents 1452 Equity investments in entities engaged in non-financial activities, non-residents 1453 Equity investments, non-residents 1459 Value adjustments of equity investments (significant influence) Investments in Subsidiaries (Control) 1471 Equity investments in subsidiaries engaged in financial activities, residents 1472 Equity investments in subsidiaries engaged in non-financial activities, non-residents 1473 Equity investments in subsidiaries, non-residents 1479 Value adjustments of equity investments in subsidiaries (control) Joint ventures 1481 Interests in jointly controlled entity engaged in financial activity, residents 1482 Interests in jointly controlled entity engaged in non-financial activity, residents 1483 Joint ventures, non-residents 1489 Value adjustments of joint ventures Bank receivables on acceptances, guarantees and bills of exchange outstanding 1500 Banks, residents 1501 Banks, non-residents 1502 Companies, residents 1503 Government of Montenegro 1504 Other beneficiaries of the Budget of Montenegro 1505 Local self-government units 1506 Public services of local self-government units 1507 Other depository institutions/other financial institutions/companies engaged in financial activity, residents 1508 Other depository institutions/other financial institutions/companies dealing with financial activity, non-residents 1509 Companies, non-residents 1510 Entrepreneurs 1511 Natural persons, residents 1512 Natural persons, non-residents 1513 Other 1519 Value adjustments of bank receivables on acceptances, guarantees and bills of exchange outstanding Receivables from custody operations 1601 Receivables on equity securities from custody operations with residents 1602 Receivables on debt securities from custody operations with residents 1603 Receivables on derivatives from custody operations with residents 1604 Receivables on custody operations with non-residents 1609 Value adjustments of receivables on custody operations Non-current assets held for sale 1710 Non-current assets held for sale – property, plant and equipment

1711 Non-current assets held for sale – investment property 1712 Non-current assets held for sale – other 1719 Value adjustments of non-current assets held for sale Fixed assets 1801 Land 1803 Buildings 1804 Depreciation of buildings 1805 Investment properties 1806 Depreciation of investment properties 1807 Plan and equipment 1808 Depreciation of plant and equipment 1809 Hardware 1810 Depreciation of hardware 1811 Office equipment 1812 Depreciation of office equipment 1813 Vehicles 1814 Depreciation of vehicles 1815 Other fixed assets 1816 Depreciation of other fixed assets 1817 Small inventory 1818 Depreciation of small inventory 1830 Fixed assets under construction Intangible Assets 1851 Goodwill 1852 Patents/Trademarks 1853 Concessions 1854 Computer programmes (software) 1856 Amortisation - Patents/Trademarks 1857 Amortization – Concessions 1858 Amortization of other intangible assets 1859 Other intangible assets 1860 Amortization of computer programmes (software) 1861 Intangibles under construction Interest receivables 1901 Receivables on invoiced interests: Loans 1902 Receivables on invoiced interests: Securities 1903 Receivables on invoiced interests: Deposits 1904 Receivables on interest overdrafts 1905 Receivables on invoiced interests: lease receivables 1906 Receivables on invoiced interests: cashable guarantees 1907 Receivables on invoiced interests: purchased receivables 1908 Receivables on invoiced interests: other 1909 Value adjustments of interest receivables Other Assets 1912 Receivables from agency activities 1913 Advance payments 1914 Other receivables on fees and commissions 1915 Maternity / sick leave payments due from Government 1916 Amounts due from frozen FX savings 1917 Suspense account 1918 Assets acquired based on collection of receivables 1920 Deferred tax asset 1921 Current tax assets 1922 Precious metals 1923 Cheques receivable 1924 Receivables from buyers 1925 Receivables on payment card operations 1926 Receivables from employees 1927 Other financial receivables 1928 Other business receivables 1929 Value adjustment of other assets Accruals and prepaid expenses 1930 Prepaid expenses 1931 Other accrued, yet not collected income 1932 Accruals: loans

1933 Accruals: securities 1934 Accruals: deposits 1935 Accruals: lease receivables 1936 Accruals: guarantees 1937 Accruals: purchased receivables 1939 Value adjustment of accruals Accrued fees 1941 Accrued fees: loans 1942 Accrued fees: securities 1943 Accrued fees: deposits 1944 Accrued fees: lease receivables 1945 Accrued fees: guarantees 1946 Accrued fees: purchased receivables 3PK TOTAL ASSETS (from 1001 to 1946) 2 LIABILITIES Borrowings from central banks 2101 Central Bank of Montenegro 2102 Other central banks Short-term borrowings 2111 State banks, residents 2112 Private banks, residents 2113 Banks, non-residents 2114 Other state depository institutions, residents 2115 Other private depository institutions, residents 2116 Other depository institutions/other financial institutions, non-residents 2117 Parent banks 2118 Other members of banking group 2119 Government of Montenegro and other Budget of Montenegro beneficiaries 2120 Other Long-term borrowings 2131 State banks, residents 2132 Private banks, residents 2133 Banks, non-residents 2134 Other state depository institutions, residents 2135 Other private depository institutions, residents 2136 Other depository institutions/other financial institutions, non-residents 2137 Parent banks 2138 Other members of banking group 2139 Government of Montenegro and other Budget of Montenegro beneficiaries 2140 Other Liabilities on securities sold under repurchase agreement 2151 Securities sold under repurchase agreement Liabilities based on custody operations 2201 Liabilities on custody operations with residents 2202 Liabilities on custody operations with non-residents Demand (sight) deposits of banks, other depository institutions, financial institutions and companies engaged in financial activity 2301 Companies engaged in finance lease operations, residents – non-interest bearing 2302 Companies engaged in finance lease operations, residents – interest bearing 2303 Companies engaged in brokerage activities at capital market, residents – non-interest bearing 2304 Companies engaged in brokerage activities at capital market, residents - interest bearing 2305 State banks, residents – non-interest bearing 2306 State banks, residents – interest bearing 2307 Private banks, residents – non-interest bearing 2308 Private banks, residents – interest bearing 2309 Banks, non-residents – non-interest bearing 2310 Banks, non-residents – interest bearing 2311 Other state depository institutions, residents – non-interest bearing 2312 Other state depository institutions, residents – interest bearing 2313 Other private depository institutions, residents – non-interest bearing 2314 Other private depository institutions, residents – interest bearing 2315 Other depository institutions/other financial institutions, non-residents – non-interest bearing 2316 Other depository institutions/other financial institutions, non-residents – interest bearing 2317 Others – non-interest bearing 2318 Others – interest bearing

2319 Other financial institutions, residents – non-interest bearing 2320 Other financial institutions, residents – interest bearing Demand (sight) deposits of non-financial sector 2321 State companies, residents - non-interest bearing 2322 State companies, residents - interest bearing 2323 Public services of local self-government units – non-interest bearing 2324 Public services of local self-government units – interest bearing 2325 Private companies, residents - non-interest bearing 2326 Private companies, residents - interest bearing 2327 Entrepreneurs - non-interest bearing 2328 Entrepreneurs - interest bearing 2329 Companies, non-residents - non-interest bearing 2330 Companies, non-residents - interest bearing 2331 Natural persons, residents – non-interest bearing 2332 Natural persons, residents –interest bearing 2333 Natural persons, non-residents – non-interest bearing 2334 Natural persons, non-residents –interest bearing 2335 Companies, for payment and coverage under letters of credit 2336 Companies, for payment and coverage under guarantees 2339 Non government and other non-profit organizations, residents – non-interest bearing 2340 Non government and other non-profit organizations, residents – interest bearing 2341 Non government and other non-profit organizations, non-residents – non-interest bearing 2342 Non government and other non-profit organizations, non-residents – interest bearing 2343 Other - non-interest bearing 2344 Other - interest bearing Demand (sight) deposits of the Government, other Budget of Montenegro beneficiaries and local self-government units 2345 Government of Montenegro - non-interest bearing 2346 Government of Montenegro - interest bearing 2347 Local self-government units - non-interest bearing 2348 Local self-government units - interest bearing 2349 Other Budget of Montenegro beneficiaries- non-interest bearing 2350 Other Budget of Montenegro beneficiaries- interest bearing 2351 Others - non- interest bearing 2352 Others - interest bearing Demand (sight) deposits of regulatory agencies 2353 Regulatory agencies, residents – non-interest bearing 2354 Regulatory agencies, residents –interest bearing 2355 Regulatory agencies, non-residents – non-interest bearing 2356 Regulatory agencies, non-residents – interest bearing Demand (sight) deposits of Funds 2361 Investment and Development Fund of Montenegro – non-interest bearing 2362 Investment and Development Fund of Montenegro – interest bearing 2363 Employment Agency of Montenegro - non-interest bearing 2364 Employment Agency of Montenegro - interest bearing 2365 Health Insurance Fund - non-interest bearing 2366 Health Insurance Fund - interest bearing 2367 Pension and Disability Insurance Fund - non-interest bearing 2368 Pension and Disability Insurance Fund - interest bearing 2369 Voluntary pension funds, residents - non-interest bearing 2370 Voluntary pension funds, residents - interest bearing 2371 Funds, non-residents - non-interest bearing 2372 Funds, non-residents - interest bearing 2373 Investment Funds, residents - non-interest bearing 2374 Investment Funds, residents - interest bearing 2375 Others, residents - non-interest bearing 2376 Others, residents - interest bearing Demand (sight) deposits of insurance/reinsurance companies 2381 Private insurance/reinsurance companies, residents – non-interest bearing 2382 Private insurance/reinsurance companies, residents –interest bearing 2383 State insurance/reinsurance companies, residents – non-interest bearing 2384 State insurance/reinsurance companies, residents –interest bearing 2385 Insurance/reinsurance companies, non-residents – non-interest bearing 2386 Insurance/reinsurance companies, non-residents –interest bearing Funds at escrow account

2401 Banks, residents – non-interest bearing 2402 Banks, residents –interest bearing 2403 Banks, non-residents – non-interest bearing 2404 Banks, non-residents –interest bearing 2405 Other depository institutions, residents – non-interest bearing 2406 Other depository institutions, residents –interest bearing 2407 Other depository institutions, non-residents – non-interest bearing 2408 Other depository institutions, non-residents –interest bearing 2409 Other financial institutions/companies engaged in financial activity, residents – non-interest bearing 2410 Other financial institutions/companies engaged in financial activity, residents – interest bearing 2411 Other financial institutions/companies engaged in financial activity, non-residents – non-interest bearing 2412 Other financial institutions/companies engaged in financial activity, non-residents –interest bearing 2413 State companies - non-interest bearing 2414 State companies - interest bearing 2415 Private companies, residents - non-interest bearing 2416 Private companies, residents - interest bearing 2417 Companies, non-residents - non-interest bearing 2418 Companies, non-residents - interest bearing 2419 Entrepreneurs, non-interest bearing 2420 Entrepreneurs, interest bearing 2421 Government of Montenegro – non-interest bearing 2422 Government of Montenegro –interest bearing 2423 Other Budget of Montenegro beneficiaries- non-interest bearing 2424 Other Budget of Montenegro beneficiaries- interest bearing 2425 Local self-government units - non-interest bearing 2426 Local self-government units - interest bearing 2427 Public services of local self-government units – non-interest bearing 2428 Public services of local self-government units – interest bearing 2429 State funds – non-interest bearing 2430 State funds –interest bearing 2431 Regulatory agencies – non-interest bearing 2432 Regulatory agencies –interest bearing 2433 Private funds, residents – non-interest bearing 2434 Private funds, residents –interest bearing 2435 Private funds, non-residents – non-interest bearing 2436 Private funds, non-residents –interest bearing 2437 Natural persons, residents – non-interest bearing 2438 Natural persons, residents –interest bearing 2439 Natural persons, non-residents – non-interest bearing 2440 Natural persons, non-residents –interest bearing 2441 Non government and other non-profit organizations, residents – non-interest bearing 2442 Non government and other non-profit organizations, residents – interest bearing 2443 Non government and other non-profit organizations, non-residents – non-interest bearing 2444 Non government and other non-profit organizations, non-residents – interest bearing 2445 Other - non-interest bearing 2446 Other - interest bearing Time (term) deposits of banks, other depository institutions, financial institutions and companies engaged in financial activity 2501 Companies engaged in finance lease operations, residents – non-interest bearing 2502 Companies engaged in finance lease operations, residents – interest bearing 2503 Companies engaged in brokerage activities at capital market, residents – non-interest bearing 2504 Companies engaged in brokerage activities at capital market, residents - interest bearing 2505 State banks, residents – non-interest bearing 2506 State banks, residents – interest bearing 2507 Private banks, residents – non-interest bearing 2508 Private banks, residents – interest bearing 2509 Banks, non-residents – non-interest bearing 2510 Banks, non-residents – interest bearing 2511 Other state depository institutions, residents – non-interest bearing 2512 Other state depository institutions, residents – interest bearing 2513 Other private depository institutions, residents – non-interest bearing 2514 Other private depository institutions, residents – interest bearing 2515 Other depository institutions/other financial institutions/companies engaged in financial activity, non￾residents – non-interest bearing

2516 Other depository institutions/other financial institutions/companies engaged in financial activity, non￾residents – interest bearing 2517 Others – non-interest bearing 2518 Others – interest bearing 2519 Other financial institutions, residents – non-interest bearing 2520 Other financial institutions, residents – interest bearing Time (term) deposits of non-financial sector 2521 State companies, residents - non-interest bearing 2522 State companies, residents - interest bearing 2523 Public services of local self-government units – non-interest bearing 2524 Public services of local self-government units – interest bearing 2525 Private companies, residents - non-interest bearing 2526 Private companies, residents - interest bearing 2527 Entrepreneurs - non-interest bearing 2528 Entrepreneurs - interest bearing 2529 Companies, non-residents - non-interest bearing 2530 Companies, non-residents - interest bearing 2531 Natural persons, residents – non-interest bearing 2532 Natural persons, residents –interest bearing 2533 Natural persons, non-residents – non-interest bearing 2534 Natural persons, non-residents –interest bearing 2539 Non government and other non-profit organizations, residents – non-interest bearing 2540 Non government and other non-profit organizations, residents – interest bearing 2541 Non government and other non-profit organizations, non-residents – non-interest bearing 2542 Non government and other non-profit organizations, non-residents – interest bearing 2543 Other - non-interest bearing 2544 Other - interest bearing Time (term) deposits of the Government, other Budget of Montenegro beneficiaries, local self-government units 2545 Government of Montenegro - non-interest bearing 2546 Government of Montenegro - interest bearing 2547 Local self-government units - non-interest bearing 2548 Local self-government units - interest bearing 2549 Other Budget of Montenegro beneficiaries- non-interest bearing 2550 Other Budget of Montenegro beneficiaries- interest bearing 2551 Others - non- interest bearing 2552 Others - interest bearing Time (term) deposits of regulatory agencies 2553 Regulatory agencies, residents – non-interest bearing 2554 Regulatory agencies, residents –interest bearing 2555 Regulatory agencies, non-residents – non-interest bearing 2556 Regulatory agencies, non-residents – interest bearing Time (term) deposits of Funds 2561 Investment and Development Fund of Montenegro – non-interest bearing 2562 Investment and Development Fund of Montenegro – interest bearing 2563 Employment Agency of Montenegro - non-interest bearing 2564 Employment Agency of Montenegro - interest bearing 2565 Health Insurance Fund - non-interest bearing 2566 Health Insurance Fund - interest bearing 2567 Pension and Disability Insurance Fund - non-interest bearing 2568 Pension and Disability Insurance Fund - interest bearing 2569 Voluntary pension funds, residents - non-interest bearing 2570 Voluntary pension funds, residents - interest bearing 2571 Funds, non-residents - non-interest bearing 2572 Funds, non-residents - interest bearing 2573 Investment Funds, residents - non-interest bearing 2574 Investment Funds, residents - interest bearing 2575 Others, residents - non-interest bearing 2576 Others, residents - interest bearing Time (term) deposits of insurance/reinsurance companies 2581 Private insurance/reinsurance companies, residents – non-interest bearing 2582 Private insurance/reinsurance companies, residents –interest bearing 2583 State insurance/reinsurance companies, residents – non-interest bearing 2584 State insurance/reinsurance companies, residents –interest bearing 2585 Insurance/reinsurance companies, non-residents – non-interest bearing

2586 Insurance/reinsurance companies, non-residents –interest bearing Bank's liabilities on acceptances, guarantees and bills of exchange outstanding 2600 Banks, residents 2601 Banks, non-residents 2602 Companies, residents 2604 Government of Montenegro 2605 Other beneficiaries of the Budget of Montenegro 2606 Local self-government units 2607 Public services of local self-government units 2608 Other depository institutions/other financial institutions/companies engaged in financial activity, residents 2609 Other depository institutions/other financial institutions/companies engaged in financial activity, non￾residents 2610 Companies, non-residents 2611 Entrepreneurs 2612 Natural persons, residents 2613 Natural persons, non-residents 2614 Others Liabilities on securities issued 2800 Banks, residents 2801 Banks, non-residents 2802 Government of Montenegro 2803 Other beneficiaries of the Budget of Montenegro 2804 Local self-government units 2805 Other depository institutions/other financial institutions/companies engaged in financial activity, residents 2806 Other depository institutions/other financial institutions/companies engaged in financial activity, non￾residents 2807 Companies, residents 2808 Companies, non-residents 2809 Others 2810 Non-amortised discount Derivative financial liabilities held for trading (fair value) 2811 Contracts related to interest rates, non-residents 2812 Contracts related to foreign exchange rate and equity securities, non-residents 2813 Other contracts that meet the definition of derivatives under IAS 39, non-residents 2814 Financial derivatives, residents Derivative financial liabilities used as hedging instruments (fair value) 2821 Contracts related to interest rates, non-residents 2822 Contracts related to foreign exchange rate, non-residents 2823 Contracts related to equity securities, non-residents 2824 Other contracts that meet the definition of derivatives under IAS 39, non-residents 2825 Financial derivatives, residents Financial liabilities carried at fair value through profit or loss 2831 Financial liabilities carried at fair value through profit or loss Subordinated debt and hybrid instruments 2850 Subordinated debt 2851 Subordinated debt: parent bank and other members of the banking group 2852 Hybrid instruments 2860 Conditional grants (MFI only) 2862 Deferred capital grants (MFI only) Interest payable and other liabilities 2901 Interest invoiced: Deposits 2902 Interest invoiced: Securities 2903 Interest invoiced: loans and borrowings 2904 Interest overdraft 2905 Interest invoiced: subordinated debt 2906 Interest invoiced: derivative financial liabilities 2907 Payables on agency activities 2908 Prepayment received 2909 Other tax payable 2910 Dividends payable 2911 Payroll: salaries 2912 Payroll: Pension and Disability Insurance Fund 2913 Payroll: Health

2914 Payroll: Unemployment 2915 Payroll: Other 2916 Payroll: local self-government unit, construction land 2917 Payroll: Court decisions 2918 Invoiced liabilities: suppliers 2919 Payables for fees and commissions 2920 Due to citizens for frozen foreign currency deposits 2921 Liabilities under financial lease (capital) 2922 Liabilities on payment cards 2923 Current tax payables 2924 Deferred tax liabilities 2925 Other liabilities 2929 Suspense account Provisioning 2930 Provisions for losses on off balance sheet assets 2931 Provisions for severance payments and jubilee rewards 2932 Provisions for unused annual leaves 2933 Provisions for lawsuits 2934 Provisions for other Accruals and deferred income 2941 Accruals and prepayments: loans 2942 Accruals and prepayments: debt securities 2943 Accruals and prepayments: deposits 2944 Accruals and prepayments: subordinated debt 2945 Accruals and prepayments: derivative financial liabilities 2946 Accruals and prepayments: other 2947 Deferred income 2948 Accrued expenses Accruals and prepayments on other bases 2951 Prepayments on fees: loans 2952 Prepayments on fees: debt securities 2953 Prepayments on fees: deposits 2954 Prepayments on fees: subordinated debt 2955 Prepayments on fees: other 2989 Non- controlling interest in equity (minority interests) 2999 Special account of general ledger opening/closing TOTAL LIABILITIES (from 2101 to 2999) 3 CAPITAL AND RESERVES (from 3001 to 3999) 3001 Issued capital - ordinary shares 3002 Issued capital - preferred shares 3003 Issue premium 3004 Acquired shares 3006 Reserves based on fair value 3007 Other reserves 3008 Profit and loss: accumulated from prior years 3009 Profit and loss: current year 3014 Reserves for acquired treasury shares 3015 Membership fees (CU only) 3021 Donated capital for credit fund: accumulated (MFI only) 3022 Donated capital for credit fund: current (MFI only) 3023 Donations for operations: accumulated (MFI only) 3024 Donations for operations: current (MFI only) 3025 Provisions for estimated losses under regulatory requirement 3026 Lacking amount of provisions for estimated losses under regulatory requirement 3999 Income summary 3PK TOTAL LIABILITIES AND CAPITAL (from 2101 to 3999) 4 PROFIT AND LOSS ACCOUNT Interest income (TOTAL 4011 – 4099) Banks 4011 Short-term funds 4012 Repurchase operations 4014 Securities held to maturity 4015 Loans 4016 Trading securities 4017 Available for sale securities 4019 Other

Other depository institutions, other financial institutions and companies engaged in financial activity 4021 Short-term funds 4022 Repurchase operations 4024 Securities held to maturity 4025 Loans 4026 Trading securities 4027 Available for sale securities 4029 Other Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4031 Short-term funds 4032 Repurchase operations 4034 Held-to-maturity securities 4035 Loans 4036 Trading securities 4037 Available-for-sale securities 4039 Other Local self-government units 4041 Short-term funds 4042 Repurchase operations 4044 Held-to-maturity securities 4045 Loans 4046 Trading securities 4047 Available-for-sale securities 4049 Other Private companies 4051 Short-term funds 4052 Repurchase operations 4054 Held-to-maturity securities 4055 Loans 4056 Trading securities 4057 Available-for-sale securities 4059 Other Natural persons 4061 Short term funds 4065 Loans 4069 Other Entrepreneurs 4071 Short term funds 4075 Loans 4079 Other State companies 4081 Short-term funds 4082 Repurchase operations 4084 Held-to-maturity securities 4085 Loans 4086 Trading securities 4087 Available-for-sale securities 4089 Other Other 4091 Short-term funds 4092 Repurchase operations 4095 Loans 4099 Other Interest expenses (TOTAL 4111-4197) Banks 4111 Deposits 4112 Repurchase operations 4115 Other borrowings 4116 Subordinated debt 4117 Securities 4119 Other Other depository institutions, other financial institutions and companies engaged in financial activity

4121 Deposits 4122 Repurchase operations 4125 Other borrowings 4126 Subordinated debt 4127 Securities 4129 Other Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4131 Deposits 4132 Repurchase operations 4135 Other borrowings 4136 Subordinated debt 4137 Securities 4139 Other Local self-government units 4141 Deposits 4142 Repurchase operations 4145 Other borrowings 4146 Subordinated debt 4147 Securities 4149 Other Private companies 4151 Deposits 4152 Repurchase operations 4155 Other borrowings 4156 Subordinated debt 4157 Securities 4159 Other Natural persons 4161 Deposits 4166 Subordinated debt 4167 Securities 4169 Other Entrepreneurs 4171 Deposits 4179 Other State companies 4181 Deposits 4182 Repurchase operations 4185 Other borrowings 4189 Other Other 4191 Deposits other persons 4192 Repurchase operations 4195 Other borrowings 4196 Subordinated debt 4197 Other Fee and commission income (TOTAL 4310-4399) Banks 4310 Payment cards and ATM operations 4311 Loans 4312 Off-balance sheet dealings 4313 Sureties 4314 Payment system 4315 Investment banking 4316 Accountancy 4317 Deposit insurance 4318 Other services 4319 Other Other depository institutions, other financial institutions and companies engaged in financial activity 4320 Payment cards and ATM operations 4321 Loans 4322 Off-balance sheet dealings 4323 Sureties

4324 Payment system 4325 Investment banking 4326 Accountancy 4327 Deposit insurance 4328 Other services 4329 Other Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4330 Payment cards and ATM operations 4331 Loans 4332 Off-balance sheet dealings 4333 Sureties 4334 Payment system 4335 Investment banking 4336 Accountancy 4337 Deposit insurance 4338 Other services 4339 Other Local self-government units 4340 Payment cards and ATM operations 4341 Loans 4342 Off-balance sheet dealings 4343 Sureties 4344 Payment system 4345 Investment banking 4346 Accountancy 4347 Deposit insurance 4348 Other services 4349 Other Private companies 4350 Payment cards and ATM operations 4351 Loans 4352 Off-balance sheet dealings 4353 Sureties 4354 Payment system 4355 Investment banking 4356 Accountancy 4357 Deposit insurance 4358 Other services 4359 Other Natural persons 4360 Payment cards and ATM operations 4361 Loans 4362 Off-balance sheet dealings 4363 Sureties 4364 Payment system 4365 Investment banking 4366 Accountancy 4367 Deposit insurance 4368 Other services 4369 Other Entrepreneurs 4370 Payment cards and ATM operations 4371 Loans 4372 Off-balance sheet dealings 4373 Sureties 4374 Payment system 4375 Investment banking 4376 Accountancy 4377 Deposit insurance 4378 Other services 4379 Other State companies 4380 Payment cards and ATM operations 4381 Loans

4382 Off-balance sheet dealings 4383 Sureties 4384 Payment system 4385 Investment banking 4386 Accountancy 4387 Deposit insurance 4388 Other services 4389 Other Other 4390 Payment cards and ATM operations 4391 Loans 4392 Off-balance sheet dealings 4393 Sureties 4394 Payment system 4395 Investment banking 4396 Accountancy 4397 Deposit insurance 4398 Other services 4399 Other Fee and commission expenses (TOTAL 4510 – 4598) Banks 4510 Payment cards and ATM operations 4511 Loans 4512 Off-balance sheet dealings 4513 Payment system expense to CBCG 4514 Payment system expense to other banks 4515 Sureties 4516 Investment banking 4517 Accountancy 4518 Deposit insurance 4519 Other Other depository institutions, other financial institutions and companies engaged in financial activity 4520 Payment cards and ATM operations 4521 Loans 4522 Off-balance sheet dealings 4523 Sureties 4524 Payment system 4525 Investment banking 4526 Accountancy 4527 Deposit insurance 4528 Other Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 4530 Payment cards and ATM operations 4531 Loans 4532 Off-balance sheet dealings 4533 Sureties 4534 Payment system 4535 Investment banking 4536 Accountancy 4537 Deposit insurance 4538 Other Local self-government units 4540 Payment cards and ATM operations 4541 Loans 4542 Off-balance sheet dealings 4543 Sureties 4544 Payment system 4545 Investment banking 4546 Accountancy 4547 Deposit insurance 4548 Other Private companies 4550 Payment cards and ATM operations

4551 Loans 4552 Off-balance sheet dealings 4553 Sureties 4554 Payment system 4555 Investment banking 4556 Accountancy 4557 Deposit insurance 4558 Other Natural persons 4560 Payment cards and ATM operations 4561 Loans 4562 Off-balance sheet dealings 4563 Sureties 4564 Payment system 4565 Investment banking 4566 Accountancy 4567 Deposit insurance 4568 Other Entrepreneurs 4570 Payment cards and ATM operations 4571 Loans 4572 Off-balance sheet dealings 4573 Sureties 4574 Payment system 4575 Investment banking 4576 Accountancy 4577 Deposit insurance 4578 Other State companies 4580 Payment cards and ATM operations 4581 Loans 4582 Off-balance sheet dealings 4583 Sureties 4584 Payment system 4585 Investment banking 4586 Accountancy 4587 Deposit insurance 4588 Other Other 4590 Payment cards and ATM operations 4591 Loans 4592 Off-balance sheet dealings 4593 Sureties 4594 Payment system 4595 Investment banking 4596 Accountancy 4597 Deposit insurance 4598 Other Net gains (losses) from trading securities, derivatives and foreign currencies 4620 Net revenue from trading securities – stocks 4622 Net revenue from trading securities – not stocks 4624 Net gains (losses) from derivatives trading 4625 Net gains (losses) from FX trading (sport transactions) 4626 Net gains (losses) from change in fair value in hedge accounting Net gains (losses) from available for sale securities 4730 from Government of Montenegro 4740 from local self-government units 4770 Other issuers, stocks 4790 Other issuers, not stocks Net gains (losses) from financial instruments carried at fair value through profit or loss 4810 Net gains (losses) from financial instruments carried at fair value through profit or loss Net gains (losses) from securities held to maturity 4830 from Government of Montenegro 4840 from local self-government units 4870 Other issuers, not stocks

Net gains (losses) from other equity investments 4894 Net gains (losses) from equity investments (significant influence) 4896 Net gains (losses) from equity investments (control) 4897 Net gains (losses) from joint ventures Net gains and losses from revaluation 4901 FX revaluation gains 4911 FX revaluation losses Net gains (losses) from repurchase operations 4916 Net gains (losses) from repurchase operations Net gains (losses) from custody operations 4917 Net gains (losses) from custody operations Income/expense related to securitisation and servicing 4925 Amortization expense on servicing rights 4926 Servicing for others – Income 4927 Servicing for others – Expense Dividend income 4931 Trading securities 4932 Available-for-sale securities 4933 Other Other 4990 Other operating income 4991 Income from collected written off receivables 4995 Other non-operating income 4996 Expenses based on direct write-off of receivables 4997 Donations for operations, fixed assets & in kind donations (MFI only) 4998 Deferred donations (MFI only) TOTAL (4011-4998) 5 OPERATING EXPENSES Costs of salaries and fringe benefits 5001 Net salaries 5002 Net sick leave benefits 5003 Net annual leave benefits 5004 Other net employee benefits 5005 Net transportation expense 5011 Net fees for maternity leave 5012 Contributions for pension and disability insurance to debit employee 5013 Contributions for health insurance paid by employee 5014 Contributions for unemployment insurance paid by employee 5015 Contributions for pension and disability insurance paid by employer 5016 Contributions for health insurance paid by employer 5017 Contributions for unemployment insurance paid by employer 5018 Contributions for Commercial Chambers of Montenegro paid by employer 5019 Contributions for solidarity paid by employer 5020 Contributions for Labour Fund paid by employer 5021 Contribution for professional rehabilitation of disabled persons paid by employer 5022 Surtax expense 5023 Tax expense 5027 Other payroll related costs 5028 Provision expenses for severance payments and jubilee rewards 5029 Provision expenses for unused annual leaves Other employee expenses 5041 Professional education 5042 Travel and entertainment 5043 Travel expenses and per diems 5044 Training 5045 Other employee expenses Business premise and equipment expenses 5051 Rent 5052 Building repairs and maintenance 5053 Security (Physical) 5054 Electricity 5055 Heating 5056 Water 5057 Cleaning (Janitorial services) 5058 Computer and equipment maintenance

5059 Operating leases 5060 Business premise related taxes 5081 Motor vehicle expenses 5082 Insurance Depreciation and amortization 5102 Buildings 5103 Investment properties 5104 Plant and equipment 5105 Office equipment 5106 Vehicles 5107 Hardware 5108 Computer programmes (software) 5109 Small inventory 5129 Other tangible assets 5132 Patents/Trademarks 5133 Concessions 5139 Other intangible assets Professional fees and expenses 5201 Audit 5202 Data processing 5203 Court expenses 5204 Other professional fees 5205 Customs and freight forwarding expenses 5206 Lawyer services expenses 5207 Securities related expenses 5208 Scholarship expenses 5209 Intellectual services expenses 5210 Accommodation expenses 5211 Consultancy services 5212 Cash transport expenses Other 5301 Telephone 5302 Telecommunication networks expenses 5303 Postage 5304 Stationery 5305 Subscriptions and donations 5306 Utility services 5307 Cleaning and laundry 5308 Entertainment expenses 5309 Fuel expenses 5310 Consumables 5321 Publications 5322 Advertising and marketing 5323 Printing and photocopying 5324 Value added taxes 5325 Other tax expenses 5326 Duties (property, tourist organisations, miscellaneous duties) 5399 Miscellaneous expenses 5401 Impairment of assets 5501 Current tax 5511 Deferred tax expense in the current period 5522 Gains on disposal of property, plant and equipment 5523 Losses on disposal of property, plant and equipment Allowances for impairment and provision expenses 5610 Allowances for impairment for loans and other receivables 5611 Allowances for impairment of deposits with banks, other depository institutions, other financial institutions and companies engaged in financial activity 5612 Allowances for impairment of factoring and forfaiting 5614 Allowances for impairment of available-for-sale securities 5615 Allowances for impairment of held-to-maturity securities 5616 Allowances for impairment of bank receivables on acceptances, guarantees and bills of exchange outstanding 5617 Allowances for impairment for other funds 5618 Allowances for impairment for interest receivables 5619 Provision expenses for off balance sheet obligations

5620 Other allowances for impairment 5621 Allowances for impairment of equity investments in subsidiaries (significant influence) 5622 Allowances for impairment of equity investments in associates 5624 Allowances for impairment for servicing rights 5627 Allowances for impairment for other assets 5628 Allowances for impairment for receivables from custody operations 5629 Allowances for impairment for accruals and prepayments 5630 Provision expenses for lawsuits 5631 Provision expenses for other Non-operating and extraordinary expenses 5641 Non-operating expenses 5643 Realization of other activities (MFI only) 5651 Prior year adjustments 5660 Extraordinary income 5661 Extraordinary expenses TOTAL (5001 -15661) 9 OFF-BALANCE SHEET ITEMS Guarantees Given to 9010 Banks 9020 Other depository institutions, other financial institutions and companies engaged in financial activity 9030 Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 9040 Local self-government units 9050 Companies 9060 Natural persons 9070 Entrepreneurs 9080 Other Guarantees received from 9110 Banks 9120 Other depository institutions, other financial institutions and companies engaged in financial activity 9130 Government of Montenegro, other Budget of Montenegro beneficiaries and regulatory agencies 9140 Local self-government units 9150 Companies 9160 Natural persons 9170 Entrepreneurs 9180 Other Letters of credit 9210 Confirmed 9220 Uncovered Bill of exchange 9310 Issued Cheques 9320 Received Credit obligations given 9410 to banks 9420 to others 9421 Irrevocable credit obligations Credit obligations received 9510 Banks 9520 Other 9530 Custody operations Accrued interest 9620 Accrued Interest Security interest (collateral) received 9710 Property 9720 Securities 9730 Other 9740 Given Contractual value of derivative financial instruments held for trading (breakdown of asset accounts) 9751 Contractual value of derivative financial instruments related to interest rates 9752 Contractual value of derivative financial instruments related to foreign exchange rate 9753 Contractual value of derivative financial instruments related to equity securities 9754 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Contractual value of derivative financial instruments used as hedging instruments

(breakdown of asset accounts), except account 9759 9755 Contractual value of derivative financial instruments related to interest rates 9756 Contractual value of derivative financial instruments related to foreign exchange rate 9757 Contractual value of derivative financial instruments related to equity securities 9758 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 9759 Contract value of derivative financial instruments (counter item to breakdown of liabilities accounts) Contract value of derivative financial instruments held for trading (breakdown of liabilities accounts) 9760 Contractual value of derivative financial instruments related to interest rates 9761 Contractual value of derivative financial instruments related to foreign exchange rate 9762 Contractual value of derivative financial instruments related to equity securities 9763 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 Contractual value of derivative financial instruments used as hedging instruments (breakdown of liabilities accounts), from 9764 to 9767 9764 Contractual value of derivative financial instruments related to interest rates 9765 Contractual value of derivative financial instruments related to foreign exchange rate 9766 Contractual value of derivative financial instruments related to equity securities 9767 Contractual value of derivative financial instruments that meet the definition of derivatives pursuant to IAS 39 9768 Contractual value of derivative financial instruments (counter item to breakdown of liabilities accounts) 9769 Other asset off balance sheet items in EUR 9770 Other asset off balance sheet items in other foreign currencies Assets held in trust from 9810 - 9840 9810 Securities and valuables of clients for safekeeping 9820 Other assets held for safekeeping 9830 Managed securities 9840 Other managed assets - including agency loans 9900 Memorandum Account 9910 Memorandum Account 9920 Memorandum Account 9930 Memorandum Account 9940 Memorandum Account 9950 Memorandum Account 9960 Memorandum Account 9970 Memorandum Account 9980 Memorandum Account 9990 Other liabilities off balance sheet items in EUR 9991 Other liabilities off balance sheet items in other foreign currencies TOTAL OFF-BALANCE SHEET (except accounts 9759, 9768, and memorandum accounts from 9900 to 9980)

/MFI’s name / / ID number / SUPPORTING TABLE FOR THE BALANCE SHEET AND PROFIT AND LOSS STATEMENT POSITIONS FORM DATA HELP

• data is entered into columns “Debit” and “Credit” Account to be divided Acount no. Position 1015 1 2. M-BS and M-KL1 C) position 1 1015 2 2. M-BS and M-KL1 C) position 2 1015 3 3. M-BS and M-KL1 C) position 30 1019 1 1. M-BS and M-ND position 6 1019 2 2. M-BS and M-KL1 E) position 1 1019 3 2. M-BS and M-KL1 E) position 2 1019 4 3. M-BS and M-KL1 E) position 30 1128 1 2. M-BS and M-KL1 A) position 2 1128 2 3. M-BS and M-KL1 A) position 6 1129 1 2. M-BS and M-KL1 A) position 2 1129 2 3. M-BS and M-KL1 A) position 6 1130 1 2. M-BS and M-KL1 A) position 2 1130 2 3. M-BS and M-KL1 A) position 6 1131 1 2. M-BS and M-KL1 A) position 2 1131 2 3. M-BS and M-KL1 A) position 6 1149 1 2. M-BS and M-KL1 E) position 1 1149 2 2. M-BS and M-KL1 E) position 2 1149 3 3. M-BS and M-KL1 E) position 5 1149 4 3. M-BS and M-KL1 E) position 6 1151 1 2. M-BS and M-KL1 C) position 1 1151 2 2. M-BS and M-KL1 C) position 2 1151 3 3. M-BS and M-KL1 C) position 30 1159 1 2. M-BS and M-KL1 E) position 1 1159 2 2. M-BS and M-KL1 E) position 2 1159 3 3. M-BS and M-KL1 E) position 30 1205 1 2. M-BS and M-KL1 B) position 2 1205 2 3. M-BS and M-KL1 B) position 6 1219 1 2. M-BS and M-KL1 D) position 1 1219 2 2. M-BS and M-KL1 D) position 2 1219 3 3. M-BS and M-KL1 D) position 3 1219 4 3. M-BS and M-KL1 D) position 4 1219 5 3. M-BS and M-KL1 D) position 5 1219 6 3. M-BS and M-KL1 D) position 6 1219 7 3. M-BS and M-KL1 D) position 7 1219 8 3. M-BS and M-KL1 D) position 8 1219 9 3. M-BS and M-KL1 D) position 30 1266 1 3. M-BS and M-KL1 B) position 26 1266 2 3. M-BS and M-KL1 B) position 28 1267 1 3. M-BS and M-KL1 B) position 27 1267 2 3. M-BS and M-KL1 B) position 29 1269 1 3. M-BS and M-KL1 D) position 11 1269 2 3. M-BS and M-KL1 D) position 12 1269 3 3. M-BS and M-KL1 D) position 13 1269 4 3. M-BS and M-KL1 D) position 14 1269 5 3. M-BS and M-KL1 D) position 15 1269 6 3. M-BS and M-KL1 D) position 22 1269 7 3. M-BS and M-KL1 D) position 23 1269 8 3. M-BS and M-KL1 D) position 24 1269 9 3. M-BS and M-KL1 D) position 25 1269 10 3. M-BS and M-KL1 D) position 26 1269 11 3. M-BS and M-KL1 D) position 27 1269 12 3. M-BS and M-KL1 D) position 28 1269 13 3. M-BS and M-KL1 D) position 29 1269 14 3. M-BS and M-KL1 D) position 30 1278 1 3. M-BS and M-KL1 B) position 19 1278 2 3. M-BS and M-KL1 B) position 20 1279 1 3. M-BS and M-KL1 D) position 16 1279 2 3. M-BS and M-KL1 D) position 17 1279 3 3. M-BS and M-KL1 D) position 18 1279 4 3. M-BS and M-KL1 D) position 19 1279 5 3. M-BS and M-KL1 D) position 20 1289 1 3. M-BS and M-KL1 D) position 9 1289 2 3. M-BS and M-KL1 D) position 10

1289 3 3. M-BS and M-KL1 D) position 21 1289 4 3. M-BS and M-KL1 D) position 30 1411 1 2. M-BS and M-KL1 C) position 1 1411 2 2. M-BS and M-KL1 C) position 2 1411 3 3. M-BS and M-KL1 C) position 30 1412 1 2. M-BS and M-KL1 C) position 1 1412. M-BS and M-KL1 C) position 2 1412 3 3. M-BS and M-KL1 C) position 30 1419 1 2. M-BS and M-KL1 E) position 1 1419 2 2. M-BS and M-KL1 E) position 2 1419 3 3. M-BS and M-KL1 E) position 30 1502 1 3. M-BS and M-KL1 C) position 11 1502 2 3. M-BS and M-KL1 C) position 12 1507 1 3. M-BS and M-KL1 C) position 3 1507 2 3. M-BS and M-KL1 C) position 5 1507 3 3. M-BS and M-KL1 C) position 7 1508 1 3. M-BS and M-KL1 C) position 4 1508 2 3. M-BS and M-KL1 C) position 6 1508 3 3. M-BS and M-KL1 C) position 8 1519 1 2. M-BS and M-KL1 E) position 1 1519 2 2. M-BS and M-KL1 E) position 2 1519 3 3. M-BS and M-KL1 E) position 3 1519 4 3. M-BS and M-KL1 E) position 4 1519 5 3. M-BS and M-KL1 E) position 5 1519 6 3. M-BS and M-KL1 E) position 6 1519 7 3. M-BS and M-KL1 E) position 7 1519 8 3. M-BS and M-KL1 E) position 8 1519 9 3. M-BS and M-KL1 E) position 11 1519 10 3. M-BS and M-KL1 E) position 12 1519 11 3. M-BS and M-KL1 E) position 13 1519 12 3. M-BS and M-KL1 E) position 14 1519 13 3. M-BS and M-KL1 E) position 15 1519 14 3. M-BS and M-KL1 E) position 16 1519 15 3. M-BS and M-KL1 E) position 17 1519 16 3. M-BS and M-KL1 E) position 18 1519 17 3. M-BS and M-KL1 E) position 24 1519 18 3. M-BS and M-KL1 E) position 25 1519 19 3. M-BS and M-KL1 E) position 30 1901 1 2. M-BS 1901 2 3. M-BS 1902 1 5. M-BS 1902 2 6. M-BS 1902 3 7. M-BS 1902 4 8.a. M-BS 1902 5 8.b. M-BS 1903 1 1. M-BS and M-ND position 7 1903 2 2. M-BS and M-KL1 position F/A 1903. M-BS and M-KL1 position F/A 1904 1 2. M-BS and M-KL1 position F/B 1904 2 3. M-BS and M-KL1 position F/B 1905 1 2. M-BS 1905 2 3. M-BS 1906 1 2. M-BS 1906 2 3. M-BS 1907 1 2. M-BS 1907 2 3. M-BS 1909 1 1. M-BS and M-ND position 8 1909 2 2. M-BS and M-KL1 position F/A 1909 3 3. M-BS and M-KL1 position F/B 1909 4 3. M-BS and M-KL1 position F/C 1909 5 8.a. M-BS 1909 6 8.b. M-BS 1929 1 16. M-BS 1929 2 17. M-BS 1932 1 2. M-BS 1932 2 3. M-BS 1933 1 5. M-BS 1933 2 6. M-BS 1933 3 7. M-BS 1933 4 8.a. M-BS 1933 5 8.b. M-BS 1934 1 2. M-BS 1934 2 3. M-BS 1935 1 2. M-BS

1935 2 3. M-BS 1936 1 2. M-BS 1936 2 3. M-BS 1937 1 2. M-BS 1937 2 3. M-BS 1939 1 2. M-BS and M-KL1 position G/A 1939 2 3. M-BS and M-KL1 position G/B 1939 3 3. M-BS and M-KL1 position G/C 1939 4 8.a. M-BS 1939 5 8.b. M-BS 1941 1 2. M-BS 1941 2 3. M-BS 1942 1 5. M-BS 1942 2 6. M-BS 1942 3 7. M-BS 1942 4 8.a. M-BS 1942 5 8.b. M-BS 1943 1 2. M-BS 1943 2 3. M-BS 1944 1 2. M-BS 1944 2 3. M-BS 1945 1 2. M-BS 1945 2 3. M-BS 1946 1 2. M-BS 1946 2 3. M-BS 2118 1 19. M-BS 2118 2 20. M-BS 2138 1 19. M-BS 2138 2 20. M-BS 2151 1 19. M-BS 2151 2 20. M-BS 2902 1 22. M-BS 2902 2 24. M-BS 2903 1 19. M-BS 2903 2 20. M-BS 2904 1 19. M-BS and M-P position B) 2904 2 20. M-BS and M-P position B) 2904 3 21. M-BS 2904 4 22. M-BS 2904 5 23. M-BS 2904 6 24. M-BS 2904 7 29. M-BS 2906 1 21. M-BS 2906 2 23. M-BS 2941 1 19. M-BS 2941 2 20. M-BS 2942 1 22. M-BS 2942 2 24. M-BS 2945 1 21. M-BS 2945 2 23. M-BS 2951 1 19. M-BS 2951 2 20. M-BS 2952 1 22. M-BS 2952 2 24. M-BS 4916 1 7. M-BU Fee and commission income 4916 2 8. M-BU Fee and commission expenses 4917 1 7. M-BU Fee and commission income 4917 2 8. M-BU Fee and commission expenses 4894 1 18. M-BU Other expenses 4894 2 19. M-BU Other income 4896 1 18. M-BU Other expenses 4896 2 19. M-BU Other income 4897 1 18. M-BU Other expenses 4897 2 19. M-BU Other income 5629 1 1. M-BU Interest income and similar income 5629 2 5. M-BU Impairment allowances 1904 3 2. M-BS i M-KL1 position F/C 1904 4 3. M-BS i M-KL1 position F/C

/ MFI name / / ID number / BALANCE SHEET FORM M–BS (000 €) No. ASSETS

1. Cash and deposit accounts with central banks

2. Loans and receivables from banks

3. Loans and receivables from clients

4. Available-for-sale assets

5. Held-for-trading financial assets

6. Other asets carried at fair value through profit or loss

7. Derivative financial assets as hedging instruments

8. Investment securities 8.a. - available for sale 8.b. - held to maturity

9. Investments in associates and joint ventures at equity method

10. Investments in subsidiaries

11. Investment properties

12. Property, plant and equipment

13. Intangible assets

14. Current tax assets

15. Deferred tax assets

16. Other financial receivables

17. Other business receivables

18. TOTAL ASSETS: LIABILITIES

19. Borrowings from banks

20. Borrowings from other clients

21. Held-for-trading financial liabilities

22. Financial liabilities carried at fair value through profit or loss

23. Derivative financial liabilities as hedging instruments

24. Issued debt securities

25. Provisions

26. Current tax liabilities

27. Deferred tax liabilities

28. Other liabilities

29. Subordinated debt

30. TOTAL LIABILITIES: CAPITAL

31. Share capital

32. Issue premiums

33. Retained earnings

34. Current year profit/loss

35. Other reserves

36. Donated capital/equity

37. Non-controlling interests in equity

38. TOTAL CAPITAL: (31 to 37)

39. TOTAL LIABILITIES AND CAPITAL: (30 + 38) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /   

/ MFI name/ / ID number / BALANCE SHEET FORM M-BS1 (000 €) No. ASSETS

1. Cash and deposit accounts with banks and other depository institutions 1.a. Cash and non interest-bearing deposits 1.b. Interest-bearing deposits 1.c. Client’s funds from custody operations

Trading and available-for-sale assets, not stocks, and assets carried at fair value through profit or loss 2.a. Trading assets, not stocks 2.b. Available-for-sale assets, not stocks 2.c. Derivative financial assets held for trading 2.d. Derivative financial assets as hedging instruments (fair value) 2.e. Securities carried at fair value through profit or loss 3. Securities purchased under agreement to resell 4. Loans and lease operations 4.a. Less: Value adjustment of loans 4.b. Loans and lease operations, net of loss provisions 5. Held-to-maturity securities 6. Factoring and forfaiting 7. Receivables from custody operations 8. Business premise and other fixed assets 9. Non-current assets held for sale 10. Equity investments 11. Other assets 12. LESS: Value adjustment of other assets (except position 4.a.) 13. TOTAL ASSETS: LIABILITIES 14. Securities sold under agreement to repurchase 15. Liabilities based on custody operations 16. Liabilities on loans and securities issued (borrowings) 16.a. Short-term borrowings - less than one year 16.b. Long-term borrowings - over one year 16.c. Liabilities on securities issued 17. Financial liabilities carried at fair value through profit or loss 18. Derivative financial liabilities held for trading (fair value) 19. Derivative financial liabilities used as hedging instruments (fair value) 20. Other liabilities 21. Provisions for loan losses on off-balance sheet exposures 22. Subordinated debt and hybrid instruments 23. TOTAL LIABILITIES: 24. MINORITY SHAREHOLDERS’ INTEREST CAPITAL 25. Share capital 26. Issue premiums 27. Retained earnings 28. Current year profit/loss 29. Other reserves 30. Donated capital 31. TOTAL CAPITAL: (25 to 30) 32. TOTAL LIABILITIES AND CAPITAL: (23 + 24 + 31)

Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / PROFIT AND LOSS STATEMENT FORM M-BU (000 €)

POSITION

1. Interest income and similar income
2. Interest expense and similar expenses
3. NET INTEREST INCOME (1- 2)
4. Income from dividends
5. Allowances for impairment
6. Provision expenses
7. Fee and commission income
8. Fee and commission expense
9. NET FEE AND COMMISSION INCOME (7- 8)
10. Net gains/losses from financial instruments held for trading
11. Net gains/losses from financial instruments carried at fair value through profit or loss
12. Net gains/losses from investment securities
13. Change in fair value in hedge accounting
14. Net gains/losses from FX revaluation
15. Employee expenses
16. Overhead and administrative expenses
17. Depreciation expenses
18. Other expenses
19. Other income
20. OPERATING PROFIT (3+4-5-6+9+10+11+12+13+14-15-16-17-18+19)
21. Profit tax
22. NET PROFIT/LOSS (20 - 21) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name/ / ID number / REPORT ON OTHER COMPREHENSIVE INCOME FORM M-UOR (000 €) No. Position Total:

1. Net profit/loss 0

2. Other comprehensive income (3+4+7+10+11-12) 0

3. Items relating for foreign exchange changes

4. Net profit / loss based on available for sale financial assets 0

5. Unrealised net gains/losses based on available for sale financial assets, before tax

6. Net reclassification adjustments relating to realised net gains/losses, before tax

7. Cash flow hedges 0

8. Net gains/losses relating to hedging instruments recognised directly through capital, before tax

9. Net reclassification adjustments relating to realised net gains/losses, before tax

10. Actuarial gains/losses relating to long-term employee benefits

11. Revaluation of property, plant and equipment

12. |Income tax relating to other comprehensive income components

13. TOTAL (1 - 2) 0 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON OFF-BALANCE SHEET RECORDS FORM M-BS_VB (000 €) No. Position 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. Collateral based on receivables
10. Other items of bank’s off-balance sheet exposure
11. Total
12. MEMORANDUM 12.1. Accrued interest 12.2. Other Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CASH AND DEPOSIT ACCOUNTS WITH CENTRAL BANKS FORM M-ND (000 €) No. Position EUR Foreign currency* Total: A Cash and deposits with central banks 0

1. Cash 0
2. Cash in the process of collection 0
3. Funds at settlement account with the Central Bank of Montenegro 0
4. Deposits with the Central Bank of Montenegro 0
5. Deposits with other central banks 0 B Value adjustment of cash and deposits with central banks 0
6. Value adjustment of cash and deposits with central banks 0 C Interest receivables and value adjustment of interest receivables 0
7. Receivables from invoiced interest: deposits 0
8. Value adjustments of interest receivables 0 D TOTAL: (A - B + C) 0 NOTE: Total amount must be equal to the position 1 in the Form BS

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CASH AND DEPOSITS ACCOUNTS WITH BANKS AND OTHER DEPOSITORY INSTITUTIONS FORM M-ND1 (000 €) No. Position EUR Foreign currency* Total:

1. Cash 0
2. Cash in process of collection 0
3. Funds at settlement account with the Central Bank of Montenegro 0
4. Funds at accounts with foreign banks (demand deposits) 0
5. Deposits with the Central Bank of Montenegro 0
6. Deposits with banks, residents 0
7. Deposits with other depository institutions, residents 0
8. Deposits with banks/other central banks/depository institutions, non-residents 0
9. Funds of clients from custody operations 0
10. TOTAL: 0 NOTE: Total amount must be equal to the position 1 in the Form BS1

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / FORM M-KL1 REPORT ON LOANS AND RECEIVABLES FROM BANKS AND OTHER CLIENTS (000 €) A) Deposits with banks and other depository institutions B) Gross loans 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 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) 9 10 11 12 13 (9+10+11+12- 14) 14 15 (13+14) 1 Banks, residents 2 Banks, 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 Companies engaged in financial activity, residents 8 Companies engaged in financial activity, non- residents 9 Private funds, residents 10 Funds, non-residents 11 State companies 12 Private companies 13 Entrepreneurs 14 Public services of local self-government units 15 Companies - 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 Total A)* Total B)* F Interest receivables and value adjustment of interest receivables G Accruals and prepayments: interests and fees and value adjustment

FORM M-KL1 (000 €) C) Other receivables D) Value adjustment of gross loans E) Value adjustment of other receivables from banks and other clients Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currenc y *** TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreig n curre ncy

---

TOTAL Up to 3 months From 3 month s to 1 year From 1 to 3 years Over 3 years EUR Other foreign currenc y *** TOTAL TOTAL 16 17 18 19 20(16+17+1 8+19-21) 21 22 (20+21) 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) Total C)* Total D) Total E) Total F) Total G)

No. Position Demand deposits Up to 3 months From 3 months up to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency *** TOTAL A Deposits with banks and other depository institutions B Gross loans C Other receivables D Value adjustment of gross loans E Value adjustment of other receivables from banks and other clients F Interest receivables and value adjustment of interest receivables G Accruals and prepayments of interests and fees and value adjustment H TOTAL (A+B+C-D-E+F+G) NOTE:

• Total amount of A) + B) + C) must be equal to the position 2 in the Form BS1 **Foreign currencies denominated in EUR as at reporting date
• Total of H must be equal to the positions 2a,2b,3a,3b,4a,4b,5a and 5b in the Form BS C Other receivables D Value adjustment of gross loans E Value adjustment of other receivables from banks and other clients F Interest receivables and value adjustment of interest receivables G Accruals and prepayments of interests and fees and value adjustment H TOTAL (A+B+C-D-E+F+G) NOTE:
• Total amount of A) + B) + C) must be equal to the position 2 in the Form BS2 ** Foreign currencies denominated in EUR as at reporting date
• Total of H must be equal to the positions 2a,2b,3a,3b,4a,4b,5a and 5b in the Form BS Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number REPORT ON STRUCTURE OF LOANS AND OTHER RECEIVABLES BY PURPOSE FORM M – SKN A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables No. Loan purpose Up 3 months From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 month s From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 mont hs From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 month s From 3 months to 1 year From 1 to 3 years Over 3 years Total 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-earmarked) loans 10 Residential loans 11 Credit cards 12 Overdraft 13 Other 14 TOTAL TOTAL A* TOTAL B** TOTA L C*** TOTAL D**** E Interest receivables and value adjustment of interest receivables TOTAL E) F Value adjustments of interests and fees and value adjustment TOTAL F) No. Summary Up 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL A Gross loans* 0 B Other receivables ** 0 C Value adjustment of gross loans *** 0 D Value adjustment of other receivables **** 0 E Interest receivables and value adjustment of interest receivables 0 F Value adjustments of interest and fees and value adjustment 0 G TOTAL (A+B-C-D+E+F)***** 0 Note:

• Total amount A) must be equal to total amount B) in the Form M-KL1 i.e. position 4 in the Form BS1 **** Total amount D) must be equal to total amount E) in the Form M-KL1 ** Total amount B) must be equal to total amount A) + C) in the Form M-KL1 ***** Total amount G) must be equal to the sum of htepositions 2 and 3 in the Form BS *** Total amount C) must be equal to total amount D) in the Form M-KL1 Prepared by / name and family name /signature /phone number of authorised person / Approved by / name and family name /signature /phone number of authorised person /

/ MFI name / /ID number/ REPORT ON LOANS AND OTHER RECEIVABLES FROM NATURAL PERSONS FORM M-KFL (€ 000) A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables No. Type of loan Number of sub￾account s Up to 3 month s From 3 month s to 1 year From 1 to 3 years Over 3 years Total Number of sub￾accounts Up to 3 month s From 3 month s to 1 year From 1 to 3 years Over 3 years Total Up to 3 month s From 3 month s 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 I Cash - non￾earmarked II Earmarked 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 Total A* Total B** Total C*** Total D**** Note: Total amount A) must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category B) gross loans) Total amount B) must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category C) other receivables) Total amount C) must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category D) value adjustment of gross loans) Total amount D) must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category E) value adjustment of other receivables) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number REPORT ON NON-FINANCIAL SECTOR LOANS AND OTHER RECEIVABLES BY BY INDUSTRIES FORM M-KD (000 €) A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 1 year Over 1 year Total loans Up to 1 year Over 1 year Total other receivable s Up to 1 year Over 1 year Total C Up to 1 year Over 1 year Total D EUR Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y No. Industry 1 2 3 4 5 (1+2+3+4 ) 6 7 8 9 10 (6+7+8+9) 11 12 13 14 15 (11+12+13+14 ) 16 17 18 19 20 (16+17+18+19 ) 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

Up to 1 year Over 1 year TOTAL No. 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 escrow account EUR 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 F) must be equal to total amount of F) in the Form M-KL1

• Total amount A) must be equal to total amount of B) in the Form M-KL1 ******* Total amount G) must be equal to total amount of 2a,2b,3a,3b,4a,4b,5a and 5b in the Form M-BS ** Total amount B) must be equal to total amount of A) + C) in the Form M-KL1 ******** Total amount H) must be equal the position F in the Form M-D *** Total amount C) must be equal to total amount of D) in the Form M-KL1 ********* Total amount I) must be equal the position C in the Form M-D **** Total amount D) must be equal to total amount of E) in the Form M-KL1 ********* Total amount J) must be equal the position D in the Form M-D ***** Total amount E) must be equal to total amount of E) in the Form M-KL1 ************ Total amount K) must be equal the position 17 a,17b,18a,18b,19a and 19b in the Form BS Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON PAST DUE LOANS AND RECEIVABLES FROM BANKS AND OTHER CLIENTS A) Deposits with banks 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 Banks, residents 0 0 2 Banks, 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 Companies engaged in financial activity, residents 0 0 8 Companies engaged in financial activity, non-residents 0 0 9 Private funds, residents 0 0 10 Funds, non-residents 0 0 11 State companies 0 0 12 Private companies 0 0 13 Entrepreneurs 0 0 14 Public services of local self-government units 0 0 15 Private companies - 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

FORM M-BSK1 (€ 000) C) Other receivables D) Value adjustment of gross loans E) Value adjustment of other receivables from banks and other clients other 31-90 days past due receivables Other 91-270 days past due receivables other 271-365 days past due receivables other receivables over 365 days past due 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 receivables 91-270 days past due other receivables 271-365 days past due other receivables 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+23+24) 0

R.br. Summary From 31 to 90 days From 91 to 270 days From 271 to 365 days Over 365 days TOTAL A Deposits with banks 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 banks and other clients 0 F Interest receivables and value adjustment of interest receivables 0 G Accruals and prepayment: interest and fees and value adjustment 0 H TOTAL (A+B+C-D-E+F+G) 0 NOTE: Past due loans or lease operations where repayment of principal or interest tranche (instalment) is more than 31 days past due, and/or where repayment of principal or interest is past due 31 days and over Prepared by / name and family name /signature /phone number of authorised person / Approved by / name and family name /signature /phone number of authorised person /

/ MFI name / /ID number/ REPORT ON ASSET CLASSIFICATION FORM M-KA1 Asset classification (000 €) No. Balance sheet asset items Cash collateral Other collateral Classification Total A B C D E 1 2 3 4 5 6 7 8 (3+4+5+6+7)

1. Total loans and receivables (1a+1b+1c+1d+1e+1f) 0 1.a Loans from banks and clients 0 1.b Funds and deposits from banks 0 1.c Interest rate 0 1.d Factoring and forfaiting 0 1.e Bank receivables on acceptances, guarantees and bills of exchange outstanding 0 1.f Accruals and prepayments 0
2. Investment securities 0
3. Investments in associates, joint ventures under equity method and subsidiaries 0
4. Other asset items for which provisions are established 0
5. Assets for which loan loss provisions are established (1+2+3+4) 0
6. Calculated regulatory loan loss reserves (1a+1b+1c+1d+1e+1f) 0
7. Value adjustments for loan losses for positions: 1a+1b+1c+1d+1e+1f 0
8. Required regulatory reserves from income for estimated loan losses (6-7) 0
9. Calculated regulatory reserves for losses on other asset items (2,3,4) 0
10. Value adjustment for other asset items (2,3,4 ) 0
11. Required regulatory reserves from income for estimated asset losses (9-10) 0
12. Total calculated regulatory loan loss provisions and other asset items (6+9) 0
13. Total value adjustment for loans and other asset items (7+10) 0
14. Total required regulatory reserves from income for estimated loan and asset losses (8+11) 0
15. Special regulatory reserves from income for estimated asset losses (account 3025) 0
16. Amount of lacking reserves (14-15) 0
17. On-balance sheet assets for which reserves for estimated losses are not established 0
18. Total assets: (5+17) 0
19. Total assets: (18-13) 0 No. Collateral by categories A B C D E TOTA L
20. Loans or portion of loans secured by cash collateral 0
21. Loans or portion of loans secured by other collateral with code 0
22. Other placements secured by cash collateral 0
23. Other placements secured by other eligible collateral (code) 0 Note

• Total amount must be equal to the position 18 in the Form M-BS Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ REPORT ON OFF-BALANCE SHEET ASSET CLASSIFICATION FORM M-KA2 Asset classification (000 €) No Off-balance sheet asset items Cash collateral Other collateral Classification Total A B C D E 1 2 3 4 5 6 7 8 (3+4+5+6+7)

1. Guarantees issued 0
2. Credit obligations given (approved, unused loans) 0
3. Bill of exchange securities and bill of exchange acceptances 0
4. Other sureties 0
5. Uncovered letter of credits 0
6. Other balance sheet items for which the reserves are established 0
7. Off balance sheet for which loan loss provisions are established (1+2+3+4+5+6) 0
8. Calculated regulatory reserves on off balance sheet items 0
9. Reserves for losses on off-balance sheet 0
10. Required regulatory reserves for losses on off balance sheet (8-9) 0
11. Special regulatory reserves for losses on off-balance sheet (account 3025) 0
12. Amount of lacking reserves on off-balance sheet (10-11) 0
13. Off balance sheet assets for which reserves for estimated losses are not established 0
14. Total off-balance sheet: (7+13) 0 no Collateral by categories A B C D E UKUPNO
15. Off-balance sheet items secured by cash collateral 0
16. Off-balance sheet items secured by other eligible collateral (code) 0 Note

• Total off-balance sheet must be equal to the position 11 in the Form BS-VB Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number/ REPORT ON CLASSIFICATION OF ASSETS AND LIST OF NON-PERFORMING ASSETS FORM M-KNA_B No Debtor's name Loans Funds and deposits with banks Interest rate Factoring and forfaiting Other receivables Total Total calculated regulatory reserves for loan losses and other asset items adjustment for loans and other asset items Total required regulatory reserves from income for estimated loan and asset losses Special regulatory reserves from income for estimated asset losses (account 3025) Amount of lacking reserves   Categories C,D and E Collateral Code of collateral 1 2 1 2 3 4 5 6 (1+2+3+4+5) 7 8 9 (7-8) 10 11=9-10 12 13 14

1. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. OTHERS C 0
24. OTHERS D 0
25. OTHERS E 0 Total 0 Note: Table represents sum of categories C, D and E from the Form KA1 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CLASSIFICATION OF OFF-BALANCE SHEET AND LIST OF NON-PERFORMING BALANCE SHEET ASSETS FORM M-KNA_VB No. Debtor Guarantees Letters of credit s based on non￾performing off-balance sheet commitmen Other Off-balance sheet total regulatory reserves on off-balance sheet items provisions on off￾balance sheet regulatory reserves for losses on off￾balance sheet (6 -7) reserves for losses on off￾balance sheet (account Amount of lacking reserves Categories C,D and E Collateral Code of collateral 1 2 1 2 3 4 5 (1+2+3+4) 6 7 8 (6-7) 9 10 (8-9) 11 12 13

1. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. OTHERS C 0
24. OTHERS D 0
25. OTHERS E 0 Total 0 Note: Table represents sum of categories C, D and E from the Form KA2 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON BORROWINGS FORM 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. Others Total 0 0 Note: Total amount must be equal to the position A) total in the Form M-P Total amount must be equal to the sum of the positions 16a and 16b in the Form BS1 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON BORROWINGS TAKEN FORM M-P (000 €) EUR Other foreign currencies Total No. Position TOTAL: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year A Borrowings 0

1. Central Bank of Montenegro 0
2. Other central banks 0
3. Banks, residents 0
4. Banks, non-residents 0
5. Other depository institutions, residents 0
6. Other depository institutions / other financial institutions, non-residents 0
7. Government of Montenegro 0
8. Others 0 B Interest payables 0 C Accruals and prepayments 0 D TOTAL: (A + B + C) 0 NOTE: Total amount A must be equal to the sum of the positions 14, 16a and 16b in the Form BS1 Total amount D must be equal to the sum of the positions 19 and 20 in the Form BS

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ REPORT ON MATURITY MATCH OF ASSETS AND LIABILITIES FORM M-RU a) Residual 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 banks 0 1.a Cash and cash equivalents 0 1.b Funds with banks 0
2. Loans 0
3. Held-for-trading financial assets 0
4. Available-for-sale securities 0
5. Held-to-maturity securities 0
6. Derivative financial assets as hedging instruments 0
7. Other assets carried at fair value through profit and loss 0
8. Other receivables 0 Total 0 II Financial liabilities in the balance sheet 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
9. Total borrowings 0 1.a Borrowings from Government 0 1.b Borrowings from investment and development fund 0 1.c Borrowings from ther credit and financial institutions 0 1.d Interest payables and prepayments and accruals 0
10. Issued debt securities 0 2.a Interest payables and prepayments and accruals 0
11. Held-for-trading financial liabilities 0 3.a Interest payables and prepayments and accruals 0
12. Financial liabilities carried at fair value through profit or loss 0 4.a Interest payables and prepayments and accruals 0
13. Derivative financial liabilities as hedging instruments 0 5.a Interest payables and prepayments and accruals 0
14. Other matured liabilities 0
15. Subordinated debts 0 Total : 0 III DIFFERENCE : 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
16. Maturity gap I-II 0
17. Cumulative gap 0 % of total sources of funds

b) Prema očekivanom dospijeću 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 banks 0 1.a Cash and cash equivalents 0 1.b Funds with banks 0

2. Loans 0

3. Held-for-trading financial assets 0

4. Available-for-sale securities 0

5. Held-to-maturity securities 0

6. Derivative financial assets as hedging instruments 0

7. Other assets carried at fair value through profit and loss 0

8. Other receivables 0 Total : 0 II Financial liabilities in the balance sheet 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

9. Total borrowings 0 1.a Borrowings from Government 0 1.b Borrowings from investment and development fund 0 1.c Borrowings from ther credit and financial institutions 0 1.d Interest payables and prepayments and accruals 0

10. Issued debt securities 0 2.a Interest payables and prepayments and accruals 0

11. Held-for-trading financial liabilities 0 3.a Interest payables and prepayments and accruals 0

12. Financial liabilities carried at fair value through profit or loss 0 4.a Interest payables and prepayments and accruals 0

13. Derivative financial liabilities as hedging instruments 0 5.a Interest payables and prepayments and accruals 0

14. Other matured liabilities 0

15. Subordinated debts 0 Total : 0 III DIFFERENCE : 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years

16. Maturity gap I-II 0

17. Cumulative gap 0 % of total sources of funds Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / BALANCE SHEET FORM BS (000 €) No. ASSETS

1. Cash and deposit accounts with central banks
2. Loans and receivables from banks
3. Loans and receivables from clients
4. Available-for-sale assets
5. Held-for-trading financial assets
6. Other asets carried at fair value through profit or loss
7. Derivative financial assets as hedging instruments
8. Investment securities 8.a.

• available for sale 8.b. - held to maturity

9. Investments in associates and joint ventures at equity method

10. Investments in subsidiaries

11. Investment properties

12. Property, plan and equipment

13. Intangible assets

14. Current tax assets

15. Deferred tax assets

16. Other financial receivables

17. Other business receivables

18. TOTAL ASSETS: LIABILITIES

19. Borrowings from banks

20. Borrowings from other clients

21. Held-for-trading financial liabilities

22. Financial liabilities carried at fair value through profit or loss

23. Derivative financial liabilities as hedging instruments

24. Issued debt securities

25. Provisions

26. Current tax liabilities

27. Deferred tax liabilities

28. Other liabilities

29. Subordinated debt

30. TOTAL LIABILITIES: CAPITAL

31. Share capital

32. Issue premiums

33. Retained earnings

34. Current year profit/loss

35. Other reserves

36. Donated capital/holdings

37. Non-controlling interests in equity

38. TOTAL CAPITAL: (31 to 37)

39. TOTAL LIABILITIES AND CAPITAL: (30 + 38) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /   

/ MFI name/ / ID number / BALANCE SHEET FORM BS1 (000 €) No. ASSETS

1. Cash and deposit accounts with banks and other depository institutions 1.a. Cash and non interest-bearing deposits 1.b. Interest-bearing deposits 1.c. Client’s funds from custody operations
2. Trading and available for sale assets, not stocks, and assets carried at fair value through profit or loss 2.a. Trading assets, not stocks 2.b. Available for sale assets, not stocks 2.c. Derivative financial assets held for trading 2.d. Derivative financial assets as hedging instruments (fair value) 2.e. Securities carried at fair value through profit or loss
3. Securities purchased under agreement to resell
4. Loans and lease operations 4.a. Less: Value adjustment of loans 4.b. Loans and lease operations, net of loss provisions
5. held to maturity Securities
6. Factoring and forfaiting
7. Receivables from custody operations
8. Business premise and other fixed assets
9. Non-current assets held for sale
10. Equity investments
11. Other assets
12. LESS: Value adjustment of other assets (except position 4.a.)
13. TOTAL ASSETS: LIABILITIES
14. Securities sold under agreement to repurchase
15. Liabilities based on custody operations
16. Liabilities on loans and securities issued (borrowings) 16.a. Short-term borrowings - less than one year 16.b. Long-term borrowings - over one year 16.c. Liabilities on securities issued
17. Financial liabilities carried at fair value through profit and loss
18. Derivative financial liabilities held for trading (fair value)
19. Derivative financial liabilities used as hedging instruments (fair value)
20. Other liabilities
21. Provisions for loan losses on off-balance sheet exposures
22. Subordinated debt and hybrid instruments
23. TOTAL LIABILITIES:
24. MINORITY SHAREHOLDERS’ INTEREST CAPITAL
25. Share capital
26. Issue premiums
27. Retained earnings
28. Current year profit/loss
29. Other reserves
30. Donated capital
31. TOTAL CAPITAL: (25 to 30)
32. TOTAL LIABILITIES AND CAPITAL: (23 + 24 + 31)

Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / PROFIT AND LOSS STATEMENT FORM BU (000 €) POSITION

1. Interest income and similar income
2. Interest expense and similar expenses
3. NET INTEREST INCOME (1- 2)
4. Income from dividends
5. Allowances for impairment
6. Provision expenses
7. Fee and commission income
8. Fee and commission expense
9. NET FEE AND COMMISSION INCOME (7- 8)
10. Net gains/losses from financial instruments held for trading
11. Net gains/losses from financial instruments carried at fair value through profit and loss
12. Net gains/losses from investment securities
13. Change in fair value in hedge accounting
14. Net gains/losses from FX revaluation
15. Employee expenses
16. Overhead and administrative expenses
17. Depreciation expenses
18. Other expenses
19. Other income
20. OPERATING PROFIT (3+4-5-6+9+10+11+12+13+14-15-16-17-18+19)
21. Profit tax
22. NET PROFIT/LOSS (20 - 21) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON OTHER COMPREHENSIVE INCOME FORM M-UOR (000 €) No. Position Total:

1. Net profit/loss 0

2. Other comprehensive income (3+4+7+10+11-12) 0

3. Items relating for foreign exchange changes

4. Net profit / loss based on available for sale financial assets 0

5. Unrealised net gains/losses based on available for sale financial assets, before tax

6. Net reclassification adjustments relating to realised net gains/losses, before tax

7. Cash flow hedges 0

8. Net gains/losses relating to hedging instruments recognised directly through capital, before tax

9. Net reclassification adjustments relating to realised net gains/losses, before tax

10. Actuarial gains/losses relating to long-term employee benefits

11. Revaluation of property, plant and equipment

12. |Income tax relating to other comprehensive income components

13. TOTAL (1 - 2) 0 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON OFF-BALANCE SHEET RECORDS FORM M-BS_VB (000 €) No. Position 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. Collateral based on receivables
10. Other items of bank’s off-balance sheet exposure
11. Total
12. MEMORANDUM 12.1. Accrued interest 12.2. Other Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CASH AND DEPOSIT ACCOUNTS WITH CENTRAL BANKS FORM M-ND (000 €) No. Position EUR Foreign currency* Total: A Cash and deposits with central banks 0 1. Cash 0 2. Cash in the process of collection 0 3. Funds at settlement account with the Central Bank of Montenegro 0 4. Deposits with the Central Bank of Montenegro 0 5. Deposits with other central banks 0 B Value adjustment of cash and deposits with central banks 0 6. Value adjustment of cash and deposits with central banks 0 C Interest receivables and value adjustment of interest receivables 0 7. Receivables from invoiced interest: deposits 0 8. Value adjustments of interest receivables 0 D TOTAL: (A - B + C) 0 NOTE: Total amount must be equal to the position 1 in the Form BS

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CASH AND DEPOSITS ACCOUNTS WITH BANKS AND OTHER DEPOSITORY INSTITUTIONS FORM M-ND1 (000 €) No. Position EUR Foreign currency* Total:

1. Cash 0
2. Cash in process of collection 0
3. Funds at settlement account with the Central Bank of Montenegro 0
4. Funds at accounts with foreign banks (demand deposits) 0
5. Deposits with the Central Bank of Montenegro 0
6. Deposits with banks, residents 0
7. Deposits with other depository institutions, residents 0
8. Deposits with banks/other central banks/depository institutions, non-residents 0
9. Funds of clients from custody operations 0
10. TOTAL: 0 NOTE: Total amount must be equal to the position 1 in the Form BS1

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / FORM M-KL1 REPORT ON LOANS AND RECEIVABLES FROM BANKS AND OTHER CLIENTS (000 €) A) Deposits with banks and other depository institutions B) Gross loans 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 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) 9 10 11 12 13 (9+10+11+12- 14) 14 15 (13+14) 1 Banks, residents 2 Banks, 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 Companies engaged in financial activity, residents 8 Companies engaged in financial activity, non- residents 9 Private funds, residents 10 Funds, non-residents 11 State companies 12 Private companies 13 Entrepreneurs 14 Public services of local self-government units 15 Private companies - 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 Total A)* Total B)* F Interest receivables and value adjustment of interest receivables G Accruals and prepayments: interests and fees and value adjustment

FORM M-KL1 (000 €) C) Other receivables D) Value adjustment of gross loans E) Value adjustment of other receivables from banks and other clients Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreign currenc y *** TOTAL Up to 3 months From 3 months to 1 year From 1 to 3 years Over 3 years EUR Other foreig n curre ncy

---

TOTAL Up to 3 months From 3 month s to 1 year From 1 to 3 years Over 3 years EUR Other foreign currenc y *** TOTAL TOTAL 16 17 18 19 20(16+17+1 8+19-21) 21 22 (20+21) 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) Total C)* Total D) Total E) Total F) Total G)

No. Position Demand deposits Up to 3 months From 3 months up to 1 year From 1 to 3 years Over 3 years EUR Other foreign currency *** TOTAL A Deposits with banks and other depository institutions B Gross loans C Other receivables D Value adjustment of gross loans E Value adjustment of other receivables from banks and other clients F Interest receivables and value adjustment of interest receivables G Accruals and prepayments of interests and fees and value adjustment H TOTAL (A+B+C-D-E+F+G) NOTE:

• Total amount of A) + B) + C) must be equal to the position 2 in the Form BS1 **Foreign currencies denominated in EUR as at reporting date
• Total of H must be equal to the positions 2a,2b,3a,3b,4a,4b,5a and 5b in the Form BS C Other receivables D Value adjustment of gross loans E Value adjustment of other receivables from banks and other clients F Interest receivables and value adjustment of interest receivables G Accruals and prepayments of interests and fees and value adjustment H TOTAL (A+B+C-D-E+F+G) NOTE:
• Total amount of A) + B) + C) must be equal to the position 2 in the Form BS2 ** Foreign currencies denominated in EUR as at reporting date
• Total of H must be equal to the positions 2a,2b,3a,3b,4a,4b,5a and 5b in the Form BS

/ MFI name / /ID number REPORT ON STRUCTURE OF LOANS AND OTHER RECEIVABLES BY PURPOSE FORM M – SKN A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables No. Loan purpose Up 3 months From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 month s From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 mont hs From 3 months to 1 year From 1 to 3 years Over 3 years Total Up 3 month s From 3 months to 1 year From 1 to 3 years Over 3 years Total 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-earmarked) loans 10 Residential loans 11 Credit cards 12 Overdraft 13 Other 14 TOTAL TOTAL A* TOTAL B** TOTA L C*** TOTAL D**** E Interest receivables and value adjustment of interest receivables TOTAL E) F Value adjustments of interests and fees and value adjustment TOTAL F) No. Summary Up 3 months From 3 months to 1 year From 1 to 3 years Over 3 years TOTAL A Gross loans 0 B Other receivables 0 C Value adjustment of gross loans 0 D Value adjustment of other receivables 0 E Interest receivables and value adjustment of interest receivables 0 F Value adjustments of interest and fees and value adjustment 0 G TOTAL (A+B-C-D+E+F) 0 Note:

• Total amount A must be equal to total amount B) in the Form M-KL1 i.e. position 4 in the Form BS1 **** Total amount D must be equal to total amount E) in the Form M-KL1 ** Total amount B must be equal to total amount A) + C) in the Form M-KL1 ***** Total amount G must be equal to sum of the positions 2 and 3 in the Form BS *** Total amount C must be equal to total amount D) in the Form M-KL1 Prepared by / name and family name /signature /phone number of authorised person / Approved by / name and family name /signature /phone number of authorised person /

/ MFI name / /ID number/ REPORT ON LOANS AND OTHER RECEIVABLES FROM NATURAL PERSONS FORM M-KFL (€ 000) A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables No. Type of loan Number of sub￾account s Up to 3 month s From 3 month s to 1 year From 1 to 3 years Over 3 years Total Number of sub￾accounts Up to 3 month s From 3 month s to 1 year From 1 to 3 years Over 3 years Total Up to 3 month s From 3 month s 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 I Cash - non￾earmarked II Earmarked 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 Total A* Total B** Total C*** Total D**** Note:

• Total amount A must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category B) gross loans) ** Total amount B must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category C) other receivables) *** Total amount C must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category D) value adjustment of gross loans) **** Total amount D must be equal to the sum of positions 24, 25, 26 and 27 in the Form M-KL1 (category E) value adjustment of other receivables) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number REPORT ON NON-FINANCIAL SECTOR LOANS AND OTHER RECEIVABLES BY INDUSTRIES FORM M-KD (000 €) A) Gross loans B) Other receivables C) Value adjustment of gross loans D) Value adjustment of other receivables Up to 1 year Over 1 year Total loans Up to 1 year Over 1 year Total other receivable s Up to 1 year Over 1 year Total C Up to 1 year Over 1 year Total D EUR Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y EU R Other foreign currenc y No. Industry 1 2 3 4 5 (1+2+3+4 ) 6 7 8 9 10 (6+7+8+9) 11 12 13 14 15 (11+12+13+14 ) 16 17 18 19 20 (16+17+18+19 ) 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

Up to 1 year Over 1 year TOTAL No. 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 escrow account EUR 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 F) must be equal to total amount of F) in the Form M-KL1

• Total amount A) must be equal to total amount of B) in the Form M-KL1 ******* Total amount G) must be equal to total amount of 2a,2b,3a,3b,4a,4b,5a and 5b in the Form M-BS ** Total amount B) must be equal to total amount of A) + C) in the Form M-KL1 ******** Total amount H) must be equal the position F in the Form M-D *** Total amount C) must be equal to total amount of D) in the Form M-KL1 ********* Total amount I) must be equal the position C in the Form M-D **** Total amount D) must be equal to total amount of E) in the Form M-KL1 ********** Total amount J) must be equal the position D in the Form M-D ***** Total amount E) must be equal to total amount of E) in the Form M-KL1 ************ Total amount K) must be equal the position 17 a,17b,18a,18b,19a and 19b in the Form BS Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON PAST DUE LOANS AND RECEIVABLES FROM BANKS AND OTHER CLIENTS A) Deposits with banks 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 Banks, residents 0 0 2 Banks, 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 Companies engaged in financial activity, residents 0 0 8 Companies engaged in financial activity, non-residents 0 0 9 Private funds, residents 0 0 10 Funds, non-residents 0 0 11 State companies 0 0 12 Private companies 0 0 13 Entrepreneurs 0 0 14 Public services of local self-government units 0 0 15 Private companies - 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

FORM M-BSK1 (€ 000) C) Other receivables D) Value adjustment of gross loans E) Value adjustment of other receivables from banks and other clients 31-90 days past due other receivables Other 91-270 days past due other receivables 271-365 days past due other receivables Over 365 days past due other 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 31-90 days past due other receivables 91-270 days past due other receivables 271-365 days past due other receivables 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+23+24) 0

R.br. Summary From 31 to 90 days From 91 to 270 days From 271 to 365 days Over 365 days TOTAL A Deposits with banks 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 banks and other clients 0 F Interest receivables and value adjustment of interest receivables 0 G Accruals and prepayment: interest and fees and value adjustment 0 H TOTAL (A+B+C-D-E+F+G) 0 NOTE: Past due loans or lease operations where repayment of principal or interest tranche (instalment) is more than 31 days past due, and/or where repayment of principal or interest is past due 31 days and over Prepared by / name and family name /signature /phone number of authorised person / Approved by / name and family name /signature /phone number of authorised person /

/ MFI name / /ID number/ REPROT ON ASSET CLASSIFICATION FORM M-KA1 Asset classification (000 €) No. Balance sheet asset items Cash collateral Other collateral Classification Total A B C D E 1 2 3 4 5 6 7 8 (3+4+5+6+7)

1. Total loans and receivables (1a+1b+1c+1d+1e+1f) 0 1.a Loans from banks and clients 0 1.b Funds and deposits from banks 0 1.c Interest rate 0 1.d Factoring and forfaiting 0 1.e Bank's receivables on unsettled sureties, guarantees and bills of exchange 0 1.f Accruals and prepayments 0
2. Investment securities 0
3. Investments in associates, joint ventures under equity method and subsidiaries 0
4. Other asset items for which provisions are established 0
5. Assets for which loan loss provisions are established (1+2+3+4) 0
6. Calculated regulatory loan loss provisions (1a+1b+1c+1d+1e+1f) 0
7. Value adjustments for loan losses (1a+1b+1c+1d+1e+1f) 0
8. Required regulatory reserves from income for estimated loan losses (6-7) 0
9. Calculated regulatory reserves for losses on other asset items (2,3,4) 0
10. Value adjustment for other asset items (2,3,4 ) 0
11. Required regulatory reserves from income for estimated asset losses (9-10) 0
12. Total calculated regulatory loan loss provisions and other asset items (6+9) 0
13. Total value adjustment for loans and other asset items (7+10) 0
14. Total required regulatory reserves from income for estimated loan and asset losses (8+11) 0
15. Special regulatory reserves from income for estimated asset losses (account 3025) 0
16. Amount of lacking reserves (14-15) 0
17. On-balance sheet assets for which reserves for estimated losses are not established 0
18. Total assets: (5+17) 0
19. Total assets: (18-13) 0 No. Collateral by categories A B C D E UKUP NO
20. Loans or portion of loans secured by cash collateral 0
21. Loans or portion of loans secured by other collateral with code 0
22. Other placements secured by cash collateral 0
23. Other placements secured by other eligible collateral (code) 0 Note

• Total amount must be equal to the position 18 in the Form M-BS Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ REPORT ON OFF-BALANCE SHEET ASSET CLASSIFICATION FORM M-KA2 Asset classification (000 €) No. Off-balance sheet asset items Cash collateral Other collateral Classification Total A B C D E 1 2 3 4 5 6 7 8 (3+4+5+6+7)

1. Guarantees issued 0
2. Credit obligations given (approved, unused loans) 0
3. Bill of exchange securities and bill of exchange acceptances 0
4. Other sureties 0
5. Uncovered letter of credits 0
6. Other balance sheet items for which the reserves are established 0
7. Off balance sheet for which loan loss provisions are established (1+2+3+4+5+6) 0
8. Calculated regulatory reserves on off balance sheet items 0
9. Reserves for losses on off-balance sheet 0
10. Required regulatory reserves for losses on off balance sheet (8-9) 0
11. Special regulatory reserves for losses on off-balance sheet (account 3025) 0
12. Amount of lacking reserves on off-balance sheet (10-11) 0
13. Off balance sheet assets for which reserves for estimated losses are not established 0
14. Total off=-balance sheet: (7+13) 0 no Collateral by categories A B C D E UKUPNO
15. Off-balance sheet items secured by cash collateral 0
16. Off-balance sheet items secured by other eligible collateral (code) 0 Note

• Total off-balance sheett must be equal to the position 11 in the Form BS-VB Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number/ REPORT ON CLASSIFICATION OF ASSETS AND LIST OF NON-PERFORMING ASSETS FORM M-KNA_B No Debtor's name Loans Funds and deposits with banks Interest rate Factoring and forfaiting Other receivables Total Total calculated regulatory reserves for loan losses and other asset items adjustment for loans and other asset items Total required regulatory reserves from income for estimated loan and asset losses Special regulatory reserves from income for estimated asset losses (account 3025) Amount of lacking reserves   Categories C,D and E Collateral Code of collateral 1 2 1 2 3 4 5 6 (1+2+3+4+5) 7 8 9 (7-8) 10 11=9-10 12 13 14

1. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. OTHERS C 0
24. OTHERS D 0
25. OTHERS E 0 Total 0 Note: Table represents sum of categories C, D and E from the Form KA1 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON CLASSIFICATION OF OFF-BALANCE SHEET AND LIST OF NON-PERFORMING BALANCE SHEET ASSETS FORM M-KNA_VB No. Debtor Guarantees Letters of credit s based on non￾performing off-balance sheet commitmen Other Off-balance sheet total regulatory reserves on off-balance sheet items provisions on off￾balance sheet regulatory reserves for losses on off￾balance sheet (6 -7) reserves for losses on off￾balance sheet (account Amount of lacking reserves Categories C,D and E Collateral Code of collateral 1 2 1 2 3 4 5 (1+2+3+4) 6 7 8 (6-7) 9 10 (8-9) 11 12 13

1. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. OTHERS C 0
24. OTHERS D 0
25. OTHERS E 0 Total 0 Note: Table represents sum of categories C, D and E from the Form KA2 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON BORROWINGS FORM 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. Others Total 0 0 Note: Total amount must be equal to the position A) total in the Form M-P Total amount must be equal to the sum of the positions 16a and 16b in the Form BS1 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON BORROWINGS TAKEN FORM M-P (000 €) EUR Other foreign currencies Total No. Position TOTAL: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year A Borrowings 0

1. Central Bank of Montenegro 0
2. Other central banks 0
3. Banks, residents 0
4. Banks, non-residents 0
5. Other depository institutions, residents 0
6. Other depository institutions / other financial institutions, non-residents 0
7. Government of Montenegro 0
8. Others 0 B Interest payables 0 C Accruals and prepayments 0 D TOTAL: (A + B + C) 0 NOTE: Total amount A must be equal to the sum of the positions 14, 16a and 16b in the Form BS1 Total amount D must be equal to the sum of the positions 19 and 20 in the Form BS

• Foreign currencies denominated in EUR as at reporting date Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ REPORT ON MATURITY MATCH OF ASSETS AND LIABILITIES FORM M-RU a) Residual 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 banks 0 1.a Cash and cash equivalents 0 1.b Funds with banks 0
2. Loans 0
3. Held-for-trading financial assets 0
4. Available-for-sale Securities 0
5. Held-to-maturity securities 0
6. Derivative financial assets as hedging instruments 0
7. Other assets carried at fair value through profit and loss 0
8. Other receivables 0 Total 0 II Financial liabilities in the balance sheet 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
9. Total borrowings 0 1.a Borrowings from Government 0 1.b Borrowings from investment and development fund 0 1.c Borrowings from ther credit and financial institutions 0 1.d Interest payables and prepayments and accruals 0
10. Issued debt securities 0 2.a Interest payables and prepayments and accruals 0
11. Held-for-trading financial liabilities 0 3.a Interest payables and prepayments and accruals 0
12. Financial liabilities carried at fair value through profit or loss 0 4.a Interest payables and prepayments and accruals 0
13. Derivative financial liabilities as hedging instruments 0 5.a Interest payables and prepayments and accruals 0
14. Other matured liabilities 0
15. Subordinated debts 0 Total : 0 III DIFFERENCE : 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
16. Maturity gap I-II 0
17. Cumulative gap 0 % of total sources of funds

b) Expected maturity 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 banks 0 1.a Cash and cash equivalents 0 1.b Funds with banks 0
2. Loans 0
3. Held-for-trading financial assets 0
4. Available-for-sale Securities 0
5. Held-to-maturity securities 0
6. Derivative financial assets as hedging instruments 0
7. Other assets carried at fair value through profit and loss 0
8. Other receivables 0 Total : 0 II Financial liabilities in the balance sheet 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
9. Total borrowings 0 1.a Borrowings from Government 0 1.b Borrowings from investment and development fund 0 1.c Borrowings from ther credit and financial institutions 0 1.d Interest payables and prepayments and accruals 0
10. Issued debt securities 0 2.a Interest payables and prepayments and accruals 0
11. Held-for-trading financial liabilities 0 3.a Interest payables and prepayments and accruals 0
12. Financial liabilities carried at fair value through profit or loss 0 4.a Interest payables and prepayments and accruals 0
13. Derivative financial liabilities as hedging instruments 0 5.a Interest payables and prepayments and accruals 0
14. Other matured liabilities 0
15. Subordinated debts 0 Total : 0 III DIFFERENCE : 1 - 7 8 - 15 16 - 30 31 - 90 91 - 180 181 - 365 1 - 5 Over 5 TOTAL days years years
16. Maturity gap I-II 0
17. Cumulative gap 0 % of total sources of funds Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / EXTENSION OF REPAYMENT PERIOD FOR PRINCIPAL OR INTEREST FORM PRK_I (000 €) No. Description of restructuring Loans Interest rate Other Interest rate Value adjustment of restructured loans Regulatory reserves 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. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. 0 0
24. 0 0
25. 0 0
26. 0 0
27. 0 0
28. 0 0
29. 0 0
30. 0 0
31. 0 0
32. 0 0
33. 0 0
34. 0 0
35. 0 0
36. 0 0
37. 0 0
38. Total restructured – category A 0 0
39. Total restructured – category B 0 0
40. Total restructured – category C 0 0
41. Total restructured – category D 0 0
42. Total restructured – category E 0 0 Total (A+B+C+D+E) * 0 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 MFI Total restructured loans in the category B include all restructured loans in category B under requested basis of such MFI Total restructured loans in the category C include all restructured loans in category C under requested basis of such MFI Total restructured loans in the category D include all restructured loans in category D under requested basis of such MFI Total restructured loans in the category E include all restructured loans in category E under requested basis of such MFI Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPLACEMENT OF THE EXISTING LOAN(S) BY NEW LOAN FORMl PRK_II (000 €) No. Description of restructuring Loans Interest rate Other Interest rate Value adjustment of restructured loans Regulatory reserves 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. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. 0 0
24. 0 0
25. 0 0
26. 0 0
27. 0 0
28. 0 0
29. 0 0
30. 0 0
31. 0 0
32. 0 0
33. 0 0
34. 0 0
35. 0 0
36. 0 0
37. 0 0
38. Total restructured – category A 0 0
39. Total restructured – category B 0 0
40. Total restructured – category C 0 0
41. Total restructured – category D 0 0
42. Total restructured – category E 0 0 Total (A+B+C+D+E) * 0 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 MFI Total restructured loans in the category B include all restructured loans in category B under requested basis of such MFI Total restructured loans in the category C include all restructured loans in category C under requested basis of such MFI Total restructured loans in the category D include all restructured loans in category D under requested basis of such MFI Total restructured loans in the category E include all restructured loans in category E under requested basis of such MFI Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ OTHER SIMILAR ARRANGEMENTS FACILITATING THE DEBTOR’S FINANCIAL POSITION FORM PRK_III (000 €) No. Description of restructuring Loans Interest rate Other Interest rate Value adjustment of restructured loans Regulatory reserves 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. 0 0
2. 0 0
3. 0 0
4. 0 0
5. 0 0
6. 0 0
7. 0 0
8. 0 0
9. 0 0
10. 0 0
11. 0 0
12. 0 0
13. 0 0
14. 0 0
15. 0 0
16. 0 0
17. 0 0
18. 0 0
19. 0 0
20. 0 0
21. 0 0
22. 0 0
23. 0 0
24. 0 0
25. 0 0
26. 0 0
27. 0 0
28. 0 0
29. 0 0
30. 0 0
31. 0 0
32. 0 0
33. 0 0
34. 0 0
35. 0 0
36. 0 0
37. 0 0
38. Total restructured – category A 0 0
39. Total restructured – category B 0 0
40. Total restructured – category C 0 0
41. Total restructured – category D 0 0
42. Total restructured – category E 0 0 Total (A+B+C+D+E) * 0 Note: 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 MFI Total restructured loans in the category B include all restructured loans in category B under requested basis of such MFI Total restructured loans in the category C include all restructured loans in category C under requested basis of such MFI Total restructured loans in the category D include all restructured loans in category D under requested basis of such MFI Total restructured loans in the category E include all restructured loans in category E under requested basis of such MFI Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ STATISTICAL DATA FORM 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 MFI
11. Number of part time employees in the MFI
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 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON INTEREST RATE RISK FORM 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 0

2. Interest-bearing securities 0

3. Loans and other receivables 0

4. Other sensitive assets 0 Total 0 % 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 0

6. Interest-bearing borrowings 0

7. Subordinated debt and bonds 0

8. Other sensitive liabilities 0 Total 0 % 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 0

10. Cumulative gap - Positive/Negative 0 Cumulative gap / Total assets Prepared by / name and family name / signature / phone number of authorised person/ Approved by / name and family name / signature / phone number of authorised person/

/ MFI name / / ID number / OTHER ASSETS FORM BS-OA (000 €) No . Position Amount

1. Other financial receivables 1.1 Receivables from custody operations 1.2. Other assets 0 RECEIVABLES ON COMMISSIONS SUSPENSE ACCOUNT CHEQUES RECEIVABLES RECEIVABLES FROM PAYMENT CARDS OPERATIONS OTHER FINANCIAL RECEIVABLES OTHER RECEIVABLES

2. Other business receivables 2.1 Servicing rights 2.2. Other assets 0 OTHER BUSINESS RECEIVALBES PREPAID EXPENSES

3. Value adjustments

4. Total amount of other financial and business receivables 1+2 (gross principle)

Total amount of other financial and business receivables – must be equal to the positions 16 and 17 in the Balance sheet (4-3) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / OTHER LIABILITIES FORM BS - OO (000 €) No. Position Amount

1. Bank's liabilities on acceptances, guarantees and bills of exchange outstanding

2. Liabilities of companies and entrepreneurs on acceptances, guarantees and bills of exchange outstanding

3. Liabilities of Government on acceptances, guarantees and bills of exchange outstanding

4. Liabilities of other budget beneficiaries on acceptances, guarantees and bills of exchange outstanding

5. Liabilities of local self-government units and public services of local self-government units on acceptances, guarantees and bills of exchange outstanding

6. Liabilities of other financial institutions and organisations on acceptances, guarantees and bills of exchange outstanding

7. Liabilities of natural persons on acceptances, guarantees and bills of exchange outstanding

8. Suspense account

9. Accruals and prepayments: other

10. Deferred income

11. Accrued expenses

12. Prepayments on fees: other

13. Other liabilities CUSTODY OPERATIONS LIABILITIES PAYROLL DEDUCTIONS INVOICED LIABILITIES DEFERRED LIABILITIES

Total amount of other liabilities – must be equal to the amount of the positon 28 in the Balance sheet Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON NON-PERFORMING LOANS BY HOLDERS FORM NKN (000 €) C D E From the column Total loans and receivables distribute by currencies: Loans * Loans and receivables ** Loans * Loans and receivables ** Loans * Loans and receivables ** Total loans Total loans and receivables EUR 000 CHF 000 USD 000 Other 000 No. Holders 1 2 3 4 5 6 7 (1+3+5) 8 (2+4+6) 9 10 11 12 1 Banks, residents 0 0 2 Banks, non-residents 0 0 3 Other credit institutions, residents 0 0 4 Other credit institutions, non-residents 0 0 5 Financial institutions, residents 0 0 6 Financial institutions, non-residents 0 0 7 Companies engaged in financial activity, residents 0 0 8 Companies engaged in financial activity, non- residents 0 0 9 Private funds, residents 0 0 10 Private funds, non-residents 0 0 11 State companies engaged in non-financial activity 0 0 12 Private companies engaged in non-financial activity 0 0 13 Companies - non-residents 8 8 14 Entrepreneurs 3 3 15 Government of Montenegro 0 0 16 Other beneficiaries of the Budget of Montenegro 0 0 17 Regulatory agencies 0 0 18 State funds 0 0 19 Local self-government units 0 0 20 Public services of local self-government units 0 0 21 Non-government and other non-profit organisations, residents 0 0 22 Non-government and other non-profit organisations, non-residents 0 0 23 Natural persons, residents 0 0 24 Natural persons, non-residents 0 0 25 Credit cards, natural persons, residents 0 0 26 Credit cards, natural persons, non-residents 0 0 27 Credit cards, others, residents 0 0 28 Credit cards, others, non-residents 0 0 29 Other 0 0 30 Total 0 31 Value adjustments 0 0 NOTE:

• Loans must be the same as in the Form MKA1 position 1a (C, D, E) ** Loans and receivables must be the same as in the Form MKA1 positions 1a-1f (C, D, E) Prepremio / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / /ID number/ REPORT ON NON-PERFORMING LOANS BY INDUSTRIES FORM NKD (000 EUR) C D E From the column Total loans and receivables distribute by currencies: Loans * Loans and receivables ** Loans * Loans and receivables ** Loans * Loans and receivables ** Total loans Total loans and receivables EUR 000 CHF 000 USD 000 Other 000 No. Industry 1 2 3 4 5 6 7 (1+3+5) 8 (2+4+6) 9 10 11 12 I Legal persons, residents 0 1 Agriculture, forestry and fishing 0 0 2 Mining and quarrying 0 0 3 Manufacturing industry 0 0 4 Electricity supply 0 0 5 Water supply 0 0 6 Construction 0 0 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles 0 0 8 Transport and warehousing 0 0 9 Accommodation and food services 0 0 10 Information and communication 0 0 11 Financial and insurance activities 0 0 12 Real estate business 0 0 13 Professional, scientific and technical activities 0 0 14 Administrative and support service activities 0 0 15 Public administration, defence and compulsory social insurance 0 0 16 Education 0 0 17 Health and social welfare 0 0 18 Art, entertainment and recreational activities 0 0 19 Other service activities 0 0 20 Activities of households as employers 0 0 21 Activities of extra-territorial organisations and bodies 0 0 II Legal persons, non-residents 0 0 III Households, residents 0 0 IV Households, non-residents 0 0

• Total (I+II+III+IV) 0 NOTE:
• Loans must be the same as in the Form MKA1 position 1a (C, D, E) ** Loans and receivables must be the same as in the Form MKA1 positions 1a-1f (C, D, E) Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON PAST DUE LOANS AND RECEIVABLES FROM BANKS AND OTHER CLIENTS BY INDUSTRIES FORM BSK2 A) Desposits with banks and other depository institutions* B) Bruto krediti * C) Factoring and forfaiting * 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 A 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 B 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 C No. Industry 1 2 3 4 5 (1+2+3+4) 6 7 8 9 10 (6+7+8+9) 11 12 13 14 15 (11+12+13+14) I Legal persons, residents 0 1 Agriculture, forestry and fishing 0 2 Mining and quarrying 0 3 Manufacturing industry 0 4 Electricity supply 0 5 Water supply 0 6 Construction 0 7 Wholesale and retail trade, and repair of motor vehicles and motorcycles 0 8 Transport and warehousing 0 9 Accommodation and food services 0 10 Information and communication 0 11 Financial and insurance activities 0 12 Real estate business 0 13 Professional, scientific and technical activities 0 14 Administrative and support service activities 0 15 Public administration, defence and compulsory social insurance 0 16 Education 0 17 Health and social welfare 0 18 Art, entertainment and recreational activities 0 19 Other service activities 0 20 Activities of households as employers 0 21 Activities of extra-territorial organisations and bodies 0 II Legal persons, non-residents 0 III Households, residents 0 IV Households, non-residents 0

• Total (I+II+III+IV) 0 G Interest receivables and value adjustment of interest receivables 0 H Accruals and prepayments of interests and fees and value adjustment 0 31-90 days past due loans 91-270 days past due loans 271-365 days past due loans Over 365 days past due loans No. Summary TOTAL A Deposits with banks and other depository institutions 0 B Gross loans 0 C Factoring and forfaiting 0 D Other receivables 0 E Value adjustment of gross loans 0 F Value adjustment of other receivables from banks and other clients 0 G Interest receivables and value adjustment of interest receivables 0 H Accruals and prepayments of interests and fees and value adjustment 0 I TOTAL (A+B+C+D-E-F+G+H) ***** 0 NOTE:
• Gross amount
• Past due loans or lease operations where repayment if orincipal or interest tranche (instalment) is more than 31 days and/or where repayment of principal or insterst is 31 and beyond past due Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

(000 €) D) Other receivables * E) Value adjustment of gross loans F) Interest receivables and value adjustment of interest receivables 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 D 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 E 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 F 16 17 18 19 20 (16+17+18+19) 21 22 23 24 25 (21+22+23+24) 26 27 28 29 30 (26+27+28+29) 0

/ MFI name / / ID number / LIST OF OWNERS HOLDING OVER 10% OF SHARES FORM VL No. OWNER’S NAME-TITLE (by size) Amount (EUR 000) % of share Country ID number Code of activity 1 2 3 4 5 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total 10 largest owners Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

/ MFI name / / ID number / REPORT ON OPERATIONAL RISK FORM OR I Overview of Operational Risk Losses (000 €) No. Type of loss Amount Date of loss occurrence Cause of loss 1 2 3 6 1. 2. 3. 4. 5. 6. 7. TOTAL: 0 II Overview of MFI exposures to operational risk No . Type of risk MFI is exposed to Amount or level of risk Allocated reserves 1 2 3 1. 2. 3. 4. 5. 6. 7. TOTAL: 0 0 Prepared by / name and family name / signature / phone number of authorised person / Approved by / name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS-LD

Name of leasing company ID number

STATEMENT OF FINANCIAL POSITION (BALANCE SHEET) (EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 4 ASSETS 00 (part) A. UNPAID SUBSCRIBED CAPITAL 001 B. NON-CURRENT ASSETS 002 (003+004+005+009) .012 I. GOODWILL 003 .01 except .012 II. INTANGIBLE ASSETS 004 III PROPERTY, PLANT, EQUIPMENT AND BIOLOGICAL ASSETS (006+007+008) 005 020, 022, 023, 026, 027(part),028(part), .029 1. Property, plant, and equipment 006 024,027(part), 028(part) 2. Investment property 007 021,025,027(part), 028(part) 3. Biological assets 008 IV LONG-TERM FINANCIAL INVESTMENTS (010+011+012) 009 030,031(part), 032(part), 039(part) 1. Equity investments 010 031(part), 032(part) 2. Equity investments measured at equity method 011 032(part),033 to 038, 039(part) 3. Other long-term financial investments 012 288 C. DEFERRED TAX ASSETS 013 .04 D. NON-CURRENT ASSETS HELD FOR SALE AND ASSETS FROM DISCONTINUED OPERATIONS 014 E. CURRENT ASSETS (016+017) 015 10 to 13,15 I. INVENTORIES 016 II. SHORT-TERM RECEIVABLES, INVESTMENTS AND CASH (018 to 022) 017 20,21,22 except 223 1. Receivables 018 223 2. Receivables for overpaid income tax 019 23 minus 237 3. Short-term financial investments 020 24 4 Cash equivalents and cash 021 27 i 28 except 288 5. Value added tax and prepaid costs and accrued income 022 F. TOTAL ASSETS (001+002+013+014+015) 023

LIABILITIES AND CAPITAL 101 A. CAPITAL (102 to 109) 30 I. INITIAL CAPITAL 102 31 II. UNPAID SUBSCRIBED CAPITAL 103 32 III. RESERVES 104 330,331 and 333 IV. POSITIVE REVALUATION RESERVES AND UNREALISED GAINS FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 105 332 and 334 V. NEGATIVE REVALUATION RESERVES AND UNREALISED LOSSES FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 106 34 VI. RETAINED EARNINGS 107 35 VII. LOSS 108 237 VIII. SHARES AND OWN EQUITY REPURCHASE 109 B. LONG-TERM PROVISIONS AND AND LONG TERM LIABILITIES (111+112) 110 40 (part) I. LONG-TERM PROVISIONS 111 41 II. LONG-TERM LIABILITIES ( 113+114) 112 414, 415 1. Long-term loans 113 41 except 414,415 2. Other long-term liabilities 114 498 C. DEFERRED TAX LIABILITIES 115 D. SHORT-TERM PROVISIONS AND SHORT-TERM LIABILITIES (117+124) 116 I. SHORT-TERM LIABILITIES (118 to 123) 117 42, except 427 1. Short-term financial liabilities 118 427 2. Liabilities from assets held for sale and discontinued operations 119 43 and 44 3. Liabilities from business operations 120 45,46 and 49 except 498 4. Other short-term liabilities and accrued costs and deferred income 121 47,48 except 481 5. Liabilities derived from value added tax and other public revenues 122 481 6. Income tax payables 123 40 (part) II SHORT-TERM PROVISIONS 124 E. TOTAL LIABILITIES AND CAPITAL (101+110+115+116) 125

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM BSS-LD Name of leasing company ID number STATISTICAL BALANCE SHEET (u 000 EUR) No Position Principal receivable/payable Interest receivable/payable UKUPNO A ASSETS 1 2 3 (1+2) A1 Cash 0 A2 Deposits 0 A2.1 Transferable deposits 0 A2.2 Other deposits 0 A3 Receivables on finance lease and loans 0 A3.1 Value adjustment on finance lease and loans 0 A3.2 Recveivables on financial lease and loans, net 0 A4 Debt securities 0 A5 Shares/equities 0 A6 Trade credits and advances 0 A7 Other receivables 0 A8 Non-financial assets 0 A9 Value adjustment of other assets positions, except A3 0 A10 TOTAL ASSETS (A1+A2+A3.2+A4+A5+A6+A7+A8-A9) 0 P LIABILITIES AND CAPITAL P1 Loans received 0 P2 Issued debt securities 0 P3 Trade credits and advances 0 P4 Other liabilities 0 P5 Loans and reserves 0 P5.1 Shares 0 P5.2 Equities 0 P5.3 Retained earnings/loss 0 P5.4 Current year profit/loss 0 P5.5 Reserves 0 P6 TOTAL LIABILITIES AND CAPITAL (P1+P2+P3+P4+P5) 0 / name and family name / signature / phone number of authorised person / / name and family name / signature / phone number of authorised person /

Type of report: Final FORM BU-LD Name of leasing company Type of report: Final ID number

STATEMENT OF COMPREHENSIVE INCOME (PROFIT AND LOSS STATEMENT)

(u 000 EUR) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 5 I. OPERATING INCOME (202 to 206) 201 60 and 61 1. Sales revenue 202 62 2. Income from the use of own products, services and goods 203 630 3. Increase in inventory value of work in progress and finished products 204 631 4. Depreciation of inventory value of work in progress and finished products 205 64 and 65 5. Other operating income 206 II. OPERATING EXPENSES (208 to 212) 207 50 1. Costs of goods sold 208 51 2. Costs of material 209 52 3. Wages, salaries, and other employee benefits expenses 210 54 4. Costs of depreciation and provisions 211 53 and 55 5. Other operating expenses 212 A. OPERATING PROFIT / LOSS (201–207) 213 66 I. FINANCIAL REVENUES 214 56 II. FINANCIAL EXPENSES 215 B. FINANCIAL PROFIT / LOSS (214–215) 216 67, 68, 691 and 692 I. OTHER INCOME 217 57, 58, 591 and 592 II. OTHER EXPENSES 218 C. OTHER BUSINESS ACTIVITIES PROFIT / LOSS (217–218) 219 D. EARNINGS BEFORE TAXATION (213+216+219) 220 690 – 590 E. NET PROFIT / LOSS OF DISCONTINUED BUSINESS OPERATIONS 221 F. PROFIT / LOSS BEFORE TAXES (220+221) 222

G. OTHER PROFIT / LOSS RELATED ITEMS /ASSOCIATED WITH CAPITAL/ (224 to 228) 223

1. Changes in revaluation reserves in respect of available-for-sale financial assets 224
2. Changes in revaluation reserves in respect of property, plant, equipment and intangible assets 225
3. Changes in revaluation reserves in respect of investments in associates' equity 226
4. Changes in revaluation reserves in respect of actuarial gains (or losses) on defined benefit pension plans 227
5. Changes in revaluation reserves in respect of cash flow hedges 228 H. TAX EXPENSES FOR ACCOUNTING PERIOD (230+231) 229 721 1. Current income tax 230 722 2. Deferred tax income/expenses for the accounting period 231

I. NET PROFIT (LOSS) (222+223-229) 232 J. EARNINGS PER SHARE

1. Basic earnings per share 233

2. Diluted earnings per share 234

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM SPN-LD Name of leasing company ID number STRUCTURE OF RECEIVABLES BY SUBJECT OF LEASING AND BY LESSEES as at (EUR 000) No. DESCRIPTION Potfolio as at reporting date Outstanding receivables Matured receivables Total receivables EUR Other currencies Short-term receivables Long-term receivables Total outstanding receivables 1 2 3=1+2 4 5=3+4 8 9 A STRUCTURE BY SUBJECT OF LEASE

1. Passenger vehicles
2. Commercial vehicles (transport and passenger vehicles)
3. Machinery and equipment
4. Property
5. Rolling stock, vessels and aircrafts
6. Household appliances
7. Other
8. Total A - gross:
9. Value adjustments 10 TOTAL A - net (8-9) B STRUCTURE BY LESSEES
10. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Entrepreneurs – non-residents 5 Natural persons - residents 6 Natural persons – non-residents 7 Total B - gross:
11. Value adjustments
12. TOTAL B - net (7-8)

No. DESCRIPTION New contracts signed in the reporting period Number of contracts Contractual value 1 2 A STRUCTURE BY SUBJECT OF LEASE

1. Passenger vehicles
2. Commercial vehicles (transport and passenger vehicles)
3. Machinery and equipment
4. Property
5. Rolling stock, vessels and aircrafts
6. Household appliances
7. Other
8. Total A: B STRUCTURE BY LESSEES
9. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Entrepreneurs – non-residents 5 Natural persons - residents 6 Natural persons – non-residents 7 Total B: / name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM SD-LD Name of leasing company ID number STRUCTURE OF RECEIVABLES BY INDUSTRIES as at (EUR 000) No. DESCRIPTION Potfolio as at reporting date Outstanding receivables Matured receivables Total receivables EUR Other Short-term currencies receivables Long-term receivables Total outstanding receivables 1 2 3=1+2 4 5=3+4 8 9 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 A TOTAL (1+...+21) B NATURAL PERSONS - RESIDENTS C NON-RESIDENTS D TOTAL - gross A+B+C E Value adjustment F TOTAL - net D-E / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM KL-LD Name of leasing company ID number REPORT ON CLASSIFICATION OF RECEIVABLES by subject of leasing as at (EUR 000) No. DESCRIPTION A B1 B2 Total B C1 C2 Total C D E TOTAL Receivables 2+3 Receivables Receivables 5+6 Receivables 1 2 3 4 5 6 7 8 9 10 (1+4+7+8+9) FINANCE LEASE

1. Passenger vehicles

Commercial vehicles (transport and passenger vehicles) 3. Machinery and equipment 4. Property 5. Rolling stock, vessels and aircrafts 6. Household appliances 7. Other A Total - gross (1+2+3+4+5+6+7): B Value adjustment C Total A-B / Name and family name / signature / phone number of authorised person / Name and family name / signature / phone number of authorised person

Type of report: Final FORM NK-LD Name of leasing company ID number OVERVIEW OF 15 LARGEST LESSEES as at (EUR 000) No. LESSEE Subject of lease Balance of receivable Country Personal / company ID number Code of activity 1 2 3 4 5 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Total: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM P-LD Name of leasing company ID number REPORT ON BORROWINGS TAKEN as at (u 000 EUR) EUR Other currencies Total No. DESCRIPTION UKUPNO: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year 1 2 3 4 5=1+3 6=2+4 7=5+6 A Borrowings 1 Banks, residents 2 Banks, non-neresidents 3 Other deposit/financial institutions, residents 4 Other deposit/financial institutions, non-residents 5 Government of Montenegro 6 Others 7 Total A B Interest payables C Value adjustments D TOTAL: (A + B + C) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM VL-LD Name of leasing company ID number LIST OF OWNERS HOLDING OVER 10% OF SHARE as at No. OWNER’S NAME (by size) Amount (EUR 000) % of share Lessee YES/NO Country Personal / company ID number Code of activity 1 2 3 4 5 6 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total 10 largest owners / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS- ST

Name of leasing company ID number

STATISTICAL DATA (EUR 000) No. AVERAGE VALUES Amount I BALANCE SHEET ITEMS A ASSETS

1. Average amount of total assets B LIABILITIES 2 Average amount of total liabilities C CAPITAL 3 Average amount of total capital 4 Average amount of core capital II NUMBER OF EMPLOYEES

2. Full time employees

3. Part time employees

4. Number of employees according to accomplished effective working hours III NUMBER OF ORGANISATIONAL UNITS

5. Branch 2 Representative office 3 Sub-branch

/ Name and family name / signature / phone number of authorised person /

/ Name and family name / signature / phone number of authorised person /

Type of report: Final FORM PI-LD Name of leasing company ID number REPORT ON ASSETS ASSUMED as at (EUR 000) No. DESCRIPTION Balance sheet records Off-balance sheet records Total 1 2 3=1+2

1. Passenger vehicles
2. Commercial vehicles (transport and passenger vehicles)
3. Machinery and equipment
4. Property
5. Rolling stock, vessels and aircrafts
6. Household appliances
7. Other
8. Total / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM D-LD Name of leasing company ID number REPORT ON DEPOSITS BY SECTORS, CURRENCY AND MATURITY STRUCTURE (u 000 EUR) No DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivabl es Interest receivabl es TOTA Princip L al receiva bles Interest receiva bles Princip al receiva bles Interest receiva bles Princi pal receiv ables Intere st receiv ables Total Princi pal receiv ables Intere st receiv ables Princi pal receiv ables Intere st receiv ables Princip al receiva bles Intere st receiv ables Total Principal receivab les Interest receivabl es Principal receivabl es Interest receiva bles 1 Transferable deposits 0 1.1 Depository institutions, residents 0 1.2 Other financial institutions, residents 0 1.3 Non-residents 0 2 Other deposits 0 2.1 Depository institutions, residents 0 2.2 Other financial institutions, residents 0 2.3 Non-residents 0 3 (1+2 ) TOTAL DEPOSITS 0 3.1 Depository institutions, residents 0 3.2 Other financial institutions, residents 0 3.3 Non-residents 0

• Foreign currencies denominated in EUR as at reporting date Position 1 TOTAL principal receivables must be equal to the position A2.1, column 1 from the Form BSS-L Position 1 TOTAL interest receivables must be equal to the position A2.1, column 2 from the Form BSS-LD Position 2 TOTAL principal receivables must be equal to the position A2.2, column 1 from the Form BSS-LD Position 2 TOTAL interest receivables must be equal to the position A2.2, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM FL-LD Name of leasing company ID number REPORT ON FINANCE LEASE RECEIVABLES BY SECTORS, CURRENCY AND MATURITY STRUCTURE (u 000 EUR) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivabl es Interest receivabl es TOTAL Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions 0 Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 Natural persons 0 Entrepreneurs 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A3, column 1 from the Form BSS-LD Position 3 UKUPNO interest receivables must be equal to the position A3, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of leasing company REPORT ON DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITYSTRUCTURE Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A4, column 1 from the Form BSS-LD Position 3 UKUPNO interest receivables must be equal to the position A4, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of leasing company REPORT ON EQUITY SECURITIES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Shares Equities EUR Other foreign currencies* Total, shares EUR Other foreign currencies* Total, equities EUR Ot Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables total Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables total Principal receivables Interest receivables Principal receivab 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A5, column 1 from the Form BSS-LD Position 3 TOTAL interest receivables must be equal to the position A2, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of leasing company REPORT ON OTHER RECEIVABLES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Trade credits and advances O EUR Other foreign currencies* Total, trade credits and advances EUR Oth fore curren * Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Princ receiv s 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables, trade credits and advances must be equal to the position A6, column 1 from the Form BSS-LD Position 3 TOTAL interest receivables, trade credits and advances must be equal to the position A6, column 2 from the Form BSS-LD Position 3 TOTAL principal receivables, other receivables mora biti jednaka poziciji A7, column 1 from the Form BSS-LD Position 3 TOTAL interest receivables, other receivables mora biti jednaka poziciji A7, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM PS-LD Name of leasing company ID number REPORT ON LOANS RECEIVED BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOTAL Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 12 Financial sector 0 Depository institutions 0 Other financial institutions 0 13 General government 0 14+15 Other residents 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P1, column 1 from the Form BSS-LD Position 3 TOTAL interest payables must be equal to the position P1, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM HoV_P Name of leasing company ID num REPORT ON ISSUED DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 0 Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOT Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P2, column 1 from the Form BSS-LD Position 3 TOTAL interest payables must be equal to the position P2, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM OO-LD Name of leasing company ID number REPORT ON OTHER LIABILITIES BY SECTORS AND CURRENCY STRUCTURE (EUR 000) Sector code DESCRIPTION Trade credits and advances Other liabilities EUR Other foreign currencies* Total, trade credits and advances EUR Other foreign currencies* Total, other liabilities Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Total 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables, trade credits and advances must be equal to the position P3, column 1 from the Form BSS-LD Position 3 TOTAL interest payables, trade credits and advances must be equal to the position P3, column 2 from the Form BSS-LD Position 3 TOTAL principal payables, must be equal to the position P4, column 1 from the Form BSS-LD Position 3 TOTAL interest payables, must be equal to the position P4, column 2 from the Form BSS-LD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS-FD

Name of factoring company ID number STATEMENT OF FINANCIAL POSITION (BALANCE SHEET) (EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 4 ASSETS 00 (part) A. UNPAID SUBSCRIBED CAPITAL 001 B. NON-CURRENT ASSETS 002 (003+004+005+009) .012 I. GOODWILL 003 .01 except .012 II. INTANGIBLE ASSETS 004 III PROPERTY, PLANT, EQUIPMENT AND BIOLOGICAL ASSETS (006+007+008) 005 020, 022, 023, 026, 027(part),028(part), .029 1. Property, plant, and equipment 006 024,027(part), 028(part) 2. Investment property 007 021,025,027(part), 028(part) 3. Biological assets 008 IV LONG-TERM FINANCIAL INVESTMENTS (010+011+012) 009 030,031(part), 032(part), 039(part) 1. Equity investments 010 031(part), 032(part) 2. Equity investments measured at equity method 011 032(part),033 to 038, 039(part) 3. Other long-term financial investments 012 288 C. DEFERRED TAX ASSETS 013 .04 D. NON-CURRENT ASSETS HELD FOR SALE AND ASSETS FROM DISCONTINUED OPERATIONS 014 E. CURRENT ASSETS (016+017) 015 10 to 13,15 I. INVENTORIES 016 II. SHORT-TERM RECEIVABLES, INVESTMENTS AND CASH (018 to 022) 017 20,21,22 except 223 1. Receivables 018 223 2. Receivables for overpaid income tax 019 23 minus 237 3. Short-term financial investments 020 24 4 Cash equivalents and cash 021 27 i 28 except 288 5. Value added tax and prepaid costs and accrued income 022 F. TOTAL ASSETS (001+002+013+014+015) 023

LIABILITIES AND CAPITAL 101 A. CAPITAL (102 to 109) 30 I. INITIAL CAPITAL 102 31 II. UNPAID SUBSCRIBED CAPITAL 103 32 III. RESERVES 104 330,331 and 333 IV. POSITIVE REVALUATION RESERVES AND UNREALISED GAINS FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 105 332 and 334 V. NEGATIVE REVALUATION RESERVES AND UNREALISED LOSSES FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 106 34 VI. RETAINED EARNINGS 107 35 VII. LOSS 108 237 VIII. SHARES AND OWN EQUITY REPURCHASE 109 B. LONG-TERM PROVISIONS AND AND LONG TERM LIABILITIES (111+112) 110 40 (part) I. LONG-TERM PROVISIONS 111 41 II. LONG-TERM LIABILITIES ( 113+114) 112 414, 415 1. Long-term loans 113 41 except 414,415 2. Other long-term liabilities 114 498 C. DEFERRED TAX LIABILITIES 115 D. SHORT-TERM PROVISIONS AND SHORT-TERM LIABILITIES (117+124) 116 I. SHORT-TERM LIABILITIES (118 to 123) 117 42, except 427 1. Short-term financial liabilities 118 427 2. Liabilities from assets held for sale and discontinued operations 119 43 and 44 3. Liabilities from business operations 120 45,46 and 49 except 498 4. Other short-term liabilities and accrued costs and deferred income 121 47,48 except 481 5. Liabilities derived from value added tax and other public revenues 122 481 6. Income tax payables 123 40 (part) II SHORT-TERM PROVISIONS 124 E. TOTAL LIABILITIES AND CAPITAL (101+110+115+116) 125

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM BSS-FD Name of factoring company ID number STATISTICAL BALANCE SHEET (EUR 000) No Position Principal receivable/payable Interest receivable/payable UKUPNO A ASSETS 1 2 3 (1+2) A1 Cash 0 A2 Deposits 0 A2.1 Transferable deposits 0 A2.2 Other deposits 0 A3 Receivables on factoring 0 A3.1 Value adjustment on factoring 0 A3.2 Receivables on factoring, net 0 A4 Debt securities 0 A5 Shares/equities 0 A6 Trade credits and advances 0 A7 Other receivables 0 A8 Non-financial assets 0 A9 Value adjustment of other assets positions, except A3 0 A10 TOTAL ASSETS (A1+A2+A3.2+A4+A5+A6+A7+A8-A9) 0 P LIABILITIES AND CAPITAL P1 Loans received 0 P2 Issued debt securities 0 P3 Trade credits and advances 0 P4 Other liabilities 0 P5 Loans and reserves 0 P5.1 Shares 0 P5.2 Equities 0 P5.3 Retained earnings/loss 0 P5.4 Current year profit/loss 0 P5.5 Reserves 0 P6 TOTAL LIABILITIES AND CAPITAL (P1+P2+P3+P4+P5) 0 / name and family name / signature / phone number of authorised person / / name and family name / signature / phone number of authorised person /

Type of report: Final FORM BU-FD

Name of factoring company ID number

STATEMENT OF COMPREHENSIVE INCOME (PROFIT AND LOSS STATEMENT)

(EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 5 I. OPERATING INCOME (202 to 206) 201 60 and 61 1. Sales revenue 202 62 2. Income from the use of own products, services and goods 203 630 3. Increase in inventory value of work in progress and finished products 204 631 4. Depreciation of inventory value of work in progress and finished products 205 64 and 65 5. Other operating income 206 II. OPERATING EXPENSES (208 to 212) 207 50 1. Costs of goods sold 208 51 2. Costs of material 209 52 3. Wages, salaries, and other employee benefits expenses 210 54 4. Costs of depreciation and provisions 211 53 and 55 5. Other operating expenses 212 A. OPERATING PROFIT / LOSS (201–207) 213 66 I. FINANCIAL REVENUES 214 56 II. FINANCIAL EXPENSES 215 B. FINANCIAL PROFIT / LOSS (214–215) 216 67, 68, 691 and 692 I. OTHER INCOME 217 57, 58, 591 and 592 II. OTHER EXPENSES 218 C. OTHER BUSINESS ACTIVITIES PROFIT / LOSS (217–218) 219 D. EARNINGS BEFORE TAXATION (213+216+219) 220 690 – 590 E. NET PROFIT / LOSS OF DISCONTINUED BUSINESS OPERATIONS 221 F. PROFIT / LOSS BEFORE TAXES (220+221) 222

G. OTHER PROFIT / LOSS RELATED ITEMS /ASSOCIATED WITH CAPITAL/ (224 to 228) 223

1. Changes in revaluation reserves in respect of available-for-sale financial assets 224
2. Changes in revaluation reserves in respect of property, plant, equipment and intangible assets 225
3. Changes in revaluation reserves in respect of investments in associates' equity 226
4. Changes in revaluation reserves in respect of actuarial gains (or losses) on defined benefit pension plans 227
5. Changes in revaluation reserves in respect of cash flow hedges 228 H. TAX EXPENSES FOR ACCOUNTING PERIOD (230+231) 229 721 1. Current income tax 230 722 2. Deferred tax income/expenses for the accounting period 231

I. NET PROFIT (LOSS) (222+223-229) 232 J. EARNINGS PER SHARE

1. Basic earnings per share 233

2. Diluted earnings per share 234

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM SP-FD Name of factoring company ID number STRUCTURE OF RECEIVABLES - FACTORING as at (EUR 000) Nominal amount of cash receivables Balance of receivables Value adjustment of receivables from buyers for cash receivables Matured receivables for nominal amout of cash receivables Outstanding receivables for nominal amout of cash receivables A Based on the recourse

1. Recourse factoring
2. Non-recourse factoring
3. Total A: B Based on residence of the subject of factoring
4. Domestic factoring 2 International factoring
5. Total B: C Based on contractual maturity 1 Up to 30 days 1 from 31 to 60 days 2 from 61 to 90 days 3 from 91 to 180 days 4 Over 180 days
6. Total C: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM KL-FD Name of factoring company ID number REPORT ON PORTFOLIO CLASSIFICATION OF FACTORING OPERATIONS as at (EUR 000) No. DESCRIPTION Collateral value A B1 B2 C1 C2 D E TOTAL Receivables 1 2 3 4 5 6 7 8 9 (2+3+4+5+6+7+8) I Receivables on factoring operations A Recourse factoring 1 Domestic factoring 2 International factoring TOTAL A (1+2) B Non-recourse factoring 3 Domestic factoring 4 International factoring TOTAL B (3+4) TOTAL I (A+B) II Interest, fees and commission receivables on factoring operations III Value adjustment Total - gross (I+II): Total - net (I+II-III) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM P-FD Name of factoring company ID number REPORT ON BORROWINGS TAKEN as at (EUR 000) EUR Other currencies Total No. DESCRIPTION TOTAL: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year 1 2 3 4 5=1+3 6=2+4 7=5+6 A Borrowings 1 Banks, residents 2 Banks, non-neresidents 3 Other deposit/financial institutions, residents 4 Other deposit/financial institutions, non-residents 5 Government of Montenegro 6 Others 7 Total A B Interest payables C Value adjustments D TOTAL: (A + B + C) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM VL-FD Name of factoring company LIST OF OWNERS HOLDING OVER 10% OF SHARE as at No. OWNER’S NAME (by size) Amount (EUR 000) % of share Country Personal / company ID number Code of activity 1 2 3 4 5 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total 10 largest owners / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS- ST

Name of factoring company ID number

STATISTICAL DATA (EUR 000) No. AVERAGE VALUES Amount I BALANCE SHEET ITEMS A ASSETS

1. Average amount of total assets B LIABILITIES 2 Average amount of total liabilities C CAPITAL 3 Average amount of total capital 4 Average amount of core capital II NUMBER OF EMPLOYEES

2. Full time employees

3. Part time employees

4. Number of employees according to accomplished effective working hours III NUMBER OF ORGANISATIONAL UNITS

5. Branch 2 Representative office 3 Sub-branch

/ Name and family name / signature / phone number of authorised person /

/ Name and family name / signature / phone number of authorised person /   

Type of report: Final FORM D-FD Name of factoring company ID number REPORT ON DEPOSITS BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) No DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivables Interest receivables TOTAL Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables 1 Transferable deposits 0 1.1 Depository institutions, residents 0 1.2 Other financial institutions, residents 0 1.3 Non-residents 0 2 Other deposits 0 2.1 Depository institutions, residents 0 2.2 Other financial institutions, residents 0 2.3 Non-residents 0 3 (1+2) TOTAL DEPOSITS 0 3.1 Depository institutions, residents 0 3.2 Other financial institutions, residents 0 3.3 Non-residents 0

• Foreign currencies denominated in EUR as at reporting date Position 1 TOTAL principal receivables must be equal to the position A2.1, column 1 from the Form BSS-FD Position 1 TOTAL interest receivables must be equal to the position A2.1, column 2 from the Form BSS-FD Position 2 TOTAL principal receivables must be equal to the position A2.2, column 1 from the Form BSS-FD Position 2 TOTAL interest receivables must be equal to the position A2.2, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM FL-FD Name of factoring company ID number REPORT ON FACTORING RECEIVABLES BY SECTORS AND CURRENCY STRUCTURE ( EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivabl es Interest receivabl es TOTAL Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions 0 Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 Natural persons 0 Entrepreneurs 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A3, column 1 from the Form BSS-FD Position 3 TOTAL interest receivables must be equal to the position A3, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM HoV_AD-FD Name of factoring company ID number REPORT ON DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITYSTRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivable s Interest receivable s TOTAL Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interes t receiva bles 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A4, column 1 from the Form BSS-FD Position 3 TOTAL interest receivables must be equal to the position A4, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of factoring company REPORT ON EQUITY SECURITIES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Shares Equities EUR Other foreign currencies* Total, shares EUR Other foreign currencies* Total, equities EUR Other fo Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables total Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables total Principal receivables Interest receivables Principal receivable 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A5, column 1 from the Form BSS-FD Position 3 TOTAL interest receivables must be equal to the position A2, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person /

/ Name and family name / signature / phone number of authorised person / Type of report: Final Name of factoring company REPORT ON OTHER RECEIVABLES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Trade credits and advances Other receivables EUR Other foreign currencies* Total, trade credits and advances EUR Other foreign currencies* Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables, trade credits and advances must be equal to the position A6, column 1 from the Form BSS-FD Position 3 TOTAL interest receivables, trade credits and advances must be equal to the position A6, column 2 from the Form BSS-FD Position 3 TOTAL principal receivables, other receivables mora biti jednaka poziciji A7, column 1 from the Form BSS-FD Position 3 TOTAL interest receivables, other receivables mora biti jednaka poziciji A7, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM PS-FD Name of factoring company ID number REPORT ON LOANS RECEIVED BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOTAL Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 12 Financial sector 0 Depository institutions 0 Other financial institutions 0 13 General government 0 14+15 Other residents 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P1, column 1 from the Form BSS-FD Position 3 TOTAL interest payables must be equal to the position P1, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM HoV_PD-FD Name of factoring company ID number REPORT ON ISSUED DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOTAL Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P2, column 1 from the Form BSS-FD Position 3 TOTAL interest payables must be equal to the position P2, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM OO-FD Name of factoring company ID number REPORT ON OTHER LIABILITIES BY SECTORS AND CURRENCY STRUCTURE (EUR 000) Sector code DESCRIPTION Trade credits and advances Other liabilities EUR Other foreign currencies* Total, trade credits and advances EUR Other foreign currencies* Total, other liabilities Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Total 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables, trade credits and advances must be equal to the position P3, column 1 from the Form BSS-FD Position 3 TOTAL interest payables, trade credits and advances must be equal to the position P3, column 2 from the Form BSS-FD Position 3 TOTAL principal payables, must be equal to the position P4, column 1 from the Form BSS-FD Position 3 TOTAL interest payables, must be equal to the position P4, column 2 from the Form BSS-FD / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS-OP

Name of company for purchase of receivables ID number

STATEMENT OF FINANCIAL POSITION (BALANCE SHEET) (EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 4 ASSETS 00 (part) A. UNPAID SUBSCRIBED CAPITAL 001 B. NON-CURRENT ASSETS 002 (003+004+005+009) .012 I. GOODWILL 003 .01 except .012 II. INTANGIBLE ASSETS 004 III PROPERTY, PLANT, EQUIPMENT AND BIOLOGICAL ASSETS (006+007+008) 005 020, 022, 023, 026, 027(part),028(part), .029 1. NProperty, plant, and equipment 006 024,027(part), 028(part) 2. Investment property 007 021,025,027(part), 028(part) 3. Biological assets 008 IV LONG-TERM FINANCIAL INVESTMENTS (010+011+012) 009 030,031(part), 032(part), 039(part) 1. Equity investments 010 031(part), 032(part) 2. Equity investments measured at equity method 011 032(part),033 to 038, 039(part) 3. Other long-term financial investments 012 288 C. DEFERRED TAX ASSETS 013 .04 D. NON-CURRENT ASSETS HELD FOR SALE AND ASSETS FROM DISCONTINUED OPERATIONS 014 E. CURRENT ASSETS (016+017) 015 10 to 13,15 I. INVENTORIES 016 II. SHORT-TERM RECEIVABLES, INVESTMENTS AND CASH (018 to 022) 017 20,21,22 except 223 1. Receivables 018 223 2. Receivables for overpaid income tax 019 23 minus 237 3. Short-term financial investments 020 24 4 Cash equivalents and cash 021 27 i 28 except 288 5. Value added tax and prepaid costs and accrued income 022 F. TOTAL ASSETS (001+002+013+014+015) 023

LIABILITIES AND CAPITAL 101 A. CAPITAL (102 to 109) 30 I. INITIAL CAPITAL 102 31 II. UNPAID SUBSCRIBED CAPITAL 103 32 III. RESERVES 104 330,331 and 333 IV. POSITIVE REVALUATION RESERVES AND UNREALISED GAINS FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 105 332 and 334 V. NEGATIVE REVALUATION RESERVES AND UNREALISED LOSSES FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 106 34 VI. RETAINED EARNINGS 107 35 VII. LOSS 108 237 VIII. SHARES AND OWN EQUITY REPURCHASE 109 B. LONG-TERM PROVISIONS AND AND LONG TERM LIABILITIES (111+112) 110 40 (part) I. LONG-TERM PROVISIONS 111 41 II. LONG-TERM LIABILITIES ( 113+114) 112 414, 415 1. Long-term loans 113 41 except 414,415 2. Other long-term liabilities 114 498 C. DEFERRED TAX LIABILITIES 115 D. SHORT-TERM PROVISIONS AND SHORT-TERM LIABILITIES (117+124) 116 I. SHORT-TERM LIABILITIES (118 to 123) 117 42, except 427 1. Short-term financial liabilities 118 427 2. Liabilities from assets held for sale and discontinued operations 119 43 and 44 3. Liabilities from business operations 120 45,46 and 49 except 498 4. Other short-term liabilities and accrued costs and deferred income 121 47,48 except 481 5. Liabilities derived from value added tax and other public revenues 122 481 6. Income tax payables 123 40 (part) II SHORT-TERM PROVISIONS 124 E. TOTAL LIABILITIES AND CAPITAL (101+110+115+116) 125

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM BSS-OP Name of company for purchase of receivables ID number STATISTICAL BALANCE SHEET (EUR 000) No Position Principal receivable/payable Interest receivable/payable TOTAL A ASSETS 1 2 3 (1+2) A1 Cash 0 A2 Deposits 0 A2.1 Transferable deposits 0 A2.2 Other deposits 0 A3 Receivables on purchased receivables 0 A3.1 Value adjustment on receivables on purchased receivables 0 A3.2 Recveivables on purchased receivables, net 0 A4 Debt securities 0 A5 Shares/equities 0 A6 Trade credits and advances 0 A7 Other receivables 0 A8 Non-financial assets 0 A9 Value adjustment of other assets positions, except A3 0 A10 TOTAL ASSETS (A1+A2+A3.2+A4+A5+A6+A7+A8-A9) 0 P LIABILITIES AND CAPITAL P1 Loans received 0 P2 Issued debt securities 0 P3 Trade credits and advances 0 P4 Other liabilities 0 P5 Loans and reserves 0 P5.1 Shares 0 P5.2 Equities 0 P5.3 Retained earnings/loss 0 P5.4 Current year profit/loss 0 P5.5 Reserves 0 P6 TOTAL LIABILITIES AND CAPITAL (P1+P2+P3+P4+P5) 0 / name and family name / signature / phone number of authorised person / / name and family name / signature / phone number of authorised person /

Type of report: Final FORM BU-OP

Name of company for purchase of receivables ID number

STATEMENT OF COMPREHENSIVE INCOME (PROFIT AND LOSS STATEMENT)

(EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 5 I. OPERATING INCOME (202 to 206) 201 60 and 61 1. Sales revenue 202 62 2. Income from the use of own products, services and goods 203 630 3. Increase in inventory value of work in progress and finished products 204 631 4. Depreciation of inventory value of work in progress and finished products 205 64 and 65 5. Other operating income 206 II. OPERATING EXPENSES (208 to 212) 207 50 1. Costs of goods sold 208 51 2. Costs of material 209 52 3. Wages, salaries, and other employee benefits expenses 210 54 4. Costs of depreciation and provisions 211 53 and 55 5. Other operating expenses 212 A. OPERATING PROFIT / LOSS (201–207) 213 66 I. FINANCIAL REVENUES 214 56 II. FINANCIAL EXPENSES 215 B. FINANCIAL PROFIT / LOSS (214–215) 216 67, 68, 691 and 692 I. OTHER INCOME 217 57, 58, 591 and 592 II. OTHER EXPENSES 218 C. OTHER BUSINESS ACTIVITIES PROFIT / LOSS (217–218) 219 D. EARNINGS BEFORE TAXATION (213+216+219) 220 690 – 590 E. NET PROFIT / LOSS OF DISCONTINUED BUSINESS OPERATIONS 221 F. PROFIT / LOSS BEFORE TAXES (220+221) 222

G. OTHER PROFIT / LOSS RELATED ITEMS /ASSOCIATED WITH CAPITAL/ (224 to 228) 223

1. Changes in revaluation reserves in respect of available-for-sale financial assets 224
2. Changes in revaluation reserves in respect of property, plant, equipment and intangible assets 225
3. Changes in revaluation reserves in respect of investments in associates' equity 226
4. Changes in revaluation reserves in respect of actuarial gains (or losses) on defined benefit pension plans 227
5. Changes in revaluation reserves in respect of cash flow hedges 228 H. TAX EXPENSES FOR ACCOUNTING PERIOD (230+231) 229 721 1. Current income tax 230 722 2. Deferred tax income/expenses for the accounting period 231

I. NET PROFIT (LOSS) (222+223-229) 232 J. EARNINGS PER SHARE

1. Basic earnings per share 233
2. Diluted earnings per share 234

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM SPN-OP Name of company for purchase of receivables ID number STRUCTURE OF RECEIVABLES BY HOLDERS AND CONTRACTUAL MATURITY as at (EUR 000) No DESCRIPTION Potfolio as at reporting date Amount of purchased receivable as at purchasing date - GROSS Purchased receivable prince Total gross receivable as at reporting date Value adjustment of receivable Total net receivable as at reporting date EUR Other currencies 1 2 3 4 5=3-4 6 7 A STRUCTURE BY HOLDER

1. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Entrepreneurs – non-residents 5 Natural persons - residents 6 Natural persons – non-residents 7 Total A: B Contractual maturity 1 Up to 30 days 2 From 31 to 60 days 3 from 61 to 90 days 4 from 91 to 180 days 5 from 181 to 270 days 6 from 270 to 365 days 7 Over 365 days 8 Total B: / name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM SD-OP Name of company for purchase of receivables ID number STRUCTURE OF RECEIVABLES BY INDUSTRIES as at (EUR 000) No. DESCRIPTION Potfolio as at reporting date Amount of purchased receivable as at purchasing date - GROSS Purchased receivable prince Total gross receivable as at reporting date Value adjustment of receivable Total net receivable as at reporting date EUR Other currencies 1 2 3=1+2 4 5=3+4 6 7 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 A TOTAL (1+...+21) B NATURAL PERSONS - RESIDENTS C NON-RESIDENTS D TOTAL - gross A+B+C E Value adjustment F TOTAL - net D-E / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM KL-OP Name of company for purchase of receivables ID number REPORT ON CLASSIFICATION OF RECEIVABLES as at (EUR 000) Collateral value A B1 B2 C1 C2 D E TOTAL Red.broj DESCRIPTION Receivables STRUCTURE BASED ON BENEFICIARY 1 2 3 4 5 6 7 8 9(2+3+4+5+6+7+8)

1. Legal persons - residents
2. Legal persons – non-residents
3. Entrepreneurs - residents
4. Entrepreneurs – non-residents
5. Natural persons - residents
6. Natural persons – non-residents A Total: B Value adjustments C TOTAL net (B-A) / Name and family name / signature / phone number of authorised person / Name and family name / signature / phone number of authorised person

Type of report: Final FORM PRK-OP Name of comapny purchase of receivables ID number REPORT ON RESTRUCTURED LOANS as at (EUR 000) DESCRIPTION OF RESTRUCTURING Principal interest Total Interest rate Value adjustment for restructured loans Collateral Category Total Restructuring method Debtor’s name % Type Value (A,B,C,D,E) 1 2 3 (1+2) 4 5 6 7 8 9 (3-5) 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 32 33 Total restructured – category A 34 Total restructured – category B 35 Total restructured – category C 36 Total restructured – category D 37 Total restructured – category E 38 Total (1+...+37) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM NP-OP Name of company for purchase of receivables ID number COLLECTION OF RECEIVABLES as at (EUR 000) No. Description Collection of receivables Regular repayment Enforcement on monetary assets Sale of collateral Other Total 1 2 3 4 1+2+3+4

1. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: FORM ND-OP Name of company for purchase of receivable s ID number OVERVIEW OF 15 LARGEST DEBTORS As at (EUR 000) No. Beneficiary Principal interestr ate Total Interest rate, % Value adjustment Category (A, B, C, D, E) Type of collateral Collateral value Total Countr y Person al ID/ ID number Code of activity 1 2 3=1+2 4 5 6 7 8 9=(3-5) 10 11 12 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Ukupno: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person

Type of report: Final FORM P-LD Name of company for purchase of receivables ID number REPORT ON BORROWINGS TAKEN as at (EUR 000) EUR Other currencies Total No. DESCRIPTION TOTAL: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year 1 2 3 4 5=1+3 6=2+4 7=5+6 A Borrowings 1 Banks, residents 2 Banks, non-neresidents 3 Other deposit/financial institutions, residents 4 Other deposit/financial institutions, non-residents 5 Government of Montenegro 6 Others 7 Total A B Interest payables C Value adjustments D TOTAL: (A + B + C) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM VL-LD Name of company for purchase of receivables ID number LIST OF OWNERS HOLDING OVER 10% OF SHARE as at No. OWNER’S NAME (by size) Amount (EUR 000) % of share Lessee YES/NO Country Personal / company ID number Code of activity 1 2 3 4 5 6 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total 10 largest owners / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS- ST Name of company for purchase of receivables ID number STATISTICAL DATA (EUR 000) No. AVERAGE VALUES Amount I BALANCE SHEET ITEMS A ASSETS

1. Average amount of total assets B LIABILITIES 2 Average amount of total liabilities C CAPITAL 3 Average amount of total capital 4 Average amount of core capital II NUMBER OF EMPLOYEES
2. Full time employees
3. Part time employees
4. Number of employees according to accomplished effective working hours III NUMBER OF ORGANISATIONAL UNITS
5. Branch 2 Representative office 3 Sub-branch / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Form D-OP Name of company for purchase of receivables REPORT ON DEPOSITS BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) No DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivables Interest receivables TOTAL Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables 1 Transferable deposits 0 1.1 Depository institutions, residents 0 1.2 Other financial institutions, residents 0 1.3 Non-residents 0 2 Other deposits 0 2.1 Depository institutions, residents 0 2.2 Other financial institutions, residents 0 2.3 Non-residents 0 3 (1+2) TOTAL DEPOSITS 0 3.1 Depository institutions, residents 0 3.2 Other financial institutions, residents 0 3.3 Non-residents 0

• Foreign currencies denominated in EUR as at reporting date Position 1 TOTAL principal receivables must be equal to the position A2.1, column 1 from the Form BSS-OP Position 1 TOTAL interest receivables must be equal to the position A2.1, column 2 from the Form BSS-OP Position 2 TOTAL principal receivables must be equal to the position A2.2, column 1 from the Form BSS-OP Position 2 TOTAL interest receivables must be equal to the position A2.2, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM FL-OP Name of company for purchase of receivables ID number REPORT ON RECEIVABLES BASED ON PURCHASE OF RECEIVABLES BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivabl es Interest receivabl es TOTAL Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es Total Principal receivabl es Interest receivabl es Principal receivabl es Interest receivabl es 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions 0 Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 Natural persons 0 Entrepreneurs 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A3, column 1 from the Form BSS-OP Position 3 UKUPNO interest receivables must be equal to the position A3, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM HoV_AD-OP Name of company for purchase of receivables ID number REPORT ON DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITYSTRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Principal receivabl es Interest receivabl es Princip TOTAL al receiva bles Interest receiva bles Princip al receiva bles Interest receiva bles Princip al receiva bles Interest receiva bles Total Princip al receiva bles Interest receiva bles Princip al receiva bles Interest receiva bles Princip al receiva bles Interest receiva bles Total Princip al receiva bles Interest receiva bles Princip al receiva bles Intere st receiv ables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A4, column 1 from the Form BSS-OP Position 3 UKUPNO interest receivables must be equal to the position A4, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of company for purchase of receivables REPORT ON EQUITY SECURITIES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Shares Equities EUR Other foreign currencies* Total, shares EUR Other foreign currencies* Total, equities EUR Other fo Principal receivables Interest receivables Principal receivable s Interest receivables Principal receivables Interest receivables total Principal receivable s Interest receivable s Principal receivable s Interest receivable s Principal receivable s Interest receivable s total Principal receivable s Interest receivable s Principa receivab s 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables must be equal to the position A5, column 1 from the Form BSS-OP Position 3 TOTAL interest receivables must be equal to the position A2, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final Name of company for purchase of receivables REPORT ON OTHER RECEIVABLES BY SECTORS AND CURRENCY STRUCTURE Sector code DESCRIPTION Trade credits and advances Other receivables EUR Other foreign currencies* Total, trade credits and advances EUR Other foreign currencies* Principal receivables Interest receivables Principal receivables Interest receivables Principal receivables Interest receivables Total Principal receivables Interest receivables Principal receivables Interest receivables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal receivables, trade credits and advances must be equal to the position A6, column 1 from the Form BSS-OP Position 3 TOTAL interest receivables, trade credits and advances must be equal to the position A6, column 2 from the Form BSS-OP Position 3 TOTAL principal receivables, other receivables mora biti jednaka poziciji A7, column 1 from the Form BSS-OP Position 3 TOTAL interest receivables, other receivables mora biti jednaka poziciji A7, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM PS-OP Name of company for purchase of receivables ID number REPORT ON LOANS RECEIVED BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOTAL Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 12 Financial sector 0 Depository institutions 0 Other financial institutions 0 13 General government 0 14+15 Other residents 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P1, column 1 from the Form BSS-OP Position 3 TOTAL interest payables must be equal to the position P1, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM HoV_PD-OP Name of company for purchase of receivables ID number REPORT ON ISSUED DEBT SECURITIES BY SECTORS, CURRENCY AND MATURITY STRUCTURE (EUR 000) Sector code DESCRIPTION Up to 1 year over 1 year TOTAL EUR Other foreign currencies* Total, up to 1 year EUR Other foreign currencies* Total, over 1 year EUR Other foreign currencies* Principal payables Interest payables TOTAL Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables Principal payables Interest payables Total Principal payables Interest payables Principal payables Interest payables 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables must be equal to the position P2, column 1 from the Form BSS-OP Position 3 TOTAL interest payables must be equal to the position P2, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM OO-OP Name of company for purchase of receivables ID number REPORT ON OTHER LIABILITIES BY SECTORS AND CURRENCY STRUCTURE (EUR 000) Sector code DESCRIPTION Trade credits and advances Other liabilities EUR Other foreign currencies* Total, trade credits and advances EUR Other foreign currencies* Total, other liabilities Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Principal payables Total 11 Non-financial sector 0 Public non-financial institutions 0 Other non-financial institutions 0 12 Financial sector 0 Depository institutions Investment funds 0 Other financial intermediaries, except insurance companies and pension funds 0 Anciliary financial institutions 0 Companies engaged in transfer of financial assets and lenders 0 Insurance companies 0 Pension funds 0 13 General government 0 Central government 0 Local government 0 Social security funds 0 14 Households sector 0 15 Non-profit institutions serving households 0 1 Total residents (11+12+13+14+15) 0 2 Non-residents 0 3 (1+2) TOTAL 0

• Foreign currencies denominated in EUR as at reporting date Position 3 TOTAL principal payables, trade credits and advances must be equal to the position P3, column 1 from the Form BSS-OP Position 3 TOTAL interest payables, trade credits and advances must be equal to the position P3, column 2 from the Form BSS-OP Position 3 TOTAL principal payables, must be equal to the position P4, column 1 from the Form BSS-OP Position 3 TOTAL interest payables, must be equal to the position P4, column 2 from the Form BSS-OP / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS-KGF

Name of credit-guarantee fund ID number

STATEMENT OF FINANCIAL POSITION (BALANCE SHEET) (EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 4 ASSETS 00 (part) A. UNPAID SUBSCRIBED CAPITAL 001 B. NON-CURRENT ASSETS 002 (003+004+005+009) .012 I. GOODWILL 003 .01 except .012 II. INTANGIBLE ASSETS 004 III PROPERTY, PLANT, EQUIPMENT AND BIOLOGICAL ASSETS (006+007+008) 005 020, 022, 023, 026, 027(part),028(part), .029 1. NProperty, plant, and equipment 006 024,027(part), 028(part) 2. Investment property 007 021,025,027(part), 028(part) 3. Biological assets 008 IV LONG-TERM FINANCIAL INVESTMENTS (010+011+012) 009 030,031(part), 032(part), 039(part) 1. Equity investments 010 031(part), 032(part) 2. Equity investments measured at equity method 011 032(part),033 to 038, 039(part) 3. Other long-term financial investments 012 288 C. DEFERRED TAX ASSETS 013 .04 D. NON-CURRENT ASSETS HELD FOR SALE AND ASSETS FROM DISCONTINUED OPERATIONS 014 E. CURRENT ASSETS (016+017) 015 10 to 13,15 I. INVENTORIES 016 II. SHORT-TERM RECEIVABLES, INVESTMENTS AND CASH (018 to 022) 017 20,21,22 except 223 1. Receivables 018 223 2. Receivables for overpaid income tax 019 23 minus 237 3. Short-term financial investments 020 24 4 Cash equivalents and cash 021 27 i 28 except 288 5. Value added tax and prepaid costs and accrued income 022 F. TOTAL ASSETS (001+002+013+014+015) 023

LIABILITIES AND CAPITAL 101 A. CAPITAL (102 to 109) 30 I. INITIAL CAPITAL 102 31 II. UNPAID SUBSCRIBED CAPITAL 103 32 III. RESERVES 104 330,331 and 333 IV. POSITIVE REVALUATION RESERVES AND UNREALISED GAINS FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 105 332 and 334 V. NEGATIVE REVALUATION RESERVES AND UNREALISED LOSSES FROM AVAILABLE-FOR-SALE FINANCIAL ASSETS 106 34 VI. RETAINED EARNINGS 107 35 VII. LOSS 108 237 VIII. SHARES AND OWN EQUITY REPURCHASE 109 B. LONG-TERM PROVISIONS AND AND LONG TERM LIABILITIES (111+112) 110 40 (part) I. LONG-TERM PROVISIONS 111 41 II. LONG-TERM LIABILITIES ( 113+114) 112 414, 415 1. Long-term loans 113 41 except 414,415 2. Other long-term liabilities 114 498 C. DEFERRED TAX LIABILITIES 115 D. SHORT-TERM PROVISIONS AND SHORT-TERM LIABILITIES (117+124) 116 I. SHORT-TERM LIABILITIES (118 to 123) 117 42, except 427 1. Short-term financial liabilities 118 427 2. Liabilities from assets held for sale and discontinued operations 119 43 and 44 3. Liabilities from business operations 120 45,46 and 49 except 498 4. Other short-term liabilities and accrued costs and deferred income 121 47,48 except 481 5. Liabilities derived from value added tax and other public revenues 122 481 6. Income tax payables 123 40 (part) II SHORT-TERM PROVISIONS 124 E. TOTAL LIABILITIES AND CAPITAL (101+110+115+116) 125

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM BU-KGF

Name of credit-guarantee fund ID number

STATEMENT OF COMPREHENSIVE INCOME (PROFIT AND LOSS STATEMENT) (EUR 000) Group of accounts, account POSITION NUMBER Amount Current quarter 1 2 3 5 I. OPERATING INCOME (202 to 206) 201 60 and 61 1. Sales revenue 202 62 2. Income from the use of own products, services and goods 203 630 3. Increase in inventory value of work in progress and finished products 204 631 4. Depreciation of inventory value of work in progress and finished products 205 64 and 65 5. Other operating income 206 II. OPERATING EXPENSES (208 to 212) 207 50 1. Costs of goods sold 208 51 2. Costs of material 209 52 3. Wages, salaries, and other employee benefits expenses 210 54 4. Costs of depreciation and provisions 211 53 and 55 5. Other operating expenses 212 A. OPERATING PROFIT / LOSS (201–207) 213 66 I. FINANCIAL REVENUES 214 56 II. FINANCIAL EXPENSES 215 B. FINANCIAL PROFIT / LOSS (214–215) 216 67, 68, 691 and 692 I. OTHER INCOME 217 57, 58, 591 and 592 II. OTHER EXPENSES 218 C. OTHER BUSINESS ACTIVITIES PROFIT / LOSS (217–218) 219 D. EARNINGS BEFORE TAXATION (213+216+219) 220 690 – 590 E. NET PROFIT / LOSS OF DISCONTINUED BUSINESS OPERATIONS 221 F. PROFIT / LOSS BEFORE TAXES (220+221) 222 G. OTHER PROFIT / LOSS RELATED ITEMS /ASSOCIATED WITH CAPITAL/ (224 to 228) 223

1. Changes in revaluation reserves in respect of available-for-sale financial assets 224
2. Changes in revaluation reserves in respect of property, plant, equipment and intangible assets 225
3. Changes in revaluation reserves in respect of investments in associates' equity 226
4. Changes in revaluation reserves in respect of actuarial gains (or losses) on defined benefit pension plans 227
5. Changes in revaluation reserves in respect of cash flow hedges 228 H. TAX EXPENSES FOR ACCOUNTING PERIOD (230+231) 229 721 1. Current income tax 230 722 2. Deferred tax income/expenses for the accounting period 231

I. NET PROFIT (LOSS) (222+223-229) 232 J. EARNINGS PER SHARE

1. Basic earnings per share 233

2. Diluted earnings per share 234

/ name and family name / signature / phone number of authorised person /

/ name and family name / signature / phone number of authorised person /

Type of report: Final FORM IG-KGF Name of credit-guarantee fund ID number GUARANTEES ISSUED (EUR 000) No. DESCRIPTION Up to 30 days 31 - 60 days 61 - 90 days 91 - 180 days 181 - 270 days 270 - 365 days Over 365 days TOTAL A PAYMENT GUARANTEES ISSUED

1. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total A: B PERFORMANCE GUARANTEES ISSUED
2. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total B: C OTHER TYPES OF GUARANTEES
3. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total C: TOTAL A+B+C / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM NG-KGF Name of credit-guarantee fund ID number OVERVIEW OF 15 LARGEST GUARANTEES ISSUED as at (EUR 000) No. Principal Type of guarantee Amount of guarantee Maturity date Beneficiary Country Personal ID / ID number Code of activity 1 2 3 4 5 6 7 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Total: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM SP-KGF Name of credit-guarantee fund ID number STRUCTURE OF RECEIVABLES WHEN A GUARANTEE IS PAID BY THE FUND (EUR 000) STRUCTURE OF RECEIVABLES AS AT REPORTING DAY No. DESCRIPTION Up to 30 days 31 - 60 days 61 - 90 days 91 - 180 days 181 - 270 days 270 - 365 days Over 365 days TOTAL A PAYMENT GUARANTEES ISSUED

1. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total A - gross: 8 Value adjustment 9 Total A - net (7-8): B PERFORMANCE GUARANTEES ISSUED
2. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total B - gross: 8 Value adjustment 9 Total B - net (7-8): C OTHER TYPES OF GUARANTEES
3. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total C - gross: 8 Value adjustment 9 Total C - net (7-8): TOTAL NET A+B+C TOTAL GROSS A+B+C / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person / Type of report: Final FORM KP-KGF

Name of credit-guarantee fund ID number CLASSIFICATION OF RECEIVABLES WHEN A GUARANTEE IS PAID BY THE FUND (EUR 000) CLASSIFICATION OF RECEIVABLES No. DESCRIPTION Collateral value A B1 B2 C1 C2 D E TOTAL 1 2 3 4 5 6 7 8 9(2+3+4+5+6+7+8) A PAYMENT GUARANTEES ISSUED

1. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total A - gross: 8 Value adjustment 9 Total A - net (7-8): B PERFORMANCE GUARANTEES ISSUED
2. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total B - gross: 8 Value adjustment 9 Total B - net (7-8): C OTHER TYPES OF GUARANTEES
3. Legal persons - residents 2 Legal persons – non-residents 3 Entrepreneurs - residents 4 Preduzetnici - non-residents 5 Natural persons - residents 6 Natural persons - non-residents 7 Total C - gross: 8 Value adjustment 9 Total C - net (7-8): TOTAL NET A+B+C TOTAL GROSS A+B+C / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: FORM ND-KGF ID number OVERVIEW OF 15 LARGEST DEBTORS As at (EUR 000) No. Beneficiary Principal interest rate Total Interest rate, % Value adjustmen t Category (A, B, C, D, E) Type of collateral Collateral value Total Countr y Person al ID/ ID numbe r Code of activity 1 2 3=1+2 4 5 6 7 8 9=(3-5) 10 11 12 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. Total: / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person

Type of report: Final FORM PS-KGF Name of credit-guarantee fund ID number INVESTMENT OF IDLE FUNDS as at No. DESCRIPTION Amount (EUR 000) 1 1. Bonds and other debt securities issued by Montenegro, the European Union member state or country signatory to the Agreement on the European Economic Area or central banks thereof or being guaranteed by Montenegro, the European Union member state or country signatory to the Agreement on the European Economic Area; 2. Bonds and other debt securities issued or irrevocably guaranteed by the country with credit rating A or better assigned by the rating agency Standard & Poor’s or any equivalent rating assigned by another internationally recognised rating agency; 3. Bonds and other debt securities issued by banks and other legal persons, provided that they are listed on a stock exchange and traded in organised financial markets and that they have issuer’s credit rating A or better assigned by the rating agency Standard & Poor’s or any equivalent rating assigned by another internationally recognised rating agency; 4. Deposits with banks which have credit rating A or better assigned by the rating agency Standard & Poor’s or any equivalent rating assigned by another internationally recognised rating agency. Total 10 largest debtors / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM P-KGF Name of credit-guarantee fund ID number REPORT ON BORROWINGS TAKEN as at (EUR 000) EUR Other currencies Total No. DESCRIPTION TOTAL: Up to 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year 1 2 3 4 5=1+3 6=2+4 7=5+6 A Borrowings 1 Banks, residents 2 Banks, non-neresidents 3 Other deposit/financial institutions, residents 4 Other deposit/financial institutions, non-residents 5 Government of Montenegro 6 Others 7 Total A B Interest payables C Value adjustments D TOTAL: (A + B + C) / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM VL-KGF Name of credit-guarantee fund ID number LIST OF OWNERS HOLDING OVER 10% OF SHARE as at No. OWNER’S NAME (by size) Amount (EUR 000) % of share Lessee YES/NO Country Personal / company ID number Code of activity 1 2 3 4 5 6 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total 10 largest owners / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /

Type of report: Final FORM BS- ST Name of credit-guarantee fund ID number STATISTICAL DATA (EUR 000) No. AVERAGE VALUES Amount I BALANCE SHEET ITEMS A ASSETS

1. Average amount of total assets B LIABILITIES 2 Average amount of total liabilities C CAPITAL 3 Average amount of total capital 4 Average amount of core capital II NUMBER OF EMPLOYEES
2. Full time employees
3. Part time employees
4. Number of employees according to accomplished effective working hours III NUMBER OF ORGANISATIONAL UNITS
5. Branch 2 Representative office 3 Sub-branch / Name and family name / signature / phone number of authorised person / / Name and family name / signature / phone number of authorised person /