Issuu

Udruženje banaka Srbije

BANKARSTVO Specijalni broj

2021

ISSN 2466-5495 l COBISS.SR-ID 109903884

SR P SKO BA N K A R ST VO U 2020. SERBIAN BANKING IN 2020

Beograd 2021. godine

Bankarstvo Specijalno izdanje za 2021. / Special Edition 2021

50. godina izdanja / 50th Year of Publishing

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

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

Redakcioni odbor / Editorial Board Prof. dr Radovan Kovačević, Ekonomski fakultet Beograd Prof. dr Miloš Božović, Ekonomski fakultet Beograd Prof. dr Dušan Marković, Ekonomski fakultet Beograd Prof. dr Aleksandar Živković, Ekonomski fakultet Beograd Prof. dr Velimir Lukić, Ekonomski fakultet Beograd Prof. dr Vladimir Vučković, Fiskalni savet Republike Srbije Prof. dr Nebojša Savić, FEFA - Fakultet za Ekonomiju, Finansije i Administraciju Prof. dr Goran Pitić, FEFA - Fakultet za Ekonomiju, Finansije i Administraciju Prof. dr Snežana Knežević, vanredni profesor, Fakultet organizacionih nauka, Beograd Prof. dr Vesna Aleksić, Institut ekonomskih nauka Beograd Dr Jelena Minović, Institut ekonomskih nauka Beograd Prof. dr Miloš Živković, Pravni fakultet Beograd Dr Aleksandra Mitrović, Fakultet za hotelijerstvo i turizam, Vrnjačka Banja Prof. dr Mlađan Mrđan, EBS Business School, Wiesbaden Prof. dr Marko Malović, Fakultet poslovne ekonomije, Univerzitet Educons Sremska Kamenica Dr Milko Štimac, Konsultant za finansijska tržišta Dr Nataša Kožul, Samostalni ekspert i konsultant za investiciono bankarstvo Dr Miloš Janković, Ekspert za bankarsku i finansijsku regulaciju Dr Miloš Vujnović, Finansijski konsultant Siniša Krneta, Beogradska berza Gordana Dostanić, AMS osiguranje Dr Slađana Sredojević, Udruženje banaka Srbije Dr Milan Brković, Udruženje banaka Srbije Dr Vesna Matić, Udruženje banaka Srbije, u penziji Svetlana Pantelić, Udruženje banaka Srbije, u penziji Dr Boško Mekinjić, Komercijalna banka a.d. Banja Luka, BiH Doc. dr Džafer Alibegović, Ekonomski fakultet Sarajevo, BiH Prof. dr Slobodan Lakić, Ekonomski fakultet Podgorica, Crna Gora Prof. dr Žarko Lazarević, Inštitut za novejšo zgodovino Ljubljana, Slovenija Dr Boštjan Ferk, Inštitut za javno-zasebno partnerstvo, Ljubljana, Slovenija Prof. dr János Száz, Institute for Training and Consulting in Banking, Budapest, Hungary Dr Andrei Radulescu, Banca Transilvania, Bucharest, Romania Prof. Roger Claessens, R.J. Claessens & Partners, Luxembourg Prof. dr Nikolay Nenovsky, CRIISEA, Université de Picardie Jules Verne, Amiens, France Dr Aaron Presnall, Jefferson Institute, Washington, USA

Srpsko bankarstvo 2020

SADRŽAJ UVODNA REČ

Serbian Banking 2020

TABLE OF CONTENTS 8

A WORD OF INTRODUCTION

NARODNA BANKA SRBIJE

NATIONAL BANK OF SERBIA

UDRUŽENJE BANAKA SRBIJE

ASSOCIATION OF SERBIAN BANKS

ADDIKO BANK A.D. BEOGRAD

ADDIKO BANK A.D. BELGRADE

AIK BANKA A.D. BEOGRAD

AIK BANK A.D. BELGRADE

ALTA BANKA A.D. BEOGRAD

ALTA BANK A.D. BELGRADE

API BANK A.D. BEOGRAD

API BANK A.D. BELGRADE

BANCA INTESA A.D. BEOGRAD

BANCA INTESA A.D. BELGRADE

BANK OF CHINA SRBIJA A.D. BEOGRAD

BANK OF CHINA SERBIA A.D. BELGRADE

BANKA POŠTANSKA ŠTEDIONICA A.D. BEOGRAD

POSTAL SAVINGS BANK A.D. BELGRADE

DIREKTNA BANKA A.D. KRAGUJEVAC

ERSTE BANK A.D. NOVI SAD

EUROBANK A.D. BEOGRAD

EUROBANK A.D. BELGRADE

EXPOBANK A.D. BEOGRAD

EXPOBANK A.D. BELGRADE

HALKBANK A.D. BEOGRAD

HALKBANK A.D. BELGRADE

KOMERCIJALNA BANKA A.D. BEOGRAD

KOMERCIJALNA BANKA A.D. BELGRADE

MIRABANK A.D. BEOGRAD

MIRABANK A.D. BELGRADE

MOBI BANKA A.D. BEOGRAD

MOBI BANK A.D. BELGRADE

MTS BANKA A.D. BEOGRAD

MTS BANKA A.D. BELGRADE

NLB BANKA A.D. BEOGRAD

NLB BANK A.D. BELGRADE

OPPORTUNITY BANKA A.D. NOVI SAD

OPPORTUNITY BANK A.D. NOVI SAD

OTP BANKA SRBIJA A.D. BEOGRAD

OTP BANK SERBIA A.D. BELGRADE

PROCREDIT BANK A.D. BEOGRAD

PROCREDIT BANK A.D. BELGRADE

RAIFFEISEN BANKA A.D. BEOGRAD

RAIFFEISEN BANK A.D. BELGRADE

SBERBANK SRBIJA A.D. BEOGRAD

SBERBANK SERBIA A.D. BELGRADE

SRPSKA BANKA A.D. BEOGRAD

102

SRPSKA BANKA A.D. BELGRADE

103

UNICREDIT BANK SRBIJA A.D. BEOGRAD

106

UNICREDIT BANK SERBIA A.D. BELGRADE

107

BEOGRADSKA BERZA

110

BELGRADE STOCK EXCHANGE

111

KOMISIJA ZA HARTIJE OD VREDNOSTI REPUBLIKE SRBIJE

112

SECURITIES COMMISION OF REPUBLIC OF SERBIA

113

BILANS STANJA SA STANJEM NA DAN 31.12.2020.

114

BALANCE SHEET AS OF 31.12.2020

115

BILANS USPEHA ZA PERIOD 01.01. DO 31.12.2020.

118

INCOME STATEMENT FOR THE PERIOD 01.01.- 31.12.2020

119

Srpsko bankarstvo 2020

Uvodna reč

A word of introduction

UVODNA REČ

Serbian Banking 2020

A WORD OF INTRODUCTION

Poštovani čitaoci,

Dear readers,

Pred Vama je šesnaesto specijalno izdanje časopisa Bankarstvo u kome, kao što ste već navikli, objavljujemo prikaz poslovanja bankarskog sektora Srbije u godini za nama. Kakvi su poslovni rezultati ostvareni u 2020. godini saznaćete iz priloga koje su dostavile banke koje trenutno posluju na tržištu Srbije, a moći ćete da pročitate i šta je obeležilo prethodnu godinu u radu Narodne banke Srbije, Beogradske berze, Komisije za hartije od vrednosti i Udruženja banaka Srbije. Ovogodišnje izdanje zaokružuju bilans stanja i bilans uspeha bankarskog sektora Srbije na dan 31.12.2020. godine, prema podacima iz Bilbon baze UBS, koja se puni i ažurira u direktnoj saradnji sa bankama.

Here is the sixteenth special issue of Bankarstvo Journal in which we, once again, publish the overview of the operations of the banking sector of Serbia in the year before. The contributions submitted by the banks currently operating in Serbia will show the business results achieved in 2020, while the National Bank of Serbia, the Belgrade Stock Exchange, the Securities Commission and the Association of Serbian Banks will tell you more about their operations in the previous year. This year’s issue is rounded up by the balance sheet and income statement of the banking sector of Serbia as of 31 December 2020, according to the data from the ASB Bilbon database, which is edited and updated in direct cooperation with the banks.

Proteklu godinu u našoj zemlji nije obeležila jedino pandemija koronavirusa, već i ažuran i odlučan odgovor bankarskog sektora Srbije na novonastalu situaciju. Kroz različite mere monetarne politike Narodne banke Srbije, podršku građanima, zastoje u otplati obaveza, garantnu šemu, kao i kroz kontinuiranu organizaciju poslovanja prema potrebama građana, penzionera i privrede, bankarski sektor je dao neizmeran doprinos amortizaciji krize izazvane pandemijom koronavirusa. Takođe, podstaknute novom realnošću post-kovid sveta i novim potrebama svojih klijenata, banke su vrtoglavo ubrzale procese digitalizacije svojih usluga, čime su bile spremne na ogroman broj novih korisnika elektronskih i onlajn bankarskih usluga. Ovaj talas digitalizacije će se u skorijoj budućnosti samo još više ubrzati, vodeći našu zemlju u novo, digitalno doba. Na kraju ovog uvoda koristimo priliku da se zahvalimo svim našim saradnicima iz banaka i ostalih predstavljenih institucija koji su učestvovali u pripremi i dostavljanju priloga, jer bez njihove pomoći i doprinosa sklapanju kompletne slike bankarskog sektora Srbije u 2020. godini, ovaj Specijalni broj časopisa Bankarstvo ne bi ni mogao da bude objavljen.

In Serbia, the previous year was marked not only by the coronavirus pandemic, but also by the up-to-date and decisive response of the Serbian banking sector to the unprecedented situation. Through various monetary policy measures of the National Bank of Serbia, support to citizens, delays in repayment of obligations, the Guarantee Scheme, as well as through continuous organisation of business operations according to the needs of citizens, pensioners and the economy, the banking sector has made an immeasurable contribution to amortising the coronavirus pandemic crisis. Also, driven by the new reality of the post-covid world and the new needs of their clients, banks have swiftly accelerated the processes of digitalising their services, thus being ready for a substantial number of new users of electronic and online banking services. This wave of digitalisation will only accelerate further in the near future, leading our country into a new, digital age. To conclude this introduction, we would like to use this opportunity to express our gratitude to all our associates from the banks and other featured institutions who helped prepare this issue by submitting their materials, since this special issue of Bankarstvo Journal could not have been published without their contribution to creating a full picture of the banking sector in Serbia in 2020.

Vladimir Vasić

Generalni sekretar Udruženje banaka Srbije

Secretary General Association of Serbian Banks

Narodna banka Srbije

Srpsko bankarstvo 2020

National Bank of Serbia

Serbian Banking 2020

I u godini, koju su obeležile pandemija i kriza koja je uzdrmala ceo svet, NBS je uspela da očuva stabilnost - cenovnu, finansijsku i stabilnost deviznog kursa. Sve ostvareno u prethodnih devet godina omogućilo nam je da se ovoj svetskoj krizi bez presedana suprotstavimo sa znatno bolje pozicije. Uspeli smo da sačuvamo našu ekonomiju, očuvamo inflaciju na niskom nivou, a samim tim i realnu vrednost zarada. Dinar je ostao relativno stabilan prema evru, što privredi i građanima daje neophodnu izvesnost za poslovanje i planiranje. Dinarska štednja je nastavila dvocifren rast i dostigla najveće iznose do sada. Problematični krediti su dodatno smanjeni. Nastavili smo i sa inovacijama kako bi se građanima i privredi omogućile još kvalitetnije finansijske usluge. Kako bismo podržali naše građane i ekonomiju, reagovali smo pravovremeno i snažno, koristeći veliki broj instrumenata. Na taj način očuvani su dobar pristup izvorima finansiranja i povoljni uslovi finansiranja države, banaka i privatnog sektora. NBS je među prvima uvela moratorijum na otplatu obaveza po osnovu kredita. Prvi smo reagovali smanjenjem referentne kamatne stope, koju smo smanjili ukupno četiri puta. U punoj meri smo podržavali Predsednika i Vladu Srbije u borbi za ublažavanje ekonomskih efekata pandemije, kako bi se sačuvala radna mesta i proizvodni kapaciteti. Ispunjavajući zakonom propisane ciljeve, stvarali smo preduslove za brz oporavak privrede i sačuvali osnove za snažan i održiv privredni rast. Makroekonomska stabilnost je ključni prioritet. S obzirom na to da smo je u Srbiji očuvali, možemo da nastavimo s daljim reformama.

Even in the year marked by the pandemic and a crisis that shook the whole world, the National Bank of Serbia (NBS) managed to maintain stability – stability of prices, financial system, and exchange rate. Everything done in the past nine years enabled us to face this unprecedented global crisis in a much better position. We managed to save our economy and keep inflation at a low level, preserving thereby the real value of wages. The dinar stayed relatively stable against the euro, ensuring the certainty necessary for business and planning. Dinar savings continued growing at double-digit rates and reached record highs. NPLs declined further. We continued with our innovative activities so that our citizens and businesses could enjoy even higher quality financial services. To support our people and businesses, we responded to the crisis timely and strongly, using a large number of instruments. As a result, we kept good access to finance and favourable financing conditions for the government, banks, and the private sector. The NBS was among the first to introduce a moratorium on loan repayment and the first to respond by lowering its key policy rate, in four instances in total. We fully supported the President and the Government of Serbia in their relentless efforts to mitigate the economic fallout from the pandemic and preserve jobs and production capacities. By delivering on our statutory objectives, we created the preconditions for a swift economic recovery and preserved the basis for strong and sustainable growth going forward. Macroeconomic stability is the number-one priority, and as in Serbia we have preserved it, we can move on with the reform agenda.

Kralja Petra 12, 11000 Beograd Nemanjina 17, 11000 Beograd E-mail: informativni.centar@nbs.rs

12 Kralja Petra, 11000 Belgrade; 17 Nemanjina, 11000 Belgrade; E-mail: informativni.centar@nbs.rs 10

Udruženje banaka Srbije

Srpsko bankarstvo 2020

U ZNAKU DIGITALIZACIJE I PANDEMIJE KORONAVIRUSA

Association of Serbian Banks

Serbian Banking 2020

DEFINED BY DIGITALISATION AND THE COVID 19 PANDEMIC

U 2020. godini Udruženje banaka intenzivno je sprovodilo svoje redovne aktivnosti – kroz snažnu podršku bankama, bankarskom sistemu i građanima Srbije. Istovremeno, mnoge specifičnosti su bitno uticale na celokupno društvo, pa i na rad Udruženja u protekloj godini, uključujući pandemija koronavirusa i snažnu digitalizaciju bankarskih usluga.

In 2020, the Association of Serbian Banks intensively carried out its regular activities - through strong support to banks, the banking system, and the citizens of Serbia. Concurrently, many specific circumstances significantly affected the entire society, and the work of the Association, including the Covid-19 pandemic and the strong digitalisation of banking services.

Pandemija je potrebe za razmenom iskustava i dobre prakse učinila većim nego ikad. Zato je UBS tokom 2020. godine intenziviralo svoje međunarodne aktivnosti. Pored saradnje po osnovu članstva u međunarodnim institucijama i forumima tokom 2020. godine, Udruženje je iskazalo i veliki regionalni angažman inicirajući održavanje onlajn okruglog stola za udruženja banaka Zapadnog Balkana, koji je pozdravljen kao velika pozitivna inicijativa koja je na regionalnom nivou pomogla razmenu iskustava i načina za prevazilaženje krize.

The pandemic has made the need for exchanging experience and good practice greater than ever. The ASB, thus, intensified its international activities. In addition to cooperation in terms of membership in international institutions and forums during 2020, the ASB showed great regional engagement by initiating an online round table for banking associations in the Western Balkans, which was praised as a major positive initiative that has helped to share experiences and ways to overcome the crisis caused by the pandemic, at the regional level.

UBS je, kao jedan od šest članova međunarodnog konzorcijuma, radilo na pripremi predloga evropskog projekta za finansiranje iz fonda EU HORIZON 2020 koji je podnet Evropskoj komisiji, kao predlog projekta koji je namenjen podsticanju energetske efikasnosti, inovativnih instrumenata za finansiranje, istraživanja i edukacije. Takođe, stupanjem u članstvo međunarodne mreže SBN – Sustainable Banking Network pri Međunarodnoj finansijskoj korporaciji, Udruženje je proširilo svoju mrežu partnerstava na međunarodnom nivou, a u sklopu podrške obrazovanju mladih, po treći put je održan projekat Evropski kviz novca. Udruženje je aktivno učestovalo u brojnim pripremama i izmenama zakona i propisa koji uređuju rad banaka. Stručna tela UBS aktivno su učestvovala u pokretanju inicijative za donošenje podzakonskog akta Narodne banke Srbije kojim se uređuju uslovi i način utvrđivanja i provere identiteta fizičkog lica korišćenjem sredstava elektronske komunikacije. Tokom godine je uspešno sprovedena i inicijativa za izmenu ovog propisa, koja je omogućila videoidentifikaciju i za preduzetnike i zastupnike pravnih lica. Udruženje je aktivno pomagalo bankama i državnim organima u donošenju i primeni Zakona o potvrđivanju sporazuma između Vlade Republike Srbije i Vlade SAD sa ciljem poboljšanja usaglašenosti poreskih propisa na međunarodnom nivou i primene FATKA propisa kroz podnošenje inicijativa, organizaciju sastanaka poslovnih banaka sa predstavnicima državnih organa nadležnih za implementaciju Zakona i komunikacije sa bankama. Posebno teški uslovi pandemije koronavirusa zahtevali su dodatne aktivnosti Kreditnog biroa na implementaciji mera kojima su Vlada Republike Srbije i Narodna banka Srbije uvele posebne olakšice u otplati obaveza ili mere za podršku građanima i privredi. Ove mere su bile u službi održanja kreditne aktivnosti i shodno tome zasnovane na adekvatnoj proceni kreditne sposobnosti klijenata banaka – fizičkih i pravnih lica. Udruženje je aktivno učestvovalo u nizu projekata digitalizacije, zajedno sa bankama i državnim institucijama poput NBS i Kancelarije za IT i elektronsku upravu. Zajedno sa NBS radili smo na projektu eMenica, a kreiran je i novi onlajn servis eUprave i banaka – „Moji podaci za banku“, koji građanima olakšava proces prikupljanja dokumentacije za keš kredit, a bankama omogućava da, uz pomoć državnih institucija, dođu do podataka na brz i siguran način. U nastavku ove godine Udruženje će nastaviti da realizuje započete projekte i da se kontinuirano bavi digitalizacijom i finansijskom edukacijom, a listi zadataka za ovu godinu svakako treba dodati i obeležavanje 100 godina od osnivanja Udruženja banaka Srbije, pošto je na ovim prostorima malo institucija koje traju ceo vek i koje su ostavile tako značajan trag u društvu u kojem živimo.

The ASB, as one of the six members of the international consortium, worked on drafting the proposal of the European project for financing from the EU fund HORIZON 2020, which was submitted to the European Commission, as a project proposal aimed at promoting energy efficiency, innovative EE financing instruments and education. Also, by joining the SBN - Sustainable Banking Network with the International Finance Corporation (IFC), the ASB expanded its international network of partnerships, and as support to youth education, the European Money Quiz project was held for the third time in 2020. The ASB has been an active participant in numerous drafts and amendments to laws and other regulations governing the work of banks. ASB expert bodies actively took part in initiating the adoption of a bylaw of the NBS which regulates the conditions and manner of establishing and verifying the identity of a natural person using electronic means of communication. In 2020, an initiative to amend this regulation was successfully implemented, which enabled video identification for both entrepreneurs and representatives of legal entities. The ASB actively assisted banks and government bodies in the adoption and implementation of the Law on Ratification of Agreements between the Government of the RS and the US Government, with the aim of improving tax compliance at the international level and implementing FATCA regulations through initiatives, meetings of banks and government bodies’ representatives implementing the Law, and communication with banks. Particularly difficult conditions caused by the pandemic required additional activities of the ASB Credit Bureau, concerning the implementation of measures by which the Government of the Republic of Serbia and the National Bank of Serbia introduced special relief in repayment of obligations, or measures to support citizens and the economy. These measures were adopted to maintain credit activity and were, accordingly, based on an adequate assessment of the creditworthiness of bank clients - individuals and legal entities. The Association actively participated in many digitalisation projects, together with banks and state institutions such as the National Bank of Serbia and the Office for IT and eGovernment. Together with the NBS, we worked on the “eMenica” project (electronic bill of exchange), and a new online service of eGovernment and banks was launched - “My Data for the Bank”, that should facilitate the process of collecting documentation for cash loans for citizens, and enable the banks to access data in a fast and secure way, with the help of state institutions. Throughout the rest of this year, the Association will continue to finalise its ongoing projects and continue working on digitalisation and financial education, and this year must also include a focus on the 100 years since the founding of the Association of Serbian Banks, as there are few institutions in this region that have lasted for a whole century, and that have left such a significant mark on the society in which we live.

Addiko banka

Srpsko bankarstvo 2020

Pravovremeno razvijanje digitalnog bankarstva dobilo je najbolju potvrdu strateške vrednosti u godini koju su obeležile velike promene usled globalne pandemije. Prepoznata kao jedan od lidera digitalnog bankarstva, Addiko banka je u godini izazova poslovala neometano, ponudivši inovativna rešenja i nove digitalne proizvode kako bi klijenti mogli bezbedno i neometano da realizuju sve transakcije koje su im bile neophodne. O prednostima ponude Addiko najbolje govori podatak da je udeo digitalnih usluga u novim plasmanima bio preko 30 odsto, kao i da je više od 90 odsto transakcija obavljeno digitalnim putem. Addiko banka je lansirala nove digitalne proizvode putem kanala mbanking i ebanking, učinivši bankarske usluge pogodnijim, jednostavnijim i bržim za korišćenje. Klijenti 24 časa dnevno, onlajn putem, mogu dobiti pregled stanja, vršiti instant plaćanja, aplicirati za prekoračenje po tekućem računu ili gotovinski mKredit, dok mRačun, kao jedan od pionirskih proizvoda u digitalnom bankarstvu, omogućava otvaranje računa kroz video autentifikaciju, bez odlaska u banku.

Addiko banka

Serbian Banking 2020

Timely development of digital banking has reaffirmed its strategic value in a year marked by major changes due to the global pandemic. Recognised as one of the leaders in digital banking, Addiko Bank has successfully operated in the year of challenges, offering innovative solutions and new digital products, enabling its clients to safely and smoothly perform all the transactions they needed. The advantages of Addiko’s offer are best shown by the fact that the share of digital services in new placements was over 30 percent, while over 90 percent of transactions were performed digitally. Addiko Bank launched new digital products through the mbanking and ebanking channels, making banking services more convenient, simpler, and faster to use. Clients can use a range of online services 24/7, such as account balance overview, instant payments, application for current account overdraft or mCredit, while mAccount, as one of the pioneering products in digital banking, allows for opening accounts via video authentication, without going to the bank.

Digitalno bankarstvo, direktan odnos sa klijentima i transparentna komunikacija, primena najsavremenijih mera zaštite i visok stepen zadovoljstva korisnika doprinose i snažnom razvoju digitalnog poslovanja u regionu, u okviru međunarodne finansijske grupacije Addiko Grupe.

Digital banking, a direct relationship with clients, and transparent communication, the implementation of technologically advanced safety measures, and a high level of customer satisfaction also contribute to the strong development of digital business in the region, within the international financial group Addiko Group.

Pored toga što je učvrstila poverenje zaposlenih i klijenata u izazovnom trenutku, zahvaljujući efikasnoj reorganizaciji poslovanja Addiko banka je posvećenost zajednici pokazala kroz niz humanitarnih akcija koje su organizovane u borbi protiv pandemije kovid-19.

In addition to strengthening the trust of employees and clients in challenging times, thanks to the efficient reorganisation of business, Addiko Bank has demonstrated its commitment to the community through a series of humanitarian actions organised in the fight against the Covid-19 pandemic.

Addiko Bank A.D. Milutina Milankovića 7v, Beograd, www.addiko.rs

Addiko Bank A.D. Milutina Milankovića 7v, Beograd, www.addiko.rs 14

Srpsko bankarstvo 2020

Addiko banka

Serbian Banking 2020

Addiko banka AIK Banka A.D. Beograd Bulevar Mihajla Pupina 115đ

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara

Iznos u milionima EUR

Amount in million RSD

Amount in million EUR

Ukupna bilansna aktiva

101.461.847

862.916

Total balance sheet assets

101.461.847

862.916

Ukupni kapital*

22.759.282

193.564

Total capital*

22.759.282

193.564

20.545.294

174.734

20.545.294

174.734

Akcijski kapital Koeficijent adekvatnosti kapitala

(Kapital / Kreditnik rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike) Prinos na aktivu (Dobitak pre oporezivanja / Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja / Prosečan ukupni kapital) Broj zaposlenih Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

Share capital Capital adequacy coefficient

26,40%

0,59%

2,58%

532 Centrala 1 Ekspoziture 36

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

(Capital / Credit risk pondered assets increased by capital requirements for market and operational risks) Return on assets (Profit before taxation / Average assets) Return on capital (Profit before taxation / Average total capital) Number of employees Organizational network (Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

26,40%

0,59%

2,58%

532 Head Office 1 Branches 36

* The data for the position Total capital was taken from the Balance Sheet

AIK Banka

Srpsko bankarstvo 2020

AIK Banka

Serbian Banking 2020

AIK Banka, kroz jednu od najsavremenijih i najsveobuhvatnijih digitalnih platformi na domaćem bankarskom tržištu, praćenu širokom mrežom filijala i posvećenim timom, omogućava visok kvalitet i kontinuiranu dostupnost čitavog niza finansijskih proizvoda i usluga svim klijentima, kako privredi, tako i stanovništvu. Fokusiranost na klijenta i najsavremenije korisničko iskustvo, kroz opšte povezivanje digitalne i direktne platforme, zadržava se kao prioritet i u narednom periodu.

AIK Bank, through one of the most modern and comprehensive digital platforms in the domestic market, accompanied by the wide network of branches and its committed team, ensures a high quality and continued availability of a series of financial products and services to its clients, both corporate and retail. The focus on the client and the most contemporary user experience, through a general interconnection of digital and direct platforms, will be maintained as a priority in the following period.

Digitalna osnova poslovanja, svoj značaj je posebno pokazala u toku prethodne godine, koja je i pred bankarski sistem stavila mnogobrojne izazove. AIK Banka je potvrdila svoju poziciju i stabilnost uspešnom i nesmetanom realizacijom svih aktivnosti i kompletnim servisiranjem klijenata u specifičnim okolnostima. Navedenom svedoči realizovani godišnji rast bilansne sume od 5,1% čime je dostignut nivo od ukupno EUR 2 mlrd, realizovana profitabilnost sa ostvarenim neto rezultatom od EUR 83,4 m praćeno značajnom depozitnom bazom i jakom kapitalnom osnovom.

The digital basis of business has proved its significance particularly during last year, which posed numerous challenges to the banking system. AIK Bank has confirmed its position and stability through the successful and smooth realization of all activities and full provision of services to its clients in specific circumstances. This is evidenced by the realized annual growth of the balance sum by 5.1%, thereby reaching the level of EUR 2 billion in total, the achieved profitability with the net result of EUR 83.4 mil., together with a substantial deposit base and strong capital base.

Nakon iskoraka AIK Banke na tržište EU, kroz realizovanu akviziciju slovenačke Gorenjske banke, zadržava se strateško opredeljenje koje ima za cilj dalje širenje poslovanja, rast i snažno pozicioniranje celokupne bankarske grupacije u ovom delu Evrope.

AIK Bank, after entering the EU market, through the completed acquisition of Slovenia-based Gorenjska banka, maintains its strategic orientation aimed at further expansion of business, growth, and strong positioning of the entire banking group in this part of Europe.

Uspešno poslovanje i doprinos AIK Banke su nagrađeni i priznanjem od strane prestižnog britanskog ekonomskog magazina International Banker za najbolju komercijalnu banku u Srbiji, šestu godinu za redom.

AIK Bank’s successful business and contribution have been awarded by the prestigious British economic magazine International Banker as the best commercial bank in Serbia, for the sixth consecutive year.

AIK Banka A.D. Beograd Bulevar Mihajla Pupina 115đ Novi Beograd www.aikbanka.rs

AIK Banka A.D. Belgrade Bulevar Mihajla Pupina 115đ Novi Beograd www.aikbanka.rs 18

Srpsko bankarstvo 2020

AIK Banka

Serbian Banking 2020

AIK Banka

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

Iznos u milionima EUR

Amount in million RSD

234.932

1.998

53.106

452

27.196

231

Ukupni kapital* Akcijski kapital Koeficijent adekvatnosti kapitala (Kapital / Kreditnik rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike) Prinos na aktivu (Dobitak pre oporezivanja / Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja / Prosečan ukupni kapital) Broj zaposlenih

Total balance sheet assets Total capital* Share capital

Amount in million EUR

234.932

1.998

53.106

452

27.196

231

Capital adequacy coefficient 22,29%

4,61%

19,13%

585

22,29%

4,61%

19,13%

585

Organizaciona mreža

Centrala,

Organizational network

Head Office,

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

50 filijala,

(Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

50 branches,

1 šalter

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

1 counter

* The data for the position Total capital was taken from the Balance Sheet

ALTA BANKA

Srpsko bankarstvo 2020

ALTA BANKA

Serbian Banking 2020

Sa tradicijom poslovanja dužom od četiri decenije, ALTA banka a.d. Beograd nastavlja rast i razvoj i unapređenje sopstvenog poslovanja, pružajući efikasan servis i podršku svojim klijentima. Banka će u najskorijoj budućnosti ponuditi klijentima brojne nove usluge, prvenstveno kroz proces digitalizacije. ALTA banka je definisala izmenjenu strategiju poslovanja sa fokusom na poslovanje sa stanovništvom, malim i srednjim preduzećima, lokalnim samoupravama, a u skladu sa tim je prilagodila i svoju organizacionu strukturu, kako bi mogla brzo i efikasno da odgovori na zahteve svojih klijenata.

With a business tradition of more than four decades, ALTA banka a.d. Belgrade continues with its growth and development and improving of its business, providing efficient service and support to its customers. In the near future, the Bank will offer its clients a number of new services, primarily through the digitalization process. ALTA Bank has defined an amended business strategy with a focus on retail, small and medium enterprises, local governments, and accordingly adjusted its organizational structure, so that it can quickly and efficiently respond to the requests of its clients.

Banka je nastavila dalji rast, primenjujući pri tome opreznu politiku upravljanja rizicima, u cilju zaštite interesa pre svega svojih deponenata, ali i svojih akcionara.

The Bank continued its further growth, applying a prudent risk management policy, in order to protect the interests of primarily its depositors, but also its shareholders.

Iako spadamo u red malih banaka po visini aktive i kapitalu, cilj nam je da budemo „velika“ i respektabilna banka po setu usluga koje nudimo i koje ćemo nuditi postojećim i budućim klijentima, pre svega kroz sinergiju i korišćenje mreže koju poseduju naš pojedinačno najveći akcionar Alta Pay Group d.o.o.

Although we are one of the small banks in terms of assets and capital, our goal is to be a “big” and respectable bank in terms of the set of services we offer and will offer to existing and future clients, primarily through synergy and use of networks owned by our largest shareholder, Alta Pay Group Ltd.

Takođe, Alta banka se pozicionira kao lider na polju društveno odgovornog poslovanja i promocije održivog razvoja, podržavajući različite projekte usmerene na implementaciju novih ciljeva održivog razvoja, kroz saradnju sa nacionalnom mrežom Globalnog dogovora UN i drugim organizacijama sličnog profila.

Also, Alta Bank has been positioned as a leader in the field of socially responsible business and sustainable development promotion by supporting various projects aimed at implementing new goals of sustainable development, through cooperation with the national network of the UN Global Compact and other organizations of similar profile.

ALTA banka A.D. Beograd, Bulevar Zorana Đinđića 121, Novi Beograd www.altabanka.rs

ALTA banka A.D. Belgrade, Bulevar Zorana Đinđića 121, Novi Beograd www.altabanka.rs 22

Srpsko bankarstvo 2020

ALTA BANKA

Serbian Banking 2020

ALTA BANKA

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

Iznos u milionima EUR

Amount in million RSD

23.639

201

4.042

3.080

Koeficijent adekvatnosti kapitala (Kapital / Kreditnik rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike) Prinos na aktivu (Dobitak pre oporezivanja / Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja / Prosečan ukupni kapital) Broj zaposlenih Organizaciona mreža (Centrala + drugi organizacioni delovi - poslovne jedinice, filijale, ekspoziture. Naglasiti o kojim organizacionim delovima se radi i navesti tačan broj)

Total balance sheet assets Total capital* Share capital

Amount in million EUR

23.639

201

4.042

3.080

Capital adequacy coefficient 27,33%

0,09%

0,49%

133 Centrala banke 1, Sektori 8, Nezavisnih odeljenja 8, Nezavisnih službi 3, Ekspoziture banke 3

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

27,33%

0,09%

0,49%

133 Headquarter 1 Bussiness units 8, Independent branch 8, Independent service 3, Sub - branches 3

* The data for the position Total capital was taken from the Balance Sheet

API bank

Srpsko bankarstvo 2020

API Banka a.d. Beograd je, na prvom mestu, univerzalna komercijalna banka čiji su klijenti stanovništvo, mala i srednja preduzeća, i velike kompanije kojima Banka pruža uslugu u njihovom relativno malom delu poslovanja gde je potreban individualni pristup i efikasna komunikacija na obostranu korist. Biti mali igrač ima svojih prednosti u odnosu na gigante koji posluju na bankarskom tržištu u Srbiji. Dva preduslova su presudna da bi se posao u API Banci uspešno obavio - visoko profesionalna, ekspertska kompetentnost svakog timskog igrača i jasno razumevanje operativnog tržišta. „S nama je jednostavnije“ je slogan koji odražava pristup načinu na koji API Banka kreira usluge i uspostavlja odnose sa svojim klijenatima. API Banka, kojom upravlja multinacionalni tim sa međunarodnom ekspertizom u modernom bankarstvu, prva je banka koja nudi stambene kredite strancima koji žive i zarađuju u inostranstvu. “Sa velikim zadovoljstvom smo ušli u ovu tržišnu nišu i počeli da pružamo uslugu klijentima kojima je Srbija privlačna iz različitih perspektiva. API Banka svakodnevno analizira potencijal još nepokrivenih, ali ciljanih niša u poslovanju - i vredno radi na rešenjima za ulazak. Fleksibilnost i brzo donošenje odluka daju nama, malim igračima niša, priliku da budemo pioniri u uvođenju inovacija”, izjavila je Marija Stepina, predsednica Izvršnog odbora API Banke. Od početka 2021. godine, API Banka, u novoj, modernoj filijali u Makedonskoj 44, u strogom centru Beograda, poseduje ogroman kapacitet sefova. Njih, pored redovnih usluga, nudi ljubazno i profesionalno osoblje, savetujući klijente da razviju dobru naviku čuvanja dragocenosti koje se ne koriste u svakodnevnom životu, na sigurnom mestu.

API Bank A.D. Beograd Kalemegdan Business Center Bulevar vojvode Bojovića 6-8, Beograd www.apibank.rs

Serbian Banking 2020

API bank

API Bank a.d. Belgrade is, in the first place, a universal commercial bank whose clients are the private individuals and small and medium enterprises, while providing services to large companies in their relatively small part of the business where an individual approach and efficient communication for mutual benefit is needed. Being a small player in the banking market has its advantages over the giants operating in the Serbian market. There are several advantages that small banks have in any market, while two preconditions are crucial for a job in API Bank to be done successfully - highly professional, expert competence of each team player and a clear understanding of the operating market. “It’s simpler with us” is a slogan that reflects the approach to the way API Bank creates services and establishes relationships with its clients. API Bank, managed by a multinational team with international expertise in modern banking, is the first bank to offer housing loans to foreigners living and earning abroad. “We are very pleased to have entered this market niche and started providing service to clients to whom Serbia is attractive from different perspectives. API Bank analyses the potential of uncovered but targeted business niches daily - and works hard on entry solutions. Flexibility and quick decisionmaking give us, small niche players, the opportunity to be pioneers in introducing innovations “, said Marija Stepina, President of the Executive Board of API Bank. From the beginning of 2021, API Bank, in a new, modern branch in Makedonska 44, in the very center of Belgrade, has a huge capacity of safe boxes. In addition to regular services, they are offered by friendly and professional staff, advising clients to develop a good habit of keeping valuables that are not used in everyday life, in a safe place.

API Bank A.D. Belgrade Kalemegdan Business Center Bulevar vojvode Bojovića 6-8, Belgrade www.apibank.rs 26

Srpsko bankarstvo 2020

API bank

Serbian Banking 2020

API bank

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

Iznos u milionima EUR

Amount in million RSD

10.360

88,11

Total balance sheet assets

1.952

16,60

Total capital*

4.632

39,40

Share capital

Amount in million EUR

10.360

88,11

1.952

16,60

4.632

39,40

Capital adequacy coefficient 30,06 %

92 Centrala 1 Ekspozitura 1 Filijala 1

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

30,06 %

92 Headquarter 1 Bussiness units 1 Sub - branches 1

* The data for the position Total capital was taken from the Balance Sheet

Banca Intesa

Srpsko bankarstvo 2020

Banca Intesa ad Beograd, članica Intesa Sanpaolo grupacije, je vodeća banka na domaćem tržištu, pouzdan partner za 1,36 miliona klijenata, fizičkih i pravnih lica. Sa neto bilansnom sumom od približno 6,1 milijardi evra, ukupnim depozitima od 4,5 milijarde evra i ukupnim plasmanima od 3,5 milijarde evra, Banca Intesa predvodi listu najuspešnijih banaka u Srbiji, u pogledu: ukupne aktive, ukupnih plasmana, ukupnih depozita, kao i ukupnog nivoa kapitala. Poslovni uspeh banke nagrađen je i velikim brojem internacionalnih priznanja koja su joj ukazali prestižni časopisi The Banker, Euromoney, Global Finance i Finance Central Europe. Zahvaljujući razvijenoj poslovnoj mreži koju čini 154 ekspozitura širom Srbije, najrazvijenijoj mreži bankomata i POS terminala, kao i profesionalnom timu od oko 3,000 zaposlenih, banka ostvaruje stabilne rezultate u svim oblastima poslovanja razvijajući aktivnosti u segmentu poslovanja sa stanovništvom i malim biznisom, privredom i lokalnim samoupravama. Banca Intesa svojim klijentima stavlja na raspolaganje inovativne proizvode, vrhunsku uslugu i jedinstveni spoj razvijene poslovne mreže i digitalnih servisa, dok se poslovna mreža kontinuirano unapređuje kroz poboljšanje servisnog modela koji obezbeđuje da usluga bude relevantna i efikasna, kao i organizaciju prostora u kojem se pruža usluga, sa fokusom na iskustvo klijenta. Na svim tačkama kontakta, banka nudi spoj tradicionalnog bankarstva i inovacija zasnovanih na razumevanju potreba klijenata i praćenju aktuelnih trendova u bankarskoj industriji. Kao vodeća banka na tržištu, banka ima važnu ulogu u životu privrede, ali i značajan uticaj na društveno i prirodno okruženje, što se posebno pokazalo tokom 2020. godine. Banca Intesa je u duhu odgovorne kompanije tokom pandemije među prvima reagovala, i već početkom aprila donirala 10 miliona dinara Republičkom fondu za zdravstveno osiguranje, sa ciljem podizanja kapaciteta zdravstvenih institucija u zemlji, te je izdvajanjem dodatnih resursa imala za cilj da pomogne društvu i doprinese naporima lokalne zajednice u globalnoj borbi protiv korona virusa.

Banca Intesa A.D. Beograd Milentija Popovića 7b, Beograd www.bancaintesa.rs

Banca Intesa

Serbian Banking 2020

Banca Intesa a.d. Beograd, member of Intesa Sanpaolo Group, is a leading bank in the domestic market, a reliable partner of 1.34 million clients, natural persons and legal entities. With a net balance sum of close to EUR 6.1 billion, EUR 4.5 billion in total deposits and EUR 3.5 billion in total loans, Banca Intesa is at the helm of the list of the most successful banks in Serbia in terms of: total assets, total placements, total deposits, as well as the total level of capital. The bank’s business success has been rewarded with a number of international awards handed by prestigious magazines The Banker, Euromoney, Global Finance and Finance Central Europe. Owing to a developed business network comprised of 154 branches all over Serbia, the most developed network of ATMs and POS terminals, as well as a professional team of around 3,000 employees, the bank achieves stable results in all fields of operation, developing its activities in the retail, small business, corporate and local self-government segments. Banca Intesa makes innovative products, offers top service, and a unique combination of a developed business network and digital services available to its clients, while the business network is continuously upgraded by improving the service model that ensures that the service is relevant and efficient, as well as the organization of service space, with a focus on the client experience. At all points of contact, the bank offers a blend of traditional banking and innovation based on understanding customer needs and following current trends in the banking industry. As the leading bank on the market, the bank has an important role in the life of the economy, but also a significant impact on the social and natural environment, which was especially evident during 2020. Banca Intesa was one of the first to react in the spirit of responsibility during the pandemic, and already at the beginning of April donated 10 million dinars to the Republic Health Insurance Fund, with the aim of raising the capacity of health institutions in the country, by allocating resources in order to help local communities in the global fight against coronavirus.

Banca Intesa A.D. Belgrade Milentija Popovića 7b, Belgrade www.bancaintesa.rs

Srpsko bankarstvo 2020

Banca Intesa

Serbian Banking 2020

Banca Intesa

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital*

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

717.185,7

6,066.5

109.014,6

927,2

41.748,5

355,1

Akcijski kapital Koeficijent adekvatnosti kapitala

Total balance sheet assets Total capital* Share capital

Amount in million EUR

717.185,7

6,066.5

109.014,6

927.2

41.748,5

355,1

Capital adequacy coefficient 19,85%

1,6%

10,4%

3.061

Centrala 1 Regionalna centra 4 Ekspozitura 155

(Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

19,85%

1,6%

10,4%

3.061 Headquarter 1 Regional center 4 Bussiness units 155

* The data for the position Total capital was taken from the Balance Sheet

BANK OF CHINA

Srpsko bankarstvo 2020

BANK OF CHINA

Serbian Banking 2020

Postoji više od 50 firmi koje su otvorile 227 računa i započele posao sa Bank of China Srbija a.d. Beograd, kao što su Telekom Srbija, Aerodrom Beograd, HBIS Smederevo, Zijin Bor, Huawei Technology, a banka opslužuje i sve kineske kompanije u Srbiji. Saldo depozita klijenata ekvivalentan je 147 miliona američkih dolara.

There are more than 50 companies that have opened 227 accounts and started business with Bank of China Srbija a.d. Beograd, such as Telekom Srbija, Belgrade Airport, HBIS Smederevo, Zijin Bor, Huawei Technology, and the bank serves all Chinese companies in Serbia as well. The balance of customer deposits is equivalent to US$147 million.

Poslednjih godina, banka optimizira i poboljšava svoju operativnu mrežu. DPP sistem trenutnih doznaka male vrednosti uspešno je pušten u rad u oktobru prošle godine. Banka je ove godine nadogradila funkciju obrade novčanih doznaka kako bi ostvarila potpuno automatizovanu obradu i obradu doznaka male vrednosti u vezi sa porezom.

In recent years, the bank has been optimizing and improving its operating network. The DPP smallvalue instant remittance system was successfully put into operation in October last year. The bank upgraded the financial payment remittance processing function this year to realize the fully automated processing and processing of tax-related small-value remittances.

Banka, kao most između dveju zemalja, pruža kineskim firmama pogodnost za ulaganje i poslovanje u Srbiji, kao i srpskim firmama za poslovanje u Kini.

The bank, as a bridge between the two countries, provides convenience to Chinese companies for investment and business in Serbia, as well as to Serbian companies for doing business in China.

U pogledu uvođenja investicija u Srbiju, do sada je najuspešniji primer privatizacija RTB-a Bor. Projekat trenutno dobro posluje, a Bank of China pruža finansijsku potporu za likvidnost i tehnološku transformaciju.

In terms of introducing investment to Serbia, the most successful example thus far is the privatization of RTB Bor. The project is currently operating well, and Bank of China has been providing financing support for liquidity and technological transformation.

Banka aktivno pruža usluge finansiranja i obračuna lokalnim firmama. Kao najveći finansijer HIBS Grupe, pružamo usluge finansiranja HIBIS grupi, kao i Železari Smederevo. Drugu fazu Telekoma Srbija-Huawei ALL-IP finansiraju mađarska grana BOC i kineska EXIM banka zajedno. BOC Srbija drži poverenički račun.

The bank actively provides financing and settlement services to local companies. As the biggest creditor of HIBS Group, we provide the financing service to the Group, as well as the Smederevo Steel Plant. Telekom Srbija-Huawei ALL-IP second phase is financed by BOC Hungarian Branch and China EXIM bank together. BOC Serbia holds the Escrow Account.

U aspektu izvoza, banka se fokusira ne samo na velike firme već i na mala i srednja preduzeća. Poslednjih godina, gotovo svake godine održavao se Forum za upoznavanje pod nazivom „17 + 1“ na inicijativu BOC-a, a banka je organizovala dolazak desetina malih i srednjih preduzeća iz Srbije, što je pružilo nove poslovne mogućnosti i srpskim i kineskim tvrtkama. Banka je takođe organizovala i dolazak srpskih firmi da prisustvuju upoznavanju na China Import EXPO i Online Canton Fair događajima, omogućivši srpskim firmama da komuniciraju sa kineskim firmama licem u lice, kako bi proširili izvoz iz Srbije u Kinu.

In the export aspect, the bank focuses not only on the giant companies but also the SMEs. In recent years, a match making Forum entitled “17+1” Summit initiated by BOC was held nearly every year, and the bank organized dozens of SMEs from Serbia to attend, which provided new business opportunities for both Serbian and Chinese companies. The bank also organized Serbian companies to attend a match making in the China Import EXPO and Online Canton Fair, letting Serbian companies communicate with Chinese companies face to face, to expand the export from Serbia to China.

Banka radi na prevenciji epidemije u skladu sa smernicama, zahtevima i nadzorom Vlade Srbije, a borila se rame uz rame sa srpskim narodom. Banka je aktivno izvršavala svoje društvene odgovornosti. Nakon izbijanja pandemije virusa COVID-19, banka je preko svog sedišta podigla više od 40.000 medicinskih maski i darovala ih srpskim bolnicama i drugim institucijama. Banka je donirala 3 miliona dinara za nacionalni zdravstveni fond za kupovinu respiratora. Redovno dostavlja zaposlenima dovoljno protivepidemijskih sredstava, a svi zaposleni u banci su zdravi.

The bank has been carrying out epidemic prevention work in accordance with the guidance, requirements, and supervision by the Serbian government, and has fought side by side with the Serbian people. The Bank actively fulfilled its social responsibilities. After the outbreak of COVID-19, the bank raised more than 40,000 medical masks through the head office and donated them to Serbian hospitals and other institutions. The bank donated 3 million dinars for the national health fund to buy ventilators. It regularly provides employees with enough anti-epidemic items. All employees of the bank are healthy.

BANK OF CHINA SRBIJA A.D. Beograd Bulevar Zorana Djindjica 2a, Novi Beograd www.bankofchina.com

BANK OF CHINA SRBIJA A.D. Belgrade Bulevar Zorana Djindjica 2a, Novi Beograd www.bankofchina.com 34

Srpsko bankarstvo 2020

BANK OF CHINA

Serbian Banking 2020

BANK OF CHINA

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

Iznos u milionima EUR

Amount in million RSD

12.941

110

1.763

1.844

12.941

110

1.763

1.844

Total capital* Share capital Capital adequacy coefficient

78,35%

-1,58%

-9,95%

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

Total balance sheet assets

Amount in million EUR

78,35%

-1,58%

-9,95%

Organizational network (Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

Centrala

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

Headquarter

* The data for the position Total capital was taken from the Balance Sheet

Banka Poštanska ŠtedionicaОсновни

логотип примена на светлој површини

Srpsko bankarstvo 2020

Postal Savings Bank

Основни логотип примена на светлој површини

Најдуже се знамо

Serbian Banking 2020

Најдуже се знамо

Za Banku Poštanska štedionica 2020. je, uprkos izazovima koje je nametnula pandemija korona virusa, bila još jedna uspešna godina. Kao i prethodne četiri godine, ostareni rezultat je tačan i restriktivan, a nastavljen je i vrlo dinamičan organski rast bilansne sume koji je među najvećim na bankarskom tržištu Srbije.

Despite challenging circumstances caused by the COVID-19 pandemic, the year 2020 was a year more of good business results for Postal Savings Bank j.s.c. Belgrade. As in the previous four years, the achieved result was accurate and restrictive, and a very dynamic organic growth of the balance-sheet total was continued as one of the largest in the Serbian banking market.

Odmah po proglašenju epidemije Kovid 19, u Banci Poštanska štedionica oformljen je krizni štab da na dnevnom nivou sagledava trenutne okolnosti kako bi se apsolutno održao kontinuitet poslovanja, a zdravstveni rizik za zaposlene i klijente sveo на na тамној minimum. Sve ekspoziture radile su bez zastoja, a Основни логотип примена површини zaposleni u Banci odradili zaista herojski posao.

Immediately at the onset of the Covid-19 pandemic, Postal Savings Bank formed emergency headquarters to follow current circumstances on a daily basis, in order to fully maintain business continuity and to minimizeлоготип the health risk for its All branch offices continued with their Основни примена наemployees. тамној површини work and the employees in the Bank did a heroic job.

Istovremeno, zabeležen je veliki skok broja korisnika elektronskog i mobilnog bankarstva.

At the same time, a significant rise in the number of users of electronic and mobile banking was recorded. In order to be closer to its clients, the Bank purchased two mobile branch offices, unique in the domestic market. These branch offices on wheels, with built-in ATMs, were constantly on the move to different locations across the country.

Da bi bila još bliže klijentima, Banka je nabavila dve mobilne ekspoziture, jedinstvene na domaćem tržištu. Ove ekspoziture na točkovima, sa ugrađenim bankomatom, kontinuirano su u pokretu na različitim lokacijama širom zemlje. Banka, koja u 2021. godini obeležava vek postojanja i neprekidnog rada, uvela je nekoliko inovativnih proizvoda i usluga, razbijajući na taj način predrasude o manjku inovativnosti i inertnosti državnih institucija. Omogućila je, između ostalog, prvo plaćanje QR kodom na prodajnom mestu trgovaca, kao i podizanje gotovine Dina karticama na benzinskim stanicama NIS-a. Dobro bankarstvo ne bazira se samo na profitu, već i na ličnom, bliskom odnosu sa klijentima. Najveći profit dolazi upravo iz tog odnosa koji stvara poverenje i poštovanje. Kada je banka državna, kao što je Banka Poštanska štedionica, onda je taj princip još važniji. Ovakvim poslovanjem pokazuje se da kompanije čiji je vlasnik država mogu da budu primer dobrog, domaćinskog poslovanja, u kojem je briga za klijenta, državu i društvo na prvom mestu. Кабинет Извршног одбора

Најдуже се знамо

The Bank that in 2021 celebrates a century of existence and uninterrupted work, introduced several innovative products and services, breaking down prejudices on the lack of innovation and inertia of state institutions. It enabled, among other things, the first QR code payment at the merchants’ points of sale, as well as cash withdrawals with Dina cards at NIS gas stations. Good banking operations are not based only on the profit, but also on a personal, close relationship with clients. The biggest profit comes from the very relationship that creates trust and respect. When a bank is state-owned, as Postal Savings Bank is, then this principle is even more important. By doing business like this, it has been shown that the state-owned companies may be an example of good domestic business practices, where the care for the client, state and society comes first.

Најдуже се знамо

mts Bank JSC Belgrade

Кабинет Извршног одбора Одељење за маркетинг и односе са јавношћу 13. новембар 2020.

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

Banka Poštanska Štedionica Ulica kraljice Marije broj 3, Beograd www.posted.co.rs

Postal Savings Bank Kraljice Marije 3 Street, Belgrade www.posted.co.rs 38

Srpsko bankarstvo 2020

Banka Poštanska Štedionica

Serbian Banking 2020

Postal Savings Bank

DATA FOR 2020

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

Iznos u milionima EUR

Amount in million RSD

290.681

2.472

26.505

225

16.219

138

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

290.681

2.472

26.505

225

16.219

138

Capital adequacy coefficient 20,3%

1,0%

10,1%

2.272 Centrala, 6 regionalnih centara, 24 filijala, 161 ekspozitura, 30 samostalnih šaltera

20,3%

1,0%

10,1%

2.272 Headquarters, 6 regional centers, 24 branches, 161 branches, 30 independent counters

Direktna Banka

Srpsko bankarstvo 2020

Direktna Banka

Serbian Banking 2020

Direktna Banka a.d. Kragujevac ove godine obeležava jubilej – pet godina uspešnog poslovanja Banke koja pod jednim imenom okuplja bogato iskustvo bankara KBM, Findomestic BNP Paribas i Piraeus banke, jednostavna i efikasna rešenja, kao i imperativ da klijentu uvek omogući dodatni komfor i unapređeno korisničko iskustvo.

Direktna Banka ad Kragujevac celebrates a jubilee this year - five years of the Bank’s successful business operations as an entity, which under one name gather the rich banking experience of KBM, Findomestic BNP Paribas and Piraeus Bank, the simple and efficient solutions, as well as the imperative to always provide the client with additional comfort and improved user experience.

Direktna Banka je univerzalna finansijska institucija koja je usmerena na rad sa stanovništvom i pravnim licima. Zahvaljujući ponudi kreiranoj po meri, Banka je u mogućnosti da izađe u susret raznovrsnim potrebama klijenata i jednostavnim rešenjima sa dodatnom vrednošću obezbedi pozitivne rezultate u svim segmentima poslovanja, visoku likvidnost i veliku kapitalizovanost.

Direktna Banka is a universal financial institution that is focused on working with individuals and legal entities. Thanks to its tailor-made offers, the Bank is able to meet the diverse needs of clients and provide positive results in all business segments, high liquidity and high capitalization with simple value-added solutions.

U proteklom periodu Banka je nastavila da pruža kontinuiranu podršku zajednici, pre svega tokom pandemije Covid 19 virusa putem donacija respiratora i ultrazvučnih spirometara zdravstvenim ustanovama u našoj zemlji. Korisnicima proizvoda i usluga Banke omogućene su brojne pogodnosti i noviteti u domenu beskontaktnog plaćanja i digitalnog bankarstva. Banka trenutno radi na uvođenju Digitalne banke, koja postavlja temelj za dalje unapređenje kvaliteta i efikasnosti njenog poslovanja, kroz unapređeno korisničko iskustvo, značajnu uštedu vremena i jednostavno korišćenje. Direktna Banka je godinu započela vrlo ambiciozno i očekuje dalji rast depozitnog i kreditnog portfolija, kao i broja zadovoljnih klijenata.

In the past period, the Bank has also continued to provide continuous support to the community, primarily during the Covid-19 virus pandemic, through donations of medical equipment, such as medical ventilators and ultrasound spirometers, to health care institutions in our country. Users of the Bank’s products and services are provided with numerous benefits and novelties in the field of contactless payment and digital banking. The Bank is currently working on the introduction of the Digital Bank, which lays the foundation for further improving the quality and efficiency of its operations, through improved user experience, significant time savings and ease of use. Direktna Banka started the year very ambitiously and expects further growth of the deposit and loan portfolio, as well as the number of satisfied clients.

Direktna Banka A.D. Kragujevac Bulevar kraljice Marije 54B, ulaz 54N, Kragujevac www.direktnabanka.rs

Direktna Banka A.D. Kragujevac Bulevar kraljice Marije 54B, ulaz 54N, Kragujevac www.direktnabanka.rs 42

Srpsko bankarstvo 2020

Direktna Banka

Serbian Banking 2020

Direktna Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

60.087

511

Total balance sheet assets

11.080

Total capital*

1.917

Amount in million EUR

60.087

511

11.080

1.917

Share capital Capital adequacy coefficient

25,82%

1,10%

6,08%

579 Centrala u Kragujevcu, 4 regionalna centra, 47 ekspozitura

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

25,82%

1,10%

6,08%

579 Head Office in Kragujevac, 4 Regional offices, 47 branch offices

* The data for the position Total capital was taken from the Balance Sheet

Erste Bank

Srpsko bankarstvo 2020

Erste Bank

Serbian Banking 2020

„Za nama je izazovna godina u kojoj smo pokazali koliko su važne stabilnost i pripremljenost, kao i fleksibilnost, međusobno razumevanje i podrška. Situacije kroz koje smo prošli zajedno sa našim klijentima predstavljale su test, ali i dokaz da klijenti mogu u svakom trenutku da se oslone na nas. Kao odgovorna institucija i sistemski značajna banka u Srbiji, vodimo računa o svim aspektima svog poslovanja, a godinu velikih iskušenja završili smo na prvom mestu po korisničkom iskustvu klijenata fizičkih lica“, izjavio je Slavko Carić, predsednik Izvršnog odbora Erste Bank a.d. Novi Sad.

“The year behind us was challenging for us, but we have shown how highly we value stability and readiness, as well as flexibility, mutual understanding and support. The situations we went through together with our clients were a test, but also a proof that clients can rely on us at any time. As a responsible institution and a systemically important bank in Serbia, we take care of all aspects of our business, and we ended this year of great tribulations in the first place in terms of user experience of retail clients”, said Slavko Carić, President of the Executive Board of Erste Bank a.d. Novi Sad.

Savetodavni pristup, podrška finansijskih stručnjaka i fleksibilnost kada je reč o potrebama klijenata još više su došli do izražaja u godini pandemije, pa su tako u poređenju sa krajem 2019. depoziti stanovništva i mikro klijenata porasli za 28,2%, a depoziti pravnih lica zabeležili su još značajniji rast za 57,4%.

An advisory approach, the support of financial experts and flexibility when it comes to client needs came to the forefront even more in the year of the pandemic, so compared to the end of 2019, retail and micro client deposits increased by 28.2%, and corporate deposits recorded an even more significant growth of 57.4%.

„Nastavljamo sa intenzivnim ulaganjima značajnih sredstava u prelazak na novi operativni sistem Banke, koji će nam pružiti još veću fleksibilnost i omogućiti da se još više posvetimo potrebama klijenata, jer dobro korisničko iskustvo predstavlja prioritet u modernom bankarstvu“, zaključio je Carić.

“We continue with intensive and significant investments in the Bank’s transition to a new operating system, which will provide us with even greater flexibility and enable us to pay even more attention to customer needs, because a good user experience is a priority in modern banking,” concluded Carić.

Ukupna neto dobit Erste Banke na kraju 2020. godine iznosila je 1,33 milijarde dinara. Broj poslovnih jedinica iznosio je 88, dok je ukupan broj aktivnih klijenata 510 hiljada.

The total net profit of Erste Bank at the end of 2020 amounted to 1.33 billion dinars. The Bank had 88 offices, and 510 thousand active clients.

ERSTE Bank A.D. Novi Sad Bulevar Oslobođenja 5, Novi Sad www.erstebank.rs

ERSTE Bank A.D. Novi Sad Bulevar Oslobođenja 5, Novi Sad www.erstebank.rs 46

Srpsko bankarstvo 2020

Erste Bank

Serbian Banking 2020

Erste Bank

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

287.004

2.441

32.929

280

15.463

132

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

287.004

2.441

32.929

280

15.463

132

Capital adequacy coefficient 19,49%

0,46%

3,69%

1152 Centrala: 504, Filijale: 451, Služba upravljanja aktivom i pasivom: 5, Služba finansiranja nekretnina: 6, Sektor poslova sa pravnim licima: 46 Poslovi sa stanovništvom – prodaja: 60 Poslovi sa stanovništvom – razvoj: 62 Sektor finansijskih tržišta: 18

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

19,49%

0,46%

3,69%

1152 Central office: 504, Branches: 451, Assets and Liabilities Management Service: 5, Real Estate Financing Service: 6, Legal Entities Sector: 46 Retail Sale: 60 Retail Banking Development: 62 Financial Markets Sector: 18

* The data for the position Total capital was taken from the Balance Sheet 48

Eurobank Srbija

Srpsko bankarstvo 2020

Eurobank a.d. posluje u Srbiji od 2003. godine i danas je među vodećim stranim investitorima i finansijskim organizacijama u zemlji sa ukupnom aktivom od 1,69 milijarde evra i kreditnim portfolijom od preko 1,22 milijarde evra (na dan 31.12.2020.). Eurobank svojim klijentima nudi širok dijapazon standardnih i inovativnih bankarskih proizvoda i usluga. Poslovna mreža Eurobanke sastoji se od 80 ekpozitura i 5 centara za rad sa privredom na glavnim poslovnim, kulturnim i istorijskim lokacijama. U godini pogođenoj pandemijom, Eurobank je kao prioritet postavila zaštitu zdravlja zaposlenih, kao i svih saradnika i klijenata, istovremeno obezbeđujući nesmetan pristup svim proizvodima i uslugama Banke. U okviru razvoja savremenih tehnologija, dodatno su unapređeni elektronski servisi, on-line registracija za digitalne usluge, kao i pristup m-banking aplikaciji putem biometrijskih podataka. Tokom 2020. godine, kroz samostalne donacija i u saradnji sa UNICEF-om, Eurobank je obezbedila sredstva za nabavku neophodne medicinske i zaštitne opreme, u ukupnom iznosu od preko sedam miliona dinara. Eurobank je u oktobru 2020. godine nagrađena Poveljom za izuzetan doprinos tokom borbe protiv koronavirusa, kao i doprinos razvoju dobročinstva i filantropije, koju dodeljuju Srpski filantropski forum i Fond B92. U 2020. godini nastavljen je projekat „Škola kao nacrtana za Vas“ koji Eurobank realizuje uz podršku Ministarstva prosvete, nauke i tehnološkog razvoja, a tri kabineta u srednjim ekonomskim školama opremljena su novom IT opremom.

Eurobank Srbija

Serbian Banking 2020

Eurobank a.d. has been operating in Serbia since 2003 and today represents one of the leading foreign investors and financial organisations in the country, with its total assets standing at EUR 1.69 billion and a loan portfolio of more than EUR 1.22 billion (as of 31/12/2020). Eurobank offers a wide range of standard and innovative banking products and services. Eurobank’s network consists of 80 branches and five corporate banking centres in key business, cultural, and historical locations. In a year hit by the pandemic, Eurobank has set the health protection of its employees, associates, and customers as a priority, at the same time ensuring an unhindered access to its products and services. Within the continuous development of modern technologies, Eurobank’s e-services have been additionally upgraded including the on-line registration for digital services and biometric log-in to the m-banking app. During 2020, Eurobank donated more than RSD 7 million in total for the purchase of vital medical equipment, both through individual donations and in partnership with UNICEF. In October 2020, the Serbian Philanthropic Forum and B92 Fund awarded Eurobank with the Charter for Exceptional Contribution in the Fight Against the Coronavirus and Contribution in Charity and Philanthropy Promotion. In 2020, the project “A School Designed for You” was successfully continued by Eurobank, with the support of the Ministry of Education, Science and Technological Development, as classrooms in three high schools were modernized and furnished with brand new IT equipment.

Eurobank Srbija A.D. Beograd Vuka Karadžića 10, Beograd www.eurobank.rs

Eurobank Srbija A.D. Belgrade Vuka Karadžića 10, Belgrade www.eurobank.rs

Srpsko bankarstvo 2020

Eurobank Srbija

Serbian Banking 2020

Eurobank Srbija

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

196.239

1.669

53.676

457

31.479

268

Total capital* Share capital

196.239

1.669

53.676

457

31.479

268

Capital adequacy coefficient 24,44%

0,43%

1,49%

1451

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

Total balance sheet assets

Amount in million EUR

Centrala 1 Ekspoziture 80

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

24,44%

0,43%

1,49%

1451

Organizational network (Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

Central office: 1 Branches: 80

* The data for the position Total capital was taken from the Balance Sheet 52

Expobank

Srpsko bankarstvo 2020

Expobank a.d. Beograd je moderna finansijska institucija koja je u 2020. godini nastavila svoju misiju povezivanja ljudi i kompanija na tržištima Srbije, Češke i Rusije. Omogućavanje efikasnijeg izvoza srpskih preduzeća kao i privlačenje velikih poslovnih projekata iz tih zemalja je i dalje u fokusu grupe koja već 4 godine posluje na tržištu Srbije. Expobank a.d. Beograd je centar poslovnih aktivnosti Grupe u regionu i sa visokom likvidnošću, visokim kapitalom i transparentošću vlasničke strukture posluje u skladu sa međunarodnim poslovnim standardima. Pokazatelj adekvatnosti kapitala je visok i iznosi 32.88%, uz regulatorni kapital od 28 miliona evra. “U narednom periodu fokus na klijenta i usluge poput upravljanja imovinom, strukturiranih kredita i savetodavnih usluga u vezi sa budućim investicijama i dalje će biti prioritetni zadatak uz dalje jačanje kapitalne osnove i očuvanja dugoročne i obostrano korisne poslovne saradnje Banke i njenih klijenata. Takođe, ulaganje u nove tehnologije i korišćenje novih digitalnih kanala koji će olakšati i ubrzati poslovanje naših klijenata i modernizacija postojećih rešenja su isto deo naše dugoročne strategije za koju verujemo da će doneti uspeh, kako Banci, tako i našim klijentima”, istakao je Borislav Strugarević, predsednik Izvršnog odbora Expobanke a.d. Beograd.

EXPOBANK A.D.BEOGRAD Dalmatinska 22, Beograd www.expobank.rs

Expobank

Serbian Banking 2020

Expobank a.d. Belgrade is a modern financial institution, which in 2020 continued its mission of connecting people and companies in the markets of Serbia, the Czech Republic and Russia. Enabling more efficient exports of Serbian businesses as well as attracting large business projects from these countries remains the focus of this group that has been operating on the Serbian market for 4 years. Expobank JSC Belgrade is the centre of the Group’s business activities in the region and, with high liquidity, high capital and transparency of the ownership structure, it operates in accordance with international business standards. The capital adequacy indicator is high, at 32.88%, with regulatory capital of 28 mill. euros. “In the coming period, the focus on clients, and services such as asset management, structured loans and advisory services related to future investments, will continue to be a priority task while further strengthening the capital base and preserving the long-term and mutually beneficial business cooperation between the Bank and its clients. Also, investing in new technologies and using new digital channels that will facilitate and accelerate the business of our clients and modernize existing solutions are also part of our longterm strategy which we believe will bring success to both the Bank and our clients,” noted Borislav Strugarević, president of Expobank JSC Belgrade Executive Board.

EXPOBANK A.D.BEOGRAD Dalmatinska 22, Beograd www.expobank.rs

Srpsko bankarstvo 2020

Expobank

Serbian Banking 2020

Expobank

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

16.276

138

3.466

8.549

Total balance sheet assets Total capital* Share capital

Amount in million EUR

16.276

138

3.466

8.549

Capital adequacy coefficient 32,88%

-1,63%

-6,98%

133 Centrala 1 Filijale 4 Šaltera 2

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

32,88%

-1,63%

-6,98%

133 Central office: 1 Branches: 4 Desks: 2

* The data for the position Total capital was taken from the Balance Sheet 56

Srpsko bankarstvo 2020

HALKBANK

Ljudi pre svega

Serbian Banking 2020

HALKBANK

Ljudi pre svega

Halkbank na prostoru Republike Srbije uspešno posluje već šest godina. Od dolaska na tržište Republike Srbije 2015. godine, Banka neprestano radi na rastu broja poslovnica i širenju mreže bankomata, u cilju što veće dostupnosti klijentima.

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

Tradicionalno Halkbank stavlja fokus na mala i srednja preduzeća i u budućnosti ćemo nastaviti da dajemo snažnu podršku realnom sektoru. Poslovanje sa klijentima privrede je u 2020. godini bilo u značajnoj meri opterećeno pandemijom bolesti Covid-19, i u ovom periodu Banka je svoje poslovanje orijentisala na mere podrške i olakšice za klijente. Posebno smo ponosni na svoje učešće u Garantnoj šemi za podršku privredi, u saradnji sa Ministarstvom finansija i Narodnom bankom Srbije, kroz koju smo podržali naše MSP klijente. Banka je na taj način omogućila pristup finansiranju svojim klijentima u uslovima globalne pandemije i potvrdila svoju stratešku orijentaciju ka malim i srednjim preduzećima.

Traditionally, Halkbank puts a strategic focus on small and medium enterprises, and, in the future, we will continue to give strong support to the real sector. Business with clients of the economy in 2020 was significantly burdened by the Covid-19 pandemic, and in this period the Bank focused its operations on support measures and facilities for clients. We are especially proud of our participation in the Guarantee Scheme for Economic Support, in cooperation with the Ministry of Finance and the National Bank of Serbia, through which we have supported our SME clients. In this way, the Bank provided access to financing to its clients and the conditions of the global pandemic and confirmed its strategic orientation towards small and medium-sized enterprises.

Naš primarni cilj je da kreiramo proizvode prilagođene potrebama klijenata, a promene koje je donela 2020. godina dodatno su naglasile značaj tailor made usluga. Digitalna transformacija je proces u koji neprestano ulažemo, a u 2020. Halkbank je uvela sistem samostalne obrade kartičarskih transakcija u okviru Banke i započela samostalnu personalizaciju kartica, čime je obezbeđena dodatna sigurnost i kvalitet izrade kartica. U segmentu kartičarstva Halkbank klijentima nudi kreditne kartice koje nose brojne pogodnosti. Poseban novitet koji smo uveli ove godine jeste HalkTag, privezak kartica koja predstavlja praktično rešenje za svakodnevna plaćanja.

Our goal is to create products tailored to customer needs, and the changes brought by 2020 have further emphasized the importance of tailor-made services. Digital transformation is a process in which we are constantly investing, and, in 2020, Halkbank introduced a system of independent processing of card transactions within the Bank and began the independent personalization of cards, which provided additional security and quality of card production. Halkbank offers credit cards that carry numerous benefits. A special novelty that we have introduced this year is HalkTag, a keychaincard that is an ideal solution for everyday payments.

Brižnost, brzina, kvalitet usluge i kontinuirani rad na unapređenju korisničkog iskustva su ono što opravdava poverenje klijenata. U svojem poslovanju Banka će nastaviti da na prvo mesto stavlja zadovoljstvo klijenata i zaposlenih.

Care, promptness, quality of service and continuous work on improving the user experience are what justify the trust of customers. In its operations, the Bank will continue to put customer and employee satisfaction first.

HALKBANK A.D. Beograd Milutina Milankovića 9e, Novi Beograd www.halkbank.rs

HALKBANK A.D. Belgrade Milutina Milankovića 9e, Novi Beograd www.halkbank.rs 58

Srpsko bankarstvo 2020

HALKBANK

Serbian Banking 2020

HALKBANK

PODACI ZA 2020. GODINU Iznos u milionima dinara

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

Amount in million EUR

Ukupna bilansna aktiva

85.016

723

Total balance sheet assets

85.016

723

Ukupni kapital*

12.489

106

Total capital*

12.489

106

8.973

Akcijski kapital Koeficijent adekvatnosti kapitala (Kapital / Kreditnik rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike) Prinos na aktivu (Dobitak pre oporezivanja / Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja / Prosečan ukupni kapital) Broj zaposlenih

Share capital Capital adequacy coefficient

21,18%

0,70%

4,30%

540

Organizaciona mreža

Centrala 1

Organizational network

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

Filijale 28

(Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

Ekspoziture 7 Šalter 1

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

21,18%

0,70%

4,30%

540 Central 1 Branches 28 Branches 7 Counter 1

* The data for the position Total capital was taken from the Balance Sheet 60

KOMERCIJALNA BANKA

Srpsko bankarstvo 2020

U poslovnom smislu 2020. godinu obeležio je proces kupovine i priključivanja Komercijalne banke NLB Grupi. U februaru je potpisan ugovor između Ministarstva finansija Republike Srbije i Nove Ljubljanske banke d.d. o kupoprodaji 83,23 odsto akcija Komercijalne banke. Nakon toga je započeo proces preuzimanja Banke koji je uspešno završen 30.12.2020. god. Jedan od najvećih izazova u 2020. godinu bio je i pandemija koronavirusa. Bezbednost ljudi, kako zaposlenih tako i klijenata, je bila i ostala na prvom mestu i o tome je najviše vođeno računa. Osim prilagođavanja radnog vremena novim okolnostima, podržali smo i stabilnost finansijskog sistema kroz tri moratorijuma koja je spremila Narodna banka Srbije. Poslovanje u novoj realnosti, odnosno ubrzano aktiviranje digitalnih kanala i usluga jedna je od glavnih odlika 2020. godine. Sa ponosom možemo da kažemo da je za 40 odsto povećana upotreba digitalnih servisa Banke. Nesmanjenim tempom Komercijalna banka je radila i na digitalizaciji internih procesa kako bi ih unapredili i kako bi klijenti dobili što bolje usluge. Kao društveno odgovorna kompanija u ovoj izazovnoj godini, kada se ceo svet bori sa koronavirusom, i Komercijalna banka se pridružila toj borbi. Na početku pandemije je donirano 8 miliona dinara za nabavku respiratora. Takođe, doniran je inkubator za porodilište „Dragiša Mišović“ za zbrinjavanje novorođenčadi obolelih od koronavirusa. Istovremeno, donirano je i sto neinvazivnih maski istoj bolnici. U toj borbi pomogli smo i Infektivnoj klinici i GAK Narodni front. Kao kruna svega došla je nagrada Srpskog filantropskog foruma. Pre pandemije nastavljena je i tradicionalna akcija „Zajedno za bebe“.

KOMERCIJALNA BANKA

Serbian Banking 2020

In business terms, 2020 was marked by the process of purchasing and joining Komercijalna Banka to the NLB Group. In February, an agreement was signed between the Ministry of Finance of the Republic of Serbia and Nova Ljubljanska banka d.d. on the purchase and sale of 83.23 percent of the shares of Komercijalna Banka. After that, the process of taking over the Bank began, which was successfully completed on December 30, 2020. One of the biggest challenges in 2020 was the coronavirus pandemic. The safety of people, both employees and clients, has been and remains in the first place and this has been taken into account the most. In addition to adjusting working hours to new circumstances, we also supported the stability of the financial system through three moratoriums prepared by the National Bank of Serbia. Doing business in the new reality, i.e., accelerated activation of digital channels and services, is one of the main features of 2020. We can proudly say that the use of the Bank’s digital services has increased by 40%. Komercijalna banka also worked at a slow pace to digitize internal processes in order to improve them and to provide clients with the best possible services. As a socially responsible company in this challenging year, when the whole world is fighting the coronavirus, Komercijalna Banka also joined that fight. At the beginning of the pandemic, 8 million dinars were donated for the purchase of medical ventilators. Also, an incubator was donated for the “Dragiša Mišović” maternity hospital for the care of new-borns suffering from coronavirus. At the same time, a hundred non-invasive masks were donated to the same hospital. In that fight, we also helped the Infectious Diseases Clinic and the GAK People’s Front. Our crowning achievement was receiving the award of the Serbian Philanthropic Forum. Before the pandemic, the traditional activity “Together for Babies” continued.

Uprkos svim izazovima tokom 2020. godine, poslovanje je bilo stabilno i klijenti su nastavili da poklanjaju puno poverenje našoj banci. Integracija dve banke je proces koji će biti u punom jeku i u narednoj godini će osnažiti naš tim, novim iskustvom i saradnjom sa NLB Grupom, a klijente novim i boljim proizvodima i uslugama.

Despite all the challenges during 2020, the business was stable, and clients continued to place full trust in our bank. The integration of the two banks is a process that will be in full swing next year, it will strengthen our team, new experience and cooperation with the NLB Group, and clients with new and better products and services.

KOMERCIJALNA BANKA A.D. Beograd Svetog Save 14, Beograd www.kombank.com

KOMERCIJALNA BANKA A.D. Belgrade Svetog Save 14, Belgrade www.kombank.com 62

Srpsko bankarstvo 2020

KOMERCIJALNA BANKA

Serbian Banking 2020

KOMERCIJALNA BANKA

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

459.428

3.907

74.087

630

40.035

340

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

459.428

3.907

74.087

630

40.035

340

Capital adequacy coefficient 32,50%

0,93%

5,59%

2.669 Centrala, 6 poslovnih centara, 3 sektora za rad sa malom i srednjom privredom,

32,50%

0,93%

5,59%

2.669 Head office, 6 business centers, 3 sectors for work with small and medium enterprises,

1 filijala

1 branch

203 ekspoziture

203 sub-branches

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

* The data for the position Total capital was taken from the Balance Sheet 64

mirabank

Srpsko bankarstvo 2020

Mirabank je domaća banka nastala kao direktna strana investicija sa 100% kapitala iz Ujedinjenih Arapskih Emirata. Od osnivanja fokus postavlja na rad sa domaćom privredom. Misija banke je da pruži maksimalnu podršku kompanijama iz Srbije, kao i investicijama iz UAE i da bude okosnica daljeg razvoja ekonomskih odnosa između dve zemlje. Krajem 2019. godine ovu misiju banka produbljuje iniciranjem osnivanja Poslovnog kluba Ujedinjenih Arapskih Emirata i Srbije. Zajedno sa drugim članicama Poslovnog kluba UAE i Srbije, kompanijama visoke reputacije, radi na osnaživanju ekonomije kroz razmenu informacija, iskustava i znanja. Mirabank tim posvećenih bankarskih profesionalaca brine o potrebama svojih klijenata i tako gradi svoju poslovnu reputaciju, trudeći se da bude pouzdan i profesionalan partner. Naša uspešnost se meri uspehom naših klijenata, ali i motivisanošću i napretkom naših zaposlenih. Posebno razvijamo svoje znanje u oblastima informaciono-komunikacionih tehnologija, poljoprivrede, prehrambene industrije i zdravstva. Iako suočeni sa pandemijom, Mirabank i u 2020. godini nastavlja sa unapređenjem finansijskog rezultata u odnosu na prethodne godine. Uz maksimalnu podršku akcionara i posvećenost zaposlenih, prilagođavajući proizvode klijentima, Mirabank se kontinuirano razvija, kako bi bila još veća podrška domaćoj privredi.

mirabank

Serbian Banking 2020

Mirabank is a domestic bank founded as a direct foreign investment with 100% capital from the United Arab Emirates. Since its establishment, its focus has been on supporting cooperation with the local economy. The mission of the bank is to support, in its maximum capacity, Serbian enterprises and UAE investments, and its aim is to be a pillar of further development of economic relations between the two countries. In the late 2019, this mission has been strengthened by initiating the establishment of the UAE and Serbia Business Club. Together with highly respected members of the UAE and Serbia Business Club, Mirabank has been working toward strengthening the economy through an exchange of information, experience, and knowledge. Mirabank’s team of dedicated professional bankers is taking care of clients’ needs, building the bank’s reputation, and positioning it to stand as reliable and professional partner. Our achievement is measured with the success of our clients, together with the motivation of our employees and their progress. We are specifically empowering our know-how in the following sectors: information and communication technology, agriculture, food industry and healthcare. Despite the onset of the pandemic, Mirabank in 2020 continued with improved financial results compared to previous years. With the shareholders’ maximum support and the dedication of employees, developing products and services according to their clients’ needs, Mirabank grows its capacity to be even greater support to the local economy.

MIRABANK A.D. Beograd Španskih boraca 1, Novi Beograd www.mirabankserbia.com

MIRABANK A.D. Belgrade Španskih boraca 1, Novi Beograd www.mirabankserbia.com 66

Srpsko bankarstvo 2020

mirabank

Serbian Banking 2020

mirabank

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

6.248

Total balance sheet assets

1.710

Total capital*

3.631

6.248

1.710

3.631

Share capital Capital adequacy coefficient

93%

-3%

-12%

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

Amount in million EUR

93%

-3%

-12%

Organizational network Centrala + ekspozitura 1

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

(Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

Head office +business center 1

* The data for the position Total capital was taken from the Balance Sheet 68

Mobi Banka

Srpsko bankarstvo 2020

Mobi Banka

Serbian Banking 2020

Mobi Banka, prva mobilna i online banka u regionu ujedno je i jedna od najbrže rastućih. U svojoj 7. godini poslovanja, do sada je u Mobi Banci je otvoreno gotovo 600 hiljada tekućih računa, realizovano preko 50 miliona transakcija i više od 70 hiljada potpuno online kreditnih proizvoda. Prateći dinamičan rast broja klijenata, Mobi Banka je u 2020. godini povećala broj zaposlenih i zabeležila porast aktive za 35 miliona eura u poređenju sa prethodnom godinom, uprkos pandemiji koja je usporila rast finansijskog sektora. Delom zahvaljujući činjenici da je od samog početka online banka, Mobi Banka je dočekala pandemiju jedinstveno spremna da se brzo prilagodi novim okolnostima i nastavi poslovanje bezbedno i bez ometanja.

Mobi Banka, the first mobile and online bank in the region, is also one of the fastest growing. In its 7th year of operation, Mobi Banka has so far opened almost 600 thousand accounts, facilitated over 50 million transactions, and more than 70 thousand completely online credit products. Following the dynamic growth of the number of clients, Mobi Banka increased the number of employees and recorded an increase in assets by 35 million euros in 2020 compared to the previous year, despite the pandemic that slowed down growth of the financial sector. Partly thanks to the fact that it has been an online bank from the very beginning, Mobi Banka was uniquely ready to quickly adapt to new circumstances and continue its business safely and without interference.

Mobi Banku u velikoj meri obeležava partnerstvo sa Telenorom koje se ostvaruje kroz programe finansiranja i prodaje mobilnih uređaja i prateće opreme, ali i otvaranje novih kanala kroz partnerstva sa maloprodajnim lancima. Mobi Banka je do sada kreditirala kupovinu više od pola miliona savremenih uređaja u iznosu većem od 160 miliona evra, što je neprocenjiv benefit za korisnike, ali i veliki impuls razvoju digitalizacije u zemlji. Mobi Banka i Telenor pored zajedničke vizije, dele vlasnika - PPF grupu, jednog od vodećih evropskih investitora u oblasti telekomunikacija i bankarstva, prisutnog na tri kontinenta i u 24 zemlje, sa sredstvima od skoro 44 milijardi evra.

Mobi Banka is largely marked by the partnership with Telenor, which is realized through programs for financing and selling mobile devices and related equipment, but also the opening of new channels through partnerships with retail chains. Mobi Banka has so far credited the purchase of more than half a million modern devices in the amount of more than 160 million euros, which is an invaluable benefit for customers, but also a great impetus to the development of digitalization in the country. In addition to a common vision, Mobi Banka and Telenor share an owner - PPF Group, one of the leading European investors in the field of telecommunications and banking, present on three continents and in 24 countries, with funds of almost 44 billion euros.

Jedan od stubova Mobi Banke je koncept „Humanog Bankarstva“, koji obuhvata ekološki i socijalno svesne prakse, ali i širi koncept bankarstva koje ljudima olakšava, a ne otežava život. Baveći se humanim bankarstvom, banke se aktivno zauzimaju za dobrobit zajednice u kojoj posluju i aktivno rade na njenom poboljšanju kroz poslovnu inovaciju, sa jasnim razumevanjem da se ne bave samo novcem, i da njihovi postupci imaju direktan efekat ne samo na njihove klijente, već na čitavo društvo. Od samog početka 2014. godine, cilj Mobi Banke, tada Telenor banke, bio je da potpuno promeni način na koji se obavljaju bankarski poslovi. Iako je promenila ime, banka je zadržala svoju misiju, ali i pionirsku ulogu na tržištu. Strateško opredeljenje Mobi Banke je da nastavi sa razvojem inovativnih digitalnih proizvoda, uz sinergiju telekomunikacionih i bankarskih rešenja, koji će biti dostupni korisnicima prvenstveno kroz mobilno i onlajn bankarstvo. U društvu najboljih, Banka i u ovoj godini nastavlja sa inovacijama i transformacijom bankarstva. Mobilno, neposredno i jednostavno bankarstvo, to je Mobi.

One of the pillars of Mobi Banka is the concept of “Humane Banking”, which includes environmentally and socially conscious practices, but also a broader concept of banking that makes people’s lives easier, not harder. Within the framework of humane banking, banks are actively committed to the wellbeing of the community in which they operate and actively work to improve it through business innovation, with a clear understanding that their work is more than just managing money, and that their actions have a direct effect not only on their clients but the entire society at large. From the very beginning of 2014, the goal of Mobi Banka, then Telenor Bank, was to completely change the way banking is done. Although it changed its name, the bank retained its mission, but also its pioneering role in the market. Mobi Banka’s strategic commitment is to continue the development of innovative digital products with a synergy of telecommunications and banking solutions, which will be available to customers primarily through mobile and online banking. In the company of the best, Mobi Banka continues to innovate and transform banking this year as well. Mobile, direct, and simple banking, that is Mobi.

Mobi Banka A.D. Beograd Omladinskih brigada 88, Novi Beograd www.mobibanka.rs

Mobi Banka A.D. Belgrade Omladinskih brigada 88, Novi Beograd www.mobibanka.rs 70

Srpsko bankarstvo 2020

Mobi Banka

Serbian Banking 2020

Mobi Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

24.048

205

4.135

10.281

Total balance sheet assets

24.048

205

4.135

10.281

Total capital* Share capital

Amount in million EUR

Capital adequacy coefficient 28,35%

-3%

-13%

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

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

28,35%

-3%

-13%

311 The Bank conducts its business through its headquarters in New Belgrade, Omladinskih brigada no. 88 and one branch office based at the same address

* The data for the position Total capital was taken from the Balance Sheet 72

mts Banka

Srpsko bankarstvo 2020

„mts Banka” a.d. Beograd (mts Banka) je moderna Banka koja od 2014. godine, kada je postala deo Telekom Srbija Grupe, koncipira svoj razvoj na poslovanju sa fizičkim licima, malim i srednjim preduzećima, uz kontinuirano jačanje odnosa sa klijentima u privredi. Proizvodi i usluge Banke sinonim su za poverenje i inovativne tehnologije. Koncept digitalnog bankarstva, na kojem se zasniva segment poslovanja sa stanovništvom, obuhvata širok spektar proizvoda i usluga koje klijentu omogućavaju jednostavnost u korišćenju, mobilnost i uštedu u vremenu i troškovima. Kreiranje proizvoda i usluga koje odgovaraju na potrebe klijenata, kao i da se klijentima stavi na raspolaganje mogućnost pristupa bankarskim servisima 24/7 putem mobilnog telefona ili računara, primarni su ciljevi poslovanja mts Banke.

mts Banka

Serbian Banking 2020

mts Bank JSC Belgrade (mts Bank) is a modern bank that has been part of the Telekom Srbija Group since 2014, conceptualizing its development in business with the retail sector, and small and medium enterprises, with continuous strengthening of relations with the corporate clients. The Bank’s products and services are synonymous with connectivity and innovative technologies. The concept of digital banking, on which the retail segment is based, encompasses a wide range of products and services that provide the client with simplicity of use, mobility, and time and cost savings. Creating products and services that respond to the client’s needs, as well as provide clients with access to banking services 24/7, via mobile phone or computer, are the primary business objectives of the mts Bank.

Očuvanje dobrih poslovnih odnosa sa postojećim klijentima u okviru segmenta privrede – efikasnost, prepoznavanje potreba i personalizacija ponude, bili su imperativ u saradnji i tokom 2020. godine. Kontinuirana saradnja sa kompanijama Dunav osiguranje i Telekom Srbija, generiše projekte, proizvode i usluge sa velikim potencijalom baze korisnika, konkurentnim uslovima, kao i kvalitetom i snagom servisiranja.

Maintaining good business relations with the corporate sector within the economy segment efficiency, identification of needs and personalization of the offer were imperative in our cooperation during 2020. Continuous cooperation with the companies Dunav Insurance Company and Telekom Srbija, generates projects, products, and services with great potential of the customer base, competitive conditions, as well as quality and power of servicing. mts Bank JSC Belgrade

mts Banka a.d. Beograd Bulevar Franše d’Eperea 88, Beograd www.online.mtsbanka.rs

mts Banka a.d. Belgrade Bulevar Franše d’Eperea 88, Beograd www.online.mtsbanka.rs 74

Srpsko bankarstvo 2020

mts Banka

Serbian Banking 2020

mts Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

14.387

122,3

2.331

19,8

2.362

20,09

Total balance sheet assets

14.387

122,3

2.331

19,8

2.362

20,09

Total capital* Share capital

Amount in million EUR

Capital adequacy coefficient 29,10%

-1,15%

-6,58%

206 Centrala 1 regionalni centar 4 filijale

29,10%

-1,15%

-6,58%

206 Central 1 regional center 4 branches

12 ekspozitura

12 branches

3 šaltera

3 counters

4 prodajne jedinice Telekoma Srbija

4 sales units of Telekom Srbija

NLB Banka

Srpsko bankarstvo 2020

NLB Banka

Serbian Banking 2020

Za nas u NLB Banci, 2020. godina je bila u znaku zaštite zdravlja svih naših zaposlenih i klijenata. Primenili smo sve mere zaštite, uključujući i obezbeđivanje preduslova za rad od kuće za sve zaposlene čiji posao to omogućava. Istovremeno, omogućili smo pristup svim proizvodima i uslugama svojim klijentima u svakom trenutku, pre svega sredstvima na njihovim računima. Efikasno smo odgovorili na sve regulatorne zahteve, realizovali smo zastoje u otplati kredita za sve klijente kojima je bio potreban. Uprkos izazovima, održali smo kvalitet usluge, ostvarili rast u svim poslovnim segmentima i to nam daje sve razloge da budemo zadovoljni.

For us at NLB Bank, the year 2020 was spent focusing on the protection of the health of all our employees and clients. We have implemented all protective measures, including fulfilling all preconditions for working from home for all employees whose work allows it. At the same time, we have provided full access to all products and services for our clients, at all times, primarily to the funds in their accounts. We efficiently responded to all regulatory requirements, and we realised delays in loan repayment for all clients who needed it. Despite the challenges, we have maintained the quality of service, and achieved growth in all business segments, which gives us every reason to be satisfied.

Svesni da naša ekonomija trpi zbog krize izazvane pandemijom, uključili smo se u sve programe Vlade Srbije, uključujući i program subvencija za poljoprivrednike, gde smo među najaktivnijim bankama na tržištu, kao i finansiranje u skladu sa Uredbom o garantnoj šemi. Pored toga, na svim tržištima gde NLB Grupa posluje, u okviru projekta #OkvirPodrške, obezbedili smo besplatni oglasni prostor za skoro 300 malih privrednika iz regiona, kako bi lakše došli do svojih kupaca i klijenata, a u Srbiji još jednom podržali organske proizvođače kroz NLB Organic konkurs.

Being aware that our economy is suffering from the crisis caused by the pandemic, we have joined all programmes of the Government of Serbia, including the programme of subsidies for farmers, where we are among the most active banks on the market, as well as financing in accordance with the Guarantee Scheme Regulation. In addition, in all markets where the NLB Group operates, within the project #OkvirPodrške, we have provided free advertising space for almost 300 small businesses from the region, to easily reach their customers and clients, and once again we supported organic producers in Serbia through the NLB Organic competition.

Godina je za nas završena verovatno najznačajnijim događajem u bankarskom sektoru – akvizicijom Komercijalne banke od strane naše matice, čime je započeo proces integracije naše dve banke. Verujemo da ćemo na kraju tog procesa, udruženi, biti u još boljoj poziciji kada je u pitanju podrška klijentima u realizaciji njihovih ličnih i poslovnih planova.

The year ended for us with probably the most important event in the banking sector - the acquisition of Komercijalna Banka by our parent company, which started the process of integration of our two banks. We believe that, at the end of this process, united, we will be in an even better position when it comes to supporting clients in the realisation of their personal and business plans.

NLB Banka A.D. Beograd Bulevar Mihajla Pupina 165v, Novi Beograd www.nlb.rs

NLB Banka A.D. Belgrade Bulevar Mihajla Pupina 165v, Novi Beograd www.nlb.rs 78

Srpsko bankarstvo 2020

NLB Banka

Serbian Banking 2020

NLB Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

80.775

687

8.783

6.237

Total balance sheet assets Total capital* Share capital

Amount in million EUR

80.775

687

8.783

6.237

Capital adequacy coefficient 19,07 %

0,41 %

3,56 %

509 Broj poslovnih jedinica i filijala 3 Broj ekspozitura i šaltera 28

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

19,07 %

0,41 %

3,56 %

509 Number of business units and branches 3 Number of branches and counters 28

* The data for the position Total capital was taken from the Balance Sheet 80

OPPORTUNITY Banka

Srpsko bankarstvo 2020

OPPORTUNITY Banka

Serbian Banking 2020

Opportunity banka je institucija sa misijom finansijske inkluzije koja obezbeđuje kredite i druge finansijske usluge ljudima kojima je pristup tim proizvodima otežan, kao što su mikro i mali preduzetnici, mali mešoviti poljoprivredni proizvođači i stanovnici ruralnih sredina. Socijalni učinak Banke je u skladu sa onim poslovnim. Čak 77% klijenata bilo je iz ruralnih krajeva, dok je udeo tzv. “underbanked” klijenata, odnosno klijenata koji u poslednje 4 godine (u skladu sa podacima Kreditnog biroa) prethodno dolasku u Opportunity banku nisu imali kredit, iznosio odličnih 44%, što jasno ukazuje na to da se držimo pravca koji smo zacrtali našom misijom i strategijom.

Opportunity Bank is an institution with a mission of financial inclusion that provides loans and other financial services to people who have difficulty accessing the said services, such as micro and small entrepreneurs, small mixed agricultural households, and residents of rural areas. The Bank’s social performance is in line with its business performance. As many as 77% of clients are from rural areas, while the share of so-called “underbanked” clients, i.e., clients who in the last 4 years (according to Credit Bureau data) had no loans prior to coming to Opportunity Bank, amounts to an excellent 44%, which indicates that we are remaining true to the direction set out in our mission and strategy.

U 2020. godini, Opportunity banka je nastavila sa rastom i uspešnim poslovanjem, balansirajući socijalne i finansijske ciljeve u otežanim uslovima izazvanim pandemijom COVID 19. Kreditni portfolio ostvario je rast od 6.5%. Banka je zadržala prvo mesto na tržištu po broju kreditiranih poljoprivrednih gazdinstava uz istovremeni snažan rast u segmentu preduzetnika. Depoziti klijenata takođe su ostvarili značajan rast i dostigli nivo od 12,3 milijardi RSD na kraju godine.

In 2020, Opportunity Bank continued to grow and successfully conduct its business operations, balancing social and financial goals in the difficult conditions caused by the COVID-19 pandemic. The loan portfolio grew by 6.5%, while the Bank maintained the first place in the market in terms of the number of credited agricultural households, with simultaneous strong growth in the entrepreneurial segment as well. Client deposits have also shown a strong growth trend, reaching RSD 12.3 billion at the end of the year.

Zbog dugogodišnjih odličnih socijalnih i poslovnih performansi Opportunity banka je uspela da uspostavi partnerstva sa bankama zasnovanim na vrednostima i orijentaciji ka doprinosu društvu u kojem posluju tako što je postala punopravni član Globalne alijanse banaka sa vrednostima (GABV) 2017. Prepoznavanje od strane šire međunarodne zajednice Banaka sa vrednostima omogućilo je i privlačenje novih akcionara koji su svi članovi Globalne alijanse banaka sa vrednostima (GABV). Novi akcionari su: UmweltBank i GLS banka iz Nemačke i Triodos Investment Management (kompanija za upravljanje investicionim fondovima koja je u vlasništvu Triodos banke) putem fondova kojima upravlja - Legal Owner Triodos Fund iz Holandije i Sicav II iz Luksemburga. Njima je prethodno jedini akcionar banke Opportunity transformation investments iz Čikaga, USA, ustupio većinski deo akcija, zadržavajući manjinski vlasnički udeo. Ovako značajna transakcija, ne samo za Opportunity banku, već i za čitavu GABV organizaciju, obezbediće nastavak misije Banke da služi klijentima koji nemaju lak pristup finansijskim uslugama i omogućiće diversifikaciju proizvoda ka zelenom finansiranju koristeći znanje i tehničku podršku novih partnera. Tokom narednog perioda, banka će nastaviti da unapređuje postojeće i preduzima mere usmerene ka pozitivnom uticaju na ekonomiju, društvo i životnu sredinu. Zahvaljujući profitabilnom poslovanju kao i izuzetnom zalaganju i profesionalnosti svojih zaposlenih, Banka je stvorila uslove za dalji napredak i razvoj. OPPORTUNITY Banka A.D. Novi Sad Bulevar Oslobođenja 2a, Novi Sad www.obs.rs

Due to many years of excellent social and business performance, Opportunity Bank has managed to establish partnerships with banks based on values and orientated towards contributing to the society in which they operate by becoming a full member of the Global Alliance of Value Banks (GABV) in 2017. Recognition by the wider international community enabled the Bank to attract new shareholders who are all members of the Global Alliance of Value Banks (GABV). New shareholders are: UmweltBank and GLS bank from Germany and Triodos Investment Management (fund manager owned by Triodos bank) through its impact funds - Legal Owner Triodos Fund from the Netherlands and Sicav II from Luxembourg. Previously sole shareholder of the Bank, Opportunity Transformation Investments from Chicago, USA, sold majority of their shares to new shareholders and stayed as a minority shareholder. Such a significant transaction, not only for Opportunity Bank but also for the entire GABV organization, will ensure the continuation of the Bank’s mission to serve clients with difficulty in accessing financial services and enable product diversification towards green financing using the knowledge and technical support of its new partners. In the future, the Bank will continue to improve existing and undertake direct measures towards a positive impact on the economy, society, and the environment. Owing to both profitable business operations as well as the exceptional commitment and professionalism of its employees, the Bank has created the conditions for further growth and improvement. OPPORTUNITY Banka A.D. Novi Sad Bulevar Oslobođenja 2a, Novi Sad www.obs.rs

Srpsko bankarstvo 2020

OPPORTUNITY Banka

Serbian Banking 2020

OPPORTUNITY Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

22.356

190

3.853

1.865

Total balance sheet assets

Amount in million EUR

22.356

190

3.853

1.865

Total capital* Share capital Capital adequacy coefficient

26,65%

1,38%

7,54%

458 Centrala 4 filijale 28 poslovnih jedinica

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

26,65%

1,38%

7,54%

458 Central 4 branches 28 business units

* The data for the position Total capital was taken from the Balance Sheet 84

otpbanka

Srpsko bankarstvo 2020

Nova OTP banka Srbija a.d. Novi Sad, nastala je kao rezultat integracije OTP banke Srbija (bivše Societe Generale Srbija) i Vojvođanske banke, a počela je sa radom 5. maja 2021. Ovo je ujedno bila najkompleksnija bankarska integracija ikad realizovana na ovim prostorima, i predstavlja strateški potez OTP Grupe sa ciljem da formira vodeću bankarsku instituciju u Srbiji. Nakon ostvarenog godišnjeg rasta kredita od 15 odsto u 2020. godini, kao i povećanog tržišnog udela u svim ostalim segmentima, OTP banka je prva u Srbiji po pitanju tržišnog učešća u segmentu kredita i druga najveća banka po veličini aktive sa ukupno 5,2 milijarde evra. Spajanje banaka omogućava klijentima nove pogodnosti sa fokusom na unapređenje digitalnog bankarstva uz brojne pogodnosti za korisnike naših kartica i korišćenje telefona kao kartice (uz mCard i ApplePay), P2P plaćanja i još mnogo toga. Takođe, klijentima je na raspolaganju 213 ekspozitura širom zemlje, 322 bankomata i mogućnost podizanja gotovine po istim uslovima na još 165 bankomata MoneyGet mreže. Banka ostaje veran dugogodišnji partner Olimpijskom komitetu Srbije i nastavlja da pruža podršku socijalnom preduzetništvu, a kroz peti Generator projekat ove godine će podržati one koji rešenja pronalaze u digitalizaciji i konstantnom inoviranju, kako bi podstakli brigu o ekologiji i očuvanju životne sredine. U okviru OTP Grupe posluje i OTP Leasing Srbija, lider na tržištu lizinga u našoj zemlji po produkciji, kao i OTP Osiguranje koje pruža usluge životnog osiguranja preko OTP banke.

otp banka Srbija A.D. Novi Sad Trg Slobode 5, Novi Sad www.otpbanka.rs

otpbanka

Serbian Banking 2020

The new OTP banka Srbija a.d. Novi Sad, created from the integration process between OTP banka Srbija a.d. Beograd (former Societe Generale Srbija) and Vojvođanska banka a.d. Novi Sad, has started operations on May 5th 2021. The most complex banking integration ever implemented in this region represents a strategic move of OTP Group, aiming to form the largest banking institution in Serbia. Upon generating the annual growth in loans of 15% in 2020, as well as increased market share in all other segments, the new integrated bank is the first in Serbia according to market share in the loan segment, and second largest bank in terms of asset size with a total of EUR 5.2 billion. The merger of the two banks provides clients with new benefits, with a focus on enhancing digital banking and offers numerous benefits for our card holders and using the phone as a card (with mCard and ApplePay), P2P payment and a lot more. Also, our clients have at their disposal 213 branches across the country, ATMs at 322 locations, and they have the opportunity to withdraw cash under the same conditions at an additional 165 ATMs of the MoneyGet network. The Bank will continue to be a loyal long-term partner to the Olympic Committee of Serbia and provide support to social entrepreneurship, while through 5th Generator project this year the Bank will support those who care about ecology and environmental protection. OTP Leasing Srbija, a leader in the leasing market of Serbia by production, also operates within OTP Group, as well as OTP Insurance, which through provides life insurance services.

otp banka Serbia A.D. Novi Sad Trg Slobode 5, Novi Sad www.otpbanka.rs 86

Srpsko bankarstvo 2020

otpbanka

Serbian Banking 2020

otpbanka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

614.930

5.230

82.705

703

57.896

492

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

614.930

5.230

82.705

703

57.896

492

Capital adequacy coefficient 20,24%

0,22%

1,58%

3.101 Centrala Ekspoziture 216

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

20,24%

0,22%

1,58%

3.101 Central Branches 216

* The data for the position Total capital was taken from the Balance Sheet 88

ProCredit Bank

Srpsko bankarstvo 2020

ProCredit banka je razvojno orijentisana komercijalna banka koja pruža kompletnu uslugu najvišeg kvaliteta, malim i srednjim preduzećima i stanovništvu koji planiraju da štede i okrenuti su elektronskim kanalima u radu sa bankom. Do danas, ProCredit banka je investirala preko 5 milijardi evra u Srbiji, od čega preko 85% čine plasmani malim i srednjim preduzećima, preduzetnicima i poljoprivrednicima. Istovremeno, kao podrška ekonomskom razvoju, banka poseban značaj pridaje odgovornom bankarstvu i razvijanju kulture štednje među svojim klijentima. Pored konstantnog unapređenja usluga, Banka poseban fokus stavlja na promociju elektronskog bankarstva, čime je postignuto da nivo transakcija koje se obavljaju digitalnim putem, bude 100%. Kroz online koncept usluge za fizička lica, Banka je klijentima omogućila da sa jednim paket računom imaju potpunu kontrolu nad finansijama, maksimalnu fleksibilnost štednje kao i dodatni komfor online bankarstva.

ProCredit Bank

Serbian Banking 2020

ProCredit Bank is a development-oriented commercial bank. We offer excellent customer service to small and medium enterprises and to private individuals who have the capacity to save and who prefer to do their banking through electronic channels. To date, ProCredit Bank has invested over EUR 5 billion in Serbia, over 85% of which are loans to SMEs, entrepreneurs, and agricultural producers. At the same time, we support economic development by demonstrating a responsible approach to banking and by promoting a savings culture among our clients. In addition to constantly improving our services, the Bank has placed special focus on promoting electronic banking, the result of which is that 100% of transactions are now performed digitally. Through our online concept of providing services to private individuals, the Bank offers its clients full control over their finances, maximum flexibility where their savings are concerned as well as the added comfort of online banking, all through a one-package account. ProCredit Bank was the first bank in Serbia to provide the most up-to-date services in its 24/7 Zones, where clients can do all their banking without having to go visit a bank counter.

Prva je na bankarskom tržištu u Srbiji omogućila korišćenje najmodernije usluge - Zona 24/7, gde se sve transakcije mogu obaviti bez odlaska na šalter. ProCredit banka je godinama posvećena zaštiti životne sredine i promociji investicija za unapređenje energetske efikasnosti. Zahvaljujući brojnim inovacijama, značajno je smanjena potrošnja električne i toplotne energije. Banka je postala prva domaća kompanija koja kupuje „zelenu“ električnu energiju sa garancijom porekla od EPS-a, dok polovinu voznog parka čine električni i hibridni automobili.

ProCredit Bank has been dedicated to environmental conservation for years and has promoted investments in improving energy efficiency. Thanks to numerous innovations, electricity and heating consumption has been significantly reduced. The Bank was the first domestic company to purchase ’green’ electricity with a guarantee of origin issued by EPS, while half its fleet consists of electric and hybrid vehicles.

ProCredit banka je član ProCredit Grupe, grupe finansijskih institucija. Jedini akcionar ProCredit banke u Srbiji je ProCredit Holding, sa sedištem u Frankfurtu.

ProCredit Bank is a member of the ProCredit Group, a group of financial institutions. The sole shareholder of the ProCredit Bank in Serbia is ProCredit Holding, seated in Frankfurt.

ProCredit Bank A.D. Beograd Milutina Milankovića 17, Novi Beograd www.procreditbank.rs

ProCredit Bank A.D. Belgrade Milutina Milankovića 17, Novi Beograd www.procreditbank.rs 90

Srpsko bankarstvo 2020

ProCredit Bank

Serbian Banking 2020

ProCredit Bank

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

148.549

1.263

17.329

147

6.440

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

148.549

1.263

17.329

147

6.440

Capital adequacy coefficient 16,85%

0,55%

4,31%

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

Zone 24/7 - 6

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

16,85%

0,55%

4,31%

391 Central - 1 Branches + 6 Zones 24/7 only machines- 10 Zones 24/7 - 6

* The data for the position Total capital was taken from the Balance Sheet 92

Raiffeisen Banka

Srpsko bankarstvo 2020

Raiffeisen Banka

Serbian Banking 2020

Raiffeisen banka je u 2020. godini ostvarila vrlo dobre poslovne rezultate, uprkos globalnoj zdravstvenoj krizi izazvanoj pandemijom.

Raiffeisen Banka realized very good business results in 2020, despite the global health crisis caused by the pandemic.

Nekoliko faktora je doprinelo ovakvim postignućima, a pre svih sposobnost brze adaptacije, zahvaljujući kojoj smo mogli da nastavimo ubrzano sa transformacijom i digitalizacijom poslovanja.

Several factors contributed to these achievements - above all, the ability to adapt quickly, thanks to which we were able to continue with the transformation and business digitalization rapidly.

Već tokom najrestriktivnijih epidemioloških mera omogućili smo klijentima da gotovo celokupnu uslugu dobiju onlajn – putem aplikacija za mobilno i elektronsko bankarstvo, od elektronske asistentkinje Ree, kao i na višenamenskim uređajima u 24-časovnim sigurnim zonama. Građanima su omogućeni i jedinstveni proizvodi na tržištu – iKeš, 100% onlajn keš kredit, te potrošački onlajn WEB kredit, koji su bili upravo ono što je klijentima bilo potrebno u periodu zdravstvenog rizika. Privrednicima smo ponudili potpunu novinu na tržištu - onlajn platformu za faktoring.

Already during the most restrictive epidemiological measures, we were able to provide our clients with full online service – through applications for mobile and electronic banking, the electronic assistant Rea, as well as on multifunctional devices in 24-hour safe areas. Citizens were also offered unique products in this market – iKeš, the fully online cash loan, as well as the consumer online WEB loan, both of which were exactly what our clients needed during this period of health risk. We offered to corporates a complete novelty in the market – the online factoring platform.

Solidarnost i humanost bili su potrebni više nego ikad, a banka je među prvim kompanijama u Srbiji reagovala i donirala novac za nabavku respiratora za bolnice. Podrška zdravstvenom sistemu nastavljena je kontinuirano tokom cele godine, kao i ulaganja u partnerstva u kulturi, umetnosti i sportu. Banka je zato dobila filantropsku VIRTUS nagradu za „Dugoročno partnerstvo sa neprofitnim sektorom“ od strane Trag fondacije. Finansijski magazin EMEA Finance banku je nagradio priznanjima „Najbolja banka u Srbiji“ i „Najbolja banka u segmentu privatnog bankarstva“, dok je „iKeš kredit“ dobio prestižno međunarodno „Finovate“ priznanje kao „Najbolja platforma za kreditiranje stanovništva”.

Solidarity and charitable aid were needed more than ever, and the bank was among the first companies in Serbia to react and donate money for the purchase of hospital ventilators. Support to the medical system continued during the whole year, as did investing into arts, culture, and sports. For this, the bank received the VIRTUS philanthropy award for its “Long-Term Partnership with the Non-Profit Sector”, presented by the Trag Foundation. The financial magazine EMEA Finance awarded the bank with the titles “Best Bank in Serbia” and “Best Bank in the Private Banking Segment”, while “iKeš Loan” won the prestigious international “Finovate” award as the “Best Consumer Loan Lending Platform”. Raiffeisen Bank A.D. Belgrade Đorđa Stanojevića 16, Novi Beograd, www.raiffeisenbank.rs

Raiffeisen Bank A.D. Beograd Đorđa Stanojevića 16, Novi Beograd, www.raiffeisenbank.rs 94

Srpsko bankarstvo 2020

Raiffeisen Banka

Serbian Banking 2020

Raiffeisen Banka

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

377.709

3.212

63.564

540.59

27.466

234

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

377.709

3.212

63.564

540.59

27.466

234

Capital adequacy coefficient 20,51%

1,77%

10,17%

1496 4 regionalne filijale 7 lokalnih filijala 43 filijale

20,51%

1,77%

10,17%

1496 4 regional branches 7 local branches 43 branches

26 ekspozitura

26 branches

4 šaltera

4 counters

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

* The data for the position Total capital was taken from the Balance Sheet 96

SBERBANK

Srpsko bankarstvo 2020

SBERBANK

Serbian Banking 2020

Sberbank Srbija je deo Sberbank Europe grupe i prisutna je na celoj teritoriji Srbije, sa ukupno 32 ekspoziture u 21 gradu.

Sberbank Serbia is a member of the Sberbank Europe Group with a total of 32 branches in 21 cities throughout Serbia.

Sberbank Srbija je univerzalna banka koja pruža sve vrste usluga i proizvoda kako za fizička lica, tako i za mala, srednja i velika preduzeća. U kombinaciji sa stručnošću i usmerenošću zaposlenih na klijente, Sberbank Srbija je pouzdan partner u građenju mostova između kompanija u Srbiji, Rusiji i Zajednici nezavisnih država sa sveobuhvatnim portfolijom bankarskih usluga.

Sberbank Serbia is a universal bank that provides all types of services and products for individuals, as well as for small, medium and large companies. Together with the expertise and focus of employees on clients, Sberbank Serbia is a reliable partner in building bridges between companies in Serbia, Russia, and the Commonwealth of Independent States with a comprehensive portfolio of banking services.

U skladu sa svojom poslovnom strategijom, Banka se konstantno trudi da privrednicima sa kojima sarađuje ponudi visok kvalitet usluge, po najpovoljnijim uslovima i u optimalnim vremenskim rokovima. Sberbank Srbija svim preduzećima nudi različite opcije za kratkoročno i dugoročno finansiranje, dokumentarno poslovanje, depozite, uključujući raznovrsne mogućnosti za zaštitu od valutnih rizika, kao i napredna bankarska rešenja u oblasti elektronskog bankarstva. Znajući da je poverenje u temelju bankarskog sektora, Sberbank svoje proizvode i usluge zasniva na potrebama svojih klijenata, pažljivo osluškujući njihova očekivanja i trudeći se da im ponudi najpovoljnije i najadekvatnije bankarske proizvode i usluge. Sberbank Srbija je okrenuta ka stalnom razvoju i digitalizaciji bankarskih usluga. Jedna je od prvih banaka koja je svojim klijentima omogućila uzimanje kredita elektronskim putem, bez obaveze dolaska u ekspozituru. Banka svakodnevno prati potrebe svojih klijenata i stalno uvodi nove funkcionalnosti u svoje mobilne i elektronske servise. Sberbank Srbija je inovativna banka od poverenja, sa kojom klijenti vole da sarađuju, a na koju su zaposleni ponosni.

In accordance with its business strategy, the Bank constantly strives to offer high quality services to the business people with whom it cooperates, under the most favorable conditions and in optimal time limits. The bank is a stable support to clients who have recognized it as a key economic partner. Sberbank Srbija offers to all companies different options for short-term and longterm financing, documentary business, deposits, including various options for hedging against currency risks, as well as advanced banking solutions in the field of electronic banking. Knowing that trust is the foundation of the banking sector, the Bank bases its products and services on the needs of its customers, listening carefully to their expectations and making an effort to offer them the most favorable and adequate banking products and services. Sberbank Srbija is focused on the constant development and digitalization of banking services. It is one of the first banks to allow its customers to take loans electronically, without the obligation to come to the branch. Each day the Bank monitors the needs of its customers and constantly introduces new functionalities into its own mobile and electronic services.

SBERBANK SRBIJA A.D. Beograd Bulevar Mihajla Pupina 165g, Novi Beograd www.sberbank.rs

SBERBANK SERBIA A.D. Belgrade Bulevar Mihajla Pupina 165g, Novi Beograd www.sberbank.rs 98

Srpsko bankarstvo 2020

SBERBANK

Serbian Banking 2020

SBERBANK

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

158.449

1.348

25.590

218

14.821

126

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

158.449

1.348

25.590

218

14.821

126

Capital adequacy coefficient 25,12%

0,2%

1,4%

722 Centrala 1 Ekspoziture 32 Sberbank ekspres poslovne jedinice 4

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

25,12%

0,2%

1,4%

722 Central 1 Branches 32 Sberbank Express Business Unit 4

* The data for the position Total capital was taken from the Balance Sheet 100

101

SRPSKA BANKA A.D.

Srpsko bankarstvo 2020

Srpska banka a.d. Beograd je domaća banaka sa većinskim vlasništvom Republike Srbije, koja ima kontinuitet i dugogodišnje iskustvo u bankarskom poslovanju. Osnovana kao Vojni servis u sastavu Narodne banke Jugoslavije, kratko vreme poslovala je pod nazivom YU garant banka a.d. Beograd, a od septembra 2003. godine posluje pod imenom Srpska banka a.d. Beograd. Od osnivanja, Srpska banka a.d. Beograd je u većinskom državnom vlasništvu i svoje poslovanje zasniva na visokim profesionalnim standardima i efikasnosti u pružanju svih vrsta bankarskih usluga. Ostvarena dobit u 2020. godini, u iznosu od 20,923 milijardi dinara pokazuje da je Srpska banka a.d. Beograd uspela da odgovori na sve izazove, kako regulatornih tela, tako i poslovnog okruženja, i da prilagodi poslovanje svojim klijentima u toku pandemije virusa COVID-19, pre svega, klijentima iz sistema Odbrambene industrije Srbije, kao i drugim privrednim subjektima sa kojima Banka tradicionalno posluje. Poslujući u zahtevnom tržišnom okruženju, u uslovima jake konkurencije, Banka je uspela da na zahteve klijenata odgovori brzo i efikasno, kroz stalno prilagođavanje proizvoda i usluga njihovim potrebama. Očekivanja su da će Banka u 2021. godini ostvariti bolje poslovne rezultate, kroz praćenje poslovanja, kako postojećih klijenata, pre svega klijenata iz grupacije Odbrambene industrije Srbije, tako i kroz privlačenje novih klijenata, obzirom da više ne postoje ograničenja za uspostavljanje poslovnih odnosa sa klijentima u delu poslova koji se odnose na prikupljanje depozita, otvaranje i vođenje platnih i drugih računa, poslove platnog prometa, dokumentarne poslove, odnosno poslove kojima se uvećava depozitni potencijal Banke. Banka odobrava kredite prvenstveno klijentima iz grupacije namenske industrije Srbije, kao i drugim privrednim društvima koja samostalno, ili kao kooperanti, učestvuju u realizaciji specifičnih proizvodnih, razvojnih i spoljnotrgovinskih poslova, kao i privrednim društvima iz javnog sektora. Zbog vlasničke strukture i specifičnosti poslova njenih tradicionalnih klijenata, Banka ima čvrstu, dugoročnu poslovnu saradnju sa svojim klijentima i razvijenu mrežu korespondentskih odnosa sa velikim brojem banaka širom sveta. Poslovnu saradnju sa fizičkim licima Srpska banka a.d. obavlja preko Ekspoziture Beograd, koja je smeštena u sedištu Banke u ulici Savska broj 25. Prioriteti Srpske banke a.d. Beograd i u narednom periodu ostaju nepromenjeni, uz dalje jačanje kapitalne osnove i očuvanje dugoročne, čvrste i obostrano korisne poslovne saradnje Banke i njenih klijenata. SRPSKA BANKA A.D. Beograd Savska 25, Beograd banka@srpskabanka.rs www.srpskabanka.rs

SRPSKA BANKA A.D.

Serbian Banking 2020

Srpska banka a.d. Beograd is domestic banks with majority ownership of the Republic of Serbia, which has continuity and many years of experience in banking. Established as a Military Service within the National bank of Yugoslavia, for a short time it operated under the name of YU Garant banka ad Beograd, whereas since September 2003 it has been operating under the name of Srpska banka a.d. Beograd. Since the establishment, Srpska banka a.d. Beograd is majority state-owned, and its operation is based on high professional standards and efficiency in providing all kinds of banking services. The realized profit amounting to 20.923 billion dinars in 2020 is an indication that the Bank succeeded in responding to the challenges both by regulatory bodies and the business environment, and to adjust the business to its clients during the COVID-19 virus pandemic, primarily to clients from the system of the Defense Industry of Serbia, as well as to other clients with which the Bank traditionally does business. In a demanding market environment, in conditions of strong competition, the Bank has managed to respond quickly and efficiently to customer requirements, constantly adjusting its products and services to their needs. Expectations are that the Bank will achieve better business results in 2021, through monitoring the business, both of existing clients, primarily clients from the group of the Defense Industry of Serbia, and through the acquisition of new clients, since there are not any restrictions on establishing business relations with clients in the part of jobs related to collection of deposits, opening and maintaining payment and other accounts, payment operations, documentary operations, apropos operations that increase the Bank’s deposit potential. The Bank approves loans primarily to customers related to the Defense Industry of Serbia, as well as other companies that are independently, or as co-operators, involved in the specific production, development and foreign trade transactions, as well as with the companies in the public sector. Due to the ownership structure and specific operations of its traditional customers, the Bank has developed a strong, long-term business relationship with its customers and the network of correspondent relations with a number of banks around the world. Business cooperation with the retail clients is performed through the Belgrade branch, which is located at the Banks’s headquarters at 25 Savska Street. The priorities of Srpska banka a.d. Beograd in the forthcoming period remain unchanged, including the further strengthening of the capital base and preservation of long-term, solid, and mutually beneficial business cooperation between the Bank and its clients. SRPSKA BANKA A.D. Beograd Savska 25, Beograd banka@srpskabanka.rs www.srpskabanka.rs

102

103

Srpsko bankarstvo 2020

SRPSKA BANKA A.D.

Serbian Banking 2020

SRPSKA BANKA A.D.

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva Ukupni kapital* Akcijski kapital

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

19.679

167

3.587

30,5

2.847

24,2

Total balance sheet assets Total capital* Share capital

Amount in million EUR

19.679

167

3.587

30,5

2.847

24,2

Capital adequacy coefficient 40,99%

0,17%

0,85%

72 Centrala 1 Ekspozitura 1

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

40,99%

0,17%

0,85%

Organizational network

Central 1

(Head office + other organizational parts – business units, branches, branch offices. State the organizational parts and the exact number)

Branch 1

* The data for the position Total capital was taken from the Balance Sheet 104

105

UniCredit Bank

Srpsko bankarstvo 2020

UniCredit Bank

Serbian Banking 2020

UniCredit Banka je jedna od vodećih banaka u Srbiji i članica UniCredit Grupe. UniCredit je jednostavna i uspešna panevropska poslovna banka sa potpuno integrisanim korporativnim i investicionim bankarstvom koja svojoj rasprostranjenoj bazi klijenata pruža jedinstvenu mrežu u zapadnoj, srednjoj i istočnoj Evropi. Na temelju naše pozicije u Srbiji, obezbeđujemo savremene proizvode i usluge - 24/7, onlajn, na mobilnim platformama i putem mreže naših ekspozitura. Način na koji se ova rešenja razvijaju i nude klijentima jednako je važan kao i sama rešenja. Stoga, sve što radimo temelji se na dve ključne vrednosti - etici i poštovanju. Fokusirajući se na to da budemo banka za sve što je klijentima važno, obezbeđujemo lokalnu i međunarodnu stručnost. Istovremeno osiguravamo pristup vodećim proizvodima i uslugama na različitim tržištima putem svoje evropske bankarske mreže. UniCredit Banka od 2001. godine, od kada je prisutna na ovom tržištu kao univerzalna banka, gradi svoj identitet na način koji će svim interesnim stranama doneti višestruke prednosti. Za UniCredit Banku, tokom 2020. godine prioritet je bio da sačuva zdravlje zaposlenih i klijenata, ali i da osigura opremljenost zdravstvenog sistema kako bi on mogao da se nosi sa borbom protiv virusa Covid-19. Banka je sa ukupno 80.000 evra podržala Republički fond za zdravstveno osiguranje. Pored toga, banka se pridružila inicijativi UNICEF-a za nabavku kiseoničkih protokometara.

UniCredit Bank is one of the leading banks in Serbia and a member of UniCredit. UniCredit is a simple, successful Pan European commercial bank, with a fully plugged in Corporate & Investment Banking, delivering a unique Western, Central and Eastern European network to our extensive and growing client franchise. Based on our position as a leading bank in Serbia, we offer product and services that meet modern standards – 24/7, online, on a mobile basis and via our branches. The way in which these solutions are developed and provided is as important as the solutions themselves, which is why everything we do is based on our two core values: ethics and respect. By focusing on banking that matters, we offer local and international expertise, providing unparalleled access to market leading products and services in different markets through our European banking network. From 2001, since UniCredit Bank has been present on this market, it has been building its identity as universal bank, in a way, which will bring multiple values added to all stakeholders. For UniCredit Bank, during 2020, the top priority was to preserve the health and safety of employees and clients, but also to ensure that the health system is equipped so that it can fight endure during Covid-19 pandemic. The Bank supported the National Health Insurance Fund with EUR 80,000. Furthermore, the Bank joined the UNICEF initiative to procure oxygen flow meters, also in support of our health facilities.

UniCredit Bank Srbija A.D. Beograd Jurija Gagarina 12, Belgrade Business Center, Novi Beograd www.unicreditbank.rs

UniCredit Bank Serbia A.D. Belgrade Jurija Gagarina 12, Belgrade Business Center, Novi Beograd www.unicreditbank.rs 106

107

Srpsko bankarstvo 2020

UniCredit Bank

Serbian Banking 2020

UniCredit Bank

PODACI ZA 2020. GODINU Iznos u milionima dinara Ukupna bilansna aktiva

DATA FOR 2020

Iznos u milionima EUR

Amount in million RSD

486.496

4.138

82.951

705

24.170

206

Ukupni kapital* Akcijski kapital Koeficijent adekvatnosti kapitala (Kapital / Kreditnim rizikom ponderisana aktiva uvećana kapitalnim zahtevima za tržišne i operativne rizike) Prinos na aktivu (Dobitak pre oporezivanja / Prosečna aktiva) Prinos na kapital (Dobitak pre oporezivanja / Prosečan ukupni kapital) Broj zaposlenih Organizaciona mreža

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

Total balance sheet assets Total capital* Share capital

Amount in million EUR

486.496

4.138

82.951

705

24.170

206

Capital adequacy coefficient 24,06%

1,21%

6,67%

1319 Centrala 1 Ekspoziture 72 Šalteri 2

* Podatke za poziciju Ukupni kapital uzeti iz Bilansa stanja

24,06%

1,21%

6,67%

1319 Central 1 Branches 72 Counters 2

* The data for the position Total capital was taken from the Balance Sheet 108

109

BEOGRADSKA BERZA

Srpsko bankarstvo 2020

Belgrade Stock Exchange

Serbian Banking 2020

Na Beogradskoj berzi 2020. godina je počela s optimizmom i ponekom vešću o novoj vrsti korona virusa koji se pojavio u dalekoj centralnoj Kini. Niko nije mogao ni pretpostaviti neverovatne razmere koje će pandemija poprimiti, i razarajuće posledice koje će imati na zdravstvenu situaciju svetske populacije, globalnu ekonomiju i tržišta kapitala. Širenje pandemije, zatvaranje ekonomija, ograničavanje kretanja, paketi pomoći privredi i stanovništvu, samo su neki od događaja koji su obeležili prethodnu godinu i uticali na izraženu volatilnost i povećanu neizvesnost, sa negativnih reperkusijama na dešavanja na tržištima kapitala.

Beginning of 2020 was marked by optimism and only a couple of news about the new type of coronavirus in distant mainland China. No one could have imagined the incredible scale and devastating consequences it would have on the world health, global economy and capital markets. The pace of coronavirus outbreak and its spreading, the shutdowns of countries and economies, travel restrictions, aid packages for individuals and businesses, are just some of the events that marked the previous year, affected volatility, and increased uncertainty, with a negative impact on capital markets, as well.

Na Beogradskoj berzi je tokom 2020. godine ostvaren promet od 48,75 milijardi RSD, što predstavlja pad vrednosti prometa od čak 47% u odnosu na 2019. godinu. Ipak, pad prometa se ne može u potpunosti pripisati negativnim posledicama pandemije, već i čenjenici da je promet ostvaren u 2019. godini bio na najvišem nivou još od 2008. godine i to pre svega zahvaljujući blok trgovanju akcijama Komercijalne banke.

During 2020 BELEX’s total turnover amounted to RSD 48.75 billion, a decrease of 47% compared to 2019. However, this decline cannot be completely attributed to the negative consequences of the pandemic, but also to the fact that the turnover in 2019 was at the highest level since 2008, primarily thanks to block trading in shares of Komercijalna banka.

Promet akcijama dostigao je vrednost od tek 5 mlrd RSD. Učešće akcija u strukturi ukupnog prometa iznosilo je samo 10,3%, što potvrđuje problem nedostatka kvalitetnog investicionog materijala. Tržišna kapitalizacija Berze iznosila je 4,45 mlrd EUR, pad od 8,1% u odnosu na 2019. godinu. Uprkos pandemiji, prethodnu godinu su skoro svi indeksi vodećih svetskih berzi završili u pozitivnoj zoni. Zahvaljujući konsolidaciji i efektima stimulus paketa, došlo je do stabilizacije poverenja i oporavka tržišta. Indeksi regionalnih berzi nisu uspeli da nadoknade ove gubitke, te su kraj godine ipak dočekali u zoni negativnih stopa rasta.

Share turnover reached the value of only 5 billion RSD. Shares participated in the total turnover only 10.3%, confirming the problem of missing attractive investment products. Market capitalization stood at EUR 4.45 billion, posting a decrease of 8.1% compared to 2019. Despite the pandemic, almost all indices of the world’s leading stock exchanges ended the year in the black. Thanks to the consolidation and massive fiscal stimulus packages, confidence was restored and markets conditions stabilized. However, the indices of the regional stock exchanges did not manage to compensate for these losses, so they still ended the year in the red.

BELEX15 i BELEXline godinu su završili u crvenoj zoni. BELEX15 godinu završava na nivou od 748,61 indeksnih poena, što je za 6,62% niža vrednost u odnosu na kraj 2019. godine. Opšti indeks BELEXline godinu je završio na nivou od 1.566,03 poena, pad od 9,31% u odnosu na 2019. godinu.

At year-end BELEX15 stood at the level of 748.61 index points, which is 6.62% lower compared to the end of 2019. The general index BELEXline ended the year at the level of 1,566.03 points, a decrease of 9.31% compared to 2019.

BEOGRADSKA BERZA Omladinskih brigada 1, Novi Beograd www.belex.rs

BEOGRADSKA BERZA Omladinskih brigada 1, Novi Beograd www.belex.rs 110

111

Komisija za hartije od vrednosti

Srpsko bankarstvo 2020

Securities Commission

Serbian Banking 2020

Januara 2020. godine na snagu je stupio Zakon o reviziji, od kada se i primenjuje. Ovim Zakonom Komisiji za hartije od vrednosti dodeljene su nove nadležnosti. Definisano je da javni nadzor nad obavljanjem revizije i kontrola kvaliteta rada društava za reviziju, samostalnih revizora i licenciranih ovlašćenih revizora iz nadležnosti Komore ovlašćenih revizora prelazi u nadležnost Komisije, čime se pojačava nezavisnost kontrole. Radi sprovođenja navedenog zakona Komisija je u toku 2020. godine donela set podzakonskih akata (Smernice o kriterijumima izbora društava za reviziju, samostalnih revizora i licenciranih ovlašćenih revizora za provere kvaliteta obavljenih revizija, Metodologija za proveru kvaliteta obavljenih revizija, proveru kvaliteta rada društava za reviziju, samostalnih revizora i licenciranih ovlašćenih revizora, Pravilnik o obavljanju poslova kontrole kvaliteta rada obavljenih revizija, kontrole kvaliteta rada društava za reviziju, samostalnih revizora i licenciranih ovlašćenih revizora). Donošenjem novog Zakona o reviziji postignuta je potpuna usklađenost sa zahtevima novih propisa Evropske unije kojima se uređuje ova oblast i otklonjeni su uočeni nedostaci u primeni ranijih zakonskih rešenja.

In January 2020, when the new Law on Audits entered into force and became applicable, the Serbian Securities Commission was granted new competences. The Law defined that public oversight powers over the performance of audits and practice quality reviews of audit firms, sole audit practitioners and licensed authorized auditors will be transferred from the Chamber of Authorized Auditors to the Securities Commission, increasing independence of oversight. To implement the Law, the Securities Commission adopted a set of bylaws (Guidelines on the Selection Criteria for Audit Firms, Independent Auditors and Licensed Authorized Auditors for the Quality Control Reviews of Conducted Audits, Methodology for Performing Quality Assurance Reviews of Conducted Audits and Quality Assurance Reviews of Operations of Audit Firms, Independent Auditors and Licensed Authorized Auditors, Rulebook on Quality Reviews of Audit Engagements and Practice Quality Reviews of Audit Firms, Sole Practitioners, and Licensed Authorized Auditors). The Law on Audits attains full compliance with the new EU legislation requirements governing this area and eliminating the observed flaws in application of the previous legislative setup.

Pored toga, u 2020. godini je usvojen Zakon o digitalnoj imovini (primenjuje od 30. juna 2021. god.), kojim se uređuje izdavanje digitalne imovine i sekundarno trgovanje digitalnom imovinom u Republici Srbiji, pružanje usluga povezanih s digitalnom imovinom, založno i fiducijarno pravo na digitalnoj imovini, nadležnost Komisije za hartije od vrednosti i Narodne banke Srbije, kao i nadzor nad primenom ovog zakona. Zakon prepoznaje dva oblika digitalne imovine, virtuelne valute i digitalne tokene. Virtuelne valute odlikuje to da nemaju pravni status novca ili valute, ali da ih fizička ili pravna lica prihvataju kao sredstvo razmene. Komisija je nadležna kada su u pitanju digitalni tokeni, i u pogledu tog oblika digitalne imovine će davati dozvole pružaocima usluga povezanih s digitalnom imovinom, sprovoditi nadzor, davati mišljenja o primeni propisa, i dr.

In addition, in 2020, the Law on Digital Assets was adopted (applied as of 30 June 2021) governing the issuance and secondary trading in digital assets in the Republic of Serbia, provision of digital asset services, pledge and fiduciary right on digital assets, the competences of the Securities Commission and the National Bank of Serbia, and supervision over the application of the Law. The Law acknowledges two forms of digital assets, virtual currencies and digital tokens. Virtual currencies have no legal status of money or currency but are accepted by natural or legal persons as means of exchange. The Securities Commission is the competent authority when it comes to digital tokens. It will issue authorizations for the provision of digital asset services, it will carry out supervision, issue opinions on the application of the legislation etc.

Omladinskih brigada 1/7, Novi Beograd www.sec.gov.rs

Omladinskih brigada 1/7, Novi Beograd www.sec.gov.rs 112

113

Srpsko bankarstvo 2020

Serbian Banking 2020

BILANS STANJA SA STANJEM NA DAN 31.12.2020. POZICIJA

U hiljadama dinara

BALANCE SHEET AS OF 31.12.2020

U hiljadama evra*

ITEM ASSETS

In RSD thousand In EUR thousand*

AKTIVA

A.I

Gotovina i sredstva kod centralne banke

775.814.589

6.598.174

A.I

Cash and funds at the central bank

775,814,589

6,598,174

A.II

Založena finansijska sredstva

26.789.269

227.838

A.II

Pledged financial assets

26,789,269

227,838

A.III

Potraživanja po osnovu derivata

2.274.965

19.348

A.III

Receivables in respect of derivatives

2,274,965

19,348

A.IV

Hartije od vrednosti

754.084.360

6.413.362

A.IV

Securities

754,084,360

6,413,362

A.V

Krediti i potraživanja od banaka i drugih finansijskih organizacija

249.355.339

2.120.726

A.V

Loans and receivables from banks and other financial organisations

249,355,339

2,120,726

A.VI

Krediti i potraživanja od komitenata

2.629.514.909

22.363.586

A.VI

Loans and receivables from the clients

2,629,514,909

22,363,586

A.VII

Promene fer vrednosti stavki koje su predmet zaštite od rizika

8.970.272

76.291

A.VII

Changes in fair value of items subject to risk protection

8,970,272

76,291

A.VIII

Potraživanja po osnovu derivata namenjenih zaštiti od rizika

14.704

125

A.VIII

Receivables in respect of derivatives aimed at risk protection

14,704

125

A.IX

Investicije u pridružena društva i zajedničke poduhvate

328.581

2.795

A.IX

Investments in affiliated companies and joint ventures

328,581

2,795

A.X

Investicije u zavisna društva

19.059.852

162.101

A.X

Investments in dependent companies

19,059,852

162,101

A.XI

Nematerijalna imovina

18.555.475

157.811

A.XI

Intangible assets

18,555,475

157,811

A.XII

Nekretnine, postrojenja i oprema

70.968.311

603.574

A.XII

Property, premises and equipment

70,968,311

603,574

A.XIII

Investicione nekretnine

12.375.095

105.248

A.XIII

Investment property

12,375,095

105,248

A.XIV

Tekuća poreska sredstva

2.472.867

21.031

A.XIV

Current tax assets

2,472,867

21,031

A.XV

Odložena poreska sredstva

2.389.124

20.319

A.XV

Deferred tax assets

2,389,124

20,319

A.XVI

Stalna sredstva namenjena prodaji i sredstva poslovanja koje se obustavlja

857.303

7.291

A.XVI

Fixed assets for sale and assets from discontinued operations

857,303

7,291

A.XVII

Ostala sredstva

27.338.671

232.511

A.XVII

Other assets

27,338,671

232,511

4.601.163.686

39.132.130

4,601,163,686

39,132,130

A.XX

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

A.XX

LIABILITIES AND EQUITY

LIABILITIES

PASIVA

OBAVEZE

PO.I

Obaveze po osnovu derivata

PO.II

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

2.617.817

22.264

PO.I

Liabilities in respect of derivatives

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

589.936.498

5.017.312

PO.II

PO.III

Depoziti i ostale finansijske obaveze prema drugim komitentima

3.171.884.568

26.976.349

PO.IV

Obaveze po osnovu derivata namenjenih zaštiti od rizika

620.421

PO.V

Promene fer vrednosti stavki koje su predmet zaštite od rizika

PO.VI

Obaveze po osnovu hartija od vrednosti

2,617,817

22,264

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

589,936,498

5,017,312

PO.III

Deposits and other financial liabilities towards other clients

3,171,884,568

26,976,349

5.277

PO.IV

Liabilities in respect of derivatives aimed at risk protection

620,421

5,277

PO.V

Changes in fair value of items subject to risk protection

3.509.426

29.847

PO.VI

Liabilities in respect of securities

3,509,426

29,847

114

115

Srpsko bankarstvo 2020

PO.VII

Subordinirane obaveze

PO.VIII

Rezervisanja

PO.IX

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

PO.X

Tekuće poreske obaveze

PO.XI

Odložene poreske obaveze

PO.XII

Ostale obaveze

PO.XIII

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

KAPITAL

PK.XIV

Akcijski kapital

PK.XV

Sopstvene akcije

PK.XVI

Serbian Banking 2020

25.969.884

220.870

PO.VII

Subordinated liabilities

17.331.023

147.397

PO.VIII

Provisions

PO.IX

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

195.326

1.661

PO.X

Current tax liabilities

1.667.603

14.183

PO.XI

Deferred tax liabilities

70.374.686

598.525

PO.XII

Other liabilities

3.884.107.252

33.033.685

PO.XIII

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

CAPITAL

390.356.029

3.319.913

PK.XIV

Shareholders’ equity

PK.XV

Own shares

Dobitak

102.509.371

871.825

PK.XVI

PK.XVII

Gubitak

21.735.579

184.857

PK.XVIII

Rezerve

245.926.613

2.091.565

PK.XIX

Nerealizovani gubici

PK.XX

UKUPNO KAPITAL (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa stanja: 0414 0415 + 0416 - 0417 + 0418 - 0419) ≥ 0

717.056.434

6.098.445

PO.XXI

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

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

4.601.163.686

PO.XXII

220,870

17,331,023

147,397

195,326

1,661

1,667,603

14,183

70,374,686

598,525

3,884,107,252

33,033,685

390,356,029

3,319,913

Profit

102,509,371

871,825

PK.XVII

Loss

21,735,579

184,857

PK.XVIII

Provisions

245,926,613

2,091,565

PK.XIX

Unrealised losses

PK.XX

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

717,056,434

6,098,445

PO.XXI

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

PO.XXII

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

4,601,163,686

39,132,130

39.132.130

* Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2020. godine - 1 EUR = 117,5802 RSD

25,969,884

* Official middle rate of exchange of the dinar against the EUR, as of 31.12.2020, was applied - EUR 1 = RSD 117.5802

116

117

Srpsko bankarstvo 2020

Serbian Banking 2020

BILANS USPEHA ZA PERIOD 01.01. DO 31.12.2020.

INCOME STATEMENT FOR THE PERIOD 01.01 - 31.12.2020 ITEM

POZICIJA

I.a

Interest income

U hiljadama evra*

I.b

Interest expenses

150.427.599

1.279.362

I.1

21.011.817

178.702

U hiljadama dinara

I.a

Prihodi od kamata

I.b

Rashodi od kamata

I.1

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

129.415.782

1.100.660

I.2

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

II.a

Prihodi od naknada i provizija

60.773.734

516.870

II.b

Rashodi naknada i provizija

20.168.328

171.528

II.1

Neto prihod po osnovu naknada i provizija (rezultat oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1005 - 1006)

40.605.839

345.346

II.2

Neto rashod po osnovu naknada i provizija (rezultat oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1006 - 1005)

433

III.1

691.765

5.883

III.2

Neto gubitak po osnovu promene fer vrednosti finansijskih instrumenata

1.079.425

9.180

IV.1

Neto dobitak po osnovu reklasifikacije finansijskih instrumenata

10.116

IV.2

Neto gubitak po osnovu reklasifikacije finansijskih instrumenata

V.1

Neto dobitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po fer vrednosti

3.931.716

33.439

V.2

Neto gubitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po fer vrednosti

1.092

VI.1

Neto dobitak po osnovu zaštite od rizika

15.851

135

VI.2

Neto gubitak po osnovu zaštite od rizika

380.581

3.237

VII.1

Neto prihod od kursnih razlika i efekata ugovorene valutne klauzule

9.223.942

78.448

VII.2

Neto rashod od kursnih razlika i efekata ugovorene valutne klauzule

30.447

259

VIII.1

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

1.007.312

8.567

118

In EUR thousand*

150,427,599

1,279,362

21,011,817

178,702

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

129,415,782

1,100,660

I.2

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

II.a

Revenues from fees and commissions

60,773,734

516,870

II.b

Expenditures in respect of fees and commissions

20,168,328

171,528

II.1

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

40,605,839

345,346

II.2

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

433

III.1

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

691,765

5,883

III.2

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

1,079,425

9,180

IV.1

Net profit in respect of reclassification of financial instruments

10,116

IV.2

Net loss in respect of reclassification of financial instruments

V.1

Net profit in respect of derecognition of financial instruments carried at fair value

3,931,716

33,439

V.2

Net loss in respect of derecognition of financial instruments carried at fair value

1,092

VI.1

Net profit in respect of risk protection

15,851

135

380,581

3,237

9,223,942

78,448

30,447

259

1,007,312

8,567

Neto dobitak po osnovu promene fer vrednosti finansijskih instrumenata

In RSD thousand

VI.2

Net loss in respect of risk protection

VII.1

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

VII.2

Net expenditures in respect of exchange rate differentials and effects of the arranged currency clause

VIII.1

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

119

Srpsko bankarstvo 2020

VIII.2

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

27.451.290

233.469

4.371

IX.1

Neto dobitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po amortizovanoj vrednosti

513.978

IX.2

Neto gubitak po osnovu prestanka priznavanja finansijskih instrumenata koji se vrednuju po amortizovanoj vrednosti

Neto dobitak po osnovu prestanka priznavanja investicija u pridružena društva i zajedničke poduhvate

X.2

Neto gubitak po osnovu prestanka priznavanja investicija u pridružena društva i zajedničke poduhvate

Ostali poslovni prihodi

7.148.994

60.801

X.1

XII.1

XII.2

UKUPAN NETO POSLOVNI PRIHOD (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1003 - 1004 + 1007 - 1008 + 1009 - 1010 + 1011 1012 + 1013 - 1014 + 1015 - 1016 + 1017 - 1018 + 1019 - 1020 + 1021 - 1022 + 1023 - 1024 + 1025) ≥ 0 UKUPAN NETO POSLOVNI RASHOD (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1003 - 1004 + 1007 - 1008 + 1009 - 1010 + 1011 1012 + 1013 - 1014 + 1015 - 1016 + 1017 - 1018 + 1019 - 1020 + 1021 - 1022 + 1023 - 1024 + 1025) < 0

XIII

Troškovi zarada, naknada zarada i ostali lični rashodi

XIV

163.622.028

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

27,451,290

233,469

IX.1

Net profit in respect of derecognition of financial instruments at amortized value

513,978

4,371

IX.2

Net loss in respect of derecognition of financial instruments at amortized value

X.1

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

X.2

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

Other business revenues

7,148,994

60,801

XII.1

TOTAL NET BUSINESS REVENUES (result of summation and deduction of the following ADP categories from the income statement: 1003 - 1004 + 1007 - 1008 + 1009 - 1010 + 1011 - 1012 + 1013 - 1014 + 1015 - 1016 + 1017 - 1018 + 1019 - 1020 + 1021 - 1022 + 1023 - 1024 + 1025) ≥ 0

163,622,028

1,391,578

XII.2

TOTAL NET BUSINESS EXPENDITURES (result of summation and deduction of the following ADP categories from the income statement: 1003 - 1004 + 1007 - 1008 + 1009 - 1010 + 1011 - 1012 + 1013 - 1014 + 1015 - 1016 + 1017 - 1018 + 1019 - 1020 + 1021 - 1022 + 1023 - 1024 + 1025) < 0

XIII

Costs of salaries, wages and other personal expenses

47,428,834

403,374

XIV

Amortisation costs

13,515,672

114,949

1.391.578

403.374

Troškovi amortizacije

13.515.672

114.949

XV.1

Ostali prihodi

3.974.810

33.805

XV.2

Ostali rashodi

60.569.348

515.132

XVI.1

DOBITAK PRE OPOREZIVANjA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1026 - 1027 - 1028 - 1029 + 1030 – 1031) ≥ 0

49.137.857

XVI.2

GUBITAK PRE OPOREZIVANjA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1026 - 1027 - 1028 - 1029 + 1030 – 1031) < 0

3.054.872

25.981

XVII

Porez na dobitak

3.720.607 940.883

Dobitak po osnovu odloženih poreza

VIII.2

47.428.834

XVIII.1

Serbian Banking 2020

XV.1

Other revenues

XV.2

Other expenditures

3,974,810

33,805

60,569,348

515,132

XVI.1

PROFIT BEFORE TAX (result of summation and deduction of the following ADP categories from the income statement: 1026 - 1027 - 1028 - 1029 + 1030 – 1031) ≥ 0

49,137,857

417,909

XVI.2

LOSS BEFORE TAX (result of summation and deduction of the following ADP categories from the income statement: 1026 - 1027 - 1028 - 1029 + 1030 – 1031) < 0

3,054,872

25,981

31.643

XVII

Profit tax

3,720,607

31,643

8.002

XVIII.1

940,883

8,002

417.909

120

Profit in respect of deferred taxes

121

Srpsko bankarstvo 2020

XVIII.2

Gubitak po osnovu odloženih poreza

1.977.677

XVIII.2

16.820

XIX.1

DOBITAK NAKON OPOREZIVANjA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1032 – 1033 – 1034 + 1035 - 1036) ≥ 0

44.302.433

376.785

XIX.2

GUBITAK NAKON OPOREZIVANjA (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1032 – 1033 – 1034 + 1035 - 1036) < 0

2.976.849

25.318

XX.1

Neto dobitak poslovanja koje se obustavlja

2.093

XX.2

Neto gubitak poslovanja koje se obustavlja

170

XXI.1

REZULTAT PERIODA – DOBITAK (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1037 - 1038 + 1039 - 1040) ≥ 0

44.302.433

376.785

XXI.2

REZULTAT PERIODA – GUBITAK (rezultat sabiranja, odnosno oduzimanja sledećih AOP oznaka iz bilansa uspeha: 1037 - 1038 + 1039 - 1040) < 0

2.974.926

Serbian Banking 2020

1,977,677

16,820

XIX.1

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

44,302,433

376,785

XIX.2

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

2,976,849

25,318

XX.1

Net profit from discontinued operations

2,093

XX.2

Net loss from discontinued operations

170

XXI.1

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

44,302,433

376,785

XXI.2

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

2,974,926

25,301

25.301

* Primenjen je zvanični srednji kurs dinara u odnosu na evro, sa stanjem na dan 31.12.2020. godine - 1 EUR = 117,5802 RSD

Loss in respect of deferred taxes

* Official middle rate of exchange of the dinar against the EUR, as of 31.12.2020, was applied - EUR 1 = RSD 117.5802

122

123