Hrvatska Postanska Banka D.d. · ZSE:HPB
Hrvatska Postanska Banka D.d — Hrvatska poštanska banka — Investor Presentation (July 2026)
30 slides from Hrvatska Postanska Banka D.d's investor presentation, July 2026
Slide 1: Investor Presentation
Investor Presentation July 2026
Slide 2: Legal Disclaimer
Legal Disclaimer THIS PRESENTATION IS NOT AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION DOES NOT CONTAIN ALL OF THE INFORMATION THAT IS MATERIAL TO AN INVESTOR. BY READING THE PRESENTATION SLIDES YOU ACKNOWLEDGE AND AGREE TO THE
Slide 3: Agenda
Agenda 1. CROATIAN MACRO AND BANKING SECTOR...….4 2. HPB OVERVIEW………………………………………8 3. FINANCIAL PERFORMANCE………………………16 A ADDITIONAL INFORMATION……………………….25
Slide 4: Croatian Macro and Banking Sector
1. CROATIAN MACRO AND BANKING SECTOR 2. HPB OVERVIEW 3. FINANCIAL PERFORMANCE A ADDITIONAL INFORMATION
Slide 5: Croatian Economy Stands out on Broader European Level with Solid Fundamentals
Croatian Economy Stands out on Broader European Level with Solid Fundamentals to Sustain Outperformance Strong GDP Growth Outpacing Peer Countries and EU… …Also on Per Capita Basis Healthy Labour Force Dynamics Real GDP CAGR 2025-2027E Real GDP per Capita CAGR 2025-2027E Unemployment Rate, 2025 2.6%
Slide 6: Underpenetrated Croatian Banking Sector Showing Further Growth Opportunities
Underpenetrated Croatian Banking Sector Showing Further Growth Opportunities Underpenetrated Croatian Market Signalling Untapped Opportunity… …while Sector Growing at a Strong Pace Loans to GDP (2024), Bubbles indicate GDP Size Banking Sector Assets, EUR bn 100% 6% CAGR 90% Estonia 91.1 80% 84.2 78.
Slide 7: Solid Sector Fundamentals with Sustainable Growth, High Liquidity
Solid Sector Fundamentals with Sustainable Growth, High Liquidity, Healthy Asset Quality and Attractive Profitability Sustained Loan Growth Driven by Healthy Robust Deposit Growth Supported by Ample Liquidity with Solid Loan-to- Credit Demand Increasing Deposit Penetration Deposit Ratio Historically
Slide 8: HPB Overview
1. CROATIAN MACRO AND BANKING SECTOR 2. HPB OVERVIEW 3. FINANCIAL PERFORMANCE A ADDITIONAL INFORMATION
Slide 9: HPB at a Glance
HPB at a Glance Overview Key Financials • Leading Croatian-owned bank focused on sustainable growth, client-centric banking and long-term 2024 2025 YoY Q1’25 Q1’26 YoY value creation across Retail, SME and Corporate segments Income Statement (€MM) o 5th largest bank in Croatia by total assets since
Slide 10: Key Milestones of HPB
Key Milestones of HPB Significant Milestones of HPB Purchase and relocation to Corporate rebranding and HPB's recapitalization Acquisition of Takeover offer for a new headquarter at the adoption of a new logo through a combined Merger of Pronam nekretnine Croatia banka d.d., Jurišićeva 4, Zagreb and
Slide 11: Strong Market Position Driven by Organic and Inorganic Growth
Strong Market Position Driven by Organic and Inorganic Growth Market Position HPB Total Assets Evolution By Total Assets as of 31 December 2025, EUR bn EUR bn Market CAGR of 6% in 2022-2025 Share 31.12.2025 23.3 25.5% 8.6 7.9 7.9 18.4 20.2% 7.0 16.0 17.6% 5.5 9.4 10.3% 8.6 # 5 9.4% 7.6 8.3% HPB in t
Slide 12: Diversified Offering Across Different Segments and Subsidiaries
Diversified Offering Across Different Segments and Subsidiaries Group Subsidiaries Customer Segments and Highlights As of 31 December 2025 As of 31 December 2025 Retail SME & Corporate Financial Markets UCITS funds management Current Debit and Housing and Payments and Current Debit and Payment Worki
Slide 13: Wide Distribution Network and Strong Digital Capabilities
Wide Distribution Network and Strong Digital Capabilities Nationwide Reach via Branch Network and Post Office Partnership Strong Cards Issuance Omnichannel Distribution As of 31 December 2025 As of 31 December 2025 As of 31 December 2025 RCS 6 Sjeverna 1 Čakovec RCS Hrvatska 1 Varaždin RCS 538 171k
Slide 14: Experienced Management and Supervisory Board
Experienced Management and Supervisory Board Management Board Supervisory Supervisory Board Board Marko Badurina Alen Stojanović President of the Management Board Chair of the Supervisory Board; Independent 20 7 32 1 Anto Mihaljević Mislav Ante Omazić Member; Retail, SME & Marketing Deputy Chair; In
Slide 15: Key Investment Highlights
Key Investment Highlights Croatian economy standing out on broader European level with high GDP growth, healthy labour market, solid fiscal headroom as well 1 as strong tourism dynamics and foreign investor interest 2 Underpenetrated Croatian banking sector offering strong fundamentals and further r
Slide 16: Financial Performance
1. CROATIAN MACRO AND BANKING SECTOR 2. HPB OVERVIEW 3. FINANCIAL PERFORMANCE A ADDITIONAL INFORMATION
Slide 17: Strong Financial Profile
Strong Financial Profile Investments into Digitisation Driving Solid Margins with Low Cost of Funding Steady Fee Income Generation OpEx Higher Temporarily % EUR mn, % EUR mn, % 3.5% 0.5% 0.5% 0.5% 0.5% 60% 64% 2.8% 2.9% 50% 52% 2.4% 1.9% 1.9% 35.9 38.2 113 122 9 10 27 31 1.2% 1.0% 0.9% 2024 2025 Q1'
Slide 18: Simple Balance Sheet with Robust Liquidity Position
Simple Balance Sheet with Robust Liquidity Position Balance Sheet Overview LCR Q1 2026, EUR mn % 7,935 7,935 Other liabilities 1% 114 96 Loan liabilities 261 Other assets 441 6% 208 207 1% 590 Equity and reserves 7% Securities 2,275 Requirement 29% 100% Cash and cash 2024 2025 Q1 2026 equivalents 1,
Slide 19: Diversified Loan Portfolio
Diversified Loan Portfolio Loan Portfolio Growth by Segments EUR Bn 3.9 3.9 3.0 0.5 0.5 32% CAGR 0.4 1.4 1.4 27% CAGR 1.0 1.7 2.0 2.0 17% CAGR 2024 2025 Q1'26 Retail Corporate, public sector & financial market SME Loan Portfolio Breakdown(1) Q1 2026 Retail Products SME & Corporate Sectors (2) Other
Slide 20: Healthy Asset Quality
Healthy Asset Quality Stage 2 Ratio(1) & Coverage NPL Ratio(2) & Coverage % % 25.0% 8.0% 7.3% 74.0% 74.5% 70.9% 7.0% NPL balances continue to decline while the 20.0% marginal movement in the NPL ratio reflects 5.7% changes in balance sheet composition by reallocation of excess central bank deposits
Slide 21: High Share of Liquid Assets in Balance Sheet
High Share of Liquid Assets in Balance Sheet High Share of Liquid Assets in Balance Sheet Securities Portfolio Evolution(1) Liquid Assets by type, EUR mn By type, EUR mn % Assets 62% 55% 50% 2,278 2,275 4,903 4,681 61 55 1,104 4,004 653 644 2,278 1,104 2,275 40 197 3,799 1,564 1,576 2,402 867 1,728
Slide 22: Well-diversified Deposit Portfolio with High Share of Demand Deposits
Well-diversified Deposit Portfolio with High Share of Demand Deposits Deposits Evolution Loan to Deposit Ratio Split by Segments, EUR bn % 55% 7.2 52% 6.7 6.8 0.7 0.7 43% 0.6 2.8 3.3 3.0 3.3 3.2 3.2 2024 2025 Q1 2026 2024 2025 Q1 2026 Retail Corporate, public sector & financial market SME Deposit Br
Slide 23: Solid Capital Position
Solid Capital Position Regulatory Capital Capital Position CET1, EUR mn % of RWA Dividends(1) 547 547 5.3 48.4 44.2 512 (EUR mn) 21.1% 19.5% 19.3% 2024 2025 Q1 2026 CAR (SREP): Risk Weighted Assets 16.9% EUR mn, % Tier 1: 14.3% 31% 33% 36% CET1: 12.3% CET1 = Total Capital Ratio 2,814 2,830 2,422 202
Slide 24: Comfortable Buffers to MREL Requirements
Comfortable Buffers to MREL Requirements MREL Position EUR mn % of TREA 920 890 34.3% 831 32.5% 31.7% Requirement 343 373 30.67% 320 512 547 547 2024 2025 Q1 2026 2024 2025 Q1 2026 CET1 Other MREL Instruments 24 Source: Company information
Slide 25: Additional Information
1. CROATIAN MACRO AND BANKING SECTOR 2. HPB OVERVIEW 3. FINANCIAL PERFORMANCE A ADDITIONAL INFORMATION
Slide 26: Summary Income Statement
Summary Income Statement (EUR MM) 2024 2025 YoY Q1'25 Q1'26 YoY Interest income 261 228 (13%) 60 60 (0%) Interest Expense (83) (74) (11%) (19) (20) 4% Net Interest Income 178 154 (13%) 40 39 (2%) Fees and Commissions Income 77 78 1% 18 19 1% Fees and Commissions Expense (41) (40) (4%) (9) (9) (3%) N
Slide 27: Summary Balance Sheet
Summary Balance Sheet Balance Sheet (EUR mn) 2024 2025 Q1'26 CAGR Cash and Cash Equivalents 3,799 2,402 1,728 (47%) Loans and Receivables from Banks 2 2 3 8% Financial Assets at Fair Value through Profit and Loss 67 65 64 (3%) Financial Assets at Fair Value through Other Comprehensive Income 5 6 5 (
Slide 28: Abbreviations and Definitions
Abbreviations and Definitions Abbreviation Definition ATM Automated teller machine AuM Assets under management CAGR Compounds annual growth rate CAR Regulatory capital ratio CET 1 Common Equity Tier 1 C/I Cost / income CNB Croatian National Bank Business entities (including public sector, central st
Slide 29: Indices calculation
Indices calculation Indicator Definition Common Equity Tier 1 (CET 1) Common Equity Tier 1 (CET1) capital to risk weighted assets (RWA) ratio Cost of funding Ratio of interest income for the period to average interest earning assets for the period Cost of risk Provisions for the period divided by av
Slide 30: We are creating conditions for a better life in Croatia
We are creating conditions for a better life in Croatia HEADQUARTER Address: Jurišićeva ulica 4 HR-10000 Zagreb Telephones: 072 472 472 0800 472 472 +385 1 4805 057 Fax: +385 1 4810 773 E-mail: hpb@hpb.hr HPB HPB LinkedIn HPB HPB LinkedIn
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