![Page 1: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/1.jpg)
ABCD KPMG d.o.o. Beograd
Kraljice Natalije 11 11000 Belgrade Serbia
Telephone: Fax: E-mail: Internet:
+381 11 20 50 500 +381 11 20 50 550 [email protected] www.kpmg.co.yu
Agencija za privredne registre BD 7113 Matični broj 17148656 Račun 265-1100310000190-61 Raiffeisen banka a.d. Beograd PIB 100058593
© 2009 KPMG d.o.o. Beograd, a Serbian limited liability company and a member firm of the KPMG network of independent member firms affiliated with KPMG International, a Swiss cooperative. All rights reserved.
Upisani osnovni kapital Društva odEUR 50.790,42 uplaćen, odnosno unet je u celosti. KPMG d.o.o. Beograd je jednočlano društvo.
AKCIONARIMA HYPO-ALPE-ADRIA-BANK A.D. BEOGRAD Mišljenje o konsolidovanim finansijskim izveštajima Izvršili smo reviziju priloženih konsolidovanih finansijskih izveštaja Hypo-Alpe-Adria-Bank a.d. Beograd i njenih zavisnih društava (u daljem tekstu: Grupa) koji se sastoje od konsolidovanog bilansa stanja na dan 31. decembra 2008. godine i konsolidovanog bilansa uspeha, konsolidovanog bilansa tokova gotovine i konsolidovanog izveštaja o promenama na kapitalu Grupe za godinu koja se završava na taj dan, kao i pregleda osnovnih računovodstvenih politika i drugih napomena. Odgovornost rukovodstva za konsolidovane finansijske izveštaje Rukovodstvo je odgovorno za sastavljanje i objektivno prikazivanje ovih konsolidovanih finansijskih izveštaja u skladu sa Zakonom o računovodstvu i reviziji Republike Srbije („Službeni glasnik RS“ 46/2006), Zakonom o bankama („Službeni glasnik RS“ 107/2005) i ostalim relevantnim podzakonskim aktima Narodne banke Srbije. Ova odgovornost obuhvata: kreiranje, implementaciju i održavanje internih kontrola koje su relevantne za sastavljanje i objektivno prikazivanje konsolidovanih finansijskih izveštaja koji ne sadrže materijalno značajne greške nastale bilo zbog pronevere ili grešaka u radu, odabir i primenu odgovarajućih računovodstvenih politika i vršenje računovodstvenih procena koje su razumne u datim okolnostima. Odgovornost revizora Naša odgovornost je da na osnovu izvršene revizije izrazimo mišljenje o priloženim konsolidovanim finansijskim izveštajima. Reviziju smo izvršili u skladu sa Zakonom o računovodstvu i reviziji Republike Srbije („Službeni glasnik RS“ 46/2006), Međunarodnim standardima revizije izdatih od strane Međunarodnog saveza računovođa i Odlukom o spoljnoj reviziji banaka. Ovi standardi zahtevaju da se pridržavamo relevantnih etičkih zahteva i da reviziju planiramo i obavimo na način koji nam omogućuje da steknemo razumni nivo uveravanja da konsolidovani finansijski izveštaji ne sadrže materijalno značajne greške. Revizija obuhvata obavljanje procedura u cilju prikupljanja revizorskih dokaza o iznosima i obelodanjivanjima u konsolidovanim finansijskim izveštajima. Odabir procedura zavisi od naše procene, uključujući i procenu rizika od materijalno značajnih grešaka u konsolidovanim finansijskim izveštajima nastalih bilo zbog pronevere ili grešaka u radu. U proceni rizika uzimamo u obzir interne kontrole koje su relevantne za sastavljanje i objektivno prikazivanje konsolidovanih finansijskih izveštaja Grupe sa ciljem projektovanja revizorskih procedura koje odgovaraju okolnostima, ali ne i za svrhe izražavanja mišljenja o efektivnosti internih kontrola primenjenih u Grupi. Revizija takođe obuhvata ocenu da li su računovodstvena načela i značajna procenjivanja koja je primenilo rukovodstvo odgovarajuća, kao i opštu ocenu prezentacije konsolidovanih finansijskih izveštaja.
![Page 2: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/2.jpg)
ABCD
2
Smatramo da su revizorski dokazi koje smo pribavili dovoljni i odgovarajući i pružaju osnov za izražavanje našeg mišljenja. Mišljenje Po našem mišljenju konsolidovani finansijski izveštaji prikazuju istinito i objektivno finansijsko stanje Grupe na dan 31. decembra 2008. godine, rezultate poslovanja i tokove gotovine za godinu koja se završava na taj dan i sastavljeni su u skladu sa Zakonom o računovodstvu i reviziji Republike Srbije („Službeni glasnik RS“ 46/2006), Zakonom o bankama („Službeni glasnik RS“ 107/2005) i ostalim relevantnim podzakonskim aktima Narodne banke Srbije.
KPMG d.o.o. Beograd
(M.P.) Nina Bulatović
Beograd, 12. mart 2009. godine
Ovlašćeni revizor
![Page 3: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/3.jpg)
![Page 4: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/4.jpg)
![Page 5: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/5.jpg)
![Page 6: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/6.jpg)
![Page 7: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/7.jpg)
![Page 8: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/8.jpg)
![Page 9: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/9.jpg)
![Page 10: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/10.jpg)
![Page 11: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/11.jpg)
![Page 12: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/12.jpg)
![Page 13: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/13.jpg)
![Page 14: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/14.jpg)
![Page 15: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/15.jpg)
![Page 16: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/16.jpg)
![Page 17: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/17.jpg)
![Page 18: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/18.jpg)
![Page 19: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/19.jpg)
![Page 20: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/20.jpg)
![Page 21: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/21.jpg)
![Page 22: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/22.jpg)
![Page 23: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/23.jpg)
![Page 24: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/24.jpg)
![Page 25: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/25.jpg)
![Page 26: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/26.jpg)
![Page 27: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/27.jpg)
![Page 28: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/28.jpg)
![Page 29: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/29.jpg)
![Page 30: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/30.jpg)
![Page 31: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/31.jpg)
![Page 32: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/32.jpg)
![Page 33: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/33.jpg)
![Page 34: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/34.jpg)
![Page 35: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/35.jpg)
![Page 36: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/36.jpg)
![Page 37: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/37.jpg)
![Page 38: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/38.jpg)
![Page 39: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/39.jpg)
![Page 40: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/40.jpg)
![Page 41: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/41.jpg)
![Page 42: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/42.jpg)
![Page 43: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/43.jpg)
![Page 44: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/44.jpg)
![Page 45: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/45.jpg)
![Page 46: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/46.jpg)
![Page 47: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/47.jpg)
![Page 48: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/48.jpg)
![Page 49: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/49.jpg)
![Page 50: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/50.jpg)
![Page 51: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/51.jpg)
![Page 52: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/52.jpg)
![Page 53: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/53.jpg)
![Page 54: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/54.jpg)
![Page 55: ABCD - Addiko Bank Srbija · 2017. 5. 23. · ABCD KPMG d.o.o. Beograd Kraljice Natalije 11 11000 Belgrade Serbia Telephone: Fax: E-mail: Internet: +381 11 20 50 500 +381 11 20 50](https://reader031.vdocuments.site/reader031/viewer/2022013023/5ff2a1f558953455576d5c09/html5/thumbnails/55.jpg)