www.abanka.si I info@abanka.si I Abafon 080 1 360

2

Overview

OUR BUSINESS

Universal bank founded in 1955 providing wide range of bank

andotherfinancialservices

100%ownedbyRepublicof Slovenia

Substantial market share of 9.6% (as at 30.6.2018): •Totalassets3,7bnEUR •Netprofit40,4mioEUR •CAR23.1%(30.6.2018)

ActIvItIES IN 2018:

Signingofagreementonthepackagesaleof portfolioofnon-performingclaimsinMarch

CompletionofProcessofsellingsubsidiary companyAleasingd.o.o.inApril

Renovation of business strategy

ABANKA’S FIvE cORE vALUES:

FriendlinessExcellencePartnershipInnovativenessExecution

ADOPtING OF tHE BANK StRAtEGY2018-2020

The Bank strategy is focusing on:

Satisfyingclientsneeds

Implementation of digital solutions

3

RepublicofSlovenia—MacroeconomicView

Capitalandlargestcity:Ljubljana

Area:20,273 km2

Population:cca. 2 million

GDP(2017):43,278 mio EUR

RealGDPgrowth(2017):5.0%

GDPpercapita(2017):20,951 EUR

Debt/GDP(2017):73.6%

SurplusofBalanceofpayments(2017):2,813 mio EURTheshareofSurplusofbalanceof paymentsinGDP:6.5%

cOUNtRY RAtINGSFitch:A-;stableoutlookMoody’s:Baa1;stable outlookS&P:A+;positiveoutlook

4

GDPStructure

MAIN MAcROEcONOMIc INDIcAtORS

2017 2018 2019 2020

RealGDPgrowthin% 5.0 5.1 3.8 3.2

Rate of registered unemployment in % 9.5 8.0 7.2 6.7

Inflation(yearaverage)in% 1.4 1.5 1.9 2.3

Source: UMAR, Spring forecast of economic trends 2018 (March 2018)

Source: Bank of Slovenia and solo bank calculation

More than half of Slovenia’s goods exports go to the EURO area... (% 2017)

...and are dominated by manufactured goods, trade and transport (% 2017)

Other services11%

Net taxes on products

13%

Public administrations, education, human health

and social work14%

Information, communication, financial

and insurance activities7%

Trade,transportationsand storage,accommodationand food services 18%

Mining,manufacturing,electricity andwater suply24%

Agriculture,forestry and fishing2%

Construction, Real estate

11%

Rest of World23%

Austria8%

Italy11%

Germany20%

Croatia8%

Other EU24% France

6%

5

Slovenian Banking System

As at 30.6.2018in EUR million

total assets: 38,468

Loans to non-banking sector: 21,819

Liabilities from non-banking sector: 27,496

total Equity: 4,870

Liabilities from banking sector: 3,375

Loan to deposit: 79.4%

Net profit: 295.7

Non performing loans: 4.9%

Top 10 banks market share in Slovenia (%) — 30.6.2018

Source: Bank of Slovenia and solo banks calculation

Source: Bank of SloveniaAugust 2018

25.0

20.0

15.0

10.0

5.0

0.0

23.2

Nov

a LB

Lj

ublja

na

9.6

Aba

nka

6.5

SID

ban

ka

6.6

Uni

Cre

dit

Ban

ka7.8

SK

B

6.4

Inte

sa

San

paol

o

4.8

Gor

enjs

ka

bank

a

4.7

Sbe

rban

k

4.0

Add

iko

Ban

k

12.9

Nov

a K

BM

arib

or

6

AbankaRatings

Credit rating agencyRating

date

Credit riskrating:

long-term

Credit riskrating:

short-term

Financialstrength

ratingOutlook

FItcH April2018 BB+ B bb+(viability) stable

Moody’s September2017 Ba1 NotPrime ba3(BCA) positive

capital Intelligence October2017 BB+ A3 BB positive

7

FinancialhighlightsH12018ofAbankaGroup

As at 30.6.2018in EUR milliontotal assets: 3,708

Loans to non-banking sector: 1,944

Liabilities from non-banking sector: 2,877

Liabilities from banking sector: 127

Loan to deposit: 67.6%

Share of NPLs in total loans: 5.5%

cAR: 23.1%

Net profit: 38.9

Market share (total Assets)*: 9.6%

Number of branches: 56

Number of employees: 1,047

*Number for solo Abanka

8

Abankad.d.—aBankwithTradition

From December 1989independentbank namedABANKA d.d.,Ljubljana

Recapitalization of the bank by the Republic of Slovenia;preparation of the restructuringplan of the bank for the period 2014 – 2018

31st December2002 mergerby acquisitionof Banka Vipa,consequentlyrenamed intoAbanka Vipa d.d.

On 16thDecember 2014EuropeanCommission has concluded that jointrestructuringplan of AbankaVipa d.d. andBanka Celje d.d.is in line with EUstate aid rules.

On 13th August2014 EuropeanCommissionauthorises stateaid for Abanka.In October 2014completition ofthe increase inAbanka’s capital and transfer ofclaims to theBAMC.

On 5th october2015 successfulmerger byacquisitionof Banka Celje by ABANKA d.d.,Ljubljana

Adoption of the Bankstrategy2018-2020

1955 1989 2002 2013 2014 2015 2018

Abanka wasfounded in 1955 as a subsidiary of the exJugoslav bankfor foreign trade, later known asJUGOBANKA:subsidiaryJugobankawas the first inSlovenia toconductinternationalbusiness

9

Bank strategy 2018-2020

STRATEGIC PRIORITIES

CULTURE AND CLIENT EXCELLENCE

BUSINESS GROWTH

EFFICIENCY IMPROVEMENT

RISK MANAGEMENT

10

OrganisationalStructure

DIVISIONAL ORGANISATION OF THE BANK ENABLES EFFICIENT MANAGEMENT ANDREGULAR DEVELOPMENT OF THE PRODUCTS AND SERVICES FOR THE CUSTOMERS

RETAIL BANKING AND SMALL BUSINESS DIVISION

RISK MANAGEMENTDIVISION

INFORMATION TEChNOLOGy DIVISION

BACK-OFFICE OPERATIONS DIVISION

CORPORATE BANKING DIVISION

FINANCIAL MARKETS DIVISION

FINANCE DIVISION

MANAGEMENT BOARD

COMPLIANCE

PROCUREMENT AND GENERAL AFFAIRS

CUSTODy AND ADMINISTRATIVE SERVICES

PERSONNEL AND ORGANISATIONLEGAL

CORPORATE COMMUNICATIONS

DEVELOPMENT AND MARKETING

COORDINATION OF WORK WITh ThE REGULATOR

INTERNAL AUDIT

SUBSIDIARy COORDINATION

11

Universal Bank

ABANKA IS AN UNIVERSAL BANK THAT PROVIDESALL BANKING AND OTHER FINANCIAL SERVICES

SE

RV

ICE

SA

PP

RO

AC

h

Extensive network of 56 branches

throughout SloveniaE-banking

Advisory servicesand

personal approach

Commercial banking

Bank assuranceservices

Treasuryand

Investment banking

12

Products&Services

Strongbrandrecognitionincorporate,SMEandretailbankingModernfinancialinstruments(e-banking,mobilebanking)ExtensivenetworkthroughbranchesandATMs

StrategicpartnershipwithZavarovalnicaTriglav, thebiggestSlovenianinsurancecompanyWiderangeofinsuranceproducts

Fixedincomeproducts(primaryandsecondarymarket)WiderangeofderivativeproductsCurrencytradingEquity&precious metals brokerageCorporatefinanceadvisory

COMMERCIALBANKING

BANK ASSURANCEPRODUCTS

TREASURy ANDINVESTMENT BANKING

“Tooffertheverybestfinancialservicesthroughlong-termpartnerrelationships,excellenceinoperations,concernforsecurityandcontinuousdevelopment.”

13

Networkof56branchesaroundSlovenia

14

FinancialHighlights(H12018)

Abanka d.d. (unaudited data) EURthousands

STATEMENT OF FINANCIAL POSITION 30 June 2018 1 January 2018 Index 6.18/1.1.18

Cash (cash and balances with banks) 439,953 411,664 106.9Loans to banks 42,594 60,732 70.1Loans to non-bank customers 1,955,226 1,977,368 98.9

Retail customers 870,304 848,516 102.6Corporate customers 1,084,922 1,128,852 96.1

Financial assests - securities 48,413 46,186 104.8Financial assests - bonds 1,089,994 1,033,237 105.5Property, equipment, intangible assets, investments in subsidiaries and other assets

132,322 95,200 139.0

Total Assets 3,708,502 3,624,387 102.3Liabilities towards financial institutions 127,033 113,254 112.2

Financial liabilities to customers 2,880,203 2,861,187 100.7

Retail customers 2,041,675 1,981,616 103.0

Corporate customers 838,055 879,071 95.3

Loans from non-bank customers 473 500 94.5

Bonds and certificates of deposit 13,394 13,021 102.9Provisions 47,688 43,374 109.9Other liabilities 82,090 33,157 247.6Equity 558,094 560,394 99.6Total Liabilities & Equity 3,708,502 3,624,387 102.3

15

FinancialHighlights(H12018)

Abanka d.d. (unaudited data) EURthousands

INCOME STATEMENT Jan-Jun 2018 Jan-Jun 2017 Jan-Dec 2017 Index 1-6.18/1-6.17

Net interest income 29,466 36,655 72,236 80.4

Net non interest income 35,078 24,993 46,453 140.4

Gross income 64,544 61,648 118,689 104.7

Operating expenses -33,612 -34,355 -72,797 97.8

Operating profit 30,932 27,293 45,892 113.3

Net impairment and provisions 13,358 8,606 1,943 155.2

Total profit / loss before tax 44,289 35,899 47,835 123.4

Tax -3,875 -3,444 -5,215 112.5

Total profit / loss after tax 40,414 32,455 42,620 124.5

16

IdentityCard:Abankad.d.

Registered office:Slovenskacesta58,1517Ljubljanatransaction account: SI56 0100 0000 0500 021BIc:ABANSI2Xtax number:68297530vAt identification number:SI68297530Registration number:5026024Share capital:EUR151,000,000Phone:+38614718100Fax:+38614325165Web address: http://www.abanka.siE-mail: info@abanka.siManagement Board: •JožeLenič,MSc(PresidentoftheManagementBoard) •MatejGolobMatzele(MemberoftheManagementBoard) •MatevžSlapničar,MSc(MemberoftheManagementBoard)Shareholder Structure:RepublicofSlovenia100%

17

Contacts

Common e-mail address for investors

investors@abanka.si

Financial Markets

Mr. Boštjan HeričExecutiveDirectorofFinancialMarketsPhone:+38614718461E-mail:bostjan.heric@abanka.si

Investment banking

Mr. Blaž AngelDirectorofInvestmentbankingPhone:+38614718170E-mail:blaz.angel@abanka.si

Financial Institutions

Mrs. Maja BogdanoskiHeadofFinancialInstitutionsPhone:+38614718071E-mail:maja.bogdanoski@abanka.si