Banka Sparkasse d.d.

It may perform the following mutually recognised financial services, pursuant to Article 5 of the ZBan-3:

• 1. Receiving deposits.

• 2. Granting of loans, including:

  • consumer loans;
  • mortgage loans;
  • purchase of receivables with or without recourse (factoring);
  • financing of commercial transactions, including export financing based on the purchase of non-current non-past-due receivables at a discount and without recourse, secured by financial instruments (forfeiting).

• 4. Payment services.

• 5. Issuance and management of other payment instruments (i.e. travellers' cheques and banker's drafts) in the part in which this service is not included in service of point 4 of this Article.

• 6. Issuing of guarantees and other commitments.

• 7. Trading for own account or for account of customers in:

  • in foreign exchange, including currency exchange transactions;

• Trading for own account in:

  • in money-market instruments;

• 13. Credit rating services: collecting, analysing and disseminating information regarding creditworthiness.

It may perform the following additional financial services, pursuant to Article 6 of the ZBan-3:

• 1. Insurance agency service pursuant to the law governing the insurance industry.

• 5. Credit brokerage for consumer and other types of loans.

• 6. Other services or transactions that, taking into account the manner in which they are provided and the risks to which a bank is exposed in the provision thereof, have similar attributes to mutually recognised financial services or ancillary financial services:

  • brokerage of financial leasing;