Exchange rate list

		Buy for cash and checks		Buying rate		Middle rate	Selling rate		Selling for cash and checks
Currency	Unit	Rate	ESB mark-up*	Rate	ESB mark-up*	Rate	Rate	ESB mark-up*	Rate	ESB mark-up*
CAD	1	1,712442	1,704248	1,638700	1,573152	1,564959	1,564959	1,564959
CNY	1		8,689564	8,355350	8,021136
CZK	1	25,612235	25,248080	24,277000	23,305920	22,941765	22,941765	22,941765
DKK	1		7,765368	7,466700	7,168032
HKD	1		9,496708	9,131450	8,766192
HUF	1	412,212800	404,435200	388,880000	373,324800	365,547200	365,547200	365,547200
JPY	1	181,199200	179,816000	172,900000	165,984000	164,600800	164,600800	164,600800
NOK	1		12,141480	11,674500	11,207520
SGD	1		1,573156	1,512650	1,452144
SEK	1		11,443120	11,003000	10,562880
CHF	1	0,977278	0,971672	0,934300	0,896928	0,891322	0,891322	0,891322
GBP	1	0,912740	0,907504	0,872600	0,837696	0,832460	0,832460	0,832460
USD	1	1,232070	1,220336	1,173400	1,126464	1,114730	1,114730	1,114730
RSD	1	123,035903	121,864132		112,489968	111,318198	111,318198	111,318198
RON	1		5,294276	5,090650	4,887024
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
PLN	1	4,553385	4,425720	4,255500	4,085280	3,957615	3,957615	3,957615
AUD	1	1,858847	1,848184	1,777100	1,706016	1,695353	1,695353	1,695353

Zagrebačka banka d.d. is authorized to change the exchange rate list and/or suspend trading in any currency from the exchange rate list at any time.

*ECB margin is reported in accordance with EU Regulation 2021/1230. It is a fee for currency conversion that is obtained by comparing the exchange rate used by the Bank for conversion from the original currency of the transaction to euros to the exchange rate reported by the European Central Bank (ECB) for that transaction currency. Given that the currencies of the European Economic Area BGN (Bulgarian lev), ISK (Icelandic krona) and RON (Romanian leu) are not listed on the Exchange Rate List for card transactions of Zagrebačka banka, the ECB margin for these currencies is shown below. It is obtained by the exchange rates used by Mastercard and Visa card payment schemes for conversion from the original transaction currency to euros, which are put in relation to the exchange rate reported by the ECB for that transaction currency.

Currency	% ESB margin for Mastercard transactions	% ESB margin for Visa transactions
CAD	1,564959	1,564959
CNY
CZK	22,941765	22,941765
DKK
HKD
HUF	365,547200	365,547200
JPY	164,600800	164,600800
NOK
SGD
SEK
CHF	0,891322	0,891322
GBP	0,832460	0,832460
USD	1,114730	1,114730
RSD	111,318198	111,318198
RON
BAM	1,867818	1,867818
PLN	3,957615	3,957615
AUD	1,695353	1,695353

The amount of the margin is updated on working days of the TARGET system around 16:00 and is reported only for currencies from the exchange rate list for card transactions related to the countries of the European Economic Area.

Previous exchange rate lists