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*
HKD	1		9,203896	8,849900	8,495904
HUF	1	433,571800	425,391200	409,030000	392,668800	384,488200	384,488200	384,488200
JPY	1	168,632240	167,338800	161,680000	156,021200	154,727760	154,727760	154,727760
NOK	1		12,259621	11,891000	11,522379
SGD	1		1,554696	1,494900	1,435104
SEK	1		11,278625	10,939500	10,600376
CHF	1	0,976666	0,967284	0,938200	0,909116	0,899734	0,899734	0,899734
GBP	1	0,893105	0,884526	0,857930	0,831334	0,822755	0,822755	0,822755
USD	1	1,191726	1,181453	1,141500	1,101548	1,091274	1,091274	1,091274
RSD	1	123,107198	121,934748		112,555152	111,382703	111,382703	111,382703
RON	1		5,176392	4,977300	4,778208
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,591905	4,463160	4,291500	4,119840	3,991095	3,991095	3,991095
AUD	1	1,854437	1,838405	1,781400	1,724395	1,708363	1,708363	1,708363
CAD	1	1,642056	1,629425	1,578900	1,528375	1,515744	1,515744	1,515744
CNY	1		8,643804	8,311350	7,978896
CZK	1	26,265750	25,890525	25,015000	24,139475	23,764250	23,764250	23,764250
DKK	1		7,697240	7,465800	7,234360

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
HKD
HUF	384,488200	384,488200
JPY	154,727760	154,727760
NOK
SGD
SEK
CHF	0,899734	0,899734
GBP	0,822755	0,822755
USD	1,091274	1,091274
RSD	111,382703	111,382703
RON
BAM	1,877597	1,877597
PLN	3,991095	3,991095
AUD	1,708363	1,708363
CAD	1,515744	1,515744
CNY
CZK	23,764250	23,764250
DKK

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