GSS Newsletter 2025 Q3

October 2025 – Issue 232

Global Securities Services

Dear Clients, Partners, and Friends, At the time of this release, the UniCredit delegation will be in the middle of SIBOS, meeting with many of our partners and friends, including potentially, yourself. The timing couldn’t be better as we ride a wave of incredible momentum within UniCredit. As evidenced by recent results, UniCredit continues to set profit records, confirming the relentless execution of our transformation while shifting our focus to revenue acceleration. During SIBOS, we will be channelling this momentum to discuss the evolution of our partners’ business models and exploring interbank opportunities to grow together. For GSS, this momentum is equally reflected in exciting developments already implemented and still underway. Chief among them is the much-hailed BaNCS system, now setting the stage for long-term sustainability and risk mitigation – a model we’re pleased to see more of our peers electing to implement across their own networks. This growing community of users will elevate BaNCS’ capabilities to quickly and effectively adapt to regulatory changes and requirements across our global industry. Adding to this, our continued focus on aligning technology strategies with those of our clients is delivering tangible results. We’re proud to see the first positive outcomes from our API and MQ messaging solutions, enabling enriched data exchange with partners. We look forward to continuing these dialogues and sharing the benefits with many other clients, compounding value for the entire community. In the spirit of this momentum, I’m proud to again share insights from our GSS markets, showcasing the diversity of our CEE region and the expertise of our people across the entities. They are a true testament to the success of our business, and I share in their motivation to keep excelling – providing all of you with unparalleled service excellence.

Client Solutions is a division of UniCredit Group and consists of UniCredit S.p.A., UniCredit Bank GmbH, UniCredit Bank GmbH London Branch, UniCredit Bank GmbH Milan Branch and other members of UniCredit Group. UniCredit Group and its subsidiaries are subject to regulation by the European Central Bank. UniCredit S.p.A. is regulated by Banca d’Italia and supervised by the Commissione Nazionale per le Società e la Borsa (CONSOB). In addition, UniCredit Bank GmbH is regulated by the Federal Financial Supervisory Authority (BaFin), UniCredit Bank GmbH London Branch is authorised and regulated by the Financial Conduct Authority (FCA), and UniCredit Bank GmbH Milan Branch is also regulated by Banca d’Italia and supervised by the Commissione Nazionale per le Società e la Borsa (CONSOB). This publication is intended for marketing purpose only and it is published by UniCredit Group. Under no circumstances may the information contained in the published material be construed as an offer, recommendation, invitation to offer or promotional message for the purchase, sale or subscription of financial products. This marketing communication is directed solely at investment professionals and constitutes a “non-retail communication” for the purposes of the relevant rules.

UniCredit

General Company Info

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Head of Group Correspondent Banking

Riccardo Maddinelli

Pag – Where Stone, Sea and Tradition Create Magic Did you know that Croatia is home to over 1,000 breathtaking islands, each with its unique character and story to tell? Among them, Pag stands out as a place of raw beauty, cultural treasures, and unforgettable flavours – a true jewel of the Adriatic. Pag, one of Croatia’s largest islands, is famously known as the island of “stone magic.” Its barren, rugged landscapes stretch across rolling hills of white rock, shaped by centuries of wind and sea, giving the island an otherworldly, almost lunar appearance. Yet behind this stark scenery lies a world rich in tradition, history, and life. Visitors are often amazed to discover ancient salt pans that have been preserved for generations, as well as the world-famous Pag lace, a delicate craft passed down through skilled local artisans.

Croatia

NAVIGATOR ARTICLE

For food lovers, Pag is nothing short of paradise. The island’s most celebrated specialty is the award-winning Pag cheese, made from sheep grazing on aromatic herbs kissed by sea salt carried by the bora wind. Paired with a glass of local wine, it becomes a taste of Croatia you will never forget. Pag is also renowned for its tender lamb, prepared in recipes rooted deep in tradition, and a variety of seafood dishes that celebrate the richness of the Adriatic. Beyond food and culture, Pag offers natural wonders at every turn. The coastline is dotted with hidden coves and long stretches of sandy and pebbled beaches, washed by crystal-clear waters that invite both relaxation and adventure. Ancient stone walls crisscross the island, while villages with narrow streets and centuries-old churches whisper stories of a rich past. Among its natural treasures are the famous Lun olive groves, covering 24 hectares and home to more than 80,000 olive trees – including one of the oldest in the world, estimated to be around 1,600 years old. And for those seeking excitement, Pag is also known for its vibrant nightlife and international summer festivals, drawing young travellers from all over the globe.

Every corner of Pag tells a story – one of resilience, artistry, and harmony with nature. Whether you are exploring its dramatic landscapes, savouring its unique flavours, dancing at a beach festival, or simply soaking up the island’s timeless atmosphere, Pag offers an experience that is both authentic and magical. Once discovered, it is an island that stays with you forever. Welcome to Pag!

NEWS

Slovenia

Serbia

Bulgaria

Romania

Hungary

Slovakia

Czech Republic

Author

Mandatory protection against cyber-attacks in the Austrian financial sector Etchical hackers to perform simulated cyberattacks as a required process in Austria

Austria

Croatia

Feeling at peace when leaving work and returning stress-free. Maintaining balance – feeling physically healthy, emotionally stable, and content in both personal and professional life. A deep sense of inner calm and being satisfied with oneself and one’s surroundings, regardless of external circumstances. Respecting oneself and others, honouring both body and soul, and living in gratitude rather than fear. Achieving harmony in all aspects of life – physical, emotional, mental, social, and professional. Mental health as the foundation of overall well-being.

Well-being Focus Zagrebačka banka d.d. hosted inspiring workshops and promoted the adoption of positive new habits for all employees

Croatia

As part of the implementation of activities in the field of payment systems under the National Plan for the Introduction of the Euro in the Republic of Bulgaria, as of 3 December 2024, the Bulgarian National Bank, the BISERA payment system operated by BORICA AD, two banks and one electronic money institution joined the Eurosystem’s TIPS (Target Instant Payment Settlement) service. This will facilitate the ability to make instant domestic and cross-border customer payments in euro, according to the European Payments Council SEPA Instant Credit Transfer (SCT Inst) scheme – credit transfers executed on a 24/7/365 basis, will within a maximum of 10 seconds from debiting the payer's account, credit the amount to the beneficiary’s account and receive the relevant confirmation from the payer. TIPS is part of the consolidated platform for TARGET Services and provides reachability for instant payments in euro to all payment service providers in the euro area that are registered participants in the SCT Inst scheme, with 99% of TIPS payments processed in less than 5 seconds. More payment service providers in the country will continue to join TIPS in 2025.

TIPS (Target Instant Payment Settlement) The Bulgarian National Bank and other financial institutions join TIPS in preparation of the introduction of the Euro in Bulgaria

Bulgaria

Zagrebačka banka d.d. (hereafter: Zaba) continues to demonstrate its deep commitment to the well-being of its employees by organizing multiple activities in Q1 and Q2. Beginning with a “Well-being Focus Week”, a holistic approach to health and happiness, featured a series of themed days and meaningful activities, held from 7 April to 11 April. The week was filled with educational, recreational, and socially responsible content, encouraging colleagues to adopt new habits and find greater balance in their everyday lives. The week commenced energetically with a focus on physical well-being: colleagues gathered at Zaba’s campus gym for a group workout session. With positive energy and an engaging quiz with prizes, it was a motivating start. Tuesday was dedicated to social well-being and featured an insightful workshop on biohacking as well as a volunteer activity to create pink ribbons for the association which supports the fight against breast cancer. Wednesday’s theme was career well-being, highlighted by an online course titled Work Smart, Work Efficiently and a special meeting of Zaba’s Book Club, focusing on “Atomic Habits” by James Clear – a conversation that encouraged professional growth through small but powerful changes. Thursday was devoted to financial well-being and featured an online presentation led by internal experts from Zaba’s Savings & Investments and Commercial Strategy teams. The session covered key topics such as saving, investing, and employee-exclusive financial benefits. Participants learned how to make smarter financial decisions and take full advantage of the tools and resources available to them as Zaba employees and clients. On Friday, the focus shifted to mental well-being. Through an online session on emotional resilience led by the Director of Learning and Development, participants learned practical techniques to overcome stress and stay mentally strong in challenging situations. The day concluded with a relaxing walk around Jarun Lake, encouraging colleagues to adopt healthier habits and enjoy time in nature together. The Ministry of Finance, together with the Croatian Financial Services Supervisory Agency, with the technical support of the European Bank for Reconstruction and Development, launched this project in mid-2023. The Working Group included representatives of the Ministry of Finance, the Croatian Financial Services Supervisory Agency (HANFA), the Central Depository and Clearing Company (SKDD), the Zagreb Stock Exchange (ZSE), pension and investment fund associations, banking associations, and the CFA Association Croatia. The project began with a detailed review of the Croatian capital market from its inception, and then assessed the current state, identified key obstacles, and prepared a comparative analysis with comparable global markets.

The Czech capital market has emerged as a global standout in the first half of 2025, driven by robust performance on the Prague Stock Exchange, attractive dividend yields, and notable corporate activity including IPOs and bond issuances. In the first half of 2025, the PX-TR index, which includes dividends, surged by 27%, positioning the Prague Stock Exchange as the best-performing stock market worldwide. The Czech equity market continues to attract income-focused investors, offering a dividend yield of 6.36% – the highest among OECD countries. IPO’s and Corporate Bonds have also achieved massive successes. Starting with the company M2C, who successfully launched an IPO on the START market by issuing 800,000 shares, priced at CZK 280 each, and achieving a market valuation in the region of CZK 1.1 billion. Meanwhile, CSG, led by Michal Strnad is in the process of considering an initial public offering (IPO) on the Amsterdam Stock Exchange, with a potential dual listing in Prague. With this IPO the company is targeting a valuation of up to EUR 30 billion (approx. CZK 735 billion), which would make it more valuable than ČEZ, currently valued at approx. CZK 670 million.

Trading Boom in Czechia Prague Stock Exchange Surges to Become Best-Performing Market worldwide

Czech Republic

Following the Capital Market Issuers’ Forum, hosted by KELER, in November 2024, significant changes have occurred in corporate action-related developments within Hungary. Based on the event’s goals, KELER has established three working groups focusing on a Golden Source of corporate actions notifications, electronic voting, and the development of KELER’s CAPS platform. The initial meetings of the electronic voting working group have already taken place, with a primary focus on replacing physical presence and documentation with electronic alternatives. Participants agreed that a phased, hybrid solution – compatible with European standards – is the most likely first step. Further details will be discussed in upcoming meetings, with the next one scheduled within September. The Golden Source working group also held its inaugural meeting in June 2025, with seven members, including UniCredit Bank Hungary’s GSS. This group’s main objective is to create a central database where issuers can upload details of CA announcements. This will simplify the process for both issuers and custodians. During the first meeting, the Budapest Stock Exchange (BSE) presented its concept for transforming the publication of CA announcements. The participants then discussed the feasibility of these proposals and defined specific areas of focus. These developments signal the start of a long-awaited modernization of corporate events in the Hungarian market. We are confident that the upcoming changes will benefit all market participants.

KELER’s Shifting Ambitions from Physical to Online How Hungarian KELER plans to shift to Online Operations with Temporary Hybrid Processes as a first step

Hungary

The credit rating agency, Fitch, has affirmed the Republic of Serbia’s credit rating at ‘BB+’ and maintained a positive outlook for a potential upgrade. This decision reflects positive developments in Serbia’s macroeconomic policy, including prudent fiscal management, strengthening of foreign exchange reserves, and growth in GDP per capita, which is higher compared to countries with the same credit rating. The positive outlook also reflects investment-driven economic growth, supported by the EUR 17.8 billion “Leap into the Future – Serbia Expo 2027” program, a further reduction of public debt, the strengthening of its external position, and effective management amid heightened inflationary pressures. The report also notes that projects related to Expo 2027 are largely on schedule, and public and private investments are expected to accelerate economic growth in the coming years – with projected growth of 3.7% in 2026 and 4.2% in 2027. Fitch expects Serbia’s fiscal deficit to rise to 3% of GDP in 2025, with a gradual decrease in the following years. Public sector debt is projected to decline from 47.5% of GDP in 2024 to 46.1% in 2027, which is below the average debt level of countries rated ‘BB’ and ‘BBB’. Regarding inflation, the agency expects it to remain within the target range set by the National Bank of Serbia – with an average rate of 4.3% in 2025 and a gradual slowdown in the coming period.

Fitch Affirms Republic of Serbia’s Credit Rating at ‘BB+’ with Positive Outlook for Further Upgrade Serbia Stands Out Among Similarly Ranked Countries

Serbia

On 25 November 2021, the European Commission adopted a legislative proposal which aims at “establishing a European Single Access Point providing centralized access to publicly available information of relevance to financial services, capital markets and sustainability”. The European Single Access Point (ESAP) offers a single access point for EU companies and EU investment products. The ESAP will be operated by the European Securities and Markets Authority (ESMA) and is intended to provide easy and centralized access to information on entities and their products that is disclosed in accordance with existing requirements and which relates to financial services, capital markets, sustainability and diversity, but not to information on marketing. The ESAP should not create any new disclosure requirements in terms of content but rather build on existing disclosure requirements. For the purpose of implementing the ESAP, Act No. 187/2025 Coll. was adopted, amending Act No. 566/2001 Coll. on securities and investment services, transposing Directive (EU) 2023/2864 and implementing certain provisions of Regulation (EU) 2023/2859, as amended, and Regulation (EU) 2023/2869 to achieve the proper and effective functioning of the European Single Access Point (ESAP). The disclosure of information in the ESAP is divided into several phases between 2026 and 2030.

European Single Access Point (ESAP) Implementation Slovakia’s 5-year Plan to Implement ESAP by the End of the Decade

Slovakia

Slovenia

Eight Stock Exchanges from the CEE Region Advance Plans to Merge into a Single Regional Exchange. Zagreb Aims to Become the Headquarters of the Regional Stock Exchange

Regulation (EU) no. 2020/852 of the European Parliament and of the Council of 18 June 2020 establishing a framework to promote sustainable investment,

Regulation (EU) no. 909/2014 of the European Parliament and of the Council of 23 July 2014 on improving the regulation of securities settlements in the European Union and on central depository companies, and

The main change created by the amended Act that is relevant to inter-national clients, is the definition of a financial instrument for the purpose of defining investment services and transactions, whereby financial instru-ments also include financial instruments issued using distributed ledger technology, as specified in Regulation 2022/858/EU (DLT Pilot regime). This change in the definition of a financial instrument establishes a legal framework for the potential issue of financial instruments issued based on distributed ledger technology in the Slovenian market. Established by the preliminary discussion with the local CSD, no issuers have currently announced any plans to issue securities based on DLT. The CSD will announce to its members all the relevant details on such instruments (identification, classification, any other relevant information) in due time, in case any of the issuers announces plans to issue securities issued based on DLT.

Regulation (EU) no. 2020/852 of the European Parliament and of the Council of 18 June 2020 on the establishment of a framework to promote sustainable investments.

INTRODUCTION

NAVIGATOR ARTICLE

NEWS

BULGARIA

AUSTRIA

CZECH REPUBLIC

CROATIA

HUNGARY

ROMANIA

SERBIA

SLOVENIA

SLOVAKIA

UniCredit

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Accessibility

Adding to this, our continued focus on aligning technology strategies with those of our clients is delivering tangible results. We’re proud to see the first positive outcomes from our API and MQ messaging solutions, enabling enriched data exchange with partners. We look forward to continuing these dialogues and sharing the benefits with many other clients, compounding value for the entire community. In the spirit of this momentum, I’m proud to again share insights from our GSS markets, showcasing the diversity of our CEE region and the expertise of our people across the entities. They are a true testament to the success of our business, and I share in their motivation to keep excelling – providing all of you with unparalleled service excellence.

the continual strengthening of the external position as a result of inflows based on foreign direct investments, as well as the continuation of the downward trajectory of the share of public debt in the gross domestic product, despite higher state capital expenditures

At the prestigious Euromoney Awards for Excellence ceremony in London, UniCredit Bank received two major recognitions: These awards confirm the Bank’s strong business performance, as well as its firm commitment to the community, sustainable growth, and responsible business practices. Amina Mahmutović, CEO of UniCredit Bank, emphasized that the awards are the result of the team’s dedication, clients’ trust, and partners’ support: “Being recognized once again as the best bank is a great honour and a responsibility for all of us at UniCredit Bank. This recognition reflects our dedication, hard work, and contribution to the community we serve. We are especially proud of the award for our ESG activities, as it confirms that sustainability, responsible operations, and social impact are not only part of our strategy, but the very foundation of our identity.” UniCredit Bank continues to invest in innovation, sustainable practices, and initiatives that contribute to a safer and better future, further strengthening its leadership position in the BiH market.

Excellence Continued UniCredit Bank Once Again Named the Best Bank in BiH and ESG Leader

Bosnia Herzegovina

The Oesterreichische Nationalbank (OeNB) and the Austrian Financial Market Authority (FMA) have approved the first step towards requiring certain financial endeavours in Austria to use ethical hackers to conduct simulated cyberattacks. The OeNB and FMA’s action further strengthens the stability of the financial market under an increasingly digitalized and interconnected environment. An important requirement of the Digital Operational Resilience Act (DORA) is being implemented by the OeNB and FMA through the release of the updated TIBER-AT Implementation Guide. TIBER, which stands for “Threat Intelligence-Based Ethical Red Teaming,” is a framework created by the European System of Central Banks (ESCB) to prevent cyber risks. “Ethical hackers” mimic online assaults on the IT infrastructure of financial institutions. The implementation of DORA and the Regulatory Technical Standards on Threat-Led Penetration Testing (TLPT) by the European Supervisory Authorities will make it mandatory for systemically relevant financial undertakings that offer central financial services, to conduct simulated cyberattacks on a three-year cycle. By simulating actual cyberattacks under carefully monitored circumstances, they hope to find weaknesses in the vital IT systems used by financial institutions. The European TIBER framework (TIBER-EU) was implemented in Austria in November 2023 in a pilot phase. A few financial institutions were already able to gain valuable experience by participating on a voluntary basis in a TIBER-AT test, and to strengthen their cyber resilience. Due to the new regulatory requirements under DORA, both the TIBER-EU Framework as well as the TIBER-AT Implementation Guide were updated. The OeNB’s TIBER Cyber Team Austria (TCT-AT) will closely accompany the cyber resilience tests to ensure that they are conducted in a consistent manner and in line with the rules. Following the conclusion of the test, there will be an official certification process conducted by the FMA or the European Central Bank (ECB), that will confirm that the test meets the legal requirements.

First year: up to EUR 20,000; Subsequent years: up to EUR 5,000 per year; Total deposit amount: up to EUR 150,000 over the entire period of the account.

The main feature of this account is the ability of the investors to buy or sell financial instruments without creating tax liabilities. The investor's tax liability will be determined only at the liquidation/withdrawal of assets on the individual investment account and payment to the cash account of the investor. A very similar concept in terms of content when switching between sub-funds of the same umbrella fund already exisits in Slovenian legislation. This kind of tax treatment allows investors greater flexibility in decision-making while maintaining the same purpose and benefits. The individual investment accounts are intended for retail investors who are tax residents of Slovenia, and each investor will be able to open only one such account. The proposed deposit limits are as follows:

Within the scope of a project led by the EBRD, a Memorandum of Cooperation was signed in November 2024, with which, initially, seven stock exchanges officially confirmed their efforts to work together on the development of regional capital markets. Key areas of these efforts include expanding primary markets, strengthening the institutional framework for long-term household savings, promoting retail investor participation, fostering the development of new technologies, increasing the efficiency of the regional capital market infrastructure, and sharing best practices. The purpose of this integration is to cooperate in connecting infrastructures, find additional opportunities for capital market developments, and simplify and integrate cross-border business processes for market participants, with each stock exchange acting as an equal partner. At a later stage, North Macedonia joined this project, and, with this addition, the following eight stock exchanges are now included: Bulgaria, Croatia, Hungary, Poland, Romania, Slovenia, Slovakia, N. Macedonia. For the next phase, the stock exchanges have agreed in principle on a legal form of cooperation, which aims at establishing a new company to run the regional exchange with its headquarters to be based in Zagreb. Political support for this project is planned by the signing of a memorandum between the finance ministers of all involved markets.

Bosnia Herzegovina

INTRODUCTION

HIGHTLIGHTS

NAVIGATOR ARTICLE

NEWS

Slovenia

Understanding mental health is essential to preserving it. It’s not about perfection, but about maintaining a positive outlook, self-awareness, self-esteem, and the ability to manage challenges with optimism. Good mental health empowers us to adapt, learn, and grow through everyday experiences, relationships, and change. Zaba emphasized this by offering free psychological counselling and by encouraging employees to take part in resilience training and mental health talks – reminding everyone that it’s okay to seek help before small worries become big problems. Furthermore, the activities continued with lectures for women employees to give them support during the period of perimenopause and menopause. The lectures were given by accomplished psychologists who were open to all kind of questions and advice for our women colleagues. Lectures were also organized for parents of teens. Parenting teens can feel like an impossible mission. To help navigate this challenging period, Zaba introduced the TEENspiration lecture series – a set of online talks from February to May focused on strengthening parent-child relationships.

Zaba remains committed to supporting arts, culture, education, and sports as essential parts of community development. Through partnerships and sponsorships, Zaba ensures broader access to cultural experiences and supports initiatives that foster inclusion, sustainability, and positive social change. Sports and physical activities are also strongly supported as key drivers of physical and mental health, especially among younger generations. In times of crisis, Zaba also uses its infrastructure and expertise to support communities – standing by its promise to be a reliable partner not just in finance, but in life. Well-being Focus Week was more than a series of events – it was a reminder that well-being is a continuous journey. One that begins with self-awareness, grows with shared support, and blossoms when we take care of our body, mind, and each other. Here’s to a healthier, happier, and more balanced Zaba!

On August 8, 2025, the Board of Directors of the National Bank of Romania (NBR) maintained the monetary policy interest rate at the level of 6.5% per annum and warned: “The annual inflation rate will have a large jump in the third quarter of the year”. According to a NBR Press Release, from August 8, 2025, there are several reasons for this: on July 1st the electricity price cap scheme expired, and on August 1st the VAT rates were increased to 11% and 21%, as well as excise duties. The next meeting of the NBR Board of Directors dedicated to monetary policy will take place on October 8, 2025. A sharp drop in inflation is expected from the third quarter of next year (2026), according to the Central Bank. On June 19, MSCI, one of the largest global index providers, has recognized Romania’s capital market as an Advanced Frontier Market – a milestone in Romania’s path towards Emerging Market status. MSCI This recognition underlines the high level of accessibility of the market for international investors, including Romania’s financial infrastructure, and its international economic integration. Romania’s capital market will thus be part of a group of 5 capital markets classified by MSCI as Advanced Frontier Markets, alongside Slovenia, Estonia, Lithuania and Latvia. Romanian companies’ shares are expected to hold the largest weight in the new MSCI Advanced Frontier Markets indices. Currently, in the MSCI indices, Romania is present with 35 listed companies. Additionally, global index provider FTSE Russell classifies Romania as an Emerging Market and is represented in the indices by 14 companies, of which 9 companies are included in FTSE Global All Cap. The Advanced Frontier Market subcategory was introduced this year by MSCI. This new classification recognizes the high level of accessibility for international investors for certain markets which were previously classified as Frontier Markets. As mentioned in MSCI’s introduction to this new subcategory, these markets are similar in terms of accessibility to developed markets but are currently classified as frontier markets due to their liquidity or size being below the thresholds required for a higher category. MSCI’s decision to classify the Romanian capital market as an Advanced Frontier Market followed its 2025 Global Market Accessibility Review, conducted this month. The related announcement is available at this LINK – under Art. 3.3.1. – as announced by the Bucharest Stock Exchange Press Release from June 25th, 2025.

Financial Outlook for the Upcoming Year MSCI Classifies Romania as Advanced Frontier Market

Romania

The proposed tax rates are as follows:

Withdrawals from the account will be subject to a 15% tax; The first withdrawal after 15 years from the date of account opening will be tax-free if there are no withdrawals in the interim period.

The goal of the Ministry of Finance is to adopt the legislation in the first quarter of 2025, followed by a transition period for financial service providers to implement the required measures for supporting services related to individual investment accounts. It is expected that investors will have the option to start opening individual investment accounts in early 2026.

Head of Group Correspondent Banking

Author

Massimo Ortino

Regional integration and positioning of Croatia as a financial center Digitalization Improvement of corporate governance Increasing market liquidity Development of new investment products and financing opportunities

Hungary

Topics were as follows: Self-image and Building Confidence – Understanding how teens perceive themselves and how parents can help them develop a positive and realistic self-image. The Role of Parents in Learning – Exploring how parents can support their children’s education in a constructive way and collaborate effectively with schools. Developing a Healthy Online Presence – Addressing the darker sides of the internet and social media, and how parents can help their children navigate the digital world safely and confidently. Building Psychological Resilience After Failure – Teaching both parents and teens how to recover from setbacks and build inner strength. All three speakers are accomplished psychologists, professors, and authors with decades of experience in education and child development. Community support is a large part of the Well-being Focus period at Zaba, a key aspect of that is multiple volunteer activities the bank has organized which also encourage the development of togetherness and collegiality for Zaba employees. Volunteer activities are also organized often, all year long and all employees can find their niche and area of interest. Finally, Zaba proudly supports UNICEF’s “Supportive Schools” program, which equips teachers and school staff with the tools to promote mental health among students. Through workshops, children and adolescents learn how to manage stress, cope with emotions, and build resilience. As part of this initiative, Zaba will include a UNICEF donation flyer with client statements in May, inviting all clients to support this important cause.

T+1 settlement in the Slovenian market Slovenian market stakeholders started with activities for the transition to the T+1 cycle for securities settlement in Slovenia.

Best Bank in Bosnia and Herzegovina Best Bank for ESG in Bosnia and Herzegovina

Understanding mental health is essential to preserving it. It’s not about perfection, but about maintaining a positive outlook, self-awareness, self-esteem, and the ability to manage challenges with optimism. Good mental health empowers us to adapt, learn, and grow through everyday experiences, relationships, and change. Zaba emphasized this by offering free psychological counselling and by encouraging employees to take part in resilience training and mental health talks – reminding everyone that it’s okay to seek help before small worries become big problems. Furthermore, the activities continued with lectures for women employees to give them support during the period of perimenopause and menopause. The lectures were given by accomplished psychologists who were open to all kind of questions and advice for our women colleagues. Lectures were also organised for parents of teens. Parenting teens can feel like an impossible mission. To help navigate this challenging period, Zaba introduced the TEENspiration lecture series – a set of online talks from February to May focused on strengthening parent-child relationships.

For Zaba’s team, well-being goes far beyond physical health. It means:

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