Annual report 2025 with the auditor’s opinion
Statements and notes, Moore Stephens opinion; deposits on p. 105, largest depositors on p. 127.
Open PDF(opens in a new tab)ALTA official documents
Here are the bank’s public documents: annual statements from the APR register, audit reports, mandatory public disclosures and the AOD announcement on Univerzal banka. Each one links to its primary source. We keep copies on this site in case the bank removes them from its own. Any document can be opened right here with the Preview button. The documents are in Serbian. We do not summarise or assess them: check figures against the original.
Notes to the 2025 statements (Napomene)
Deposits by client type on p. 94; loans to related parties in note 32, p. 102.
Open PDF(opens in a new tab)Balance sheet (Bilans stanja)
Assets RSD 194.1 bn, customer deposits 154.4 bn, customer loans 75.8 bn, equity 22.3 bn.
Open PDF(opens in a new tab)Income statement (Bilans uspeha)
Net profit RSD 1.37 bn (1.60 bn in 2024).
Open PDF(opens in a new tab)Statement of other comprehensive income
Income and expenses outside profit, APR form.
Open PDF(opens in a new tab)Cash flow statement
Where the bank’s cash came from and went, APR form.
Open PDF(opens in a new tab)Public disclosures for 2025
The bank’s mandatory disclosure: capital and ratios for the year.
Open PDF(opens in a new tab)Public disclosures for H1 2026
The bank’s latest disclosure: capital, LCR, NSFR.
Open PDF(opens in a new tab)Basic data about the bank (Obrazac OP)
Name, address, identifiers and external auditor, one page.
Open PDF(opens in a new tab)Interim report with auditor’s review
Deposits by client type on p. 103.
Open PDF(opens in a new tab)Annual report 2024 with the auditor’s opinion
For comparison with 2025.
Open PDF(opens in a new tab)AOD payout announcement for Univerzal banka
How AOD announced the payout of up to €50,000 in 2014, two pages.
Open PDF(opens in a new tab)