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    Archived pages: 1113 . Archive date: 2014-09.

  • Title: www.hbor.hr
    Descriptive info: /.. Osiguranje činidbenih bankarskih garancija.. OSIGURANJE ČINIDBENIH BANKARSKIH GARANCIJA.. Izvoznici se često susreću s potrebom izdavanja garancija prvoklasnih banaka u korist svojih inozemnih kupaca kao uvjetom za zaključenje izvoznih ugovora ili osiguranje izvršenja svojih ugovornih obveza.. Na taj način izlažu se riziku poziva za plaćanje po garanciji, neovisno o izvršenju svojih ugovornih obveza.. Također, izloženi su i raznim političkim rizicima koji ih mogu spriječiti u izvršenju ugovora te prouzročiti naplatu po garancijama.. S druge strane, često su u situaciji kada ne mogu zaključivati nove izvozne ugovore budući su im limiti zaduženja kod banaka ograničeni vrijednošću instrumenata osiguranja, te samim time nedostatni za dodatna zaduženja, odnosno izdavanje garancija.. Program osiguranja činidbenih bankarskih garancija izdanih  ...   osnovanog poziva na plaćanje zbog neizvršenja izvoznikovih obveza po izvoznom ugovoru ili nadmetanju iz razloga isključive odgovornosti izvoznika.. SHEMA OSIGURANJA.. Izvoznik zaključuje izvozni ugovor s kupcem,.. Banka po nalogu izvoznika izdaje garanciju u korist kupca,.. Banka i izvoznik s HBOR-om zaključuju ugovor o osiguranju,.. Kupac se naplaćuje po garanciji,.. HBOR banci isplaćuje odštetu u roku od najviše 120 dana,.. U slučaju rizika osnovanog poziva, HBOR se regresno naplaćuje od izvoznika,.. U slučaju rizika neosnovanog poziva HBOR se regresno naplaćuje od kupca ili trećih osoba.. Ispis.. Najčešća pitanja.. Podrška izvozu - brošura.. Kontakti u Osiguranju izvoza.. Novosti u osiguranju izvoza.. Program osiguranja činidbenih bankarskih garancija.. Zahtjev za osiguranje činidbenih bankarskih garanacija.. Opći uvjeti osiguranja OU-OG-01-11..

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  • Title: www.hbor.hr
    Descriptive info: Izvozne bankarske garancije.. IZVOZNE BANKARSKE GARANCIJE.. Program izdavanja činidbenih bankarskih garancija po nalogu izvoznika.. Cjeloviti tekst programa možete preuzeti.. 1.. Korisnik bankarske garancije.. Pravna osoba u inozemstvu koja raspisuje međunarodno nadmetanje i/ili namjerava zaključiti (ili je već zaključila) ugovor o kupoprodaji hrvatskih roba, radova ili usluga.. U slučaju da se činidbena bankarska garancija (dalje u tekstu: bankarska garancija) izdaje u suradnji s izvoznikovom poslovnom bankom, korisnik garancije može biti i poslovna banka.. 2.. Namjena.. Poticanje izvoza roba, radova i usluga hrvatskog porijekla na način da se izvozniku, samostalno ili u suradnji s poslovnom bankom izvoznika, izdavanjem bankarske garancije omogući sudjelovanje na međunarodnim nadmetanjima i zaključivanje ugovora.. Način izdavanja garancije.. HBOR samostalno izdaje garancije po nalogu izvoznika,.. HBOR dijeli rizika izdavanja garancije u određenom omjeru s poslovnom bankom na način da banka izdaje garanciju, a HBOR banci izdaje kontragaranciju,.. HBOR i poslovna banka izdaju zasebne garancije,.. HBOR kao glavni izdavatelj garancije dijeli rizik s drugom poslovnom bankom koja HBOR-u izdaje kontragaranciju.. 3.. Podnositelj zahtjeva.. Pravna osoba sa sjedištem u Republici Hrvatskoj koja se namjerava natjecati na međunarodnom natječaju, sukladno uvjetima koje propisuje korisnik bankarske garancije, odnosno koja namjerava zaključiti ili je već zaključila ugovor u cilju realizacije izvoza roba, radova ili usluga.. Vrste bankarskih garancija.. Ponudbena bankarska garancija.. HBOR može izdati Izvozniku ponudbenu bankarsku garanciju za sudjelovanje na međunarodnim javnim nadmetanjima (Tender Garantee ili Bid Bond/Guarantee).. Navedena garancija uobičajeno glasi na iznos do 10% ponudbene vrijednosti i jamči ozbiljnost izvoznikove ponude.. Garancija za dobro izvršenje posla.. U  ...   u garantnom roku (Warranty Period Guarantee/Bond).. Navedena garancija uobičajeno glasi na iznos do 10% vrijednosti izvoznog ugovora.. 5.. Valuta.. Bankarska garancija se izdaje u valuti izvoznog ugovora.. 6.. Uvjeti za izdavanje bankarske garancije.. Izvoznik posluje najmanje godinu dana,.. Izvoznik koji podnosi zahtjev za izdavanje bankarske garancije nije neprekidno blokiran više od 30 dana u posljednjih 6 mjeseci poslovanja, nije u stečaju niti mu isti prijeti, protiv njega nije pokrenut niti mu prijeti ikakav postupak (sudski, ovršni, kazneni, likvidacijski, itd.. ).. 7.. Naknade.. Naknada za obradu zahtjeva za odobrenje izdavanja bankarske garancije i naknada za izdavanje bankarske garancije ovisi o kategoriji rizika izvoznika:.. Kategorija rizika izvoznika.. Naknada za obradu zahtjeva.. Naknada za izdavanje bankarske garancije.. 0,20%.. 0,25%.. 0,30%.. 0,35%.. 0,40%.. za odobrenje izdavanja bankarske garancije Jednokratno od odobrenog iznosa izdane bankarske garancije, a najmanje 500,00 kuna.. Naknada se obračunava i naplaćuje prije izdavanja bankarske garancije.. Naknada za izdavanje bankarske.. garancije obračunava se i plaća kvartalno, unaprijed, a najmanje 500,00 kn.. Kada se garancija izdaje u suradnji s poslovnom bankom izvoznika HBOR i banka za svaki posao dogovaraju visinu naknade.. 8.. Osiguranje.. HBOR prihvaća:.. mjenice i zadužnice,.. zalog ili fiducijarni prijenos vlasništva na imovini uz policu osiguranja imovine vinkuliranu u korist HBOR-a,.. druge uobičajene instrumente osiguranja u bankarskom poslovanju.. Detaljnije informacije možete naći u cjelovitom tekstu programa ili na:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. telefon: 01 / 4591 524, 01 / 4591 781, 01 / 4591 683.. e-mail:.. izvoz@hbor.. hr.. Cjeloviti tekst programa.. Dokumentacija za izdavanje činidbenih garancija..

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  • Title: www.hbor.hr
    Descriptive info: Search.. Home.. About HBOR.. Contact.. Lending.. Export Promotion.. Tourism.. Agriculture.. Economy.. SMEs.. Environmental Protection.. Infrastructure.. Innovations.. Financial Restructuring.. Working Capital.. EU Funds.. Contribution.. Export Credit Insurance.. Programmes.. International Regulations.. Classification of Countries.. Short-term credit insurance.. Croatian Credit Insurance J.. S.. C.. Trade Finance.. Guarantees.. Documentary Letters of Credit.. Economic Co-operation Funds (ECFs).. Contacts.. English.. Hrvatska banka za obnovu i razvitak is the development and export bank of the Republic of Croatia with the main task of promoting the development of the Croatian economy.. By extending loans, insuring export transactions against political and commercial risks, issuing guarantees and providing business advice, HBOR builds bridges between entrepreneurial ideas and their accomplishment with the objective of enhancing the competitiveness of the Croatian economy.. News and Announcements.. HBOR PUBLISHED ITS SEMI-ANNUAL REPORT.. Zagreb, 29th August 2014 – Hrvatska banka za obnovu i razvitak published today its semi-annual financial statements for 2014.. In the reporting period, total income amounted to HRK 472.. 4 million, expenses to HRK 377.. 7 million and profit to HRK 94.. 7 million.. HBOR and EIF signed the CIP Guarantee Agreement.. From autumn onwards easier access to loans for micro-entrepreneurs.. Zagreb, 7th August 2014 – European Investment Fund (EIF) and Hrvatska banka za obnovu i razvitak (HBOR) signed the Guarantee Agreement under the Competitiveness and Innovation Framework Programme (CIP) with the goal to encourage commercial banks to extend loans to micro-entrepreneurs, especially start-ups.. The Agreement has been signed by Mr Vladimir Kristijan, the President of the Managing Board of HBOR, Martina Jus, the Member of the Managing Board of HBOR and Pier Luigi Gilibert, Chief Executive of EIF.. With the support of HBOR, Croatian entrepreneurs are building a holiday resort worth EUR 88.. 3 million in Russia.. Zagreb, 13 June 2014 – A EUR 75 million Credit Agreement was signed on HBOR’s premises by HBOR and “DNP BORISOV GORODOK” today for the purpose of financing the project of constructing a holiday resort with related infrastructure in Russia, the implementation of which includes some fifty Croatian companies under the leadership of the company Acquamarin.. The Agreement was signed by the Members of the Managing Board of HBOR, Ms Martina Jus and Mr Mladen Kober, and by the investor, Mr Armenak Safarov, the owner of the company “DNP BORISOV GORODOK”.. The signing ceremony was attended by Mr Robert Tomić, Member of the Managing Board of Acquamarin d.. VLADIMIR KRISTIJAN APPOINTED PRESIDENT AND MARTINA JUS MEMBER OF THE MANAGING BOARD OF HBOR.. Zagreb, 30 May 2014 – At today’s meeting, the Supervisory Board of Hrvatska banka za obnovu i razvitak accepted the proposal of the Government of the Republic of Croatia to appoint Mr Vladimir Kristijan President of the Managing Board of HBOR and Ms Martina Jus Member of the Managing Board of HBOR.. EIB Lends EUR 800 Million to HBOR for Promotion of SMEs and Innovation.. Zagreb, 24 March 2014 – Mr Dario Scannapieco, Vice-President of the European Investment Bank, and Mr Anton Kovačev, President of the Managing Board of the Croatian Bank for Reconstruction and Development, signed EUR 400 million Finance Contract as the first tranche of the loan today.. The signing ceremony was attended by Mr Slavko Linić, Minister of Finance.. Stable Operations and Maintained Portfolio Quality in 2013.. Zagreb, 12 March 2014 – Anton Kovačev, President of the Managing Board of Hrvatska banka za obnovu i razvitak, presented the achievements of HBOR in 2013 and announced the continuation of good cooperation with special financial institutions in 2014.. New Chairman of the Prague Club visited HBOR.. The Prague Club develops as a venue for discussion on strategically important issues for export credit insurance industry.. Memorandum of Understanding signed by HBOR and Banca UBAE S.. MoU establishes a framework for future co-operation for the purpose of promoting the development of commercial, industrial and economic relations between the Republic of Croatia and the countries of the North Africa, the Near East and the Indian Subcontinent.. EIB: HBOR Remains our Key Co-operation Partner in Croatia.. New Finance Contract Signed by HBOR and EIB.. Zagreb, 20 January 2014 – The European Investment Bank (EIB) and the Croatian Bank for Reconstruction and Development (HBOR) entered into EUR 25 Million Finance Contract.. The Contract was signed by Mr Dario Scannapieco, Vice-President of the EIB, and Mr Anton Kovačev, President of the Managing Board of HBOR.. HBOR and GARA signed Co-operation agreement on loan programmes.. Varaždin County Guarantee Agency (GARA) shall issue guarantees  ...   by the Ministry of Entrepreneurship and Trade, announced the Minister of Entrepreneurship and Trade Mr Gordan Maras and the President of the Managing Board of HBOR Mr Anton Kovačev at the press conference today.. The European Commission approved exemption for export credit insurance and reinsurance transactions.. On 22 July 2013, the European Commission informed the Republic of Croatia about the approval of HBOR’s request for the issuing of the exemption clause for export credit insurance and reinsurance transactions with respect to risks considered temporarily non-marketable.. This measure is considered to be existing aid in terms of Article 108 of the Treaty on the Functioning of the European Union.. First EIB Loan after Croatia’s EU Accession: EUR 250 Million for Smaller Projects.. Split, 12 July 2013 – The European Investment Bank (EIB) approved a EUR 250 million loan to the Croatian Bank for Reconstruction and Development (HBOR) for the financing of projects promoted by small and medium-sized enterprises (SMEs) and mid-cap companies, small and medium-sized infrastructure projects in the public sector as well as limited size investment projects in the industry sector in the area of knowledge economy, energy, environmental protection, health and education.. HBOR Signed a EUR 90 Million Framework Loan Agreement with the Council of.. Europe Development Bank.. The loan is intended for the financing of projects in the SME sector and the public sector of the Republic of Croatia.. Zagreb, 8 July 2013 – The Council of Europe Development Bank (CEB) approved a EUR 90 million Framework Loan Agreement to Hrvatska banka za obnovu i razvitak (HBOR).. The Agreement was signed today by Mr Rolf Wenzel, Governor of the CEB, and Mr Anton Kovačev, President of HBOR's Managing Board.. Mr Slavko Linić, Minister of Finance of the Republic of Croatia, attended the signing ceremony.. Mobilisation of European long-term investors to foster EU growth.. HBOR among the founders of ELTI.. Paris, 5 July 2013 - The Presidents and top officials of 16 European long-term financial institutions, meeting in Paris today, have launched the European Association of Long-Term Investors (ELTI), joining forces to foster more sustainable, smart and inclusive European growth, notably for the youth.. HBOR approved HRK 0.. 5 billion for investments in tourism in the first five months.. Zagreb, 12 June 2013 – “A Thousand Swimming Pools for Croatian Tourism”, a programme implemented by the Ministry of Tourism in cooperation with the Ministry of Entrepreneurship and Crafts, was presented at the conference.. Changes to the loan programmes implemented by Hrvatska banka za obnovu i razvitak (HBOR) that relate to the tourism industry as well as possibilities of using structural funds for the financing of SMEs in tourism in 2013 were also presented.. Launch of Green Office Activities at HBOR.. Zagreb, 22-24 May – Five Green Office motivation workshops took place on the premises of Hrvatska banka za obnovu i razvitak (HBOR).. The employees of HBOR and Hrvatsko kreditno osiguranje (HKO) showed great interest in education on promoting energy efficient behaviour not only in offices but also in their own homes.. The Green Office workshops are part of the House in Order Government programme that HBOR joined by signing the Letter of Intent with the UNDP at the end of 2011.. Additional support for encouraging investment from the United States.. U.. Ambassador to Zagreb hopes to strengthen U.. investment in Croatia.. Zagreb, 3rd April 2013 – Yesterday, Anton Kovačev, President of the Managing Board of HBOR held a meeting with the U.. Ambassador to Croatia, Mr Kenneth Merten and Mr Thomas Johnston, the economic advisor.. Additional Incentive of EUR 500 million for the Development of SMEs in Croatia.. Signing of the contract for the largest loan approved to Hrvatska banka za obnovu i razvitak.. Zagreb, 25th January 2013 – European Investment Bank (EIB) approved a EUR 500 million loan to Hrvatska banka za obnovu i razvitak (HBOR) which represents HBOR’s biggest debit.. The first tranche of the loan, in the amount of EUR 250 million, was signed today by Mr Anton Rop, EIB Vice-President and Mr Anton Kovačev, President of the Managing Board of HBOR, the signing ceremony was attended by Mr Slavko Linić, Minister of Finance.. Temporary Reduction in Interest Rates Charged by HBOR on New Investment Projects in the Period from 1 July 2014 to 31 December 2014.. Contact Us.. FAQ.. Glossary.. HBOR News.. Document library.. Financial statements.. Human Resources.. Back to top.. Croatian Bank for Reconstruction and Development.. All Rights Reserved..

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  • Title: www.hbor.hr
    Descriptive info: Mission, Vision and Values.. Supervisory Board and Managing Board.. Organisation Structure.. Financial Performance.. EU and International Co-operation.. Foreign Exchange Transactions.. Information for Investors.. Corporate Social Responsibility.. Code of Conduct.. Corporate Governance Code of the Croatian Bank for Reconstruction and Development.. Cooperation between EIB and HBOR.. Establishment.. Hrvatska banka za obnovu i razvitak (HBOR) was established on 12th June 1992 by the Act on the Croatian Credit Bank for Reconstruction (Hrvatska kreditna banka za obnovu - HKBO) (NN - official gazette of the Republic of Croatia, No.. 33/92.. , amended NN.. 76/93.. ,.. 108/95.. 08/96.. ).. In December 1995, the Bank was renamed Hrvatska banka za obnovu i razvitak (Croatian Bank for Reconstruction and Development).. In December 2006, the new Act on the Croatian Bank for Reconstruction and Development was passed (.. NN 138/06.. ) and in March 2013, the Act on Changes and Amendments to the Act on Hrvatska banka za obnovu i razvitak (the Official Gazette of the Republic of Croatia, No.. 25/13) came into force.. The change of the Act relates to the number of members of the HBOR Supervisory Board.. Main Role.. Within the Croatian banking system, HBOR plays the role of  ...   of Croatia.. Founder's Capital.. The Founder's capital was prescribed by the Law in the amount of HRK 7 billion, the payment schedule of which is determined by the Government of the Republic of Croatia.. Credit Rating.. HBOR is rated by the following international rating agencies: Moody's Investors Service (Ba1) and Standard Poor's (BB).. Regional Offices.. Regional Office for Slavonia and Baranja.. Regional Office for Dalmatia.. Regional Office for Istria.. Regional Office for Lika.. Regional Office for Primorje and Gorski kotar.. Employees.. 295 employees as of 31 December 2013.. Formation of HBOR Group.. HBOR Group was formed in July 2010 when Hrvatsko kreditno osiguranje d.. started to operate.. Hrvatsko kreditno osiguranje d.. established a company Poslovni info servis d.. , 100% owned by it, which started to operate in December 2010.. Name.. Role within the Group.. % of participation.. Headquarters.. Business activities.. Subsidiary company, direct equity participation.. 100% - HBOR.. Republic of Croatia.. Insurance for company’s foreign and domestic short-term receivables regarding shipments of goods and services.. Poslovni info servis d.. Subsidiary company, indirect equity participation.. 100% - Hrvatsko kreditno osiguranje d.. Providing analysis, credit risk assessment and information on creditworthiness.. Illustration of the Group structure.. Print..

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  • Title: www.hbor.hr
    Descriptive info: Regional Office for Dalmatia.. Regional Office for Istria.. Regional Office for Lika.. Regional Office for Primorje and Gorski kotar.. Regional Office for Slavonia.. Locations of HBOR in Zagreb.. Hrvatska banka za obnovu i razvitak / Croatian Bank for Reconstruction and Development.. Strossmayerov trg 9.. 10000 Zagreb.. Matični broj / Registration number: 3929370.. OIB/PIN: 26702280390.. PDV identifikacijski broj/ VAT Identification Number: HR26702280390.. SWIFT: HKBOHR2X.. IBAN: HR4224930031011111116.. Kontakti:.. Centrala / Phone (switchboard).. tel: +385 1 4591 666.. fax: +385 1 4591 721.. e-mail za upite / General inquiry e-mail:.. hbor@hbor.. Sektor kreditiranja / Credit Division.. Ivanka Maričković Putrić,.. izvršna direktorica / Senior Executive Director.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 534, fax:+385 1 4597 831,.. iputric@hbor.. Hrvoje Galičić,.. direktor / Executive Director.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 728, fax:+385 1 4597 831,.. hgalicic@hbor.. Direkcija kreditiranja velikog gospodarstva / Industry Department.. Nikola Ključariček,.. rukovoditelj / Managing Director.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 537, fax:+385 1 4922 533,.. nkljucaricek@hbor.. Odjel velikog gospodarstva / Industry Unit.. Odjel infrastrukture i zaštite okoliša / Infrastructure and environmental Protection Unit.. Projekt obnovljivih izvora energije / Renewable Energy Resources Project.. Direkcija kreditiranja malog i srednjeg gospodarstva / SME Department.. Jadranka Mršić Hebrang,.. rukovoditeljica / Managing Director.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 746, fax:+385 1 4922 533,.. jmrsic@hbor.. Odjel malog i srednjeg gospodarstva / SME Unit.. Odjel poljoprivrede / Agriculture Unit.. Direkcija izvoza i turizma / Export and Tourism Department.. Mario Perić,.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 536, fax:+385 1  ...   i općih poslova / Legal and General Affairs.. Marko Topić,.. direktor Sektora / Executive Director.. +385 1 4591 584, fax:+385 1 4591 696,.. mtopic@hbor.. Direkcija pravnih poslova / Legal Affairs.. Nenad Kalajdžić,.. +385 1 4591 637, fax:+385 1 4591 696,.. nkalajdzic@hbor.. Direkcija nabave i općih poslova / General Affairs.. Maja Jurić,.. rukovoditeljica Direkcije nabave i općih poslova / Managing Director – general affairs.. Gajeva 33, Zagreb, tel.. +385 1 4591 750, fax:+385 1 4591 696,.. mjuric@hbor.. Sektor analiza / Analysis Division.. Ante Artuković,.. Gajeva 33, Zagreb, tel:+385 1 4591 514, fax:+385 1 4591 510,.. aartukovic@hbor.. Sektor sredstava / Fund Managing Division.. Marijana Kolić,.. direktorica Sektora / Executive Director.. Zelinska 3, Zagreb, tel: +385 1 4591 625, fax +385 1 4597 979,.. mkolic@hbor.. Direkcija riznice / Treasury Department.. Direkcija korespondentnih odnosa / Correspondent Relations Department.. Direkcija financiranja / Funding Department.. Sektor računovodstva / Accounting Division.. Irena Adžić-Jagodić,.. direktorica Sektora / Executive Director.. Zelinska 3, Zagreb, tel:+385 1 4591 684, fax:+385 1 4591 600,.. iadzic-jagodic@hbor.. Sektor informacijskih tehnologija / IT Division.. Marija Božičev,.. Zelinska 3, Zagreb, tel:+385 1 4591 673, fax:+385 1 4597 984,.. mbozicev@hbor.. Kontrola i revizija / Control and Audit.. Marina Zobundžija.. , rukovoditeljica / Managing Director.. Zelinska 3, Zagreb, tel: +385 1 4597 874, fax.. mzobundzija@hbor.. Upravljanje rizicima / Risk Management.. Sanja Gorup Šklebar.. Gajeva 33, Zagreb, tel: +385 1 4591 580, fax.. +385 1 4591 540,.. sgorup@hbor.. Ljudski potencijali / Human Resources.. Petar Mandić,.. Strossmayerov trg 9, Zagreb, tel:+385 1 4591 581, fax:+385 1 4591 583,.. pmandic@hbor..

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  • Title: www.hbor.hr
    Descriptive info: Supplier Credit.. Buyer Credit.. Pre- and Post-Shipment Export Finance.. Support of the Tourism Industry.. Preparation of the Tourist Season.. Tourism - IBRD.. Agriculture and Balanced Development.. Preparation of Agricultural Production.. Large Projects in Agriculture.. Development of the Economy.. New Production.. Shipping.. Female Entrepreneurship.. Youth Entrepreneurship.. Start-Ups.. Small And Medium Entrepreneurship.. Environmental Protection, Energy Efficiency.. Energy Renovation  ...   Manufacturing.. IPARD – Measures 101 and 103.. IPARD - Development of Infrastructure (Measur.. IPARD – Rural Development (Measure 302).. IPA and Structural Instruments Financing.. Contribution to the loan for energy efficiency.. Short-Term Insurance and Reinsurance.. Medium and Long-Term Insurance.. Buyer Credit or Buyer's Bank Credit.. Insurance of Bank Guarantees Issued in Relati.. Pre-Export Financing Insurance.. Export Guarantees..

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  • Title: www.hbor.hr
    Descriptive info: HBOR lending activities.. HBOR's lending activities are implemented primarily through long-term financing of development and export projects of business entities for the purpose of providing efficient financial support to the overall and sustainable development of the Croatian economy.. Loan programmes are implemented either directly or through commercial banks co-operating with HBOR on the basis of the concluded co-operation agreements.. For the purpose of quality support to business entities, HBOR continuously monitors market movements and the needs of business entities, and it extends and changes its loan products accordingly..

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  • Title: www.hbor.hr
    Descriptive info: Export.. As an export bank, HBOR has developed a number of programmes intended for exporters with the objective of enabling their equal competition in the international market.. Through its programmes, HBOR provides support to exporters in all stages of an export transaction, starting from negotiations on an export transaction to the final payment of an export transaction..

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  • Title: www.hbor.hr
    Descriptive info: By investing into tourism industry, HBOR strives to influence the development of small, medium and large hotels and tourism companies through the increase in accommodation capacities, categorisation, level of services, as well as the extension of the tourist season.. According to their purpose, long-term loans are mostly used for fixed assets – purchase, construction or reconstruction of facilities and their equipping, and short-term loans for the preparation of tourist seasons – investments in current assets for the purchase of food, beverages, small inventory and current maintenance..

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  • Title: www.hbor.hr
    Descriptive info: The Bank directed its activities into loan programmes with the objective of promoting and developing agricultural products as a part of basis for the overall economic development of the Republic of Croatia..

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  • Title: www.hbor.hr
    Original link path: /sec1314
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    Archived pages: 1113