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

  • 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.. CODE OF CONDUCT.. 1.. Introduction.. The Code of Conduct is a collection of ethical norms and behaviour standards that HBOR’s employees are expected to follow in the discharge of their business duties.. The Code of Conduct determines HBOR’s main views on legitimate and ethical conduct in the banking industry, by means of which HBOR’s standards are established.. The foundations of business ethics are rooted in law-abiding behaviour.. Such behaviour includes provision of accurate and transparent information, honest attitude towards competitors, employees and partners as well as focus on social responsibility and sustainable development.. ''If a company does not follow ethical rules, it cannot be responsible; therefore, ethical conduct is a precondition for creating a socially responsible business environment''.. Considerations and knowledge of business ethics help us deal better with ethical dilemmas we face on a daily basis.. In critical situations, a good person can make a bad decision.. Business ethics contributes to business success and supports personal development.. The purpose of the Code of Conduct is:.. to avoid situations in which HBOR’s employees would become involved in activities that are considered unethical behaviour or that result in a conflict of interest when they discharge their duties;.. to define acceptable behaviour for all HBOR’s employees;.. to set high standards for work and action;.. to encourage comparison with the best practice in ethics in the banking industry;.. to ensure a framework for professional conduct and a clear division of responsibility for individual decisions and activities;.. to establish a framework for conduct and standards that the interested parties can expect from HBOR.. The Code of Conduct applies to all HBOR’s employees regardless of their respective levels of responsibility or positions.. Its purpose is to provide guidance on ethical conduct and establish basic values in terms of legitimate and ethical business conduct and behaviour.. 2.. Conduct of Employees.. HBOR wishes to create a positive business environment that enables team work and encourages the spirit of mutual support and co-operation.. Employees must treat each other with decency and respect.. Personal relations shall not be given priority over the interests of business, and solving common business tasks must be given primary attention by all employees.. Relations among employees at different levels of responsibility must be based on the principles of mutual loyalty, respect and secrecy.. Within the framework of their powers, all employees shall act fairly and steadily, respecting the personal dignity of every employee.. HBOR does not approve of the use of the position or powers within the organisation for the purpose of achieving any goals that lie beyond the scope of the duties.. Employees are expected to co-operate with their superiors, act in accordance with operational guidelines received and avoid unprofessional conduct and behaviour.. Employees with special powers shall be responsible for all employees working in organisational units they are in charge of, whose trust they should gain by their own model behaviour, results, open-mindedness and social competence.. Their task is to set clear, ambitious and realistic goals, while employees should have maximum possible responsibility and independence at work.. In performing their duties, they are obliged to abide by the principle of transparent criteria for employee assessment.. Employees with special powers shall meet their organisational and surveillance obligations through:.. obligation to select – obligation to carefully select employees for its organisational unit on the grounds of their personal and professional competencies in accordance with the Procedure of Employment that has been published on the website;.. obligation to direct – obligation to give precise, complete and binding instructions, particularly with regard to the regulations in effect;.. obligation to control – obligation to regularly control the implementation of obligations, the meeting of deadlines and the following of regulations in effect.. At their jobs, employees shall create an atmosphere that corresponds to the above values and shall act as a responsible team with a permanent focus on the improvement of human relations.. Impolite behaviour, harassment and discrimination on the grounds of age, gender, religion, political orientation, ethnic or national origins, language, race, social position, marital or family status, education, disability, sexual orientation or on any other grounds are strictly forbidden by law and represent a severe violation of the dignity of an individual.. When administering their private businesses, HBOR's employees must not use HBOR’s official symbols or powers associated with employment at HBOR.. When making all kinds of public appearances and when representing HBOR or expressing HBOR’s points of view, employees shall act in accordance with regulations in force, powers granted to them, their professional knowledge, provisions of the Code of Conduct and the Instructions on the Manner of Dealing with the Representatives of the Mass Media.. When making a public appearance without representing HBOR on occasions that are thematically related to HBOR’s activities, employees are obliged to stress that they are expressing their own points of view.. When expressing both HBOR’s and personal points of view and when discharging their duties, employees are also obliged to safeguard their own reputation and the reputation of HBOR.. 3.. Obeying Laws and Standards.. In its operations, HBOR applies the following fundamental principles and values:.. legality of operations;.. transparency of operations;.. focus on clients;.. professionalism;.. initiative;.. mutual respect among employees; employees’ respect for clients;.. equality;.. team work;.. integrity.. In its operations, HBOR will endeavour to achieve the highest standards possible in the following manners:.. all HBOR’s employees must comply with primary and secondary legislation as well as HBOR’s standards;.. activities that are not in compliance with laws, regulations  ...   friend of an employee of HBOR or another third party with whom the employee is related, in the relationship from which the employee of HBOR could have benefits.. Employees can perform additional businesses or engagements outside the working hours in HBOR only if their private and business interests are not in conflict with interests of HBOR.. If the employee of HBOR is not sure whether a certain circumstance might cause conflict of interest, he/she should first consult the person responsible for the monitoring of compliance.. 9.. Gifts.. Gifts, business entertainment or similar benefits are often accepted as legitimate and recognised part of business life.. However, problems arise when their value causes a conflict of interest and in this way jeopardise the ethics of a business relation.. Therefore, the general rule is that it is not permitted to employees to accept gifts or other benefits, except those of symbolic value.. Gifts are permitted if:.. their value does not exceed HRK 500; or.. the value of gifts exceeds HRK 500, and such gifts are deemed as customary in the business circumstances in which they were given; or.. they have been approved by the person responsible for the monitoring of compliance.. The employees of HBOR can use the funds intended for business entertainment and accept the usual business entertainment/hospitality pursuant to the circumstances, on the condition that a representative of the host is present and that this is related to the performance of business tasks in HBOR.. In case of doubt related to actions pursuant to the measures stated above, the employee of HBOR shall consult his/her manager to whom he/she is directly responsible or the person responsible for the monitoring of compliance.. The employees of HBOR, regardless of the amount, must not accept cash and cash equivalents.. 10.. Management of HBOR Property.. The employees of HBOR are obliged to manage the property of HBOR with due diligence and pursuant to HBOR’s Rules on Business Conduct and other internal documents.. The employees are responsible for the property of HBOR that they are in charge of and for possible losses that they may cause intentionally or due to gross negligence in their work and related to work.. 11.. Disciplinary procedure.. The employee of HBOR or any other person that may have a reason to believe that this Code might have been violated or that this might happen, shall immediately report this to the person responsible for the monitoring of compliance.. All such reporting will be treated as confidential.. The person responsible for the monitoring of compliance shall consider the reported default and, if on the basis of submitted and collected data he/she concludes that the reported default is justified, he/she shall be obliged to inform the Managing Board of HBOR about it in the shortest term possible.. Since a violation of ethical regulations and behaviour contrary to the standards of this Code represent violation of obligations under the employment contract, the Managing Board shall make a decision on the severity of violation and sanctions for the person or organisational unit the reported default relates to, pursuant to the legal regulations and general documents of HBOR.. The person responsible for the monitoring of compliance shall submit a reply on the course of procedure not more than 30 days from the day when it has been submitted.. 12.. Reporting of Defaults.. The person responsible for the monitoring of compliance shall once a year make a report on submitted reported defaults on the basis of the violation of this Code and on initiated procedures regarding such reported defaults.. The report on submitted reported defaults for the calendar year to which it relates shall be made not later than 31st January next year.. The report shall be submitted to the HBOR bodies in charge.. 13.. Remarks on Guidelines.. HBOR relies on the fact that each employee of HBOR shall judge carefully and reasonably what is good and appropriate in a certain situation.. When in such an action there are difficulties regarding the determination whether a certain action is appropriate, the employee of HBOR has to ask himself/herself the following questions:.. Is the action legal and in compliance with internal procedures of HBOR?.. Does he/she have the feeling that the action is appropriate?.. Can he/she justify it with other employees of HBOR?.. Can he/she justify his/her action if he/she will be asked about it later on?.. Will this action additionally contribute to HBOR’s reputation in terms of institution which considers ethics to be very important?.. If the answer to any of the above questions is negative or if there are questions or doubts regarding the application of interpretation of the Code of Conduct, rules, procedures and standards in force, it is necessary to ask for an advice of the manager to whom he/she is directly responsible or the person responsible for the monitoring of compliance.. No action will be taken against any person who gives information about his/her doubts about the violation of this Code or participates in an investigation relating to the violation of this Code, except in case of providing untrue data or information.. HBOR shall keep the maximum possible level of confidentiality of data.. This Code will be published on Intra and Internet pages of HBOR and on its billboard.. All new employees of HBOR will be made familiar with the contents of this Code.. The completed application form can be sent by post to the address:.. Funkcija praćenja usklađenosti.. Strossmayerov trg 9, 10 000 Zagreb.. or via e-mail:.. pracenje_uskladjenosti@hbor.. hr.. Print.. 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: COOPERATION BETWEEN THE EUROPEAN INVESTMENT BANK WITH HRVATSKA BANKA ZA OBNOVU I RAZVITAK.. The European Investment Bank (hereinafter: EIB) is the financing institution of the European Union which grants long-term funds for investment projects.. The mission of EIB is to help implement the European Union's policy objectives by financing sound business projects.. In addition to promoting projects of the EU member states, EIB also finances investments in future member states and partner countries that contribute to the strengthening of European integration.. HBOR started its co-operation with EIB in 2001.. So far, altogether 12 Finance Contracts have been signed totalling EUR 1.. 79 billion.. By the raised funds, more than 2,100 projects  ...   of EUR 400 million was signed on 24 March 2014.. Of this amount, EUR 250 million is earmarked for the financing of SMEs in the industry, services, tourism and other eligible sectors, whereas the amount of EUR 150 million is intended for the financing of projects promoted by Mid-Cap companies in the industry, services, tourism and other eligible sectors as well as by public and private companies investing in projects in the knowledge economy, infrastructure and environment sectors.. HBOR extends EIB loan funds either directly or in cooperation with commercial banks within the framework of existing loan programmes.. More detailed information can be obtained from your commercial bank or directly from HBOR..

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  • Title: www.hbor.hr
    Descriptive info: Print this page.. 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 a development and export bank established with the objective of financing the reconstruction and development of the Croatian economy.. Main activities of HBOR.. financing the  ...   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.. Last modified:.. 3/5/2014..

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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..

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  • Title: www.hbor.hr
    Descriptive info: Regional Office for Dalmatia.. Split, Matice hrvatske 31.. Mira Krneta.. , Head.. e-mail:.. hbor-split@hbor.. working hours: monday - friday from 8-16.. Phone: +385 21 / 430 732.. Fax: +385 21 / 430 732.. Please arrange your meeting in advance..

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  • Title: www.hbor.hr
    Descriptive info: Regional Office for Istria.. Pula, Mletačka 12.. Cinzia Zubin.. , Head.. hbor-pula@hbor.. Working hours: monday - friday from 8-16.. Phone 1: +385 52 / 219 218.. Phone (switchboard): +385 52 / 381 900.. Fax: +385 52 / 219 217..

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  • Title: www.hbor.hr
    Descriptive info: Regional Office for Lika.. Gospić, Kaniška 4,.. Draženka Draženović Kostelac.. hbor-gospic@hbor.. working hours: monday - friday from 7:30 - 15:30.. Phone 1: +385 53 / 676 313.. Phone (switchboard): +385 53 / 561 532.. Fax: +385 53 / 676 313.. Mob: +385 98 / 983 2847..

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  • Title: www.hbor.hr
    Descriptive info: Locations of HBOR in Zagreb.. Trg J.. J.. Strossmayera 9, Gajeva 33.. Zelinska 3,..

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  • Title: www.hbor.hr
    Descriptive info: Regional Office for Primorje and Gorski kotar.. Regional Office for Slavonia.. 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 4597 831,.. Odjel kratkoročnog financiranja izvoza i turizma / Short-Term  ...   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.. SUPPLIER CREDIT.. Borrower.. exporter of Croatian goods, works or services (hereinafter: the supplier) who has concluded an export contract with a foreign buyer.. Purpose of Loans.. financing exports of Croatian goods and services, except consumer goods pursuant to the rules determined by the OECD Consensus.. Manner of Implementation.. direct lending.. Loan Amount, Disbursement Period and Repayment.. Loan amount.. up to 100% of the export contract value for repayment periods up to two years,.. up to 85% of the export contract value for repayment periods over two years,.. loans are denominated in the export contract currency.. Disbursement period.. pursuant to the terms and conditions of the export contract.. Repayment period.. from 180 days to 10 years depending on the type of goods and/or services exported.. exceptionally up to 15 years for financing hydro and thermoelectric power plants, wind energy projects, geothermal, solar and bio-energy projects, tidal power plant projects, water supply and wastewater projects.. The first instalment shall fall due 1, 3, 6 or 12 months after the loan repayment start date, depending on the  ...   buyer, the export transaction, the importing country and the repayment term.. Variable interest rate.. LIBOR/EURIBOR + margin.. The margin depends on the creditworthiness of the supplier, the buyer, the export transaction, the importing country and the repayment term.. Loan Application Fee.. up to 1%.. one-off, charged on the committed loan amount.. Commitment Fee.. up to 1% p.. a.. charged on the committed undisbursed loan amount.. Security.. policy insuring direct deliveries of goods and services assigned to HBOR.. assignment of accounts receivable under the export contract.. other acceptable security.. Scheme.. The supplier concludes an export contract with the foreign buyer to sell goods, works or services on credit.. Loan funds are disbursed directly to the account of the supplier in the currency of the export contract.. The foreign buyer repays the loan to the supplier, and the supplier to HBOR.. More detailed information ralating to this programme can be obtained at:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. Phone: +385 1 / 45 91 524, +385 1 / 45 91 781, +385 1 / 45 91 683.. E-mail:.. izvoz@hbor..

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  • Title: www.hbor.hr
    Descriptive info: Buyer Credit.. BUYER CREDIT.. Loan Programme for Financing Foreign Buyers / Buyers' Banks.. All terms and conditions under this Programme are in accordance with the Rules of the OECD Consensus.. Goal of the Loan Programme and Purpose of the Loans.. The goal of the Programme is to enable the competitiveness of Croatian exporters in foreign markets (by providing longer repayment terms to foreign buyers), increase the liquidity of Croatian exporters and reduce the risks that Croatian exporters face when participating in international trade.. The purpose of this Programme is financing exports of Croatian goods and services, except consumer goods.. Borrowers.. Eligible borrowers are:.. the commercial bank of a buyer, with whom a legal entity having its headquarters in the Republic of Croatia (an exporter) has concluded an export contract or.. the buyer itself if covered by acceptable collateral.. Manner of Implementation of the Loan Programme and Loan Application Procedure.. HBOR may finance the foreign buyer:.. by co-financing export transactions with other banks, or.. by financing the bank or the buyer abroad on its own.. A loan application is submitted by the exporter, who has obliged itself, in accordance with the requirements of a buyer or the terms and conditions of an international tender, to offer a direct loan to the buyer, the proceeds of which will be used for paying the amounts receivable under the export contract.. An application for a loan to a foreign buyer or its bank, the exporter submits directly to HBOR generally.. before the export contract has been concluded.. Committed loan funds under the Programme shall be disbursed directly to the exporter's foreign currency account after all preconditions contained in the loan contract with the foreign buyer or buyer’s bank have been fulfilled.. The loan shall be repaid by the foreign buyer or its commercial bank.. Loan Amount and Repayment.. The loan may finance up to 100% of the export contract value for repayment periods up to two years, or up to 85% of the export contract value for repayment periods over two years.. In case of repayment periods over two years, the export contract must provide for an.. advance payment.. to be paid in principle prior to the first disbursement of the committed loan,.. and/or an interim payment (cash down payment).. to be entirely effected before the last disbursement of the committed loan in the amount of at least.. 15% of the export contract value.. This amount must be paid by the buyer to the exporter's account, generally before the first disbursement of the committed loan funds.. The amount of the cash payment for loans granted for the construction of ships must be at least 20% of the contracted price.. The.. export contract value.. is the total value of exported goods and services to be paid for by the buyer (excluding local costs and interest).. The amount of.. local costs.. financed from the proceeds of the loan granted by HBOR to the buyer/bank.. must not exceed 30% of the export contract value.. Local costs include expenditure on goods and services in the buyer's country necessary for honouring the export contract.. Loans are denominated in the export contract currency.. Repayment (by type of goods and services exported).. Consumer goods with service life of 1 year or less, including related services – up to 6 months;.. Consumer goods with service life of more than 1 year, including related services – up to 2 years;.. Parts and components, including related services – up to 5 years;.. Quasi-capital goods (Capital goods of lower individual value) , including related services - up to 5 years;.. Capital goods, including related services – up to 10 years.. For financing the construction of hydro and thermal power plants, projects based on wind energy, geothermal, solar and bio energy projects, tide power plants and water supply and sewerage projects – up to 15 years.. date on which the buyer takes physical possession of the goods in the importing country - sale of equipment consisting of individual segments that can be used separately;.. date on which the buyer takes over the entire plant under the export contract - construction of a whole plant (thermoelectric power plants,  ...   agreement conclusion (by an indicative offer, letter of intent or similar document), it cannot be lower than CIRR increased by 0.. 2%.. In this way, the interest rate can be determined for the period no longer than 120 days.. 2) Variable interest rate.. In principle, the variable interest rate is determined on the basis of applicable LIBOR or EURIBOR rate increased by margin, which depends on the creditworthiness of the buyer/bank, on the importing country and on the export transaction.. Fees.. Loan application fee for final borrowers:.. a one-off loan application fee of up to 1% on the committed loan amount.. charged before the first disbursement date.. Commitment fee:.. a commitment fee of up to 1% p.. is charged by HBOR on the undisbursed loan amount, starting from the date of fulfilment of conditions preceding documents under the loan agreement until the end of the loan disbursement period.. Loan Disbursement.. The disbursement period depends on details of an export transaction or project and is determined on the basis of the Loan Contract pursuant to the terms and conditions of an export contract.. Loan funds shall be disbursed directly to the exporter's foreign currency account.. For the purpose of securing due fulfilment of loan obligations under the Loan Programme, HBOR in principle requires an insurance policy against political and commercial risks issued on behalf of the Republic of Croatia, and all other acceptable security.. Miscellaneous.. The provisions of HBOR's Regulations on Basic Terms and Conditions of Financing Individual Target Groups, HBOR’s Decision on General Terms and Conditions of Lending Activities, the General Terms and Conditions of Insurance of HBOR’s Placements, HBOR's Decision on Interest Rates with the Interest Calculation Regulations, the Decision on Fees for HBOR Services with the Fee Calculation Regulations as well as provisions of other HBOR documents and decisions made by HBOR bodies in charge shall apply as appropriate within the framework of this Loan Programme.. Documentation to Support Loan Application.. Borrower (foreign buyer or foreign buyer's bank):.. Profit and Loss Account for the last two business years.. Balance Sheet for the last 2 business years.. Audited financial statements.. Annual report.. Certificate of entry into Court Register.. Data on ownership structure.. List of authorised signatories for representing business entity.. List of authorised signatories for signing payment orders and disposing of the funds deposited in the accounts.. For buyer credit borrowers abroad: questionnaire for legal persons, information about the real owners of the party-applicant for the loan, Table 1 and 2 – Attachment to data on the actual owners of the party-applicant for the loan, the questionnaire for foreign politically exposed persons pursuant to the Act on the Prevention of Money Laundering and Terrorism Financing, Official Gazette of the Republic of Croatia no.. 87/08.. Forms in English are available on HBOR’s website.. www.. hbor.. hr/eng.. Exporter:.. Excerpt from the Court Register (issued not more than 30 days beforehand).. Company incorporation documents (Articles of Incorporation in the case of a limited liability company By-Laws in the case of a shareholding company).. List of authorised signatories for disposing of the funds deposited in the account.. Notification of the classification of the business entity according to NKD (national classification of economic activities).. BON 1 and BON 2/SOL 2 issued not more than 30 days beforehand.. Balance Sheet (for medium-sized and large entrepreneurs) B/POD-V form, and Profit and Loss Account (for medium-sized and large entrepreneurs) RDO/POD-V form; or Annual Financial Statements for large, medium-sized and small entrepreneurs - GFI-POD form (for the last two years).. Notes to the financial statements.. Complete auditor's report (in accordance with legal requirements).. Questionnaire for legal persons, information about the real owners of the party-applicant for the loan, Table 1 and 2 - Attachment to data on the actual owners of the party-applicant for the loan, the questionnaire for foreign politically exposed persons pursuant to the Act on the Prevention of Money Laundering and Terrorism Financing, Official Gazette of the Republic of Croatia no.. Forms are available on HBOR’s website.. HBOR reserves the right to request other documentation as necessary for the processing of a loan application.. Buyer Credit - Russian.. Buyer Credit - French.. Questionnares for Legal Entities..

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