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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.. HBOR: SMEs and Exports – Priorities for 2009.. Zagreb, 19th December 2008.. – This year, the focus of Hrvatska banka za obnovu i razvitak (HBOR) has been on exports and SMEs, which is expected to be continued next year.. This conclusion was made on today’s presentation of the Bank’s results achieved this year.. In support of that statement, HBOR signed two loan contracts this week.. On Tuesday, the Loan Agreement for € 15 million was signed with KfW, the German development bank, for the financing of water supply and wastewater disposal projects, and the Framework Loan Agreement amounting to € 50 million was signed with the Council of Europe Development Bank (CEB) for the financing of SMEs on Wednesday.. € 100 Million Loan Signed by HBOR.. ZAGREB, 28th November 2008 - Hrvatska banka za obnovu i razvitak (HBOR) signed the Club Loan Facility Agreement of € 100 million with a syndicate of banks consisting of Erste Group Bank AG, Austria, Erste Steiermärkische bank d.. , Hypo Alpe-Adria-Bank d.. , Raiffeisenbank Austria d.. , Societe Generale-Splitska banka d.. and Privredna banka Zagreb d.. as the Mandated Lead Arranger.. HBOR in Support of Fellow Citizens.. Zagreb, 20th September 2008 – within the framework of its teamwork, Hrvatska banka za obnovu i razvitak decided to organise a humanitarian activity through an employee gathering also this year.. 7th HBOR International Conference on Export Promotion Took Place in Split.. SPLIT, 5.. th.. September 2008 – In order to enable an exporter to make a successful entry into the international market, in addition to good export strategy, competitive and well designed product as well as good and reliable foreign partner,  ...   banka za obnovu i razvitak, Zagreb has been signed on 2nd June 2008.. The Facility was oversubscribed and increased from the launch amount of EUR125,000,000 to EUR230,000,000.. HBOR’s New Loan Programmes for SAPARD and PHARE 2006 Beneficiaries.. ZAGREB, 4.. March 2008 – Hrvatska banka za obnovu i razvitak (HBOR) launched new loan programmes with the objective of improving efficient use of EU pre-accession funds.. Enhanced Support for the Istrian Economy through HBOR’s Regional Office.. Pula, 5.. February 2008.. The Manager of the Istrian Development Agency (IDA) d.. , Darko Lorencin, and the President of the Croatian Bank for Reconstruction and Development (HBOR), Anton Kovačev, signed in Zagreb on Tuesday, 5.. February 2008, an Office Lease Contract for HBOR’s Regional Office in the County of Istria.. This Contract represents the continuation of the successful co-operation between the two institutions.. HBOR’s Regional Office has been operating at the premises of IDA, in Mletačka Street 12, Pula, since December 2004, where a new employee was hired on 5.. February 2008 with an objective of improving the quality of its services and operations.. HBOR and the Croatian Chamber of Trades and Crafts (HOK) signed Co-operation Agreement.. Kutjevo, 25.. January 2008 - Anton Kovačev.. ,.. President of the Managing Board of the Croatian Bank for Reconstruction and Development (HBOR) and.. Mato Topić.. Chairman of the Croatian Chamber of Trades and Crafts (HOK) signed.. Co-operation Agreement.. in Kutjevo today.. HRVATSKA BANKA ZA OBNOVU I RAZVITAK JOINED THE EUROPEAN ASSOCIATION OF PUBLIC BANKS.. 20.. January 2008.. HBOR became a member of the European Association of Public Banks (EAPB), a renowned association that represents the interests of its members vis-à-vis the legislation of the European Union and the Parliament.. 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: HBOR: HRK 5.. 8 billion for more than 3,700 new jobs in 2007.. ZAGREB, 11th December 2007 – Hrvatska banka za obnovu i razvitak enabled the creation of more than 3,700 new jobs in 2007 by extending 870 loans totalling HRK 5,790,000.. HBOR Signed a EUR 110 Million Credit Agreement.. Zagreb, 6th December 2007 – Hrvatska banka za obnovu i razvitak (HBOR) and a consortium of banks consisting of Bank Austria Creditanstalt AG, Commerzbank Aktiengesellschaft, Dresdner Kleinwort – the investment banking division of Dresdner Bank AG, DZ Bank AG, Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Erste Bank der oesterreichischen Sparkassen AG and Raiffeisen Zentralbank Oesterreich AG (Mandated Lead Arrangers) signed a EUR 110 million Credit Agreement in Vienna on 29th November 2007.. It is with great sorrow that we announce the passing away of Mr.. Krešimir Leko, a distinguished member of the Managing Board of the Croatian Bank for Reconstruction and Development.. Mr.. Leko deceased after a grave illness on 23rd November.. He was a member of the Managing Board since 1996, a great expert and a man of outstanding human qualities..  ...   of 15 years of the bank's operation, a festive meeting of the Supervisory Board was held in Hrvatska banka za obnovu i razvitak that was attended by Dr Ivo Sanader, Croatian Prime Minister.. MEMORANDUM OF UNDERSTANDING BETWEEN HBOR AND UNION DE BANQUES ARABES ET FRANÇAISES.. HBOR creates new opportunities for exporters - co-operation with Arab banks and businessmen.. Zagreb, 3rd April 2007 - Memorandum of Understanding between Hrvatska banka za obnovu i razvitak (HBOR) and Union de Banques Arabes et Françaises (UBAF) from France signed today in Zagreb is a confirmation of good relationship between the two banks and of the interest of Croatian exporters and Arab businessmen in establishing stronger business links.. HBOR – FIRST SHAREHOLDER OF THE EUROPEAN INVESTMENT FUND IN CROATIA.. 28.. 03.. 2007.. The international reputation of HBOR has been confirmed once again by the European Investment Fund, which welcomed Hrvatska banka za obnovu i razvitak amongst its selected shareholders.. EIB's authorised capital amounts to EUR 2 billion.. HBOR has purchased three shares in the European Investment Fund through a sale of shares by the European Investment Bank..

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  • Title: www.hbor.hr
    Descriptive info: The Managing Board of HBOR has appointed new Executive Directors.. Within the implementation of organisational changes introduced by HBOR on 1st January 2006, the Managing Board of HBOR has appointed new Executive Directors.. HBOR Organises a Workshop on the Economic Development of Vukovar and the Surrounding Area.. Zagreb, 15th February 2006 – Encouragement of investments in the economy of Vukovar and Vukovar-Srijem County will be the main topic discussed at the workshop organised by Hrvatska banka za obnovu i razvitak together with the United States Agency for International Development (USAID), the City of Vukovar and the County.. Workshop – Promotion of Investments in the Economy of Vukovar Area.. 02.. 2006.. The significance and importance of this event were confirmed by numerous participants and prominent speakers and experts that discussed advantages and opportunities for investing in the economy of the Vukovar area.. The Agreement on Financing and Modernisation of the Fishing Fleet Signed.. Zagreb, 10th March 2006 – Hrvatska banka za obnovu i razvitak signed the Agreement on Financing and Modernisation of the Fishing Fleet with the Ministry of Agriculture, Forestry and Water Management, the Ministry of the Economy, Labour and Entrepreneurship and the Ministry of the Sea, Tourism, Transport and Development.. Easier Access for Croatian Exporters to the Market of South Korea.. 04.. The Agreements established the framework for cooperation and exchange of information on mutual projects jointly implemented by the Republic of Croatia and the Republic of Korea, primarily through encouraging trade and investments as well as export of goods and services to third countries.. Signed Renewable Energy Resources Project Implementation Agreements.. Zagreb, 17th May 2006 - Today, Mr.. Branko Vukelić, Minister of the Economy, Labour and Entrepreneurship, Mr.. Vinko Mladineo, General Manager of the Environmental Protection and Energy Efficiency Fund and Mr.. Anton Kovačev, President of the Managing Board of HBOR signed the Renewable Energy Resources  ...   for Financing Inventions was presented to entrepreneurs and other guests.. HBOR joined the ISLTC Club (Institutions of the European Union Specialising in Long-Term Credit).. The objective of the Club is to promote and strengthen co-operation in the European Union, develop joint studies and exchange information and ideas on economic policies and entrepreneurship relating to Club member countries for the purpose of encouraging their economies and strengthening their business sectors.. HBOR Launched a EUR 150 Million Bond Issue.. 14.. Hrvatska banka za obnovu i razvitak (HBOR) launched a EUR 150 million bond issue in the foreign market maturing in 10 years with amortising repayment starting from the sixth year.. The issue was organised by Deutsche Bank London with a coupon of 4.. 807% per annum.. HBOR'S 5TH INTERNATIONAL CONFERENCE ON EXPORT PROMOTION – STRONG SUPPORT FOR NEW ECONOMIC IDEAS.. Dubrovnik, 8th September 2006 – HBOR’s 5th International Conference on Export Promotion took place in Dubrovnik, where 140 domestic and international experts and businessmen gathered to discuss export promotion measures and experiences.. Easier Access for Croatian Exporters to the Norwegian Market.. Oslo, 10th October 2006 – Hrvatska banka za obnovu i razvitak gave its contribution to the improvement of economic relations between the Kingdom of Norway and the Republic of Croatia during the visit of the Croatian delegation to Norway by signing Memoranda of Understanding with the Norwegian Guarantee Institute for Export Credits (GIEK) and the Norwegian Export Credit Agency (Eksportfinans).. PAYMENT OF EXPORT TRANSACTIONS WITH MONTENEGRO FACILITATED FOR CROATIAN EXPORTERS.. 10.. Hrvatska banka za obnovu i razvitak concluded the Master Agreement with Komercijalna banka a.. d Budva, which became effective in October 2006.. Stronger support for exporters and SMEs in 2006.. Zagreb, 13th December 2006 – Hrvatska banka za obnovu i razvitak operated successfully and extended HRK 3.. 2 billion in loans to the Croatian economy in the eleven-month period..

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  • Title: www.hbor.hr
    Descriptive info: HBOR Became Croatia’s First Signatory to the United Nations Environment Programme Finance Initiative.. 03.. 01.. 2005.. The Initiative was launched in 1991 by a group of banks that included Deutsche Bank, HSBC Holding, Natwest, Royal Bank for Canada and Westpac.. The Programme is currently being implemented by more than 200 various financial institutions including commercial banks, investment banks, capital funds, development banks and agencies as well as insurance and reinsurance companies.. HBOR: Enhanced Support for Croatian Crafts Businesses and SMEs.. Zagreb, 13th January 2005 – After another successful year, HBOR started the 2005 business year by launching a new loan programme in support of the tourism industry.. The goal of the loan programme is to enable successful preparation of the coming tourism season with the simultaneous support for the Croatian manufacturers since the proceeds of the loan programme are intended exclusively for the procurement of Croatian goods from Croatian suppliers.. Co-operation Agreement Signed by HIZ and HBOR.. 21.. HBOR, a Croatian export promotion bank, and HIZ, a representative body for companies and organisations promoting and representing the interests of Croatian exporters, have agreed to join their efforts with the objective of further improving the Croatian exports.. On behalf of HBOR, the Agreement was signed by Mr.. Anton Kovačev, President of the Managing Board, and Mrs.. Marija Kolarić, Member of the Managing Board, and on behalf of Hrvatski izvoznici by Mr.. Darinko Bago, President of the association.. Both parties have expressed their strong commitment to providing support to Croatian exporters primarily through clear and focused approach to export activities.. Agreement Signed by Environmental Protection Fund and HBOR.. 02.. The Agreement will serve as a basis for the establishment of co-operation between the Fund and HBOR with the objective of promoting investments in environmental protection and sustainable development projects as well as energy efficiency and renewable energy resources projects.. The Agreement regulates areas of operation as well as terms and conditions for providing support.. HBOR will provide expert support and advice for the economic viability assessment and financial monitoring of the above projects, and the Fund will provide expert support for the technical viability assessment, implementation monitoring and results verification.. HBOR opened a regional office in Osijek.. 16.. By opening its regional office in Osijek today, Hrvatska banka za obnovu i razvitak continued to expand regionally, which was announced at the beginning of the year.. After having opened a regional office in Split more than a year ago and a regional office in Pula at the end of the last year, this is the third regional office opened by the Croatian development and export bank.. The office will be in charge of five counties (County of Osijek-Baranja, County of Vukovar-Srijem, County of Slavonski Brod-Posavina, County of Požega-Slavonia and County of Virovitica-Podravina).. Cooperation Agreement between HBOR and JLGC.. The agreed framework for co-operation includes joint insurance, re-insurance and recoveries as well as co-operation in the  ...   the increase in Croatian exports to the markets of Russia and Serbia and Montenegro.. 4th International Export Promotion Conference Organised by HBOR in Dubrovnik.. 09.. On behalf of the Government of the Republic of Croatia, this year’s export promotion conference was opened by Mr.. Damir Polančec, who said: „Croatia is developing into a stable economic environment.. As a state export bank, HBOR plays an important role in the implementation of the Government economic strategy.. In addition to providing export finance and export credit insurance, HBOR also facilitates entry into new markets and regaining positions in the old ones for Croatian businesses through consultancy and well spread co-operation with export banks from all over the world.. “.. Ružica Adamović - appointed new Member of the Managing Board of HBOR.. From the outset of her career in HBOR, in September 1998, Ružica Adamović has been actively involved in establishing the system of export credit insurance against political and commercial risks.. ANNOUNCEMENT.. 23.. The conference will be attended by representatives of the Ministry of the Economy, Labour and Entrepreneurship, the Export and Investment Promotion Agency, the Project “Poduzetna Hrvatska”, the World Bank, the Croatian National Bank, commercial banks, Croatian entrepreneurial zones and Croatian businessmen as well as representatives of foreign investors.. Privredna banka Zagreb d.. and Hrvatska banka za obnovu i razvitak (HBOR) jointly arranged Buyer's credit for Bank "Petrocommerce"; Moscow in an amount of US$ 14 million.. Zagreb, Moscow, October, 2005.. and Hrvatska banka za obnovu i razvitak (HBOR) jointly arranged Buyer's credit for Bank "Petrocommerce"; Moscow in an amount of US$ 14 million, for the post-delivery part financing of the purchase price of one Wagon Carrier-52 Wagons (Hull No.. 460), constructed by the Croatian shipyard Uljanik brodogradilište d.. Pula.. Foreign investments for the growth of the croatian economy.. 25.. The main topic of the conference organised by Hrvatska banka za obnovu i razvitak with the support of USAID and under the auspices of the Government of the Republic of Croatia was the importance of foreign investments in the Republic of Croatia.. HBOR OPENED A REGIONAL OFFICE IN GOSPIĆ.. 24.. 11.. By opening its regional office in Gospić, Hrvatska banka za obnovu i razvitak continued to expand regionally, which was announced at the beginning of the year.. After having opened a regional office in Split, Pula and Osijek, this is the fourth regional office opened by this state development and export bank.. Memorandum of Understanding between Türk Eximbank and HBOR.. 06.. By signing the Memorandum, the parties have established a general framework for co-operation and exchange of information about joint projects implemented by the Republic of Croatia and the Republic of Turkey.. HBOR Signed a Credit Agreement in the amount of EUR 100 million.. The 5-year amortising facility has been extended to HBOR under the most favourable terms and conditions so far.. The proceeds of the facility will be used for general corporate purposes..

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  • Title: www.hbor.hr
    Descriptive info: Hrvatska banka za obnovu i razvitak (HBOR) signed in Zagreb with the LT Gospodarska banka d.. , Sarajevo, Bosnia and Herzegovina.. On Thursday, 22nd January 2004, Hrvatska banka za obnovu i razvitak (HBOR) signed in Zagreb with the LT Gospodarska banka d.. , Sarajevo, Bosnia and Herzegovina a Master Agreement in the amount of EUR 2 million on financing export transactions, the first such agreement signed between HBOR and a foreign bank.. HBOR issued EUR 300 million of seven-year Euromarket bonds.. Within the framework of its EUR 500 million EMTN Programme, which was last updated on 23rd January 2004, HBOR issued EUR 300 million of seven-year Euromarket bonds.. The bonds were listed on the Luxembourg Stock Exchange, where they have been traded since 11th February 2004.. Anton Kovačev, President of the Managing Board of HBOR, signed the Memorandum of Understanding with the Bulgarian Export Insurance Agency (BAEZ).. On 18th February 2004, Mr.. Anton Kovačev, President of the Managing Board of HBOR, signed the Memorandum of Understanding with the Bulgarian Export Insurance Agency (BAEZ) in Sofia on the occasion of the Joint Intergovernmental Bulgarian-Croatian Committee for Trade and Economic Co-operation.. Co-operation Agreement between the City of Gospić and Hrvatska banka za obnovu i razvitak (HBOR) has been signed in Gospić.. On 17th March 2004, the Co-operation Agreement between the City of Gospić and Hrvatska banka za obnovu i razvitak (HBOR) has been signed in Gospić.. Hrvatska banka za obnovu i razvitak (HBOR) and Varteks d.. signed a Loan Agreement in the amount of 12 million HRK with a 7 year repayment term.. 2004.. HBOR's loan in support of high quality garment industry production line and the increase of production of Hugo Boss designer clothes.. Today, Hrvatska banka za obnovu i razvitak (HBOR) and Varteks d.. HBOR signed the Memorandum of Understanding with the Peruvian development bank Corporación Financiera de Desarollo S.. (COFIDE).. 07.. Hrvatska banka za obnovu i razvitak (HBOR) signed the Memorandum of Understanding with the Peruvian development bank Corporación Financiera de Desarollo S.. Euromoney, proclaimed Hrvatska banka za obnovu i razvitak as the best sub-sovereign borrower in the emerging Europe market.. Zagreb, June 14, 2004 - the reputable British financial magazine,Euromoney, proclaimed Hrvatska banka za obnovu i razvitak as the best sub-sovereign borrower in the emerging Europe market.. Standard Poor's Ratings Services revised its outlook on Croatia-based Hrvatska Banka za Obnovu i Razvitak (HBOR) to positive from stable.. On June 23, 2004, Standard Poor's Ratings Services revised its outlook on Croatia-based Hrvatska Banka za Obnovu i Razvitak (HBOR) to  ...   agency, and two days later with COTUNACE, the Tunisian agency for foreign trade insurance.. Casablanca , 28 th September 2004 – HBOR (Croatian Bank for Reconstruction and Development) signed a Memorandum of Understanding with SMAEX, the Moroccan export credit insurance agency, and two days later with COTUNACE, the Tunisian agency for foreign trade insurance.. HBOR (Croatian Bank for Reconstruction and Development) and MIGA (Multilateral Investment Guarantee Agency), a member of World Bank Group, signed a Memorandum of Understanding.. Washington , 4 th October 2004 – HBOR (Croatian Bank for Reconstruction and Development) and MIGA (Multilateral Investment Guarantee Agency), a member of World Bank Group, signed a Memorandum of Understanding, which aims to determine key areas of cooperation between the two institutions.. The President of HBOR's Management Board, Anton Kovačev, and MIGA's Executive Vice President, Yukiko Omura, signed the agreement.. HBOR launched a new Loan Programme for the Development of Cattle Breeding in the Republic of Croatia.. 26.. Development of the agricultural sector is a strategic element in the overall development of the Croatian economy, and the cattle breeding programme is the first of a series of new projects HBOR intends to implement within the framework of its activities aimed at accomplishing the aforementioned goal.. HBOR Opened a Regional Office in Istria.. Hrvatska banka za obnovu i razvitak has developed a number of loan programmes for the financing of the economy and export promotion.. In its endeavours to expand its co-operation with Croatian entrepreneurs that are considered the driving force of the country’s economic development, HBOR has decided to widen the range of its activities by opening a Regional Office for the County of Istria in Pula.. Exports to the Romanian Market Insured with the Support from HBOR and OeKB.. The goal of the export project is the modernisation and extension of a transformer station in Bucharest for the buyer: the Romanian electricity company, Transelectrica S.. The entire project is financed by the German state development bank KfW, and the project is implemented by the Austrian Siemens AG.. The company “Končar energetski transformatori” participates in the project as a manufacturer of four transformers, whose value amounts to EUR 5.. 6 million.. S P Raises Croatia L-T FC Rtgs to BBB.. LONDON (Standard Poor's) Dec.. 22, 2004-Standard Poor's Ratings Services said today it raised its long-term foreign currency sovereign credit rating on the Republic of Croatia to 'BBB' from 'BBB-'.. At the same time, the 'A-3' short-term foreign currency and 'BBB+/A-2' local currency ratings on Croatia were affirmed.. The outlook is stable..

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  • Title: www.hbor.hr
    Descriptive info: (HBOR) and PLINACRO d.. , Zagreb signed the Contract on Performance of Agent Transactions for the Project of construction of gas pipelines in the Republic of Croatia for the period 2003 – 2006 (the Project).. Zagreb, 8th December 2003 – Hrvatska banka za obnovu i razvitak (HBOR) and  ...   Kreditanstalt für Wiederaufbau (KfW) signed the «Project Loan Funding Facility» in the amount of EUR 37.. 5 million.. Frankfurt am Main, 12th December 2003 – Hrvatska banka za obnovu i razvitak (HBOR) and Kreditanstalt für Wiederaufbau (KfW) signed the «Project Loan Funding Facility» in the amount of EUR 37..

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  • Title: www.hbor.hr
    Descriptive info: Print this page.. Overview and download of financial statements.. Q1 financial statements.. 2014.. 2013.. 2012.. 2011.. 2010.. 2009.. Semi-annual financial statements.. Q3 financial statements.. Annual financial statements.. 2008.. 2007.. 2006.. Archive of annual reports.. Last modified:.. 8/29/2014..

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  • Title: www.hbor.hr
    Descriptive info: About us….. Hrvatska banka za obnovu i razvitak has, as a development and export bank, been operating successfully for more than 20 years owing to the expertise and professionalism of its employees.. Within the framework of our strategy for the development of human resources, we endeavour to enable every individual employee maximisation of its personal and professional potential.. Examinations of satisfaction with work that we carry out among our employees have always shown that our employees are particularly satisfied with their colleagues and the atmosphere at work, which we find crucial for the quality of work done and the overall satisfaction with work in every organisation.. In recognition of the quality of the implementation of HR process, Hrvatska banka za obnovu i razvitak has obtained the Employer Partner Certificate that is awarded by MojPosao and the Selectio Group for excellence in human resource management.. To us, the Certificate does not represent merely an award but rather a motive to become an even better employer whose employees will be more satisfied and motivated.. What type of  ...   freely, we invite you to join us!.. What are we offering?.. In addition to pleasant and encouraging work environment, a job at HBOR has a number of other advantages.. Those employees who show particular motivation and potential are given an opportunity to undergo continuous training and education both at the workplace and in numerous courses, seminars and studies at external institutions.. However, this is not all.. In order to make work at HBOR as easy and pleasant as possible, we offer our employees flexible working hours, recreation through HBOR sport, we organise annual charity activities (teambuilding)….. We like to celebrate and spend time together and we like to support and help one another.. We expect our employees to work with diligence and devotion, and we know how to reward such dedication.. If you would like to become part of our team of experts, apply to our vacant positions or send us your curriculum vitae at.. otvorena.. prijava@hbor.. hr.. Should you have any further questions or require any additional information, please feel free to contact us.. 9/25/2013..

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  • Title: www.hbor.hr - HRVATSKI
    Descriptive info: Ispiši ovu stranicu.. NAJČEŠĆA PITANJA.. Kreditiranje pripreme i naplate izvoza.. 1.. Tko može biti korisnik kredita po Programu kreditiranja pripreme i naplate izvoza?.. Korisnik kredita je u pravilu poslovna banka koja je s HBOR-om zaključila Sporazum o suradnji na provođenju Programa.. Krajnji korisnici kredita su pravne ili fizičke osobe registrirane u RH koje izvoze hrvatske robe ili usluge i posluju najmanje godinu dana.. 2.. Što krajnji korisnik kredita može financirati ovim kreditom?.. Krajnji korisnik može financirati nabavu potrebnog repromaterijala, energente, plaće zaposlenih, zavisne troškove nabave i sl.. 3.. Koji je najveći iznos kredita koji se odobrava po ovom programu?.. Krajnji korisnik u suradnji sa svojom poslovnom bankom procjenjuje potrebni iznos kredita.. HBOR ne određuje maksimalni iznos kredita, već isti ovisi o visini predviđenih i ugovorenih izvoznih poslova.. Da li krajnji korisnik kredita mora biti izvoznik (najmanje 30% prihoda ostvarivati izvozom)?.. Po ovom kreditnom programu to nije uvjet, već se kreditiraju i oni krajnji korisnici koji do sada nisu bili izvoznici, a imaju dogovorene izvozne poslove.. 5.. Da li se ovi krediti odobravaju uz valutnu klauzulu?.. Krediti se odobravaju u kunama, bez valutne klauzule.. 6.. Koje sve troškove krajnji korisnik ima prilikom odobravanja kredita?.. Krajnjeg korisnika očekuje plaćanje naknade za obradu kreditnog zahtjeva u visini 0,9% od odobrenog iznosa kredita, ista se plaća jednokratno prije prvog korištenja kredita, te naknada za rezervaciju odobrenog a neiskorištenog iznosa kredita koja iznosi 0,25% godišnje.. 7.. Poduzeće se bavi izvozom drvenih trupaca, da li možemo koristiti kredit po Programu kreditiranja pripreme roba za izvoz i izvoza roba?.. Ne, budući trupci po klasifikaciji NKD-a pripadaju skupini sirovina.. 8.. Da li HBOR omogućuje direktno kreditiranje po Programu kreditiranja pripreme i naplate izvoza?.. Krediti se u pravilu plasiraju preko poslovnih banaka s kojima je HBOR sklopio ugovor o suradnji.. 9.. Koliko dugo traje obrada kreditnog zahtjeva u HBOR-u?.. Od dana kada poslovna banka dostavi HBOR-u svu potrebnu obrada kreditnog zahtjeva traje u pravilu do 10-ak dana.. 10.. Ako je hrvatsko poduzeće vlasnik poduzeća u inozemstvu, može li hrvatsko poduzeće dobiti kredit za pripremu a za svoje poduzeće u inozemstvu?.. Kredit za pripremu može koristiti samo hrvatsko poduzeće.. Isto poduzeće ne može dobiti kredit za pripremu proizvodnje za svoje poduzeće kćer u inozemstvu.. 11.. Bavim se trgovinom.. Uvozim robu iz Rusije, prepakiram istu u Hrvatskoj i izvozim u Bosnu.. Mogu li za opisani posao koristiti kredit po programu pripreme?.. Za poslove reeksporta, što je Vaš slučaj, HBOR ne odobrava kredit za pripremu proizvodnje.. Kreditiranje naplate izvoznog posla.. Što je predmet kreditiranja po programima kreditiranja kupaca u inozemstvu uz garanciju banke ili programu kreditiranja dobavljača?.. Kreditira se izvoz roba hrvatskog porijekla, građevinskih radova i usluga.. Kada se smatra da je neka roba hrvatskog porijekla?.. Smatramo da je roba hrvatskog porijekla ako je minimalno 60% hrvatske komponente sadržano u istoj.. Uvjerenje o porijeklu robe izdaje HGK.. Porijeklo se još dokazuje ovisno o zemlji izvoza s dokumentima EUR 1 i FORM-A.. Da li poduzeće mora zaključiti izvozni ugovor s kupcem u inozemstvu?.. Poduzeće može biti glavni isporučitelj i zaključiti izvozni ugovor s kupcem u inozemstvu, ali može biti i podizvođač ili isporučitelj robe nekom nositelju posla u okviru većih projekata.. Tada HBOR kreditira kupca u inozemstvu samo za hrvatski udio u ukupnom poslu iako on nije u direktnom ugovornom odnosu s kupcem.. Naše poduzeće želi sudjelovati na međunarodnom natječaju, kupac uvjetuje osiguranje financiranja, što trebamo poduzeti?.. Obratite se HBOR-u sa zahtjevom za izdavanje Indikativne ponude koju ćete priložiti uz natječajnu dokumentaciju.. Za izdavanje Indikativne ponude potrebno je popuniti obrazac Informacije o izvoznom poslu.. Kupac u inozemstvu traži kupnju hrvatske robe uz obročnu otplatu, ali iz nekih razloga ne može biti korisnik kredita, što mu možemo predložiti?.. Robni kredit svom kupcu u inozemstvu možete realizirati putem programa Kredit dobavljača.. Da li je moguće financiranje premije osiguranja iz kredita kupcu uz garanciju banke?.. Da, premiju osiguranja možemo uračunati u glavnicu kredita i to najviše 85% iznosa premije.. Premija se također može platiti kroz kamatnu stopu koja se u tom slučaju uvećava za određeni postotak.. Zaključio sam izvozni ugovor s kupcem u inozemstvu.. Za 12 mjeseci moram isporučiti ugovoreni stroj.. Ako HBOR odobri kreditiranje navedenog posla, kada mogu očekivati sredstva na svom računu? Da li ću sredstva iz odobrenog kredita moći koristiti za financiranje proizvodnje navedenog stroja?.. HBOR sredstva po odobrenju kredita isplaćuje na račun izvoznika po izvršenoj isporuci, što znači da ova sredstva nisu namijenjena financiranju proizvodnje, već samo naplati izvoznog posla.. Proizvodnju stroja djelomično možete financirati iz avansa koji minimalno mora iznositi 15%.. Ako se stroj ili strojni park isporučuje po fazama ili dijelovima, HBOR isplaćuje sredstva kao što je ugovorena isporuka, što znači nakon svakog isporučenog dijela ili završene faze.. U tom slučaju, ukoliko je moguće, preporučamo ugovoriti datume isporuka na način da Vam svaka osigura financijska sredstva za proizvodnju stroja ili dijela koji se isporučuje u idućoj.. Za kreditiranje proizvodnje možete također koristiti HBOR-ov Program kreditiranja pripreme proizvodnje za izvoz i izvoz roba.. Moje je poduzeće vlasnik poduzeća-kćeri u inozemstvu koje kupuje moje proizvode i plasira ih na inozemnom tržištu.. Može li ono biti korisnik kredita po programu kreditiranja izvoza kreditiranjem kupca u inozemstvu uz garanciju banke?.. Ne, nije moguće koristiti ovaj oblik kreditiranja pri prodaji robe povezanim poduzećima.. Za ovakav oblik suradnje nije moguće izdati policu osiguranja što je jedan od preduvjeta za dobivanje posla.. Može li bilo koja banka u inozemstvu izdati garanciju ili biti korisnik kredita po programu kreditiranja izvoza kreditiranjem kupca u inozemstvu uz garanciju banke?.. Za zemlje za koje hrvatski izvoznici pokazuju veće zanimanje, HBOR je već izradio listu prihvatljivih banaka za suradnju koju Vam na upit možemo poslati.. Ukoliko se poslovna banka Vašeg kupca ne nalazi na ovoj listi, moguće je, po dostavi potrebne dokumentacije (npr.. godišnja izvješća) nakon analize prihvatiti banku kao garanta ili korisnika kredita za određeni iznos.. Ukoliko se Vaš kupac nalazi u zemlji za koju još nije formirana lista prihvatljivih banaka, zamolit ćemo Vas da nam dostavite potrebnu dokumentaciju njegove poslovne banke ili ćemo, prema potrebi i mogućnostima, izravno stupiti u kontakt s djelatnicima te banke ili financijske institucije.. Radio bih na projektu vrijednom 100 mil.. USD, međutim samo je roba u vrijednosti od 30 mil.. USD hrvatskog podrijetla.. Da li je moguće koristiti kredit za kreditiranje izvoza  ...   Srbije.. Naknadu za obradu zahtjeva naplaćuje HBOR i ona ovisi o vrsti osiguranja te se obračunava i naplaćuje jednokratno unaprijed na iznos zatražene osigurane svote, kreće se od 200,00 do najviše 7.. 000,00 kuna.. Što je osigurana limit/svota?.. Predstavlja iznos do kojeg je osiguran izvoz prema Vašem inozemnom kupcu.. Osiguranu svotu određuje HBOR temeljem Vašeg zahtjeva za svakog pojedinog kupca.. U slučaju kontinuiranih isporuka, osigurani limit bi trebao predstavljati Vaše maksimalno potraživanje prema određenom kupcu.. HBOR u svakom trenutku ima pravo smanjiti iznos osigurane svote ili ju i ukinuti, kao posljedicu negativnih informacija o kupcu ili nastupa nekog drugog rizika osiguranog policom osiguranja.. To znači da izvoznik mora smanjiti svoju izloženost u narednom periodu do visine te nove osigurane svote ili dalje uopće ne izvoziti u slučaju ukidanja limita/svote.. Koje su obveze osiguranika po zaključenom Ugovoru o osiguranju?.. Izvještavati HBOR u ugovorenim rokovima o mjesečno izvršenim isporukama roba i usluga, eventualnim izmjenama dogovorenih uvjeta te eventualnim problemima sa naplatom.. Uredno plaćati premiju osiguranja te poštivati odredbe Općih uvjeta osiguranja i odredbe Ugovora o osiguranju.. Kod svakog problema s naplatom, pismeno o tome izvijestiti HBOR odmah po saznanju, a najkasnije u roku od 30 dana od dospijeća potraživanja koje nije naplaćeno te dalje postupati sukladno naputcima HBOR-a.. Kada podnijeti odštetni zahtjev?.. Osiguranik ima pravo na podnošenje odštetnog zahtjeva nakon nastupa jednog ili više osiguranih rizika pokrivenih Policom osiguranja.. Ako je riječ o stečaju kupca, osiguranik može podnijeti Odštetni zahtjev odmah nakon upisa potraživanja u stečajnu masu, a u drugim slučajevima istekom 5 mjeseci od prijave kašnjenja plaćanja HBOR-u.. Iz navedenog proizlazi da je vrlo bitno HBOR-u u roku od 30 dana od uobičajenog dospijeća plaćanja prijaviti kašnjenje plaćanja ako je do njega došlo.. Iznos odštete koji se isplaćuje predstavlja iznos nenaplaćenog dospjelog potraživanja umanjenog za samopridržaj.. Koliki je iznos odštete?.. Iznos odštete predstavlja iznos nenaplaćenog dospjelog potraživanja umanjenog za samopridržaj, ali najviše do iznosa osigurane svote.. Samopridržaj je vlastiti udio osiguranika u šteti, odnosno nepokriveni dio štete koji iznosi najmanje 15%.. U kojim slučajevima osiguranik nema pravo na odštetu?.. Osiguranik nema pravo na odštetu ako nije platio premiju osiguranja, ako je dao neistinite informacije kod podnošenja zahtjeva za osiguranje, ako je namjerno prešutio neke od bitnih informacija za zaključivanje osiguranja, ako nije izvršio isporuku roba i usluga sukladno ugovorenim uvjetima, ako postoje sporna potraživanja prema inozemnom kupcu, ako nije u dogovorenim rokovima izvještavao HBOR o nenaplaćenim potraživanjima te ako se nije pridržavao odredbi zaključenog Ugovora o osiguranju.. Što su agencije za naplatu potraživanja te da li HBOR sudjeluje u aktivnostima naplate dospjelog potraživanja?.. Agencije za naplatu potraživanja su specijalizirane ustanove ili odvjetnički uredi koji po nalogu vrše naplatu potraživanja u slučaju kada vjerovnik nije u mogućnosti sam naplatiti svoje dospjelo potraživanje.. U pravilu agencije naplaćuju svoje usluge tek po uspješno obavljenom poslu.. O navedenim agencijama za naplatu potraživanja detaljnije informacije i kontakte možete dobiti u HBOR-u.. HBOR odmah po zaprimanju pisane obavijesti o kupčevom neplaćanju, u dogovoru s osiguranikom šalje pismene opomene kupcu, pozivajući ga na promptno izvršenje svojih obveza.. Vrlo je važno reagirati odmah, odnosno ostati s kupcem u stalnom telefonskom i pismenom kontaktu.. Što je pridržaj prava vlasništva?.. Pridržaj prava vlasništva (DOC - 60KB)(engl.. retention of property right, njem.. Vermögenszurückbehaltungsrecht, lat.. pactum reservati dominii) je posebna odredba u kupoprodajnom ugovoru na temelju koje prodavalac zadržava vlasništvo na stvari koju je predao kupcu sve dok mu kupac u cjelosti ne plati ugovorenu cijenu.. U nekim slučajevima ugovaranje pridržaja prava vlasništva omogućuje izvozniku povrat isporučene robe u slučaju neplaćanja.. 17.. Kako se određuje kategorizacija zemlje?.. HBOR klasificira zemlje u sedam kategorija ovisno o stupnju političkog rizika zemlje, pri čemu kategorija 1 predstavlja najniži rizik, a kategorija 7 najviši rizik.. Za zemlje u 7.. kategoriji rizičnosti, mogućnost osiguranja se razmatra od slučaja do slučaja.. 18.. Što je srednjoročno-dugoročno osiguranje i što se sve može osigurati?.. Srednjoročno-dugoročnim osiguranjem se osiguravaju izvozni poslovi s ugovorenim rokovima plaćanja dužim od godine dana.. Ovo se osiguranje odnosi na izvoz robe i usluga veće vrijednosti (kapitalna dobra, građevinski radovi i sl.. ).. Osigurati se može:.. * kredit dobavljača.. * kredit kupcu ili banci kupca.. * štete tijekom proizvodnje.. * kreditne linije.. * ulaganje u inozemstvo.. 19.. Što je osiguranje kredita kupcu?.. Kredit kupcu ili banci kupca se odobrava u cilju osiguravanja promptne naplate izvoznog posla, pri čemu je osiguranik poslovna banka koja osigurava svoje potraživanje prema kupcu ili njegovoj banci temeljem ugovora o kreditu.. Što je osiguranje kredita dobavljača?.. Kod osiguranja kredita dobavljača osigurava se prodaja uz odgodu plaćanja, definirana u komercijalnom ugovoru između izvoznika i inozemnog kupca.. Osiguranik je u ovom slučaju izvoznik koji može asignacijom prenijeti prava iz Ugovora o osiguranju na banku koja financijski prati cijeli izvozni posao.. Što je osiguranje šteta tijekom proizvodnje?.. Kod proizvodnje robe za izvoz po specijalnoj narudžbi i koju je nemoguće prodati drugom kupcu, moguće je osigurati i štete tijekom proizvodnje kojima se osigurava rizik nemogućnosti izvršenja izvoznog ugovora od strane izvoznika radi raskida ugovora od strane kupca ili nastanka nekog političkog rizika koji onemogućava izvršenje ugovora, npr.. uvođenje embarga na izvoz u zemlju kupca.. 22.. Što je osiguranje ulaganja u inozemstvo?.. Osiguranje ulaganja u inozemstvo je namijenjeno hrvatskim ulagačima te podrazumijeva osiguranje od političkih rizika na koje osiguranik ne može utjecati i koji mogu ugroziti uspješnost realizacije cjelokupnog ulaganja (npr.. nemogućnost i ograničenja transfera valute, izvlaštenje-eksproprijacija, rat i građanski nemiri itd.. Da li je moguće osiguranje i u slučaju da nije zadovoljen kriterij minimalnog udjela hrvatskog podrijetla u robama i uslugama?.. Ako se radi o projektima veće vrijednosti i dužeg trajanja rizika, kada su u projekt uključeni dobavljači iz različitih zemalja, pokriće je moguće odobriti u suradnji s izvozno kreditnim agencijama iz tih zemalja, tako da svaka od izvozno-kreditnih agencija pokriva svoj nacionalni udio u projektu.. Za potrebe takvih projekata, agencije međusobno dogovaraju uvjete pokrića i to temeljem ugovora o osiguranju, reosiguranju ili paralelnom osiguranju.. Da li je moguće prava iz Police osiguranja prenijeti/uputiti na treću osobu?.. Prava iz Ugovora o osiguranju je moguće prenijeti na treću osobu uz pisanu suglasnost HBOR-a kao osiguravatelja.. Uobičajeno je da se na zahtjev osiguranika prava iz Ugovora o osiguranju prenose na poslovnu banku u cilju realizacije izvoznog kredita i to potpisivanjem Ugovora o asignaciji (upućivanju).. Posljednja izmjena:.. 2.. 2008..

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  • Title: www.hbor.hr - HRVATSKI
    Descriptive info: Kontakti/Contacts.. Programi: Pronalasci/Programmes: Innovations.. pronalasci@hbor.. Jadranka Sabljak.. tel: +385 1 4591 754, fax: +385 1 4597 811,.. jsabljak@hbor.. Javorka Babić.. tel: +385 1 4591 723, fax: +385 1 4597 811,.. jbabic@hbor.. Venesa Ferić.. tel: +385 1 4591 761, fax: +385 1 4597 811,.. vferic@hbor.. 2012..

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  • Title: www.hbor.hr - HRVATSKI
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