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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.. Positive Business Results in 2011.. For the purpose of promoting new investments in the Croatian economy, interest rates changed under several loan programmes in 2012.. Zagreb, 30 April 2012.. – HBOR published 2011 audited financial statements of HBOR Group and HBOR.. In 2011, HBOR generated total income of HRK 953.. 8 million.. Expenses amounted to HRK 805.. 7 million and profits to HRK 148.. 1 million.. At the end of 2011, total net loans stood at HRK 20.. 49 billion and comprised 93 per cent of total assets.. Net interest income amounted to HRK 332.. 3 million, an increase of 16% on the previous year.. Such a tendency is the result of a decrease in interest expenses on a year level and of interest income remaining at almost the same level as the in previous year.. Interest income amounted to HRK 896.. 2 million, an increase of 1% on the previous year.. This slight increase has been completely expected and planned  ...   2010, i.. e.. 661 loans amounting to HRK 2.. 8 billion were approved.. In 2012, for further promotion of new investments in the Croatian economy, HBOR introduced a temporary measure of reducing its interest rates by 1 basis point under 10 of its loan programmes covering the following areas: agriculture, fishing, tourism, industry, energy efficiency, environmental protection and renewable energy resources.. Consequently, such interest rates stand at 1, 3 and 5 per cent on an annual level.. Another significant temporary measure introduced is the financing in kunas through the majority of HBOR’s loan programmes.. All of the introduced measures resulted in a 55 per cent increase in the investment loan approvals during the first quarter of 2012 compared with 2011.. In the first quarter, the amount of investment loans approved stood at HRK 675 million, whereas the amount of HRK 434 million had been approved in the same period previous year.. In the first quarter 2012, the amount of approved loans totalled approximately HRK 1.. 5 billion.. 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..

    Original link path: /positive-business-results-in-2011
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  • Title: www.hbor.hr
    Descriptive info: Hrvatska banka za obnovu i razvitak Signed a Memorandum of Understanding with Investiciono-razvojni fond Crne Gore (Investment and Development Fund of Montenegro).. Additional confirmation of HBOR’s reputation.. ZAGREB, 22 March 2012.. – Mr.. Anton Kovačev, President of the Managing Board of Hrvatska banka za obnovu i razvitak, and Mr.. Dragan Lajović, Chairman of the Board of Directors of Investiciono-razvojni fond Crne Gore, signed a Memorandum of Understanding yesterday.. The Memorandum was co-signed by Ms.. Emilija Nagj, Member of the Managing Board of Hrvatska banka za obnovu i razvitak, and Mr.. Predrag Poček, Executive Director of Investiciono-razvojni fond Crne Gore.. The purpose of the Memorandum of Understanding is to establish a framework for co-operation between Hrvatska banka za obnovu i razvitak and Investiciono-razvojni fond Crne Gore in supporting and encouraging trade and investments between  ...   their field of activities.. Investiciono-razvojni fond Crne Gore was established as a joint stock company by the Law on the Investment and Development Fund of Montenegro on 31 December 2009 and started to operate on 31 March 2010.. It is 100 per cent owned by the Government of Montenegro.. The Fund was established with the purpose of promoting and accelerating the economic development of Montenegro through the granting of loans (directly or via commercial banks) and the issuing of guarantees, through the carrying out of transactions pertaining to the sale of capital in the portfolio of the Fund and through other activities that ensure support for economic development.. In the near future, the Fund plans to offer factoring products in order to contribute to the strengthening of liquidity in the SME sector of Montenegro..

    Original link path: /hrvatska-banka-za-obnovu-i-razvitak-signed-a-memor
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  • Title: www.hbor.hr
    Descriptive info: Ivanka Maričković Putrić appointed Senior Executive Director of Croatian Bank for Reconstruction and Development.. Promotion as a confirmation of long-term successful career in HBOR.. Zagreb, 2nd April 2012 – Until recently, Executive Director of Credit Division in Croatian Bank for Reconstruction and Development, Ivanka Maričković Putrić was appointed Senior Executive Director effective 1st April 2012.. Ivanka Maričković Putrić began her professional career as an IT programmer in the Ministry of Internal Affairs in November 1993 and came to Croatian Bank for Reconstruction and Development in February 1995.. As an independent loan officer, she worked on the first IBRD and EBRD loans and projects in Croatia and developed the first ideas and programmes for export promotion, utilising the experience gained in trainings and seminars at similar export banks and agencies in Europe such as Austria's OeKB and Germany's KfW.. During that period, she progressed up to the highest loan officer level.. In April 2005, she was  ...   2010 was appointed Executive Director of Credit Division.. In the Executive Director position, she was responsible for creating new models of financing and support for the economy as well as improving business processes and operational organisation of Credit Division.. In addition, she continued working on improvements in the quality of support and services for entrepreneurs.. Apart from her dedicated work within the bank, Ivanka Maričković Putrić represented HBOR in various committees in the Ministries, was a member of the Presidency of Croatian Exporters, member of the working group for drafting the WTO for the Republic of Croatia and was HBOR representative at economic forums both in Croatia and abroad.. Present promotion is a confirmation of long-term successful performance of Ivanka Maričković Putrić as an employee of HBOR as well as a confirmation of success of Croatian Bank for Reconstruction and Development, which has nurtured continuous improvement of quality and knowledge of its employees since its foundation..

    Original link path: /ivanka-marickovic-putric-appointed-senior-executiv
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  • Title: www.hbor.hr
    Descriptive info: With HBOR’s Support, ALTPRO Opened the First Development Innovation Centre in South-East Europe.. Zagreb, 21 February 2012 –.. The company ALTPRO opened the first development and innovation centre in South-East Europe in Odra today that was financed by a loan through the loan programme “Innovations” approved by Hrvatska banka za obnovu i razvitak at the annual interest rate of 4 per cent, repayment period of 12 years, 3-year grace period included.. The project of moving the plant to the new location was carried out with the support of HBOR’s loan programme “Innovations”.. It was signed on 15 August 2010 as a result of a long-term successful co-operation between ALTPRO and HBOR.. ALTPRO is specialised in the manufacturing and development of state-of-the-art products for the railway industry on the basis of company's internal research and innovation activities.. The products of the company have completely been developed in Croatia on the basis of the own know-how, and the competitiveness of the company has been proven  ...   them to successfully complete the Factory Acceptance Test for the Indonesian Railways, to prepare the new transfer of technology for security devices in railway vehicles and to implement the first pilot project relating to security devices in railway vehicles.. When opening the new plant, Mr.. Zvonimir Viduka, Managing Director of ALTPRO company, presented a plaque of thanks to Mr.. Anton Kovačev, President of HBOR’s Managing Board, for their contribution to the development of the company ALTPRO.. On this occasion, Mr.. Anton Kovačev said: “We are extremely proud of our long-standing successful cooperation with the company ALTPRO.. Projects like this one evidence that Croatian businessmen have all the knowledge and skills needed for the implementation of the most complex projects both in domestic and in international markets.. This is also the confirmation of the correctness of HBOR’s decision to support the Croatian innovators in the development of new technologies and products as the best way to start an economic cycle and create new jobs.. ”..

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  • Title: www.hbor.hr
    Descriptive info: EIB continues to support smaller projects in Croatia.. Zagreb/Luxembourg, 10 February 2012.. - The European Investment Bank (EIB) is providing a loan of EUR 150 million to the Croatian Bank for Reconstruction and Development (HBOR - Hrvatska banka za obnovu i razvitak) to finance projects of small and medium-sized companies (SMEs), mid-cap companies and municipalities in Croatia.. EIB Vice-President Anton Rop, responsible for EIB operations in Croatia, commented: “It is one of the EIB’s priorities to improve the access to long-term financing by SMEs and mid-cap companies.. They represent an important part of the Croatian economy in terms of employment, GDP, the introduction of modern production technologies, and they frequently suffer from a shortage of funding opportunities, particularly during a period of crisis.. ”.. Anton Kovačev, President of HBOR’s Managing Board, said: “The Contract we signed today is an additional confirmation of HBOR’s outstanding reputation among international financial institutions and a continuation of excellent long-term co-operation with EIB.. This loan is of great significance for the development of the overall Croatian economy, for which HBOR will, as it always has, endeavour to ensure the best terms and conditions of finance in order to contribute to the strengthening of its competitiveness in the world market.. With this project, EIB loan will co-finance projects implemented  ...   being implemented successfully.. About European Investment Bank.. The European Investment Bank (EIB) is the long-term lending institution of the European Union owned by its Member States.. It makes long-term finance available for sound investment in order to contribute towards EU policy goals.. Since 2001 the EIB has provided loans in Croatia worth some EUR 3 billion, including the current loan.. The EIB’s lending portfolio in Croatia is very well balanced and covers all of the country’s economic sectors, ranging from basic infrastructure to manufacturing and services, including support for small and medium-sized companies through local financial institutions.. About Hrvatska banka za obnovu i razvitak.. Hrvatska banka za obnovu i razvitak is the development and export bank of the Republic of Croatia whose primary task is to promote 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.. From 1992 until the end of 2011, HBOR approved 29,340 loans totalling HRK 63.. 3 billion to the Croatian business sector.. For further information, please contact Dušan Ondrejička, email:.. d.. ondrejicka@eib.. org.. , tel.. : +352-4379-8334, or visit the EIB’s website:.. http://www.. eib..

    Original link path: /art1662
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  • Title: www.hbor.hr
    Descriptive info: HBOR – Host to the Competition and Development Policy Committee of the European Association of Public Banks (EAPB).. Dubrovnik, 7 October 2011 - HBOR hosted the meeting of EAPB’s Competition and Development Policy Committee, on the occasion of which the representatives of the European Investment Bank (EIB) in charge of the JESSICA financial instrument  ...   in the discussions.. The representatives of more than 10 European development banks and financial institutions gathered at the meeting.. Hrvatska banka za obnovu i razvitak has been a member of the EAPB since 2007, and Mr.. Anton Kovačev, President of HBOR’s Managing Board, was elected President of the EAPB towards the end of 2010..

    Original link path: /art1598
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  • Title: www.hbor.hr
    Descriptive info: Info Day of the Regional Office for Istria.. Pula, 7 October 2011 – An Info Day will take place in the Regional Office for Istria in order to provide information pertaining to HBOR’s loan programmes, drafting of documentation and submission of loan requests.. Regional Office working hours: 8 a.. m.. – 4 p.. Please announce your participation by calling: 051 206 508..

    Original link path: /art1597
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  • Title: www.hbor.hr
    Descriptive info: Anton Kovačev Presented a Lecture to the Association of Students Graduated from the Faculty of Economics Rijeka ALUMNI EFRI.. Rijeka, 24 October 2011.. – A thematic debate organised by the Association of Students Graduated from the Faculty of Economics Rijeka ALUMNI EFRI on the topic “The Role of HBOR in the Promotion of the Croatian Economy”, with Mr.. Anton Kovačev, President of HBOR’s Managing Board, as a guest lecturer, took place today.. In his lecture, Mr.. Anton Kovačev stressed the importance of development banks for the development of all countries because such banks, just like HBOR, focus primarily on the promotion of the economic development.. He explained HBOR’s main goals.. Export promotion as one of them is indispensable for small and open countries like Croatia because, in order to survive, they need to sell their goods in wider regional markets.. He also pointed out the significance of a balanced development not only in geographical terms but also in the terms of economic operators with a special focus on women entrepreneurs, inventors entrepreneurs and innovators entrepreneurs.. It is by encouraging these two aspects of balanced development that HBOR fulfils its development role, as the goal of every country is to create equal living conditions in all of its parts and provide support for all of its groups.. Inventors entrepreneurs are of crucial importance for the development of any economy because without new products there is no production, no increase in exports, no progress and no new jobs.. At the end of his lecture, Mr.. Kovačev said a few words about HBOR’s activities during the financial crisis and its endeavours to provide support for Croatian entrepreneurs in their efforts to cope with the liquidity problems and other difficulties arising as a consequence of the crisis.. Liquidity loans were introduced by HBOR even before the crisis, and HBOR had a direct influence on the reduction in interest rates charged on working capital by means of auctions implemented  ...   Balanced Development Programme and the Islands Programme (grace period was prolonged from 2 years to 3 years, repayment period from 12 years to 14 years), the SME Programme (grace period was prolonged from 2 years to 3 years, repayment period from 10 years to 12 years), the Start-Ups Programme (grace period was prolonged from 2 years to 3 years, repayment period from 12 years to 14 years) and the Innovations Programme (repayment period from 12 years to 14 years).. Annual interest rates were reduced under the following loan programmes: the Environmental Protection Programme (to 4% or 3M EURIBOR + 2%) the Infrastructure Programme (to 4%) and the Innovations Programme (to 2% or 4%).. Other changes included – the possibility of taking out a HRK loan under the following loan programmes: the Restructuring Programme, the Islands Programme, the Agriculture and Balanced Development Programme, the Start-Ups Programme and the Innovations Programme; and the adjustment of the repayment periods on loans intended for the purchase of equipment and machines to the repayment periods on loans intended for other purposes under the following loan programmes: the Economy Development Programme, the Tourism Programme, the SME Programme, the Islands Programme, the Agriculture and Balanced Development Programme, the Start-Ups Programme, the Innovations Programme and the Female Entrepreneurship Programme.. Besides, for local government units, the percentage of the financed share of estimated investment value was increased up to 100%.. The range of eligible purposes under the Infrastructure Programme was extended to cover the possibility of including cadastral survey costs and the financing of cadastral survey works intended for the development of real estate cadastre.. Under the Innovations Programme, new eligible borrowers were introduced: companies operating longer than 2 years if their balance sheet for the previous period includes an item “intangible assets – development expenses”.. A possibility of financing a higher percentage of permanent working capital was also approved for the activities in the field of the development of software support solutions..

    Original link path: /art1634
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  • Title: www.hbor.hr
    Descriptive info: HBOR joined the Energy Efficiency Programme "House in Order" (HiO programme).. Zagreb, 24th October - Croatian Bank for Reconstruction and Development signed a Letter of Intent on the application of the energy efficiency principles in their facilities and joined the program "House in order".. The programme, implemented by UNDP Croatia in cooperation with the Croatian Government and the Fund for Environmental Protection and Energy Efficiency, has been actively involved in all 16 ministries and the Office of the President and Croatia's Meteorological and Hydrological Service.. The Letter of Intent between HBOR and UNDP was signed by.. Emilija Nagj.. , Member of HBOR's Managing Board, and.. Louisa Vinton.. , the UNDP Resident Representative in Croatia.. The document details the services that UNDP will provide  ...   but a responsibility that we, a development institution, have for the environment, community and future generations.. "The HiO programme has made Croatia a leader in energy efficiency in public-sector buildings," said.. , the UN Resident Coordinator and UNDP Resident Representative in Croatia.. "Now that our methods and practices are well-tested and proven, we want to expand the programme to all public institutions that have not yet benefited.. The potential for savings is huge, as is the opportunity to reduce CO2 emissions.. ".. Thousands of state facilities under the jurisdiction of the 16 ministries are actively implementing the programme.. HiO activities in these buildings are generating almost HRK 27 million in annual savings and more than 5,000 civil servants have been trained in energy management..

    Original link path: /art1632
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  • Title: www.hbor.hr
    Descriptive info: HBOR signed a Memorandum of Understanding with the Italian Cassa Depositi e Prestiti (CDP).. Reputation of HBOR in international markets additionally confirmed by signing of this memorandum.. Rome, 19th October 2011 – Mr.. Anton Kovačev, the President of the Managing Board of Hrvatska banka za obnovu i razvitak and Mr.. Franco Bassanini, the President of the Italian Cassa Depositi e Prestiti (CDP) signed the Memorandum of Understanding between the two institutions.. This Memorandum was signed with the purpose of establishing a framework for future cooperation between HBOR and CDP in terms of promotion of trade and investments between the Republic of Italy and the Republic of Croatia, and also in terms of participation and provision of services in common projects in the third countries’ market.. The envisaged cooperation would enable direct investments in small and medium-sized enterprises and infrastructure, training of employees  ...   works of national interests and other projects of public interest for the last 160 years.. CDP procures funds mainly through postal savings without a state guarantee and places bonds to institutional investors.. CDP has the same rating as the Republic of Italy.. The most strategic branches of industry that are financed are transport network and local public services, public construction and social housing construction, energetics and communications, support to small medium-sized entrepreneurship and export financing, research and innovations, environmental protection and renewable energy resources.. CDP is one of the founders of the Long-Term Investors Club (LTIC).. The Club was founded in 2009 by CDP, Caisse des Dépôts and KfW Bankengruppe, and it is open for all investors around the world.. The goal of the Club is to confirm the key role of long-term financing in providing financial stability and promoting international economic development..

    Original link path: /Art1626
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  • Title: www.hbor.hr
    Descriptive info: President of the Managing Board of HBOR Anton Kovačev attended a meeting with Antonio Tajani, Vice President of the European Commission.. Bruxelles 18th October 2011 – the President of the Managing Board of HBOR Anton Kovačev attended a meeting with Antonio Tajani, Vice President of the European Commission and Commissioner for Economy and Entrepreneurship to discuss the innovative ways of financing small and medium enterprises.. Indeed, access to appropriate sources of funding remains one of the major constraints to small businesses.. In this regard, the Commission is focused on providing support to SMEs and improving access to capital for small businesses.. It considers SMEs important for recovery, future growth and prosperity in Europe.. Therefore, by the end of the year, the European Commission will adopt an action plan that will facilitate access to capital for SMEs.. It will also present a programme of the European Commission, which succeeds the previous Competitiveness and Innovation Framework Programme (CIP) and will be called the Business Competitiveness and SME Programme for the period 2014-2020.. The action plan will also include the venture capital regime, which will enable operations without constraints to venture capital funds established in any EU Member State by 2012.. The previous Competitiveness and  ...   The Information Communication Technologies Policy Support Programme - ICT PSP.. The Intelligent Energy Europe Programme - IEE.. The main objectives of the CIP are facilitating access to finance for start-ups and development of SMEs and encouraging investments in innovative activities, creating a favourable environment for the co-operation of small and medium enterprises, particularly cross-border cooperation, promoting all forms of innovation in enterprises, supporting eco-innovation and supporting policies that encourage entrepreneurship and innovation.. The new programme proposed by the European Commission for the period 2014 – 2020, called Business Competitiveness and SME Programme will replace the previous CIP and have a budget of EUR2.. 4 billion available in that period of time.. The program will focus primarily on measures aimed at promoting dynamic and internationally competitive SMEs.. Measures proposed for financing under the new Programme are Access to Financing - Financial instruments for growth, Strengthening the Competitiveness and Sustainability of EU Industry, Market Access and Promotion of Entrepreneurship.. The European Investment Bank will be in charge of the implementation of activities under the measure Financial Instruments for Growth, while the Executive Agency for Competitiveness and Innovation (or its successor in the new financial perspective) will be responsible for the implementation of other measures..

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    Archived pages: 1113