06.07.2026.
The Croatian Bank for Reconstruction and Development (HBOR) has launched three new loan programmes to support investments in digital transition, green transition and projects in the area of defence and security. These programmes were introduced following the enactment of the new HBOR Act and the Bank’s capital increase in June this year, which created the preconditions for more robust financing of development investments in the Croatian economy and the public sector.
The capital increase raised HBOR’s founder’s capital by EUR 980.7 million, bringing the total to EUR 1.91 billion. Of the total increase, EUR 410 million was provided from the National Recovery and Resilience Plan (NRRP), and these funds will be used to finance the new loan programmes.
The programmes are intended for private-sector business entities of all sizes and for public-sector entities engaged in economic activities. They finance investments in tangible and intangible fixed assets with the option to finance working capital up to 30 percent of the contracted loan amount.
The programme of Investments in Digital Transition is intended for financing strategic digital projects and will be implemented through direct HBOR loans and in cooperation with commercial banks. The programmes of Investments in Green Transition and Investments in Defence and Security will be implemented exclusively through direct HBOR loans.
Loans are approved with a repayment period of up to 20 years, with the possibility of a grace period of up to three years, depending on the purpose of the investment. The fixed interest rate for private sector entities is 2.0 percent p.a. for loans of up to EUR 400,000, whereas for loans above EUR 400,000, borrowers can receive an interest rate subsidy, with the final interest rate not being lower than 1.5 percent p.a. For public sector entities, the fixed interest rate is 1.5 percent p.a.
“These programmes are not only new lending products, but also the confirmation of the strengthening of HBOR’s development role. Owing to additional capitalisation, we can support financially more ambitious and capital-intensive projects and provide Croatian entrepreneurs and the public sector with long-terms sources of financing for investments that increase productivity, competitiveness and resilience of the Croatian economy“, said Hrvoje Čuvalo, the President of HBOR’s Management Board.
The Croatian Bank for Reconstruction and Development (HBOR) has launched three new loan programmes to support investments in digital transition, green transition and projects in the area of defence and security. These programmes were introduced following the enactment of the new HBOR Act and the Bank’s capital increase in June this year, which created the preconditions for more robust financing of development investments in the Croatian economy and the public sector.
The capital increase raised HBOR’s founder’s capital by EUR 980.7 million, bringing the total to EUR 1.91 billion. Of the total increase, EUR 410 million was provided from the National Recovery and Resilience Plan (NRRP), and these funds will be used to finance the new loan programmes.
The programmes are intended for private-sector business entities of all sizes and for public-sector entities engaged in economic activities. They finance investments in tangible and intangible fixed assets with the option to finance working capital up to 30 percent of the contracted loan amount.
The programme of Investments in Digital Transition is intended for financing strategic digital projects and will be implemented through direct HBOR loans and in cooperation with commercial banks. The programmes of Investments in Green Transition and Investments in Defence and Security will be implemented exclusively through direct HBOR loans.
Loans are approved with a repayment period of up to 20 years, with the possibility of a grace period of up to three years, depending on the purpose of the investment. The fixed interest rate for private sector entities is 2.0 percent p.a. for loans of up to EUR 400,000, whereas for loans above EUR 400,000, borrowers can receive an interest rate subsidy, with the final interest rate not being lower than 1.5 percent p.a. For public sector entities, the fixed interest rate is 1.5 percent p.a.
“These programmes are not only new lending products, but also the confirmation of the strengthening of HBOR’s development role. Owing to additional capitalisation, we can support financially more ambitious and capital-intensive projects and provide Croatian entrepreneurs and the public sector with long-terms sources of financing for investments that increase productivity, competitiveness and resilience of the Croatian economy“, said Hrvoje Čuvalo, the President of HBOR’s Management Board.