HBOR operates as a development bank rather than a traditional commercial bank. Its main mission is to stimulate economic progress by providing financial support for strategic projects and business initiatives. The bank focuses on financing reconstruction and development projects, supporting exports, promoting innovation, and strengthening the competitiveness of Croatian companies. It also provides funding for infrastructure development and environmental protection initiatives that contribute to sustainable economic growth.
The bank offers a wide range of financial services designed primarily for entrepreneurs, small and medium-sized enterprises, large corporations, and public sector organizations. These services include long-term loans for investment projects, guarantees for business activities, export credit insurance, and participation in venture capital and private equity funds. Through these financial instruments, HBOR helps companies secure the funding needed to expand operations, develop new products, and enter international markets.
HBOR also collaborates closely with commercial banks, international financial institutions, and European Union programs in order to increase access to financing for Croatian businesses. Many of its programs support innovation, technological development, and sustainable projects, including investments in renewable energy, environmental protection, and digital transformation.
As a state-owned financial institution, HBOR is fully owned by the Republic of Croatia and operates according to national economic development strategies. The bank plays a crucial role in implementing government initiatives aimed at strengthening the national economy and supporting regional development.
Overall, HBOR serves as a key financial partner for businesses and institutions in Croatia. By providing development financing, export support, and investment programs, the bank helps stimulate economic growth, encourage entrepreneurship, and improve the competitiveness of the Croatian economy.
