Croatian Bank for Reconstruction and Development (HBOR) is the national promotional and export bank, and export credit agency with a task of supporting sustainable economic growth pursuant to the overall strategic goals of the Republic of Croatia.
Via different financing programmes, HBOR supports SMEs, infrastructure projects, tourism, industry, agriculture, environmental protection, energy efficiency and renewable energy resources as well as export. HBOR also gives loans for incentives to SME start-ups and loans to improve liquidity, loans for innovations and new technology projects.
As an ECA, HBOR provides insurance and reinsurance of export against non-marketable risks. By establishing the Croatian Credit Insurance JSC (HKO) for commercial credit insurance, HBOR Group was incorporated.
HBOR is a member of different associations, clubs and other institutions that share a similar background and similar interests committed to global development. The Bank also co-operates with the export credit agencies, international banks and supranational institutions to meet the needs of Croatian entrepreneurs.

✓ Financing of the economy (on its own behalf)
✓ Export finance: pre- and post-shipment export finance, supplier/buyer credit, credit lines (on its own behalf)
✓ Bank guarantees (on its own behalf)

✓ Export credit insurance: pre-export financing insurance, pre-shipment insurance, guarantee insurance, ST insurance & reinsurance, MLT insurance (supplier & buyer credit insurance) (on behalf of the Republic of Croatia)

Founded: 1992. HBOR started providing export credit insurance in 1998 which has been provided on behalf of the Republic of Croatia. Therefore, HBOR acts as national export credit agency.
Ownership: 100% State-owned