Bank with its domestic and foreign clients seeking to maintain long-term business relationship, in accordance with the business strategy, the emphasis is on project financing.
The amount of the loan, the repayment period and the security instruments are determined in accordance with the needs and the possibility of repaying the loan of each individual client.
The following documentation is required for loan approval analysis:
Status legal documentation
- Decision on the entry into the Court register of the Commercial Court for companies
- Report on the classification of the company according to National Classification of the Central Bureau of Statistics
- Certificate of assigned OIB
Financial documentation
- Balance sheet, Profit and Loss Account for the previous 3 years and on the last day of the previous quarter
- Income tax return for the previous 3 years
- Notes to the financial statements for the previous 3 years / audit reports
- Gross balance for the previous 3 years and on the last day of the previous quarter
- Filled table customers / suppliers / loans at 31.12. and on the last day of the previous quarter
- Solvency form (BON-2) not older than 15 days
- E-bookkeeping certificate of the Tax Administration not older than 15 days
Contract documentation
- List of contracted jobs / order book / reservation overview
- Copies of the lease / concession agreement
- Copies of contracts with the largest customers
Other documentation
- Filled planned Profit and Loss Account
- Extract from the Land registry no older than 15 days
- Evaluation of real estate / movables offered in credit insurance, not older than two years
- Overview of related parties / Group structure
- Questionnaire on the property for all owners of companies / co-debtors on the loan
According to the specifics of the financing or specific projects, it is possible need for additional documents.
