Strategic Financing HBOR focuses on long-term SME investments with up to 17 years repayment, plus shorter working capital loans up to 6 years, signaling opportunities to offer tailored lending solutions, credit structuring, and EU fund-backed finance programs to Croatian SMEs across growth and export readiness.

Export Credit Potential HBOR provides export credit insurance and guarantees, including coverage for bank-enabled export credit, indicating cross-sell opportunities for trade finance products, risk protection packages, and partnerships with banks to expand export-led financing.

Equity & VC Alignment Recent activity around equity investment programs, alternative investment funds, and private equity market development shows a window for collaboration on venture capital, growth capital, quasi-equity, and co-financing for Croatian startups and scaleups.

Sustainability Focus HBOR emphasizes investments that create employment, boost competitiveness, drive innovation, adopt new technologies, and reduce environmental impact, presenting opportunities to position green finance, climate-tech funding, and sustainable business models to client portfolios.

Infrastructure & Trade Participation in Three Seas Initiative and infrastructure fund development points to opportunities to assist clients in infrastructure projects, cross-border supply chains, and export-oriented ventures needing project finance, guarantees, and structuring support.