Sustainable Growth HBOR focuses on financing sustainable social and economic development, with emphasis on job creation, competitiveness, innovation, and environmental impact reduction. This signals opportunities for tailored loan products and advisory services for SMEs pursuing sustainable expansion, green tech adoption, and export-oriented growth.

Export Financing As a national export credit agency offering export credit insurance, guarantees, and letters of credit, HBOR presents cross-selling potential with banks and exporters seeking risk mitigation, working capital, and financing for international trade and expansion into new markets.

Venture and PE Facilitation HBOR has active initiatives with the EIF and internal funds aimed at venture capital, private equity, and alternative investment funds, signaling sales opportunities in fund management partnerships, co-investments, and advisory services for early- to growth-stage Croatian companies seeking equity and quasi-equity financing.

Strategic Partnerships Recent Memoranda and participation in initiatives like the Three Seas Initiative point to opportunities for collaboration on infrastructure, regional projects, and fund-backed programs, enabling joint financing structures and public-private partnerships that could extend HBOR’s reach.

Technology and Outreach HBOR’s tech stack (Cloud, WordPress, Atlassian, Office 365, etc.) and active online presence suggest readiness for digital financing platforms, partner portals, and streamlined application workflows, offering a path to provide integrated digital banking solutions and improved customer experience for SMEs.