Corporate Customers
Combining international know-how and local presence
When doing business abroad, it is not enough to be familiar with economic situation of a host country, it is also important to know its legal and political environment. Erste & Steiermärkische Bank provides you both with valuable local knowledge and international expertise of the Erste Bank Group. On the Croatian market we are known as a bank which has combined the know-how of a number of reliable regional banks with a long tradition of doing business in Croatia. Within the Erste Bank Group, its members pool their local expertise together, thus creating synergies and providing added-value for the customers interested in doing business in the Central and Eastern Europe. We are particularly proud of our EU enlargement expertise organized in a network of EU offices in every Group member. Building on all of this, we offer you not only a wide range of products, but also solutions which are specially tailored to meet your specific needs. Regardless of the chosen location in Croatia, we guarantee that you will receive a comprehensive first-rate service. For us this means special attention, expert advice and customized support for all your projects. This makes Erste & Steiermärkische Bank the right bank for business in Croatia.
Corporate Banking Products and Services
| Product/Service | Your needs and requirements | Erste & Steiermärkische Bank offer |
|---|---|---|
| Financing & Lending Operations Short - term |
Liquidity maintenance, financing working capital and export | Short term loan, Overdraft, Revolving loan, Working capital loan, Export deals loan, Bill of Exchange Discounting |
| Quick procedures in short term financing | Short term limit | |
| Financing & Lending Operationsbr Long - term |
Long term financing of working capital | Permanent working capital loan |
| Commercial real estate development | Construction loan | |
| Modernization, business expansion, acquisition of business and storage facilities, land, cars, vessels | Investment loan | |
| Financing investments and national companies export | Subsidized facilities in cooperation with HBOR and Croatian Government | |
| Documentary Business | Payment postponement, support in getting and performing new deals | HRK Bank guarantees |
| Payment postponement, good cooperation with international partners, providing security in import - export deals | Letters of credit, Foreign currency Bank guarantees | |
| Quick procedures in documentary business | Short-term limit for letters of credit / guarantees | |
| Payment Operations and Cash Management | Simple and fast payments with favourable fees | HRK and foreign currency accounts |
| Domestic payment operations | FINA & Bank's branches, Erste NetBanking | |
| Cash withdrawal, cash payment | FINA and Bank's branches, ATMs, 24h vault, ATMs with depository function | |
| Account balance information and transaction reporting | Erste Fon, Erste SMS, Erste NetBanking | |
| Financial transactions, overview of all accounts' balances, lower fees, highest level of security, 24/7 access regardless of the location | Erste NetBanking | |
| Lower bank charges, less administration, efficient cash management | Standing order, Cash pooling | |
| Cards | Cashless payments worldwide, transparent management of business expenses, travel insurance | Visa Business & Corporate and MasterCard Business credit cards |
| Chip technology, financial flexibility | MasterCard Business debit card | |
| Treasury Products | Investment in money market products, securities, derivatives and structured products, regarding desirable yield and level of risk | HRK, foreign currency and currency clause deposits, FX, overnight deposit, FX SWAP, Treasury bills and commercial bills, bills of exchange, repo deals, bonds, derivatives, Credit Link Notes & Capital Guaranteed Products |
| FX hedge | Forward, Non-Delivery FX Outright Forward, options | |
| Erste Group | Investment banking | Erste Securities |
| Investment funds | Erste Invest | |
| Movable property and real estate leasing, "sale and lease back" | Erste & Steiermärkische S-Leasing S Immorent Leasing International Holding |
|
| Safe and sufficient income after retirement | Pension funds | |
| Life insurance | Erste insurance | |
| Short-term financing based on repurchase of undue Accounts Receivable | Erste Factoring | |
| Real estate brokerage and property appraisals | Erste Nekretnine Real Estate Agency |
