HAMAG-BICRO
Ksaver 208
10000 Zagreb
Croatia
+ 385 1 488 1003
+385 1 488 1009
aecm@hamagbicro.hr
https://en.hamagbicro.hr/
The Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) was founded to support the development of SMEs, innovation process and investments. The Agency’s activities are within the competence of the Ministry of Economy, Entrepreneurship and Crafts. During its 25 years of operation, HAMAG-BICRO has been committed to growth and development of SMEs and crafts in Croatia by facilitating their access to finance. The Agency’s main objective is in the strategic creation of a unique system that provides support to entrepreneurs through all development stages of operation – starting from research and development of an idea to commercialization and placement on the market. Its services include: grants, micro and small loans, individual and portfolio guarantees issuing. The Agency also provides financial support to innovative and technology-oriented enterprises.
| Year of creation individual entities or association | 1994 |
| Type of organization National Promotional Bank (NPB), National Promotional Institution (NPI), Private, Mutual, Mixed | NPI |
| Type of scheme guarantee or counter-guarantee | Guarantee, Loans and grant schemes |
| Product typology guarantee or counter-guarantee or co-guarantee | Guarantee, Loans and grant schemes |
| Ownership i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models | Fully public |
| Shareholder structure Private / Public (in %) | 100% public |
| Legal form of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc. | Development agency |
| Legal form of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc. | Development agency |
| Structure / Network i.e. central scheme with regional offices, central scheme only, association network | Central scheme only |
| Geographic coverage i.e. local, regional, national | Local, Regional |
| Sectorial focus i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc. | SMEs and crafts |
| Size of businesses supported i.e. large companies, SMEs, micro-enterprises, independent/self-employed | SMEs, Micro-enterprises, Independent/Self-employed |
| Supervision statute i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members | Under the supervision of the Ministry of Economy, Entrepreneurship and Crafts |
| Profit / Non-profit oriented dividends to public shareholders are not considered as profit orientation | Non-profit oriented |
| Do you benefit from a counter-guarantee at local, regional or national level? Local level or Regional level or National level | No |
| Are you/your members financial intermediary for EU-programmes? CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020 | CIP/COSME, Structural funds - ESIF; ERFD; EAFRD |
| Types of guarantee products provided by your organisation/your members | Loan default guarantees, Working capital loan guarantees, Leasing guarantees, Project guarantees, Export guarantees |
| Other SME support instruments offered by your organisation/your members Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services | Subsidized loans, Venture capital, Coaching |
| Is the activity subject to state aid regulation? | Yes |
| Do you (your members) use..? De minimis or GBER or Regional guidelines or Notification | De minimis, GBER, Regional guidelines and Notification |
| Do you (your members) dispose of an internal rating/scoring system? | Yes |
| Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)? | Yes |
| Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)? | No |
