National reference rate (NRR)

Published: 29/5/2020
Q1 2020.
(%)
NRR1 NRR2 NRR3
HRK EUR HRK EUR HRK EUR USD CHF
3M 0,21 0,17 0,15 0,15 0,20 0,28 0,34 0,04
6M 0,23 0,19 0,16 0,17 0,21 0,30 0,34 0,05
12M 0,27 0,22 0,19 0,19 0,24 0,32 0,38 0,05

The national reference rate (NRR) is an implicit interest rate serving as an index to determine the variable part of the variable interest rate in financial contracts. The Croatian National Bank computes the NRR using data on interest expenses and the main funding to which these interest expenses refer, which the CNB regularly collects from banks and savings banks. The quality of the NRR computation process is ensured by input data checks, internal procedures in place and regular audits of data check procedures. The NRR and additional data used for its computation are published quarterly on the CNB's website.

Natural and legal persons may direct their inquiries to the following e-mail address: info@hnb.hr.