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Section 2 introduces the reader to the rel- evant literature, presents the uncertainty

May 12, 2016 1:40 PM

This halted the several-year long downward trend in the relative indebtedness of...As a result, the average loan-to-value ratio (LTV) has been...

Mar 7, 2025 3:12 PM

Credit institutions’ interest rate statistics for July 2023

Short-term deposits recorded a growth of 2.73 percentage points relative to July

Aug 31, 2023 12:07 PM

Boris Vujčić participated in the panel "How to Accelerate Green, Resilient and Inclusive Global Growth" at the World Economic Forum in Davos

the Governor pointed out that this led to the elimination of currency risk, relatively

Jan 17, 2024 6:24 PM

Credit institutions’ interest rate statistics for January 2024

and long-term deposits went up by 2.12 and 0.91 percentage points respectively relative

Feb 29, 2024 10:45 AM

ECB publishes experimental statistics on household wealth distribution for Croatia

Croatia stood at EUR 103.3 thousands at the end of the third quarter of 2024, relative

Mar 21, 2025 1:02 PM

Why does the CNB maintain the exchange rate stability?

HNB,mp

Jun 5, 2020 11:49 AM

Comments on monetary developments for August 2021

On an annual level, the growth rate of M4 shows a stronger seasonal increase relative

Sep 29, 2021 2:42 PM

Comments on monetary developments for April 2022

of monetary aggregates continued to slow down, with M4 continuing to boast relatively

May 31, 2022 9:59 AM

Prospective structural reforms in the path towards the euro

and low, while the benefits of the introduction of the euro are permanent and relatively

Jan 26, 2018 4:00 PM

CNB researchers' papers presented at the Challenges of Europe conference

the lower capacity utilisation is more evident in smaller institutions with relatively

May 24, 2019 2:46 PM

CNB Council: New monetary projection adopted

initiated against Croatia in the context of the Stability and Growth Pact and the relatively

Aug 3, 2015 10:33 AM

e-List_of_legal_forms.xlsx

Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV REL...Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV...

May 16, 2022 7:46 AM

What can CNB do for consumers – credit institutions' clients?

"Consumer protection is a relatively new area of central banking, which started to

Dec 13, 2018 1:07 PM

The CBS and the CNB developed a house price index for Croatia

The relative importance of these areas in the two indices is very different; while

Jan 20, 2016 10:23 AM

CNB: below-average costs, above-average profit

(0.09% of GDP) are compared to the operating costs of central banks with a relatively

Mar 14, 2016 5:58 PM

How strong is a pass-through of ECB policy rates to bank interest rates in Croatia?

deposit base, the role of deposits as the dominant source of bank financing, the relatively...deposit base, the role of deposits as the dominant source of bank financing,...

Aug 2, 2023 2:18 PM

Past crisis experience to combat future crises

National Bank) suggest that in the crisis period banks were inclined to grant relatively...more loans to firms to which they already had relatively...

Aug 3, 2015 10:32 AM

Macroprudential Diagnostics No. 22

The relatively mild increase in interest on new housing loans in Croatia in comparison...The capitalisation of credit institutions remained...

Feb 22, 2024 3:33 PM

ebilt58.pdf

did not intervene on the foreign exchange market in February to slow down the sliding

Jun 30, 2015 2:34 PM

e-gi-2012.pdf

Goods transport also fell rel- ative to 2011 in almost all types of transport....In rel- ative terms, bonds with shorter remaining maturities...

Jun 30, 2015 12:37 PM

s-017.pdf

macroeconomic imbalances in Member States and which indicators would be considered rel

Jul 4, 2015 5:06 PM

Comments on monetary developments for July 2022

Despite the relatively strong growth in housing loans in July, their growth slowed

Aug 30, 2022 10:01 AM

Preparations for the introduction of the euro may begin

The benefits of the introduction of the euro for Croatia are permanent and relatively

Oct 31, 2017 11:10 AM

Comments on the balance of payments and the international investment position in 1Q 2018

net liabilities in the financial account resulted in a deterioration of the relative

Jun 27, 2018 9:52 AM

Low inflation, stable banking system

further worth mentioning that in conditions of high foreign exchange inflows and relatively

Aug 3, 2015 10:29 AM

Results of the financial literacy survey in the Republic of Croatia

financial knowledge and financial behaviour shows that Croatian citizens, though relatively

Feb 4, 2016 4:10 PM

Macroprudential Diagnostics No. 24

Figure 7 The amount of fiscalised invoices is still growing relatively strongly Source...in interest expenses in the second quarter, led to lower net interest income...

Oct 24, 2024 10:20 AM

e-gi-1996.pdf

Deputy Governor Rel j a Martie, Vice Governor Dragutin Zaninovic, Vice Governor...2.6 Public wa ter management fund A.

Mar 2, 2017 8:54 AM

Day one or one day, or how does climate change interfere with the central banks' main tasks?

of climate change on financial stability, while more attention was paid only relatively...articles mentioned how climate-related risks may have an impact on inflation,...

Jun 16, 2023 11:11 AM

The European Central Bank releases climate change indicators for Croatia

The methods currently applied for imputation are relatively simple, and some missing...However, they do provide valuable insights for assessing...

Dec 3, 2025 2:08 PM

Macroprudential Diagnostics No. 3

Notably, banks in Croatia still have a relatively high non-performing loan ratio...Moreover, similar developments were observed in the specific indicator of...

Oct 23, 2017 8:00 AM

ebilt143.pdf

cannot be directly compared, but their development can be analy ed.s 6 8/0 9/0812...cannot be directly compared, but their development can be analy ed.s 6 8/0...

Jun 30, 2015 2:44 PM

Release of the statistical data on deposits and loans of credit institutions for September 2023

at EUR 14.5bn and in the third quarter of 2023 grew by EUR 0.1bn (0.9%), and relative

Oct 31, 2023 9:58 AM

Comments on the balance of payments and international investment position in 3Q 2019

Goods imports slowed down even more, growing at an annual rate of 4.1%, relative

Dec 30, 2019 2:28 PM

Comments on the balance of payments and the international investment position in 4Q 2016

rose sharply, while net revenues from tourism fell slightly as a result of a relatively

Mar 28, 2017 10:58 AM

Jacques de Larosiere Lecture - The Transition Process: It's All About People Isn't it

Relatively soon, they approximated to returns in many market economies....Today, most transition economies have managed to have relatively modest...

Sep 22, 2015 2:47 PM

s-030.pdf

While EU member states do have a common budget at their disposal, it is rel- atively

Jan 11, 2018 11:31 AM

w-036.pdf

The rel- atively rare changes of the main product’s price suggested by the survey

Jul 4, 2015 6:01 PM

Release of the statistical data on deposits and loans of credit institutions for December 2023

grown by EUR 0.1bn (0.9%) in the fourth quarter of 2023 and by EUR 0.9bn (6.3%) relative

Jan 31, 2024 11:34 AM

Release of statistical data on the balance of payments, gross external debt position and international investment position for the first quarter of 2024

The relative indicator of the net international investment position fell from –22.0%

Jun 27, 2024 2:11 PM

Release of statistical data on the balance of payments, gross external debt position and international investment position for the third quarter of 2024

The relative indicator of the net international investment position improved from

Dec 30, 2024 9:58 AM

Vienna Initiative provides key platform for financial sector dialogue amid Coronavirus

out a much stronger position of banks, both in terms of capital and liquidity, relative

Jun 15, 2020 12:55 PM

Comments on the balance of payments and the international investment position in 1Q 2020

accounts of net direct and portfolio investments, the financial account recorded a relatively

Jun 30, 2020 9:54 AM

Effect of the War in Ukraine on Consumer Price Inflation

This is a consequence of a relatively large share of food in the consumer basket

Jun 27, 2022 1:29 PM

Digitalisation is an opportunity to rationalise costs

Digitalisation has offered banks an opportunity to rationalise costs, while the relatively

Nov 13, 2019 10:57 AM

Macroprudential Diagnostics No. 9

extension of the initial maturities of loans, whose individual amounts are relatively...This led to a further decrease in the standardised relative...

Oct 14, 2019 1:08 PM

ebilten-o-bankama-10.pdf

concentration appraisal proceedings) the definition of the product dimension of the rel...analysed countries both in relation to defining a bank’s leading position in the...

Jun 30, 2015 4:03 PM

Macroprudential Diagnostics No. 10

Corporate and household debt are still relatively high in a CEE perspective, which...The downward trend in the standardised indicator of relative...

Feb 13, 2020 9:44 AM

Comments on the balance of payments and the international investment position in 2Q 2017

The net international investment positon stood at EUR –33.3bn, while the relative

Sep 28, 2017 2:52 PM

Comments on the balance of payments and the international investment position in 1Q 2019

financial account of the balance of payments resulted in a deterioration of the relative

Jun 28, 2019 10:43 AM

ebilten-o-bankama-3.pdf

Group III made the largest rel- ative placement in foreign currency denominated CNB

Jun 30, 2015 4:02 PM

w-001.pdf

Transition started with an initial monetary overhang, distorted rel- ative prices

Jul 4, 2015 4:29 PM

s-034.pdf

above their sustainable level are leading to higher risk premium levels, while rel

Sep 25, 2018 9:22 AM

Revision of financial accounts statistics

Relative to the total financial assets and liabilities of the domestic economy, financial

Oct 25, 2024 12:26 PM

Change in the publication of loan quality data – new table SP8 Loan quality

cash loans Of which: Overdrafts Explanations of specific changes in table SP8 relative

Dec 2, 2019 5:18 PM

How reserves managers adapted to Covid-19

If a relatively modest drop is sufficient to ensure safety and liquidity, it begs

May 31, 2021 2:49 PM

30 years of the CNB's monetary policy

With its securities purchase programme the CNB joined a relative small group of central

Dec 16, 2021 5:22 PM

CNB Council: CNB requests the opening of bankruptcy proceedings against Centar banka

foreign currency reserves, the minimum required amount of foreign currency claims relative

Aug 3, 2015 10:33 AM

e-fs-24.pdf

Stress in the domestic financial market holds steady at rel- atively low levels,...resolution measures or the exercise of powers for write-down and conversion of...

Jul 21, 2023 3:38 PM

e-fs-25

Invest- ment activity in the office space segment has returned to rel- atively low...the macro- prudential policy since excessive lending to households paired with...

Jul 9, 2024 11:56 AM

e-gi-2000.pdf

Besides, in terms of purchasing power, $42 per barrel in 1980 and $30 per bar- rel...in the USA, $42 per barrel in 1980 equals a current price of about $87 per bar- ...

Jun 30, 2015 10:04 AM

Methodology - issuing of payment instruments

The payment is made by sliding the membership card at an EFTPOS terminal at a point...The payment is made by sliding the membership card at an...

Jan 19, 2016 5:14 PM

e-List_of_legal_forms2.xlsx

Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV REL

Apr 3, 2023 5:01 PM

e-List_of_legal_forms3

Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV REL

Jun 27, 2024 3:20 PM

e-List_of_legal_forms4

Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV REL

Sep 17, 2024 2:36 PM

e-list_of_legal_forms_30-9-2025

Publiskās personas un iestādes Public persons and authorities LV801 Latvia LV REL

Jul 4, 2025 3:12 PM

e-gi-2014.pdf

The yield spread on bonds of EU member states was rel- atively stable in 2014 and..., the sharpest fall was recorded in sea water and coastal transport and inland...

Jan 7, 2016 5:04 PM

Governor Vujčić for Reuters

push the core inflation downwards, which is not an easy task as it could imply relatively

Feb 10, 2023 2:10 PM

The 1st Dubrovnik Economic Conference

The number of participants was limited to a relatively small number in order to facilitate

Jun 8, 2015 1:47 PM

Macroprudential Diagnostics No. 11

In the past period, household debt increased due to the relatively strong growth...upcoming period will raise interest expenses, which will additionally increase the...

May 29, 2020 10:25 AM

ebilt115.pdf

Following a strong rise in January, electricity, gas and wa- ter supply slowed down

Jun 30, 2015 2:40 PM

Macroprudential Diagnostics No. 4

Medium-term projections point to a slight slowdown in real activity at relatively...since, despite the decrease, domestic and external vulnerabilities remained...

Mar 6, 2018 2:27 PM

e-gi-2009.pdf

In contrast, Croatian Wa- ters, the Fund for Environmental Protection and Energy...2009 • BANKING SECTOR 81 In line with the amendments to the CRD, the Act and all...

Jun 30, 2015 12:36 PM

Macroprudential Diagnostics No. 12

also associated with a sharper fall in tourist arrivals from countries with a relatively...indebtedness of the corporate sector over the previous years, this sector still...

Oct 30, 2020 11:02 AM

ebilt169.pdf

In response to sliding demand for Jap- anese exports, the Japanese central bank intervened

Jun 30, 2015 2:48 PM

eMKP_15

rences in the contributions of current developments in an individual quarter over a rel

Feb 7, 2024 10:52 AM

e-polugodisnja-informacija-2polugodiste2018.pdf

same period of 2017, due to a much faster growth in total expenditures (12.1%) rel

Jun 24, 2019 3:42 PM

ebilt125.pdf

A decline in production in energy (electricity, gas and wa- ter) supply, observed

Jun 30, 2015 2:42 PM

Governor Vujčić's interview for magazine Diplomacy & Commerce

more broadly, geopolitical tensions on the EU economy appears to have been relatively

Oct 28, 2025 9:20 AM

h-fs-24-2023_podaci.xlsx

Kreditni jaz Spec. jaz (relativni) Spec. jaz (apsolutni) Stand. jaz min. rel.... max. rel. cor 1.rel. cor...

Jul 5, 2023 9:29 AM

w-062

case (lower band of the confidence interval), these numbers fall to a still relatively

Jun 11, 2021 8:56 AM

Governor Vujčić's Parliamentary address

The relative indicator of gross external debt deteriorated due to the rising debt

Mar 4, 2016 12:09 PM

ebilten-o-bankama-28.pdf

off-balance sheet items amounted to HRK 33.3m at the end of the observed period, sliding

Feb 19, 2016 11:12 AM

IMF publishes Press Information Notice on Article IV Consultations with Croatia

percentage points of GDP (on an accrual basis, excluding privatization receipts) relative

Aug 3, 2015 10:28 AM

eMKP_03.pdf

After the outbreak of the crisis, the rel- ative yield on equity investment edged

Jan 15, 2018 2:38 PM

eMKP_04.pdf

Optimistic – baseline The direction of the effects obtained is in line with the rel

Aug 3, 2018 2:33 PM

hMKP_12.pdf

OPEC-a, a u prvim se da- nima rata naglo povećala, povremeno premašujući 130 USD/ba- rel

Aug 8, 2022 1:05 PM

h-ACREF_redovno_izvjestavanje.xlsx

LV701 PPI Publiskās personas un iestādes Public persons and authorities LV801 REL

May 16, 2022 7:52 AM

h-ACREF_redovno_izvjestavanje_31012026

LV701 PPI Publiskās personas un iestādes Public persons and authorities LV801 REL

Oct 8, 2025 11:30 AM

The address of the governor of the CNB Marko Škreb to the Croatian State Parliament

, Honourable Members, Ladies and Gentlemen, It is an honour for me, after a relatively...other cases, there are no easy solutions to bring the rates down; instead, a...

Sep 22, 2015 2:08 PM

Macroprudential Diagnostics No. 13

households decreased considerably after the two strong earthquakes, while the relatively...Given the relatively slow rollout of vaccination, the...

Feb 19, 2021 8:04 AM

List of boxes and analytical annexes

No. 9, September 2019, Box 1 Indirect limit on the amount of loan repayment relative

Feb 26, 2019 5:13 PM

ebilt194.pdf

contracts indi- cate that the price of crude oil could average USD 105 per bar- rel...Nev- ertheless, more favourable government financing conditions...

Jun 30, 2015 2:52 PM

ebilt130.pdf

The rel- atively strong growth of these kuna-denominated revenues in the first quarter...In addition, imports of iron and steel continued to play the major role in the...

Jun 30, 2015 2:42 PM

hbilt88.pdf

tr`i{tu od 29,7 USD, {to je u usporedbi s prosje~nom cijenom od 27,91 USD za ba- rel...smanjenje prosje~ne dnevne cijene sirove nafte tijekom rujna na 26,89 USD za ba-...

Jun 30, 2015 2:37 PM

ebilt124.pdf

effective exchange rate of the kuna19 to appreciate by 0.1% on 28 February 2007 rel...However, when observing and analysing this rel- ative...

Jun 30, 2015 2:42 PM

ebilten-o-bankama-8.pdf

The largest rel- 18 BANKS BULLETIN 8 INDICATORS OF BANKING INSTITUTION OPERATIONS

Jun 30, 2015 4:03 PM

h-polugodisnja-informacija-studeni-2015.pdf

oporavila, pa je u prvom tromjesečju zabilježena prosječna cijena od 53,9 USD za ba- rel

Jan 7, 2016 5:40 PM

Communication of the Croatian National Bank on the beginning of implementation of SEPA direct debits in kuna

about the new SEPA direct debit service, about the advantages of this service relative

Jun 7, 2017 9:38 AM