| Abstract | Rad analizira kreditnu ponudu Addiko banke za poslovne subjekte, odnosno obrte i društva
s ograničenom odgovornošću. Addiko banka u Hrvatskoj posluje od 1996. godine i definira
se kao banka orijentirana upravo na kreditiranje malog i srednjeg poduzetništva na području
srednje i jugoistočne Europe. Kod kreditiranja poslovnih subjekata, iste ne razlikuje prema
ustroju, već prema veličini, tako da nema razlike među obrtima i društvima s ograničenom
odgovornošću, već se za svaki poslovni subjekt, bez obzira na njegov ustroj, analiziraju
financijski i drugi pokazatelji te se na temelju toga donosi odluka o odobrenju kredita i
uvjetima kreditiranja, ukoliko se kredit odobri. U pravilu za poduzetnike, Addiko banka
nudi kredite u minimalnom iznosu od 1.000 eura i maksimalnom iznosu do 500.000 eura,
na minimalni rok otplate od jedne godine i maksimalni do 5 godina. Krediti su dostupni i za
klijente koji nemaju poslovni račun u Addiko banci, no oni koji imaju, imaju pogodnije
uvjete. Obrtnike banka tretira, kada je u pitanju kreditiranje, kao pravne subjekte, no ako
obrtnik iz nekog razloga kao poslovni subjekt ne može ostvariti kredit, tada može zatražiti
kreditiranje kao fizička osoba. Za mikro i male poslovne subjekte, u koje obrtnici najčešće
spadaju, kreditiranje kod pokretanja poslovanja može biti otežano, no u tom slučaju banka
nudi povoljnije kreditiranje u suradnji s državnim institucijama kao što su HBOR i
HAMAG-BICRO. U tom slučaju kamatne stope mogu biti značajno niže. Addiko banka za
financiranje obrtnih sredstava poslovnim subjektima nudi sljedeće kredite: kratkoročni
kredit s korištenjem po principu prekoračenja po transakcijskom računu – overdraft,
revolving kredit, kredit za obrtna sredstva i okvir za financijsko praćenje i limit. Uz to,
poslovnim subjektima koji su njeni klijenti banka nudi i druge vrste financijske podrške u
vidu kreditnih kartica, paketa uz transakcijski račun, zaštitu od tržišnih rizika i dr. |
| Abstract (english) | The paper analyzes the credit offer of Addiko bank in Croatia for business entities - small
craft businesses and limited liability companies. Addiko bank has been operating in Croatia
since 1996 and defines itself as a bank focused on lending to small and medium-sized
businesses in Central and Southeastern Europe. When lending to business entities, they are
not differentiated by structure, but by size, so there is no difference between cratf businesses
and limited liability companies, but for each business entity, regardless of its structure,
financial and other indicators are analyzed and based on that bank makes a decision on credit
approval and credit conditions, if the credit is approved. As a rule, for entrepreneurs, Addiko
bank offers loans in the minimum amount of 1,000 euros and the maximum amount of up
to 500,000 euros, with a minimum repayment term of one year and a maximum of 5 years.
Loans are also available for clients who do not have a business account in Addko bank, but
those who do have more favorable conditions. When it comes to lending, the bank treats
crafts as legal entities, but if for some reason the ovner of craft business cannot obtain a loan
as a business entity, then he can request credit as a citizen. For micro and small businesses,
which craft businesses mostla are, lending when starting a business can be difficult, but in
that case the bank offers more favorable lending in cooperation with state institutions such
as HBOR and HAMAG-BICRO. In this case, interest rates can be significantly lower.
Addiko bank offers the following loans to business entities for financing working capital:
short-term credit with the use of an overdraft on a transaction account, revolving credit, loan
for working capital and a framework for financial monitoring and limit. In addition, the
bank offers business entities that are its clients other types of financial support in the form
of credit cards, packages with a transaction account, protection against market risks, etc. |
