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Credits / Loans

In order to provide quality financial support regarding requirements of the clients, BOR Bank has based its business strategy on a wide range of loans tailored for different needs of the customers, depending on the purpose, time limit, customer creditworthiness and the quality of security measures.

The bank is ready for contracting special arrangements reserved for the customers of the Bank. Therefore we are inviting you to join the winning group.

SHORT-TERM LOANS

Credit line from the Bank's own resources

Loan Options:

  • Preparation of export, import for exporting, export
  • Revolving loans
  • Loans on a onetime basis

Repayment period: up to 1 year

Collateral: in accordance with the standard banking procedures

Credit line from the Counterpart Fund assets

Loan Options:

  • Recovery and development of production and production services in the Federation of Bosnia and Herzegovina.
  • Financing production of export-oriented companies.
  • Financing of fixed and working assets.
  • Refinancing of existing loans and other liabilities, not exceeding 50% of the loan amount, if the Bank evaluates it as acceptable.

Credit amount: 50,000.00 BAM – 1,000,000.00 BAM

Repayment period: on the revolving basis up to 1 year with possibility of extension of up to 7 years.

Interest Rate:

  • 6% p.a. for the agricultural industry
  • 6.5% p.a. for the export-oriented programs and processing industry in the agriculture
  • 7% p.a. for the rest of the processing activities
  • 8% p.a. for other activities

The effective interest rate (EIR) for the revolving loan is equal to the nominal interest rate.

Collateral: In accordance with standard banking procedures.

LONG-TERM LOANS

We are pleased to inform all legal entities that the credit line, that the Bor Bank dd Sarajevo, as a participant in the Project „EAF SME“, led by the World Bank and the Government of Federation of Bosnia and Herzegovina, is implementing, is extended to the additional sectors. Therefore, we are inviting all interested parties to nominate their projects in accordance with the specified eligible criteria.

The main goal of the project is ENHANCING SME ACCESS TO FINANCING RESOURCES.

ELIGIBLE ENTERPRISES

Only enterprises that fulfill the following conditions may nominate their investment projects:

  • More than 50% of the enterprise shares must be owned privately, and the enterprise must have less than 250 employees.
  • Annual turnover of the enterprise must not exceed BAM – equivalent value of 50 million of Euros, nor its assets could exceed BAM – equivalent value of 43 million of Euros.
  • Enterprise must be active for more than two years.
  • Enterprise must be registered at the authorized tax administration office and have corresponding tax number.
  • Enterprises that belong to the following economic sectors:
    • Construction industry in the domain of procurement of all types of equipment.
    • Catering (restaurants and all other forms of production and food preparation for current consumption and for further distribution).
    • Tourism (expansion and modernization of tourist capacities in order to improve the tourist offer).
    • Freight and passenger transport.
    • Education.
    • Public private institutions (private nursery school for the children, residential homes /for elderly and infirms/).
    • Other (Projects of purchase and processing of medical herbs, printing services, IT, environmental protection projects, trading exclusively in the domain of projects of production for own use and other markets).

Credit line from the Bank's own resources

Purpose: Financing of fixed and current assets

Repayment period: up to 8 years

Collateral: In accordance with standard banking procedures

Interest rate: depends on the purpose and type of business

Credit lines from the Countervalue Fund assets

Loan Options:

  • Recovery and development of production and production services in the Federation of Bosnia and Herzegovina.
  • Financing production of export-oriented companies.
  • Financing of fixed and current assets.
  • Refinancing of the existing loans and other liabilities, not exceeding over 50% of the loan, if the Bank evaluates it as acceptable.

Credit amount: 50,000.00 BAM – 1,000,000.00 BAM

Repayment period: up to 8 years, with a grace period of up to 1 year and a grace period for the primary agricultural production of up to 3 years.

Interest Rate:

  • 6% p.a. for the agricultural industry, 6.43% EIR
  • 6.5% p.a. for the export-oriented programs and processing industry in the agriculture, 6.96% EIR
  • 7% p.a. for other processing activities, 7.49% EIR
  • 8% p.a. for other activities, 8.57% EIR

* EIR is calculated for the maximum amount, the maximum loan repayment period and grace period of up to 12 months.

Collateral: In accordance with the standard banking procedures.

CREDIT DOCUMENTATION

Required documentation for applying for a loan – guarantee arrangement:

  1. Request for a loan/guarantee.
  2. Certified copy of the Court Registration with the information about all status changes.
  3. Certified copy of the Notice from the Bureau of Statistics on classification of business and other subjects by the related business, wherein is provided identification number.
  4. Certificate from the Ministry of Foreign Trade about registration in the Unique Register for performing of foreign trade business.
  5. Certified copies of periodic and final financial reports (Balance Sheet and Income Statement) as certified by the company and by tax administration for the previous two years.
  6. Audit report about business operations in the previous year for companies that have statutory obligation.
  7. Names of the banks at which transaction accounts are opened and numbers of these accounts, account card for the last three months, card register of deposited signatures of authorized persons.
  8. Copies of ID documents with residence registration of responsible persons and biographies of the owners and the leading managers of the company
  9. Copies of at least two utility bills (electricity, landline phone, gas, or similar) that prove that control of the customer's address was performed.
  10. Signed agreement for control of the client / legal entity – guarantor in the Central Register of Loans and in the Central Register of Transaction Accounts.
  11. Investment program with a short description of the former company’s business (for long – term loans).
  12. Tax Administration certificate and Indirect Taxation Authority certificate (non)existing tax liabilities, not older than 7 days.
  13. Business plan and projections, including Balance Sheet and Income Statement and cash flow for a period of loan duration.
  14. Evidence of the insurance of the own funds.
  15. Statement from the authorized person that there is (not) any ongoing judicial proceedings against the company for collection of the debt.
  16. Collateral documentation – description of security measures (collaterals) e.g. for real estate it is necessary to have evidence about ownership and estimation for market value of real estate property.

Our customers are free to ask for any other necessary documentation during the analysis of the request.