Priopćenje za medije HRVATSKA POŠTANSKA BANKA, dioničko društvo

Ured Uprave

Jurišićeva 4, HR-10000 Zagreb

Press Release HPB TO LOWER INTEREST RATES ON ALL LOANS TO INDIVIDUALS

Zagreb, 22 May - From 1 July 2015 HPB is cutting interest rates on all current and new variable interest rate loans to individuals, in line with the drop in the national reference rates. In the last year and a half, interest rates were cut by 0.80 to 0.87 percentage points, depending on the type of the loan.

From 1 July 2015 Hrvatska poštanska banka is cutting interest rates on all current and new variable interest rate loans to individuals. In line with the drop in the national reference rates for Euro and Croatian Kuna, applied by HPB in its methodology, the interest rates on the loans with a currency clause will be lower by 0.20, and on the HRK loans by 0.15 percentage points if compared to the currently applied conditions.
HPB is cutting interest rates for the fourth time in the last year and a half (1 January and 1 July 2014, and 1 January and 1 July 2015). If compared to the interest rates effective until 1 January 2014, the Bank will from 1 July 2015 apply interests lower by 0.80 to 0.87 percentage points, depending on the type of a loan.

HPB has cut interest rates on its loans in the last year and a half: Interest rate on home loans with a currency clause will from 1 July 2015 be 5.04% (until 1 January 2014 it was 5.91%), and on HRK home loans it will be 5.65% (until 1 January 2014 it was 6.45%). Green home loans with a currency clause will be approved at the interest rate of 4.54% (until 1 January 2014 it was 5.41%) while for the green HRK loans the Bank will apply the rate of 5.15% (until 1 January 2014 it was 5.95%). The interest rates on the non-purpose loans with a currency clause will be lowered to 8.08% (until 1

January 2014 it was 8.95%) while the HRK loans will be approved at new 8.69% rate (until 1 January
2014 it was 9.49%).
HPB is from 1 July 2015 cutting interest rates also on all other variable interest rate types of loans to individuals.

Hrvatska poštanska banka, dioničko društvo ⋅ Jurišićeva 4, 10000 Zagreb, Hrvatska ⋅ tel.: 072 472 472 ⋅ hpb@hpb.hr ⋅ www.hpb.hr Uprava Banke: Tomislav Vuić, predsjednik ⋅ Dubravka Kolarić, član ⋅ Mladen Mrvelj, član ⋅ Domagoj Karadjole, član ⋅ predsjednik Nadzornog odbora: Dražen Kobas ⋅ IBAN: HR46 2390 0011 0700 0002 9 ⋅ SWIFT: HPBZHR2X ⋅ OIB: 87939104217 ⋅ Upis kod Trgovačkog suda u Zagrebu pod br. MBS: 080010698 ⋅ Temeljni kapital 966.640.400,00 kn, podijeljen na 878.764 redovnih dionica u

nominalnom iznosu 1.100,00 kn (uplaćen u cijelosti)

HRVATSKA POŠTANSKA BANKA, dioničko društvo Individuals' loans witness further growth: In the first four months of 2015 lending to individuals recorded the growth of 2.6% where home loans witnessed the strongest growth of 3.5% referring mostly to HRK loans.

The following examples illustrate the drops in interest rates in the last year and a half and how such drops affected annuities in case of the most sought loans:

Home loan of EUR 80 000.00, maturity period 30 years

Conditions until 1 January 2014

Conditions from 1 July 2015

Interest rate 5.91%

Annuity EUR 475.02

Interest rate 5.04%

Annuity EUR 431.42 (saving of around EUR 43)

Green home loan of EUR 80 000.00, maturity period 30 years

Conditions until 1 January 2014

Conditions from 1 July 2015

Interest rate 5.41%

Annuity EUR 449.72

Interest rate 4.54%

Annuity EUR 407.25 (saving of around EUR 42)

Non-purpose loan of EUR 30 000.00, maturity period 15 years

Conditions until 1 January 2014

Conditions from 1 July 2015

Interest rate 8.95%

Annuity EUR 303.39

Interest rate 8.08%

Annuity EUR 288.08 (saving of around EUR 15)

Media Relations

HPB's Office of Management Board
01 4804 920, 4805 057 pr@hpb.hr
www.hpb.hr

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