HPB dd : to lower interest rates on loans to individuals

Priopćenje za medije

Ured za korporativne komunikacije Jurišićeva 4, HR-10000 Zagreb

Press Release

HPB TO LOWER INTEREST RATES ON LOANS TO INDIVIDUALS

Zagreb, 27 November 2015 - From 1 January 2016 HPB is cutting interest rates on all variable interest rate loans to individuals in line with the drop in the national reference rates. In the last two years HPB cut interest rates by 1 to 1.09 percentage points, depending on the type of a loan

From 1 January 2016, Hrvatska poštanska banka is cutting interest rates on all variable interest rate loans to individuals. In line with the drop in the national reference rates for EURO and HRK, the Bank is cutting current interest rates by 0.22 percentage points on loans with a currency clause and by 0.20 percentage points on HRK loans.

For the fifth time in the last two years (1 January and 1 July 2014, 1 January and 1 July 2015 and 1 January 2016), HPB is cutting interest rates on the loans to individuals. In that period therefore, and including the change to be effective from 1 January 2016, the interest rates in HPB have been lowered by 1 to 1.09 percentage points, depending on the type of a loan.

HPB interest rates on certain types of loans to individuals are shown below:

Home loans: The interest rate on home loans with a currency clause will from 1 January 2016 be 4.82% (currently 5.04%), and on HRK home loans 5.45% (currently 5.65%).

Green home loans: The green home loans with a currency clause will be approved at the interest rate of 4.32% (currently 4.54%), while for the green HRK loans the Bank will apply the rate of 4.95% (currently 5.15%).

Non-purpose loans: The interest rate on the non-purpose loans with a currency clause will be lowered to 7.86% (currently 8.08%), while for the HRK loans new interest rate will be 8.49% (currently 8.69%).

From 1 January 2016 HPB is cutting interest rates also on all other types of variable interest rate loans to individuals.

Hrvatska poštanska banka, dioničko društvo  Jurišićeva 4, 10000 Zagreb, Hrvatska  tel.: [phone]  [e-mail]  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 1.214.775.000,00 kn, podijeljen na 2.024.625 redovnih dionica u nominalnom iznosu 600,00 kn (uplaćen u cijelosti)

Conditions until 1 January 2014	Conditions from 1 January 2016
Interest rate 5.91% Annuity EUR 475.02	Interest rate 4.82% Annuity EUR 420.70 (to be saved about EUR 54)

Examples of the savings in different loan repayments in the last two years: Home loan of EUR 80,000.00, maturity period 30 years

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

Conditions until 1 January 2014	Conditions from 1 January 2016
Interest rate 5.41% Annuity EUR 449.72	Interest rate 4.32% Annuity EUR 396.84 (to be saved about EUR 52)

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

Conditions until 1 January 2014	Conditions from 1 January 2016
Interest rate 8.95% Annuity EUR 303.39	Interest rate 7.86% Annuity EUR 284.28 (to be saved about EUR 19)

In HPB lending to individuals has been continuously growing; in the first nine months in 2015, about HRK 200 million have been lent to individual customers. Home loans have been particularly in demand and they have climbed by 9.3 percent in the said period.

Media Relations

HPB Office of Corporate Communications 01 4804 920/473, 4804 473, 4805 057

[e-mail] www.hpb.hr

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