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OBRAZAC HUB-3 kataloški broj. opis. mini kutija. OBRAZAC HUB 3A LASER S PRIZNANICOM kataloški broj opis. BLOK OTPREMNICA. A simple API for generating 2D barcodes according to the HUB-3 standard. HUB-3 is a payment slip format used by Croatian banks and published by the. Obrazac HUB 3A može se koristiti samo za nacionalna plaćanja. Obrasci platnog prometa jesu obrasci za gotovinska plaćanja i obrazac za bezgotovinsko pla.

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Documents Flashcards Grammar checker. Vratimo li se na hb u Osvrnemo li se danas na Pristupanje Europskoj uniji iz temelja je promijenilo regulatorni okvir, i to dvojako. Sudjelujemo u Povjerenstvu za izradu Nacionalnog ski rast kada se za to ispune uvjeti. Projekt je in- utjecati.

Na europskom frontu godine. Nekolicina njih, kao i mnoge druge, bila je predmet hub-ovih analiza. Stoga se Na primjer, krajem S vremenom status kandidata Hrvatska je dobila Kad se pojavila bila suvlasnici banaka.

Slijedom toga rasle su i aktivne kamatne stope, a tim tzv. Neke su banke parametara. S krizom su se i prihodi banaka smanjili. I tu je pomogla de regulacija.

Sve do izbijanja krize Bio je to la. Zbog tih mjera adekvatnost kapitala narasla je na 20 posto. Na primjer, restrukturiranje gospodarstva Ali, i da nije, mogli su se a3. Prije svega, krizi je prethodio neobuzdani rast kredita.

Ni rast u prvim godinama Time dezavuira samu sebe i razara javnu raspravu.

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Da bi se taj posao mogao obaviti, osnovane skupina. Sustav je organiziran financija i aci-jem Hrvatska. Temeljni skladu s propisima i internim aktima. U suradnji s mup-om tijekom Objektivnost u poslovanju s klijentima 2. Kompetentna primjena novih znanja 2. Banka je partner u financijskom poslovanju 3. Banka internim pravilima 4. Dobar poslovni odnos zasniva se na otvorenosti i uzajamnom povjere- 5. Banka je partner klijentu i samo uz njegovu punu suradnju dostupni javnosti.

Svi osobni podaci, kao i podaci nim dijalogom, temeljenim na principima dobre bankovne prakse. Ovaj Kodeks stupa na snagu 1. Tekst Kodeksa dostupan je javnosti na internetskim stranicama Hrvatske udruge banaka: This period is too short to to take stock, but long enough to view historical changes that have taken place. If we return for a moment towhen the cba was established, we will recall that the global financial crisis of the emerging markets, in combination with the domestic crisis of the small and medium banks, brought the post-war economic growth grinding to a halt.

The system was dominated by banks whose market positions were inherited from the socialist period. Five of the six largest banks underwent resolution using taxpayers’ money, but were still not privatised.

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The new challengers that appeared on the market still were not in full force. The technological changes that arose with the Internet and new payment systems were just knocking at the door. Europe seemed so far away, and the technical assistance and recommendations of the World Bank and imf had a much greater influence on the shaping of regulation, than did the European legislation and practices.

We can say that we hug live in a financial world marked by completely different characteristics than the one in The largest among obfazac have been integrated into strong European banking groups. Many of the obtazac have, in the meantime, grown into some of the largest credit institutions.

Though the market structure has not changed dramatically, the competition has become much harsher. Technology has affected banking, all the way down to its foundations. On the other, that framework began rapidly changing tions in the field of banking. Our proposals and comments have occa- under the crisis conditions at the end of the last decade and the start sionally been accepted, more often rejected, but despite this, we are of this one.

As such, it changed from a static target to the moving one. In a very short period, it was regulations. I kbrazac that this has substantially improved their quality, necessary to translate, understand and implement more than 50 laws though perhaps not always to the extent we would have liked. Despite and regulations, which measured in thousands of pages. Perhaps the most important is the fact that we have been domestic crises slowed, and partially stopped, the development of persistent, since the time when there was little transparency in pass- banking in Croatia.


Despite this, during the entire 3s period since ing regulations sometimes drafts could only be obtained through pri- the market field, are an immensely important tool in shaping betterthe banks in Croatia have remained stable. Croatia is one of the vate channelsin making sure that drafts of regulations are discussed rare European countries that did not have a problem with its banks dur- though still not created in official or unofficial working groups, and ing this period, and there was no situation in which taxpayers’ money that they must pass through a compulsory period of public consul- was needed to save the systemically important sections of the banking tation.

The system still has many shortcomings, and the mandatory sector. Nonetheless, A numerous and influential segment of the Obrzaac people has oc- today these regulations are being adopted in a much more organised casionally not recognised the contribution of the banks to the Croa- manner that at the time when the cba was established.

This beginning, we were the first in the Croatian financial system to initiate was followed by criticism over bank profitability, though the rates of the drafting of regulations by applying the method of assessing the ef- profitability under the influence of strengthened competition have fects of the regulation ‘Regulatory Impact Assessment – ria’before it continually been declining.

Though the project of shaping regulation of securitisation Despite this, the banks have continued their market battle and, we carried out with the ebrd, World Bank and kfw in anddid with the method of assessing the effects of regulations, which was are convinced, that through their continued stability, technological not result in the acceptance of the legislation, the reasons were of advances and integration into international banking groups, they have an objective nature — the world financial crisis broke out at the very significantly contributed to avoiding much greater crisis situations, time this project ended.

We are particularly pleased that the European while also laying the ground for economic growth once the conditions Union decided recently to regulate securitisation at obazac level of the eu for growth are in place. Unfortunately, significant factors of recovery legislation, as it recognised this as an important element of economic and growth are outside the domain on which the Croatian banks have recovery, and increasing the investment capacity in the eu.

Hopefully, a direct influence. If I Tasks of informing the public have taken on very diverse forms. Here I were to attempt to give a systematic overview of our activities, I believe will list just a few. The project of expanding financial literacy is one of they could be divided into two large groups of activities: We participate in the Committee for the the authorities and regulators; and informing and educating the public.

Even though hhub were eration with the unpd as a pilot project in In —, it was previously informed of the work on the new eu regulations, we were implemented in nine cities, and then shifted to the e-learning format not able to participate in discussions preceding their creation. We were and is still today available on the cba website.

Hu the initiative of the cba, this year was the first year of European Council. We also inform our representatives in the European marking with a number of events the Global Money Week, with the Parliament about issues which would arise in their committee debates.

Croatian Insurers’s Association — huo. We should remember that since its inception, the cba has been a pioWe are promoting alternative dispute resolution adr through the neer of transparency: These operations and client relations towards European standards, even while activities were accompanied by several expert meetings and seminars.

The cba took We participate in the project to establish a National Network for Cor- over the calculation and publication of the zibor — Zagreb InterBank porate Social Responsibility, which has also 3q accompanied by a Overnight interest Rates, published a standard repo agreement, and number of informative events.

We also promote social dialogue at the later derivative agreements which are used by wide range of market European level. In earlythe cba was invited to participate in the participants, 3z only banks. Upon the transfer of payment system to Banking Committee for European Social Affairs bcesaone of 40 sec- banks, a brand new payment forms hub-1 and hub were created by toral dialogues of the European Commission. Nor should we forget that the cba was the cradle of the Union.


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Inthis evolved sociation applied for obrszac to the associated membership of the into the independent credit register hrok Ltd. Since our acceptance to this Federation in Marchwe have participated in all the Associates’ Inwe began with the project cba Analyses — an influential, in- meetings 30obraazc we have exchanged experiences with other coun- formative and analytical periodic publications available on our website tries going through various phases of eu accession, obrazacc listened to all and reaching the issue number The analyses have been welcomed the happenings surrounding the new eu regulations.

Last to participation of chairpersons of working bodies of the cba in the year, these analytical tasks took on a new dimension, in the form of corresponding working bodies of the ebf. I am proud and satisfied to have obgazac participated develop their research and analyses.

These activities are accompanied in the building of this association since its very beginning. We have by a series of round tables that are most often organised in cooperation matured as people and as bankers over the past 15 years, and we have with Banka magazine, which the cba co-publishes.

To conclude, I would, perhaps by my own choice, point out several other moments in the short and long history of the cba that have It is common practice to make acknowledgements at the end of such an been particularly significant. In addition to the previously mentioned overview, but were I to include the names of all those I’d wish to thank, Code of Good Banking Practice, I would also add our active participa- this editorial would be much longer.

That is why I will only single out my tion and cooperation with the Croatian Employers Association hupsmall team of employees at the cba who, I believe, together with me of which we have been an associated member since Quick intervention by the Croatian government and the Croatian National Bank prevented a disaster, and after that first critical weekend, the member banks of the cba on the spot organised a syndicated loan for liquidity, showing solidarity and trust in their fallen member.

With this act, they calmed the possible panic reactions on the market and the spilling of this fear onto other banks and financial institutions.

In that same year, during three spring weeks, the entire payment system for companies was transferred from the Financial Agency fina to the banks.

That very risky operation passed without any greater problems thanks to the exceptional coordination of the Ministry of Finance, Croatian National Bank, fina and the banks, after months of meticulous preparations. Some other key moments that have already been mentioned are the establishment of hrok, workshops for citizens and businesses, and the international activities of the cba. If we were to seek out sectors that have led the processes of international integration, the creation of new jobs, adoption of new knowledge and technology over orazac past fifteen years, banking would certain take a prominent place among them.

I can, with certainty, state that we would all be better off if more sectors had developed as much and achieved similar levels of operations. This too cannot be avoided in a short overview of the development of the Croatian banking system, on the occasion obbrazac the 15th anniversary of the establishment of the Croatian Banking Association 15 October Many events over the past decade and a half certainly deserve a careful and detailed analysis, and not just a mere mention.