Social Impact Banking

New initiative that represents our commitment to building a fairer and more inclusive society. The aim of this initiative is to identify, finance and promote individuals and enterprises who, besides positive economic performance, have a positive social impact.

Impact financing is a medium-long term loan granted for projects and activities that - in addition to an economic return - have the aim of generating a positive and measurable social impact.

Targets

Profit oriented companies that intentionally pursue a positive and measurable social objective. Standalone initiatives of public sector companies, (i.e. institutions owned, controlled or governed by the state, regions or municipalities) are not eligible for impact financing.
Among the main targeted sectors, we focus on activities and projects which act and deliver a social impact in the following sectors:

  • Health and Wellbeing
  • Welfare
  • Social housing
  • Training and Education
  • Conservation and restoration of cultural and artistic heritage
  • Social tourism
  • Urban renewal of suburbs
  • Services for including or reintegrating workers, disadvantaged and vulnerable people in the job market

Other sectors can also be addressed if producing a social impact as recognised by the local law or by programmes of supranational agencies incentivising social impact initiatives.

It consists of:

  • Medium/long term loan with a discount on the interest rate
  • Non-financial services in the form of training, visibility and networking
  • Additional financial benefits towards the financed entities in the form - for example - of a donation or a partial interests refund with the purpose to further increase the social impact to the final beneficiaries.

Social dimension evaluation

When a deal is matching the above eligible sectors and clients’ targets, the following criteria for the social dimension evaluation are applied:
INTENTIONALITY – refers to an investment/initiative with the intention to generate positive social outcomes
ADDITIONALITY - the extent to which certain social outcomes happen because of the financed activity/project that would not have occurred in the absence of the intervention
MEASURABILITY – refers to the commitment of the financed party to measure and report the social performance and progress of underlying impact investments, ensuring transparency and accountability
FINANCIAL SUSTAINABILITY – refers to economically and financially sustainable initiatives/companies, meaning that the counterparty must be able to produce margins and cash flows deriving from its business/activity, sufficient to repay the debt.

For each impact financing deal, social performance indicators as well as reporting timeline and conditions are agreed, formalized and monitored.

For all further information, please contact your Banker/Relationship Manager or visit the nearest entrepreneur centre.

Postavke kolačića

Tehnički kolačići (neophodni)

Performansni kolačići (neobavezni)

Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.

Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance


Performansni kolačići

Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.

Kolačići koji se koriste:

ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi


Marketinški kolačići

Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.

Kolačići koji se koriste:

1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr

CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća

gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

Uid - jedinstveni identifikator

cid - Cookie id (legacy) – jedinstveni identifikator

Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing

HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima