There are various derivative financial instruments on the market which can protect you from foreign exchange interest rate risk. For contracting derivatives, it is necessary to conclude a Framework Agreement with Zagrebačka banka. Instruments offered by Zagrebačka banka:

Protection from foreign exchange risk

  • Foreign Exchange (FX) Forward

An FX forward agreement serves as protection against short-term exposure to currency risk. Forward enables currency exchange transactions with settlement dates longer than two working days.
No additional costs are paid for forward agreements. FX Forward is calculated by adding the difference in interest rates of two currencies that are the subject of the Agreement to the current market rate.

  • Foreign Exchange (FX) Swap

An FX swap is an instrument which enables bridging illiquidity in one currency based on existing liquidity in another currency. It is a simultaneous spot purchase of one currency and forward sale of another or spot sale of one currency and forward purchase of another. The forward purchase and sale rate is calculated in the same way as for FX forward.

  • Currency Option

A currency option is an agreement that gives the buyer the right, but not the obligation, to exercise the option. The amount, rate or strike price of the currency to be exchanged and the execution date or exercise date are predefined. The option to purchase or call option gives the buyer the right to buy a certain currency, and the option to sell or put option gives him the right to sell a certain currency.

Protection from interest rate risk

  • Interest Rate Swap

Interest rate swap implies the exchange from a floating rate to a fixed rate and vice versa. This instrument is used to manage interest rate mismatch of assets and liabilities of a company, protect from rising interest rates (exchange from floating rate to a fixed rate) and possible reduction of interest cost (exchange from fixed interest rate to a floating rate) in case of a fall in reference interest rates (Libor, Euribor).

  • Forward Rate Agreement (FRA)

Forward rate agreement is an agreement in which one contracting party agrees to pay the counterparty a fixed interest rate for a predetermined period (the so-called "FRA rate"), and the counterparty agrees to pay an interest rate that will be determined on a specific future start date. Payment calculation will be based on the nominal amount as, for example, the difference between the FRA rate and the market rate on the maturity date. This instrument is used for short-term interest rate risk exposure.

  • Cross Currency Interest Rate Swap

Cross currency interest rate swap is an agreement on the exchange of amounts of money in different currencies, where one party periodically pays the counterparty fixed amounts in the agreed upon currency (calculated on the basis of fixed or variable interest rates for nominal amounts in the agreed upon currency) during the entire duration of the transaction, while the counterparty periodically pays variable or fixed amounts in another currency (calculated on the basis of variable interest rates for nominal amounts in the other currency). In doing so, all the calculations are determined on the basis of previously agreed upon nominal amounts in both currencies. It is also possible to arrange that amounts of money in nominal amounts be exchanged at the beginning or at the end of the concluded swap period for these types of swaps.

 

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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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