A documentary letter of credit represents an obligation of the bank acting at the request of the buyer to effect payment of goods or services, in favor of the supplier within the agreed time, following the presentation of documents in accordance with the terms and conditions of the letter of credit.

Payment by means of a letter of credit may be arranged in both international and domestic business.  

Benefits

  1. Security of realisation of a contracted deal
    The most widely used international payment and payment security instrument, which provides you and your business partner with a high level of security of realisation of the contracted deal, as well as additional possibilities of negotiation with regards to price and other terms and conditions, such as payment maturities, required documents etc. 
  2. Payment and takeover of goods are possible only provided that certain conditions are fulfilled
    The letter of credit provides security to the buyer (importer) that payment will be effected only in case of presentation of required documents by the seller (exporter). It also provides the buyer with the assurance that he will receive the goods as per the contract, whereas it guarantees to the seller that he will collect payment for the goods delivered provided that he has fulfilled all conditions agreed in the letter of credit. It also provides the buyer with the insurance that he will receive the goods as per the contract where it guarantees the seller that he will collect payment for the good delivered provided that he has fullfilled all conditions agreed in the letter of credit.
  3. Reduce the risk of a foreign partner and its bank through confirmation of a loro (export) letter of credit
    If you as the seller (exporter) arranged with your partner opening of a letter of credit in your favour, the risk of receiving your payment depends on the creditworthiness of the buyer's bank, and not on the creditworthiness of your buyer. We can offer you a possibility of additional insurance against the risk of payment of the buyer's bank by means of the confirmation of the loro export letter of credit opened in your favour. By confirmation of the letter of credit we give a firm commitment that we shall pay the letter of credit sum according its terms and conditions, irrespective of the fulfilment of the payment obligation by the buyer's bank which issued the letter of credit.
  4. Improve your liquidity by forfiting of letter of credit
    If you have arranged with your domestic or foreign buyer the issuance of deferred payment letter of credit, in your favour, we can offer you purchase of receivables from the letter of credit before expiry, thus improving your liquidity without new indebtness.
  5. A full and comprehensive service
    We provide a complete service in relation to documentary letters of credit in the country and abroad, import (nostro) and export (loro) letters of credit, from opening or advising, completing of documents and amending letter of credit conditions, to payments under letters of credit, and additional possibilities of financing through forfaiting letters of credit. 
  6. Faster, more efficient and simpler delivery of requirements
    Delivery of requests for issuing guarantees and letters of intent using e-zaba
  7. Providing expert advice
    Years of experience and expertise in standard and complex transactions, our professional and trained staff and numerous awards in the field of trade finance vouch for a high quality of service.
  8. International presence of UniCredit Group and a large correspondent banking network
    Zagrebačka banka and UniCredit Group represent a strong partner that can support your international business operations.

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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Company's OIB *

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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