The relief measures of Naše banka ad Banja Luka refer to:
- moratorium , i.e. a postponement of the repayment of credit obligations for a period of maximum 12 months, with the suspension of the calculation of interest (regular and default interest) and additional fees on the amount of credit obligations during the moratorium period
- introduction of a grace period for repayment of the principal of loan obligations in the case of a loan that is repaid in annuities for a period of maximum 12 months
- extension of the final deadline for repayment of a loan that is repaid in annuities, up to a maximum of 12 months from the initially approved deadline,
- extension of the maturity date of loans with a single maturity , including revolving loans and overdrafts on transaction accounts for a period of maximum 6 months, during which bank clients could also use the part of the exposure that was unused on the day of modification,
- granting additional exposure to overcome its current liquidity difficulties
- adjustment of the repayment plan in proportion to the reduction of repayment sources
- other measures aimed at facilitating the settlement of bank clients' credit obligations
The above-mentioned special measures may also include other modalities for adjusting the method and dynamics of repayment of loan obligations, appropriate relief and other forms of Bank support to Bank clients.
If the modality implies a combination of the above measures, the Bank will approve these special measures for a maximum period of 12 months.
A moratorium as one of the special measures within the modality may be agreed for Bank clients who, due to extraordinary circumstances, have suffered significant damage or complete destruction of business or private property, or place of business or residence, so that it cannot temporarily serve its primary purpose, as well as for Bank clients who can document that due to this event their income/receipts have been reduced or will potentially be significantly reduced compared to the period when the previous creditworthiness assessment was performed.
Conditions for approving special measures:
- that the Bank's client has submitted a request in writing or that the Bank has initiated activities to use special measures on its own initiative as part of the regular process of monitoring overdue receivables, taking into account the negative economic consequences (direct and/or indirect) caused by extraordinary circumstances
- That a request for approval of special measures has been submitted in writing no later than June 23, 2025 (within 60 days from the date of entry into force of the Decision), along with evidence that the person has been directly or indirectly affected by the negative consequences of extraordinary circumstances
- In the event that the Bank's client has suffered indirect material damage (loss of market, customers, suppliers, etc.), the Bank will request additional documentation from the Bank's client, proving the occurrence of damage to the Bank's client due to extraordinary circumstances.
- That the placement subject to modification has met all additional conditions defined in the decision approving the placement.
- That the Bank's client is not in arrears and/or is not in arrears for more than 90 days in a materially significant amount, in the repayment of the loan for which a special measure is approved;
- 6) That the Bank has assessed that the change in lending conditions will enable the Bank's client to regularly settle his obligations to the Bank in the coming period.
For all additional information, please visit the nearest branch of Naša banka ad Banja Luka.