Combined financial instruments to be implemented in Croatia in the 2021-27 programming period

The presentation made by Ms. Ivana Mikulić Matković, representing HBOR focused on the HBOR’s experience with the combination of financial instruments and grants in one operation for energy efficiency investments. The capital rebate mechanism, where part of the loan is converted into a grant based on achieved energy savings, simplifies administration and incentivizes performance. The approach emphasizes early cooperation with commercial banks and streamlined procedures to boost uptake.