Notice of Specials Measures Due to Floods

Dear customers,

        in accordance with the Decision on special measures applied by the Bank in extraordinary circumstances - floods from October 2024, adopted by the Banking Agency FBIH, ZiraatBank BH dd Sarajevo has prepared a series of benefits for the Bank's clients who are directly or indirectly affected by the negative consequences caused by the floods of October 2024. Special measures that the Bank will grant to clients are listed below;

a) moratorium, that is, a delay in the repayment of credit obligations with the suspension of the calculation of interest and additional fees on the amount of credit obligations for the duration of the moratorium,

b) the introduction of a "grace" period for repayment of the principal of loan obligations in the case of loans that are repaid in annuity for a period of no longer than 12 months,

c) extension of the deadline for repayment of loans that are repaid in annuity,

d) extension of the maturity date of loans with one-time maturity, including revolving loans and overdrafts on transaction accounts for a period of no longer than six months, during which clients could also use part of the exposure that was unused on the day of the modification,

e) approving an additional amount of exposure for the purposes of overcoming its current difficulties with liquidity,

f) other measures taken by the bank in order to facilitate the servicing of the client's credit obligations, recovery and establishment of a sustainable business for the client.

Clients who are affected by floods and want to use special measures must submit a written request to the relevant branches. We express our condolences to the families of our fellow citizens who lost their lives in the floods, and we wish the injured a speedy recovery.

As ZiraatBank BH d.d. family, we will continue to support our customers to reduce the negative economic consequences caused by natural disasters.

Sincerely,