Tamara Perko: Croatia has a stable banking system, no need to shake it

HUB director Tamara Perko stated that Croatia has a strong and stable banking system that should not be ‘shaken’.
She warned about legal system uncertainty, especially the Swiss franc loan dispute unresolved 11 years after the Conversion Law.
Perko said financing conditions in Croatia are competitive, with interest rates below the EU average.
She noted that 60-70% of real estate purchases are in cash and demand exceeds supply.
She called for administrative relief, capital market development, and spatial planning to increase housing supply.
Most citizen loans have fixed interest rates, so they should not feel rate changes if they occur.
Banks are well-capitalized and liquid, ready for macro shock scenarios.