Investment banking

Brokers

To those clients who wish to have an alternative possibility of increasing the yield compared to the typical forms of savings, we offer a dynamic possibility of trading with different financial instruments on the Zagreb Stock Exchange, as well as on all major financial markets in the world and the region. For all details on brokerage, our employees of the Brokerage Services Department within the HPB Investment Banking Division are at your service.

  • Opening an account – If you decide to trade through our brokers, we invite you to establish a business relationship with us in a few simple steps…
  • Financial instruments trading – We provide you with an insight into the markets along with a detailed description of the procedure during financial instrument brokerage.
  • Margin loans – All clients with an additional affinity for risk and yield maximization have our specialized loan for the purchase of financial instruments at their disposal.
  • My Broker – Clients who want a more dynamic trading may choose to manage orders and trading through our own My Broker web platform.

Foreign Exchange Trading

For USD-denominated transactions whose exchange value exceeds the amount of 20.000 kuna and for transactions in other currencies whose exchange value exceeds the amount of 100.000 kuna we offer a conversion service at a pre-determined rate which allows you to save on the currency exchange rate.

Portfolios

Do you have a substantial amount of assets and wish to achieve a higher yield than with a typical fixed-term deposit? Would you like to optimize the overall risk of your assets?

Portfolios are a specialized HPB service that allows you to entrust the management of your financial assets to the Bank. According to your preferences and wishes, your Investment Adviser builds and manages your portfolio.

According to the agreed investment policy, the client and the Bank define the investment strategy based on which the entrusted assets are invested in different financial instruments. The Bank controls compliance with the limits, risks and investment strategies and reports to the client on a regular basis on the value movement of the financial instruments in the client’s account.

We offer different investment models created according to individual client preferences.

Below you may find three examples of such portfolios which are of an informative character and may be adapted according to the wishes, objectives and needs of the client:

Low-risk model

Dominant investment in money market instruments (deposits, commercial and treasury bills) and debt securities (bonds) with a smaller investment share in equities (shares) and structured products.
The objective of the low-risk model is to preserve the invested asset value.
YIELD: created for investors with a low tolerance for risk, comparable to other low-risk investments (cash funds, deposits, etc.)

Moderate-risk model

Investment as a combination of instruments with a fixed yield (e.g. bonds) and equities (shares) and structured products, as well as partial investment in money market instruments.
The objective of the moderate-risk model is to increase the invested asset value with moderate exposure to the stock market.
YIELD: created for a moderate-risk investor, i.e. investors who tolerate a change in the portfolio value to a certain extent. Yield varies due to both an increase and decrease in the value of invested assets.

High-risk model

Investment intended for investors with a longer investment horizon. The model focuses on investing almost the entire amount in equities (shares) and structured products in Croatia and abroad.
The objective of the model is to achieve maximum long-term growth of the invested asset value.
YIELD: intended for those investors willing to accept higher risk rates and oscillations in yield, in order to potentially achieve a more substantial yield on investment.

Custody and Depositary Services

The custody service is intended for existing and future HPB clients that trade with financial instruments on domestic and foreign capital markets and forms part of a wider range of services relating to financial instruments provided by our Bank. Custody service includes:

  • Safekeeping and administration of all types of financial instruments
  • Settlement of financial instruments traded with on the domestic and foreign capital market
  • Reporting on corporate actions
  • Collection of income from financial instruments and reporting
  • Representation at shareholders’ meetings
  • Additional services in agreement with the client

 

Besides custody services, HPB also offers a depositary service for pension and investment funds. Depositary service includes:

  • Asset safekeeping
  • Tracking money flow
  • Monitoring activities