Businesses and craftsmen operating in the area of Konjic municipality can apply for a public call for the selection of beneficiaries of funding with subsidized profit margin, in accordance with the Rulebook on the use of budget funds intended to subsidize a part of the interest rate for economic entities based in the area of Konjic municipality.
The right to apply for financing belongs to companies and tradesmen who permanently perform activities permitted by law and who:
have their headquarters in the Konjic municipality and have the obligation to submit a final financial statement from which creditworthiness can be determined and proven,
properly settle their legally stipulated obligations,
are actively operating and have employed workers,
they operate liquidly and have a satisfactory credit rating,
on the basis of current credit indebtedness, and according to IFRS classification in category S1 or S2 if it is acceptable to the Bank.
If it is about financing users who do not have the obligation to submit a financial report from which creditworthiness can be determined and proven (obligors of flat-rate tax payments), additional income based on fees, rent, fees for membership in the NO can be included as a source of loan financing repayment. and on the basis of other similar incomes, if their stability can be proven for the entire duration of the placement.
Funds will not be approved for projects in the following areas:
Production of tobacco products and alcoholic beverages,
Casino opening,
Organizing other games of chance,
Other activities that are not acceptable to the Bank.
The maximum amount of approved financing for one company is 500,000.00 KM, and for craftsmen up to 100,000.00 KM. In exceptional cases, the Municipality can approve larger amounts of financing / loans.
Funding will be granted under the following conditions:
Short-term financing, with a repayment period of up to 12 months
Amount of profit margin / interest rate 2%
Subsidy rate 2%
Subsidized profit margin 0%
Amount of financing/loan processing costs 0.15%
Long-term financing, with a repayment period of up to 48 months
Amount of profit margin / interest rate on financing 3%
Subsidy rate 2%
Subsidized profit margin 1%
Amount of financing/loan processing costs 0.15%
Grace period – at the request of the user and the approval of the BBI up to a maximum of 6 months
The receipt of requests, the process of analysis, processing and approval of financing from the funds of the subsidized line will be carried out in accordance with the Bank’s regular procedures. The contract between the Bank and the Beneficiary of the financing will define the mutual obligations and rights of the contracting parties, as well as the method of using the financing, as well as the conditions for the payment of the subsidy. Monitoring by the Bank on a semi-annual basis is mandatory for all financing.
The beneficiary of the financing realizes the right to the subsidy if he has used the funds for the intended purpose and regularly settled the obligations during the entire financing period. During the first monitoring, six months after financing approval, the Beneficiary will submit the following documents to the Bank in order to meet the conditions for the subsidy:
Statement on the intended use of funding» in two copies with all supporting documentation as evidence. For subsequent monitoring, the beneficiary of financing is not obliged to submit this statement if he has fully justified the purpose of the financing, and the payment of subsidies will be made if the beneficiary of financing has been regular in settling it.
The deadline for the implementation of the Financing Line/Credit Line is until the amount provided for the subsidy is spent
Requests for funding from Funding Lines / Credit Lines will be accepted until the approved subsidy funds of the Municipality of Konjic have been used up.
In front of BBI Bank, the competent persons are Elvir Smajić and Dijana Sokolović
Note: all changes are in accordance with the Annex to the Contract BB-Grad Konjic dated July 22, 2022.
Request defining the purpose, amount and repayment term of financing;
Decision on registration in the court register with all amendments;
Current extract from the court register not older than 90 days;
Statute and decision on establishment of the company;
Tax registration certificate from the tax administration – ID number;
Certificate of registration of value added tax payer – VAT number
Notification of the competent Statistics Service on the classification of legal entities according to KD 2010 activities;
Certificates from the Tax Administration on settled direct taxes and the Administration for Indirect Taxation on settled indirect taxes not older than 30 days from the date of submission of the application for approval of financing;
Copy of identity card and CIPS for persons authorized to represent;
Related party statement;
Statement on the intended use of funding;
Consent to check the Central Credit Register (CRK);
External auditor’s report (only for joint-stock companies);
Business plan, projected balance sheets and cash flows for the financing repayment period;
Program or project, summary of the project on the basis of which the request for funding is submitted;
Balance sheet and income statement for the previous two years, and preliminary financial indicators for the current period;
Documentation for securing financing and instruments for securing financing (collateral) determined by the Bank, in accordance with its business policy and depending on the client’s creditworthiness; and
At the request of the Bank and other documents in accordance with the internal acts of the Bank.
A duly completed and certified application defining the purpose, amount and repayment term of financing;
Proof of the intended use of the funding (provisional invoice, invoice, purchase agreement);
The decision of the competent municipal authority for the performance of activities;
A copy of the record of deposited signatures of persons authorized for representation;
Specification on determining income from self-employment for the last two years;
Certificate of tax and VAT registration (if the activity is mandatory);
Notification of the competent Statistical Service on the classification of trades according to KD 2010 activities;
Photocopy of LK – self-employed owner;
Photocopy of CIPS certificate – self-employed owner;
Statement on the intended use of funding
Certificates from the Tax Administration on settled direct taxes and the Administration for Indirect Taxation on settled indirect taxes (if the activity is in the VAT system) not older than 30 days from the date of submission of the application for financing approval;
The corresponding document proving that the owner of the independent activity has real estate in his possession (apartment, house, land, business premises); appropriate document proving ownership – ZK extract, real estate certificate, title certificate (only for those areas where land registers have not been established) and
At the request of the Bank and other documents in accordance with the internal acts of the Bank.
The users of the funds are obliged to provide certain/prescribed type of collateral as financing security. The type of collateral will depend on the creditworthiness of the Beneficiary, the amount of financing and other parameters determined by BBI.
Common types of collateral that BBI Bank accepts are:
Lien on real estate;
Lien on equipment;
Company promissory notes;
Personal promissory notes of the owner of a business or trade;
Agreement on assignment;
Insurance policy tied in favor of BBI;
The rest in agreement with the Bank
The deadline for submitting requests for funding according to the terms of the Public Call begins from the day of publication in the public media and lasts until the expenditure of the approved subsidy funds of the Municipality of Konjic, with the provision that contracts with the Beneficiaries of the funds are concluded until the expenditure of the approved subsidy funds of the Municipality of Konjic
Requests with the necessary documentation are submitted in sealed envelopes to the address Bosna Bank International d.d. Sarajevo – Poslovnica Konjic, Maršala Tita no. 35, as well as electronically to the email address linijaopcinekonjic@bbi.ba
In the process of submitting a request based on a public call, BBI does not bear any costs to the participants, and reserves the right to completely reject the request in case of justification. Submitted documentation will not be returned.
Additional information before submitting the request and during the public call can be obtained by calling the following telephone numbers: 036 712 730; 036 555 712 and 036 555 717 and to the email address
linijaopcinekonjic@bbi.ba
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