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ZAGREB, Oct 12 (Hina) - Although the share of bad loans in Croatia is going down, with the non-financial sector recording EUR 22.8 billion of such loans, this is still far from the situation in the pre-crisis 2008 when non-performing loans totalled HRK 12.5 billion, an event called Croatian Financial Institutions' Day, organised by the Croatian Chamber of Commerce, the Faculty of Economics and partners, heard on Thursday.