The values of the new rates of the 12-month national reference rate "NRS1" are thus 1.02% for the kuna and 1.31% for the euro.
Furthermore, the 12-month NRS2 implies 0.75% for the kuna and 1.17% for the euro. whereas the 12-month NRS3 is 0.90% for the kuna and 1.36% for the euro.
Currently, three commercial lenders tie their interest on loans to the NRS: ZABA, HPB (Croatian Postal Bank) and OTP.
The HUB notes that since the beginning of the application, NRS has continued to fall.