In accordance with the “Decision on Special Measures Applied by the Bank in Emergency Circumstances - October 2024 Floods” of the Banking Agency of the Federation of Bosnia and Herzegovina (Official Gazette of the Federation of BiH, No. 79/24), individual clients of Raiffeisen Bank dd Bosnia and Herzegovina (hereinafter: the Bank) who are directly or indirectly affected by the emergency circumstances caused by the October 2024 floods, whose repayment sources have been reduced and thereby made it impossible or will make it impossible to regularly settle obligations towards the Bank, may submit a request to the Bank for the application of special measures.

The special measures that the Bank can approve for individual clients are:

• Moratorium, i.e., deferment in repaying loan obligations for up to 6 months with the possibility of extending the loan repayment period for the duration of the moratorium. During the moratorium, the Bank will not calculate additional fees, regular, or default interest on the amount of due receivables.
• Introduction of a “grace” period for the repayment of loan principal in the case of loans repaid in installments for a period of up to 12 months, with the extension of the loan repayment period for the duration of the grace period. No fee will be charged for arranging this modality.
• Extension of the final loan repayment term for loans repaid in installments. A new agreement will be created containing only the principal remaining as debt, with an interest rate equal to the originally agreed interest rate. No fee will be charged for arranging this modality.
• Restructuring of credit cards and overdrafts (revolving credits) on transaction accounts whereby the client can consolidate the total approved limits and enable installment repayment with the aim of reducing the client’s monthly obligation and facilitating the new extraordinary circumstances caused by the floods. The interest rate is equal to the originally agreed rate and will be regularly calculated and charged. No fee will be charged for arranging this modality.
• Other measures taken by the Bank to facilitate the servicing of the client’s loan obligations and establish sustainable operations for the client.

The special measures aim to help clients overcome difficulties and enable them to regularly meet their obligations to the Bank in the future.The Questionnaire for the assessment of criteria for the application of special measures under emergency circumstances caused by floods for individuals / Request for the application of special measures can be submitted at the nearest Bank branch, with a detailed explanation of the reasons for requesting special measures and the submission of all evidence available to confirm the stated reasons.

Based on the submitted information/evidence, the Bank will analyze the submitted request and contact the client regarding further steps.In accordance with the Decision on Special Measures Applied by the Bank in Emergency Circumstances - October 2024 Floods, the deadline for submitting the Request for the application of special measures is December 9, 2024.