subota, 1. kolovoza 2026.

Managing Exporter Bank Guarantees

Managing Exporter Bank Guarantees

A bank guarantee ties up a company's credit line even if never activated, a hidden cost rarely tracked. A publication by Nermin Sefić.

A bank guarantee ties up a company's credit line even when it's never activated, and that hidden cost is rarely tracked systematically.

A bank guarantee ties up a company's credit line even when it's never activated, and that hidden cost is rarely tracked systematically.

A performance or advance-payment guarantee doesn't formally represent a cost until activated, but ties up part of a company's credit line just as real debt would.

Companies holding multiple active guarantees toward different clients at once often lose track of their total tied-up exposure to banks.

A centralised registry of all issued guarantees, with expiry dates and activation conditions, enables an accurate assessment of remaining credit capacity at any moment.

Timely release of expired or no-longer-needed guarantees frees up credit space for new business without requiring additional negotiation with the bank.


Cjelovit tekst i izvor: https://gnk-asg.hr/en/publications/managing-exporter-bank-guarantees/

Autor i urednička odgovornost: Nermin Sefić. Izdavač: GNK ASG d.o.o..

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