78th Meeting

On 12 October 2026, the Board of the Croatian Financial Services Supervisory Agency held its 78th meeting and adopted the following decisions of public interest:

1. Decision on the adoption of the updated Public Consultation Plan of the Croatian Financial Services Supervisory Agency for 2026
2. Decision issuing a warning to ČATEKS d.d., Čakovec, Ulica Zrinsko-Frankopanska 25, OIB: 16536095427, LEI: 747800A0S9QDGEWA8L39, for the improper management and handling of inside information relating to the commencement of negotiations between members of the Management Board and Supervisory Board of ČATEKS d.d., Čakovec, Ulica Zrinsko-Frankopanska 25, OIB: 16536095427, LEI: 747800A0S9QDGEWA8L39, and SQ Capital d.o.o. za upravljanje investicijskim fondovima, Zagreb, Radnička cesta 54, concerning the preparation and conclusion of a Joint Action Agreement for the purpose of launching a takeover bid for ČATEKS d.d., Čakovec, Ulica Zrinsko-Frankopanska 25, OIB: 16536095427, LEI: 747800A0S9QDGEWA8L39. By doing so, the company acted contrary to Articles 7 and 17 of Regulation (EU) No 596/2014 of the European Parliament and of the Council of 16 April 2014 on market abuse (Market Abuse Regulation) and repealing Directive 2003/6/EC of the European Parliament and of the Council and Commission Directives 2003/124/EC, 2003/125/EC and 2004/72/EC. The warning is also issued for the failure to draw up, update and submit the insider list to the Croatian Financial Services Supervisory Agency (Hanfa) within the prescribed time limit, thereby acting contrary to Article 18(1) of Regulation (EU) No 596/2014 of the European Parliament and of the Council of 16 April 2014 on market abuse (Market Abuse Regulation) and repealing Directive 2003/6/EC of the European Parliament and of the Council and Commission Directives 2003/124/EC, 2003/125/EC and 2004/72/EC.
3. Decision ordering GENERALI OSIGURANJE d.d., Zagreb, OIB: 10840749604, LEI: 529900SSQ9XD4D9UVJ94, to eliminate illegalities and irregularities identified in the processing and settlement of claims under insurance policies relating to Comprehensive insurance of land motor vehicles (risk class 03.01). For that purpose, the Company is required to improve its internal regulations, templates, notices and control activities governing the receipt, processing and settlement of claims in insurance class 03.01 Comprehensive Insurance, in order to ensure clear, proactive and consistent conduct by the Company, for the purpose of ensuring clear, comprehensive and uniform communication with policyholders (a minimum set of information and documentation, IBAN details and compensation payment arrangements, loss assessment timeframes, payment of the uncontested part of claims, proactive collection of documentation, handling of disputed claims, the Second-Instance Committee and conflicts of interest, file closure procedures, harmonisation of terminology, standardisation of forms, decisions and communications, monitoring the consistency of contractual documentation, and criteria and measures relating to internal controls). The Company is further required to improve its claims handling and settlement procedures in Class 03.01 Comprehensive Insurance, as well as its internal control system, in order to ensure its continuous, timely, transparent and proactive conduct in accordance with Article 943 of the Croatian Civil Obligations Act and the applicable internal regulations (compliance with statutory deadlines, timely decision-making and payment of insurance claims, payment of the uncontested part of claims without delay, proactive collection of documentation and information, documented determination of the policyholder's intentions, clear guidance to policyholders regarding their rights and statutory deadlines, responses to complaints within the prescribed deadlines, and implementation of effective controls to ensure compliance with legal and internal requirements).
4. Decision granting authorisation to Inspire Investments d.o.o. za upravljanje alternativnim investicijskim fondovima, Zagreb, OIB: 62573520714, LEI: 74780040M93Z1M3Y3D74, to establish and manage an open-ended alternative investment fund without legal personality with private offering – hedge fund, under the name Inspire MI otvoreni alternativni investicijski fond s privatnom ponudom 62573520714, LEI:49376181407
5. Decision granting authorisation to Inspire Investments d.o.o. za upravljanje alternativnim investicijskim fondovima, Zagreb, OIB: 62573520714, LEI: 74780040M93Z1M3Y3D74, to establish and manage an open-ended alternative investment fund without legal personality with private offering – hedge fund, under the name Inspire TAU otvoreni alternativni investicijski fond s privatnom ponudom 62573520714, LEI:49376181407
6. Decision granting authorisation to Inspire Investments d.o.o. za upravljanje alternativnim investicijskim fondovima, Zagreb, OIB: 62573520714, LEI: 74780040M93Z1M3Y3D74, to establish and manage an open-ended alternative investment fund without legal personality with private offering – hedge fund, under the name Inspire ZETA otvoreni alternativni investicijski fond s privatnom ponudom 62573520714, LEI:49376181407
7. Decision revoking Hanfa's decision of 7 July 2026 granting authorisation to UniCredit Invest d.o.o. za upravljanje UCITS fondovima, with its registered office in Zagreb, OIB: 23889363045, LEI: 549300T0RFRCQ7Z21884, to establish and manage the open-ended investment fund with public offering onemarkets Fund – onemarkets UC Target Maturity Fixed Income 09/2029 Fund, as well as to include that sub-fund in the umbrella open-ended investment fund with public offering onemarkets Fund Umbrella UCITS Fund. The revoked authorisation also covered the approval of the prospectus and fund rules of the umbrella fund as amended with regard to the subfund onemarkets Fund – onemarkets UC Target Maturity Fixed Income 09/2029 Fund, the approval of ZAGREBAČKA BANKA DIONIČKO DRUŠTVO, with its registered office in Zagreb, OIB: 92963223473, LEI: PRNXTNXHBI0TSY1V8P17, as depositary of that sub-fund, and the approval for the sub-fund to invest up to 100% of its net asset value in bonds and money market instruments issued or guaranteed by the Federal Republic of Germany, the Kingdom of Belgium, the French Republic, the Kingdom of the Netherlands, the Italian Republic, Romania, the Republic of Croatia, the United States of America, and public international bodies to which one or more Member States of the European Union belong.
8. Decision granting authorisation to the company Erste Asset Management društvo s ograničenom odgovornošću za upravljanje investicijskim fondovima, with its registered office in Zagreb, Ulica Ivana Lučića 2A, OIB: 68572873963, LEI: 529900OY10YUOZTM4Z35, for material amendments to the prospectus of Krovni 2 open-ended investment fund with public offering (UCITS) in relation to the sub-fund Erste Balanced, ISIN: HRICAMUICBL4, OIB: 99792542550, LEI: 549300V7UZEJB35KG230
9. Decision granting approval to Erste Asset Management društvo s ograničenom odgovornošću za upravljanje investicijskim fondovima, with its registered office in Zagreb, Ulica Ivana Lučića 2A, OIB: 68572873963, LEI: 529900OY10YUOZTM4Z35, for the merger of the open-ended investment fund with public offering Erste Dollar Balanced, ISIN: HRICAMUIDBA5, OIB: 13767155554, LEI: 747800M05B799XFRU336, into the open-ended investment fund with public offering Erste Balanced, ISIN: HRICAMUICBL4, OIB: 99792542550, LEI: 549300V7UZEJB35KG230, both being sub-funds of the Krovni 2 open-ended investment fund with public offering (UCITS)
10. Decision granting authorisation to Davor Tomašković from Zagreb to perform the function of a member of the Management Board of CROATIA osiguranje d.d., Zagreb, OIB: 26187994862, LEI: 74780000M0GHQ1VXJU20, for a term of office lasting from 1 January 2027 to 31 December 2030
11. Decision granting authorisation to Robert Vučković from Zagreb to perform the function of a member of the Management Board of CROATIA osiguranje d.d., Zagreb, OIB: 26187994862, LEI: 74780000M0GHQ1VXJU20, for a term of office lasting from 1 January 2027 to 31 December 2030
12. Decision granting authorisation to Luka Babić from Zagreb to perform the function of a member of the Management Board of CROATIA osiguranje d.d., Zagreb, OIB: 26187994862, LEI: 74780000M0GHQ1VXJU20, for a term of office lasting from 1 January 2027 to 31 December 2030
13. Decision granting authorisation to Vesna Sanjković from Zagreb to perform the function of a member of the Management Board of CROATIA osiguranje d.d., Zagreb, OIB: 26187994862, LEI: 74780000M0GHQ1VXJU20, for a term of office lasting from 1 January 2027 to 31 December 2030
14. Decision granting approval to Damien Jean-Paul Andre August Ouvrard, a French national residing in Budapest, to perform the function of Member of the Management Board of Groupama osiguranje d.d., with its registered office in Zagreb, OIB: 98164456048, LEI: 74780000V0JHQ18WXI81, for a term of office lasting three (3) years
15. Decision granting authorisation to conduct insurance distribution business to the pre-company Adria Car Protect društvo s ograničenom odgovornošću za zastupanje u osiguranju, with its registered office in Zagreb
16. Decision granting authorisation to conduct insurance distribution business to Ana Karoglan from Split, founder of the insurance representation craft Vitoni Plus, obrt za zastupanje u osiguranju, vl. Ana Karoglan, Split, Peričićeva 16
17. Decision determining that the authorisation to conduct insurance distribution business issued to the company OPTIMUM TIM društvo s ograničenom odgovornošću za usluge (ex OPTIMUM TIM društvo s ograničenom odgovornošću za zastupanje u osiguranju), with its registered office in Zagreb, Trg Drage Iblera 9 (formerly: Masarykova ulica 14), OIB: 07331426094, represented by Marica Širinić, Managing Director, on 1 August 2019 by virtue of Hanfa Decision CLASS: UP/I 974-03/19-01/49, REGNO: 326-01-22-19-4, ceased to be valid on 19 August 2026
18. Decision removing Andreja Detelbach from Zagreb, ZO 14132, from the Register of authorised insurance agents, insurance and/or reinsurance brokers and ancillary insurance intermediaries, as of the date of the adoption of this Decision
19. Decision removing Kristijan Kolar from Zagreb, ZO 17656, from the Register of authorised insurance agents, insurance and/or reinsurance brokers and ancillary insurance intermediaries, as of the date of adoption of this Decision
20. Decision removing Manuela Rade Gvozdić from Zagreb, ZO 24690, from the Register of authorised insurance agents, insurance and/or reinsurance brokers and ancillary insurance intermediaries, as of the date of adoption of this Decision