The facts

Who files: Payment institutions established in Croatia and authorised by HNB to provide payment services, except an institution authorised only for the account-information or payment-initiation services in Article 4(7)-(8) of the Payment System Act, and the limited case in Article 99(5) of that Act (Article 1(2)-(3)). Source
How often: Once a year, at the same time as the audited annual financial statements (Article 6(5), citing Article 106(2) of the Payment System Act). Source
Deadline: Not stated as a specific number of days in the articles read; filed at the same time as the audited annual financial statements, as required by Article 106(2) of the Payment System Act. A new capital instrument's assessment form and an updated IPP-RK are separately due within 30 days of including it (Article 4(6)); HNB may also ask for unaudited IPP-RK/IPP-MRK reports on another date it sets (Article 6(6)). Source
Format: Excel. Part B of the IPP-MRK form must be delivered exclusively electronically as an Excel document (Annex 2, instructions for completing IPP-MRK); the delivery format of IPP-RK is not separately stated in the articles read. Source
How it is filed: The format above is what the library records; what could not be verified is on the HNB's page.
Status: In force
Legal basis: Decision on own funds of payment institutions (OG 126/2019 and 148/2022)
Payment System Act (OG 66/2018, 114/2022 and 136/2024)
Group: Payment institutions (national)

Templates (2)

The tables and forms inside the return. Plain name first, the HNB's code in brackets.

Report on the amount of regulatory capital (IPP-RK)
Report on the minimum required regulatory capital (IPP-MRK)

Two sheets ("IPP-RK FORM" and "IPP-MRK FORM") in the "Templates PI" workbook linked from HNB's page for this Decision. Source

Validation rules

No published validation rules were found for this return. Source

Public data

No published data from this return was found. No data from this specific report, by name, was found published by HNB on the pages checked. Source

Official documents (2)

The HNB's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Odluka o regulatornom kapitalu institucija za platni promet (Decision on own funds of payment institutions)
Legal text · PDF · 258.0 KB · 23 December 2022
Croatian-only unofficial consolidated text (OG 126/2019 and 148/2022). HNB's own page for this Decision (linked as source_page) in fact links the original, non-consolidated OG 126/2019 PDF; this consolidated version was found via a separate web search and fetched directly.
SHA-256 9eed3821cba7show in fullhide
9eed3821cba71dd3aefcc45ab6fcdbcaf849503e2c3518246181d895b7c3ce08
Templates PI
Template · XLSX · 16.3 KB
Two sheets: "IPP-RK FORM" and "IPP-MRK FORM".
SHA-256 38d6a49538dcshow in fullhide
38d6a49538dc33979c6660ed46f3bfbbe52f1b278d1a3bbfd867d14b6067b3d2

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see HNB's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Hrvatska narodna banka (Croatian National Bank), https://www.hnb.hr. Documents copied here are unchanged. The plain-English summaries are Line4's own; the Croatian National Bank does not endorse this library.

Last checked 13 November 2026.

Regulatory capital reports of payment institutions (IPP-RK / IPP-MRK)