Understanding the financial terminology of a new language is essential for conducting business, understanding financial news, or even just managing your personal finances in that language. For those learning Croatian, becoming familiar with the basic financial terms can prove to be invaluable. Here we will explore some key financial expressions in Croatian, alongside their definitions and example sentences to help you incorporate these words into your vocabulary.

Valuta is a term used to describe the currency or money used in a particular country. It refers to the medium of exchange for goods and services.

Koja je trenutna vrijednost eura u odnosu na lokalnu valutu?

Banka refers to the financial institution where people deposit their money, save, and also take loans. Banks offer various financial services, including currency exchange and investing advice.

Moram otići u banku da deponiram svoju plaću.

Dionica refers to a share or stock in a company. When you buy a dionica, you’re buying a piece of ownership in that company.

Razmišljam o kupnji dionica u telekomunikacijskoj tvrtki.

Proračun means budget; it’s the plan for your spending, saving, and managing the money over a period of time.

Moramo pažljivo planirati naš obiteljski proračun za sljedeću godinu.

Investicija is an investment; it is the act of allocating resources, usually money, with the expectation of generating an income or profit.

Tražimo dobre mogućnosti investicije za naše ušteđevine.

Tečaj refers to the exchange rate; this is how much one currency is worth in terms of another.

Moram provjeriti trenutni tečaj dolara prije nego što promijenim novac.

Bruto dohodak is the gross income, which is the total income before any taxes or deductions are taken out.

Moj bruto dohodak je viši ovaj mjesec zbog prekovremenih sati koje sam radio.

Neto dohodak stands for net income, which is the income that remains after all deductions, such as taxes and social security contributions, have been made.

Neto dohodak mi je znatno manji nakon što se oduzmu svi porezi.

Kredit in Croatian refers to credit or a loan. It’s the money borrowed from a bank or another financial institution that you agree to pay back with interest.

Uzeo sam kredit kako bih kupio novi automobil.

Otplata means repayment; it’s the act of paying back money that you have borrowed, typically in installments.

Otplata za kuću nam se povećala nakon promjene kamatne stope.

Kamatna stopa refers to the interest rate, which is the amount charged by a lender to a borrower for the use of assets.

Tvrtka je dobila kredit s vrlo povoljnom kamatnom stopom.

Deficit is the amount by which expenses exceed income or costs exceed revenues.

Državni proračun pokazuje veliki deficit ovog kvartala.

Inflacija means inflation; it represents the rate at which the general level of prices for goods and services is rising, and subsequently, the purchasing power is falling.

Inflacija raste, što znači da će nam troškovi života biti veći.

Bilanca refers to a balance sheet; it’s a financial statement that reports a company’s assets, liabilities, and shareholders’ equity at a specific point in time.

Bilanca naše tvrtke pokazuje snažan rast kapitala.

With this essential financial vocabulary in Croatian, you’ll be better equipped to navigate the financial landscape in Croatia or discuss financial matters with Croatian-speaking individuals. Remember, practice makes perfect, so try using these terms in your daily conversations to get a firmer grasp of their usage and context.