Thursday, 10 November 2022

Americans Investing in Brand New Zabok Medical Centre

November the 10th, 2022 - Americans are investing a huge sum of money in a brand new Zabok medical centre, but just how much of a role with the Croatian Health Insurance Fund (HZZO) play in it all?

As Poslovni Dnevnik/Marija Crnjak writes, although many details about the establishment of the new Zabok medical centre, which will be a centre for the treatment of malignant diseases, have yet to be defined, the University of Pittsburgh Medical Centre's (UPMC) investment of about 15 million euros in Hrvatsko Zagorje is the first investment of this magnitude by foreign investors in Croatian healthcare.

The announcement about the investment that will be realised in cooperation with the General Hospital Zabok and the St. Catherine Special Hospital (Sv. Katarina), owned by Dragan Primorac, comes at a time when the state seems to have decided to strengthen cooperation between public and private healthcare.

This is further evidenced by the public support that the founders of the future Zabok medical centre received when signing the cooperation agreement from the government representatives, and support for such projects will also be given by the new legal regulations that will direct patients to private institutions in the country instead of urging them to seek treatment abroad, regardless of whether they have contracts with HZZO or not.

However, we have yet to see how many services from the new Zabok medical centre will actually be made available to Croatia's residents who are HZZO insured individuals. Namely, as confirmed by them, HZZO wasn't officially contacted regarding the possibility of contracting services with the future Centre for Oncology.

For the American investors, however, this is certainly an investment in health tourism, considering that they will be able to gain the market of Croatia's entire wider region, as well as the whole of Europe. It is also the largest American healthcare institution that employs 92,000 employees and 5,000 doctors, with a massive annual budget of 23 billion dollars.

There are a total of 40 hospitals within the UPMC chain, and in addition to over the USA, they are currently present in Italy, Ireland, China and Kazakhstan. As they claim from St. Catherine, this large investment will provide Croatian patients with diagnostic and therapeutic services completely equivalent to those in the USA, in accordance with the existing prices set by HZZO.

The new Zabok medical centre will be located on the premises of the Zabok General Hospital, which the hospital has been renting out to the St. Catherine Special Hospital since back in 2008. It spans 2,200 square metres. In addition, two linear accelerators will be built for radiation purposes, the location has already been defined, and permits need to be obtained for this. The plan is to complete the brand new medical centre in a period of about one year.

"This is primarily about a huge step forward in the transfer of the latest knowledge and technologies from the USA, the kind of which we can only dream of. When we talk to Croatian oncologists, they believe that in a few years, with the support of UPMC, Croatia could be at the very top of the EU in terms of oncology services," Jadranka Primorac, a member of the administrative council of the St. Catherine Special Hospital stated.

She added that this type of therapy and treatment, as well as state-of-the-art diagnostics in cooperation with UPMC, must be available to every Croatian resident. "It is the beginning and the end of everything. If you look at EC strategies, one of the key steps forward is to make this kind of therapy available to everyone, regardless of their ability to pay. Among other things, this is why we have HZZO,'' she explained.

Zabok is apparently now preparing negotiations with the state insurer, HZZO, which so far has not quite fulfilled all the efforts of private institutions to offer their services to the Institute's policyholders in greater numbers. One of the key obstacles was often the too low price of the services covered by HZZO, and since these are new services that didn't even exist within the Croatian healthcare system, those prices have yet to be established.

Negotiations with HZZO will certainly be one of the most important steps for future partners. Director of the Zabok General Hospital, Tihomir Vancina, pointed out that there are still a number of operational and technical matters to be resolved, from space to personnel engagement.

"We agreed in principle that we want to build the Zabok medical centre, and now we need to see how to implement it all," stated Vancina, who believes that everything can be done in the space of one year, especially considering that the investment has been under consideration for four years since the UPMC team was in Zabok for the first time. "This will be a huge step in improving the quality of the treatment on offer.

In the Zabok General Hospital, we have departments where our oncology patients can have part of the procedure, but for the rest they have to go to Zagreb, which will not be necessary in the future. The cancer survival rate in the USA is significantly higher than it is here in Croatia, precisely because of the available therapy that we're now bringing to the country. For the state, this is an ideal model, because it doesn't have to invest in space, equipment and personnel, it only has to pay for the services," concluded Vancina.

For more, make sure to keep up with our dedicated news section.


Wednesday, 9 November 2022

Report of Sexual Assault as US Navy Carrier Departs Split

November 9, 2022 - As the USS George H.W. Bush carrier departs Split, the news of a sexual assault on Croatian soil emerges.

Last weekend, while the carrier was staying in the port of Split, it is reported that a group of officers rented a house with a swimming pool and sauna in the Marina area near Trogir. As Slobodna Dalmacija writes, the young sailors were having fun, and upon returning to the carrier, one of the female 20-year-old sailors reported to her superior officer that she had been raped at that party.

Slobodna Dalmacija learned that, according to the victim's story, the sexual assault took place in the sauna. She was there at the time with one other female and one male sailor, and one of them pushed his fingers into the victim's genitals without her consent. 

The US navy investigators immediately launched an investigation, and they requested assistance from the Split police on Sunday, November 6. They asked for their help with conducting an investigation at the scene, taking any potential video surveillance footage, and talking to the owner of the house. A day later, the carrier set sail from Split in an unknown direction, and on it were both the victim and the possible perpetrator. American soldiers and sailors are "untouchable" in Croatia as far as their criminal responsibility is concerned since 2008, when the Croatian Parliament made an exception for the US armed forces in Croatia.

One of the examples of similar instance dates back to 2006, when a 20-year-old drunk pilot from the aircraft carrier "USS Enterprise" broke into the house of a 85-year-old woman from Split in Bačvice, grabbed her while she was sleeping, threw her to the ground and abused her until two of her neighbors came to the rescue. The American navy police arrived at the scene of the incident and arrested the pilot, taking him to the ship for detention. He was allegedly later given a dishonourable discharge, but he was not held accountable in Croatia, where he reportedly committed the crime.

Wednesday, 9 November 2022

Olive Harvest 2022 Underway on Korčula Island

November 9, 2022 - Following the old adage "All Saints - ladder on the olive tree", the olive harvest 2022 has started on the island of Korčula. 

Dora Lozica writes for Slobodna Dalmacija about what the olive oil producers of the island have to say about this year's results of their efforts. The dry year brought a somewhat weaker crop, however, the amount of oil in the olives is slightly larger than usual as well.

The early stages of the year were promising this year, the flowering was excellent, but the extremely warm and dry weather of the summer and early fall had an impact on the crop. Ranko Surjan, president of the Vela Luka Association of Olive Growers said that the olives withstood the drought, but the fruit is somewhat dry, which results in a high ratio of oil within each olive, usually over 20 percent. However, the harvest will not be as good as last year's, the oil will lack the fruitiness and other characteristics we are used to since the olive did not have enough water in the ripening stage to develop all the flavors. This, of course, does not mean that the oil will not be good, it will be excellent, these are nuances that only experienced olive growers recognize.

Thanks to the Association of Olive Growers of Vela Luka, which will soon celebrate its 20th anniversary, the people of Korčula can boast the label of origin of Korčula olive oil. They started the project of obtaining the brand back in 2006, and although they were assured that it would be difficult to get it, the members of the association were persistent, so today they are the proud owners of the first, protected, Dalmatian island, olive oil. The growers from the association want as many producers from the whole island as possible to join the brand, because it guarantees the promotion of the island, but also quality, proper cultivation and harvesting.

"You should harvest your olives at the optimal moment, when the fruit is physiologically healthy, usually harvesting begins in mid-October. The fruit should be kept in open crates for as short a time as possible before processing, a maximum of 48 hours. Shakers significantly speed up the harvest, if we harvest everything by hand, and the harvest will drag on until the end of December, then the oil will not be good either. There are several processing plants on the island." Ranko explains.

One of the reasons for the good yields throughout the island are local traditional varieties, which produce a lot of oil. On the western part of the island, Lastovka and Drobnica predominate, less Orgula, which is characteristic of the central and eastern part of the island. Orgula is also the most widespread variety in Dalmatia, it has its advantages, Ranko points out, but it is not native like Lastovka.

For a long time, the story has been that the price of olive oil is supposed to increase. But nobody really expected that the olive harvest 2022 would produce oil sold for as much as 200 kn per litre in some local groups. The economic and energy crisis is the cause of the increase in food prices in general, but is this price of olive oil realistic? "The price of processing is increasing because the price of energy sources is increasing, especially electricity for the economic sector, as well as the price of packaging. Last year, across the island, the price of processing was 1,20 - 1,30 kuna per kilogram of olives, this year it is 1,50. I think 120 to 130 kuna per liter for olive oil from the olive harvest 2022 is an average and realistic price," Ranko explains.

Wednesday, 9 November 2022

Discover the Croatian Danube: House of Magnificent Milutin Milankovic

November 9, 2022 – As part of our Croatian Danube series, TCN has visited Dalj, and we can say that we have been to what must be the most important house in the village. One that many people had no idea stood there for over 150 years now. Even though NASA named Milutin Milankovic one of the 15 greatest scientists of all time, he might be one of the most underrepresented and underrated in Croatia.

Milutin Milankovic, the astronomer, geophysicist, climatologist, mathematician, inventor, engineer, Doctor of Technology, university professor, and writer, was born in Dalj in 1879, in what was the Austro-Hungarian Empire. He studied in Osijek and acquired his diploma and Ph.D. in Vienna, where he worked as an engineer until 1909. He then became a university professor in Belgrade, where he worked until 1955. He was a member of the Serbian and Croatian Academies of Sciences and Arts. He spent WWI in internment in Budapest. He died in Belgrade in 1958. His remains were, per his wish, taken back to Dalj in 1966, where he was buried in his family tomb, along with his twin sister, brothers, parents, and many of his ancestors.


His contribution to science was vast and significant. Without pretending that we can understand his scientific work, just the list of his works and publications would impress any reader. His primary focus was on cosmic questions and life on Earth, the sun, ice ages, and how they influenced life on Earth. Some of his most famous work revolves around the Earth's orbital cycles, a theory confirmed by NASA, in which he provided mathematical explanations of the reasons, causes, frequency, and duration of ice ages on Earth, as well as other aspects of the Earth’s climate. Milutin Milankovic is also the author of the most precise calendar to date, with a difference of only 2 seconds between Milutin’s calendar year and the currently in use tropical (solar) year.




Along with scientific writing, Milankovic was versed in lyrical prose and wrote three volumes of memoirs on his life, his birth house, the village of Dalj, and the Danube, which was an endless source of inspiration. In his memoirs, he left detailed descriptions of his house and backyard, including all the flowers and plants, the pine that stood under his window, and the view of the mighty river. The house was declared a cultural monument in 1979 but had suffered the consequences of the passage of time and the war. Even though Milutin's nationality did spark debates between Croatians and Serbians, just like a certain other scientist, the municipality of Dalj invested in the recounstruction of Milutin Milankovic's birth house, where they created a cultural and scientific educational centre. The centre is equipped with models, presentations, and projections, including Milutin's space room. The backyard is a comfortable, inviting, fresh green space, with a gazebo just beside Milutin's beloved pine, which stands strong and tall. The observatory is the perfect venue for stargazing nights and special events. 


And even though the people of Dalj know, love, and are happy to visit Milutin's house, the vast majority of Croatian people do not, or do not know, that they can visit it too. Not only can you visit the original house and see this magnificent exhibition firsthand, but you can also schedule an educational visit to learn about Milutin's life and legacy, explore the interactive presentations, and even try to find new stars using the telescope. The best part - the visit is completely free. Come on, where else do you get that? To schedule a visit, send an e-mail or call the contacts here.


How good is your knowledge of eastern Croatia? Take the CROMADS test above - how many places do you recognise?

For more, make sure to check out our dedicated Travel section.

Wednesday, 9 November 2022

How to Croatia - Getting an OIB and Opening a Bank Account

November the 9th, 2022 - In our latest edition to our How to Croatia series, we look into how to get a personal identification number (OIB) and open a Croatian bank account as a resident.

It appears that wherever we may roam on this tiny blue dot taking trips around the sun, we end up ‘roaming’ into a taxman. Croatian taxes are the bane of society for a multitude of reasons, but I won’t get into that now. Once you’ve got your residence permit, you’ll need what’s known as an OIB to be able to work, open a bank account, and do just about anything. You can obtain an OIB without residence, too, or before you embark on the residence process.

What is an OIB?

An OIB, or personal identification number (or tax number) is a little bit like a national insurance number (you’ll know what I mean if you’re British), but you’ll end up using it so much in Croatia that you’ll likely end up remembering it. Does anyone else never look at their UK NI? Christ only knows what mine is. The funny thing is that I’ve used my OIB so often that I know it back to front. Bit sad, really. Anyway, back to the point! An OIB is very easy to get, you can simply visit your local tax office (porezna uprava) and ask for one. You’ll just need your passport or other form of government-issued ID.

You can also make the request for an OIB online by visiting and selecting ‘Dodjeljivanje OIBa’ (Assigning an OIB), then selecting English language as your language of choice (EN).

Getting an OIB assigned to you is so easy that if you’ve gone through the residence process first, you might think you’ve done something incredibly wrong. You haven’t. This is one of those situations in Croatia that seems too simple to be true. Cherish them, they happen at random and are kind of few and far between.

Once you have an OIB, you can open a Croatian bank account as a resident.

Opening a Croatian bank account

There are numerous banks available in Croatia, with the Croatian National Bank (Hrvatska narodna banka or HNB/CNB for short) serving as the independent regulator of commercial banks operating in the country. 

The CNB was established as part of the Croatian Constitution which was passed by Parliament on the 21st of December, 1990. It issues banknotes, holds the national monetary reserves, aims to maintain stability and ensures the financial liquidity and soundness of the country’s financial system. The CNB joined the European System of Central Banks and started performing its role under the Statute of the ESCB and the ECB, following Croatia’s entry into the European Union back in July 2013.

Some of the most popular banks in Croatia are Privredna banka Zagreb (PBZ), Zagrebačka banka, Erste & Steiermärkische bank, Raiffeisenbank Austria Zagreb (RBA), and Hrvatska poštanska banka (HPB). There are of course others, such as Addiko bank and OTP, but there’s no need to list them all. Many banks are foreign owned, and those such as Erste are very popular with expats thanks to their ease of use, very good mobile app, and good customer service. There are English language options on banking apps and on their websites.

To facilitate your transactions (paying rent, paying the bills) to receive your Croatian salary and have a local bank card, and to do literally anything financially, you’ll need a Croatian bank account.

What do I need to open an account?

To open a bank account in Croatia, you’ll need an OIB. Generally speaking, you’ll need a valid passport, your residence permit (either your ID card or your registration certificate, if your card isn’t yet finished) and the bank’s application form that you can find online or get directly at the bank to open a bank account as a foreign national. Most of the staff working in banks speak a decent level of English, so you shouldn’t have any communication difficulties. The process is fairly quick.

Types of Croatian bank accounts, apps and online banking

The most typical account types are giro, current and savings account. Some banks offer automatic overdrafts once you open an account, while in others you have to apply for an overdraft once the account has been set up.

As stated, most banks offer online and mobile banking services, which comes in handy when paying the bills, for example, because you can simply scan the QR code that can be found on every payment slip and the payment information is filled in automatically, so you simply have to authorise the payment, click send and the job’s done.

Bank loans for foreigners

Applying for a bank loan is a modern reality in a society which lives increasingly on credit. Inflation and spiralling prices are likely to force more and more people to live this way. Croatia is no exception in putting things on the plastic, even though so many people still love to carry cash, and of course, some cafe bars, pubs and even restaurants like to pretend their POS machines are broken until the tourist season arrives. You can probably guess why... Despite that, many Croatian households of all classes have loans from the bank for a variety of different reasons.

I’ll be blunt, the procedure for getting a bank loan in Croatia is not simple. There are many hoops to jump through, requirements to satisfy, papers to obtain and time to kill, at least in the bank’s eyes. Unless you are armed with an extra dose or ten of patience (or you’ve been sedated), you have a particular masochistic passion for providing people with documents, copies of said documents and filling out forms with half-chewed pens stuck to tables by strings, frustration will be your main companion and your eyes will probably see more of the back of your skill than much else, you know, what with all the rolling they’ll be doing.

Many doe-eyed, would-be foreign buyers of Croatian property seek to borrow funds from the bank to help with their purchases. Despite lots of promises and stringing along, there is still no mortgage product on offer in Croatia for foreign buyers, so please, please, bear this in mind.

Opening times

Opening times for banks will be clearly displayed on their doors, their websites and their apps. Be aware that Croatia is the land of religious holidays, bank holidays, and random days where things just aren’t open. Those days can of course affect the operating hours of banks. Luckily, many things can now be resolved online and through mobile banking, thanks to virtual assistance and even instant chats.


Just like across the vast majority of the rest of this modern, fast-paced world, ATMs can be found all over in Croatia, they have even been ‘evicted’ from the hearts of ancient towns like Dubrovnik. You’ll have no problem finding one, and the vast majority (if not all of them) have different language options you can select before withdrawing cash or checking your balance. Do keep in mind that different banks have different limits on how much cash you can withdraw in any given 24 hour period, so make sure to check what yours is.


For more on How to Croatia, from adopting pets to getting health insurance, make sure to keep up with our lifestyle section.

Wednesday, 9 November 2022

Zlatko Dalić Announces Final 2022 World Cup Croatia Squad

November 9, 2022 - The final 2022 World Cup Croatia squad was announced today. 

Croatia national team coach Zlatko Dalić announced the final 2022 World Cup Croatia squad two weeks before Croatia's first match in Qatar. The final list of 26 players was announced at a press conference in Zagreb. 

Recall Hajduk goalkeeper Lovre Kalinić was not included in the wider list due to injury.

Goalkeepers Kotarski and Labrović, defenders Ćaleta-Car and Pongračić, midfielders Mišić and Ivanušec, and forwards Čolak and Brekalo were dropped from the final list and are not going to Qatar from the wider list. 

National teams can have between 23 and 26 players on the final list of players for the World Cup.

The Croatian Football Federation (HNS) must submit the final list of players to FIFA on November 14. After that, it is possible to change players up to 24 hours before the first match in case of injury.

2022 World Cup Croatia Squad

Goalkeepers: Dominik Livaković, Ivica Ivušić, Ivo Grbić

Defenders: Domagoj Vida, Dejan Lovren, Borna Barišić, Josip Juranović, Joško Gvardiol, Borna Sosa, Josip Stanišić, Martin Erlić, Josip Šutalo

Midfielders: Luka Modrić, Mateo Kovačić, Marcelo Brozović, Mario Pašalić, Nikola Vlašić, Lovro Majer, Kristijan Jakić, Luka Sučić

Strikers: Ivan Perišić, Andrej Kramarić, Bruno Petković, Mislav Oršić, Ante Budimir, Marko Livaja

Croatia plays their first match on Wednesday, November 23, at 11 am Croatia time against Morocco. On Sunday, November 27, Croatia meets Canada, and on Thursday, December 1, Croatia plays Belgium in their final Group F match. 

To follow the latest sports news in Croatia, follow TCN's dedicated page

Tuesday, 8 November 2022

Programme Published for Vukovar Remembrance Days 11-20 November

November 8, 2022 – The city of Vukovar has published the full programme for this year’s Remembrance Day. The full schedule will stretch over ten days, from Friday, the 11th November, to Sunday, the 20th.

The scope of the programme is broad, with institutions such as the county hospital, the city library, its museums, veteran associations, and more all taking part. On top of the events happening in Vukovar, the official programme includes other Croatian cities where candles will be lit on the evening of the 18th of November.

programme.jpgGrad Vukovar

The first of the events included in the programme will be a professional meeting of the Croatian Society of Emergency and Medical Intensive Care at the National Memorial Hospital in Vukovar at 5 pm on Friday, the 11th and Saturday, 12th November. On Saturday, the 12th, the Sv. Bono Centre by the monastery will host an exhibition of artwork and models of the Vukovar Watertower and a meeting of war reporters.

On Monday, the 14th, the Municipality Museum is organising a Multimedia Exhibition of their archive photos and videos, while the Institute of Social Sciences Ivo Pilar will host an online seminar titled Vukovar Today – Memories, Experiences and the Reality of Living.

On Tuesday, the 15th, the Croatian Culture House (Hrvatski Dom) is hosting an exhibition titled Vukovar Execution Grounds, opening at 1 pm. The same venue will host the 18th Stories From My City Memorial on Wednesday, the 16th at 5 pm. The Association of Vukovar’s Women Veterans is hosting the 10th Festival of Unpublished Patriotic Poetry Grad u Školjci (The City in a Seashell), starting at 6 pm at the Ružička House.

On the morning of Thursday, the 17th, at 10 am, the associations of families of the city’s volunteers will lay roses and candles on the graves of Vukovar’s defenders. At 11 am, the Dragutina Tadijanovića primary school will host the 13th Vukovar History Lesson titled Naša pjesma, naša snaga (Our Song, Our Strength). At noon, the City Library will host a Siniša Glavašević memorial panel on the Croatian Diaspora for Vukovar, titled The City – It Is You. At 1 pm, a scientific symposium on the Vukovar’s war hospital will take place in the Sveti Bono Pastoral Centre. At 2 pm, a monument to Kata Šoljić and her four sons who have died defending Vukovar will officially be revealed at Bartola Kašića bb. At 4 pm, the veteran associations will lay wreaths and candles and say their prayers at the votive chapel Put Spasa (Way of Salvation) at Kukuruzni Put – a path through the cornfield which served as the only link between Vukovar and the territory of the Croatian army in late summer and autumn of 1991. At 5 pm, the National Police Union will pay their respects at Hrvatski Dom. Ending the day, at 7 pm, the Vukovar Hospital will be the traditional venue for a candlelit prayer, with the support of Klapa Sveti Juraj.

On Friday, the 18th, Vukovar’s pupils will traditionally light the candles along the city’s main roads in preparation for the memorial parade, whose start will be at the hospital at 10 am for the commemorative programme, and 10.30 for the parade itself. The arrival at the Vukovar Memorial Cemetery is expected at 12, with the national and city officials laying wreaths and paying their respects at 12.15, while the holy mass will take place at 12.30. At 5 pm, the Danube will become a Memorial River of Light. At 6 pm, other Croatian cities will pay their respect by lighting candles on their local Vukovar Street or the main street.

On Saturday, the 19th, the pupils will light candles in the Borovo naselje area. The memorial programme starts at 9.30 at the Borovo Commerce, which served as a war hospital and shelter. The memorial parade will pass through the Blago Zadro and Trpinjska Cesta streets, reaching the Gospa Fatimska Church for the holy mass at 11. At 12.30 pm, respects for the veterans and civil victims of the war will be paid at the bank of the Danube in Borovo Selo. The same will be done at the Lovas Farm at 1 pm, while the Vukovarske Majke Association will honour those who went missing in the war at 1.30 pm at Sportska Ulica bb in Borovo naselje.

Finally, on Sunday, the 20th, respects will be paid, and wreaths will be laid for the victims of concentration camps at the Velepromet venue in Vukovar, where the holy mass will start at 9.30 am. At 10.30 am, a memorial parade from the Memorial Cemetery to the Ovčara site will walk to honour the victims of this concentration camp. At 1 pm, wreaths will be laid there, followed by prayer. At 2.30 pm, a holy mass in honour of all the dead and missing Croatian veterans and civilian victims, as well as the victims of the Ovčara mass grave. It will take place at St Philip and James Church in Vukovar.

TCN will be in Vukovar to pay respects and walk the memorial parades on the 18th and the 19th of November. In the meantime, let us remind you that Vukovar also lives the other 364 days of the year.



For more, follow our dedicated Travel section.

Tuesday, 8 November 2022

Zadar Agency Telum Rethinking Personal Data Protection With New Tool

November the 8th, 2022 - The Zadar agency Telum has created a new and innovative tool which will help us rethink our personal data protection as things are set to change significantly with third party cookies.

As Poslovni Dnevnik/Josipa Ban writes, privacy protection, which is most obviously reflected in the abolition or blocking of third-party cookies, has caused tectonic changes in digital advertising, and as such in ever-present digital media.

Huge changes are happening in this field because over more recent years, digital advertising has become "dependent" on third-party cookies. How could it not rely on it, when you take into account the fact that cookies are what lead advertisers to exactly where they need to be and who they need to be shown to by said individual's preferences?

In addition to targeted ads, cookies also enable advertisers to measure their own campaign results, user profiling and optimisation, all with the aim of achieving the best possible marketing results. However, third party cookies are increasingly being blocked by users and web browsers themselves due to privacy protection issues.

For example, the Safari browser has already discontinued them, and the consequences of such practices can be seen in the Zadar agency Telum, which is a marketing agency that has been involved in the creation, management and optimisation of Internet marketing campaigns for fourteen years now. The most important goal of marketing is performance, i.e. earnings and the growth of the client.

"When it comes to measuring the success of campaigns, we're already noticing that 50 percent of solutions that rely on third party cookies become invisible precisely because of their rejection," explained Mario Ivic, the founder and director of the Zadar agency Telum.

The situation will become even more difficult when one of the leading web browsers, Google's very own wildly popular Chrome, also chooses to block their use, which has already been announced for the third quarter of 2024. The consequences of such a move will be felt not only by advertisers but also by digital media.

"Everything starts with the advertiser themselves. They should adapt the measurement of campaign results to the increasingly frequent blocking of third party cookies. If they don't, they'll lose a lot of information, and this affects the quality of data optimisation. That being said, a much bigger problem is that with weaker targeting and user segmentation capabilities, campaigns become less efficient, and therefore less well paid. This inevitably spills over to publishers, that is, digital media, who have to reckon with a smaller number of advertisers and lower prices," explained Ivic.

Advertisers and digital media must therefore adapt to these new market conditions, and the solution, says Ivic, who is also the co-owner of Midas Network, a platform for native advertising, is in the preparation of technology for "first party" data, which enables user profiling on only one single domain.

"This somewhat reduces the quality of the data, but there are solutions that minimise this effect. These are CDP (Customer Data Platform) or DMP (Data Management Platform) solutions that enable user segmentation. By standardising these segments, over time, you can achieve a situation in which advertising becomes almost as good as it was with third party cookies,'' Ivic pointed out, and adding that some publishers are already using these solutions, while others haven't even started preparing for this yet.

The Zadar agency Telum, a marketing agency that stands out of the crowd for its own development of digital tools that help clients make their campaigns more successful, is also working on a solution to this problem, and that saw it placed on Deloitte's ranking of the fastest growing technology companies in Central Europe for three years in a row (from 2016 to 2018).

However, Ivic doesn't want to reveal much at all until the product is fully developed, so he just briefly pointed out that the software should be on the market in about three to four months, and its specialty will be that it will be the first solution adapted to the specifics of the Croatian market and at the same time be the only Croatian solution of that category for digital advertising using first party data.

Telum's brand new digital tool should be an additional tailwind for the company that has carried out more than three thousand campaigns to date, which achieved 18 percent growth in revenue in 2021, and which should be even higher in 2022. It should help advertisers and digital media minimise the negative effects of privacy protection policies and cookie blocking.

For more on Croatian companies, make sure to check out our dedicated business section.

Tuesday, 8 November 2022

Following Government Session, New Croatian Fuel Prices As Of Today

November the 8th, 2022 - Croatian fuel prices have been altered following a recent government session and the new prices for all types of fuel are actual as of today. We'll provide a list below of what they are and what they would have been without intervention.

As Poslovni Dnevnik writes, following yesterday's session, the Croatian Government adopted the decree on establishing the highest retail prices of oil derivatives. According to the regulation, the highest prices are determined by a formula with a fourteen-day calculation period implied.

Margins in the aforementioned regulation are limited to 0.65/l kuna for petrol (gasoline) and diesel, 2.80/kg kuna for LPG for tanks, and 6.20/kg kuna for LPG for bottles.

The price of blue diesel is fixed at 8.49/l kuna.

This new set of Croatian fuel prices and this particular regime will be applied for the next fourteen days, the government also announced.

The new Croatian fuel prices (as of today) are as follows:

- 11.58 kuna/l for petrol (gasoline) fuel - (48 lipa more expensive)

- 13.19 kuna/l for diesel fuel (25 lipa cheaper)

- 10.16 kuna/kg for LPG for tanks (5 lipa more expensive)

- 8.49 kuna /l for blue diesel – the price has remained the same as before

- 14.41 kuna/kg for LPG for bottles - 5 lipa more expensive

Without the aforementioned capping and measures, Croatian fuel prices would be the following:

- 13.37 kuna /l for petrol (gasoline) fuel

- 15.13 kuna /l for diesel fuel

- 10.45 kuna /l for blue diesel

- 12.01 kuna /kg for LPG for tanks

- 16.75 kuna /kg for LPG for bottles of 7.5 kg and more.


For more on Croatian news, make sure to keep up with our dedicated section.

Tuesday, 8 November 2022

Interliber 2022's Profits Important as Inflation Drives Cost Up

November the 8th, 2022 - Interliber 2022 is hoping to realise a certain level of profit, putting more emphasis on it than ever before as spiralling inflation continues to force the cost of just about everything up.

As Poslovni Dnevnik/Josipa Ban writes, publishers have high expectations from Interliber 2022 in Zagreb, famous for being the largest book fair in the country. They have calculated that they will finally get closer to their pre-pandemic figures and one of the best years of the fair which took place back in 2019, when almost 150,000 people visited Interliber.

Interliber 2022 is the first "normal" year for Interliber, after it failed to be held back in 2020 due to the coronavirus pandemic, and last year it was held with the obligation of covid certificates, with only 55 thousand people visiting it. This year is naturally of great importance to publishers as this large book fair brings them from 5 to 25 percent of their annual income.

"Last year, sales were at the level of cost coverage. We expect this year to be at least 50 percent better. On top of that, we expect the results to rise and approach those from back in 2019. This edition should be dynamic, both economically and promotionally,'' pointed out Slavko Kozina, president of the Association of Publishers and Booksellers of the Croatian Chamber of Commerce (HGK). The participation announcements this year are also significantly higher than they were last year, with as many as 66 publishers set to participate in the fair, more than last year. More precisely, 296 of them from an impressive 15 countries.

Among them is the Mate publishing house, which specialises in business literature and high school textbooks. They didn't participate last year, because due to epidemiological measures and the limitation of the number of people at the fair, they estimated that it simply wasn't worth it, according to Sanda Tomljenovic Polic, the editor and sales coordinator at Mate. They will be present at Interliber 2022, however, where they achieve a monthly turnover in just six days. However, Interliber 2022 isn't important to them solely because of traffic, but also because it allows them contact with their customers.

"We sell through the web or via distributors, so this is a great opportunity for us to socialise with people and hear their comments for ourselves," stated Tomljenovic Polic, announcing attractive discounts of 15 to 80 percent.

In addition, at Interliber 2022, Bernard Marr's book "Artificial Intelligence in Practice" will be presented, in which the author provides detailed research on 50 companies that have successfully integrated AI into their business practices.

From Fraktura, which annually publishes about a hundred new titles, they have prepared 15 of them for Interliber 2022 alone. "I believe that the fair will be crowded this year," Seid Serdarevic, editor-in-chief of Fraktura, is convinced.

"It's a great source of income for everyone, and this will be especially important this year due to the increase in the prices of raw materials", warned Serdarevic, pointing out that the price of printing is 40 to 60 percent higher this year compared to last year, while the price of paper has also shot up significantly.

"The jump in costs was caused by the global coronavirus pandemic, the Russia-Ukraine war and inflation, and all of this creates pressure on the final price of the product, i.e. the book,'' said Serdarevic, adding that there has been a certain increase in the price of books in general, but that publishers are trying to minimise it so that physical books will continue to be affordable and available to Croatian buyers.

Although researches show that Croats don't read all that much anymore, the fact remains that of all the creative industries, this publishing industry is the toughest. In the last five years, the Croatian publishing scene has gone through three major crises, the failure of Algoritm, then the 2017 Agrokor crisis, and recently the coronavirus crisis, and in the end they successfully overcame it all.

As far as sales are concerned, this year things were solid with a slight increase compared to last year. Slavko Kozina pointed out that the latest figures for the business year of 2021 showed an increase in income of five to seven percent compared to pandemic-dominated 2020. It is the industry that, according to him, employs about 3,200 people and annually generates a massive one billion kuna in revenue.

For more, make sure to keep up with our dedicated news section.

Page 9 of 3717