Irrational expansion of the trading network, poor economic valuation and excessive borrowing are the causes of the problem. The Agrokor business, the Todoric family, led by its founder, Ivic Todoric, was based on undisciplined lending of money in the market. Agrokor was rapidly expanding in Croatia and the region without control and control, so costs were rising, while traffic was falling as they took over the Mercator chain. Much investment was spent on the acquisition of Mercator, which failed to generate profits as expected by Agrokor. Agrokor's liabilities to investors and suppliers amount to around 5.6 billion euros. Agrokor easily borrowed without asking for costs and interest, while credit institutions were excessively exposed to credit risk. The Croatian Financial Services Supervisory Agency (HANFA) did not prevent the quotation of shares and bonds for Agrokor companies, and the Croatian National Bank (CNB) did not recognize the huge amount of false 1.3 billion euros with which the Croatian monetary system was drilled . Agrokor has a loss above the capital level of about 2 billion euros, while its total debt is about 7 billion euros and is not final. In BiH, Konzum's debt to suppliers exceeds € 150 million, which is many times more than its stock, which means that the money has already come out of BiH and has been used in Agrokor to repay loans
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