Created by Anna Mileiko 
Partner banka d.d. was established in 1991 and became one of the first private banks with 100% Croatian ownership. Partner banka d.d. is a universal commercial bank focused on providing retail and business banking products and service to natural persons and companies in Croatia.
In 2023, Partner banka d.d. achieved the position of 13th largest bank in Croatia with a market share of 0.38%; its total assets dropped by 86.01%.
Additionally, the bank became the 11th profitable bank in relation to its total assets showcasing 0.27% return on assets and 2.10% return on equity in 2023.
Also the lender held the 5th position regarging its loans-to-deposits (L/D) registering 73.04% L/D ratio in 2023.
Deposits up to 100,000 EUR are covered by Croatian deposit guarantee scheme in Partner banka d.d.
HRK (Croatian kuna)
EUR (Euro)
CHF (Swiss franc)
USD (US dollar)
branch
online banking
Partner banka d.d. ranks as the 13th largest bank in Croatia by total assets. In 2023 its total assets were 300.50 mln EUR, representing a 0.38% market share. In 2023 the bank's annual profit was 3.36 mln EUR.
State Agency for Deposit Insurance and Bank Resolution (DAB)Partner banka d.d. protects deposits up to up to 100,000 EUR per depositor through Croatia's deposit guarantee scheme. The scheme applies to all accounts made by natural persons, legal entities. The bank participates in the State Agency for Deposit Insurance and Bank Resolution (DAB), making regular contributions into it.
Vončinina 2, 10000, Zagreb, Croatia
+385 1 4602-215
+385 1 4602-289Partner banka d.d. is headquartered in Zagreb.
Partner banka d.d. is authorized and supervised by the Hrvatska Narodna Banka.
HRKEURCHFUSDMaestroPartner banka d.d. provides products and services in the areas of retail banking, SME banking, corporate banking. Partner banka d.d. offers a range of products including current accounts, debit cards, time deposit accounts, consumer loans, safe deposit boxes.
branch online bankingProducts and services offered by Partner banka d.d. are available at its branches and via its online banking system.
In 2023 total assets of Partner banka d.d. were 300.50 mln EUR. Decline compared to the previous period (2022) was -86.01%. The evolution of the total assets of Partner banka d.d. is shown at Chart 1 below.
Chart 1. Total Assets of Partner banka d.d..
Recent changes in total assets of Partner banka d.d. and its main components are shown in Table 1.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 39.1 | 58.3 | +49.09% |
| Loans | 185.8 | 189.4 | +1.96% |
| Total Assets | 285.0 | 300.5 | +5.43% |
Table 1. Recent changes in total assets of Partner banka d.d. (mln EUR).
Recent changes in total liabilities of Partner banka d.d. and its main components are shown in Table 2.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Deposits | 245.1 | 259.4 | +5.80% |
| Total Liabilities | 285.0 | 300.5 | +5.43% |
Table 2. Recent changes in total liabilities of Partner banka d.d. (mln EUR).
Recent changes in gross profit of Partner banka d.d. and its main components are shown in Table 3.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Interest Income | 8.2 | 12.3 | +49.54% |
| Interest Charges | -1.4 | -1.9 | +31.61% |
| Net Interest Income | 51.0 | ||
| Commission Income | 1.0 | 1.0 | -0.61% |
| Commission Charges | -0.3 | -0.3 | +8.91% |
| Net Commission Income | 5.2 |
Table 3. Recent changes in gross profit of Partner banka d.d. (mln EUR).
In 2023 annual profit of Partner banka d.d. was 3.36 mln EUR. Decline compared to the previous period (2022) was -69.11%. The evolution of the annual profit of Partner banka d.d. is shown at Chart 2 below.
Chart 2. Annual Profit of Partner banka d.d..
In 2023 Partner banka d.d. was ranked the 13th largest bank in Croatiain terms of total assets, having 0.38% of the domestic market share. Partner banka d.d. also became # 15 in terms of loans (market share - 0.41%), # 14 in terms of deposits (market share - 0.39%).
Chart 3. Market share of Partner banka d.d. (among banks in Croatia)
Historical changes in Partner banka d.d.'s domestic rank and market share over 2019-2023 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2023 | 13 | 0.38 % |
| 2022 | 14 | 0.38 % |
| 2021 | 14 | 0.42 % |
| 2020 | 14 | 0.44 % |
| 2019 | 17 | 0.44 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Partner banka d.d. listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 12 |  | 0.60% | 473.62 mln EUR (+7.92%) |
| 13 | | 0.38% | 300.50 mln EUR (+5.43%) |
| 14 |  | 0.38% | 297.64 mln EUR (+6.28%) |
Discover key identifiers of Partner banka d.d. including its BIC, LEI, sort code, MFI ID.
BIC: PAZGHR2X
The BIC (also known as SWIFT code) for Partner banka d.d. is PAZGHR2X. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | PAZGHR2X |
| Bank BIC Code | PAZG |
| Country Code | HR (Croatia) |
| Location Code | 2X |
| Branch Code | - |
LEI: 549300XOV1SBR5LT5Q03
Partner banka d.d.’s LEI is 549300XOV1SBR5LT5Q03. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 549300XOV1SBR5LT5Q03 |
| LOU Identifier | 5493 |
| Reserved | 00 |
| Entity Identifier | XOV1SBR5LT5Q |
| Verification ID | 03 |
Bank Sort Code: 2408002
The Bank Sort Code for Partner banka d.d. is 2408002. This unique code identifies the bank within Croatia and is essential for domestic payment transactions.
| Key | Value |
|---|---|
| Bank Sort Code | 2408002 |
In Croatia bank sort codes are assigned bythe Hrvatska Narodna Banka (en: Croatian National Bank) and consist of 7 digits.
MFI ID: HR71221608291
Partner banka d.d.’s MFI ID, HR71221608291, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Croatia (HR), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | HR71221608291 |
| Country Code | HR |
| MFI Code | 71221608291 |
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