Created by Anna Mileiko 
Nova hrvatska banka d.d. has been present in Croatia since 1997 and between 2012 and 2022 was operating under the umbrella of Sberbank Group (Russia). In March 2022, the bank became 100%-owned by Hrvatska poštanska banka d.d. and in April 2022, was rebranded as Nova hrvatska banka d.d. Nova hrvatska banka d.d. was a universal commercial bank offering its products and services to individuals and companies in Croatia. In July 2023 Nova Hrvatska Banka d.d. was legally merged with Hrvatska poštanska banka d.d.
In 2022, Nova hrvatska banka d.d. achieved the position of 8th largest bank in Croatia with a market share of 1.62%; its total assets dropped by 16.24%.
Additionally, the bank became the 21st profitable bank in relation to its total assets showcasing -2.44% return on assets and -23.50% return on equity in 2022.
Also the lender held the 3rd position regarging its loans-to-deposits (L/D) registering 91.15% L/D ratio in 2022.
Deposits up to 100,000 EUR are covered by Croatian deposit guarantee scheme in Nova hrvatska banka d.d.
branch
online banking
mobile app
Nova hrvatska banka d.d. ranked as the 8th largest bank in Croatia by total assets. In 2022 its total assets were 9,289.18 mln HRK, representing a 1.62% market share. In 2022 the bank's annual profit was -248.32 mln HRK.
State Agency for Deposit Insurance and Bank Resolution (DAB)Nova hrvatska 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.
Varšavska 9, 10000, Zagreb, Croatia
+385 1 4801-300
+385 1 4801-365
https://www.novahrvatskabanka.hr/Nova hrvatska banka d.d. was headquartered in Zagreb.
Nova hrvatska banka d.d. has profiles at the following social networks:
Nova hrvatska banka d.d. was authorized and supervised by the Hrvatska Narodna Banka.
HRK
MasterCard
MaestroNova hrvatska banka d.d. provides products and services in the areas of retail banking, SME banking, business banking. Nova hrvatska banka d.d. offers a range of products including current accounts, giro accounts, savings accounts, time deposit accounts, debit cards, credit cards, consumer loans, housing loans, investment funds, pension funds.
branch online banking mobile appProducts and services offered by Nova hrvatska banka d.d. are available at its branches and via its online banking system, mobile application.
Croatian
EnglishIn 2022 total assets of Nova hrvatska banka d.d. were 9,289.18 mln HRK. Decline compared to the previous period (2021) was -16.24%. The evolution of the total assets of Nova hrvatska banka d.d. is shown at Chart 1 below.
Chart 1. Total Assets of Nova hrvatska banka d.d..
Recent changes in total assets of Nova hrvatska banka d.d. and its main components are shown in Table 1.
| 2021 | 2022 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 2,306.8 | 1,187.6 | -48.52% |
| Loans | 7,714.3 | 7,320.8 | -5.10% |
| Total Assets | 11,089.6 | 9,289.2 | -16.24% |
Table 1. Recent changes in total assets of Nova hrvatska banka d.d. (mln HRK).
Recent changes in total liabilities of Nova hrvatska banka d.d. and its main components are shown in Table 2.
| 2021 | 2022 | change (%) | |
|---|---|---|---|
| Deposits | 9,527.9 | 8,031.9 | -15.70% |
| Total Liabilities | 11,089.6 | 9,289.2 | -16.24% |
Table 2. Recent changes in total liabilities of Nova hrvatska banka d.d. (mln HRK).
Recent changes in gross profit of Nova hrvatska banka d.d. and its main components are shown in Table 3.
| 2021 | 2022 | change (%) | |
|---|---|---|---|
| Interest Income | 332.6 | 323.6 | -2.70% |
| Interest Charges | -55.1 | -54.5 | -0.98% |
| Net Interest Income | 277.6 | 269.1 | -3.04% |
| Commission Income | 93.0 | 87.0 | -6.43% |
| Commission Charges | -24.6 | -21.6 | -12.40% |
| Net Commission Income | 68.4 | 65.4 | -4.27% |
Table 3. Recent changes in gross profit of Nova hrvatska banka d.d. (mln HRK).
In 2022 annual profit of Nova hrvatska banka d.d. was -248,320,605.21 HRK. Decline compared to the previous period (2021) was -841.28%. The evolution of the annual profit of Nova hrvatska banka d.d. is shown at Chart 2 below.
Chart 2. Annual Profit of Nova hrvatska banka d.d..
In 2022 Nova hrvatska banka d.d. was ranked the 8th largest bank in Croatiain terms of total assets, having 1.62% of the domestic market share. Nova hrvatska banka d.d. also became # 8 in terms of loans (market share - 2.30%), # 8 in terms of deposits (market share - 1.65%).
Chart 3. Market share of Nova hrvatska banka d.d. (among banks in Croatia)
Historical changes in Nova hrvatska banka d.d.'s domestic rank and market share over 2018-2022 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2022 | 8 | 1.62 % |
| 2021 | 8 | 2.21 % |
| 2020 | 8 | 2.39 % |
| 2019 | 8 | 2.56 % |
| 2018 | 8 | 2.33 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Nova hrvatska banka d.d. listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 7 |  | 2.81% | 2,204.91 mln EUR (-3.52%) |
| 8 | | 1.62% | 9,289.18 mln HRK (-16.24%) |
| 9 |  | 0.95% | 745.83 mln EUR (+6.34%) |
Discover key identifiers of Nova hrvatska banka d.d. including its BIC, LEI, sort code, MFI ID.
BIC: VBCRHR22
The BIC (also known as SWIFT code) for Nova hrvatska banka d.d. is VBCRHR22. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | VBCRHR22 |
| Bank BIC Code | VBCR |
| Country Code | HR (Croatia) |
| Location Code | 22 |
| Branch Code | - |
LEI: 529900NGK4TXO1F8FR52
Nova hrvatska banka d.d.’s LEI is 529900NGK4TXO1F8FR52. 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 | 529900NGK4TXO1F8FR52 |
| LOU Identifier | 5299 |
| Reserved | 00 |
| Entity Identifier | NGK4TXO1F8FR |
| Verification ID | 52 |
Bank Sort Code: 2503007
The Bank Sort Code for Nova hrvatska banka d.d. is 2503007. This unique code identifies the bank within Croatia and is essential for domestic payment transactions.
| Key | Value |
|---|---|
| Bank Sort Code | 2503007 |
In Croatia bank sort codes are assigned bythe Hrvatska Narodna Banka (en: Croatian National Bank) and consist of 7 digits.
MFI ID: HR78427478595
Nova hrvatska banka d.d.’s MFI ID, HR78427478595, 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 | HR78427478595 |
| Country Code | HR |
| MFI Code | 78427478595 |
TheBanks.eu identified several banks similar to Nova hrvatska banka d.d. based on various criteria, including:
