Flag of Croatia>

Economy and Banking Sector of Croatia

Major Banks of Croatia

Rank
1
Total Assets
113.24 bln HRK  (+10.82%)
Market Share
27.35 %
Rank
2
Total Assets
83,023.30 mln HRK  (+9.41%)
Market Share
20.05 %
Rank
3
Total Assets
61,435.10 mln HRK  (+7.39%)
Market Share
14.84 %
Rank
4
Total Assets
42,149.20 mln HRK  (+114.53%)
Market Share
10.18 %
Rank
5
Total Assets
32,624.58 mln HRK  (+3.95%)
Market Share
7.88 %
Rank
6
Total Assets
21,254.81 mln HRK  (+7.36%)
Market Share
5.13 %
Rank
7
Total Assets
18,380.52 mln HRK  (-13.30%)
Market Share
4.44 %

#1: Zagrebačka banka d.d.

Founded in 1914 as the City Savings Bank, Zagrebačka banka d.d. has been a member of UniCredit Group (Italy) since 2002. Zagrebačka banka d.d. operates as a universal commercial bank offering a full range of banking services to various customer groups in Croatia.

Services
retail banking
private banking
SME banking
corporate banking
institutional banking
brokerage services
Products
current accounts
time deposit accounts
debit cards
credit cards
consumer loans
mortgage loans
overdraft loans
investment funds
pension funds

Zagrebačka banka d.d. is the 1st largest bank in Croatia in terms of total assets. In 2018 its total assets were 113,24 bln HRK, providing the bank with the market share of 27.35%. In 2018 the bank's annual profit was 1 857,09 mln HRK.

Zagrebačka banka d.d. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BB+ (speculative). Zagrebačka banka d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#2: Privredna banka Zagreb d.d.

Privredna banka Zagreb d.d. was established in 1966 and in 2007 joined Intesa Sanpaolo Group (Italy). Privredna banka Zagreb operates as a universal commercial bank, serving individuals, small- and medium-sized enterprises and large corporates.

Services
retail banking
SME banking
corporate banking
Products
current accounts
giro accounts
student accounts
basic current accounts
savings accounts
time deposit accounts
debit cards
credit cards
prepaid cards
consumer loans
student loans
mortgage loans

Privredna banka Zagreb d.d. is the 2nd largest bank in Croatia in terms of total assets. In 2018 its total assets were 83 023,30 mln HRK, providing the bank with the market share of 20.05%. In 2018 the bank's annual profit was 1 379,82 mln HRK.

Privredna banka Zagreb d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#3: Erste & Steiermärkische Bank d.d.

Erste & Steiermärkische Bank d.d. was established by 2000 by Erste Group (Austria). In 2003 Erste & Steiermärkische Bank d.d. acquired Riječka banka d.d. Erste & Steiermärkische Bank d.d. is primarily focused on domestic retail customers, small and mid-sized companies, as well as on large corporations doing business in Croatia.

Services
retail banking
private banking
business banking
online brokerage
Products
current accounts
overdraft accounts
debit cards
savings accounts
time deposit accounts
children deposit accounts
housing savings accounts
structured products
consumer loans
agricultural loans

Erste & Steiermärkische Bank d.d. is the 3rd largest bank in Croatia in terms of total assets. In 2018 its total assets were 61 435,10 mln HRK, providing the bank with the market share of 14.84%. In 2018 the bank's annual profit was 829,72 mln HRK.

Erste & Steiermärkische Bank d.d. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BBB+ (good credit quality). Erste & Steiermärkische Bank d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#4: OTP banka d.d.

Initially tracing its roots back to 1955, OTP banka d.d. operates in Croatia under its current name since 2004, when OTP Group (Hyungary) acquired Nova banka. OTP banka d.d. is a universal commercial bank offering a broad range of retail, private, business and corporate banking solutions to natural persons, SMEs, and companies in Croatia.

Services
retail banking
SME banking
corporate banking
Area Served
HRCroatia
internationally
Products
current accounts
giro accounts
savings accounts
time deposit accounts
annuity savings
debit cards
credit cards
prepaid cards
consumer loans
housing loans
car loans
tourism loans

OTP banka d.d. is the 4th largest bank in Croatia in terms of total assets. In 2018 its total assets were 42 149,20 mln HRK, providing the bank with the market share of 10.18%. In 2018 the bank's annual profit was 166,42 mln HRK.

OTP banka d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#5: Raiffeisenbank Austria d.d.

Raiffeisenbank Austria d.d. started its business activities in 1994. Raiffeisenbank Austria d.d. is wholly-owned by Raiffeisen Bank International (Austria) and a member of Raiffeisen Banking Group. Raiffeisenbank Austria d.d. provides a comprehensive range of banking and other financial services to its customers, individuals and companies in Croatia.

Services
retail banking
premium banking
private banking
corporate banking
brokerage services
Products
current accounts
giro accounts
savings accounts
time deposit accounts
housing savings accounts
pension savings accounts
investment funds
consumer loans
housing loans

Raiffeisenbank Austria d.d. is the 5th largest bank in Croatia in terms of total assets. In 2018 its total assets were 32 624,58 mln HRK, providing the bank with the market share of 7.88%. In 2018 the bank's annual profit was 218,51 mln HRK.

Raiffeisenbank Austria d.d. is rated by Moody's. Long-term credit rating assigned to the bank by Moody's is Baa3 (lower medium grade). Raiffeisenbank Austria d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#6: Hrvatska poštanska banka d.d.

Hrvatska poštanska banka d.d. was established in 1991 as a fully-owned subsidiary of the Croatian Post. In 2015 Hrvatska poštanska banka was recapitalized by predominantly private shareholders. In 2019 Hrvatska poštanska banka completed the merger of Jadranska banka and HPB-Stambena štedionica. Hrvatska poštanska banka is a universal commercial banks focused on providing retail banking products and services to its customers in Croatia.

Services
retail banking
business banking
Products
current accounts
giro accounts
time deposit accounts
investment funds
housing savings accounts
safe deposit boxes
consumer loans
construction loans
mortgage loans
student loans
debit cards
credit cards
prepaid cards

Hrvatska poštanska banka d.d. is the 6th largest bank in Croatia in terms of total assets. In 2018 its total assets were 21 254,81 mln HRK, providing the bank with the market share of 5.13%. In 2018 the bank's annual profit was 151,86 mln HRK.

Hrvatska poštanska banka d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

#7: Addiko Bank d.d.

Addiko Bank was established in 2015, when Advent International and the European Bank for Reconstruction and Development acquired Hypo Alpe Adria with its Southeast Europe banking network from Heta Asset Resolution. Addiko Bank repositioned itself as a specialist consumer and SME banking group with a focus on growing its consumer business and SME lending activities as well as payment services, offering unsecured personal loan products for consumers and working capital loans for its SME customers funded largely by retail deposits. Addiko Bank’s mortgage business, public lending and large corporate lending portfolios are gradually reduced over time, thereby providing liquidity and capital for the gradual growth in its consumer business and SME lending.

Services
retail banking
Products
current accounts
debit cards
savings accounts
time deposit accounts
credit cards
consumer loans
car loans
mortgage loans

Addiko Bank d.d. is the 7th largest bank in Croatia in terms of total assets. In 2018 its total assets were 18 380,52 mln HRK, providing the bank with the market share of 4.44%. In 2018 the bank's annual profit was 170,99 mln HRK.

Addiko Bank d.d. participates in the deposit guarantee scheme of Croatia. This scheme covers accounts up to 100,000 EUR per bank per depositor.

See Also