List of banks in Croatia

The following list of banks in Croatia is to be understood within the framework of the European single market and European banking union, which means that Croatia's banking system is more open to cross-border banking operations than peers outside of the EU.

Policy framework

European banking supervision distinguishes between significant institutions (SIs) and less significant institutions (LSIs), with SI/LSI designations updated regularly by the European Central Bank (ECB). Significant institutions are directly supervised by the ECB using joint supervisory teams that involve the national competent authorities (NCAs) of individual participating countries. Less significant institutions are supervised by the relevant NCA on a day-to-day basis, under the supervisory oversight of the ECB. In Croatia's case, the NCA is the Croatian Financial Services Supervisory Agency, known as HANSA.

Significant institutions

As of 1 September 2025, the list of supervised institutions maintained by the ECB included no banking group based in Croatia as SI, but five other SIs based in the euro area had subsidiaries in Croatia. A study published in 2024 ranked them as follows:

• Zagrebačka banka (total Croatian assets ca. €25 billion at end-2023), subsidiary of UniCredit
• Privredna banka Zagreb (total Croatian assets ca. €22bn), subsidiary of Intesa Sanpaolo
• Erste & Steiermärkische Bank (total Croatian assets ca. €15bn), subsidiary of the Austrian Savings Banks Group
• Raiffeisenbank Croatia (total Croatian assets ca. €7bn), subsidiary of Raiffeisen Bank International
• Addiko Bank Croatia (total Croatian assets ca. €2bn), subsidiary of Addiko Bank

Less significant institutions

As of 1 September 2025, the ECB's list of supervised institutions included 15 Croatian LSIs, two of which were designated by the ECB as "high-impact" on the basis of several criteria including size:

• Hrvatska poštanska banka dd, a state-owned institution
• OTP Banka dd, subsidiary of Budapest-based OTP Bank

The other 13 Croatian LSIs were:

• Agram Banka dd, in Zagreb
• Banka Kovanica dd, in Varaždin
• Croatia Banka dd (hr), in Zagreb
• Imex banka dd, in Split
• Istarska Kreditna Banka Umag dd, in Umag
• J&T Banka dd, in Varaždin
• Karlovačka Banka dd, in Karlovac
• KentBank dd, in Zagreb
• Partner Banka dd, in Zagreb
• Podravska Banka dd, in Koprivnica
• Samoborska Banka dd, in Samobor
• Slatinska Banka dd, in Slatina
• Solvera Stambena Štedionica dd, in Zagreb

Other institutions

The Croatian National Bank and Croatian Bank for Reconstruction and Development are public credit institutions that do not hold a banking license under EU law.

Defunct banks

A number of former Croatian banks, defined as having been headquartered in the present-day territory of Croatia, are documented on Wikipedia. They are listed below in chronological order of establishment.

• First Croatian Savings Bank (1846-1945)
• Croatian Discount Bank (1868-1945)
• Istrian Loan Bank in Pula (hr) (1891-1928)
• Serbian Bank in Zagreb (1895-1945)
• Medulin Loan Bank (1898-1928)
• Jugoslavenska Banka (1909-1945)
• City Savings Bank of Zagreb (1913-1952)
• Slavenska Banka (1918-1925)
• Croatian State Bank (hr) (1941-1945)
• Cibalae Banka (hr) (1961-2000)
• Splitska banka (1965-2018)
• Primorska banka (2001-2018)

See also

• List of banks in the euro area