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, which Croatia joined in 2020 in anticipation of its euro adoption in early 2023, 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

All 13 other Croatian LSIs were local banks:

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

As of October 2025, there were no branches of banks located outside the European Economic Area ("third-country branches" in EU parlance) in Croatia, based on data compiled by the European Banking Authority.

Credit unions

Croatia is one of six euro-area countries with credit unions, together with Estonia, Ireland, Latvia, Lithuania, and the Netherlands. Croatian credit unions are small cooperative credit institutions outside the scope of the EU Capital Requirements Directives, and thus regulated and supervised under national law. At end-2023, there were 10 such Croatian credit unions with total assets of ca. €76 million (US$83 million).^: 4

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)