Leading Bank in Croatia
Zagrebačka banka has been the leading bank in Croatia in terms of the quality of products and services, technical innovations, number of customers etc. for years.
In Croatia, the Bank operates with 80 000 corporate customers and over 1.1 million private customers, which means that every fourth citizen is a customer of Zagrebačka banka.
As a member of the UniCredit Italiano Group since March 2002, one of the most successful banking groups in Europe, Zagrebačka banka has also been one of the leading banks in CEE.
The Bank accounts for 25% of total assets of the Croatian banking sector and, as a co-owner of the UniCredit Bank in Mostar, 17% of the total assets of the banking sector in Bosnia and Herzegovina.
The main branches of Zagrebačka banka are: ZB Invest, the Zagrebačka banka investment fund company that holds 35% of market share. AZ Fund, an obligatory pension fund of Zagrebačka banka and Allianz, holds around 41% of the market share, and the deposits of the First Housing and Savings Bank holds around 30%of the housing savings on the market.
| HRK m i % |
Total assets |
Market share |
Core capital |
Capital adequacy |
Pre-tax profit |
Market share in profit |
| Zagrebačka banka |
104.299 |
25,6% |
13.669 |
20,94% |
1.628 |
34,5% |
| Banking sector |
407.407 |
100,0% |
48.948 |
19,15% |
4.723 |
100,0% |
(Source: CNB, preliminary unaudited data for commercial banks, 31.12.2011.)
With 130 subsidiaries in total, and more then 870 ATMs, Zagrebačka banka has the largest network of physical channels for customer business. Almost 490 thousand customers use online banking of Zagrebačka banka through direct channels and 167 thousand customers use mobile banking. More than once, the Bank has been nominated to have the most innovative and top-quality banking Internet service.
In all larger subsidiaries, customers can use the self-service banking area with many devices which make everyday banking services more easy to use and are always available.
Zagrebačka banka also issues the biggest number of payment cards and has the widest network of in-store POS devices for card payments.With over 4,500 employees, Zagrebačka banka is one of the major employers in Croatia and according to the independent surveys, it is also one of the most desirable ones.
Citizens associate the following qualities with Zagrebačka banka: safety, greatness, progress, but also tradition. What makes Zagrebačka banka competitive on the market today is the fact that it as an advisor and a partner in all customers' specific needs and situations. It is a bank that offers reliable, open and responsible solutions, a bank that trusts its customers.
The dimension of social responsibility in business surely contributes to the value of Zagrebačka banka – being the leading bank in Croatia does not only mean that it has the biggest market share, the largest number of customers and the most innovative quality products. Above all, it means that it has the awareness of its own responsibility and the impact on the community in which it operates, as well as of the needs of this community.
Awards 2012/2011
2012.
Emeafinance:
Best broker in Croatia in 2011
Best investment bank in Croatia in 2011
Best bank in Croatia in 2011
Global Finance
Best bank in Croatia in 2011
2011.
Euromoney
Best bank in cash management
Best bank in Croatia in 2010
Emeafinance
Best broker in Croatia in 2010
Best investment bank in Croatia in 2010
Best bank in Croatia in 2010
