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About the Bank

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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 more than 60.000 corporate customers and over 1.3 million private customers.

As a member of the UniCredit  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 26% of total assets of the Croatian banking sector and, as a co-owner of the UniCredit Bank Mostar, 18% 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 27% 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 (Prva stambena štedionica) holds around 32%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 102.655 25,43% 14.936 25,62% 1.478 56,9%
Banking sector 403.669 100,0% 50.866 21,46% 2.596 100,0%

(Source: Banking sector: CNB, preliminary unaudited data for commercial banks, 31.12.2014) 

With 128 subsidiaries in total, and more then 860 ATMs, Zagrebačka banka has the largest network of physical channels for customer business. Almost 530 thousand customers use online banking of Zagrebačka banka through direct channels and 245 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 4,200 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 2015 - 2011


2015
           Euromoney
Best Trade Finance Bank in Croatia
           Global Finance
Best Trade Finance Group in CEE

2014
            Emeafinance

Best bank in Croatia in 2013
Best investment bank in Croatia in 2013
Most innovative bank in the CEE & CIS in 2013

2013 
            Emeafinance
Best bank in Croatia in 2012
Best investment bank in Croatia in 2012 
            Euromoney
Best bank in cash management 

2012 
            Euromoney
Best bank in cash management 
Best bank in Croatia in 2011
            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