Wallets/zagrebacka-banka
Zagrebačka banka (ZABA) / m-zaba
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Overview
Zagrebačka banka (ZABA) is Croatia's largest bank by assets with 25.16% Croatian market share 2024 + UniCredit's Croatian subsidiary post-Mar 2002 UniCredit Group acquisition [1, 2, hr-cro]. 2024 baseline: Zagrebačka banka Croatia's #1 bank by assets with 25.16% Croatian market share; m-zaba mobile banking application (iOS + Android; Zagrebačka banka distinctive Croatian mobile banking app) + m-zaba poslovno bankarstvo (Zagrebačka banka business banking app); e-zaba internet banking + Zagrebačka banka Croatian branch network.
Distinctive Zagrebačka banka positioning [1, 2, 3, 4]:
- Croatia's largest bank by assets with 25.16% Croatian market share 2024
- UniCredit's Croatian subsidiary (UniCredit Group = Italy #2 by assets; HypoVereinsbank Germany + UniCredit CEE 13-country footprint)
- Mar 2002 UniCredit Group acquires Zagrebačka banka — distinctive Italian-Croatian banking acquisition
- m-zaba mobile banking application (iOS + Android; Zagrebačka banka distinctive Croatian mobile banking app)
- m-zaba poslovno bankarstvo (Zagrebačka banka business banking app; ASEE-developed)
- 1914 Zagrebačka banka founding in Zagreb (as Gradska štedionica) → distinctive Croatian banking heritage
- 2001 Allianz-Zagrebačka banka strategic partnership (Allianz-Zagrebačka banka Croatian insurance partnership)
History
1914 — Gradska štedionica founded in Zagreb, Croatia (Zagrebačka banka's ultimate predecessor; Croatian municipal savings bank) — distinctive Croatian banking heritage.
1977 — Gradska štedionica renamed Zagrebačka banka post-Yugoslav banking commercialization.
1995 — Zagrebačka banka IPO on Zagreb Stock Exchange (ZSE).
2001 — Allianz-Zagrebačka banka strategic partnership (Allianz-Zagrebačka banka Croatian insurance partnership).
Mar 2002 — UniCredit Group (Italy) acquires Zagrebačka banka → distinctive Italian-Croatian banking acquisition.
2011 — m-zaba mobile banking app launches.
2024 — Zagrebačka banka Croatia's #1 bank by assets with 25.16% Croatian market share [2, 3].
Ownership & operator
Operating entity: Zagrebačka banka d.d. (UniCredit subsidiary).
Parent: UniCredit S.p.A. (BIT: UCG) — Italy #2 by assets; HypoVereinsbank Germany + UniCredit CEE 13-country footprint.
Regulators: HNB (Hrvatska narodna banka) + ECB (Croatian banking supervision under EU SSM scope).
Technical integration
m-zaba mobile banking application (iOS + Android; Zagrebačka banka distinctive Croatian mobile banking app) + m-zaba poslovno bankarstvo (Zagrebačka banka business banking app; ASEE-developed) + e-zaba internet banking + zaba.hr online + Zagrebačka banka cards (Visa + Mastercard) + Zagrebačka banka Croatian branch network; SEPA Instant + Aktivni računi Croatian instant payment service; Zagrebačka banka private banking + Zagrebačka banka corporate banking + Zagrebačka banka investment banking.
Users & growth
2024: Zagrebačka banka Croatia's #1 bank by assets with 25.16% Croatian market share.
Use cases
Croatian retail + private + corporate + SME + investment + insurance banking via m-zaba + m-zaba poslovno bankarstvo + e-zaba internet banking + zaba.hr online + cards + branches; SEPA Instant + Aktivni računi Croatian instant payment service; Allianz-Zagrebačka banka Croatian insurance partnership.
Implementations & partners
Operator: Zagrebačka banka d.d. (UniCredit subsidiary); UniCredit S.p.A. (BIT: UCG) parent.
Zagrebačka banka subsidiaries: ZB Invest (Zagrebačka banka Croatian asset management subsidiary) + Pominvest (Zagrebačka banka Croatian leasing subsidiary).
Strategic partnerships: Allianz-Zagrebačka banka Croatian insurance partnership (since 2001).
UniCredit Group sister entities: [[unicredit]] (Italy #2 parent; BIT: UCG) + HypoVereinsbank (Germany) + UniCredit Bank Czech Republic + Slovakia + UniCredit Bank Romania + UniCredit Bank Serbia + UniCredit Bank Bosnia + [[unicredit-bulbank]] (Bulgaria) + UniCredit Bank Hungary + UniCredit Bank Slovenia + 13-country UniCredit Group CEE presence.
Major Croatian banking competitors: [[pbz]] (Privredna banka Zagreb; Croatia #2 by assets; Intesa Sanpaolo Croatian subsidiary; ~22%+ Croatian market share; 1.5M Croatian clients; 700K+ PBZ digital app users May 2025) + [[erste-bank-hrvatska]] (Croatia #3-4; Erste Group Croatian subsidiary; George Hrvatska Croatian app) + [[otp-banka-hrvatska]] (Croatia #4-5; OTP Group Croatian subsidiary; post-Dec 2018 Splitska banka acquisition; OTPgo Croatian distinctive integrated digital banking app + headquarters moved to Split) + [[rba-croatia]] (Croatia #6 by assets with 8.14% Croatian market share 2024; Raiffeisen Bank International Croatian subsidiary; mojaRBA Croatian banking app) + [[hpb]] (Hrvatska poštanska banka; Croatian state-controlled bank) + [[addiko-bank]] (Slovenian Hypo Group Alpe Adria Croatian subsidiary).
Regulators: HNB + ECB.
Fun facts
- Croatia's largest bank by assets with 25.16% Croatian market share 2024.
- UniCredit's Croatian subsidiary (UniCredit Group = Italy #2 by assets; HypoVereinsbank Germany + UniCredit CEE 13-country footprint).
- Mar 2002 UniCredit Group acquires Zagrebačka banka — distinctive Italian-Croatian banking acquisition.
- m-zaba mobile banking application (iOS + Android; Zagrebačka banka distinctive Croatian mobile banking app).
- m-zaba poslovno bankarstvo (Zagrebačka banka business banking app; ASEE-developed).
- 1914 Gradska štedionica founded in Zagreb, Croatia (Zagrebačka banka's ultimate predecessor; Croatian municipal savings bank) → distinctive Croatian banking heritage.
- 2001 Allianz-Zagrebačka banka strategic partnership (Allianz-Zagrebačka banka Croatian insurance partnership).
Comparison
| Feature | Zagrebačka banka (ZABA) | [[pbz]] (Privredna banka Zagreb rival; Croatia #2 by assets; Intesa Sanpaolo Croatian subsidiary; ~22%+ Croatian market share; 1.5M Croatian clients; 700K+ PBZ digital app users May 2025) | [[erste-bank-hrvatska]] (Croatia #3-4 rival; Erste Group Croatian subsidiary; George Hrvatska Croatian app) | [[otp-banka-hrvatska]] (Croatia #4-5 rival; OTP Group Croatian subsidiary; post-Dec 2018 Splitska banka acquisition; OTPgo Croatian distinctive integrated digital banking app) | [[rba-croatia]] (Croatia #6 by assets with 8.14% Croatian market share 2024 rival; Raiffeisen Bank International Croatian subsidiary; mojaRBA Croatian banking app) |
|---|---|---|---|---|---|
| Operator | Zagrebačka banka d.d. (UniCredit subsidiary; UniCredit S.p.A. parent BIT: UCG) | Privredna banka Zagreb d.d. (Intesa Sanpaolo subsidiary; Intesa Sanpaolo S.p.A. parent BIT: ISP) | Erste & Steiermärkische banka d.d. (Erste Group subsidiary) | OTP banka d.d. (OTP Group subsidiary; OTP Bank Nyrt. parent BSE: OTP) | Raiffeisenbank Austria d.d. (Raiffeisen Bank International AG subsidiary) |
| Type | Croatia #1 by assets with 25.16% Croatian market share 2024 + UniCredit's Croatian subsidiary + m-zaba + m-zaba poslovno bankarstvo + e-zaba internet banking + Allianz-Zagrebačka banka insurance partnership | Croatia #2 by assets + ~22%+ Croatian market share + Intesa Sanpaolo Croatian subsidiary + 1.5M Croatian clients + 700K+ PBZ digital app users May 2025 + €18.2B deposits + €397M 2023 net income | Croatia #3-4 + Erste Group Croatian subsidiary + George Hrvatska Croatian app | Croatia #4-5 + OTP Group Croatian subsidiary + post-Dec 2018 Splitska banka acquisition + OTPgo Croatian distinctive integrated digital banking app + headquarters moved to Split | Croatia #6 by assets with 8.14% Croatian market share 2024 + Raiffeisen Bank International Croatian subsidiary + mojaRBA Croatian banking app + RaiPay Croatian payment app |
| Country | HR | HR | HR | HR | HR |
| Distinctive | 1914 Gradska štedionica founded in Zagreb (Croatian municipal savings bank heritage); 1977 renamed Zagrebačka banka; 1995 ZSE IPO; 2001 Allianz-Zagrebačka banka strategic partnership; Mar 2002 UniCredit Group acquisition; 2011 m-zaba mobile app launch; 2024 Croatia #1 bank with 25.16% market share | 1962 Privredna banka Zagreb founding; 1999 Banca Commerciale Italiana majority acquisition; Jan 2007 Banca Intesa + Sanpaolo IMI merger → Intesa Sanpaolo PBZ member; Jun 2015 Intesa Sanpaolo 97.47% PBZ EBRD acquisition | Erste Group Croatian subsidiary | Dec 2018 OTP banka Hrvatska Splitska banka acquisition completion + OTP banka Hrvatska headquarters moved to Split | Raiffeisen Bank International Croatian subsidiary |
Status
Active, Croatia's largest bank by assets with 25.16% Croatian market share 2024 + UniCredit's Croatian subsidiary [1, 2, 3, 4]:
- Zagrebačka banka d.d. (UniCredit subsidiary; UniCredit S.p.A. parent BIT: UCG) since 1914 Gradska štedionica founded in Zagreb + 1977 renamed Zagrebačka banka + 1995 ZSE IPO + Mar 2002 UniCredit Group acquisition.
- 2024 Croatia #1 bank by assets with 25.16% Croatian market share.
- m-zaba mobile banking application + m-zaba poslovno bankarstvo + e-zaba internet banking + Allianz-Zagrebačka banka Croatian insurance partnership.
- HNB + ECB regulated.
Sources
- 1 Zagrebačka Banka — Wikipedia
- 2 Zagrebačka banka d.d. (Croatia) — Bank Profile
- 3 The structure of the Bank and the Group — Zagrebačka banka
- 4 Croatia — UniCredit
- hr-cro In-corpus:
reports/countries/HR-croatia.md
Source
Biography extracted from zagrebacka-banka.md. See matrix.md for standards-support matrix if present.