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.
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. [1] In Croatia's case, the NCA is the Croatian Financial Services Supervisory Agency, known as HANSA. [2]
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. [3] A study published in 2024 ranked them as follows: [4]
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: [3]
All 13 other Croatian LSIs were local banks:
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, [5] 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). [6] : 4
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. [5]
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.