# Zagrebačka banka (ZABA) / m-zaba

> Source: https://docs.barcoder.ai/docs/wallets/zagrebacka-banka
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Zagrebačka banka — official](https://www.zaba.hr/)

## 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** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **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** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **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** <sup>[2][2], [3][3]</sup>.

## 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 + buddybank](https://docs.barcoder.ai/docs/wallets/unicredit) (Italy #2 parent; BIT: UCG) + HypoVereinsbank (Germany) + UniCredit Bank Czech Republic + Slovakia + UniCredit Bank Romania + UniCredit Bank Serbia + UniCredit Bank Bosnia + [UniCredit Bulbank](https://docs.barcoder.ai/docs/wallets/unicredit-bulbank) (Bulgaria) + UniCredit Bank Hungary + UniCredit Bank Slovenia + 13-country UniCredit Group CEE presence.

**Major Croatian banking competitors**: [PBZ (Privredna banka Zagreb)](https://docs.barcoder.ai/docs/wallets/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 / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Croatia #3-4; Erste Group Croatian subsidiary; George Hrvatska Croatian app) + [OTP banka Hrvatska / OTPgo](https://docs.barcoder.ai/docs/wallets/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 (Raiffeisenbank Austria Croatia) / mojaRBA](https://docs.barcoder.ai/docs/wallets/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)](https://docs.barcoder.ai/docs/wallets/hpb) (Hrvatska poštanska banka; Croatian state-controlled bank) + [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (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)](https://docs.barcoder.ai/docs/wallets/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 / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Croatia #3-4 rival; Erste Group Croatian subsidiary; George Hrvatska Croatian app) | [OTP banka Hrvatska / OTPgo](https://docs.barcoder.ai/docs/wallets/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 (Raiffeisenbank Austria Croatia) / mojaRBA](https://docs.barcoder.ai/docs/wallets/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** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **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]: https://en.wikipedia.org/wiki/Zagreba%C4%8Dka_banka "Zagrebačka Banka — Wikipedia"
[2]: https://thebanks.eu/banks/9842 "Zagrebačka banka d.d. (Croatia) — Bank Profile"
[3]: https://www.zaba.hr/home/en/about-us/about-us/structure "The structure of the Bank and the Group — Zagrebačka banka"
[4]: https://www.unicreditgroup.eu/en/worldwide/our-worldwide-presence/europe/croatia.html "Croatia — UniCredit"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [Zagrebačka Banka — Wikipedia][1]
- [2] [Zagrebačka banka d.d. (Croatia) — Bank Profile][2]
- [3] [The structure of the Bank and the Group — Zagrebačka banka][3]
- [4] [Croatia — UniCredit][4]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

Biography extracted from [zagrebacka-banka.md](https://docs.barcoder.ai/source/wallets/zagrebacka-banka). See `matrix.md` for standards-support matrix if present.