ZaBa

What ZaBa does

Zagrebačka banka (ZaBa) is a universal commercial bank and the leading banking institution in Croatia, operating as a wholly-owned subsidiary of UniCredit Group. Headquartered at Trg bana Josipa Jelačića 10 in Zagreb, the bank traces its origins to Gradska štedionica (founded 1914 per firmographic data, with the 1925 predecessor referenced in company history) and serves retail, small entrepreneur, medium/large corporate, private banking, and interbank client segments. Its product portfolio spans transaction accounts in euros, cash loans up to EUR 50,000, residential mortgages, term deposits, investment funds (via UniCredit Invest, formerly ZB Invest), credit cards, brokerage via ZB Trader Global, voluntary pension funds (Allianz ZB), and a broad insurance catalog distributed through bancassurance partnerships with Allianz Hrvatska and Generali osiguranje.

The bank's technology platform is centered on omni-channel delivery: m-zaba mobile banking (iOS, Android, Huawei AppGallery) for account management, payments, and digital contracting; e-zaba internet banking for desktop access; IziPay for NFC mobile payments; and SEPA direct debit plus Trajni nalog standing orders for automated payments. Disclosed AI/ML applications are limited to operational use cases — automated fraud detection via transaction and behavioral anomaly profiling, and statistical credit risk scoring for monthly client risk ratings. The bank operates under Croatian National Bank supervision and EU banking/PSD2 frameworks, with no public developer API exposed.

Zaba's revenue model combines net interest income from lending (consumer loans, mortgages, business financing), transaction and account fees, wealth management and investment product commissions, bancassurance distribution revenues from Allianz and Generali, and leasing income through UniCredit Leasing Croatia. Pricing is subscription-based across tiered packages — Paket za mlade (youth), Small Business, Prime Banking (premium), and Corporate — plus transactional fees. The go-to-market combines branch-led relationship banking with self-serve digital channels and is supported by active social media presence (LinkedIn, Instagram, TikTok, YouTube). The bank's group includes UniCredit Bank d.d. (Bosnia and Herzegovina), UniCredit Invest, ZANE and ZANE BH (real estate), UniCredit Leasing Croatia, and associated company Allianz ZB (pension funds).

Name

ZaBa

Legal name

Zagrebačka banka d.d.

Website

https://zaba.hr

Company type

Public

Founded year

1925

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Zagrebačka banka (ZaBa) is Croatia's leading universal commercial bank and a wholly-owned UniCredit Group subsidiary, offering retail, SME, corporate, and private banking plus insurance, leasing, and investment products through branches, m-zaba, and e-zaba digital channels.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Corporate banking
• Investment banking
• Asset management
• Digital banking platforms

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking lending operations including consumer loans, mortgages, and business financing generating interest income
2. Transaction & Account Fees: Fees from transaction processing, account maintenance, and payment services
3. Wealth Management & Investment Products: Commissions and fees from investment funds, broker services, and asset management products
4. Insurance Distribution: Bancassurance partnership revenues through distribution of life, property, and credit protection insurance products from Allianz and Generali
5. Leasing Services: Equipment and vehicle leasing through UniCredit Leasing Croatia

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Zagrebačka banka (ZaBa) is a universal commercial bank offering retail, SME, corporate, investment, and private banking services. Its core offerings include transaction accounts, cash loans up to 50,000 EUR, residential mortgages, term deposits, investment funds, credit cards, brokerage trading via ZB Trader Global, bancassurance distribution with Allianz and Generali, and the Prime premium banking service, all delivered through a nationwide branch network, the m-zaba mobile app, and the e-zaba internet banking platform.

Product overview

Zagrebačka banka (Zaba) is a universal banking group offering a comprehensive retail and corporate banking platform. The core product ecosystem consists of digital channels (m-zaba mobile banking and e-zaba internet banking) supporting primary banking services including transaction accounts, cash loans (up to 50,000 EUR), residential mortgages, term deposits, investment funds, and credit cards. The portfolio extends into wealth management through Prime Banking premium service and investment platforms (ZB Trader Global, investment funds via UniCredit Invest). Insurance products are distributed through partnerships with Allianz (life insurance, children's insurance, investment-linked policies) and Generali (credit life insurance). Payment innovations include IziPay mobile payments, SEPA direct debit, and permanent orders. Youth segments are served through dedicated packages (Paket za mlade, m-student), while business clients access services including DealSync for European investment access and corporate banking solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Prime: Premium personalized banking service offering individual approach, premium service, and digital banking
• m-zaba
• e-zaba
• Allianz insurance products
• Generali insurance products

Products and services

• m-zaba Mobile Banking Mobile banking application enabling customers to manage accounts, view balances and transactions, pay bills, apply for credit, manage cards, and contract products via smartphone.
• e-zaba Internet Banking Web-based online banking platform enabling account management, payments, transfers, and access to financial services from any internet-connected computer.
• Transaction Accounts (Transakcijski računi) Euro-denominated transaction accounts and packaged accounts for individuals and businesses, bundling banking services.
• Cash Loans (Gotovinski krediti) Personal unsecured loans for individuals up to 50,000 EUR with online credit calculator for installment computation.
• Residential Mortgages (Stambeni krediti) Housing loans for purchasing apartments, building houses, or renovating properties, distributed to individuals and families.
• Term Deposits (Oročenja) Fixed-term deposit products allowing customers to earn interest on savings over a defined tenor.
• Investment Funds Pooled investment fund products managed by UniCredit Invest (formerly ZB Invest), offering a range of portfolio strategies to retail and private banking clients.
• Credit Cards Credit card products including digital card contracting and one-time virtual cards for secure online purchases.
• Prime Banking Premium personalized banking service combining individualized relationship banking with dedicated service quality and full digital banking capabilities, targeted at high-value retail and private banking clients.
• ZB Trader Global Online trading platform enabling clients to trade global financial instruments and execute cross-border investment orders.
• DealSync Solution enabling small and medium enterprises to access European investments, investors, and strategic partners, supporting cross-border growth and deal-making.
• Bitcoin ETF Certificate Bitcoin ETF certificate bridging cryptocurrency markets with regulated investment options, enabling qualified investors to gain crypto-market exposure through a bank-distributed structured product.
• Voluntary Pension Funds Voluntary pension fund products for long-term retirement savings distributed to individuals.
• MultiPlusCard Loyalty Program Customer rewards program offering points and benefits to card-holding clients on transactions with partner retailers.
• Allianz Fokus Plus Life insurance for death and survival with 100% of paid premium returned on policy expiration; investment risk is borne by the policyholder.
• Pet za 5 — Life Insurance with Five Coverages Life insurance providing financial support to loved ones across five coverage types in unexpected events.
• Allianz Prospekt višekratni Recurring-premium life insurance linked to investment in fund portfolios with death coverage; offers Balance and Classic strategies.
• Allianz Prospekt jednokratni Single-premium life insurance linked to equity fund investment, combining insurance protection and investment into a single product.
• Tigar Teo Children's supplementary insurance providing financial security in the event of minor or major accidents and illnesses, available alongside Allianz Prospekt višekratni.
• Generali Life Insurance for Housing Loan Repayment Life insurance ensuring mortgage payments in case of job loss, disability, or death; Package A covers death and permanent disability, Package B adds temporary disability and unemployment.
• Allianz NutriFit Supplementary insurance with nutrigenetic DNA analysis providing personalized recommendations for health, nutrition, and wellness, with annual premium of 66 EUR.
• Life Insurance for Credit Repayment Life insurance ensuring credit obligation payments in unpredictable life situations, offered in partnership with Generali osiguranje for cash loans and auto loans.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• UniCredit Bank d.d. (Bosna i Hercegovina)coreTechnology or IntegrationWholly-owned subsidiary of Zagrebačka banka in Bosnia and Herzegovina providing banking services in that market
• UniCredit Invest d.o.o.coreTechnology or IntegrationInvestment fund management company, rebranded from ZB Invest to UniCredit Invest in April 2026
• UniCredit Leasing Croatia d.o.o.coreTechnology or IntegrationLeasing services provider for equipment and vehicle financing
• Allianz ZB d.o.o.coreStrategic or Co-development PartnerPension fund management company managing mandatory and voluntary pension funds, associated company consolidated under equity method
• Allianz Hrvatska d.d.coreStrategic or Co-development PartnerInsurance partner offering life, health, property, and travel insurance products distributed through Zaba branches
• Generali osiguranje d.d.coreStrategic or Co-development PartnerInsurance partner offering life insurance for loan repayment protection and other insurance products distributed through Zaba
• MultiPlusCard d.o.o.minorGTM or Marketing PartnerLoyalty program partner offering reward points and discounts to Zaba clients
• UNICEF HrvatskaminorGTM or Marketing PartnerSocial responsibility partnership supporting children's welfare programs
• UniCredit GroupcoreTechnology or IntegrationParent company of Zagrebačka banka providing global banking expertise, standards, and product frameworks
• GA CROATIA d.o.o.minorGTM or Marketing PartnerPartner offering automotive-related services and products
• SANCTA DOMENICA d.o.o.minorGTM or Marketing PartnerRetail partner in loyalty program offering travel and lifestyle products
• Harvey Norman Croatia d.o.o.minorGTM or Marketing PartnerRetail partner offering furniture and home goods with potential financing promotions
• KonzumminorGTM or Marketing PartnerMajor Croatian retail chain partner in loyalty and promotional programs

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Direct peers

• Privredna banka Zagreb (PBZ): PBZ is the largest direct competitor of Zaba in the Croatian retail, SME, and corporate banking market, part of the Intesa Sanpaolo Group. Directly comparable universal banking franchise operating in the same geography with overlapping product suite.
• Erste & Steiermärkische Bank (Erste Bank Croatia): Erste Bank Croatia is one of the top three universal banks in Croatia and a direct competitor across retail, SME, and corporate segments. Part of the Austrian Erste Group, comparable universal banking model.
• OTP banka Hrvatska: OTP banka Hrvatska is a major Croatian universal bank competing directly with Zaba across retail and corporate banking. Part of Hungarian OTP Group, comparable in scale and product breadth.
• Hrvatska Poštanska Banka (HPB): HPB is a state-linked Croatian universal bank offering retail, SME, and corporate banking services in direct competition with Zaba. Comparable product mix and geographic footprint within Croatia.
• Addiko Bank (Croatia): Addiko Bank Croatia focuses on consumer lending and SME banking, competing directly with Zaba in cash loans, mortgages, and SME financing across the Croatian market.
• Raiffeisenbank Austria (Croatia): Raiffeisenbank Austria Zagreb operates as a universal bank in Croatia, offering comparable retail, SME, and corporate products to Zaba's segments. Part of Raiffeisen Bank International group.

Regional players

• UniCredit Bank d.d. Mostar (Bosnia): Wholly-owned subsidiary of Zaba operating in Bosnia and Herzegovina, providing comparable retail and corporate banking. Demonstrates the Zaba group's regional banking template in a neighboring market.

Others

• Allianz Hrvatska: Allianz Hrvatska is the primary bancassurance partner of Zaba and a leading Croatian insurer. Comparable as a distribution and product partner rather than direct competitor; also part of the wider Allianz ecosystem through Allianz ZB pension funds.

Broad incumbents

• Intesa Sanpaolo: Intesa Sanpaolo is the parent group of PBZ and one of Europe's largest banking groups. Relevant as a broad incumbent benchmark for UniCredit Group, comparing pan-European banking strategies and CEE franchise quality.
• UniCredit Group: UniCredit Group is Zaba's parent company and one of Europe's largest banking groups. Relevant as the strategic, capital, and operational backbone of Zaba — sets the strategic context and product platforms Zaba operates within.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCPO1SAxHj8_K5vLk_zyJSHw
• LinkedInlinkedin.com/company/zagrebacka-banka
• Instagraminstagram.com/zagrebacka.banka
• TikToktiktok.com/@zagrebacka.banka
• Xx.com/zabaINFO

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ZaBa