What Podravska banka does

Podravska banka d.d. is a publicly listed Croatian regional bank (Zagreb Stock Exchange ticker: PDBA) headquartered in Koprivnica, founded in 1872 as one of Croatia's oldest financial institutions. The bank operates a full-service retail, SME, and investment banking franchise through 21-30 branches across Croatia, supported by a digital channel stack comprising POBAklik internet banking, POBAgo mobile banking, mToken authentication, POBA eBroker for global securities trading, and a member position in the MBnet ATM consortium providing fee-free access to 1,000+ ATMs nationwide. Its technology architecture is a conventional multichannel core banking platform with digital self-service, EFTPOS merchant integration, and newly deployed SEPA Instant Payment plus Verification of Payee (VOP) services.

The bank generates revenue across four streams: net interest income from a 316M EUR loan portfolio (consumer, mortgage, lombard, SME, tourist) and 561M EUR deposit base; fee and commission income from account packages (POBA POP/ZEN/ZEN+/HIT/PRO/TOP for retail; EXECUTIVE/MANAGER/SELECT/IDEAL for SMEs), cards (Mastercard Standard/Gold, Visa debit), and credit facilities; brokerage and investment services via POBA eBroker, custody, margin lending, and investment fund distribution through Raiffeisen and Generali partnerships; and bancassurance commission from Generali insurance and Oryx roadside/home assistance bundled into retail packages. Pricing is structured around monthly subscription account packages (4.95-13.95 EUR), fixed or EURIBOR-linked loan rates (3.83%-6.90%), and transaction-based installment fees (POBAshop, POBAcash, eCash, POBAflex).

The customer base spans three primary segments: retail consumers (students, employed, retirees, families), SMEs (craftsmen, traders, farmers, tourism operators), and financial market participants. As of 2024, the bank reported total assets of 723M EUR, operating income of 27.9M EUR, and a capital adequacy ratio of 20.56%, well above regulatory minimums. In May 2026, AikGroup (CY) Limited triggered a mandatory takeover bid obligation, indicating a potential change-of-control event that could materially alter strategic direction.

Name

Podravska banka

Legal name

Podravska banka d.d.

Website

https://poba.hr

Company type

Public

Founded year

1872

Operating status

Operating

Headcount range

251–500 employees

Short description

Podravska banka is a publicly listed Croatian regional bank (founded 1872) offering retail, SME, and investment banking services through 21-30 branches and digital channels to consumers, small businesses, and investors across Croatia.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Credit Card Issuing (522210)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Merchant Cash Advance & Payment-linked Lending (CRAFALAK)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Small business banking
• Investment services

Headquarters

HQ city

Koprivnica

HQ country

Croatia

HQ region

Europe

Offices21 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue stream from the spread between interest earned on loans (consumer loans, mortgages, business loans, lombard loans, credit cards) and interest paid on deposits (sight deposits, term deposits, cumulative savings, children's savings). Interest rates include both fixed and variable (EURIBOR-linked) products.
2. Fee and Commission Income: Fees from account management/maintenance, card issuance and usage (Mastercard, Visa), overdraft facilities, wire transfers, ATM withdrawals, brokerage services, custody services, and insurance product distribution (Generali).
3. Brokerage and Investment Services: Revenue from brokerage commissions (via POBA eBroker), investment fund distribution (Raiffeisen, Generali), margin lending, and custody services for financial instruments.
4. Insurance Distribution (Bancassurance): Commission revenue from distributing Generali insurance products (life, property, accident, travel) and Oryx roadside assistance products through the branch network and bundled into account packages.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels4 records

Core offering

Podravska banka is a full-service Croatian commercial bank that accepts deposits (sight, term, cumulative, children's savings), extends consumer and business credit (cash loans, mortgages, Lombard loans, overdrafts, working capital, factoring, export financing), issues payment cards (Mastercard and Visa credit and debit), provides digital banking (POBAklik internet, POBAgo mobile, instant payments, 3D Secure), distributes investment and insurance products (POBA eBroker, Raiffeisen pension fund, Generali insurance), and supports SMEs and individual customers through approximately 21 physical branches plus digital channels across Croatia.

Product overview

Podravska banka operates as a traditional Croatian bank (established 1872) offering a comprehensive suite of banking products organized as a multi-product platform. For retail customers, the core offerings include six account packages (POBA POP for students, POBA ZEN/ZEN+ for retirees, POBA HIT/PRO/TOP for various needs), savings products (sight savings, term deposits, cumulative savings, children's savings), and diverse credit products (cash loans, housing loans, Lombard loans, tourist credits). The card portfolio features Mastercard Standard/Gold credit cards, Mastercard and Visa debit cards, and specialty cards like the Croatian Tourist Card. Digital services include POBAklik internet banking, POBAgo mobile banking, POBAshop/POBAcash/eCash/POBAflex installment services, 3D Secure authentication, Instant Payment (SEPA-compliant), and Google Pay integration. For business clients, the bank offers four account packages (EXECUTIVE, MANAGER, SELECT, IDEAL), various financing options, factoring, investment services via POBA eBroker, margin loans, custody, and investment funds through partnerships with Raiffeisen and Generali. Financial markets services include treasury, broker services, and margin credit.

Differentiator

Problem solved

Functional benefit

Brands

• POBA POP: Account package for students
• POBA ZEN
• POBA ZEN+
• POBA HIT
• POBA PRO
• POBA TOP
• POBA eBroker
• POBAklik
• POBAgo
• POBAflex
• POBAshop
• POBAcash
• eCash
• Aktiviraj sitniš
• Dječja štednja Mravac

Products and services

• POBA POP (Student Account Package) Student-targeted current-account bundle with debit card, free digital banking (POBAklik and POBAgo), fee-free MBNet ATM cash withdrawals, and round-up savings service. Designed for full-time students.
• POBA ZEN (Retiree Account Package) Retiree account bundle at 4.95 EUR/month including Mastercard Standard credit card with no enrollment or annual fee, free cash withdrawals at MBNet ATMs, 50% lower EUR non-cash transfer fees, Medins Basic health assistance, and accidental death insurance coverage.
• POBA ZEN+ (Enhanced Retiree Account Package) Enhanced retirement package at 5.50 EUR/month that layers Mirovina+ (pension credited on the 1st of each month) and Medins Basic health assistance on top of POBA ZEN benefits.
• POBA HIT (Quick Access Account Package) Mid-tier package at 7.95 EUR/month bundling a Mastercard Standard credit card with preferential installment rates (up to 33% better), 24/7 road assistance, the Putni Anđeo travel app, and accident insurance with a 1,327.23 EUR death benefit.
• POBA PRO (Professional Account Package) Professional package at 10.00 EUR/month with Autopass (breakdown, repair, loaner car), life insurance, 15% discount on brokerage fees, an overdraft facility, and 20-30% cheaper Mastercard installment fees.
• POBA TOP (Premium Account Package) Premium package at 13.95 EUR/month bundling a Mastercard Gold credit card with no annual fee, home assistance up to 200 EUR/year (plumber, electrician, locksmith, glazier), second-car assistance, and travel health insurance with medical coverage up to 2,000 EUR.
• Aktiviraj sitniš (Round-Up Savings) Automatic round-up service linked to Mastercard or Visa Electron debit cards that rounds each purchase up to the nearest 1 or 2 EUR and deposits the difference into a savings account; activation fee 1.33 EUR.
• Štednja po viđenju (Sight Savings) Demand savings deposit in EUR or USD with immediate access via savings card at 0.01% annual interest.
• Oročena štednja (Term Deposits) Fixed-rate multi-savings term deposits in EUR (2.00% for 2 months, 1.80% for 3 months, 1.60% for 6 months, 1.50% for 12 months) and standard term deposits at rates up to 1.60%; 6.64 EUR early termination fee.
• Kumulativna štednja (Cumulative Savings) Cumulative savings product in EUR or USD with variable interest, allowing multiple deposits during the term; minimum first deposit 15 EUR/USD.
• Dječja štednja Mravac (Children's Savings) Cumulative-style children's savings product for persons under 14, available in EUR and foreign currencies, with a 15 EUR/USD minimum first deposit.
• Dobrovoljna mirovinska štednja (Raiffeisen Voluntary Pension Fund / Pillar III) Voluntary pension savings product (Pillar III) distributed via the bank's partnership with Raiffeisen dobrovoljni mirovinski fond, offering a 15% state contribution and no age restrictions for membership.
• Gotovinski kredit (Cash Loan) Consumer cash loan from 1,000 to 40,000 EUR at 6.90% fixed or 6.33% variable (6M EURIBOR + 3.80% margin), repayment 13-120 months, no processing fee; for amounts above 40,000 EUR, variable rates of 3.83% (residential collateral) or 5.80% (non-residential) over 13-240 months apply.
• Gotovinski kredit za umirovljenike (Retiree Cash Loan) Special cash loan for retirees from 500 to 5,000 EUR at 6.50% fixed annual rate, repayment up to 60 months, 30 EUR processing fee, with no collateral or guarantors required.
• Stambeni kredit (Housing Loan)

Quantifiable outcome

• Capital adequacy ratio of 20.56% — well above regulatory minimums — indicating strong financial resilience
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature11 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Raiffeisen dobrovoljni mirovinski fond (Raiffeisen Voluntary Pension Fund)coreChannel Partner/ Reseller/ DistributorPodravska banka distributes Raiffeisen's voluntary pension fund (III pillar) through its branch network, enabling customers to sign up for additional pension savings with 15% state contribution. The partnership targets individuals seeking supplemental retirement income.
• Generali osiguranje d.d. (Generali Insurance)coreChannel Partner/ Reseller/ DistributorPodravska banka distributes Generali insurance products (life, property, accident, travel) and bundles them into retail account packages (POBA ZEN, ZEN+, HIT, PRO, TOP). Insurance products include home, travel, accident, and life coverage, with discounts for bundled package holders.
• ORYX assistance (roadside and home assistance)coreChannel Partner/ Reseller/ DistributorORYX provides 24/7 roadside and home assistance services bundled into POBA PRO (Autopass) and POBA HIT (Pomoć na cesti) retail packages. Services include vehicle repair, towing, loaner car, plumber, electrician, locksmith, and glazier services.
• MBnet (ATM network consortium)coreChannel Partner/ Reseller/ DistributorMBnet is a consortium of 13+ Croatian banks (Agram banka, Banka Kovanica, BKS Bank AG, Croatia banka, Erste&Steiermärkische Bank, Imex banka, Istarska kreditna banka Umag, Karlovačka banka, KENTBANK, Podravska banka, Samoborska banka, Slatinska banka) operating a shared ATM network. Podravska banka clients can withdraw cash fee-free at 1,000+ ATMs across the network.
• POBA eBroker / Brokerage Platform PartnerscoreTechnology or IntegrationPodravska banka operates its POBA eBroker platform for stock trading on global markets. The platform enables trading on regional and international exchanges with competitive brokerage commissions. The bank also offers global custody services for financial instruments.
• HAMAG-BICRO (Croatian Agency for SMEs and Investments)minorChannel Partner/ Reseller/ DistributorHAMAG-BICRO provides loan guarantees for SME financing. Podravska banka participates in HAMAG-BICRO guarantee programs for business loans, reducing collateral requirements for qualifying SMEs.
• MastercardcoreTechnology or IntegrationPodravska banka issues Mastercard debit (Mastercard Debit) and credit cards (Mastercard Standard, Mastercard Gold). The bank participates in Mastercard's installment programs (POBAshop, Mastercard Buy Now Pay Later), contactless payment infrastructure, and 3D Secure authentication (Mastercard ID Check).
• VisacoreTechnology or IntegrationPodravska banka issues Visa debit cards (Visa Electron) and participates in the Visa network for card payments and withdrawals. Visa Secure provides 3D Secure protection for online transactions.
• SPAR Croatia / INTERSPARminorChannel Partner/ Reseller/ DistributorPartnership allowing Mastercard cardholders of Podravska banka to pay for purchases in installments at SPAR and INTERSPAR stores in Croatia.
• PEVEXminorChannel Partner/ Reseller/ DistributorPartnership enabling Podravska banka Mastercard cardholders to pay for purchases in installments at PEVEX hardware/building material stores in Croatia.
• KTC (Kulinšćica)minorChannel Partner/ Reseller/ DistributorPartnership enabling Podravska banka Mastercard cardholders to pay for purchases in installments at KTC stores in Croatia.
• Croatian Banking Association (HUB) / MUP / CARNET National CERTminorStrategic or Co-development PartnerPodravska banka participates in the 'Budimo realni' (Let's Be Real) campaign organized by the Croatian Banking Association, in collaboration with the Ministry of the Interior (MUP) and CARNET's National CERT, to raise awareness about online fraud targeting bank customers.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Karlovačka banka: Small Croatian commercial bank with retail and SME banking products; fellow MBnet ATM consortium member. Similar size and product scope to POBA, often used as nearest comparable for valuation work.
• Agram banka: Smaller Croatian commercial bank with similar scale to POBA; member of the MBnet ATM consortium alongside POBA. Directly comparable mid-tier Croatian bank offering retail accounts, lending, and SME products.
• Zagrebačka banka: Croatia's largest commercial bank (UniCredit Group subsidiary) offering near-identical retail, SME, and investment banking products to retail and corporate clients in Croatia. Direct competitor for POBA's account packages, lending, and card products.
• Privredna banka Zagreb (PBZ): Major Croatian bank within the Intesa Sanpaolo group, offering full commercial banking products across retail, SME, and corporate segments. Competes directly for deposit, lending, and investment customers in the same geographies POBA serves.
• Erste & Steiermärkische Banka: Croatian subsidiary of Austrian Erste Group, providing full-service retail and commercial banking products (accounts, consumer/mortgage lending, SME financing). Competes head-to-head for POBA's retail and SME customers across Croatian cities.
• OTP banka Hrvatska: Croatian subsidiary of Hungary's OTP Group providing retail, SME, and corporate banking including accounts, consumer/mortgage credit, and digital channels. Direct rival for everyday banking products in Croatia.
• Hrvatska poštanska banka (HPB): Croatian state-linked commercial bank offering retail accounts, consumer/mortgage lending, SME financing, and bancassurance. Overlapping product set and customer base with POBA in Croatian retail banking.
• Addiko Bank: SEE-focused consumer and SME bank operating in Croatia, focused on consumer lending, deposits, cards, and SME banking with a digital-first orientation. Comparable size and product positioning to POBA.
• Croatia banka: Small Croatian commercial bank offering retail accounts, consumer lending, and SME products; MBnet ATM consortium peer. Comparable mid-tier competitor with regional branch presence similar to POBA's setup.
• Raiffeisenbank Austria d.d. Croatia: Croatian subsidiary of Raiffeisen Bank International, offering retail accounts, lending, cards, and investment services — including the voluntary pension fund that POBA distributes. Closely comparable full-product commercial bank in the same market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Podravska banka