Croatia · Credit institution
Erste Steiermaerkische Bank D.D.
Legal name in the LEI recordERSTE&STEIERMÄRKISCHE BANKA dioničko društvo
Erste&Steiermärkische Bank d.d. is a Croatian joint-stock bank with its registered office in Rijeka. It belongs to the Austrian Erste Group. Its shareholders are Erste Group Bank AG and Steiermärkische Bank und Sparkassen AG. The bank provides retail, SME, corporate, private banking and financial markets services in Croatia. It took its current form on 1 August 2003, when Riječka banka merged with the Zagreb-based Erste&Steiermärkische Bank. That bank had been formed in 2000 from Bjelovarska, Trgovačka and Čakovečka banka. In January 2026 it completed the sale of its merchant-acquiring subsidiary Erste Card Club to Global Payments.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Erste&Steiermärkische Bank d.d.
- Entity type
- Credit institution
- Supervised group (ECB)
- Erste Group Bank AG →
- Why significant
- Size (Total assets EUR 300-500 bn)
- Remarks
- #2: Zagrebačka banka d.d. (PRNXTNXHBI0TSY1V8P17), Privredna banka Zagreb d.d. (549300ZHFZ4CSK7VS460) and Erste & Steiermärkische Bank d.d. (549300A2F46GR0UOM390) are among the three largest credit institutions in Croatia. These institutions are subsidiaries of UniCredit S.p.A., Intesa Sanpaolo S.p.A. and Erste Group Bank AG respectively and are presented under those groups.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Erste&Steiermärkische Bank d.d.
- RIAD code
- HR23057039320
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Croatian Financial Services Supervisory Agency (HANFA) | 2003-07-29 | A1 A2 A3 A4 A5 A6 A7 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- ESBCHR22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of ESBCHR22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS
- Branch codes
- 3 branch codes
- BIC first registered
- 1996-03-02
- Last updated
- 2026-08-01
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
59% Erste Group Bank AG
Institution type
Universal bank
Trades as Erste Bank Croatia (Erste banka)
- Ownership
- Erste Group Bank AG holds 59% and Steiermärkische Bank und Sparkassen AG holds 41%, according to end-2023 data.
- Direct parent
- Erste Group Bank AG, Austria 59%
- Major shareholder
- Steiermärkische Bank und Sparkassen AG 41% · 31 Dec 2023
- Head office
- Jadranski trg 3a, 51000 Rijeka, Croatia
- Company register
- MBS 040001037, Commercial Court in Rijeka (OIB 23057039320, MB 03337367)
Business lines
The bank serves retail, SME and large corporate clients in Croatia. It has coordinated Erste Group's regional Transaction Banking Competence Centre since 2016 and took over card issuing from Erste Card Club in October 2024.
Online
- Websites & references
- erstebank.hr ↗
Wikipedia ↗ - Official social accounts
- None found
Sources · 14 pages consulted
- erstebank.hr/en/about-us
- erstebank.hr/en/about-us/management-board-supervisory-board
- erstebank.hr/hr/o-nama/uprava-i-nadzorni-odbor-erste-banka
- erstebank.hr/en/about-us/financial-reports-and-announcements/2025
- cdn.erstegroup.com/content/dam/hr/ebc/www_erstebank_hr/eng/downloads/about-us/finnancial-reports/2025/Announ
- cdn.erstegroup.com/content/dam/hr/ebc/www_erstebank_hr/eng/downloads/about-us/finnancial-reports/2025/Announ
- erstebank.hr/en/press/press-releases/2024/7/31/katarina-kraljevic-appointed-member-of-the-management-b
- erstegroup.com/en/corporates/develop-foreign-markets/international-desk/croatia
- infobiz.fina.hr/financije/erstesteiermarkische-bank-d-d/OIB-23057039320
- tockanai.hr/biznis/financije/erste-banka-u-prvom-polugodistu-povecala-neto-dobit-na-234-milijuna-eura
- tockanai.hr/biznis/financije/erste-banka-povecala-dobit-na-175-milijuna-eura-u-prvom-tromjesecju-9788
- index.hr/vijesti/clanak/bivsi-ministar-zdravko-maric-ima-novi-posao/2762627.aspx
- erstebank.hr/hr/poslovni-klijenti/racuni-i-placanja/placanja/inozemni-platni-promet
- en.wikipedia.org/wiki/Erste_Bank_Croatia
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Christoph Schoefboeck
President of the Management Board
- Chief financial officer
- Krešimir Barić Member of the Management Board (Accounting and Controlling, Asset and Liability Management, Group Tax, Economic Research, Data Governance)
- Executive
- Georg Bucher Deputy President of the Supervisory Board (no President listed on the bank's website)
- Executive
- Hannes Frotzbacher Member of the Management Board (Risk Management, Credit Risk, Non-financial Risk, Legal)
- Executive
-
Martin Hornig
Member of the Management Board (Banking Services, IT and Organisation, Corporate Security)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- Croatia
- Croatian National Bank (Hrvatska narodna banka) Central bankPrudential supervisorAML supervisorResolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The bank appointed former finance minister Zdravko Marić to its Supervisory Board after ECB approval, for a term running to 19 February 2030.
index.hr ↗ -
Merger / acquisition
The bank completed the sale of 100% of Erste Card Club, its merchant-acquiring subsidiary, to Global Payments s.r.o.
tockanai.hr ↗ -
Merger / acquisition
The bank signed an agreement for Global Payments s.r.o. to acquire 100% of Erste Card Club, subject to regulatory approvals.
cdn.erstegroup.com ↗ -
Leadership
The ECB approved Robert Schmidbauer as a Supervisory Board member, with a term from 2 March 2025 to 1 March 2029.
cdn.erstegroup.com ↗ -
Other
The card-issuing business was carved out of Erste Card Club and transferred to the bank.
cdn.erstegroup.com ↗ -
Leadership
Katarina Kraljević joined the Management Board on 1 August 2024, succeeding Zdenko Matak, after approval by the Croatian National Bank and the ECB.
erstebank.hr ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- ESBCHR22XXX
- How the BIC breaks down
- ESBCBank
- HRCountry · Croatia
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300A2F46GR0UOM390
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Vodeći broj 2402006
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Croatia · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Erste Group Bank AG · AustriaPQOH26KWDF7CG10L6792 ↗
The Erste Group Bank AG group has 68 institutions in the directory, in 15 countries: 67 hold a BIC and 1 does not.
Including Erste Bank der Oesterreichischen Sparkassen AG, Sparkasse Oberosterreich Bank AG, Sparkasse Eferding- Peuerbach- Waizenkirchen, Kaerntner Sparkasse Aktiengesellschaft, Erste Group Bank AG.
See the Erste Group Bank AG group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- JADRANSKI TRG 3A RIJEKA 51000 CROATIA
- Operational address
- JADRANSKI TRG 3A RIJEKA 51000 RIJEKA CROATIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>ESBCHR22XXX</BICFI>
<LEI>549300A2F46GR0UOM390</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>ESBCHR22XXX</BICFI>
<LEI>549300A2F46GR0UOM390</LEI>
<Nm>ERSTE STEIERMAERKISCHE BANK D.D.</Nm>
<PstlAdr>
<TwnNm>RIJEKA</TwnNm>
<Ctry>HR</Ctry>
<AdrLine>JADRANSKI TRG 3A RIJEKA 51000</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2013-08-05 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2024-10-07 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2023-01-02 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2023-01-02 | Head office | — |
| Verification of Payee | 2025-10-05 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Vodeći broj · Croatia
1 code file of 2025-03-27
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| 2402006 | ESBCHR22 | ERSTE & STEIERMÄRKISCHE BANK d.d. Rijeka |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branches and correspondent banking
All 3 branch BICs connect to the head office. They are all in Rijeka, and no function or registration year splits them further. Ceska Sporitelna A.S. publishes 1 account held with this bank.
- Own offices
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Respondent banks
From the correspondent lists other banks publish
Ceska Sporitelna A.S. publishes 1 account held with this bank.
| Currency | Respondent bank | Held at | Account | Published in |
|---|---|---|---|---|
| HRK | Ceska Sporitelna A.S. Czechia | ESBCHR22 | — | cdn.erstegroup.com ↗ dated Sep 2020 |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| ESBCHR22BRO | BROKERAGE | Rijeka | JADRANSKI TRG 3A RIJEKA 51000 RIJEKA CROATIA | — | 2023-01-14 |
| ESBCHR22CUS | CUSTODY | Rijeka | JADRANSKI TRG 3A RIJEKA 51000 RIJEKA CROATIA | — | 2023-01-14 |
| ESBCHR22TRE | TREASURY | Rijeka | JADRANSKI TRG 3A RIJEKA 51000 RIJEKA CROATIA | — | 2023-01-14 |
Claim this profile
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- National bank codes—Croatia (Source: Croatian National Bank (HNB)).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Christoph Schoefboeck: erstebank.hr (official website) · original; Martin Hornig: erstebank.hr (official website) · original.
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