Croatia · Credit institution
Zagrebacka Banka D.D.
Legal name in the LEI recordZAGREBAČKA BANKA DIONIČKO DRUŠTVO
Zagrebačka banka d.d. is a Croatian joint-stock company. It is seated at Trg bana Josipa Jelačića 10, Zagreb. UniCredit S.p.A. holds 96.19% of its shares. The bank provides retail, corporate and investment banking, and it heads the Zagrebačka banka Group, which operates in Croatia and in Bosnia and Herzegovina. Its subsidiaries include UniCredit Bank d.d. Mostar.
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
- Zagrebačka banka d.d.
- Entity type
- Credit institution
- Supervised group (ECB)
- UniCredit S.p.A. →
- Why significant
- Size (Total assets EUR 500-1,000 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
- Zagrebačka banka d.d.
- RIAD code
- HR92963223473
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) | 2001-02-22 | A1 A2 A3 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
- ZABAHR2XXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under ZABAHR2X directly.
- 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
- 1992-09-07
- Last updated
- 2023-01-07
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
Ticker ZABA
Institution type
Universal bank
Trades as Zaba
- Ownership
- UniCredit S.p.A. holds 96.19% of the shares and other shareholders hold 3.81%.
- Direct parent
- UniCredit S.p.A., Italy 96.19%
- Stock listing
- Zagreb Stock Exchange ZABA
- Head office
- Trg bana Josipa Jelačića 10, 10000 Zagreb, Croatia
- Company register
- MBS 80000014 (court register subject number, Zagreb); OIB 92963223473
- Name in the local language
- Zagrebačka banka d.d.
Business lines
The bank serves individuals, small businesses, corporates and banks, and its offer to banks covers correspondent accounts, trade finance, custody and markets.
Online
- Websites & references
- zaba.hr ↗
zaba.hr/home/en ↗ English-language version of the site
Wikidata Q140381 ↗ - Official social accounts
- LinkedIn ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 11 pages consulted
- zaba.hr/home/o-nama/uprava
- zaba.hr/home/o-nama/korporativna-tijela
- zaba.hr/home/o-nama/dionicari
- zaba.hr/home/o-nama/upravljanje
- zaba.hr/home/banke/placanja
- zaba.hr/home/en/banks/payments
- eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-5b0e7f28db2e778291ddefae5c6ad309.pdf
- eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-1efc09e6c24375c33df6975fb1740cc2.pdf
- zaba.hr/home/o-nama/promjene-u-sastavu-uprave-23-04-2024
- zse.hr/hr/papir/310?isin=HRZABARA0009&tab=stock_publisher
- hnb.hr/en/-/financial-inspectorate-of-the-republic-of-croatia-imposes-a-hrk-33m-fine-on-zagreba%
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Dalibor Ćubela
Predsjednik Uprave (President of the Management Board and Chief Executive Officer)
- Chair
- Davide Bazzarello Predsjednik Nadzornog odbora (Chairman of the Supervisory Board)
- Chief financial officer
-
Jasna Mandac
Članica Uprave (Management Board member responsible for Finance)
- Executive
-
Ivana Lonjak Dam
Članica Uprave (Management Board member responsible for Risk Management)
- Executive
-
Aleksandra Rašić
Članica Uprave (Management Board member responsible for Corporate Banking)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (SSM) Prudential supervisor
- Croatia
- Croatian National Bank (Hrvatska narodna banka) Central bankPrudential supervisorAML supervisorResolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The bank published a notice on the Zagreb Stock Exchange about changes in the membership of its Supervisory Board.
zse.hr ↗ -
Leadership
Ivana Lonjak Dam (Risk Management) and Stefano Gison (Banking Operations Support) joined the Management Board on 17 September 2025.
zaba.hr ↗ -
Leadership
Dalibor Ćubela took office as President of the Management Board after prior approval by the supervisory authorities.
zaba.hr ↗ -
Leadership
CEO Ivan Vlaho resigned with effect from 1 May 2024 to take up another role in UniCredit Group.
zaba.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
- ZABAHR2XXXX
- How the BIC breaks down
- ZABABank
- HRCountry · Croatia
- 2XLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- PRNXTNXHBI0TSY1V8P17
- 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 2360000
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
- Founded
- 1914
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
- Unicredit, Societa' Per Azioni · Italy549300TRUWO2CD2G5692 ↗
The Unicredit, Societa' Per Azioni group has 42 institutions in the directory, in 20 countries: 41 hold a BIC and 1 does not.
Including Unicredit Bank GMBH, Unicredit S.P.A., Unicredit Bank Austria AG, Unicredit Bank GMBH, Unicredit Bank GMBH.
See the Unicredit, Societa' Per Azioni group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 CROATIA
- Operational address
- TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB 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>ZABAHR2XXXX</BICFI>
<LEI>PRNXTNXHBI0TSY1V8P17</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>ZABAHR2XXXX</BICFI>
<LEI>PRNXTNXHBI0TSY1V8P17</LEI>
<Nm>ZAGREBACKA BANKA D.D.</Nm>
<PstlAdr>
<TwnNm>ZAGREB</TwnNm>
<Ctry>HR</Ctry>
<AdrLine>TRG BANA JOSIPA JELACICA 10 ZAGREB 10000</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 | 2015-05-04 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2023-06-24 | 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 |
|---|---|---|
| 2360000 | ZABAHR2X | ZAGREBAČKA BANKA d.d. Zagreb |
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
Branch network
All 3 branch BICs connect to the head office. They are all in Zagreb, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| ZABAHR2XBRO | ZABA BROKER | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
| ZABAHR2XCUS | CUSTODY | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
| ZABAHR2XRIZ | TREASURY | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
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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.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- 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. Logo: Zagrebačka banka · Public domain · Wikimedia Commons · original; Dalibor Ćubela: zaba.hr (official website) · original; Jasna Mandac: zaba.hr (official website) · original; Ivana Lonjak Dam: zaba.hr (official website) · original; Aleksandra Rašić: zaba.hr (official website) · original.
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