---
title: "Zagrebacka Banka D.D. SWIFT/BIC code ZABAHR2XXXX · Croatia | Elucidate"
description: "Significant institution directly supervised by the ECB. SWIFT/BIC code ZABAHR2XXXX for Zagrebacka Banka D.D., Croatia. 3 branch BICs, LEI PRNXTNXHBI0TSY1V8P17."
url: https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x
---
1. [Directory](https://elucidate.co/directory)
2. [Croatia](https://elucidate.co/directory/country/hr)
3. Zagrebacka Banka D.D.
Croatia · Credit institution
# Zagrebacka Banka D.D.
Legal name in the LEI record ZAGREBAČKA 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.
ECB · Single Supervisory Mechanism
Directly supervised by the ECB
Total assets EUR 500–1,000 bn
Group: UniCredit S.p.A.
BIC **ZABAHR2XXXX** LEI **[PRNXTNXHBI0TSY1V8P17](https://search.gleif.org/#/record/PRNXTNXHBI0TSY1V8P17)** Licence no. **Not on a tracked register** Connected to Swift [ECB significant institution](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#regulatory) [**3** branch codes](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#branches) [Group: Unicredit, Societa' Per Azioni](https://elucidate.co/directory/group/549300TRUWO2CD2G5692) [Claim this profile](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#claim)
## 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](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#regulatory)): 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. →](https://elucidate.co/directory/unicredit-s-p-a-uncritmm)
- **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 Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#schemes)
- **Branch codes:** [3 branch codes](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#branches)
- **BIC first registered:** 1992-09-07
- **Last updated:** 2023-01-07
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#overview-sources)
Photo: Mark Ahsmann · [CC BY-SA 3.0](https://creativecommons.org/licenses/by-sa/3.0) · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:20130609_Zagreb_006.jpg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/1/1a/20130609_Zagreb_006.jpg/960px-20130609_Zagreb_006.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail)
Total assets
EUR 23.6bn
This entity · 30 Jun 2026 · [interim report ↗](https://eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-5b0e7f28db2e778291ddefae5c6ad309.pdf)
Employees
3,145
headcount · This entity · 30 Jun 2026 · [interim report ↗](https://eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-5b0e7f28db2e778291ddefae5c6ad309.pdf)
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.](https://elucidate.co/directory/unicredit-s-p-a-uncritmm), 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
- Retail banking
- Corporate banking
- SME banking
- Investment banking
- Private banking & wealth
- Transaction banking & payments
- Correspondent banking
- Trade finance
- Custody & securities services
- Markets & trading
- Mortgage lending
- Cards
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 ↗](https://www.zaba.hr/) [zaba.hr/home/en ↗](https://www.zaba.hr/home/en) English-language version of the site [Wikidata Q140381 ↗](https://www.wikidata.org/wiki/Q140381)
- **Official social accounts:** [LinkedIn ↗](https://linkedin.com/company/zagrebacka-banka/) · [Instagram ↗](https://www.instagram.com/zagrebacka.banka/) · [YouTube ↗](https://www.youtube.com/channel/UCPO1SAxHj8_K5vLk_zyJSHw) · [TikTok ↗](https://www.tiktok.com/@zagrebacka.banka)
Sources · 11 pages consulted
1. [zaba.hr/home/o-nama/uprava](https://www.zaba.hr/home/o-nama/uprava)
2. [zaba.hr/home/o-nama/korporativna-tijela](https://www.zaba.hr/home/o-nama/korporativna-tijela)
3. [zaba.hr/home/o-nama/dionicari](https://www.zaba.hr/home/o-nama/dionicari)
4. [zaba.hr/home/o-nama/upravljanje](https://www.zaba.hr/home/o-nama/upravljanje)
5. [zaba.hr/home/banke/placanja](https://www.zaba.hr/home/banke/placanja)
6. [zaba.hr/home/en/banks/payments](https://www.zaba.hr/home/en/banks/payments)
7. [eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-5b0e7f28db2e778291ddefae5c6ad309.pdf](https://eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-5b0e7f28db2e778291ddefae5c6ad309.pdf)
8. [eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-1efc09e6c24375c33df6975fb1740cc2.pdf](https://eho.zse.hr/fileadmin/issuers/ZABA/FI-ZABA-1efc09e6c24375c33df6975fb1740cc2.pdf)
9. [zaba.hr/home/o-nama/promjene-u-sastavu-uprave-23-04-2024](https://www.zaba.hr/home/o-nama/promjene-u-sastavu-uprave-23-04-2024)
10. [zse.hr/hr/papir/310?isin=HRZABARA0009&tab=stock\_publisher](https://zse.hr/hr/papir/310?isin=HRZABARA0009&tab=stock_publisher)
11. [hnb.hr/en/-/financial-inspectorate-of-the-republic-of-croatia-imposes-a-hrk-33m-fine-on-zagreba%](https://www.hnb.hr/en/-/financial-inspectorate-of-the-republic-of-croatia-imposes-a-hrk-33m-fine-on-zagreba%C4%8Dka-banka-d.d.)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#overview-sources)
- **Chief executive:**  Dalibor Ćubela Predsjednik Uprave (President of the Management Board and Chief Executive Officer) Confirmed 29 Sep 2026 · [zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
- **Chair:** Davide Bazzarello Predsjednik Nadzornog odbora (Chairman of the Supervisory Board) Confirmed 29 Sep 2026 · [zaba.hr ↗](https://www.zaba.hr/home/o-nama/korporativna-tijela)
- **Chief financial officer:**  Jasna Mandac Članica Uprave (Management Board member responsible for Finance) Confirmed 29 Sep 2026 · [zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
- **Executive:**  Ivana Lonjak Dam Članica Uprave (Management Board member responsible for Risk Management) Confirmed 29 Sep 2026 · [zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
- **Executive:**  Aleksandra Rašić Članica Uprave (Management Board member responsible for Corporate Banking) Confirmed 29 Sep 2026 · [zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#overview-sources)
- **European Union:** European Central Bank (SSM) Prudential supervisor
- **Croatia:** Croatian National Bank (Hrvatska narodna banka) Central bank Prudential supervisor AML supervisor Resolution
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#overview-sources)
1. May 2026
Leadership
The bank published a notice on the Zagreb Stock Exchange about changes in the membership of its Supervisory Board.
[zse.hr ↗](https://zse.hr/hr/papir/310?isin=HRZABARA0009&tab=stock_publisher)
2. Apr 2026
Leadership
The bank announced the start of a new mandate of its Supervisory Board.
[zse.hr ↗](https://zse.hr/hr/papir/310?isin=HRZABARA0009&tab=stock_publisher)
3. Sep 2025
Leadership
Ivana Lonjak Dam (Risk Management) and Stefano Gison (Banking Operations Support) joined the Management Board on 17 September 2025.
[zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
4. Jul 2024
Leadership
Dalibor Ćubela took office as President of the Management Board after prior approval by the supervisory authorities.
[zaba.hr ↗](https://www.zaba.hr/home/o-nama/uprava)
5. May 2024
Leadership
CEO Ivan Vlaho resigned with effect from 1 May 2024 to take up another role in UniCredit Group.
[zaba.hr ↗](https://www.zaba.hr/home/o-nama/promjene-u-sastavu-uprave-23-04-2024)
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:** 1. ZABA Bank 2. HR Country · Croatia 3. 2X Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** PRNXTNXHBI0TSY1V8P17
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/PRNXTNXHBI0TSY1V8P17)
- **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](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#bank-codes)
## Profile
- **Type:** Credit institution
- **Regulation:** Prudentially supervised (ECB list)
- **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](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x#regulatory) 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](https://elucidate.co/directory/unicredit-s-p-a-uncritmm) · Italy[549300TRUWO2CD2G5692 ↗](https://search.gleif.org/#/record/549300TRUWO2CD2G5692)
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](https://elucidate.co/directory/unicredit-bank-gmbh-hyvedemm), [Unicredit S.P.A.](https://elucidate.co/directory/unicredit-s-p-a-uncritmm), [Unicredit Bank Austria AG](https://elucidate.co/directory/unicredit-bank-austria-ag-bkauatww), [Unicredit Bank GMBH](https://elucidate.co/directory/unicredit-bank-gmbh-hyveus33), [Unicredit Bank GMBH](https://elucidate.co/directory/unicredit-bank-gmbh-hyvegb2l).
[See the Unicredit, Societa' Per Azioni group →](https://elucidate.co/directory/group/549300TRUWO2CD2G5692)
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
```xml
ZABAHR2XXXX
PRNXTNXHBI0TSY1V8P17
```
### 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
```xml
ZABAHR2XXXX
PRNXTNXHBI0TSY1V8P17
ZAGREBACKA BANKA D.D.
ZAGREB
HR
TRG BANA JOSIPA JELACICA 10 ZAGREB 10000
```
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.
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [ZABAHR2XBRO](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x-bro) | ZABA BROKER | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
| [ZABAHR2XCUS](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x-cus) | CUSTODY | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
| [ZABAHR2XRIZ](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x-riz) | TREASURY | Zagreb | TRG BANA JOSIPA JELACICA 10 ZAGREB 10000 ZAGREB CROATIA | — | 2023-03-04 |
[See every BIC in Croatia →](https://elucidate.co/directory/country/hr#bics)
## Related institutions
### Subsidiaries in the directory
- [Unicredit Bank BIC UNCRBA22 Financial institution Not on a tracked register Bosnia & Herzegovina · Not on a tracked register · LEI 549300RGT0JMDJZKVG34](https://elucidate.co/directory/unicredit-bank-uncrba22)
Entities that GLEIF records with this LEI as their direct parent.
### Same group
- [Unicredit Bank GMBH BIC HYVEDEMM Credit institution Prudential licence Germany · On the ECB list of supervised entities · LEI 2ZCNRR8UK83OBTEK2170](https://elucidate.co/directory/unicredit-bank-gmbh-hyvedemm)
- [Unicredit S.P.A. BIC UNCRITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 549300TRUWO2CD2G5692](https://elucidate.co/directory/unicredit-s-p-a-uncritmm)
- [Unicredit Bank Austria AG BIC BKAUATWW Credit institution Prudential licence Austria · On the ECB list of supervised entities · LEI D1HEB8VEU6D9M8ZUXG17](https://elucidate.co/directory/unicredit-bank-austria-ag-bkauatww)
- [Unicredit Bulbank Ad BIC UNCRBGSF Credit institution Prudential licence Bulgaria · On the ECB list of supervised entities · LEI 549300Z7V2WOFIMUEK50](https://elucidate.co/directory/unicredit-bulbank-ad-uncrbgsf)
- [Unicredit NV/SA BIC BMPBBEBB Credit institution Prudential licence Belgium · On the ECB list of supervised entities · LEI 549300U1YXDFKMDU7D20](https://elucidate.co/directory/unicredit-nv-sa-bmpbbebb)
- [Unicredit International Bank Luxembourg S.A. BIC UNCRLULL Credit institution Prudential licence Luxembourg · On the ECB list of supervised entities · LEI 529900I5EWMMMCSTS175](https://elucidate.co/directory/unicredit-international-bank-luxembourg-s-a-uncrlull)
- [Schoellerbank AG BIC SCHOATWW Credit institution Prudential licence Austria · On the ECB list of supervised entities · LEI 529900ESWL1AEC189F69](https://elucidate.co/directory/schoellerbank-ag-schoatww)
- [Unicredit Banka Slovenija D.D. BIC BACXSI22 Credit institution Prudential licence Slovenia · On the ECB list of supervised entities · LEI 549300O2UN9JLME31F08](https://elucidate.co/directory/unicredit-banka-slovenija-d-d-bacxsi22)
[All 42 institutions in the Unicredit, Societa' Per Azioni group →](https://elucidate.co/directory/group/549300TRUWO2CD2G5692)
### Largest institutions in Croatia
- [OTP Banka D.D. BIC OTPVHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 5299005UJX6K7BQKV086](https://elucidate.co/directory/otp-banka-d-d-otpvhr2x)
- [Hrvatska Narodna Banka (Croatian National Bank) BIC NBHRHR2X Financial institution Not on a tracked register Croatia · Not on a tracked register · LEI 74780000X0J87XKFIL77](https://elucidate.co/directory/hrvatska-narodna-banka-croatian-national-bank-nbhrhr2x)
- [Erste Steiermaerkische Bank D.D. BIC ESBCHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300A2F46GR0UOM390](https://elucidate.co/directory/erste-steiermaerkische-bank-d-d-esbchr22)
- [Podravska Banka D.D BIC PDKCHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900LSO9YYPL05B152](https://elucidate.co/directory/podravska-banka-d-d-pdkchr2x)
- [Privredna Banka Zagreb D.D BIC PBZGHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300ZHFZ4CSK7VS460](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x)
- [Agram Banka D.D. BIC KREZHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300XIM24KBQS8HU64](https://elucidate.co/directory/agram-banka-d-d-krezhr2x)
- [Agram Brokeri D.D. BIC AGBOHR21 Financial institution Not on a tracked register Croatia · Not on a tracked register · LEI 529900T91VSVHHZD7N54](https://elucidate.co/directory/agram-brokeri-d-d-agbohr21)
- [Croatia Banka D.D BIC CROAHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900086UL2LKA05756](https://elucidate.co/directory/croatia-banka-d-d-croahr2x)
[See every BIC in Croatia →](https://elucidate.co/directory/country/hr#bics)
Claim this profile
## Work at Zagrebacka Banka D.D.?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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 →](https://elucidate.co/directory/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](https://commons.wikimedia.org/wiki/File:Zagreba%C4%8Dka-banka-Logo.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/a/ac/Zagreba%C4%8Dka-banka-Logo.svg/330px-Zagreba%C4%8Dka-banka-Logo.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail); Dalibor Ćubela: [zaba.hr](https://www.zaba.hr/home/o-nama/uprava) (official website) · [original](https://www.zaba.hr/home/med/17821/dalibor-cubela-v3-1280x1280.jpg); Jasna Mandac: [zaba.hr](https://www.zaba.hr/home/o-nama/uprava) (official website) · [original](https://www.zaba.hr/home/med/7298/jasna-mandac-1-1280x1280.jpg); Ivana Lonjak Dam: [zaba.hr](https://www.zaba.hr/home/o-nama/uprava) (official website) · [original](https://www.zaba.hr/home/zaba/med/17805/1280x1280-ivana-lonjak-dam.jpg); Aleksandra Rašić: [zaba.hr](https://www.zaba.hr/home/o-nama/uprava) (official website) · [original](https://www.zaba.hr/home/med/17819/aleksandra-rasic-1280x1280.jpg).
## Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.