Best bank: Zagrebacka Banka
Zagrebacka Banka achieved targeted digital and product innovation across retail, corporate and SME banking in 2025, supported by sustained improvements in profitability and customer delivery.
Net income at the bank increased 13% year on year to €510 million, while group profit reached €572 million. Loans to customers rose 16% to €15.9 billion and total assets expanded by 9%, with gains across both retail and corporate segments. Fee and commission income rose 10%, reflecting higher transactional activity and growing use of investment and payments products.
Investment was focused on digital distribution and onboarding, with the redesigned m-zaba app significantly boosting engagement, reaching nearly 700,000 active users and driving mobile penetration to 68% across all client segments.
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