Erste&Steiermärkische Bank d.d.

Erste&Steiermärkische Bank d.d. is a Croatian joint-stock bank and member of the Erste Group, with operations across the country and a registered seat in Rijeka. It is among the larger banks in Croatia by assets and distribution, offering retail and corporate banking services that include current and savings accounts in euro and selected foreign currencies, domestic and cross-border payments (including SEPA), debit and credit cards, consumer and housing loans, SME and corporate lending, cash management, and trade finance. Digital channels comprise online and mobile banking, open banking interfaces under PSD2, and a peer‑to‑peer payments app (KEKS Pay), with support for major contactless and mobile wallet payments. Investment and ancillary services are available through group affiliates, such as asset management, brokerage, and leasing. Following Croatia’s adoption of the euro in 2023, kuna accounts were converted and new lending and deposit products are primarily euro‑denominated. The bank publishes fee schedules for account packages, transfers, and card services; charges vary by product and channel, and standard fees may apply for out‑of‑network ATM use and cross‑border transfers. Credit products are subject to eligibility and affordability assessments and may carry variable interest rates and early‑repayment conditions governed by local law. Erste&Steiermärkische Bank d.d. is supervised by the Croatian National Bank, and eligible deposits are covered by the Croatian deposit insurance scheme up to EUR 100,000 per depositor per bank as defined by law. Capital, liquidity, and risk disclosures are published in line with regulatory requirements, and recent financial results have reflected sector‑wide effects of higher interest rates and stable loan demand.