Karlovačka banka d.d.

Karlovačka banka d.d. is a Croatian joint-stock bank headquartered in Karlovac that operates as a regional lender focused on households, small businesses, and local corporates. It offers current accounts in euro, savings and term deposits, debit and credit cards, domestic and SEPA payments, and standard lending products such as cash loans, overdrafts, auto and housing loans for individuals, alongside working capital facilities, investment loans, guarantees, and trade services for businesses. The bank provides internet and mobile banking with strong customer authentication under PSD2, card payments secured by 3‑D Secure, and supports international transfers via SWIFT; exchange services are available for non-euro currencies since Croatia adopted the euro in 2023. Its physical footprint is concentrated in Karlovac and nearby areas, with a smaller branch and ATM network than national players, complemented by remote service channels. Karlovačka banka is licensed and supervised by the Croatian National Bank and follows EU banking rules on capital, conduct, and payments; audited financial statements and regulatory capital ratios are published in annual and periodic reports. Eligible deposits are protected up to EUR 100,000 per depositor per bank under the Croatian deposit guarantee scheme (harmonized with EU rules). Tariffs for accounts, cards, and payments are publicly disclosed, including fees for SEPA and cross-border services, and onboarding and service availability are subject to standard KYC/AML requirements.