Privredna banka Zagreb d.d.

Privredna banka Zagreb d.d. (PBZ) is a Croatian universal bank headquartered in Zagreb and majority-owned by Intesa Sanpaolo S.p.A., operating under the supervision of the Croatian National Bank within the EU regulatory framework; eligible deposits are protected by the national deposit guarantee scheme up to EUR 100,000 per depositor. The bank serves individuals, SMEs, corporates, and the public sector with current and savings accounts, term deposits, domestic and cross-border payments (including SEPA), debit and credit cards, consumer loans, housing loans, overdrafts, cash management, and trade finance; investment services and fund management are available through affiliated companies, and card issuing and processing are handled within the group. Digital channels include internet and mobile banking with strong customer authentication, supporting contactless and online payments; remote authorisation methods are used for transactions where required by PSD2. PBZ maintains a nationwide branch and ATM network and offers customer support via remote channels. Croatia’s adoption of the euro means most retail and corporate accounts are denominated in EUR, with foreign exchange services available for other currencies and international transfers processed via standard EU and SWIFT rails. Pricing is published in an official tariff schedule and typically includes account package fees, payment and card fees, ATM withdrawal charges (especially out of network or abroad), and currency conversion margins on foreign transactions. Account opening is subject to identification, documentation, and anti-money-laundering checks, while lending decisions depend on creditworthiness, income verification, and collateral where applicable. The bank publishes audited financial statements and regulatory disclosures and aligns its reporting and risk management with group and EU requirements.