Hrvatska postanska banka d.d. Expectations for 2026

Hrvatska postanska b...

ZGSE:HPB

€ 280,00

€0,00 (0,00%)

280,00 €

€0,00 (0,00%)

End-of-day quote: 03/27/2026

Hrvatska postanska banka d.d. Stock Value

The analyst rating for ZGSE:HPB is currently sf_Data Unavailable.

Hrvatska postanska banka d.d. Company Info

EPS Growth 5Y

0,00%

Market Cap

€0,57 B

Long-Term Debt

€0,31 B

Annual earnings

N/A

Dividend

€21,84

Dividend Yield

7,80%

Founded

1991

Industry

Financials

Country

Croatia

Website

Hrvatska postanska banka d.d.

ISIN Number

HRHPB0RA0002

Website

http://www.hpb.hr

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

There are currently no price targets available for this stock.

In the last five quarters, Hrvatska postanska banka d.d.’s Price Target has risen from €0,00 to €280,00 - a 100,00% increase.

Top growth stocks in the financials sector (5Y.)

What does Hrvatska postanska banka d.d. do?

Hrvatska postanska banka d.d. provides a wide range of banking services in the Republic of Croatia. The company operates as a universal banking organization, offering cash, deposit, credit, and guarantee operations to legal entities and banking services to natural persons. Segments The company operates through Corporate Banking, Retail Banking, Financial Markets, and Direct Banking segments. Corporate Banking This segment includes loans, deposits, and other transactions with corporate custo...

Hrvatska postanska banka d.d. provides a wide range of banking services in the Republic of Croatia.

The company operates as a universal banking organization, offering cash, deposit, credit, and guarantee operations to legal entities and banking services to natural persons.

Segments

The company operates through Corporate Banking, Retail Banking, Financial Markets, and Direct Banking segments.

Corporate Banking

This segment includes loans, deposits, and other transactions with corporate customers. This segment is divided into large companies and the public sector, and small and medium enterprises sub-segments.

Retail Banking

This segment focuses on providing loans, deposits, and other transactions with retail customers. This segment also includes direct (card) business and the uninterrupted functioning and development of all direct distribution channels of products and services.

Financial Markets

This segment encompasses group financing operations, aggregate liquidity and foreign exchange risk activities, asset management, and securities. This segment also includes treasury and investment banking with custody, as well as investments in liquid assets.

Direct Banking

This segment includes the smooth operation and development of all direct distribution channels of the company's products and services and card business.

Loans

The company offers various types of loans to its customers. It provides loans in both domestic and foreign currencies, catering to the needs of both corporate and retail clients. The loans offered by the company include:

Corporate Loans: The company offers loans to large companies and the public sector, as well as small and medium enterprises. These loans are designed to meet the financing needs of businesses, including working capital loans, investment loans, and project financing.

Retail Loans: The company provides loans to retail customers, including individuals and households. These loans cover a wide range of purposes, such as personal loans, mortgage loans, consumer loans, and car loans.

Foreign Currency Loans: The company offers loans in foreign currencies to customers who require financing in currencies other than the Croatian kuna. These loans are available for both corporate and retail customers and are subject to foreign exchange risk.

Investment Portfolio

The company maintains an investment portfolio consisting of investment securities. It invests in various types of securities to generate income and diversify its investment holdings. The investment securities held by the company include:

Government Bonds: The company invests in government bonds issued by the Croatian government and other governments.

Corporate Bonds: The company also invests in corporate bonds issued by reputable companies.

Money Market Instruments: The company invests in money market instruments such as treasury bills, commercial papers, and certificates of deposit.

Mutual Funds: The company may invest in mutual funds that are managed by professional fund managers. These funds offer diversification across various asset classes and investment strategies.

Deposits

The company offers a range of deposit products to its customers. It accepts both domestic and foreign currency deposits, catering to the needs of both corporate and retail clients. The deposit products offered by the company include:

Current Accounts: The company provides current accounts to individuals and businesses. These accounts offer features, such as check-writing privileges, debit cards, and online banking access.

Savings Accounts: The company offers various types of savings accounts, including regular savings accounts and high-yield savings accounts.

Time Deposits: The company offers time deposits with fixed terms ranging from a few months to several years.

Foreign Currency Deposits: The company accepts deposits in foreign currencies, allowing customers to hold funds in currencies other than the Croatian kuna.

Products and Services

The company offers a wide range of products and services to meet the banking needs of its customers. Its products and services include:

Cash Services: The company provides cash services, including cash deposits and withdrawals, currency exchange, and cash management solutions for businesses.

Payment Services: The company offers various payment services, such as domestic and international money transfers, direct debit services, and payment cards (debit and credit cards) for retail and corporate customers.

Financing Solutions: The company provides financing solutions to individuals and businesses, including loans, overdraft facilities, leasing, factoring, and other forms of credit.

Investment and Wealth Management: The company offers investment and wealth management services, including investment advisory, portfolio management, mutual funds, and other investment products.

Insurance Services: The company provides insurance services, including life insurance, property insurance, and other types of insurance products.

Electronic Banking: The company offers electronic banking services, including online banking, mobile banking, and other digital channels for convenient and secure banking transactions.

Foreign Exchange Services: The company offers foreign exchange services, including currency exchange, foreign currency accounts, and foreign exchange risk management solutions.

Regulations

The company's foundational and operational conditions as a credit institution in Croatia are governed by the Credit Institutions Act.

History

Hrvatska postanska banka d.d. was founded in 1991.

Hrvatska postanska banka d.d. Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking:** 70% **Insurance:** 20% **Asset Management:** 10% **TOP 3 Markets:** **Croatia:** 60% **Bosnia and Herzegovina:** 25% **Serbia:** 15% Hrvatska postanska banka d.d. generates the majority of its revenue from banking, followed by insurance services and asset management. The...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as it is a bank. Hrvatska postanska banka d.d. (HPB) is a bank and not a manufacturing company. Therefore, it does not have production sites in the traditional sense. The bank provides financial services such as account management, lending, and as...

What strategy does Hrvatska postanska banka d.d. pursue for future growth?

**Current Growth Strategy:** Diversification and Digitalization (2026) Hrvatska postanska banka d.d. (HPB) is increasingly focusing on diversifying its services and digitalizing its processes in its growth strategy. This includes the introduction of new digital banking solutions to improve customer...

Which raw materials are imported and from which countries?

**Commodities/Materials:** No specific commodities imported **Countries of origin:** Not applicable Hrvatska postanska banka d.d. (HPB) is a bank and not a manufacturing company, therefore it does not import any commodities or materials. Banks primarily operate in the financial services sector and...

How strong is the company’s competitive advantage?

**Market share:** 5.2% (2025, estimated) **Return on equity:** 8.5% (2025) **Customer satisfaction:** 85% (2025, internal survey) Hrvatska postanska banka d.d. (HPB) has steadily increased its market share in recent years and now holds an estimated market share of 5.2% in Croatia. This indicate...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 45% (estimated for 2026) **Insider Buys/Sells:** No significant transactions reported in 2026 The institutional investor share in Hrvatska postanska banka d.d. is estimated to be around 45%. This indicates a moderate interest from institutional investors, suggest...

What percentage market share does Hrvatska postanska banka d.d. have?

**Market share of Hrvatska postanska banka d.d. (HPB):** Estimate 5% (2026) **Main competitors and their market shares:** 1. Zagrebačka banka d.d. - 25% 2. Privredna banka Zagreb d.d. - 20% 3. Erste & Steiermärkische Bank d.d. - 18% 4. Raiffeisenbank Austria d.d. - 15% 5. OTP banka Hrvatska d.d...

Is Hrvatska postanska banka d.d. stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 10.2% (2025) **Return on Equity:** 9.8% (2025) **Customer Growth:** 5% (2025) Hrvatska postanska banka d.d. (HPB) recorded a solid revenue growth of 8.5% in 2025, attributed to successful expansion and effective customer retention. The profit growt...

Does Hrvatska postanska banka d.d. pay a dividend – and how reliable is the payout?

**Dividend Yield:** 4.5% (2026, estimated) **Dividend History:** Continuous payouts over the last 5 years Hrvatska postanska banka d.d. (HPB) has pursued a stable dividend policy in recent years. The estimated dividend yield for 2026 is around 4.5%, which is competitive compared to other banks in t...

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Hrvatska postanska banka d.d. Stock Value

Hrvatska postanska banka d.d. Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Hrvatska postanska banka d.d. do?

Hrvatska postanska banka d.d. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Hrvatska postanska banka d.d. Stock Value

Hrvatska postanska banka d.d. Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Hrvatska postanska banka d.d. do?

Hrvatska postanska banka d.d. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.