Agram banka d.d. operates as a financial institution in Croatia. The company offers a wide range of banking services, including accepting deposits or other repayable funds from the public and granting loans from those funds for its own account. It also provides consumer loans, mortgages, and financing for commercial transactions, including export financing. The company offers a comprehensive range of deposit products, including demand deposits, term deposits, and savings accounts.
Business Segm...
Agram banka d.d. operates as a financial institution in Croatia. The company offers a wide range of banking services, including accepting deposits or other repayable funds from the public and granting loans from those funds for its own account. It also provides consumer loans, mortgages, and financing for commercial transactions, including export financing. The company offers a comprehensive range of deposit products, including demand deposits, term deposits, and savings accounts.
Business Segments
The company operates through the Corporate Banking, Retail Banking, and Treasury segments.
Corporate Banking
This segment focuses on providing a range of financial services to legal entities. This includes credit and guarantee operations, deposit services, card transactions, and other client transactions involving legal persons.
Retail Banking
This segment serves individual customers, offering a variety of services including credit and deposit operations, payment services, card transactions, and distribution channels.
Treasury
This segment encompasses activities related to liquidity and currency risk management, dealing with securities and other financial instruments, term deposits with financial institutions, and custodial services for securities.
Loans
Corporate Loans
The company provides a variety of loan products tailored for corporate clients. These include working capital loans, investment loans, and trade finance solutions. Working capital loans are designed to help businesses manage their day-to-day operations, ensuring liquidity and operational efficiency. Investment loans support long-term capital investments such as the purchase of equipment, real estate, or other significant assets that contribute to business growth. Trade finance solutions, including forfaiting and factoring, assist businesses in managing their trade receivables and payables, enhancing cash flow and mitigating risks associated with international trade.
Retail Loans
The company offers a range of loan products for individual customers, including personal loans, mortgages, and consumer credit. Personal loans are designed to meet various financial needs such as home renovations, education, or unexpected expenses. Mortgages provide financing for purchasing residential properties.
Specialized Loan Products
The company also offers specialized loan products to cater to specific financial needs. These include loans for small and medium-sized enterprises (SMEs), agricultural loans, and loans for renewable energy projects.
Investment Portfolio
The company maintains a diversified investment portfolio, including bonds, equities, and other securities. The company invests in a variety of bonds, including government bonds, corporate bonds, and bonds issued by financial institutions. The company classifies its financial assets into different categories, including those measured at fair value through profit or loss (FVTPL) and those measured at fair value through other comprehensive income (FVOCI).
Geographical Markets Served
The company primarily operates within the Republic of Croatia. The company serves customers through its network of branches located in various cities across Croatia, including Zagreb, Jastrebarsko, Velika Gorica, Karlovac, Kutina, Sisak, Zapreši?, Varaždin, Split, Sinj, Makarska, Zadar, Rijeka, Pore?, Osijek, Slavonski Brod, Vinkovci, Dubrovnik, and Opuzen.
Regulations
The company operates within a robust regulatory framework established by Croatian law and the Croatian National Bank. The company adheres to a range of statutory and regulatory requirements designed to ensure the stability and integrity of the financial system.
History
The company was founded in 1994. The company was incorporated in the Republic of Croatia in 1994. The company was formerly known as Kreditna banka Zagreb d.d. and changed its name to Agram banka d.d. in January 2019.