All credit institutions registered in the Republic of Croatia participate in the deposit insurance system. The goal of the deposit insurance system is protection of citizens (natural persons), small entrepreneurs and non-profit organisations. Namely, in the event of credit institution bankruptcy, the abovementioned depositors do not have to wait for the end of a long-term bankruptcy proceedings, but receive their deposit compensation from the Agency and the Agency claims reimbursements during bankruptcy proceedings instead of them.

Numbers at a glance

The share of insured deposits in the total deposits increases each year. Out of the total of 295.7 billion HRK of deposits in Croatian credit institutions on December 31, 2014, 171.2 billion of deposits were insured. As much as 160.0 billion of insured deposits belonged to citizens (natural persons), 9.6 billion to small entrepreneurs and 1.6 billion to non-profit organisations.


The Agency insures deposits to deposit insurance limit of 100,000 euro in kuna equivalent value. On December 31, 2014, credit institutions held a total of 193.2 billion HRK of citizens deposits, out of which 160.0 billion (82.8%) was insured. Out of the total of 48.9 billion HRK of companies' deposits, 9.6 billion HRK (19.6%) was insured. Out of the total of 4.2 billion HRK of non-profit organisations' deposits, 1.6 billion HRK (38.1%) was insured. The Agency does not insure the deposits of state subjects (6.9 billion HRK) and financial institutions (42.5 billion HRK).


On December 31, 2014, the banks held a total of 289.0 billion HRK of deposits, out of which 164.5 billion (56.9%) was insured. The building societies insured a total of 6.7 billion HRK of deposits.


On December 31, 2014, the credit institutions held a total of 258.1 billion HRK of residents deposits, out of which 164.9 billion (64%) was insured and 37.6 billion HRK of non-resident deposits, out of which 6.3 billion HRK (16.7%) was insured.