Our business operations

One of the major mainstays of HPB’s business strategy is its availability and accessibility.


HPB’s business network consists of 57 branch offices and 12 regional centers and it is available to clients throughout Croatia. Through its own branch offices and through the project ‘Bank in Post Office’, HPB continuously increases its accessibility and in 2017, together with the Croatian Post, it has become the largest distribution channel for basic banking products and services in Croatia, with more than 200 branches and offices. In Financial Corners, which have been operating in post offices as “miniature bank branches”, an increasing number of HPB’s services may be arranged under the same conditions as in the Bank’s branch offices.

Only the best offer and maximum availability enable progress on the financial market, and the great value of cooperation with the Croatian Post provides convergence of banking services to clients, even in the smallest towns and villages.


Innovation in business operation is an integral part of HPB’s corporate culture, and the Bank’s services and products are tailored to the different profiles and needs of its clients. The emphasis is on quality and fast services, and by applying new technologies, the Bank defines market trends which all of its client generations reward with confidence.

Financial service

HPB constantly improves the range of its products and services to ensure that all categories of clients are provided with a quality and complete financial service.

  • The Bank offers HRK and foreign currency savings and savings for children, HPB Combination packages of products for employed persons, retired persons and students, a wide range of loans for citizens, modern card products and electronic banking services
  • Our range of products for corporate clients includes loans for short term and long term financing, cards, treasury and payment services – seeking to encourage and develop a high quality entrepreneurial initiative, HPB actively cooperates with HAMAG BICRO (the Croatian Agency for SMEs, Innovation and Investments) and HBOR (the Croatian Bank for Reconstruction and Development) in various programs of extending loans to small businessmen
  • The Bank offers its corporate clients the services of financial consulting, cash management and asset management
  • HPB is a deposit bank of several investment funds and the bank custodian of voluntary pension funds
  • HPB is a member of the Zagreb Stock Exchange and of the Central Depository Company as a member broker
  • The Bank provides custody and brokerage services, acts as an agent and sponsor of securities issuance, and provides counseling services related to investments in securities (investment counseling/consulting)
  • The Bank performs payment operations for its clients and uses the Croatian Financial Agency’s network of branch offices
  • The Croatian Post, on behalf of and for the account of the Bank, provides payment services to citizens
  • The Bank’s business network includes regional centers in Zagreb, Split, Pula, Dubrovnik, Varaždin, Čakovec, Osijek, Rijeka, Zadar, Šibenik and Bjelovar, and 57 branch offices and outlets in all major cities in the country
  • The Bank’s distribution channels comprise a wide network of ATMs and POS terminals located in the Croatian Financial Agency’s branch offices, in the Croatian Post’s offices and points of sale throughout Croatia
  • HPB enables banking operations to its clients through its network of postal offices
  • HPB has established correspondent relations with more than 358 banks in the country and abroad

The most loyal clients

According to independent research, HPB is the leader in client trust and referrals, and client loyalty represents the highest value of financial institutions.

Hrvatska poštanska banka strives to be a strong and reliable Croatian bank, attractive equally to investors, clients and personnel.

Professional team

The Bank bases its future upon the professional knowledge, commitment and high professionalism of its employees. It encourages transparency in operation, innovation and readiness to compete with the competition.

As a high quality employee management company, HPB has been awarded the Employer Partner Certificate in 2019 and 2020. HPB has thus proven its focus on professional business processes, creating incentive jobs, continuous development and employee motivation.

Improving employee management is important for the development of HPB and for the continuous improvement of the quality of service and satisfaction of the Bank’s clients.