PODRAVSKA BANKA

Find out more about us

Podravska banka (joint stock company), one of the oldest banks in the Republic of Croatia, has its origins in Koprivnička dionička štedionica founded in 1872. Today, Bank is present in thirty outlets across Croatia, profiled as a modern and innovative financial institution. Podravska banka offers a complete financial service, with particular focus on segments of citizens, craftsmen and small and medium-sized businesses.

In 2019 POBA has confirmed its position as one of the leading small banks in Croatia realizing the following business results:

  • total assets amounted to 3,6 billion kuna
  • operating income was 130 million kuna
  • total customer deposits exceeded 2.6 billion kuna
  • total loan portfolio amounts to 2,1 billion kuna
  • capital adequacy ratio was 18.46%

POBA is available to its customers 24/7 through a network of 22 branches and other distribution channels (ATMs, EFTPOS terminals, day-night vault, internet and mobile banking and info-kiosks).

Management Board

Goran Varat, President of Management Board

Goran Varat holds a master’s degree in Economics, University of Zagreb (2004), specializing in the field of macroeconomics. In 2000, he graduated from the same university, majoring in Finance. He holds a FAME certificate (Financial Asset Management and Engineering) from Swiss Finance Institute in Lausanne and has attended numerous additional educations and training seminars in worldwide.
Goran started his professional career in Croatian National Bank in 2002, working in Sector for Central Banking Operations, Division for Management of International Reserves and Foreign Exchange Liquidity. In 2004 he transferred into the Banking Regulation and Banking Supervision Sector, where he worked as direct supervision of market and liquidity risk specialist. Goran joined Podravska banka in 2008 as Financial Markets Executive Director. In 2014 he was appointed as a member of the Board of Directors at Hipotekarna bank in Montenegro. From 2015 until 2019 he works as a member of the Management Board of Podravska banka, and starts to serve as the President of the Management Board in April 2019.

Renata Vinković, Member of the Board

Renata Vinković holds a master’s degree in Marketing.
She has been employed at Podravska bank Since 1996. First as a loan officer and then in increasingly responsible positions within the organizational units responsible for risk, where she has been involved since 2007. As Executive Director of the Risk Management Sector, she was responsible for managing and supervising risks and providing expert support for risk identification and quantification.

She has been a member of the Management Board since April 2019.

Daniel Unger, Member of the Board

Daniel Unger holds a master’s degree in Finance. He passed an investment advisory licensed exam organized by Croatian Financial Services Supervisory Agency.
Daniel has been employed at Podravska bank since 1997. During that time, he worked in various foreign exchange payment operations, business support operations, branch manager, and since 2003 has held managerial positions within the commercial function, performing the duties of executive director of the Commercial Sector.

He has been a member of the Management Board since 2015, in a renewed term in office since April 2019.

General information

PODRAVSKA BANKA d.d.

OIB: 97326283154
IBAN: HR6323860021000010160
S.W.I.F.T.: PDKCHR2X
Web: www.poba.hr
e-mail: info@poba.hr
Info Center: 00385 72 20 20 20

Headquarter
48000 Koprivnica, Opatička 3
Tel: 00385 72 655 000
fax: 00385 72 655 266
e-mail: uprava@poba.hr

Business Center Zagreb

10000 Zagreb, Ulica grada Vukovara 269g – Green Gold Center
Tel: 00385 72 655 115
fax: 00385 72 655 200
e-mail: info@poba.hr

POBA App Guidelines

Display card manual 2020
Download
mToken - manual 2020
Download

Podravska Bank's website uses cookies. Using them helps us to know more about you. The use of cookies helps us to provide you with the best possible user experience and improve the functionality of the site. By continuing to browse the site, you agree to the use of cookies. For more information about cookies and how you can disable them, visit the Privacy Policy page.

Privacy Preference Center

Close

Your Privacy

When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences, your device or used to make the site work as you expect it to. The information does not usually identify you directly, but it can give you a more personalized web experience. You can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, you should know that blocking some types of cookies may impact your experience on the site and the services we are able to offer.

Essential cookies

These cookies are essential for websites and their features to work properly. Without these cookies, services such as the vehicle configurator may be disabled.

  • WordPress Required
  • Wordfence Required

Performance Cookies

These cookies collect information about how you use websites. Performance cookies help us, for example, to identify especially popular areas of our website. In this way, we can adapt the content of our websites more specifically to your needs and thereby improve what we offer you. These cookies do not collect personal data. Further details on how the information is collected and analyzed can be found in the section ‘Analysis of usage data’.

Cookies used

Third-party cookies

These cookies are installed by third parties, e.g. social networks. Their main purpose is to integrate social media content on our site, such as social plugins.