{"id":121,"date":"2018-07-09T14:15:43","date_gmt":"2018-07-09T14:15:43","guid":{"rendered":"https:\/\/www.poba.hr\/naslovna\/"},"modified":"2026-01-26T10:27:23","modified_gmt":"2026-01-26T10:27:23","slug":"homepage","status":"publish","type":"page","link":"https:\/\/www.poba.hr\/en\/","title":{"rendered":"Homepage"},"content":{"rendered":"<figure class=\"header-image header-image--  header-image--half \" style=\"background-image:url( https:\/\/www.poba.hr\/wp-content\/uploads\/2020\/02\/36T9702-1400x515.jpg );\" itemscope=\"image\" itemtype=\"http:\/\/schema.org\/ImageObject\">\n\t<div class=\"helper_image-right\" style=\"background-image:url( https:\/\/www.poba.hr\/wp-content\/uploads\/2020\/02\/36T9702.jpg );\"><\/div>\t\t<meta content=\"https:\/\/www.poba.hr\/wp-content\/uploads\/2020\/02\/36T9702.jpg\">\n\n\t\t<figcaption class=\"header-image__content \">\n\t\t<h2 class=\"header-image__title\">PODRAVSKA BANKA <\/h2>\n\t\t\t\t<div class=\"header-image__content-box\">\n\t\t\t<label class=\"header-image__label\"><\/label>\n\t\t\t\n\t\t<\/div>\n\t\t<div class=\"header-image__content-box\">\n\t\t\t<label class=\"header-image__label\"><\/label>\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\n\t\t\n\t<\/figcaption>\n    <\/figure>\n\n\n<div class=\"wrapper\">\n    <div class=\"container\">\n        <div class=\"am2-content narrow-width__v1 \">\n                            <div class=\"col-1\">\n                    <p>Established in 1872, Podravska banka (joint stock company) stands as one of the Republic of Croatia&#8217;s oldest financial institutions, tracing its roots back to the foundation of Koprivni\u010dka dioni\u010dka \u0161tedionica. With a contemporary and innovative approach, the bank has evolved into a modern financial entity, currently operating through thirty branches across Croatia. Specializing in comprehensive financial services, Podravska banka places a particular emphasis on serving citizens, craftsmen, and small to medium-sized businesses.<\/p>\n<p>As of 2024, Podravska banka continues to hold a strong and competitive position among smaller banks in Croatia, supported by notable business achievements and steady growth:<\/p>\n<ul>\n<li>total assets reaching 723 million euros<\/li>\n<li>operating income amounting to 27.9 million euros<\/li>\n<li>client deposits surpassing 561 million euros<\/li>\n<li>total loan portfolio of 316 million euros<\/li>\n<li>robust capital adequacy ratio standing at 20.56%<\/li>\n<\/ul>\n<p>POBA is available to its customers 24\/7 through a network of 21 branches and other distribution channels (ATMs, EFTPOS terminals, day-night vault, internet and mobile banking and info-kiosks).<\/p>\n\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"wrapper\">\n    <div class=\"container\">\n        <div class=\"am2-content narrow-width__v1 \">\n                            <div class=\"col-1\">\n                    <h3>Management Board<\/h3>\n<p><strong>Daniel Unger, President of the Management Board<\/strong><\/p>\n<p>Daniel Unger holds a master\u2019s degree in Finance. He passed an investment advisory licensed exam organized by Croatian Financial Services Supervisory Agency.<br \/>\nDaniel 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.,and starts to serve as the President of the Management Board in 2022.<\/p>\n<p><strong>Renata Vinkovi\u0107, Member of the Board<\/strong><\/p>\n<p>Renata Vinkovi\u0107 holds a master\u2019s degree in Marketing.<br \/>\nShe 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.<\/p>\n<p>She has been a member of the Management Board since April 2019.<\/p>\n<p><strong>Goran Varat, Member of the Board<\/strong><\/p>\n<p>Goran Varat holds a master\u2019s 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.<br \/>\nGoran 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.<\/p>\n<p>He has been a member of the Management Board since 2015.<\/p>\n\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"wrapper\">\n    <div class=\"container\">\n        <div class=\"am2-content narrow-width__v1 \">\n                            <div class=\"col-1\">\n                    <h2>General information<\/h2>\n<p>PODRAVSKA BANKA d.d.<\/p>\n<p>OIB: 97326283154<br \/>\nIBAN: HR6323860021000010160<br \/>\nS.W.I.F.T.: PDKCHR2X<br \/>\nWeb: www.poba.hr<br \/>\ne-mail: <a href=\"mailto:info@poba.hr\">info@poba.hr<\/a><br \/>\nInfo Center: 00385 72 20 20 20<\/p>\n<p><span style=\"font-weight: 400; color: #ff9900;\"> Headquarter <\/span><br \/>\n48000 Koprivnica, Opati\u010dka 3<br \/>\nTel: 00385 72 655 000<br \/>\nfax: 00385 72 655 266<br \/>\ne-mail: uprava@poba.hr<\/p>\n<p><span style=\"font-weight: 400; color: #ff9900;\"> Business Center Zagreb <\/span><\/p>\n<p>10000 Zagreb, Ulica grada Vukovara 269g &#8211; Green Gold Center<br \/>\nTel: 00385 72 655 115<br \/>\nfax: 00385 72 655 200<br \/>\ne-mail: info@poba.hr<\/p>\n\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"wrapper\">\n    <div class=\"container\"> \n                    <div class=\"am2-accordion__wrapper\">\n                                    <div id=\"am2-accordion-1\" class=\"am2-accordion narrow-width__v1\">\n                        <div class=\"am2-accordion__panel\">\n                            <h3 class=\"am2-accordion__panel-title\">\n                                POBA App Guidelines\n                                <svg class=\"svg-arrow--down am2-accordion__toggle-icon\">\n                                    <use xlink:href=\"https:\/\/www.poba.hr\/wp-content\/themes\/am2\/assets\/images\/sprite.svg#arrow--down\"><\/use>\n                                <\/svg>\n                            <\/h3> \n                            <div class=\"am2-accordion__panel-content\"> \n                                   \n\n                                                                    <div class=\"am2-file\">\n                                                                                <div class=\"am2-file__description\">Display card manual 2020<\/div>                      \n                                                                                <a href=\"https:\/\/www.poba.hr\/wp-content\/uploads\/2020\/06\/Display_card_manual_20.pdf\" class=\"am2-file__link\">                            \n                                            Download \n                                            <svg class='am2-file__icon'>\n                                                <use xlink:href='https:\/\/www.poba.hr\/wp-content\/themes\/am2\/\/assets\/images\/sprite.svg#arrow--left'><\/use>\n                                          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class=\"svg-arrow--down am2-accordion__toggle-icon\">\n                                    <use xlink:href=\"https:\/\/www.poba.hr\/wp-content\/themes\/am2\/assets\/images\/sprite.svg#arrow--down\"><\/use>\n                                <\/svg>\n                            <\/h3> \n                            <div class=\"am2-accordion__panel-content\"> \n                                   \n\n                                                                    <div class=\"am2-file\">\n                                                                                <div class=\"am2-file__description\">International Currencies Accounts<\/div>                      \n                                                                                <a href=\"https:\/\/www.poba.hr\/wp-content\/uploads\/2026\/01\/Bank-Accounts.pdf\" class=\"am2-file__link\">                            \n                                            Download \n                                            <svg class='am2-file__icon'>\n                                                <use xlink:href='https:\/\/www.poba.hr\/wp-content\/themes\/am2\/\/assets\/images\/sprite.svg#arrow--left'><\/use>\n                                            <\/svg>\n                                        <\/a> \n                                                                                                                       \n                                        \n                                        \n                                        \n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div id=\"am2-accordion-3\" class=\"am2-accordion narrow-width__v1\">\n                        <div class=\"am2-accordion__panel\">\n                            <h3 class=\"am2-accordion__panel-title\">\n                                Articles of association\n                                <svg class=\"svg-arrow--down am2-accordion__toggle-icon\">\n                                    <use xlink:href=\"https:\/\/www.poba.hr\/wp-content\/themes\/am2\/assets\/images\/sprite.svg#arrow--down\"><\/use>\n                                <\/svg>\n                            <\/h3> \n                            <div class=\"am2-accordion__panel-content\"> \n                                   \n\n                                                                    <div class=\"am2-file\">\n                                                                                <div class=\"am2-file__description\">Articles of association Podravska banka<\/div>                      \n                                                                                <a href=\"https:\/\/www.poba.hr\/wp-content\/uploads\/2021\/04\/Articles-of-association-Podravska-banka.pdf\" class=\"am2-file__link\">                            \n                                            Download \n                                            <svg class='am2-file__icon'>\n                                                <use xlink:href='https:\/\/www.poba.hr\/wp-content\/themes\/am2\/\/assets\/images\/sprite.svg#arrow--left'><\/use>\n                                            <\/svg>\n                                        <\/a> \n                                                                                                                       \n                                        \n                                        \n                                        \n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"front-page.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-121","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/pages\/121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/comments?post=121"}],"version-history":[{"count":57,"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/pages\/121\/revisions"}],"predecessor-version":[{"id":58159,"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/pages\/121\/revisions\/58159"}],"wp:attachment":[{"href":"https:\/\/www.poba.hr\/en\/wp-json\/wp\/v2\/media?parent=121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}