The Croatian National Bank has amended its previously published 2025 indicators on citizens’ deposits after a technical data acceptance error excluded around 137,000 accounts belonging to sole proprietors. Incorporating the omitted funds raised the year end total from EUR 38.77 billion to EUR 40.75 billion and revised annual deposit growth from 1.7% to 6.9%. The overall assessment remains unchanged, with deposit concentration continuing to decline. Nearly 3.5 million citizens held a positive account balance at the end of 2025, up 42,000 from a year earlier, compared with the initially reported increase of 29,000. Deposits rose across all deciles, with the top decile recording the largest absolute increase at EUR 1.53 billion, revised from EUR 113 million. The share held by the seventh through ninth deciles increased from 24.8% to 25.7%, while the top decile’s share fell by 0.95 percentage points. Within that group, the top 1% share declined from 28.6% to 27.9%, although its deposit amount increased by 4.4%. The indicators cover deposits held by resident natural persons and sole proprietors in transaction, savings and time accounts. They are not measures of overall wealth inequality because they exclude other financial assets, real estate and bank liabilities, and cannot aggregate holdings at the household level.
Croatian National Bank revises 2025 citizens’ deposit data upward by around EUR 2 billion and confirms declining concentration
The Croatian National Bank revised 2025 citizens’ deposit data after around EUR 2 billion held in approximately 137,000 sole proprietor accounts was omitted. Total deposits were raised to EUR 40.75 billion and annual growth to 6.9%. The revision confirms that deposit concentration declined, with the top 1% share falling from 28.6% to 27.9%.