At the Financial Market conference in Opatija, the Croatian Financial Services Supervisory Agency (Hanfa) used its keynote and panel contributions to argue that further development of Croatia’s capital market now depends on coordinated operational delivery rather than strategy alone. Hanfa Deputy President Anamarija Staničić said implementation will determine whether the market becomes genuinely competitive, stressing the need for alignment between the state, the regulator, market infrastructure, industry participants and issuers, and for reforms to reflect the financing needs of entrepreneurs. A panel on the first year of the Ministry of Finance’s 2025–2030 Strategic Framework said initial progress had been made through the launch of several initiatives, but also exposed a gap between planned measures and operational feasibility. Participants highlighted persistent structural constraints including complex administrative requirements, weak market liquidity and an imbalance between the supply of quality investment opportunities and investor demand. Discussion focused on planned measures such as tax-favoured investment accounts, the PutNaTržište regulatory sandbox and an IPO fund, with speakers also calling for a stronger IPO pipeline, better use of domestic savings currently held in deposits, and concrete measurable actions by the end of 2026.