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Croatia´s Banking Sector Remains Competitive
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The Croat legal system is perceived as major weakness. Credit demand is going down for years.

“Croatian cities and villages are served by both foreign –mainly Italian and Austrian – and domestic universal banks serving a broad client spectrum. Foreign bank subsidiaries are regarded as strong competitors in the retail, small and medium-sized enterprise (SME) and large corporate segments. Most parent banks set explicit credit growth targets…
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