Erste&Steiermarkische Bank d.d. (Erste Bank Croatia) is a leading financial institution in Croatia, part of the Erste Group. It offers a range of services including cash accounts, lending, guarantees, and e-banking solutions[3][4]. The bank serves over 1 million clients through 111 branches and 619 ATMs[5]. Its target audience includes retail and corporate clients. The unique selling proposition is its strong focus on innovation, customer service, and digital development, supported by its membership in the Transaction Banking Competence Centre[3][4]. This enables efficient cross-border operations and tailored financial solutions for its clients.