KentBank d.d., a domestic bank within the Süzer Group, presented its business results for 2025, which were marked by record financial indicators, continued strong market growth, a significant step forward in digital transformation, and investments in technological development and socially responsible business. KentBank continued to grow faster than the market in 2025 and further strengthened its position in the Croatian banking sector. The Bank’s total assets reached EUR 935 million, representing a growth of 13 percent compared to the previous year, while the market share increased to 1.03 percent, further strengthening KentBank’s position as the eighth largest bank in Croatia.
In 2025, the Bank also achieved the highest profit in its history in the amount of almost EUR 10 million, with a growth in total operating income of 7 percent year-on-year. Total exposure through loans increased by 12 percent and reached EUR 714 million, while deposits grew by 14 percent, confirming balanced and sustainable business growth.
“The results we achieved in 2025 confirm that Kent Bank is becoming an increasingly relevant participant in the Croatian banking market. These figures are the result of long-term strategic decisions to grow in a disciplined manner, invest in people and technology, and build a bank that brings concrete value to clients. Our ambition is to be a bank that clients recognize for its simplicity, quality of relationships, and ability to turn innovations into real benefits for their daily lives and businesses,” said Hasan Ecesoy, CEO of KentBanka.
The Bank’s growth was achieved while maintaining the high quality of its portfolio and business stability. The share of non-performing loans was reduced to 1.8 percent, while the total capital ratio was 20.7 percent. Special emphasis was placed on digital transformation during 2025. The Bank launched the KentPro application, the first mobile application on the Croatian market that allows users to connect private and business accounts in one place, including accounts opened in other banks, in accordance with PSD2 standards.Along with the application, the KentPro package was also presented with a transparent model without fees for account management, mobile banking and payment transactions, whereby the Bank further simplifies the user experience and increases the availability of digital services. The innovativeness of the KentPro application was not only recognized by the Bank’s clients, which is confirmed by the MIXX award won in the Best Digital Product category at this year’s Days of Communication.
“Today, clients expect simplicity, speed and an experience tailored to their real needs. This is precisely why we do not view digital transformation as a separate technological project, but as a tool that must have concrete value for the user. KentPro provides entrepreneurs and citizens with a better overview of finances, saves time and simplifies daily money management, while at the same time maintaining a personal relationship, expertise and quality of advice,” said Ivan Babić, member of the Management Board of KentBank.
As part of its technology strategy, KentBank made a decision in 2025 to take full ownership of its core banking system and continue its internal development. At the same time, the software development and digital transformation team was further expanded, thereby strengthening the Bank’s technological independence, operational flexibility and capacity for faster introduction of new products and services. KentBank continued to invest in the development of the physical branch network. During 2025, the branches in Osijek and Slavonski Brod were renovated according to the Bank’s new visual and functional concept, while the total network today includes 17 branches and business centers across Croatia. The number of employees increased by 4 percent compared to the previous year.
In parallel with business growth, the Bank continued to develop the KentClub concept – a premium space intended for clients who use KentClub packages. After Zagreb, KentClub was opened in Osijek in 2025, further strengthening the Bank’s presence in the segment of clients who seek more than a standard banking relationship. In addition to business and technological results, KentBank continued to invest in socially responsible projects. Through the Festival of Ideas 2025, entitled “Ideas That Matter in the Real World”, the Bank provided support to teams and projects focused on sustainability, energy efficiency, advanced technologies and improving the quality of life.
“Strong growth has value only if it is sustainable in the long term and built on a stable foundation. We are particularly proud that we have achieved the development of the Bank while preserving the high quality of the portfolio, a strong capital position and responsible risk management. In today’s banking environment, innovation and security must go together, because clients expect from a modern bank not only a quality digital experience, but also trust, stability and security of their data and funds,” said Nikolina Cvitanović, member of the KentBank Management Board. KentBank continues to implement a strategy focused on stable growth, digital transformation and the development of simple, transparent and accessible financial solutions, with continuous investments in people, technology and sustainable development.