Business Bank Credit Access Statistics in Croatia (2026)
As of the 2023 data, 39.2% of firms in Croatia had a bank loan or line of credit, per World Bank World Development Indicators. Up from 36.6% in 2019 to 39.2% in 2023 (+2.5 percentage points). Croatia ranks #29 of 43 economies in Europe & Central Asia on this measure, and #60 of 145 globally.
Key Statistics
- Latest value (2023)
- 39.2% (2023)
- Business Bank Credit Access in Croatia as of 2023, the most recent observation in World Bank World Development Indicators data.
- Change since 2019
- +2.5 pp (2023)
- Up from 36.6% in 2019 to 39.2% in 2023 (+2.5 percentage points).
- Earliest value in this dataset (2007)
- 67.3% (2007)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 67.3% in 2007 to 39.2% in 2023.
- Peak value (2007)
- 67.3% (2007)
- Highest value in the available series; the 2023 value is 39.2%.
- Rank in Europe & Central Asia
- #29 of 43 (2023)
- Croatia ranks 29 of 43 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #60 of 145 (2023)
- Croatia ranks 60 of 145 countries with data globally.
- Europe & Central Asia average
- 44.8% (2023)
- Croatia (39.2%) is below the average of 44.8% across the 43 countries in Europe & Central Asia with data.
- Firms using banks to finance working capital (% of firms) (2023)
- 29.5% (2023)
- Related indicator from World Bank World Development Indicators.
- Firms using banks to finance investment (% of firms) (2023)
- 30.9% (2023)
- Related indicator from World Bank World Development Indicators.
- Internet use in Croatia (2024)
- 83.6% (2024)
- 83.6% of the population in Croatia used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 3.9 million (2024)
- Croatia had a population of 3.9 million in 2024 (World Bank); shown for scale only.
Trend, 2007–2023
| Year | % of firms | Change |
|---|---|---|
| 2023 | 39.2% | +2.5 pp |
| 2019 | 36.6% | −16.5 pp |
| 2013 | 53.1% | −14.2 pp |
| 2007 | 67.3% | — |
Frequently asked questions
What share of firms in Croatia had a bank loan or line of credit?
39.2% of firms in Croatia had a bank loan or line of credit in 2023, according to World Bank World Development Indicators data.
How has business bank credit access in Croatia changed over time?
World Bank World Development Indicators data show a decline from 67.3% in 2007 to 39.2% in 2023.
How does Croatia compare with other countries in Europe & Central Asia?
Croatia ranks 29 of 43 countries in Europe & Central Asia with data, with 39.2% versus a regional average of 44.8% (latest values per country).
Where does Croatia rank globally on business bank credit access?
Croatia ranks 60 of 145 countries with data globally, based on the latest World Bank World Development Indicators value for each country.
Source & methodology
Source: World Bank, World Development Indicators, indicator
IC.FRM.BNKL.ZS, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .