Formal Borrowing Statistics in Croatia (2026)
37.8% of adults in Croatia borrowed from a formal financial institution in 2024, World Bank Global Findex data show. Up from 33% in 2021 to 37.8% in 2024 (+4.7 percentage points). Croatia ranks #17 of 46 economies in Europe & Central Asia on this measure, and #31 of 142 globally.
Key Statistics
- Latest value (2024)
- 37.8% (2024)
- Formal Borrowing in Croatia as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +4.7 pp (2024)
- Up from 33% in 2021 to 37.8% in 2024 (+4.7 percentage points).
- Earliest value in this dataset (2014)
- 41.8% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 41.8% in 2014 to 37.8% in 2024.
- Peak value (2014)
- 41.8% (2014)
- Highest value in the available series; the 2024 value is 37.8%.
- Rank in Europe & Central Asia
- #17 of 46 (2024)
- Croatia ranks 17 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #31 of 142 (2024)
- Croatia ranks 31 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- Croatia (37.8%) is above the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 35.9% (2024)
- Value for women in Croatia, same 2024 World Bank Global Findex data.
- Among men (2024)
- 39.9% (2024)
- Value for men in Croatia, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −4 pp (2024)
- In 2024, the figure was 35.9% for women and 39.9% for men — 4 percentage points lower among women.
- Among the poorest 40% (2024)
- 31.8% (2024)
- Value for adults in the poorest 40% of households in Croatia in 2024.
- Poorest-40% gap vs national
- −6 pp (2024)
- The poorest 40% (31.8%) are 6 percentage points below the national figure (37.8%).
- 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, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 37.8% | +4.7 pp |
| 2021 | 33% | −5.0 pp |
| 2017 | 38.1% | −3.7 pp |
| 2014 | 41.8% | — |
Frequently asked questions
What share of adults in Croatia borrowed from a formal financial institution?
37.8% of adults in Croatia borrowed from a formal financial institution in 2024, according to World Bank Global Findex data.
Where does Croatia rank globally on formal borrowing?
Croatia ranks 31 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Is there a gender gap in formal borrowing in Croatia?
Yes — in 2024 the figure was 35.9% for women and 39.9% for men, a gap of 4 percentage points in favor of men.
When did formal borrowing in Croatia peak?
The highest value in the available series was 41.8% in 2014; the latest (2024) value is 37.8%.
How recent is the formal borrowing data for Croatia?
The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for Croatia.
Source & methodology
Source: World Bank Global Findex, indicator
fin22a, 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 .