Erste & Steiermärkische Bank d.d. (ESB) is one of Croatia's largest banking institutions and a member of the Erste Group, a major financial services provider in Central and Eastern Europe. Established in its modern form through the merger of Riječka banka and the original Erste & Steiermärkische Bank in 2003, the bank has a long history in the region. ESB operates as a universal bank, offering a comprehensive suite of products and services, including retail banking (accounts, loans, cards), corporate banking, investment services, and asset management, with a strong focus on digitalization and innovation in its customer offerings.