The total financial assets of Croatian households reached €118.35 billion at the end of the third quarter of 2025, marking a 5 percent increase compared to the previous quarter and a year-on-year rise of 11.6 percent, according to data released on Friday by the Croatian National Bank (HNB).
Households continued to hold the largest share of their financial assets in cash and bank deposits, amounting to €50.3 billion. This was followed by insurance policies and pension savings worth €30.5 billion, while €28.7 billion was invested in equity and investment fund shares.
At the same time, household financial liabilities increased to €31 billion, up 2.3 percent compared to the end of June 2025, and 12 percent higher than a year earlier, representing an increase of €3.3 billion.
Despite the rise in liabilities, these trends resulted in a further strengthening of household balance sheets. The net financial worth of Croatian households rose to €87.9 billion, which is 6 percent higher than at the end of the second quarter of 2025 and 11.4 percent higher year-on-year, an increase of approximately €9 billion.
The figures underline continued growth in household wealth, supported by rising savings, investments, and long-term financial instruments, even as borrowing levels also increase.