Croatia حدودية
Europe · Zagreb · EUR (Euro)
نظرة عامة على الاقتصاد والصناعة
Croatia is an upper-middle-income EU member state with a highly service-oriented economy dominated by tourism, which contributed significantly to post-pandemic GDP recovery. The country adopted the euro in January 2023 and joined the Schengen Area in the same year, further integrating it with the European single market. Key industries include tourism, shipbuilding, food processing, pharmaceuticals, telecommunications, and energy. Nominal GDP reached approximately $92.5 billion in 2024, with GDP growth of 3.9% that year. The Zagreb Stock Exchange (ZSE) remains small relative to GDP, with total market capitalisation of approximately €50.3 billion at end-2024, heavily concentrated in a handful of large-cap names.
القطاعات الرئيسية
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| GDP اسمي، دولار | $92.53B |
| نمو GDP حقيقي، سنوي | 3.9% |
| التضخم سنوي | 3.9% |
| السكان نسمة | 3.9M |
| نصيب الفرد من GDP دولار | $23,380 |
| القيمة السوقية إجمالي المُدرج، دولار | $54.70B |
| القيمة السوقية / GDP | 59.1% |
| البطالة | 3.7% |
| الشركات المدرجة | 119 |
| البورصة | Zagreb Stock Exchange (ZSE) |
سنة البيانات: 2024. المصادر: IMF World Economic Outlook October 2024, World Bank national accounts data 2024, Zagreb Stock Exchange official statistics (zse.hr), Wikipedia – Economy of Croatia, Wikipedia – Zagreb Stock Exchange, CEOWORLD Magazine – Croatia largest companies by market cap 2024, Trading Economics – Croatia GDP, StatisticsTimes – Croatia GDP 2024, ExpatInCroatia.com – Golden Visa analysis (updated May 2024), Citizenx.com – Croatia Golden Visa analysis, Screenerhero – Croatian Stocks ZSE Guide.
آخر الأخبار
أكبر الشركات المدرجة
أكبر الشركات في البورصة المحلية الرئيسية بحسب القيمة السوقية.
| # | الشركة | القطاع | القيمة السوقيةدولار | الإدراج الأمريكي |
|---|---|---|---|---|
| 1 | Zagrebačka banka d.d.ZABA · ZSE | Banking | $9.34B | — |
| 2 | INA-Industrija nafte d.d.INA · ZSE | Energy / Oil & Gas | $4.75B | — |
| 3 | Hrvatski Telekom d.d.HT · ZSE | Telecommunications | $3.22B | — |
| 4 | Adris grupa d.d.ADRS · ZSE | Diversified / Tourism | $1.80B | — |
| 5 | Valamar Riviera d.d.RIVP · ZSE | Tourism / Hospitality | $1.40B | — |
| 6 | Atlantic Grupa d.d.ATGR · ZSE | Food & Beverages / Consumer Staples | $1.10B | — |
| 7 | Podravka d.d.PODR · ZSE | Food & Beverages | $900.00M | — |
| 8 | Privredna banka Zagreb d.d.PBZ · ZSE | Banking | $850.00M | — |
| 9 | Hrvatska Poštanska Banka d.d.HPB · ZSE | Banking | $620.00M | — |
| 10 | Croatia osiguranje d.d.CROS · ZSE | Insurance | $520.00M | — |
| 11 | KONČAR – Elektroindustrija d.d.KOEI · ZSE | Industrials / Electrical Equipment | $450.00M | — |
| 12 | Ericsson Nikola Tesla d.d.ERNT · ZSE | Information Technology / Telecommunications Equipment | $380.00M | — |
| 13 | Atlantska plovidba d.d.ATPL · ZSE | Transportation / Shipping | $300.00M | — |
| 14 | Tankerska plovidba d.d.TNPL · ZSE | Transportation / Shipping | $260.00M | — |
| 15 | Hrvatska brodogradnja – Jadranbrod d.d.HBJ · ZSE | Industrials / Shipbuilding | $180.00M | — |
| 16 | Ledo d.d.LEDO · ZSE | Food & Beverages | $160.00M | — |
| 17 | Jadranski naftovod d.d.JNAF · ZSE | Energy / Oil Transportation | $150.00M | — |
| 18 | Cromaris d.d.CMAR · ZSE | Food / Aquaculture | $120.00M | — |
| 19 | Jamnica d.d.JMNC · ZSE | Beverages | $110.00M | — |
| 20 | Kraš d.d.KRAS · ZSE | Food / Confectionery | $95.00M | — |
صناديق ETF المتداولة في الولايات المتحدة
صناديق مدرجة في الولايات المتحدة تتيح التعرض لهذا السوق — وهي أبسط مسار لكثير من المستثمرين الأمريكيين.
| رمز التداول | ETF | الجهة المصدرة | النطاق | نسبة المصاريف% سنوي | التعرض% من الصندوق |
|---|---|---|---|---|---|
| VGK | Vanguard FTSE Europe ETF | Vanguard | إقليمي | 0.09% | 0% |
| EMXC | iShares MSCI Emerging Markets ex China ETF | BlackRock iShares | الأسواق الناشئة الشاملة Reference only | 0.25% | 0% |
| GUR | SPDR S&P Emerging Europe ETF | State Street Global Advisors (SPDR) | إقليمي Delisted | 0.30% | 0% |
| EWU | iShares MSCI United Kingdom ETF | BlackRock iShares | إقليمي Reference only | 0.50% | 0% |
البورصة المحلية وإمكانية الوصول
| البورصة | Zagreb Stock Exchange |
| الرمز | ZSE |
| الموقع الإلكتروني | zse.hr/en |
| العملة | EUR |
وصول الوسطاء المحليين
Croatian equities are traded on the ZSE in EUR. International retail investors typically access ZSE-listed stocks through European brokers offering access to regional exchanges (e.g., Interactive Brokers, Erste Group, Privredna banka Zagreb brokerage, Raiffeisen Bank). Liquidity is thin outside the CROBEX10 constituents; many stocks trade under €50,000/day. There are no US-listed single-country Croatia ETFs; the most practical direct access is via a broker with ZSE connectivity or via broad EM/frontier funds with Croatian exposure.
وسطاء عالميون مع إمكانية الوصول إلى الأسواق الأجنبية
- Interactive Brokers — Direct access to 90+ markets worldwide, including many emerging exchanges.
- Saxo Bank — Multi-market access across Asia, Europe and the Middle East.
- Charles Schwab (Global) — Foreign ordinary shares on select markets; US-listed ADRs and ETFs.
- Fidelity International Trading — International stock trading on a number of developed and emerging markets.
مُدرَج للتسهيل فقط — وليس توصية. تختلف الأسواق المتاحة والرسوم وقواعد الإعداد بحسب الوسيط وبلد إقامتك.
الانتقال والإقامة
تأشيرة الاستثمار / برنامج الإقامة
المنح No formal investment-migration programme
Croatia does not operate a formal Golden Visa or citizenship-by-investment programme. Standard temporary residence permits are available to non-EEA nationals who can demonstrate sufficient income (approximately €2,500/month per person) or who establish a company in Croatia (minimum ~€25,000 investment with at least 3 local employees hired). After five years of legal residence, permanent residence may be applied for; after eight years, citizenship eligibility may arise. These are standard immigration pathways, not dedicated investment-migration programmes.
هل تحتاج إلى مساعدة في التقديم؟ يمكن لمستشاري الهجرة الاستثمارية المتخصصين، مثل Henley & Partners.
وصول المستثمرين الأجانب
Croatia is an EU and Schengen member state. EU/EEA citizens move freely without permits. Non-EEA nationals may obtain temporary residence via employment, self-sufficiency (proof of income ~€2,500/month), or business formation. The Digital Nomad Visa (introduced 2021) allows remote workers to reside up to one year (renewable). Croatia's tax system offers favourable treatment for certain foreign-sourced income. Cost of living is lower than Western European averages.
عقود ADR والإدراجات المزدوجة في الولايات المتحدة
شركات من هذه الدولة تتداول أسهمها أيضًا في الولايات المتحدة — قابلة للاستثمار عبر حساب وساطة أمريكي عادي.
| الشركة | رمز التداول الأمريكي | رمز التداول المحلي | ملاحظة |
|---|---|---|---|
| Hrvatski Telekom d.d. | HT | HT has no formal US-listed ADR. Deutsche Telekom (parent, ~53.5% stake) trades on US OTC markets as DTEGY, providing indirect exposure to HT's operations. | |
| INA-Industrija nafte d.d. | INA | INA has no US ADR. MOL Group (co-controlling shareholder) trades on OTC markets as MGYOY, providing indirect exposure to INA's operations. | |
| Zagrebačka banka d.d. | ZABA | ZABA has no US ADR. Parent UniCredit S.p.A. trades on OTC markets in the US as UNCFF, providing indirect exposure. |