Visão geral da economia e do setor
Croatia is a high-income EU member state with a diversified economy anchored by tourism, manufacturing, energy, and financial services. Tourism alone accounts for an estimated 20–25% of GDP, driven by the Adriatic coastline and the historic Dalmatian cities. The country adopted the euro in January 2023 and joined the Schengen Area simultaneously, strengthening its integration into the European single market. Key industries include shipbuilding, chemicals, food and beverages, ICT services, and construction materials. EU structural and cohesion funds continue to support infrastructure modernisation and energy transition investments.
Setores-chave
Saiba tudo sobre Croatia →Macro
| PIB nominal, USD | $92.53B |
| Crescimento do PIB real, anual | 3.9% |
| Inflação anual | 2.5% |
| População pessoas | 3.9M |
| PIB per capita USD | $23,931 |
| Capitalização de mercado total cotado, USD | $52.81B |
| Cap. de mercado / PIB | 57.1% |
| Desemprego | 5.0% |
| Empresas listadas | 119 |
| Bolsa | Zagreb Stock Exchange (ZSE) |
Ano dos dados: 2024. Fontes: World Bank National Accounts Data (2024), IMF World Economic Outlook (October 2024), Zagreb Stock Exchange (ZSE): Market Capitalization Report (31 Dec 2024), Wikipedia: Zagreb Stock Exchange (Jul 2025 listings figure), US State Department: 2024 Investment Climate Statements: Croatia, Eurostat: Labour Force Survey (2024), European Commission: 2024 Economic Forecast for Croatia, CitizenX / Expat in Croatia: Golden Visa analysis (2024–2026), FocusEconomics: Croatia Country Report (2024), Macrotrends: Croatia GDP Historical Data. Individual figures may cover different reference periods — for example a fiscal year, or an estimate for the current year — and the overview above states these where known.
Figures carried over — the latest scheduled refresh could not update this record.
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Maiores empresas listadas
As maiores empresas da principal bolsa local, por capitalização de mercado.
| # | Empresa | Setor | Capitalização de mercadoUSD | Listagem nos EUA |
|---|---|---|---|---|
| 1 | Hrvatski Telekom d.d.HT · ZSE | Telecommunications | $3.90B | — |
| 2 | Zagrebačka banka d.d.ZABA · ZSE | Financial Services | $3.20B | — |
| 3 | INA-Industrija nafte d.d.INDA · ZSE | Oil & Gas | $2.10B | — |
| 4 | Valamar Riviera d.d.RIVP · ZSE | Tourism & Hospitality | $1.60B | — |
| 5 | Adris Grupa d.d.ADRS2 · ZSE | Diversified (Tourism / Insurance / Food) | $1.40B | — |
| 6 | KONČAR – Elektroindustrija d.d.KOEI · ZSE | Industrials / Electrical Engineering | $950.00M | — |
| 7 | Atlantic Grupa d.d.ATGR · ZSE | Food & Beverages | $920.00M | — |
| 8 | Ericsson Nikola Tesla d.d.ERNT · ZSE | Information Technology | $620.00M | — |
| 9 | Podravka d.d.PODR · ZSE | Food & Beverages | $530.00M | — |
| 10 | KONČAR – Distributivni i specijalni transformatori d.d.KODT · ZSE | Industrials / Manufacturing | $480.00M | — |
| 11 | Croatia osiguranje d.d.CROS · ZSE | Insurance | $420.00M | — |
| 12 | Arena Hospitality Group d.d.ARNT · ZSE | Tourism & Hospitality | $390.00M | — |
| 13 | Jadrolinija d.d.JDRL · ZSE | Transport (Ferries) | $210.00M | — |
| 14 | Dalekovod d.d.DLKV · ZSE | Industrials / Energy Infrastructure | $175.00M | — |
| 15 | HUP-Zagreb d.d.HUPZ · ZSE | Tourism & Hospitality | $130.00M | — |
ETFs negociados nos EUA
Fundos listados nos EUA que oferecem exposição a este mercado, a rota mais simples para muitos investidores americanos.
| ETF | Escopo | Taxa de administração% anual | Exposição% do fundo |
|---|---|---|---|
| VGKVanguard FTSE Europe ETF · Vanguard | Regional | 0.09% | 0% |
| GURSPDR S&P Emerging Europe ETF · State Street Global Advisors (SPDR) | Regional Delisted Reference only | 0.45% | 0% |
| FMiShares MSCI Frontier and Select EM ETF · BlackRock iShares | EM amplo Reference only | 0.79% | 0% |
Bolsa local e acesso
| Bolsa | Zagreb Stock Exchange |
| Código | ZSE |
| Site | zse.hr/en |
| Moeda | EUR |
Acesso por corretoras locais
Croatian equities are traded in euros on the Zagreb Stock Exchange (ZSE). Direct access for international retail investors is limited; most foreign investors gain exposure through European brokers with access to the ZSE, or through regional frontier/emerging-market funds. Interactive Brokers and some European online brokers offer ZSE access. Settlement follows a T+2 cycle. There are no dedicated US-listed single-country Croatia ETFs; exposure is obtained through broader Southeastern European or frontier-market funds.
Corretoras globais com acesso a mercados estrangeiros
- 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.
Listado apenas por conveniência, não constitui recomendação. Mercados disponíveis, taxas e regras de cadastro variam por corretora e pelo seu país de residência.
Relocalização e residência
Visto por investimento / programa de residência
Concessões No formal investment-migration programme
Croatia does not operate a formal Golden Visa or residence-by-investment programme. No fixed investment threshold grants automatic residency. Third-country nationals may obtain a temporary residence permit by demonstrating sufficient income (approximately €2,500/month per person in 2024) and holding health insurance. Business formation or property ownership can support a residency application but are not themselves an automatic entitlement. After five years of continuous legal residence, permanent residency may be sought; Croatian citizenship requires a minimum of eight years of continuous lawful residence.
Precisa de ajuda para candidatar-se? Consultores especializados em migração por investimento, como Henley & Partners.
Acesso para investidores estrangeiros
Croatia joined the Schengen Area and adopted the euro in January 2023. EU/EEA citizens may reside freely; non-EU nationals must obtain a temporary residence permit. A 'digital nomad' long-stay visa (up to one year, renewable) was introduced in 2021 for non-EU remote workers meeting income thresholds. Croatia's cost of living is below the EU-27 average, particularly outside Zagreb and coastal tourist centres.
ADRs e cruzamentos listados nos EUA
Empresas deste país cujas ações também são negociadas nos EUA, investíveis em uma corretora americana comum.
| Empresa | Ticker nos EUA | Ticker local | Observação |
|---|---|---|---|
| Atlantic Grupa d.d. | ATGR | No US-listed ADR identified. Shares trade solely on the ZSE. International investors must access the Croatian market directly through brokers with ZSE connectivity. | |
| Hrvatski Telekom d.d. | HT | No US-listed ADR or OTC cross-listing identified. Shares trade exclusively on the Zagreb Stock Exchange (ZSE) in euros. | |
| Podravka d.d. | PODR | No US-listed ADR identified. Shares trade on the ZSE. Some institutional exposure available via European depositary structures. |