The improvement of the loss-absorbing capacity of systemically important institutions is a preventive macroprudential tool aimed at limiting contagion that might arise from insolvency or stress situations in general for systemically important institutions. Global systemically important institutions (G-SIIs) are identified by the Financial Stability Board of the G20 members in cooperation with the Basel Committee on Banking Supervision and national authorities, while other systematically important institutions (O-SIIs) are identified by the designated national authorities. There are no G-SIIs in Croatia.
The capital buffer for other systematically important institutions (O-SII buffer) is governed by Article 138 of the Credit Institutions Act. The CNB reviews the list of other systemically important institutions and the prescribed capital buffer rates once a year. The systemic importance of an O-SII credit institution is determined by its size, position in the Croatian and EU banking systems, the size of its cross-border activities and its interconnectedness or the interconnectedness of the banking group the institution belongs to with the rest of the financial system. Currently, seven O-SII credit institutions operate in Croatia, whose capital buffer rates for 2025 are shown in the table below.
Other systemically important credit institutions in the Republic of Croatia
| O-SII credit institution | Buffer rate (%) |
| Zagrebačka banka d.d., Zagreb | 2.50 |
| Privredna banka Zagreb d.d., Zagreb | 2.00 |
| Erste&Steiermärkische Bank d.d., Rijeka | 2.00 |
| Raiffeisenbank Austria d.d., Zagreb | 1.50 |
| OTP banka Hrvatska d.d., Split | 1.50 |
| Hrvatska poštanska banka d.d., Zagreb | 1.00 |
| Addiko Bank d.d., Zagreb | 0.25 |