Case Study: Zagrebačka Banka achieves 15% increase in cash loans within 18 months with Oracle Advanced Analytics

Zagrebačka Bank Increases Cash Loans by 15% Within 18 Months of Advanced Analytics Platform Deployment

Zagrebačka Banka (ZABA), the largest bank in Croatia and a UniCredit subsidiary serving over 1.1 million customers through 150 branches and 850 ATMs, needed to speed up and scale predictive analytics. Traditional statistical modeling and data preparation took days and required moving large volumes of sensitive data between systems, limiting agility for commercial targeting, model refreshes, and regulatory reporting.

ZABA deployed Oracle Advanced Analytics on Oracle Database (with Exadata, GoldenGate and Data Integrator) and migrated models from SAS to run in-database with Oracle R Enterprise. The change eliminated separate analytical servers, cut development and execution time by ~30%, saved about 1,000 IT man‑days per year, and improved model hit rates—driving a 15% increase in cash loans within 18 months—while enabling faster credit-risk scoring, better campaign targeting, and more timely regulatory compliance.

Zagrebačka Banka

Jadranka Novoselovic

Head of Business Intelligence Development