Elsewhere in CEE, German and Austrian banks don't have the monopolistic dominance they have in Croatia to be perceived as executing a takeover, with or without identification with their home countries. For example in Hungary, the largest bank is domestic, the second largest is owned by KBC of Belgium, the third largest by Intesa Sanpaolo of Italy, only then do the subsidiary of a Bavarian bank and Raiffeisen, Erste (both Austrian) follow (and I'm with the 9th which is owned by GE). In the Czech Republic, the big three belong to KBC, Erste and Société Générale of France. In Poland, a domestic bank and one owned by Italian UniCredit are followed by Commerzbank, Raiffeisen is 10th, the others in the top 10 have various owners from Portugal to Ireland.

On the other hand, Raiffeisen has the worst customer service fame in Hungary, and Erste Bank got some fines and court orders too.

_{*Lunatic*, n.
One whose delusions are out of fashion.}