The 28th scientific and professional conference Financijsko tržište 2025, organized by the Croatian Banking Association (Hrvatska udruga banaka), took place in Opatija on May 22 and 23. Once again, the event gathered numerous experts from the financial and economic sectors. Our participation in this important event provided an opportunity to exchange knowledge, follow current trends and contribute to the ongoing dialogue about the future of the financial market.

Over the course of two days, the conference addressed key macroeconomic challenges shaping both the domestic and global financial landscape. Particular focus was placed on adapting to new regulatory requirements, the digitalization of services and the development of capital markets.

The first day focused on the role of banks as engines of economic growth, with discussions centering on lending, investment and upcoming regulatory measures. It was noted that a certain slowdown in lending activity is expected, alongside adjustments aimed at more sustainable and balanced development.

The second day focused on strategic directions for the development of the capital market up to 2030. Specific initiatives were presented to support stronger regional integration, broader involvement of institutional and retail investors, and greater public interest in capital market participation. Participants also discussed the challenges of implementing European regulations and the need to balance digital transformation with a personalized approach to clients.

Despite the unusually cloudy weather for late May in Opatija, the conference atmosphere remained dynamic and constructive. A shared conclusion was that the Croatian banking sector continues to demonstrate strong stability, openness to innovation, and responsibility in adopting new technologies and responding to market trends.

We thank the organizers, speakers, and all participants for a well-executed conference, and we look forward to continued collaboration in the years to come.