Erste & Steierm�rkische Bank (ESB) is banking on the fiduciary habits of native Croatians. The Croatia-based bank is a part of Erste Bank, and it caters to individuals and small- and medium-sized businesses through more than 125 branches in Eastern Europe. Service and products include Internet banking for retail and corporate clients, personal finance, business lending, savings and investments, payment services, and credit cards. ESB is focused on increasing its corporate client roster in order to boost deposits. The bank also is improving its online operations in order to draw in customers and increase transactions.