This thesis analyses the financial statements of the two largest banks in Croatia, Zagrebačka banka d.d. (ZABA) and Privredna banka Zagreb d.d. (PBZ), for the period from 2022 to 2023, in order to determine their financial indicators, profitability, liquidity and economy of operations. The analysis shows that both banks recorded significant growth in assets, income and profitability during the observed period. ZABA increased its total assets and revenues more than PBZ, which indicates a more dynamic growth. Financial indicators indicate an improvement in the efficiency of operations at both banks, whereby ZABA achieved a significant increase in the gross and net profitability of assets and the profitability of own capital. In the area of non-interest activities, both banks recorded growth in net interest income and non-interest income margins, with PBZ maintaining a more stable source of income from fees and commissions. Liquidity analysis shows that both banks recorded growth in loans granted and deposits received, with PBZ showing a more aggressive approach to lending, which is reflected in a greater growth in the ratio of loans granted and deposits received. Investments in fixed assets increased slightly at both banks, while PBZ's capital increased and ZABA's decreased slightly, which points to different capital and liquidity management strategies. Overall, the results of this analysis indicate healthy competition and stability of the banking sector in Croatia. Both banks successfully respond to market challenges, increase their financial efficiency and record growth in profitability. ZABA stands out with higher absolute growth and improvement of key profitability indicators, while PBZ shows a more stable and conservative approach with effective cost management and stable sources of income.