Basic financial statements of banks are the main source of information on business of a particular bank and are obligated to provide true and fair view of the business. The two most important bank's financial statements are balance sheet and income statement, then the cash flow statement and statement of changes in equity. It is important for them to be strictly controlled and regulated because they provide information on the bank's operations, both to internal and external users of banking services, and it is essential to be calculated the same way as to avoid making the wrong conclusion. Risks in bank operations can be divided into two groups and they are systemic and non-systemic risk. The most important general indicators of the bank's operations are: the number of banks, the total assests of banks, assets per employee, financial leverage and capital adequacy ratio. It has been determined that the number of banks decreased over the years, as the main reason for the decrease in total bank assets was a negative trend in net loans. Also, it has been established that the Croatian market is oligopolistic because the data from 2014 concludes that four major banks regulate the Croatian banking market. Analysing indicators of profitability, it was concluded that the most important indicators of bank profitability, ROA and ROE decrease through observed years, operating income increased through the years and banks have managed to improve the efficiency of its cost. Despite the bad trends of key performance indicators, Croatian banks continue to operate in a climate of stability.