In order to finance and develop their businesses with the purpose of the survival and development and expansion of the business, banks need to put their focus on fundraising which represents the most important activity in banks’ operations. What is characteristic for the banking operations is the fact that the banks’ products offer is created according to the types of sources of funds. Although all the banks in the Republic of Croatia, in principle, use the same sources of funds, the share of each source of funds can vary from bank to bank, which ultimately means that each bank has a different offer on the market for different target groups of its consumers. Deposits are the most important source of financing of Croatian banks. The deposits are followed by capital and borrowings. Issuing of securities is not significant among sources of funding of banks operating in Croatian banking sector. In this study analysis of resource sources on the example of two banks, Zagrebačka banka d.d. and Sberbank d.d. was conducted. From the analysis given in this study above it is evident that Zagrebačka banka d.d has a lower share of savings and time deposits and a smaller share of received loans compared to Sberbank d.d. Regarding securities, they were issued by Zagrebačka banka d.d. whereas Sberbank d.d. it is not at all. This analysis demonstrates that the share of forms and types of individual sources of funds, consisting of the financial structure of banks, is reflected in a different approach to their financing and business.