This graduate work consists of six sections. In the first chapter of the work or the introduction, we define the problem and the subject of this paper. For the end of the introductory part we define research methods that were used and the contribution that we can provide this research. In the second chapter we will try to be a little more familiar with the general state of the banking sector and their business. We will define the bank's general terms, we will also show the books that are used in business, we will briefly define and explain the Bank's bodies and we show a chart of accounts that banks have to prepare. Closer we get to meet bank capital and bank loans in the degree of risk. The third chapter will cover the basic financial statements, reporting their legal framework, which will show the criteria of small, medium and large businesses compiler of the basic financial statements. Conceptually, we define the basic financial statements, to determine the objectives of financial reporting, types of financial statements and to demonstrate that possible manipulation of financial statements. In the fourth chapter, we will explain the fundamental group of financial indicators, indicators of relations in the bank's balance sheet, the parameters of the relationship in the income statement, profitability indicators and indicators of investment. In this chapter, indicators will be defined theoretically, and will be analyzed in a practical example. The fifth chapter provides an analysis of operations PBZ d.d. in the period from 2010 to 2014. We will meet with some of the information on the operations PBZ d.d. Will be carried out horizontal and vertical analysis of the balance sheet and income statement, and will compare operations PBZ d.d. with the rest of the banking sector in Croatia. Chapter Six brings a conclusion to which we will briefly describe the situation after the completion of the analysis of operations PBZ d.d.