摘要：At the end of 2011, there were 37 credit institutions operating in the Republic of Croatia: 31 banks, one savings bank and five housing savings banks.1 Their assets, according to unconsolidated audited data for end-2011, stood at HRK 414.8bn, with bank assets (including the savings bank) accounting for the bulk or 98.2% of these assets, while the assets of housing savings banks accounted for the remaining 1.8%. For the purposes of this analysis, banks have been divided into three peer groups (large, medium-sized and small banks)2, while housing savings banks, due to their specific nature, are treated as a separate group.
