The final paper deals with banking operations and contains a detailed analysis of the supply of Lombard loans in Croatian banks based on certain criteria. The basic goal is to present the operations of banks in more detail and to see the differences in the offer based on Lombard loans on the example of ERSTE, Raiffeisen and Privredna banka Zagreb. In accordance with the subject and purpose of the final paper, the basic hypothesis is: "There is a difference in the supply of Lombard loans based on deposits in Croatian banks.". The scientific methods used are the deductive method, the descriptive method, the sample method, the analytical method and the comparative method. The focus of the final paper is on active banking operations,because on the basis of Lombard loans, which fall under short-term active banking operations, a detailed analysis of the loan offer in Croatian banks was performed. The criteria on the basis of which the analysis was performed are the loan currency, loan amount, interest rate, repayment period and fee for processing the loan application. In a representative example, criteria were met that meet all three banks in order to avoid the automatic elimination of the bank from the offer. Banks offer different opportunities in all criteria and thus become more or less competitive. Due to the selection of certain criteria, competition between banks is reduced to a minimum. Each criterion plays an extremely important role in competitiveness among banks. It is not necessary to choose a bank on the basis of one criterion, but it is necessary to summarize all components of the loan and on the basis of these data to choose the bank that best suits the user.