the contemporary world, the banking system is a key factor to the economic development of every country. That is one of the reasons why this final work seeks to explain the very concept of the banking system and its most important functions. The role of banking is significant, and the state of the economy is clearly reflected in bank operations. It is well known that a bank is a profit organization whose main task is providing financial services. The importance of the Croatian banking system, which has been developing more rapidly, has been highlighted, which is why banks have found new ways of accumulating capital. Following that is an explanation of the division of banking activities and their most important characteristics. Today, many banks approve consumer credits, therefore the offer of these loans will be shown in the research part. In the world around us, where we live and work, credit is a commodity that has its market and price. This study conducted an analysis of the supply of consumer credits at Zagrebačka banka Zagreb d.d., OTP banka and Privredna banka Zagreb d.d. Interest rates and loan repayment dates should be taken into account when taking out a loan. Credit insurance instruments depends on the type and maturity of the loan, and banks set acceptable instruments, taking into account the company’s credit standing. The previous large chapter concludes this work, followed by an overall conclusion.