This gross profit is 14.4 percent or 320.5 million kuna higher than the gross profit made by the banks in the same period of 2010.
All lending institutions - 33 commercial banks and five housing savings banks - earned a gross profit of 2.56 billion kuna in the first six months, 313.4 million more than in the same period of last year.
Of the 33 commercial banks, 24 operated at a profit, while nine incurred losses in the amount of 67.3 million.
The total assets of the 33 banks at the end of June amounted to 397.3 billion kuna, 1.61 percent more than at the end of last year, and the assets of all lending institutions were 404.8 billion kuna, up 1.73 percent.
The average capital adequacy ratio of banks in Croatia is 18.94 percent, which is significantly higher than the prescribed minimum ratio of 12 percent.
Zagrebacka Banka (ZABA) had the highest gross profit in the first six months, amounting to 884.1 million kuna, around 222 million more than in the same period of last year.
Privredna Banka Zagreb (PBZ) followed with pre-tax profits in the amount of 615.2 million kuna, around 185 million more than in the same period of last year.
ZABA and the PBZ accounted for 58.9 percent of the total gross profit (34.7 and 24.2 percent respectively).
Raiffeisenbank Austria was third, with 337 million kuna, followed by Erste&Steiermaerkische Banka with 324.4 million kuna, Societe Generale-Splitska Banka with 140 million kuna, and Hypo-Alpe-Adria-Bank with 112.2 million kuna.
The six biggest banks, all foreign-owned, accounted for almost 95 percent of the total gross profit of all banks in Croatia.
The Croatian Postal Bank (HPB), owned by the Croatian state, earned 58.6 million kuna in pre-tax profits in the first six months, slightly more than in the same period of last year.
The HPB also increased its assets to 15.4 billion kuna, 4.45 percent more than at the end of 2010.
ZABA was again first in terms of assets, with 101.2 billion kuna (a share of 25%), up 5.27 percent.
The PBZ's assets on the last day of June amounted to 67.1 billion kuna (a share of 16.57%), a drop of 1.27 percent.
Erste&Steiermaerkische Banka's assets totalled 53.3 billion kuna, those of Hypo-Alpe-Adria-Bank amounted to 40.5 billion kuna, Raiffeisenbank Austria had assets worth 37.9 billion, and the assets of Societe Generale-Splitska Banka totalled 26.7 billion kuna.