The foreign exchange market in Croatia deals with buying and selling foreign currency, adjusting exchange rates, and managing the country's reserves. Its main goal is to ensure enough money for international transactions. Participants include banks, importers, exporters, and specialized entities. Activities on the market include currency trading, interbank deposits, and risk reduction operations. Instruments used include transfers, bills of exchange, and checks. The market helps maintain liquidity, hedge against risks, and earn income from currency fluctuations.