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Banks Financial Statements

The document provides financial indicators for the Kosovo banking system as of December 31, 2023. It details total assets, loans, investments, deposits, profits, and other metrics for 11 banks. The largest banks are Raiffeisen Bank Kosovo, NLB Bank, and Banka Kombetare Tregtare. Total assets for all banks were over 7 billion Euros, with most of the assets in loans and investments.

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14 views

Banks Financial Statements

The document provides financial indicators for the Kosovo banking system as of December 31, 2023. It details total assets, loans, investments, deposits, profits, and other metrics for 11 banks. The largest banks are Raiffeisen Bank Kosovo, NLB Bank, and Banka Kombetare Tregtare. Total assets for all banks were over 7 billion Euros, with most of the assets in loans and investments.

Uploaded by

lirim.kryeziu90
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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Main Financial Indicators of Kosovo Banking System

31/12/2023

ASSETS LIABILITIES
No BANKS * Total Assets Loans (net) Investments in Securities Placement with banks Deposits Other liabilities Equity Capital
in EUR (000) in % ** in EUR (000) in % in EUR (000) in % in EUR (000) in % in EUR (000) in % in EUR (000) in % in EUR (000) in %
1 Raiffeisen Bank Kosovo 1,425,291 19.6% 925,540 19.5% 256,079 28.5% 32,253 6.8% 1,219,286 20.1% 31,407 8.9% 174,598 20.4%
2 NLB Bank 1,229,757 16.9% 831,333 17.5% 175,800 19.5% 68,267 14.5% 1,039,454 17.1% 40,636 11.5% 149,667 17.5%
3 Banka Kombëtare Tregtare 1,190,353 16.3% 606,788 12.8% 229,926 25.6% 167,207 35.5% 951,615 15.7% 114,411 32.4% 124,327 14.5%
4 ProCredit Bank Kosova 1,093,184 15.0% 729,774 15.3% 124,418 13.8% 23,289 4.9% 927,261 15.3% 47,363 13.4% 118,560 13.9%
5 TEB Bank 858,735 11.8% 598,078 12.6% 21,579 2.4% 108,838 23.1% 722,942 11.9% 20,352 5.8% 115,441 13.5%
6 Banka Ekonomike e Kosovës 609,139 8.4% 441,298 9.3% 10,608 1.2% 40,864 8.7% 537,202 8.8% 6,108 1.7% 65,829 7.7%
7 Banka Për Biznes 485,665 6.7% 325,128 6.8% 61,185 6.8% 21,347 4.5% 416,728 6.9% 15,420 4.4% 53,516 6.3%
8 Ziraat Bank 127,605 1.8% 91,457 1.9% 7,059 0.8% 4,004 0.8% 73,566 1.2% 31,235 8.8% 22,804 2.7%
9 IS Bank 120,403 1.7% 101,969 2.1% 7,039 0.8% 1,415 0.3% 83,915 1.4% 23,892 6.8% 12,596 1.5%
10 Credins Bank 79,069 1.1% 58,100 1.2% 6,034 0.7% 1,861 0.4% 47,753 0.8% 21,531 6.1% 9,785 1.1%
11 PriBank 66,574 0.9% 45,173 1.0% - 0.0% 2,105 0.4% 56,895 0.9% 969 0.3% 8,709 1.0%
TOTAL 7,285,775 100.0% 4,754,639 100.0% 899,726 100.0% 471,448 100.0% 6,076,617 100.0% 353,324 100.0% 855,833 100.0%

PROFIT & PERFORMANCE Banking Infrastructure


No BANKS * Total Income Net Profit (loss) ROA ROE Employees Branches
in EUR (000) in % ** in EUR (000) in % % % No. in % No. in %
1 Raiffeisen Bank Kosovo 88,013 24.8% 30,402 19.5% 3.0% 19.2% 948 23.9% 36 17.2%
2 NLB Bank 55,186 15.6% 35,966 23.1% 3.2% 27.3% 468 11.8% 33 15.8%
3 Banka Kombëtare Tregtare 47,861 13.5% 23,620 15.2% 3.1% 21.4% 466 11.7% 21 10.0%
4 ProCredit Bank Kosova 45,936 13.0% 22,537 14.5% 2.1% 21.0% 347 8.7% 11 5.3%
5 TEB Bank 52,819 14.9% 22,900 14.7% 2.8% 21.8% 608 15.3% 30 14.4%
6 Banka Ekonomike e Kosovës 28,932 8.2% 12,667 8.1% 2.2% 21.3% 432 10.9% 32 15.3%
7 Banka Për Biznes 23,294 6.6% 9,409 6.0% 2.1% 18.6% 413 10.4% 25 12.0%
8 Ziraat Bank 4,689 1.3% (2,416) -1.6% -1.9% -11.1% 47 1.2% 4 1.9%
9 IS Bank 3,783 1.1% 1,424 0.9% 1.1% 11.9% 34 0.9% 2 1.0%
10 Credins Bank 2,544 0.7% 128 0.1% 0.2% 1.4% 107 2.7% 7 3.3%
11 PriBank 1,532 0.4% (781) -0.5% -1.7% -8.6% 103 2.6% 8 3.8%
TOTAL 354,590 100.0% 155,855 100.0% - - 3,973 100.0% 209 100.0%

* Based on assets value listed in English.


** In percentage of total respective indicator of the banking system.

𝑅𝑂𝐴 = ((𝑃𝑟𝑜𝑓𝑖𝑡 𝑎𝑓𝑡𝑒𝑟 𝑡𝑎𝑥/𝐴𝑣𝑒𝑟𝑎𝑔𝑒 Assets)/6) ∗ 12


NOTE: All reportings are based on IFRS. This report is preliminary summary of the quarterly balance
sheets and income statement, which is published within 30 days without waiting for the opinion
of the external auditors, without prejudice to the obligation to publish the definitive audited 𝑅𝑂𝐸 = ((𝑃𝑟𝑜𝑓𝑖𝑡 𝑎𝑓𝑡𝑒𝑟 𝑡𝑎𝑥/𝐴𝑣𝑒𝑟𝑎𝑔𝑒 Equity)/6) ∗ 12
balance sheet and income statement within four months of the end of the financial year.

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