Banking Market Intelligence · Kosovo

Source institution	Kosovo Banking Association (KBA) — publicly available statistics
Balance sheet periods	—
P&L period	Q1 2026 — cumulative January–March 2026 (YTD)
Source file	Market Share March 2026 - Trend.xlsx
Banks covered	—
Time series depth	—
Categories tracked	—
Error handling	#DIV/0!, #N/A, blanks → converted to null → displayed as N/A, excluded from averages

Market Share	Bank value / Total sector value × 100
Period-on-period movement	Current period share − Previous period share (percentage points)
Gap to leader	Leader share − Focus Bank share (percentage points)
Profitability quality gap	Profit market share − Asset market share (percentage points)
Cost of Deposits (annualized)	|Interest Expense| / Total Deposits × 100 × (12 / periodMonths) periodMonths = calendar month of selected date. Dynamic.
ROA (annualized)	Net Profit × (12 / periodMonths) / Total Assets × 100
ROE (annualized)	Net Profit × (12 / periodMonths) / Total Equity × 100
Loan-to-Deposit Ratio	Gross Loans / Total Deposits × 100
HHI (Assets)	Σ (asset market share of bank i)² for all i < 1,000 = unconcentrated; 1,000–1,800 = moderate; > 1,800 = high
Top-N concentration	Sum of top-N banks' asset market shares
CASA Ratio	(Current Account + Savings Deposits) / Total Deposits × 100
Cost-to-Income Ratio (CIR)	|Operating Expenses| / Total Net Income × 100 Total Net Income = Net Interest Income + Net Fee Income (+ Other Operating Income, where available). If the source field is unavailable, Total Net Income ≈ NII + Net Fee — flagged as Data caution.
Profitability Quality Gap	Net Profit Market Share − Asset Market Share Strategic positioning metric, not a regulatory ratio.

Note: Internal HHI thresholds are dashboard indicators, not legal/regulatory determinations. Market shares with missing values are excluded from numerator and denominator (not treated as zero).

Day gap between consecutive periods determines label:

≤ 45 days	MoM — Month-on-Month (typical for monthly reporting Oct 2025+)
46–100 days	QoQ — Quarter-on-Quarter (typical for quarterly reporting)
> 100 days	vs Prev — vs Previous Period

Segment-level movements, especially between housing loans and consumer loans, should be interpreted with caution. Peer banks may apply different classification criteria, and reclassifications may occur periodically without corresponding real business shifts.

Where unusual period-on-period movements (>2 percentage points) are detected in these segments, the dashboard flags a Data Caution indicator. Sector-level totals (Gross Loans, Total Deposits, Total Assets) are unaffected.

Bank identities in charts use colors approximated from each institution's public branding. These are visual identifiers only and are not endorsed by the banks. The dashboard brand identity (Fintech Humans Intelligence Lab) is independent and uses the neutral navy / charcoal / gold palette.

RBKO — Raiffeisen Bank Kosovo	Raiffeisen yellow + dark gray/black (high confidence)
NLB Banka	NLB indigo + cool gray + white (high confidence)
TEB	BNP Paribas green family (high confidence)
BPB — Banka për Biznes	Orange logo with warm gray text (medium confidence)
BKT — BKT Kosova	BKT red with neutral gray (medium confidence)
PCB — ProCredit Bank	Red wordmark with multicolor globe system (high-medium confidence)
BEK — Banka Ekonomike	Red and black logo identity (medium confidence)
ZRB — Ziraat Bank Kosova	Ziraat red identity (medium confidence)
PRB — PriBank	Purple PriBank identity (medium confidence)
CRB — Credins Bank Kosova	Credins purple/yellow/gray identity (medium confidence)

• P&L data represents Q1 2026 (3-month YTD) — not comparable to full-year figures without annualization.
• NPL, CAR, LCR, and Coverage Ratio are sourced from regulatory/profitability snapshot data, not the KBA balance sheet time series.
• Profit market share for early periods uses YTD snapshot only — trend comparisons may differ in depth.
• This dashboard is a market intelligence tool. It does not constitute financial advice, investment recommendation, or regulatory opinion.
• Data is sourced from public KBA statistics. Individual bank disclosures may differ.

Balance Sheet vertical analysis ratios:

Loans / Total Assets	Gross Loans / Total Assets
Securities / Total Assets	Securities / Total Assets
Deposits / Total Assets	Total Deposits / Total Assets
Corporate Loans / Gross Loans	Corporate Loans / Gross Loans
Retail Loans / Gross Loans	Retail Loans / Gross Loans
Consumer Loans / Retail Loans	Consumer Loans / Retail Loans
Housing Loans / Retail Loans	Housing Loans / Retail Loans
CASA Ratio	(CA Deposits + Savings Deposits) / Total Deposits
LTD Ratio	Gross Loans / Total Deposits

P&L vertical analysis ratios:

Interest Income / Total Net Income	Interest Income / Total Net Income
Interest Expense / Interest Income	|Interest Expense| / Interest Income
NII / Total Net Income	Net Interest Income / Total Net Income
Net Fee / Total Net Income	Net Fee Income / Total Net Income
Profit Share vs Asset Share	Net Profit Market Share − Asset Market Share

Total Net Income definition: Total Net Income = Net Interest Income + Net Fee Income (+ Other Operating Income, where available). If the source field is unavailable for a period, the dashboard falls back to NII + Net Fee Income. This fallback is flagged with a Data caution badge in the affected ratios.

Other Operating Income: not consistently available in the BANK_DATA snapshot — values displayed as N/A where unavailable.

Status logic:

• Strong — share above peer average AND rank in top 3, OR share increased > 0.30 pp MoM, OR profit share > asset share
• Stable — movement between -0.30 pp and +0.30 pp, no major rank change
• Watch — share down between -0.30 pp and -0.75 pp, OR rank declined by 1, OR gap to leader widening
• Pressure — share down more than -0.75 pp, OR rank declined by > 1, OR deposit growth concentrated in term deposits
• Data caution — abnormal movement (>2 pp) in housing/consumer loans (potential reclassification), missing values, or large unexplained jumps

Strength criteria (any one):

• Focus Bank ranks top 3 in product
• Market share above peer average
• Market share increased > 0.30 pp MoM

Pressure criteria (any one):

• Market share declined > 0.30 pp MoM
• Rank declined
• Gap to leader widened
• Focus Bank below peer average

Threat level (competitor gaining ground):

• High — competitor overtook Focus Bank in ranking, OR gap closed > 0.50 pp
• Medium — competitor gained > 0.30 pp while Focus Bank lost share
• Low — competitor gained share but Focus Bank stable or also gained

Opportunity level:

• High — Focus Bank ranks 2–3, gap to leader < 3 pp, positive MoM momentum
• Medium — Focus Bank ranks 4–5, gap to leader < 5 pp, positive MoM momentum
• Low — momentum exists but gap or rank distance is large

Defense zone (any one):

• Focus Bank ranks top 3 AND market share declined MoM
• Gap to next competitor (above or below) narrowed

Analysis Dimension: — | Reporting Period: — | Focus Bank: —

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