Executive Market Snapshot
Kosovo banking sector overview — all values in thousands EUR (k EUR)
Selected Bank Snapshot — —
Dynamic analysis for the selected bank. Change bank using the dropdown in the header.
Competitive Ranking — All Banks
Market share by key category. Highlighted row = selected bank.
Peer Benchmarking — Selected Bank vs Peers
Compares selected bank against market leader, adjacent-rank banks, and sector average.
Market Concentration & Competitive Pressure
HHI index and top-N concentration analysis.
Momentum Leaders — Who Is Gaining Ground?
Month-on-month market share changes ranked by bank. * Housing/Consumer loans: verify classification.
Profitability Quality Matrix
Profit market share vs asset market share. Banks above the diagonal earn above their balance-sheet weight.
Funding Quality Intelligence
Deposit mix, cost of deposits, and funding structure analysis for selected bank.
Lending Mix & Segment Exposure
Loan portfolio composition and competitive positioning by segment.
Growth Quality Analysis
Volume movement vs profitability movement — quality of growth signals.
Rank Momentum Tracker
Current vs previous period rank for selected bank. ↑ improved, ↓ declined, → unchanged.
Market Intelligence Alerts
Automated threshold-based alerts — all banks. Updated on every render.
Market Opportunity & Risk Scanner — —
Dynamic scanner for selected bank. Neutral language — market intelligence product, not financial advice.
Methodology & Audit
Formulas, data sources, reconciliation notes, and limitations.
Data Source & Coverage
| Source institution | Kosovo Banking Association (KBA) — publicly available statistics |
| Reporting period | — |
| P&L period | Q1 2026 — cumulative January–March 2026 (YTD) |
| Source file | Market Share March 2026 - Trend.xlsx |
| Banks covered | — |
| Time series depth | — |
| Error handling | #DIV/0!, #N/A, blanks → converted to null → displayed as N/A, excluded from averages |
Formulas
| Market Share | Bank value / Total sector value × 100 |
| MoM movement | Current period share − Previous period share (in percentage points) |
| Gap to leader | Leader share − Selected bank share (percentage points) |
| Profitability quality | Profit market share − Asset market share (percentage points) |
| Cost of Deposits (ann.) | |Interest Expense| / Total Deposits × 100 × (12 / periodMonths)periodMonths = calendar month of latest date (March = 3). Dynamic — not hardcoded. |
| ROA (annualized) | Net Profit × (12 / periodMonths) / Total Assets × 100 |
| ROE (annualized) | Net Profit × (12 / periodMonths) / Total Equity × 100 |
| HHI | Σ (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 |
Classification Warning — Housing vs Consumer Loans
Where unusual MoM 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 by classification differences.
Important Limitations
- P&L data represents Q1 2026 (3-month YTD) — not comparable to full-year figures without annualization.
- NPL, CAR, LCR, and Coverage Ratio may be sourced from regulatory reports with different coverage than KBA data.
- Profit market share for early periods may use different denominators — MoM comparisons should be treated carefully.
- 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.