Event Title

Analyzing determinants and sources of financing of Kosovo banking system

Session

Management, Business and Economics

Description

Kosovo banking sector is young with ten licensed banks (as of August 2018), with majority of them in foreign ownership mainly from European Union (EU). Started to operate since 2000s, banking sector is characterized with stable growth, low nonperforming loans and increasing intermediation ratio. In order to identify determinants and sources of financing, loans and deposits are used, decomposed by original maturity since December 2000 (monthly frequency). Using specific statistical application, namely R software but not limited to, we try to show the key determinants, of sources, and of financing of the Kosovo Economy. Using decision tree and other models as well, we will try to shed some light of the determinants on the deposits side of banks and financing side. The paper is composed of two main blocks, with the first part describing main characteristics of the Kosovo banking, and second with showing results using particular statistical software.

Keywords:

Sources of financing, R software, Kosovo banking sector, banking statistics, maturity mismatch

Session Chair

Nehat Ramadani

Session Co-Chair

Nehat Dobratiqi

Proceedings Editor

Edmond Hajrizi

ISBN

978-9951-437-69-1

Location

Pristina, Kosovo

Start Date

27-10-2018 10:45 AM

End Date

27-10-2018 12:15 PM

DOI

10.33107/ubt-ic.2018.280

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Oct 27th, 10:45 AM Oct 27th, 12:15 PM

Analyzing determinants and sources of financing of Kosovo banking system

Pristina, Kosovo

Kosovo banking sector is young with ten licensed banks (as of August 2018), with majority of them in foreign ownership mainly from European Union (EU). Started to operate since 2000s, banking sector is characterized with stable growth, low nonperforming loans and increasing intermediation ratio. In order to identify determinants and sources of financing, loans and deposits are used, decomposed by original maturity since December 2000 (monthly frequency). Using specific statistical application, namely R software but not limited to, we try to show the key determinants, of sources, and of financing of the Kosovo Economy. Using decision tree and other models as well, we will try to shed some light of the determinants on the deposits side of banks and financing side. The paper is composed of two main blocks, with the first part describing main characteristics of the Kosovo banking, and second with showing results using particular statistical software.