FINANCIAL ANALYSIS OF COMMERCIAL BANK PROFIT - RAIFFEISEN BANK IN KOSOVO
FINANCIAL ANALYSIS OF COMMERCIAL BANK PROFIT - RAIFFEISEN BANK IN KOSOVO

Summary/Abstract: In Kosovo, there are ten banks, representing 66.14 percent of the total assets in the financial sector. Their products and services include banking accounts, loans, domestic and international payments, banking cards, banking guarantees, letters of credit, e-banking. Their activities are dominated by loans and the maturity can be up to 15 years, depending on the type of loan. The total of loans is 2.7 billion Euros, loans for enterprises are 63.6% while loans for individuals are 36.00%. Most of these loans are absorbed by trading enterprises sector (48.9 percent of loans to enterprises), whereas loans issued for the industrial sector (including mines, production, energy, and construction) compose 24.7% of total loans to enterprises. The structure of banking sector liabilities is dominated by deposits, which represent 81.9% percent of total liabilities. Deposits in the banking sectors have recorded an annual growth of 8.7 percent, amounting to euro 3 billion. Deposits in the banking sector consist of household deposits, which participate in a share of 70.5% percent in total deposits, whereas the deposits of private sector enterprises compose 23.3 percent of total deposits. Commercial banks of Kosovo have different shareholding structure. Eight of them are foreign-owned banks and two domestically owned. There are 3,299 employees of commercial banks. This research will analyze in detail the profits of the second largest bank of Kosovo - Raiffeisen Bank. Addressing this topic is very important given that the key indicators of banks' profits are one of their main parameters. This research puts into place some of the most important definitions and concepts associated with the analysis of commercial banks' earnings indicators. From the scientific point of viewing the topic analysis of commercial banks 'profits case study - Raiffeisen Bank’, will include analysis of commercial banks' profits and indicators and their importance of the banking system.

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