Analysis of the Banking Sector Competition in Kosovo

  • Vjosa Fejza-Ademi University of Prishtina Hasan Prishtina
  • Ajtene Avdullahi University Isa Boletini Mitrovica
  • Qazim Tmava University Isa Boletini Mitrovica
  • Esat Durguti University Isa Boletini Mitrovica


This research paper aims to investigate the competition in the banking sector in Kosovo. For the research purpose, the secondary data from the Central Bank and commercial banks of Kosovo are used. Besides, the comparison methodology is used to analyse the banking sector for the years 2013-2017. The participation of commercial banks in the banking sector in Kosovo was compared and described, and the competitiveness of the banking sector was measured, using the HHI index and Concentration Ratio (CR4). Based on the research results, we can conclude that the competitiveness in 2017 was at a moderate level, in 2016 at a low level. Whereas, in the previous years, there was no real competition in this sector.

How to Cite
Fejza-Ademi , V., Avdullahi , A., Tmava , Q., & Durguti , E. (2022). Analysis of the Banking Sector Competition in Kosovo. Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice, 32(2), 84-101. Retrieved from