financial stability report - Banka Qendrore e Republikës së Kosovës

financial stability report - Banka Qendrore e Republikës së Kosovës financial stability report - Banka Qendrore e Republikës së Kosovës

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Number 3 Financial Stability Report Table 6.4. ODC loans – main economic sectors Total Description Agriculture Indust ry, energy and const ruct ion Services Up t o 1 year Over 1 year Up to 1 year Over 1 year Up to 1 year Over 1 year 2001 December 25.9 … … __ 3.8 3.8 … 22.2 22.2 … 2002 December 86.5 1.5 1.5 __ 13.6 13.6 … 71.4 71.4 … 2003 December 232.8 4.7 3.9 0.8 22.2 12.6 9.7 205.8 119.7 86.1 2004 December 289.9 7.9 3.9 4.1 47.8 22.5 25.3 234.2 89.5 144.8 2005 December 387.9 12.5 4.1 8.4 74.2 24.5 49.7 301.1 92.4 208.8 2006 December 490.5 16.4 3.4 13.0 97.7 28.0 69.7 376.4 120.6 255.8 2007 December 691.5 29.0 4.1 24.9 144.5 32.8 111.7 518.0 149.5 368.5 2008 December 902.4 37.4 4.1 33.3 160.2 28.9 131.2 704.8 126.4 578.4 2009 December 945.5 38.2 3.8 34.4 236.7 54.8 181.9 670.5 113.2 557.3 August 985.9 38.6 2.3 36.3 275.8 85.8 190.0 671.6 175.2 496.4 September 994.1 38.1 2.2 35.9 278.2 88.8 189.4 677.8 182.3 495.4 October 998.6 37.9 1.9 36.0 268.3 83.0 185.3 692.4 190.0 502.4 November 1,019.6 37.9 1.8 36.1 270.6 83.2 187.4 711.0 197.8 513.2 2010 December 1,022.8 38.2 1.7 36.5 269.3 77.1 192.2 715.3 188.5 526.8 January 1,024.2 37.4 1.8 35.7 268.6 78.2 190.4 718.2 195.5 522.7 February 1,046.2 37.6 2.0 35.6 268.4 76.3 192.1 740.1 211.0 529.1 March 1,073.5 38.8 2.8 36.0 265.5 73.2 192.3 769.2 220.2 549.0 April 1,086.6 39.0 2.6 36.4 265.5 73.7 191.8 782.1 229.5 552.6 May 1,112.3 39.5 2.1 37.5 279.6 76.2 203.4 793.2 229.2 564.0 June 1,123.6 40.1 2.4 37.7 281.8 77.0 204.8 801.8 227.6 574.1 July 1,119.2 40.1 2.3 37.8 279.7 77.7 202.0 799.4 220.2 579.2 August 1,117.5 39.8 0.4 39.3 275.7 73.9 201.8 802.1 208.7 593.4 September 1,132.3 40.1 0.6 39.5 274.5 75.2 199.2 817.8 216.7 601.0 October 1,136.9 39.9 0.7 39.2 286.5 86.6 199.9 810.5 223.7 586.8 November 1,140.3 40.0 0.8 39.2 283.7 84.1 199.5 816.6 229.9 586.7 2 0 11 Decemb er 1,149.5 40.5 0.8 39.7 284.7 82.3 202.4 824.4 220.5 603.8 January 1,13 7.5 39.4 0.4 39.0 281.9 83.5 198.4 816.1 220.3 595.9 February 1,14 7.9 39.4 0.4 38.9 290.2 89.1 201.1 818.3 220.8 597.5 March 1,16 3 .1 40.7 0.5 40.1 296.6 89.4 207.3 825.8 228.8 596.9 April 1,178 .7 41.4 0.4 41.0 297.1 95.8 201.4 840.2 238.6 601.6 May 1,18 2 .2 42.4 0.4 42.0 295.8 94.9 200.9 844.0 241.1 602.9 2012 June 1,19 6 .1 43.0 0.5 43.0 297.2 94.2 203.0 855.9 259.1 596.8 Source: CBK (2011) 106 |

Financial Stability Report Number 3 Table 7.1. ODC loans – main economic sectors Description Deposit rates Transfer able deposits Up to 1 mont h Nonf inancial corporations Other deposits Saving Transfe deposits rable Less than 250.000 euro M ore than 250.000 euro deposit Up to 1 s mont h Over 1 month and up to 3 Over 6 months and up 1 year Over 2years Up to 1 mont h Over 1 month and up to 3 Over 6 mont hs and up 1 year Households Other deposits 2005 December 3.12 0.26 2.07 2.37 3.40 * 2.90 * * 1.71 0.04 1.85 2.24 * 3.33 3.87 4.04 1.74 2006 December 3.11 0.39 2.06 2.85 4.32 * 3.11 * * 1.53 0.03 1.93 2.35 * 3.44 4.16 4.51 1.65 2007 December 4.00 0.48 2.68 2.93 4.35 * 4.27 4.15 * 2.45 0.02 2.55 2.75 * 3.60 4.72 5.27 2.25 2008 December 4.42 0.53 3.09 3.97 5.32 * 3.61 4.92 * 2.85 0.11 3.21 4.60 * 4.45 4.99 3.95 2.74 2009 December 3.98 0.72 3.42 3.42 5.03 * 3.88 4.88 * 2.63 0.34 3.09 3.28 * 4.39 5.00 5.50 2.51 August 3.91 2.74 3.00 3.56 * * 2.92 * 5.57 2.42 0.36 3.03 2.80 3.49 4.31 4.68 5.02 2.27 September 3.72 0.90 2.75 3.41 5.20 4.99 2.71 3.75 5.36 2.36 0.36 2.76 2.91 3.23 4.45 4.70 5.16 2.37 October 3.60 * 2.43 2.94 * * 2.88 3.28 5.14 2.45 0.37 2.68 2.76 3.38 4.47 4.56 5.26 2.24 November 3.75 0.90 2.59 3.32 5.38 5.04 * 3.84 5.50 2.33 0.27 2.66 2.76 3.17 4.52 4.82 5.27 2.30 2010 December 3.38 0.63 2.44 3.08 4.96 5.14 * 3.74 * 2.07 0.55 2.58 2.63 3.15 4.49 4.77 5.14 2.21 January 3.44 0.97 2.36 2.93 4.05 * 3.02 3.43 4.78 2.30 0.39 2.54 2.51 2.84 4.09 4.34 5.42 2.11 February 3.32 1.06 2.12 2.84 4.89 * 2.53 3.59 * 2.10 0.42 2.53 2.51 2.92 4.09 4.31 4.85 1.92 M arch 3.36 1.01 1.99 3.26 4.31 * 2.33 * 5.11 2.30 0.43 2.48 2.74 3.03 3.94 4.16 5.22 2.11 April 3.48 0.92 2.14 3.51 4.91 * 2.35 3.82 5.42 2.19 0.40 2.53 2.50 2.94 4.15 4.25 5.13 2.04 M ay 3.41 0.91 2.39 3.67 3.89 4.61 * 3.36 * 2.26 0.41 2.64 2.61 2.87 4.13 4.65 4.97 2.10 June 3.50 0.84 2.17 2.81 4.94 * 2.10 3.92 5.30 2.20 0.40 2.51 2.75 2.91 4.21 4.62 5.03 2.03 July 3.59 1.44 2.27 * 4.66 5.83 2.14 * 5.68 2.28 0.29 2.53 2.50 2.81 4.12 4.48 5.15 2.08 August 3.64 * 2.10 * 5.10 * 2.79 3.87 4.98 2.28 0.42 2.74 2.63 2.77 4.06 4.53 5.15 2.08 September 3.53 0.89 2.64 2.75 5.09 * 2.56 3.89 * 1.67 0.46 2.48 2.71 2.76 4.27 4.70 5.15 2.01 October 3.26 0.92 2.21 2.55 4.85 * 2.26 3.76 * 2.26 0.48 2.51 2.45 2.72 4.24 4.64 5.07 2.05 November 3.75 0.89 2.03 2.59 4.56 * 2.22 3.63 5.32 2.17 0.49 2.48 2.49 2.84 4.34 5.15 4.92 2.00 2011 December 3.71 0.86 0.00 2.91 4.90 5.05 * 3.88 5.25 2.20 0.48 2.49 2.47 2.88 4.21 4.56 5.36 2.06 January 3.09 0.77 1.71 2.62 4.65 * 1.46 4.04 * 2.10 0.50 2.32 2.26 2.73 4.00 4.48 5.11 2.06 February 3.39 0.69 2.20 2.93 4.73 * 1.80 * * 2.14 0.51 2.39 2.43 2.99 4.03 4.50 5.22 1.93 M arch 3.33 0.85 2.15 * * 4.31 2.77 3.91 2.66 2.13 0.50 2.57 2.65 2.89 4.01 4.53 5.18 2.06 April 3.63 0.87 2.29 2.71 5.03 * 1.74 3.81 5.42 2.10 0.49 2.39 2.50 2.92 4.10 4.49 5.09 2.00 M ay 3.54 0.78 2.37 2.89 4.53 5.19 1.62 3.91 4.73 2.08 0.50 2.62 2.46 2.92 4.22 4.51 5.32 2.05 2012 June 3.59 0.92 2.25 * 4.51 * 1.82 3.95 * 2.00 0.49 2.45 2.72 2.92 4.29 4.64 5.49 1.99 Over 1 month and up to 3 mont hs Over 3 months and up 6 months Over 6 months and up 1 year Over 1 year and up 2 years Over 2years Saving deposit s Source: CBK (2011) | 107

Financial Stability Report<br />

Number 3<br />

Table 7.1. ODC loans – main economic sectors<br />

Description<br />

Deposit<br />

rates<br />

Transfer<br />

able<br />

deposits<br />

Up to 1<br />

mont h<br />

Nonf inancial corporations<br />

Other deposits<br />

Saving Transfe<br />

deposits rable<br />

Less than 250.000 euro M ore than 250.000 euro deposit Up to 1<br />

s mont h<br />

Over 1<br />

month<br />

and up<br />

to 3<br />

Over 6<br />

months<br />

and up 1<br />

year<br />

Over<br />

2years<br />

Up to 1<br />

mont h<br />

Over 1<br />

month<br />

and up<br />

to 3<br />

Over 6<br />

mont hs<br />

and up 1<br />

year<br />

Households<br />

Other deposits<br />

2005 December 3.12 0.26 2.07 2.37 3.40 * 2.90 * * 1.71 0.04 1.85 2.24 * 3.33 3.87 4.04 1.74<br />

2006 December 3.11 0.39 2.06 2.85 4.32 * 3.11 * * 1.53 0.03 1.93 2.35 * 3.44 4.16 4.51 1.65<br />

2007 December 4.00 0.48 2.68 2.93 4.35 * 4.27 4.15 * 2.45 0.02 2.55 2.75 * 3.60 4.72 5.27 2.25<br />

2008 December 4.42 0.53 3.09 3.97 5.32 * 3.61 4.92 * 2.85 0.11 3.21 4.60 * 4.45 4.99 3.95 2.74<br />

2009 December 3.98 0.72 3.42 3.42 5.03 * 3.88 4.88 * 2.63 0.34 3.09 3.28 * 4.39 5.00 5.50 2.51<br />

August 3.91 2.74 3.00 3.56 * * 2.92 * 5.57 2.42 0.36 3.03 2.80 3.49 4.31 4.68 5.02 2.27<br />

September 3.72 0.90 2.75 3.41 5.20 4.99 2.71 3.75 5.36 2.36 0.36 2.76 2.91 3.23 4.45 4.70 5.16 2.37<br />

October 3.60 * 2.43 2.94 * * 2.88 3.28 5.14 2.45 0.37 2.68 2.76 3.38 4.47 4.56 5.26 2.24<br />

November 3.75 0.90 2.59 3.32 5.38 5.04 * 3.84 5.50 2.33 0.27 2.66 2.76 3.17 4.52 4.82 5.27 2.30<br />

2010 December 3.38 0.63 2.44 3.08 4.96 5.14 * 3.74 * 2.07 0.55 2.58 2.63 3.15 4.49 4.77 5.14 2.21<br />

January 3.44 0.97 2.36 2.93 4.05 * 3.02 3.43 4.78 2.30 0.39 2.54 2.51 2.84 4.09 4.34 5.42 2.11<br />

February 3.32 1.06 2.12 2.84 4.89 * 2.53 3.59 * 2.10 0.42 2.53 2.51 2.92 4.09 4.31 4.85 1.92<br />

M arch 3.36 1.01 1.99 3.26 4.31 * 2.33 * 5.11 2.30 0.43 2.48 2.74 3.03 3.94 4.16 5.22 2.11<br />

April 3.48 0.92 2.14 3.51 4.91 * 2.35 3.82 5.42 2.19 0.40 2.53 2.50 2.94 4.15 4.25 5.13 2.04<br />

M ay 3.41 0.91 2.39 3.67 3.89 4.61 * 3.36 * 2.26 0.41 2.64 2.61 2.87 4.13 4.65 4.97 2.10<br />

June 3.50 0.84 2.17 2.81 4.94 * 2.10 3.92 5.30 2.20 0.40 2.51 2.75 2.91 4.21 4.62 5.03 2.03<br />

July 3.59 1.44 2.27 * 4.66 5.83 2.14 * 5.68 2.28 0.29 2.53 2.50 2.81 4.12 4.48 5.15 2.08<br />

August 3.64 * 2.10 * 5.10 * 2.79 3.87 4.98 2.28 0.42 2.74 2.63 2.77 4.06 4.53 5.15 2.08<br />

September 3.53 0.89 2.64 2.75 5.09 * 2.56 3.89 * 1.67 0.46 2.48 2.71 2.76 4.27 4.70 5.15 2.01<br />

October 3.26 0.92 2.21 2.55 4.85 * 2.26 3.76 * 2.26 0.48 2.51 2.45 2.72 4.24 4.64 5.07 2.05<br />

November 3.75 0.89 2.03 2.59 4.56 * 2.22 3.63 5.32 2.17 0.49 2.48 2.49 2.84 4.34 5.15 4.92 2.00<br />

2011 December 3.71 0.86 0.00 2.91 4.90 5.05 * 3.88 5.25 2.20 0.48 2.49 2.47 2.88 4.21 4.56 5.36 2.06<br />

January 3.09 0.77 1.71 2.62 4.65 * 1.46 4.04 * 2.10 0.50 2.32 2.26 2.73 4.00 4.48 5.11 2.06<br />

February 3.39 0.69 2.20 2.93 4.73 * 1.80 * * 2.14 0.51 2.39 2.43 2.99 4.03 4.50 5.22 1.93<br />

M arch 3.33 0.85 2.15 * * 4.31 2.77 3.91 2.66 2.13 0.50 2.57 2.65 2.89 4.01 4.53 5.18 2.06<br />

April 3.63 0.87 2.29 2.71 5.03 * 1.74 3.81 5.42 2.10 0.49 2.39 2.50 2.92 4.10 4.49 5.09 2.00<br />

M ay 3.54 0.78 2.37 2.89 4.53 5.19 1.62 3.91 4.73 2.08 0.50 2.62 2.46 2.92 4.22 4.51 5.32 2.05<br />

2012 June 3.59 0.92 2.25 * 4.51 * 1.82 3.95 * 2.00 0.49 2.45 2.72 2.92 4.29 4.64 5.49 1.99<br />

Over 1<br />

month<br />

and up<br />

to 3<br />

mont hs<br />

Over 3<br />

months<br />

and up 6<br />

months<br />

Over 6<br />

months<br />

and up 1<br />

year<br />

Over 1<br />

year<br />

and up<br />

2 years<br />

Over<br />

2years<br />

Saving<br />

deposit<br />

s<br />

Source: CBK (2011)<br />

| 107

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