Annual Report 2010 03 August 2011 - Banka Qendrore e ...

Annual Report 2010
CBK
Table 5. Structure of banking system liabilities
Description
2007 2008 2009 2010
In millions of euro Participation (%) In millions of euro Participation (%) In millions of euro Participation (%) In millions of euro Participation (%)
Balance w ith other banks 25.8 1.8 34.9 1.9 58.5 2.7 56.8 2.3
Deposits 1,143.1 79.6 1,444.1 79.9 1,744.9 79.2 1,937.0 78.9
Other borrow ings 2.7 0.2 0.0 0.0 0.0 0.0 0.0 0.0
Other liabilities 103.7 7.2 129.8 7.2 171.7 7.8 197.3 8.0
Subordinated debt 7.0 0.5 7.0 0.4 24.4 1.1 33.5 1.4
Ow n resources 152.7 10.6 192.5 10.6 204.6 9.3 230.6 9.4
Total 1,435 100.0 1,808 100.0 2,204 100.0 2,455 100.0
Source: CBK (2011)
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iv. Structure of deposits
The largest share of deposits in the
banking system of Kosovo consists
of household deposits, which in
2010 reached the amount of euro
1.3 billion. Household deposits
recorded an annual growth of 25.0
percent in 2010, compared to the
growth of 23.3 percent in the
previous year. Reaching at euro
526.6 million, the deposits of
enterprises recorded an annual
growth of 14.0 percent. In 2010,
the structure of enterprises’
deposits was dominated by the deposits of private enterprises (76.0 percent of total
enterprises’ deposits). Regarding the government deposits, the continuous withdrawal
during 2010 led to a decline in the value of these deposits to euro 11.7 million, compared to
the value of euro 164.9 million in 2009.
Regarding the structure of deposits at the banking sector in 2010, household deposits
increased their share to total deposits by 7.5 pp (67.1 percent of total deposits), whereas the
deposits of enterprises increased
their share by 0.7 pp, accounting
for 27.2 percent of total deposits in
2010 (Figure 13). The increase in
the share of household deposits
mainly reflects the decline in the
share of government deposits
during 2010. The share of
government deposits to total
banking system deposits in the end
of 2010 was 0.6 percent, which
indicates a decline of 8.8 pp
compared to year 2009. Nonresident
deposits in Kosovo’s
Figure 13. Structure of deposits by sectors, in
percentage
100
90
80
70
60
50
40
30
20
10
0
2007 2008 2009 2010
Other Households Private enterprises Public enterprises Government
Source: CBK (2011)
Figure 14. Structure of time deposits by maturity, in
percentage
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2007 2008 2009 2010
Over two years Up to one year One up to two years
Source: CBK (2011)
banking system continued to increase, reaching an amount of euro 84.8 million, which is an
annual growth of 32.3 percent. In terms of the currency, the structure of deposits in the
banking system of Kosovo is mainly dominated by the Euro denominated deposits, which