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

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Annual Report 2010 CBK Table 12. Microfinance and non-bank financial institutions registration activity, 2006 – 2010 Description 2006 2007 2008 2009 2010 Prior registered 19 18 19 22 20 Registered 1 1 4 0 0 Withdraw al of registration -2 0 -1 -2 -2 Total 18 19 22 20 18 Source: CBK 2011 Table 13. Insurance intermediaries licensing activity, 2006 - 2010 Description 2006 2007 2008 2009 2010 Agents/operators 784 347 479 528 679 Insurance brokers 2 2 2 4 3 Damage adjusters 2 2 3 4 1 Source: CBK 2011 Table 14. Money transfer agencies registration activity, 2006 – 2010 Description 2006 2007 2008 2009 2010 Prior registered 2 3 3 3 3 Registered 1 0 0 0 0 Total 3 3 3 3 3 Source: CBK 2011 Table 15. Money exchange bureaus registration activity, 2006 – 2010 Description 2006 2007 2008 2009 2010 Prior registered 6 16 23 21 23 Registered 10 7 0 2 3 Withdraw al of registration 0 0 -2 0 0 Total 16 23 21 23 26 Source: CBK 2011 60 |
CBK Annual Report 2010 4.1.2 Methodology The process of supplementation of legal framework in the area o financial regulation and supervision continued to be revised and updated, in order to ensure an effective financial supervision in compliance with application of Basel Committee principles and standards, the European Commission directives and the best international standards. The aim of supplementation of relevant regulations and rules is to ensure establishment of a well regulated environment, without undue burdens to financial services users. With purpose of revising the financial supervision regulations, based on the support by technical assistance, a Commission is established to prepare the new regulatory and supervision framework according to new Basel Committee standards for banking supervision. Thus, working groups have been set up within the financial supervision to work actively on supplementation of relevant regulations and drafting internal policies and procedures. In cooperation with the technical assistance provided by the IMF, it was worked on the draft law on banks licensing, regulation and supervision, which project is expected to be finalized during 2011. 4.2. Banking Supervision Kosovo banking system also continued with a sustainable growth during 2010, but with a slower trend compared to 2009. The value of total banking system assets reached at euro 2.237 billion. Total assets increased by 11.0 percent compared to last year’s growth ratio of 21.5 percent. A slower growth of assets level in the current year is mainly attributed to a slower growth of deposits, driven to a considerable extent by withdrawal of PTK dividend deposits from bank accounts and crediting of the Treasury account (Ministry of Economy and Finance) by euro 233 14 million during 2010. A faster growth in total assets in 2010 was marked by medium and small classified banks, compared to large (systematic) banks. Small banks (G3) 15 recorded a higher growth ratio with euro 39.7 million or 45.3 percent, compared to medium banks (G2) 16 the growth of which is accounted to be euro 95.7 million or 31.6 percent and large banks (G1) 17 with a growth of euro 95.8 million or 5.6 percent. Following these changes, the share of medium banks (G2) and small banks (G3) in total banking system assets increased to 17.1 respectively 5.5 percent from 14.4 and 4.2 percent that was in 2009, whereas the share of large banks decreased from 81.4 percept in 2009 to 77.4 percent in 2010. The abovementioned changes add value to the interbank competition, increasing the impact of small and medium banks in the system. The supervision activity was also adapted to these changes during the year, increasing the focus on financial performance supervision and more frequent examinations in group-banks with faster growth trend. a) Off-site Examination Unit Pursuant to its duties and responsibilities, the Off-site Examination Unit is engaged at constant monitoring of risk profile in financial institutions. Reports and periodical 14 This amount does not include earned profit. 15 Includes banks with a share in market 10% of total assets. | 61
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BANKA QENDRORE E REPUBLIKËS SË KO
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CBK Annual Report 2010 BANKA QENDRO
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CBK Annual Report 2010 CONTENTS Cov
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CBK Annual Report 2010 LIST OF ABBR
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CBK Annual Report 2010 LIST OF FIGU
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Page 13 and 14: CBK Annual Report 2010 Cover Letter
Page 15 and 16: CBK Annual Report 2010 Governor’s
Page 17 and 18: CBK Annual Report 2010 Central Bank
Page 19 and 20: CBK Annual Report 2010 Organization
Page 21 and 22: CBK Annual Report 2010 1. Executive
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Central Bank of the Republic of Kos
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CBK Annual Report 2010 9. Statistic
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CBK Annual Report 2010 1.1. Financi
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CBK Annual Report 2010 Table 3.2. C
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CBK Annual Report 2010 Table 5.2. O
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CBK Annual Report 2010 Table 6.6. O
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CBK Annual Report 2010 References B
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