Financial Stability Report No1 20 December 2010 - Banka Qendrore ...

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Number 1Financial Stability ReportFigure 75. Percentage of firms which have used bank financing for investments -------- 95Figure 76. Percentage of investments covered by bank financing --------------------------- 96Figure 77. Coverage of loans by collateral --------------------------------------------------------- 96LIST OF TABLESTable 1. World GDP growth rate --------------------------------------------------------------------- 15Table 2. Total reported losses and additional capital for banks ------------------------------ 19Table 3. Number of financial institutions ------------------------------------------------------------ 25Table 4. Banking sector network --------------------------------------------------------------------- 29Table 5. Structure of banking sector assets ------------------------------------------------------- 30Table 6. Structure of banking sector liabilities ---------------------------------------------------- 32Table 7. Banking sector efficiency indicators ------------------------------------------------------ 38Table 8. Distribution of assets by CAR level ------------------------------------------------------ 46Table 9. Summary results of the stress test: credit risk ----------------------------------------- 52Table 10. Summary results of the stress test: liquidity risk ------------------------------------- 53Table 11. Structure of imports and exports in selected countries ---------------------------- 62Table 12. Ownership structure of the banking sector ------------------------------------------- 70Table 13. Trade matrix of the selected countries ------------------------------------------------- 72Table 14. Doing Business in SEE countries ------------------------------------------------------- 73Table 15. Structure of banking sector income statement and profit margins -------------- 77Table 16. Decomposition of intermediation cost -------------------------------------------------- 80Table 17. Contract Enforcement Days, Cost of Enforcement and Rule of Law Index --- 84Table 18. Enforcement of the collateral laws in Kosovo ---------------------------------------- 87Table 19. Enforcement of collateral laws in Kosovo, SEE, CEE and CIS ------------------ 88LIST OF BOXESBox 1. Performance of banking groups operating in Kosovo ---------------------------------- 17Box 2. Decomposition of factors contributing to the change of ROAE ----------------------- 356 |
Financial Stability ReportNumber 1CONTENTS1. Foreword ----------------------------------------------------------------------------------------------- 92. Executive summary -------------------------------------------------------------------------------- 113. Macroeconomic and financial developments in global economy ------------------ 143.1. Economic developments in SEE ----------------------------------------------------------- 204. Macroeconomic developments in Kosovo ------------------------------------------------- 215. Financial sector in Kosovo ---------------------------------------------------------------------- 255.1. General characteristics ----------------------------------------------------------------------- 255.2. Banking sector exposure to other financial institutions -------------------------------- 276. Banking sector -------------------------------------------------------------------------------------- 286.1. General Characteristics ---------------------------------------------------------------------- 286.2. Banking sector balance sheet -------------------------------------------------------------- 296.3. Banking sector performance ---------------------------------------------------------------- 346.4. Interest rates ------------------------------------------------------------------------------------ 386.5. Banking sector risks --------------------------------------------------------------------------- 406.6. Stress-test results ------------------------------------------------------------------------------ 497. Other financial institutions ---------------------------------------------------------------------- 557.1. Insuarance companies ----------------------------------------------------------------------- 557.2. Microfinancial institutions -------------------------------------------------------------------- 557.3. Pension funds ----------------------------------------------------------------------------------- 56Special Topics8. Financial Stability and Economic Growth in SEE Countries ------------------------- 59Boštjan Jazbec and Albulenë Kastrati9. Decomposition of Financial Intermediation Cost: Comparative Analysis ------- 75Valentin Toçi, Arben Mustafa and Astrit Panxha10. Enforcement of Creditor Rights in Kosovo: Empirical Study --------------------- 83Valentin Toçi and Arben Mustafa11. Access to Finance in Kosovo: Results from BEEPS 2009 -------------------------- 92Valentin Toçi, Zana Gjocaj and Arben Mustafa12. Statistical Appendix ------------------------------------------------------------------------------ 9813. References ---------------------------------------------------------------------------------------- 119| 7
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CBK Working Paper no. 4Efficiency o
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