The Central Bank of the Republic of Kosovo published commercial bank statistics for July 2025, showing month-on-month growth in sector assets, lending and customer deposits alongside higher average interest rates on both loans and deposits. Commercial bank assets reached EUR 8.85 billion (up 1.85% from the prior month). Gross loans stood at EUR 6.41 billion (up EUR 28.18 million, or 0.44%), with new lending in July of EUR 213.93 million; the average lending rate rose to 6.38% from 6.29% in June. Customer deposits increased to EUR 7.07 billion (up around EUR 168.84 million, or 2.45%), with 30.53% time deposits and households accounting for about 66.20% (around EUR 4.68 billion); new deposits in July were EUR 173.21 million and the average deposit rate rose to 3.37% from 2.74% in June. The loan-to-deposit ratio was 90.69%, total bank capital was EUR 1.08 billion, and loan loss provisions rose 0.83% to EUR 148.88 million; the loan-deposit interest margin narrowed to 3.01% from 3.55%.
Central Bank of the Republic of Kosovo 2025-08-22
Central Bank of the Republic of Kosovo publishes July 2025 commercial banking sector statistics
The Central Bank of the Republic of Kosovo reported growth in commercial bank assets, lending, and customer deposits for July 2025, with increased average interest rates on loans and deposits. Assets rose to EUR 8.85 billion, loans to EUR 6.41 billion, and deposits to EUR 7.07 billion. The loan-to-deposit ratio was 90.69%, and the loan-deposit interest margin narrowed to 3.01%.