“…The study aimed to assess the effect of credit risks on the financial stability of banks and the importance of bank reserves. The statistical base of the study was formed by using the data of the annual financial statements of 11 commercial banks in Kosovo for 2010-2020 (Banka Ekonomike, 2022;Banka Kombëtare Tregtare, 2022;BPB, 2022;Komercijalna Banka, 2022;NLB Banka, 2022;ProCredit Bank Kosova, 2022;Raiffeisen Bank Kosovo, 2022;TEB Bank, 2022;Ziraat Bank, 2022;İşbank, 2022). The use of data from all banks ensured the representativeness of the survey results for the country.…”