The efficiency and impact of banking electronic services: evidence for Kosovo

This paper aims to assess and compare the relative efficiency of commercial banks in six Western Balkan developing countries (North Macedonia, Serbia, Montenegro, Bosnia and Herzegovina (B&H), Kosovo1, and Albania), using the leading nonparametric methodology Data Envelopment Analysis (DEA) for the period 2016-2020, and investigating the impact of the COVID-19 pandemics on the performance of banking systems in these countries. The output-oriented DEA model has been implemented with interest expenses and non-interest expenses as inputs and interest revenue and non-interest revenue as outputs. Our findings show that the average efficiency of the six Western Balkan banking systems differs, and Kosovo’s banking system has noted the highest average efficiency in the whole observed period (2016–2020). In contrast, the banking system in Bosnia and Herzegovina noted the lowest average efficiency. The COVID-19 pandemic decreased the relative efficiency of the banking sectors in all six of the Western Balkan countries observed, except Kosovo. However, additional research that includes all pandemic years is recommended to assess the impact of the COVID-19 pandemic on the banking systems in the Western Balkans. This study provides invaluable insights for academic members, banking management and regulatory bodies, governments, and the interested public. It is the first empirical study that includes a glimpse of the first impact of the COVID-19 pandemic on banking systems in the developing countries of the Western Balkans.

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The Impact of COVID-19 on Bank Efficiency in the Western Balkans: A DEA Approach

Čiković

Cvetkoska

Keček

2023

Naše Gospodarstvo/Our Economy

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Analysis of the Banking Sector Competition in Kosovo

Fejza

Avdullahi²,

Tmava³

et al. 2022

Studia Universitatis „Vasile Goldis” Arad – Economics Series

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This research paper aims to investigate the competition in the banking sector in Kosovo. For the research purpose, the secondary data from the Central Bank and commercial banks of Kosovo are used. Besides, the comparison methodology is used to analyse the banking sector for the years 2013-2017. The participation of commercial banks in the banking sector in Kosovo was compared and described, and the competitiveness of the banking sector was measured, using the HHI index and Concentration Ratio (CR4). Based on the research results, we can conclude that the competitiveness in 2017 was at a moderate level, in 2016 at a low level. Whereas, in the previous years, there was no real competition in this sector.

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The efficiency and impact of banking electronic services: evidence for Kosovo

Cited by 2 publications

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The Impact of COVID-19 on Bank Efficiency in the Western Balkans: A DEA Approach

The Impact of COVID-19 on Bank Efficiency in the Western Balkans: A DEA Approach

Analysis of the Banking Sector Competition in Kosovo

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