Besides commercial banks (ODCs), other institutions that deal with loan granting are the microfinance institutions, so-called other financial intermediaries or microfinance institutions. Unlike commercial banks, other financial intermediaries are engaged in lending in smaller amounts. All statistics on microfinance institutions can be found here.

The main tables are as follows:

Other Financial Intermediaries (OFI) survey

OFI balance sheet

OFI income statement

OFI loans - by maturity

OFI loans - by economic sectors

OFI - lease

OFI activity

OFI effective interest rate

OFI loans - new loans

Statistics on commercial banks are published within the Time Series. These include tables for balance sheets, balances of success, deposits, loans, interest rates, exchange rate, etc. The main tables are as follows:
Other Depositary Corporations (ODC) Survey
ODC Balance sheet
ODC Income statement
ODC loans - by maturity
ODC loans - economic sectors
ODC loans - new loans
ODC investments in loans and deposits
Deposits at ODC - deposists in euro
Deposists at ODC - deposits in non-euro
Deposits and borrowing at ODC
ODC deposits - new deposits
Borrowings at ODC
Government Securities - Interest rates and amounts
Exchange rate
Payment system
ODC network and number of employees

Virtual money is not recognized as a legal payment or exchange tool, so these types of virtual money cannot be used as a legal payment tool.

Currently, there is no official local or international authority or institution that takes responsibility for your potential losses from investing in virtual money. Also, there is no basic or physical asset to be the support basis for their value. Due to anonymous and non-transparency, these types of virtual money can be used for dangerous activities such as money laundering and terrorist financing, as well as for other illegal activities.

The Central Bank of Kosovo warns the users of virtual platforms that these platforms are not regulated by law and are not supervised by regulatory authorities.

For more detailed information on the exchange rate, you can refer to the official website of the European Central Bank, namely the following link:
(https://bqk-kos.org/operacionet-bankare/kursi-i-valutave/?lang=en).

Where can I find the financial statements of insurance companies and commercial banks?

For the financial statements of banks, please refer to the following link: https://bqk-kos.org/mbikeqyrja-financiare/sigurues/?lang=en, while for the financial statements of insurance companies.

Currently, there is only one interbank payment system (IPS) in Kosovo, operated and supervised by the CBK. This system provides clearing and settlement on a net basis automatically according to clearing sessions, and also on a gross basis for all transactions of interbank payment, securities, etc.

The new interbank payment system, called ATS (Automatic Transfer System), has been in use since 1 July 2016 and consists of two main components: the RTGS (Real Time Gross Settlement) component which enables the real-time transfer of funds as well as the ACH (Automatic Clearing House) component that processes group payments and low-value payments in three interbank clearing sessions at CBK.

Does this system operate according to international standards? This system is designed according to the latest international standards on payment systems (ISO 20022) and according to the latest technology and the best practices, thus making Kosovo one of the first countries to implement this standard.

Operational Role - Provides clearing and settlement infrastructure for interbank payments; it administers and operates a payment system (IPS – Interbank Payment System) for clearing and settlement of small and large value payments.

Oversight Role - Establishes rules and procedures, sets standards to promote and sustain a secure and efficient payment system for processing payments, as well as assesses the systems against established standards; and

Catalyst Role - Encourages and promotes safety and efficiency in the use of payment instruments and payment systems.

Where can I find additional information?  Information on statistical publications, analyses and other information materials from the Payment System can be found at the following link: https://bqk-kos.org/sistemet-e-pagesave/?lang=en

The exchange of damaged euro banknotes and coins is done in commercial banks. The part of a genuine euro banknote should be presented to commercial banks in order to qualify for exchange, as this is a criterion of the minimum requirements to be met. These requirements relate mainly to the surface of the damaged banknote. On request, financial institutions (commercial banks) will exchange damaged genuine euro banknotes where:

a) at least 60% of the banknote’s surface is presented;
b) less than 60% and more than 50% of the banknote's surface is presented, if the applicant (client) proves, through a written report, that the missing parts have been destroyed unintentionally.

For the exchange of damaged euro banknotes, the financial institution (commercial bank) provides the applicant with a standard form to be completed. In cases where financial institutions (commercial banks) have sufficient reasons to believe that euro banknotes and coins have been deliberately damaged or a criminal offence has been committed with them, they will refuse to exchange them and they will inform the police authorities. Only if otherwise decided by the competent authorities at the end of the investigation, euro banknotes/coins will qualify for exchange. Euro banknotes damaged to a minor degree, e.g. by having tears, numbers or short words and similar written on them, will in principle not be considered to be intentionally damaged euro banknotes.

Does the Central Bank exchange damaged banknotes?
No, it does not.