The study “Indebtedness of Bank Clients in Kosovo” is a publication of the Central Bank of the Republic of Kosovo, aiming at informing the public, professionals and decision-making authorities on bank clients’ indebtedness. The report presents analysis of borrowing trends, the repayment performance of loan obligations and the level of indebtedness of individual borrowers and enterprises, aiming at the same time to identifying the underlying factors linked with risk of client over-indebtedness.