In September this year, the non-performing loans ratio was 2.8 per cent, reflecting a very good condition of loan portfolio quality.
There are numerous factors that have contributed to the good quality of the loan portfolio, but amongst the most important ones I consider the macroeconomic stability, legislative Faqe 3 nga 5  developments over the last years, as is the case with private enforcement agents who have facilitated the execution of collateral and the implementation of contracts, prudential oversight by the CBK, adequate bank risk management by banks, and responsible behaviour of citizens of the Republic of Kosovo in meeting their contractual obligations vis-à-vis banks.