As a result of the adequate regulatory framework as well as high supervisory standards, the pandemic situation found the banking sector in Kosovo with high levels of capital and liquidity as well as very good quality of assets.
One such problem is the potential conflict between being a participant in the commercial sector and a regulator of it. This was a feature of the RBA itself, which began life as a publicly owned commercial bank and then saw central banking functions grow in importance to the point where the two were separated in 1960.