Market Share Intelligence Dashboard
Kosovo Banking System — Total Assets at February 2026
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Latest Period
Historical Evolution
Sorted by market share, latest period
| Rank | Bank | Value (k EUR) | Market Share | Share Change | Share Bar |
|---|
Dynamic executive decision support — NLB perspective
| Action | Owner | Timing | Confidence |
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NLB's trajectory toward market leadership
NLB's market share distance from #1 position
Position over time (lower is better)
NLB rank by segment across last 6 periods — darker = better rank
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Evolution of market share across time for all banks
Quarterly / Monthly trend line chart
Aggregate banking sector value (k EUR)
Market share comparison over time
Peer comparison and competitive gap analysis
Horizontal bar chart — latest period
Winners and Losers
Which bank leads in which product category
Select two banks for a detailed head-to-head analysis
Select two banks to see head-to-head analysis.
Time series comparison
Side-by-side bar chart
Market share across all product categories
Market share gap (A minus B) evolution
Full metric breakdown with leader indicators
| Metric | Bank A | Bank B | Gap | Leader |
|---|
NLB performance across key banking segments
Strengths and weaknesses across product categories
NLB contribution to each segment
Competitive position across categories
Which banks are growing fastest and contributing most to market expansion
Period-over-period growth — latest period
Value change contribution to market (k EUR)
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What drove NLB's overall market share movement — segment decomposition
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Note: This bridge provides a directional driver analysis based on segment-weighted share movements. It is not a perfectly precise causal decomposition.
Waterfall showing how each segment drove overall share movement
NLB share change by category with contribution weighting
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Deposit franchise strength, funding mix, and interest expense analysis
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Retail vs Corporate deposits
NLB share in total, retail, and corporate deposits
Total, retail, and corporate deposits over time
Monthly interest expense comparison (k EUR)
NLB deposit product composition over time
Current period breakdown by product type
Funding cost ratio over time
Loan-to-deposit ratio across all banks
Scatter: deposit market share vs cost of deposits for all banks
Total deposit market share across all banks
Income statement breakdown and key performance ratios — Feb 2026
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Ranked horizontal bar — k EUR
Breakdown of total income sources
After-tax return — % annualized
Operating efficiency — lower is better
Profitability relative to total assets
Asset quality — NPL% and provision coverage
Ranked bar chart (k EUR)
Ranked bar chart (k EUR, negative = cost)
Ranked bar chart (k EUR)
Ranked bar chart (k EUR, negative = cost)
Ranked bar chart (k EUR)
Ranked bar chart (k EUR, negative = cost)
Income statement for the period ended Feb 2026 (k EUR)
CAR, NPL, Coverage, ROA, ROE, CIR, LCR
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Historical net profit evolution
Structure ready — requires multi-period ratio data
NLB's share of total sector profit over time
Return on equity comparison over time
Structure ready — requires multi-period ratio data
Cost-to-income ratio comparison over time
Structure ready — requires multi-period ratio data
2x2 strategic positioning maps — NLB highlighted
Size = asset volume | Position = strategic profile
Profitability vs efficiency trade-off
Credit risk vs provisioning adequacy
Funding strength vs lending momentum
Strategic priority matrix for NLB across all segments
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NLB share, rank, gap to leader, growth, and strategic action label
| Segment | NLB Share | Rank | Gap to #1 | NLB Growth | Market Growth | Action | Management Note |
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Board-level commentary and strategic implications for NLB
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Share of market held by the three largest banks over time
Formula dictionary, reconciliation checks, and data validation
| KPI | Formula | Source |
|---|---|---|
| Market Share % | Bank Value / Total Market Value × 100 | KBA public data |
| Share Change (pp) | Current Period Share − Previous Period Share | Derived |
| Growth % | (Current Value / Previous Value − 1) × 100 | Derived |
| Contribution to Growth | Bank Absolute Change / Total Market Change × 100 | Derived |
| Gap to Leader (pp) | NLB Share − Leader Share | Derived |
| ROA % | Net Profit / Average Total Assets × 100 (annualized) | KBA ratios |
| ROE % | Net Profit / Average Equity × 100 (annualized) | KBA ratios |
| CIR % | Operating Expenses / Total Income × 100 | KBA ratios |
| NPL % | Non-performing Loans / Gross Loans × 100 | KBA ratios |
| Coverage Ratio % | Provisions / Non-performing Loans × 100 | KBA ratios |
| LTD (Loan-to-Deposit Ratio) | Gross Loans / Total Deposits × 100 | Derived |
| CASA Ratio | (Deposits CA) / Total Deposits × 100 | Derived |
| Term Deposit Ratio | Deposits TDA / Total Deposits × 100 | Derived |
| Savings Ratio | Deposits Saving / Total Deposits × 100 | Derived |
| Cost of Deposits | Interest Expense / Total Deposits × 100 (annualized) | Derived |
| Interest Exp / Deposits | Interest Expense / Total Deposits | Derived |
| Deposit Mix Effect | Change in CASA ratio period-over-period | Derived |
Automated validation of dashboard calculations
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Automated validation of deposit ratios and funding metrics
| Check | Expected | Actual | Status |
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Automated validation of income statement and profitability metrics
| Check | Expected | Actual | Status |
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Data Source: Kosovo Banking Association (KBA) — publicly available banking statistics. Refresh: Monthly. Latest data: February 2026. Limitations: P&L ratios are single-period only (no trend yet). Some deposit sub-segments (demand/term/savings, FX split) are not available in the public KBA dataset.