Kosovo's domestic credit to private sector by banks (% of GDP) was 59.94% in 2025, the latest year in the World Bank's World Development Indicators. That is up 24.52 percentage points from 35.42% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 59.94% | 2025 |
| Five years earlier | 47.76% | 2020 |
| Ten years earlier | 35.42% | 2015 |
| Highest | 59.94% | 2025 |
| Lowest | 33.43% | 2008 |
| Average since 2016 | 46.93% | 2016–2025 |
| First recorded | 33.43% | 2008 |
What the numbers say
In 2025, Kosovo's domestic credit to private sector by banks (% of GDP) rose 4.27 percentage points on 2024 (from 55.67% to 59.94%).
Across the 16 yearly changes before that (2009 to 2024), the average change was +1.39 percentage points and a typical year strayed about 1.78 percentage points from that (the standard deviation). This year's change was 1.6 standard deviations above that average, so it was larger than a typical year, though not out of the range seen before.
On record, the biggest yearly rise was 5.13 percentage points in 2024 and the biggest yearly fall was 1.04 percentage points in 2013. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 the straight-line trend is upward, about 2.36 percentage points a year. A straight line explains 96% of the movement over 10 observed years.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
A straight-line projection, tested first
Extending that straight line gives about 63.48% for 2028. We show this only because the same method, fitted on earlier years, predicted 2023 to 2025 better than "no change" would have: its average miss was 4.17%, against 6.65% for assuming no change. Treat it as a continuation of the recent pattern, not a forecast of events: it cannot see a recession, a policy change or a revision to the data.
See how a linear trend forecast works and the guide on forecasting without fooling yourself.
How it compares
In 2025, Kosovo had the 27th highest value of the 110 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
| Value | Year | |
|---|---|---|
| Kosovo | 59.94% | 2025 |
| World | 91.32% | 2024 |
| Europe & Central Asia | 82.58% | 2023 |
| Upper middle income | 136.85% | 2024 |
Closest to Kosovo in the 2025 ranking
- Georgia — 24th of 110: 66.57%
- St. Kitts and Nevis — 25th of 110: 65.03%
- Saudi Arabia — 26th of 110: 64.31%
- South Africa — 28th of 110: 59.19%
- Tunisia — 29th of 110: 57.64%
- Ecuador — 30th of 110: 57.64%
What this measures
Domestic credit to private sector by banks refers to financial resources provided to the private sector by other depository corporations (deposit taking corporations except central banks), such as through loans, purchases of nonequity securities, and trade credits and other accounts receivable, that establish a claim for repayment. For some countries these claims include credit to public enterprises. This indicator is expressed as a percentage of Gross Domestic Product (GDP) which is the total income earned through the production of goods and services in an economic territory during an accounting period.
Limitations: Credit to the private sector may sometimes include credit to state-owned or partially state-owned enterprises.
Regional and income-group figures are computed by the World Bank as a weighted average.
All 18 values
| Year | Domestic credit to private sector by banks (% of GDP) |
|---|---|
| 2025 | 59.94 |
| 2024 | 55.67 |
| 2023 | 50.53 |
| 2022 | 48.73 |
| 2021 | 46.96 |
| 2020 | 47.76 |
| 2019 | 42.81 |
| 2018 | 41.13 |
| 2017 | 38.98 |
| 2016 | 36.75 |
| 2015 |
Domestic credit to private sector by banks (% of GDP) in nearby economies
- Albania — 34.03% (2025)
- Armenia — 68.68% (2025)
- Austria — 81.5% (2024)
- Azerbaijan — 22.84% (2025)
- Belarus — 24.11% (2021)
- Belgium — 66.79% (2024)
- Bosnia and Herzegovina — 46.14% (2025)
- Bulgaria — 47.03% (2024)
- Croatia — 46.84% (2024)
- Cyprus
More financial sector data for Kosovo
- Bank liquid reserves to bank assets ratio (%) — 8.84% (2024)
- Net domestic credit (current LCU) — 5.61 billion (2024)
- Net foreign assets (current LCU) — 2.4 billion (2024)
- Broad money (current LCU) — 6.17 billion (2024)
- Consumer price index (2010 = 100) — 151.11 (2025)
- Official exchange rate (LCU per US$, period average) — US$0.89 (2025)
- Claims on central government (annual growth as % of broad money) — -1.23% (2024)
- Claims on other sectors of the domestic economy (annual growth as % of broad money) — 16.34% (2024)
- Claims on private sector (annual growth as % of broad money) — 15.85% (2024)
Reading data like this
Questions people ask
- What is Kosovo's domestic credit to private sector by banks (% of GDP)?
- 59.94% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 2008?
- It is up 26.51 percentage points from 33.43% in 2008. The highest value was 59.94% in 2025 and the lowest 33.43% in 2008.
Source
World Bank, World Development Indicators, indicator FD.AST.PRVT.GD.ZS, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF); World Development Indicators Database, World Bank (WB); National Accounts data files, Organisation for Economic Co-operation and Development (OECD) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
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