Business Bank Credit Access Statistics in Kosovo (2026)
As of the 2025 data, 69.6% of firms in Kosovo had a bank loan or line of credit, per World Bank World Development Indicators. Up from 40.2% in 2019 to 69.6% in 2025 (+29.4 percentage points). Kosovo ranks #4 of 43 economies in Europe & Central Asia on this measure, and #6 of 145 globally.
Key Statistics
- Latest value (2025)
- 69.6% (2025)
- Business Bank Credit Access in Kosovo as of 2025, the most recent observation in World Bank World Development Indicators data.
- Change since 2019
- +29.4 pp (2025)
- Up from 40.2% in 2019 to 69.6% in 2025 (+29.4 percentage points).
- Earliest value in this dataset (2009)
- 15% (2009)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 15% in 2009 to 69.6% in 2025.
- Record high (2025)
- 69.6% (2025)
- The 2025 value is the highest in the available World Bank World Development Indicators series for Kosovo.
- Rank in Europe & Central Asia
- #4 of 43 (2025)
- Kosovo ranks 4 of 43 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #6 of 145 (2025)
- Kosovo ranks 6 of 145 countries with data globally.
- Europe & Central Asia average
- 44.8% (2025)
- Kosovo (69.6%) is above the average of 44.8% across the 43 countries in Europe & Central Asia with data.
- Firms using banks to finance working capital (% of firms) (2025)
- 61.9% (2025)
- Related indicator from World Bank World Development Indicators.
- Firms using banks to finance investment (% of firms) (2025)
- 65% (2025)
- Related indicator from World Bank World Development Indicators.
- Internet use in Kosovo (2018)
- 89.4% (2018)
- 89.4% of the population in Kosovo used the internet in 2018 (World Bank); shown for context only.
- Population (2024)
- 1.6 million (2024)
- Kosovo had a population of 1.6 million in 2024 (World Bank); shown for scale only.
Trend, 2009–2025
| Year | % of firms | Change |
|---|---|---|
| 2025 | 69.6% | +29.4 pp |
| 2019 | 40.2% | −27.2 pp |
| 2013 | 67.4% | +52.5 pp |
| 2009 | 15% | — |
Frequently asked questions
What share of firms in Kosovo had a bank loan or line of credit?
69.6% of firms in Kosovo had a bank loan or line of credit in 2025, according to World Bank World Development Indicators data.
How has business bank credit access in Kosovo changed over time?
World Bank World Development Indicators data show a rise from 15% in 2009 to 69.6% in 2025.
How does Kosovo compare with other countries in Europe & Central Asia?
Kosovo ranks 4 of 43 countries in Europe & Central Asia with data, with 69.6% versus a regional average of 44.8% (latest values per country).
Source & methodology
Source: World Bank, World Development Indicators, indicator
IC.FRM.BNKL.ZS, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .