[
1. Ademosu, A. & Morakinyo, A. (2021), Financial System and SMEs Access to Finance: A Market-oriented Approach. Studia Universitatis Vasile Goldis Arad, Seria Stiinte Economice, 31(3), 21-36.10.2478/sues-2021-0012
]Search in Google Scholar
[
2. Akomea, S.Y. & Adusei, M. (2013), Bank Recapitalization and Market Concentration in Ghana’s Banking Industry: A Herfindahl-Hirschman Index Analysis. Global Journal of Business Research 7(3), 31-45.
]Search in Google Scholar
[
3. Alhadeff, D. (1954), Monopoly and Competition in Banking. Barkeley: University of California.10.1525/9780520345546
]Search in Google Scholar
[
4. Allen, F. & Gale, D. (2000), Comparing Financial Systems. Cambridge and London; MIT press.
]Search in Google Scholar
[
5. Allen, F., Gersbach, H., Krahnen, J.P. & Santomero, A.M. (2002), Competition Among Banks: Introduction and Conference Overview. European Finance Review 5, 1-11.
]Search in Google Scholar
[
6. Allen, F., Galle, D.M. (2004), Competition and Financial Stability. Journal of Money, Credit, and Banking, 36(3 Part 2), 433-480. doi:DOI: 10.1353/mcb.2004.003810.1353/mcb.2004.0038
]Search in Google Scholar
[
7. Anzoategui, D., Pería, M.M. & Melecky, M. (2010), Banking Sector Competition in Russia. Policy Research Working Paper 5449; Eastern Europe and Central Asia. The World Bank. Retrieved from https://openknowledge.worldbank.org/bitstream/handle/10986/3932/WPS5449.pdf10.1596/1813-9450-5449
]Search in Google Scholar
[
8. Arben, M. & Toçi, V. (2018), Banking Sector Competition in the Panzar-Rosse Framework and Net Interest Margins: An Empirical Analysis Using the General Method of Moments. Croatian Economic Survey, 20(1), 5-31. doi:10.15179/ces.20.1.110.15179/ces.20.1.1
]Search in Google Scholar
[
9. Avdullahi, A. & Fejza, V. (2015), Efficiency Improvement and Quality Initiatives Application in Financial Institutions. Iliria International Review, 5(1), 133-147. doi:10.21113/iir.v5i1.1310.21113/iir.v5i1.13
]Search in Google Scholar
[
10. Baumol, W.J., Panzar, J. C. & Willing, R.D. (1983), Contestable markets: An uprising in the theory of industry structure: Replay. The American Economic Review, 491-496.
]Search in Google Scholar
[
11. Beck, T., Demirgüç-Kunt, A. & Levine, R. (2006), Bank concentration, competition, and crises: First results. Journal of Banking & Finance, 36(5), 1581-1603. doi:DOI: 10.1016/j.jbankfin.2005.05.01010.1016/j.jbankfin.2005.05.010
]Search in Google Scholar
[
12. Beck, T. (2008), Bank competition and financial stability: Friends or Foes? Policy Research Working Paper Series 4656. The World Bank.10.1596/1813-9450-4656
]Search in Google Scholar
[
13. Berger, A.N., Klapper, L.F. & Turk-Ariss, R. (2009), Bank Competition and Financial Stability. Journal of Financial Services Research, 35 (2), 99-118.10.1007/s10693-008-0050-7
]Search in Google Scholar
[
14. Berger, W.J. & Hannan, T.H. (1989), The price-concentration relationship in banking. Review of Economics and Statistics, 71(2), 291-299.10.2307/1926975
]Search in Google Scholar
[
15. Bhatt, S.J. & Gor, K. (2012), Recent Trends in Marketing Strategy in Banking Sector. Journal of Management and Research, IBMRD.
]Search in Google Scholar
[
16. Boyd, H. & De Nicolo, G. (2005), The theory of bank risk-taking and competition revisited. The Journal of Finance, 60(3), 1329-1343. doi:10.1111/j.1540-6261.2005.00763.x10.1111/j.1540-6261.2005.00763.x
]Search in Google Scholar
[
17. Carletti, E. & Hartmann, P. (2002), Competition and Stability: What’s Special About Banking? Working Paper No. 146. European Central Bank.10.2139/ssrn.357880
]Search in Google Scholar
[
18. CBK. (2015), Central Bank of Kosovo. Retrieved 2018, from CBK: https://bqkkos.org/?lang=en
]Search in Google Scholar
[
19. CBK. (2017), Financial Stability, Number 12. Prishtinë: Central Bank of Kosovo - CBK. Retrieved from https://bqk-kos.org/repository/docs/2017/CBK_FSR_12.pdf
]Search in Google Scholar
[
20. CBK. (2018), Quarterly Assessment of the Financial System No. 21, Q IV/2017. Prishtina: Central Bank of Kosovo - CBK.
]Search in Google Scholar
[
21. Cetorelli, N. (2003), Life-Cycle Dynamics in Industrial Sectors. The Role of Banking Market Structure. SSRN Electronic Journal, 85, 135-148. doi:10.2139/ssrn.36720110.2139/ssrn.367201
]Search in Google Scholar
[
22. Cetorelli, N. & Strahan, P. (2006), Finance as a barrier to entry: Bank competition and Industry Structure in Local U.S. Markets. Journal of Finance, 61(1), 437-461. doi:https://doi.org/10.1111/j.1540-6261.2006.00841.x10.1111/j.1540-6261.2006.00841.x
]Search in Google Scholar
[
23. Chaker, M.N. (2015), Consumers’ perceptions of banks’ country of origin in the UAE. Eurasioan Journal of Economics and Finance, 25-34.10.15604/ejef.2015.03.03.003
]Search in Google Scholar
[
24. Chan, D., Schumacher, D. & Tripe, D. (2007), Bank Competition in New Zealand and Australia. Centre for Financial Studies. Banking and Finance Conference. Melbourne: Centre for Financial Studies.
]Search in Google Scholar
[
25. Diallo, A. & Tomek, G. (2015), The Interpretation of the HH-Index Output Value When Used as Mobile Market Competitiveness Indicator. International Journal of Business and Management, Vol. 10, no. 12, 48-53.
]Search in Google Scholar
[
26. Durguti, E. (2015), Mbikqyrja Bankare në Stadin Aktual të Zhvillimit në Sistemin Bankar. (Implementimi i Rregullativës së Bazel III dhe Ndikimi i tij në Sistemin Bankar të Kosovës). Tiranë: Universiteti i Tiranës.
]Search in Google Scholar
[
27. Durguti, E.A., Krasniqi, H.E. & Krasniqi, D. (2020), Assessing the Performance of Factors Affecting the Profitability of the Banking System: Evidence from Kosovo. European Journal of Sustainable Development, 9(2), 304-314. doi:10.14207/ejsd.2020.v9n2p30410.14207/ejsd.2020.v9n2p304
]Search in Google Scholar
[
28. Fejza, V., Bajrami, H. & Livoreka, R. (2018), Customer Behavior in Commercial Banks of Kosovo. International Journal of Business and Management, Vol. VI(2), 17-35.10.20472/BM.2018.6.2.002
]Search in Google Scholar
[
29. Fischer, G. (1968), American Banking Structure. New York: Columbia University Press.
]Search in Google Scholar
[
30. Freixas, X. & Rochet, J. (1997), Microeconomics of Banking. Cambridge: MIT Press.
]Search in Google Scholar
[
31. Gilbert, R. (1984), Bank Market Structure and Competition: A Survey. Journal of Money, Credit and Banking 16, 617-644.10.2307/1992096
]Search in Google Scholar
[
32. Giron, A., Meireles, M. & Reyes, A. (2019), Banking Concentration and Financial Reorganization: Greece, Portugal, and Spain in the post-crisis period. PSL Quarterly Review, Vol. 72, no. 291, 259-277.
]Search in Google Scholar
[
33. Hannan, T.H. (1991), Bank commercial loan markets and the role of market structure: Evidence from surveys of commercial lending. Journal of Banking & Finance, 15(1), 133-149.10.1016/0378-4266(91)90042-K
]Search in Google Scholar
[
34. Hellmann, T.F., Murdock, K.C. & Stiglitz, J.E. (2000), Liberalization, moral hazard in banking and prudential regulation: Are capital controls enough? American, 90(1), 147-165. doi:10.1257/aer.90.1.14710.1257/aer.90.1.147
]Search in Google Scholar
[
35. Hirschman, A.O. (1964), The Paternity of an Index. The American Economic Review.
]Search in Google Scholar
[
36. Hyz, A. (2020), State of Greek banking sector. In A. Hyz, SME Finance and the Economic Crisis. Routledge.10.4324/9780429425806
]Search in Google Scholar
[
37. Iveta, R. (2012), Market Power in the Czech Banking Sector. Journal of Competitiveness, Vol. 4, Issue 1, 143-155.
]Search in Google Scholar
[
38. Jensen, M. & Meckling, W. (1976), Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure. Journal of Financial Economics, 3, 305-360.10.1016/0304-405X(76)90026-X
]Search in Google Scholar
[
39. King, R. & Levine, R. (1993), Finance and Growth: Schumpeter Might Be Right. Quarterly Journal of Economics 108, 717-737.10.2307/2118406
]Search in Google Scholar
[
40. Krasniqi, F.X. (2018), Strukturat e Tregut. Prishtinë: Instituti i Financave të Kosovës - IFK.
]Search in Google Scholar
[
41. Levin, D. (1990), Horizontal Mergers: The 50 Percent Benchmark. The American Economic Review 80(5), 1238-1245.
]Search in Google Scholar
[
42. Levine, R. (1997), Financial Development and Economic Growth: Views and Agenda. Journal of Economic Literature 35, 688-726.
]Search in Google Scholar
[
43. Lijesen, M.G., Nijkamp, P. & Rietveld, P. (2002), Measuring Competition in Civil Aviation. Journal of Air Transport Management, Vol. 8, 189-197.10.1016/S0969-6997(01)00048-5
]Search in Google Scholar
[
44. Lijesin, M.G., Nijkamp, P. & Rietveld, P. (2002), Measuring Competition in Civil Aviation. Journal of Air Transport Management, Vol. 8, 189-197.10.1016/S0969-6997(01)00048-5
]Search in Google Scholar
[
45. Lleshi, S. & Lani, L. (2017), Effects of a Quality Management System on the Financial Performance in Banking Sector: Case Study Kosovo. European Journal Of Multidisciplinary Studies, 2(2), 67-75. doi:10.26417/ejms.v2i2.67-75
]Search in Google Scholar
[
46. Mastromatteo, G. & Esposito, L. (2016), Minsky at Basel: A Global Cap to Build an Effective Postcrisis Banking Supervision Framework. Levi Economic Institute Working Paper, no. 875. Annandale-on-Hudson (NY): Levy Economics Institute of Bard College.10.2139/ssrn.2845995
]Search in Google Scholar
[
47. Mishkin, F.S. (1999), Financial Consolidation: Dangers and Opportunities. Journal of Banking and Finance, 23, 675-691. doi: DOI 10.3386/w665510.3386/w6655
]Search in Google Scholar
[
48. Mustafa, A. & Toçi, V. (2018b), Banking Sector Competition in the Panzar-Rosse Framework and Net Interest Margins: An Empirical Analysis Using the General Method of Moments. Croatian Economic Survey, 20(1), 5-36. doi:10.15179/ces.20.1.110.15179/ces.20.1.1
]Search in Google Scholar
[
49. Mustafa, A. & Toçi, V. (2018a), The Impact of Banking Sector Competition on Banks’ Risk-taking in Transition Economies of Central And South-Eastern Europe. South East European Journal of Economics and Business, Vol 13 (1), 31-42. doi:10.2478/jeb-2018-000410.2478/jeb-2018-0004
]Search in Google Scholar
[
50. Nabiyev, J., Musayev, K. & Yusifzada, L. (2016), Banking Competition and Financial Stability: Evidence from CIS. Munich Personal RePEc Archive, Paper No. 72167.
]Search in Google Scholar
[
51. Northcott, C.A. (2004), Competition in Banking: A Review of the Literature. Ottawa, Ontario: Bank of Canada.
]Search in Google Scholar
[
52. Omodero, C.O. (2021), Fintech Innovation in the Financial Sector: Influence of E-Money Products on a Growing Economy. Studia Universitatis Vasile Goldis Arad, Seria Stiinte Economice, 31(4), 40-53.10.2478/sues-2021-0018
]Search in Google Scholar
[
53. Park, K.H. (2016), How Competitive and Stable is the Commercial Banking Industry in China after Bank Reforms. KDI Journal of Economic Policy, Vol. 38, No. 1, 53-70.
]Search in Google Scholar
[
54. Petersen, M. & Rajan, R. (1995), The Effect of Credit Market Competition on Lending Relationships. The Quarterly Journal of Economics, 110(2), 407-443. doi:10.2307/211844510.2307/2118445
]Search in Google Scholar
[
55. Pruteanu-Podpiera, A., Weill, L. & Schobert, F. (2008), Banking Competition and Efficiency: A Micro-Data Analysis on the Czech Banking Industry. Comparative Economic Studies, 253-273.10.1057/palgrave.ces.8100248
]Search in Google Scholar
[
56. Rafay, A. & Farid, S. (2018), Competitive Environment in Banking Industry: Evidence from an Emerging Economy. Business & Economic Review. Vol. 10, No. 3, 65-84.
]Search in Google Scholar
[
57. Rhoades, S. (1982), Welfare Loss, Redistribution Effects and Restriction of Output Due to Monopoly Banking. Journal of Monetary Economics, 375-387.10.1016/0304-3932(82)90024-1
]Search in Google Scholar
[
58. Sanni, M., Salami, A.A. & Uthman, A.B. (2020), Determinants of Bank Performace in Nigeria: Do They Behave Differently With Risk-adjusted Returns? Studia Universitatis Vasile Goldis Arad, Seria Stiinte Economice, 30(3), 1-34.10.2478/sues-2020-0015
]Search in Google Scholar
[
59. Shabani, H., Morina, F. & Misiri, V. (2019), The Effect of Capital Adequacy on Returns of Assets of Commercial Banks in Kosovo. European Journal of Sustainable Development, 8(2), 201-208. doi:https://doi.org/10.14207/ejsd.2019.v8n2p20110.14207/ejsd.2019.v8n2p201
]Search in Google Scholar
[
60. Shijaku, G. & Kalluci, I. (2013), Determinants of bank credit to the private sector: the case of Albania. BK Tirana 36. Tirana: BK.
]Search in Google Scholar
[
61. Slahor, L., Majercakova, D. & Mittelman, A. (2015), An empirical study of the correlation between the monetary aggregates and the price level in Euro Area in the years 2004 - 2013. Eurasian Journal of Economics and Finance,e Vol.3, Issue 1, 38-50.
]Search in Google Scholar
[
62. Tabak, B.M., Dimas, F.M. & Cajue, D.O. (2012), The relationship between banking market competition and risk-taking: Do size and capitalization matter? Journal of Banking & Finance, 36(12), 3366-3381. doi:10.1016/j.jbankfin.2012.07.02210.1016/j.jbankfin.2012.07.022
]Search in Google Scholar
[
63. Tmava, Q., Avdullahi, A. & Sadikaj, B. (2018), Loan portfolio and nonperforming loans in Western Balkan Countries. Journal of the Finance & Banking Studies, 7(4), 10-20. doi:doi.org/10.20525/ijfbs.v7i4.203
]Search in Google Scholar
[
64. Zogjani, J., Mazelliu, M. & Humolli, B. (2018), The efficiency and impact of banking electronic services: evidence for Kosovo. International Journal of Financial Innovation in Banking, 2(1), 82-93. doi:https://doi.org/10.1504/IJFIB.2018.09242110.1504/IJFIB.2018.092421
]Search in Google Scholar