Risk management and profitability of commercial banks of Western Balkans countries of Kosovo, Albania, North Macedonia, and Serbia

Due to their importance, commercial banks currently play a very important role in national financial systems. The profitability of depends on how they manage loans, and credit risk management is thus crucial the banking system, significant activity bank. main purpose this study observe extent which bank dependent management, with focus Western Balkans (Kosovo, Albania, North Macedonia Serbia). results reveal certain assured correlation among as well banks, where ratio non-performing loans (NLPR) has positive effect return equity (ROE) assets (ROA). Capital Insufficiency (CAR) shows that dependence without any statistical significance (ROA).