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In this research paper is analyzed the impact of banking efficiency on banking sector during of global financial crisis 2008 -2010 with special focus Kosovo and as the main arguments for discussions are as following: overall banking efficiency in Kosovo, difference between loan and deposit rates in banking sector and difference in efficiency among banks with domestic and foreign investment. In methodology, the data collections are from financial and banking institutions in Kosovo and they aredoi:10.5901/ajis.2015.v4n2p367 fatcat:cvjc2x2mjnexpiwsy2vt5oaucy