Date of Conferral

2-25-2026

Degree

Ph.D.

School

Management

Advisor

Kimberly Anthony

Abstract

The profitability of commercial banks is a key indicator of financial system stability and economic growth, albeit Kosovo’s banking sector continues to face challenges from nonperforming loans, regulatory constraints, and limited innovation. Corporate managers at Kosovo’s commercial banks are reporting low profit performance despite overall sector stability. The purpose of this qualitative single-case study was to explore how corporate managers contribute to improving profit performance in Kosovo’s commercial banks. The resource-based view and corporate governance theory provided the theoretical foundation. The participants comprised 20 corporate managers at commercial banks in Kosovo. Data were collected using semistructured interviews and public documents. Six core themes emerged from the thematic analysis: (a) managerial decision making, (b) strategies for profitability, (c) governance and compliance, (d) addressing challenges, (e) human resources and organizational culture, and (f) future outlook. Key findings indicate that effective risk management, digital transformation, strong governance, and long-term strategic planning are critical to profitability. Corporate managers can use these identified strategies to shape financial resilience through innovation, sustainability, and ethical governance. Recommendations include enhancing managerial training, strengthening regulatory collaboration, and investing in digital infrastructure. Potential implications for positive social change include executives and corporate managers advancing financial inclusion, promoting employment to sustain banking growth, and supporting Kosovo’s broader economic development through stable and responsible financial management.

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