credit risk Archives

Albanian Banking System between Statistical Stability and Accumulated Risks

A Critical Reading of the Bank of Albania’s Financial Stability Report The latest financial stability report of the Bank of Albania constructs a broadly optimistic narrative regarding the condition of the banking sector and the resilience of the Albanian financial...

How do changes in interest rates affect the profitability of the bank and citizens and businesses?

The banking industry includes not only commercial banks (as we have them in Albania), but mainly investment banks, microcredit financial institutions (not banks) and pension and insurance companies[1]. All banks have large cash holdings. They hold a small amount...