euroization

Trends of the health of the banking system and creditors in 2025 and early 2026

The performance of the balance sheet of monetary institutions during the period January 2025 – January 2026 indicates a banking system in steady expansion, where growth rates are balanced and supported by real financial intermediation factors. MonthTotal Assets (mln ALL)Loans...

Exchange rate dynamics in Albania, 2015-2025 in a structural reading

The analysis of the behavior of the exchange rate in Albania during the period 2015–2025 shows that the relationship between the lek and macroeconomic factors is neither uniform in time nor symmetrical in intensity. The exchange rate does not react...

Monetary policy, Euroization challenges in 2025, and the need for credibility

Albania finds itself at a delicate juncture where its monetary policy no longer wields the influence it once did. While the central bank has raised interest rates and maintained the stability of the lek, a significant portion of the economy...

The Transformation of cross-border payments in Albania and the Region

In recent years, the cross-border payment system has entered a phase of profound transformation, reflecting not only technological developments but also the geopolitical tensions in the region. The modernization and digitalization of the payment system are among the key initiatives aimed...

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