{"id":25683,"date":"2026-03-26T08:33:42","date_gmt":"2026-03-26T07:33:42","guid":{"rendered":"https:\/\/altax.al\/?p=25683"},"modified":"2026-03-26T08:33:45","modified_gmt":"2026-03-26T07:33:45","slug":"trends-of-the-health-of-the-banking-system-and-creditors-in-2025-and-early-2026","status":"publish","type":"post","link":"https:\/\/altax.al\/en\/trends-of-the-health-of-the-banking-system-and-creditors-in-2025-and-early-2026\/","title":{"rendered":"Trends of the health of the banking system and creditors in 2025 and early 2026"},"content":{"rendered":"\n<p>The performance of the balance sheet of monetary institutions during the period <strong><a href=\"https:\/\/www.bankofalbania.org\/Statistikat\/Seri_Kohore\/?evb=agregate&amp;crd=0,8,13,0,0,16932&amp;uni=20260326081725162158210100251063&amp;ln=1&amp;mode=alone\">January 2025 \u2013 January 2026<\/a><\/strong> indicates a banking system in <strong>steady expansion<\/strong>, where growth rates are balanced and supported by real financial intermediation factors.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Month<\/th><th>Total Assets (mln ALL)<\/th><th>Loans (mln ALL)<\/th><th>Broad Deposits (mln ALL)<\/th><th>Loan-to-Deposit Ratio (LDR)<\/th><th>Capital-to-Assets Ratio<\/th><\/tr><\/thead><tbody><tr><td>Jan 2025<\/td><td>2,186,781<\/td><td>904,986<\/td><td>1,397,416<\/td><td>64.76%<\/td><td>10.49%<\/td><\/tr><tr><td>Apr 2025<\/td><td>2,164,591<\/td><td>943,911<\/td><td>1,375,536<\/td><td>68.62%<\/td><td>10.65%<\/td><\/tr><tr><td>Jul 2025<\/td><td>2,226,154<\/td><td>968,352<\/td><td>1,406,304<\/td><td>68.86%<\/td><td>10.58%<\/td><\/tr><tr><td>Jan 2026<\/td><td>2,349,362<\/td><td>1,021,476<\/td><td>1,506,292<\/td><td>67.81%<\/td><td>10.51%<\/td><\/tr><tr><td>YoY Change<\/td><td><strong>+7.43%<\/strong><\/td><td><strong>+12.87%<\/strong><\/td><td><strong>+7.79%<\/strong><\/td><td><strong>+3.05 pp<\/strong><\/td><td><strong>+0.02 pp<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The <strong>total asset growth of +7.43%<\/strong> is not merely a quantitative expansion, but reflects a gradual deepening of the role of banks in the economy, particularly in the second half of 2025 when the dynamics accelerated significantly.<\/p>\n\n\n\n<p>In this context, it clearly stands out that <strong>bank lending is the most dynamic component of the balance sheet (+12.87%)<\/strong>, significantly outpacing the growth of deposits (+7.79%). This differentiation is crucial: it shows that banks are not passively holding liquidity, but actively transforming it into financing for the real economy. As a result, the share of loans in total assets rises to <strong>around 43.5%<\/strong>, signaling an increase in financial intermediation \u2013 a key indicator for financial market development.<\/p>\n\n\n\n<p>However, this growth is not accompanied by liquidity pressures. On the contrary, the <strong>loan-to-deposit ratio (LDR) remains low, in the range of 64.8% \u2013 68.6%<\/strong>, one of the most conservative levels in the region. This is a strong signal of stability: banks still have considerable room to expand lending without relying on costly or unstable funding sources. At the same time, <strong>capital maintains a stable ratio of around 10.5% of assets<\/strong>, confirming that balance sheet expansion is supported by strong capital bases rather than excessive financial leverage.<\/p>\n\n\n\n<p>From the perspective of credit structure, developments are even more significant. Although <strong>businesses (non-financial corporations) remain the main recipients of credit (~50% of total)<\/strong>, their growth rate is relatively moderate (+7.9%). In contrast, <strong>households and other resident sectors show a much faster growth (+18.5%)<\/strong>, becoming the main driver of credit expansion. This structural shift suggests a reorientation of lending toward consumption and real estate, as well as toward the financing of small businesses.<\/p>\n\n\n\n<p>This development has dual implications. In the short term, <strong>the increase in household lending directly supports consumption and domestic demand<\/strong>, contributing to economic growth. At the same time, it may stimulate sectors such as construction and real estate. However, in a longer-term perspective, this trend requires monitoring, as <strong>rapid growth in consumer and mortgage lending may increase exposure to cyclical risks<\/strong>, particularly in the event of an economic slowdown or tightening monetary conditions.<\/p>\n\n\n\n<p>Another element reinforcing the stability outlook is the behavior of deposits. <strong>Their steady growth (+7.79%) reflects a high level of confidence in the banking system<\/strong>, providing the main funding base for banks. The absence of strong fluctuations or sudden withdrawals strengthens the perception of a stable and trustworthy system. This is further supported by the fact that <strong>exposure to complex instruments such as derivatives is minimal<\/strong>, while exchange rate effects remain contained.<\/p>\n\n\n\n<p>From the perspective of creditors, mainly depositors, the picture is clearly positive. <strong>High liquidity and strong bank capitalization create a solid protective buffer for deposits<\/strong>, significantly reducing systemic risk. At the same time, the lack of reliance on short-term external financing or international markets limits exposure to external shocks.<\/p>\n\n\n\n<p>In macroeconomic terms, the observed developments suggest that the banking system is playing an active role in supporting the economy. <strong>Credit expansion, especially toward resident sectors, is a clear signal of monetary policy transmission and increased financial intermediation<\/strong>. However, the divergence in growth rates across credit segments suggests that the structure of economic growth may increasingly rely on consumption rather than large productive investments.<\/p>\n\n\n\n<p>In summary, the overall picture is clear:<br><strong>The Albanian banking sector appears strong, liquid, and well-capitalized<\/strong>, with balanced growth and no immediate signs of risk.<br><strong>Financial intermediation is expanding<\/strong>, supporting economic activity.<br><strong>The main potential risk is linked to the acceleration of household lending<\/strong>, which requires attention to avoid the buildup of vulnerabilities in the future.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The performance of the balance sheet of monetary institutions during the period January 2025 \u2013 January 2026 indicates a banking system in steady expansion, where growth rates are balanced and [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":25684,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10475],"tags":[9776,20095,18272,20096,13141,16394,20093],"class_list":["post-25683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-business-en-2","tag-credit-growth","tag-euroization","tag-high-liquidity","tag-households","tag-non-financial-corporations","tag-resident-sectors"],"featured_image_src":{"landsacpe":["https:\/\/altax.al\/wp-content\/uploads\/2026\/03\/bankat-kredit-1-768x445.jpg",768,445,true],"list":["https:\/\/altax.al\/wp-content\/uploads\/2026\/03\/bankat-kredit-1-463x348.jpg",463,348,true],"medium":["https:\/\/altax.al\/wp-content\/uploads\/2026\/03\/bankat-kredit-1-300x225.jpg",300,225,true],"full":["https:\/\/altax.al\/wp-content\/uploads\/2026\/03\/bankat-kredit-1.jpg",768,576,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - 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