{"id":76244,"date":"2025-02-11T18:05:52","date_gmt":"2025-02-11T17:05:52","guid":{"rendered":"https:\/\/euronews.al\/en\/?p=76244"},"modified":"2025-02-11T18:21:41","modified_gmt":"2025-02-11T17:21:41","slug":"bad-loans-decline-to-lowest-level-in-10-years","status":"publish","type":"post","link":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/","title":{"rendered":"Bad Loans Decline to Lowest Level in 10 Years"},"content":{"rendered":"<p class=\"p1\">Bad loans are decreasing. By the end of December 2024, they accounted for 4.17% of the total loan portfolio, marking the lowest level in the past 10 years. In November, the rate stood at 4.48%, while in 2023, bad loans made up 5% of the total.<\/p>\n<p class=\"p1\"><span class=\"s2\">According to data from the Bank of Albania, the quality of the loan portfolio improved at the beginning of 2024 and continued to do so in the second half of the year, defying initial expectations that inflation and interest rates would increase the level of problematic loans.<\/span><\/p>\n<p class=\"p1\"><span class=\"s2\">The progress in resolving this issue is also attributed to banks, which have exercised greater caution in loan approvals in recent years.<\/span><\/p>\n<p class=\"p1\"><span class=\"s2\">Additionally, there has been a shift in the behavior of businesses and individuals, who have increasingly opted for the Albanian lek.<\/span><\/p>\n<p class=\"p1\"><span class=\"s2\">Observing the exchange rate trends, which have depreciated the value of foreign currencies, the tendency to take loans in euros or dollars has declined.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bad loans are decreasing. By the end of December 2024, they accounted for 4.17% of the total loan portfolio, marking the lowest level in the past 10 years. In November, the rate stood at 4.48%, while in 2023, bad loans made up 5% of the total. According to data from the Bank of Albania, the [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":76245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[153,1803],"tags":[243,151],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania\" \/>\n<meta property=\"og:description\" content=\"Bad loans are decreasing. By the end of December 2024, they accounted for 4.17% of the total loan portfolio, marking the lowest level in the past 10 years. In November, the rate stood at 4.48%, while in 2023, bad loans made up 5% of the total. According to data from the Bank of Albania, the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\" \/>\n<meta property=\"og:site_name\" content=\"Euronews Albania\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/euronews.al\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-11T17:05:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T17:21:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png\" \/>\n\t<meta property=\"og:image:width\" content=\"812\" \/>\n\t<meta property=\"og:image:height\" content=\"490\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nen Si\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@euronewsalbania\" \/>\n<meta name=\"twitter:site\" content=\"@euronewsalbania\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nen Si\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\"},\"author\":{\"name\":\"Nen Si\",\"@id\":\"https:\/\/euronews.al\/en\/#\/schema\/person\/444d280f35e047949b7f0bc08093608f\"},\"headline\":\"Bad Loans Decline to Lowest Level in 10 Years\",\"datePublished\":\"2025-02-11T17:05:52+00:00\",\"dateModified\":\"2025-02-11T17:21:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\"},\"wordCount\":161,\"publisher\":{\"@id\":\"https:\/\/euronews.al\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png\",\"keywords\":[\"kryesore 1\",\"Kryesoret\"],\"articleSection\":[\"Albania\",\"Latest news\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\",\"url\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\",\"name\":\"Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania\",\"isPartOf\":{\"@id\":\"https:\/\/euronews.al\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png\",\"datePublished\":\"2025-02-11T17:05:52+00:00\",\"dateModified\":\"2025-02-11T17:21:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage\",\"url\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png\",\"contentUrl\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png\",\"width\":812,\"height\":490},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/euronews.al\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bad Loans Decline to Lowest Level in 10 Years\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/euronews.al\/en\/#website\",\"url\":\"https:\/\/euronews.al\/en\/\",\"name\":\"Euronews Albania\",\"description\":\"Top stories in Albania, Kosovo and the Balkans\",\"publisher\":{\"@id\":\"https:\/\/euronews.al\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/euronews.al\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/euronews.al\/en\/#organization\",\"name\":\"Euronews Albania\",\"url\":\"https:\/\/euronews.al\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/euronews.al\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2020\/09\/logo-mobile-euronews-albania-1.png\",\"contentUrl\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2020\/09\/logo-mobile-euronews-albania-1.png\",\"width\":280,\"height\":33,\"caption\":\"Euronews Albania\"},\"image\":{\"@id\":\"https:\/\/euronews.al\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/euronews.al\/\",\"https:\/\/x.com\/euronewsalbania\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/euronews.al\/en\/#\/schema\/person\/444d280f35e047949b7f0bc08093608f\",\"name\":\"Nen Si\",\"sameAs\":[\"http:\/\/euronews.al\/en\"],\"url\":\"https:\/\/euronews.al\/en\/author\/nensi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/","og_locale":"en_US","og_type":"article","og_title":"Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania","og_description":"Bad loans are decreasing. By the end of December 2024, they accounted for 4.17% of the total loan portfolio, marking the lowest level in the past 10 years. In November, the rate stood at 4.48%, while in 2023, bad loans made up 5% of the total. According to data from the Bank of Albania, the [&hellip;]","og_url":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/","og_site_name":"Euronews Albania","article_publisher":"https:\/\/www.facebook.com\/euronews.al\/","article_published_time":"2025-02-11T17:05:52+00:00","article_modified_time":"2025-02-11T17:21:41+00:00","og_image":[{"width":812,"height":490,"url":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png","type":"image\/png"}],"author":"Nen Si","twitter_card":"summary_large_image","twitter_creator":"@euronewsalbania","twitter_site":"@euronewsalbania","twitter_misc":{"Written by":"Nen Si","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#article","isPartOf":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/"},"author":{"name":"Nen Si","@id":"https:\/\/euronews.al\/en\/#\/schema\/person\/444d280f35e047949b7f0bc08093608f"},"headline":"Bad Loans Decline to Lowest Level in 10 Years","datePublished":"2025-02-11T17:05:52+00:00","dateModified":"2025-02-11T17:21:41+00:00","mainEntityOfPage":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/"},"wordCount":161,"publisher":{"@id":"https:\/\/euronews.al\/en\/#organization"},"image":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage"},"thumbnailUrl":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png","keywords":["kryesore 1","Kryesoret"],"articleSection":["Albania","Latest news"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/","url":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/","name":"Bad Loans Decline to Lowest Level in 10 Years - Euronews Albania","isPartOf":{"@id":"https:\/\/euronews.al\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage"},"image":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage"},"thumbnailUrl":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png","datePublished":"2025-02-11T17:05:52+00:00","dateModified":"2025-02-11T17:21:41+00:00","breadcrumb":{"@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#primaryimage","url":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png","contentUrl":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2025\/02\/IMG_0915.png","width":812,"height":490},{"@type":"BreadcrumbList","@id":"https:\/\/euronews.al\/en\/bad-loans-decline-to-lowest-level-in-10-years\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/euronews.al\/en\/"},{"@type":"ListItem","position":2,"name":"Bad Loans Decline to Lowest Level in 10 Years"}]},{"@type":"WebSite","@id":"https:\/\/euronews.al\/en\/#website","url":"https:\/\/euronews.al\/en\/","name":"Euronews Albania","description":"Top stories in Albania, Kosovo and the Balkans","publisher":{"@id":"https:\/\/euronews.al\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/euronews.al\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/euronews.al\/en\/#organization","name":"Euronews Albania","url":"https:\/\/euronews.al\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/euronews.al\/en\/#\/schema\/logo\/image\/","url":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2020\/09\/logo-mobile-euronews-albania-1.png","contentUrl":"https:\/\/euronews.al\/en\/wp-content\/uploads\/2020\/09\/logo-mobile-euronews-albania-1.png","width":280,"height":33,"caption":"Euronews Albania"},"image":{"@id":"https:\/\/euronews.al\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/euronews.al\/","https:\/\/x.com\/euronewsalbania"]},{"@type":"Person","@id":"https:\/\/euronews.al\/en\/#\/schema\/person\/444d280f35e047949b7f0bc08093608f","name":"Nen Si","sameAs":["http:\/\/euronews.al\/en"],"url":"https:\/\/euronews.al\/en\/author\/nensi\/"}]}},"_links":{"self":[{"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/posts\/76244"}],"collection":[{"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/comments?post=76244"}],"version-history":[{"count":1,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/posts\/76244\/revisions"}],"predecessor-version":[{"id":76246,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/posts\/76244\/revisions\/76246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/media\/76245"}],"wp:attachment":[{"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/media?parent=76244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/categories?post=76244"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/euronews.al\/en\/wp-json\/wp\/v2\/tags?post=76244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}