Albanian households and businesses hold approximately ALL 1.8 trillion (around \u20ac18 billion) in bank deposits, while the country’s ten largest depositors account for about 7.5% of the total savings in the banking system.<\/p>\n
According to the Bank of Albania’s Supervision Report, total deposits reached ALL 1.8 trillion at the end of 2025, marking a 9.1% increase compared with the previous year.<\/p>\n
Customer deposits remain the primary source of funding for Albanian banks, with more than 80% of the banking sector’s funding coming from household and business savings.<\/p>\n
During the past year, the share of deposits held in the national currency also increased, reaching 49% of the total. Meanwhile, customers showed a stronger preference for term deposits, particularly long-term deposits, indicating a growing willingness to keep their savings in banks for extended periods.<\/p>\n
The report also points to a higher concentration of deposits, with the ten largest depositors now holding approximately 7.5% of total bank deposits\u2014an increase compared with the previous year.<\/p>\n
Individuals continue to account for the largest share of deposits, representing around 78% of total savings. The strongest growth was recorded among households and private-sector businesses, while deposits from the public sector increased at a more moderate pace.<\/p>\n
The loan-to-deposit ratio also continued to rise. By the end of 2025, the indicator reached 51.5%, up from 49.6% a year earlier, suggesting that banks are using a larger share of collected deposits to finance the economy while maintaining comfortable liquidity levels.<\/p>\n
In the domestic currency, the loan-to-deposit ratio remains higher than in foreign currencies, indicating that lending in Albanian lek continues to be supported primarily by savings held in the same currency.<\/p>\n","protected":false},"excerpt":{"rendered":"
Albanian households and businesses hold approximately ALL 1.8 trillion (around \u20ac18 billion) in bank deposits, while the country’s ten largest depositors account for about 7.5% of the total savings in the banking system. According to the Bank of Albania’s Supervision Report, total deposits reached ALL 1.8 trillion at the end of 2025, marking a 9.1% […]<\/p>\n","protected":false},"author":23,"featured_media":85533,"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":"\n