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ALL 1.33 trillion in deposits. Albanians are saving, but they are also taking more loans

2024-11-01 11:07:02Biznes SHKRUAR NGA REDAKSIA VOX

ALL 1.33 trillion in deposits. Albanians are saving, but they are also taking

Until September, the savings of Albanians in banks reached the value of 1.33 trillion lek. According to data from the Bank of Albania, the annual growth in bank deposits was positive, reaching 4.1%.

Deposits in foreign currency have made the main contribution to the savings of Albanians, which account for about 56% of the total. By September, their value reached 742 billion ALL. Albanians prefer to keep more of their money in banks in euros, which reached the value of 8 billion in this 9-month period. While another part prefers in Lek. Although they recorded an annual increase, the savings in lek have decreased month after month.

While some citizens are saving, others have turned to banks for more loans. The new loan in the 9th month of 2024 reached 28.3 billion ALL with an increase of 14%.

It is the businesses that are increasing lending the most, to which about 203 billion new loans have been given. But the requests of individuals for loans are not left behind either. The Bank of Albania announced that for the month of September, financial institutions gave ALL 77.3 billion loans. Mainly in the purchase of real estate but also consumption.

If we stop by currency, a significant increase in new foreign currency loans is noted as a result of the exchange rate.

But the exposure of banks by giving many loans to the real estate sector will be limited by the Bank of Albania, in order to avoid the increase of problem loans. More than 50% of properties sold since 2020 have been purchased with bank loans, which has covered.


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