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How do Albanians save their savings in Lek? What are the most preferred deposits?

2024-08-08 09:29:22Biznes SHKRUAR NGA REDAKSIA VOX

How do Albanians save their savings in Lek? What are the most preferred

As a result of the higher interest rate, but not only, the most preferred deposits in lek are those with a term of over 2 years for individuals, while for businesses those with a term of one year. Accordingly, the total value of term deposits over 2 years reached 168 billion ALL at the end of the first half of the year, where more than 90% of this amount, or 160 billion, was the deposits of individuals.

In second place are one-year term deposits, where Albanians count about 117 billion ALL in savings during June, approximately 1 billion ALL more than at the end of May. On the other hand, time deposits are also classified as the most requested by Albanians, which can be seen in the increase of ALL 596 million compared to the total value of the first five months. Least preferred for individuals are deposits with a term of 1 month, the value of which reaches only 1.8 billion ALL.

The amount of one-year term deposits has reached ALL 8 billion for businesses, followed by open-term deposits, otherwise known as interest-free savings accounts, with ALL 5 billion in total. Deposits with a six-month term continue to remain less chosen by businesses, which reached the figure of 692 million at the end of the first six months.

How much has the value of deposits in Lek reached for individuals and businesses?

Savings in lek have suffered a significant decrease at the end of June, with the exception of those of individuals and less businesses. Official data from the Bank of Albania show that the total deposits in Lek at the end of the first half of the year were over 776 billion, about 2.9 billion less than in May. The deposits in June were very close to the value of the deposits in January, where their total amount was ALL 776,406.

The savings of businesses and individuals have undergone a small increase, while other categories have been the ones that have had the greatest impact on the decrease in the total value of deposits. Specifically, the value of deposits of private non-financial corporations reached from 109 billion that was in May to 112 billion ALL, while the value of deposits of public non-financial corporations reached from 21 billion to 22 billion ALL.

As far as individuals are concerned, the number and value of their deposits in banks has been accompanied by a significant increase. According to the information published by the Central Bank, the amount of their deposits in Lek reached 431 billion at the end of the five-month period, while at the end of June, this figure reached nearly 595 billion, almost 164 billion Lek more.


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