FLASH NEWS
Bad loans, close to 4.19% in November/ After summer signals, problem loans return to decline
2026-01-12 16:10:36 / EKONOMI&SOCIALE
After a period of stability for several months, the level of non-performing loans increased slightly during August and September, reaching 4.19% and 4.37%, respectively, from 4.04% in July. Although a small increase, this development marked an end to the downward trend that had characterized the previous months.
However, data for October showed that the downward trend returned again, while November also marks the same tendency. Referring to figures from the "Bank of Albania, the rate of non-performing loans in the eleventh month of last year was recorded at 4.19%
The non-performing loan ratio remains at historically low levels, reflecting a stable banking sector and good loan portfolio quality. Compared to the beginning of the year, the ratio has fluctuated slightly, moving between 4.0 and 4.37%.
More specifically, according to official statistics, 2025 began with a level of 4.12% of non-performing loans in January, then decreased to 4.02% in March. The ratio then stabilized around 4.0% during the spring, while in the summer months it showed a slight increase.
In the Albanian banking sector, the non-performing loan ratio is an essential indicator to measure the quality of a bank's loan portfolio. These indicators demonstrate that the banking system has the capacity to cope with risks, despite the slight increase in non-performing loans.
Compared to last year, non-performing loans continue to remain below the 5% threshold, a level considered healthy by the Bank of Albania and indicating a steady improvement in lending quality./ SCAN
Happening now...
ideas
top
TRENDING 
services
- POLICE129
- STREET POLICE126
- AMBULANCE112
- FIREFIGHTER128