Government securities, not profitable for citizens - AFSA: Low interest to invest money in treasury bills and bonds
There are several instruments where Albanians can invest their money, one of them being government securities. Despite the fact that treasury bills and bonds are low-risk instruments, Albanians continue to show little interest in using them.
According to the Financial Supervisory Authority (AMF), in the first quarter of 2026, a total of 2,370 transactions were carried out by individuals in the primary market of government securities, with a decrease of about 18% compared to the first quarter of 2025, when their total was 2,876. Such a decrease in the number of transactions was also accompanied by a decrease in the volume of money invested in treasury bills and government bonds by citizens.
Individuals have purchased in the primary market, i.e. from direct purchases for the first time of government securities through auctions organized by the Bank of Albania, about 7.8 billion lek of government securities. The decrease is 15% compared to the first quarter of 2025, when total investments by individuals were 9.3 billion lek.
On the other hand, the volume of the secondary market of Government securities realized outside the Stock Exchange for the past year, which includes the sale of securities between banks, funds and other individual investors, after they were initially purchased by the Bank of Albania and before the end of their term, was dominated by 48% by transactions in long-term instruments (bonds) and 52% by transactions in short-term instruments (treasury bills).
In terms of the number of transactions, 85% of all transactions in the secondary market for government securities outside the stock exchange are in treasury bills. Participation in the secondary market for government securities outside the stock exchange during 2025 is dominated by individual investors, who carry out 98% of all transactions in this market.
Treasury bills are short-term financial instruments with maturities of 3, 6 and 12 months, while bonds are medium- and long-term instruments. Last year, 20-year bonds were issued for the first time as a market test.
To invest in treasury bills and bonds, citizens can participate directly in the Bank of Albania auctions or invest indirectly through investment funds, pension funds and other institutions authorized to invest in these instruments.
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