Businesses take out more property loans/ Real estate loans and overdrafts take the lion's share
Albanian businesses continued to increase borrowing in May, with a focus mainly on real estate and short-term financing. According to data from the “Bank of Albania”, private non-financial corporations benefited from 25.5 billion lek in new loans, up from 23 billion lek in the same month last year, marking an increase of 11%.
Real estate loans continue to hold the largest share of financing. In euros alone, businesses received 5.83 billion lek in loans for this purpose, up from 4.61 billion lek a year earlier, or 26.4% more. Together with loans in lek, real estate financing reached 7.69 billion lek, being the main purpose of business borrowing during May.
Another segment with significant growth was overdrafts, commonly used for short-term liquidity needs. Total overdrafts increased to 10.18 billion lek, from 8.44 billion lek in May 2025, or about 20.6% more. The growth was mainly supported by overdrafts in lek, but also by the expansion of financing in dollars.
The situation is different for loans related to investments in equipment. Financing for equipment purchases fell to 1.90 billion lek, from 2.19 billion lek a year earlier, marking a decrease of about 13%. Working capital in lek also declined, although this was partially offset by an increase in borrowing in euro for the same purpose.
Overall, the data show that businesses are moving more towards financing real estate and securing short-term liquidity, while investments in equipment have shown a slowdown compared to a year ago.
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