Non-performing loans at 18-year low/ The indicator fell to 3.75% in April. Banks maintain stability
The non-performing loan ratio in the Albanian banking system fell to 3.75% at the end of April 2026, from 3.85% a month earlier. According to Bank of Albania data, this is the lowest level recorded since January 2008, confirming the further improvement in the quality of the loan portfolio in the banking sector.
After slight fluctuations during the first months of the year, the indicator has returned to a downward trajectory. In January 2026, the non-performing loan ratio was 3.85%, in February it dropped to 3.80%, in March it returned to 3.85%, while in April it fell to 3.75%. The performance shows that the level of non-performing loans continues to remain low and far from the high levels recorded after the financial crisis.
The improvement is also reflected in other asset quality indicators. Net non-performing loans to equity fell to 6.27%, from 6.56% in March, while net non-performing loans to tier 1 capital fell to 5.71%, from 5.96% a month earlier. Similarly, net non-performing loans to total assets decreased to 5.67%, from 6% in March.
Meanwhile, the level of liquidity in the banking sector remains high, although it has marked a slight decrease from month to month. Liquid assets accounted for 30.23% of total assets at the end of April, from 30.65% in March, indicating that banks continue to have sufficient capacity to meet short-term liabilities.
Banking sector profitability also remains at good levels. The return on equity (ROE) indicator increased to 12.17% in April, from 11.83% in March, although it remains lower compared to the beginning of the year.
Overall, Bank of Albania data show that the Albanian banking system continues to maintain a healthy financial position, with a low level of non-performing loans, good capitalization and sufficient liquidity to support lending activity.
'New law on strategic investments within the year' - Ibrahimaj: We will strengthen legal security for investors
The Minister of Economy and Innovation, Delina Ibrahimaj, announced that the government is working on drafting a new legal framework for strategic......
Dollar continues to rise – Swiss Franc weakens significantly
The US dollar had a slight increase in value this Wednesday, just like yesterday, continuing an upward trend throughout this week, as it was bought today for......
Hoxha in Sofia: Albania and Bulgaria deepen cooperation in energy, infrastructure and Corridor VIII
Minister for Europe and Foreign Affairs, Ferit Hoxha, held a bilateral meeting with his Bulgarian counterpart, Velislava Petrova, during his visit to the......
Zvërneci, Prime Minister Rama meeting with European journalists: There is still no project
Prime Minister Edi Rama had a long communication today with journalists from European Union countries. The head of government gave his explanations regarding......
Kundërshtimet për projektin në Zvërnec, Komisioni Europian: Po i ndjekim nga afër zhvillimet
Komisioni Evropian i ka kërkuar Shqipërisë të veprojë pa vonesë për të siguruar që është në përputhje me legjislacionin mjedisor të BE-së, tha një zëdhënës i......
Vocational education aims to expand - Rama: Salaries of tourism workers, the same as in Greece and Croatia
Prime Minister Edi Rama stated that vocational education in the country has undergone a significant transformation in recent years. At the 3rd National......
Taxis in Albania, among the most expensive in Europe/ The growth of tourism has increased the demand for transportation, but prices have decreased
Albania ranks among the countries with the highest taxi fares in Europe, according to the latest data from the international platform Numbeo. The average......
Ibrahimaj: Albania needs more skills and innovation to remain competitive
The Minister of Economy and Innovation, Delina Ibrahimaj, emphasized the importance of investing in human capital during the National Conference on......
