Development Bank, the support point of the Industrial Strategy - Financing the industry remains the biggest challenge for sectoral development

Albanian manufacturing businesses continue to face difficulties in accessing financing. The National Industrial Strategy 2026–2030 highlights that the banking system remains oriented mainly towards lower-risk sectors, while investments in industry, technology and production remain underfunded.
According to the document, the manufacturing industry absorbs about 10.6% of the loan stock, while trade dominates with 26% of the stock and 37% of new loans. This shows that banks continue to prefer sectors with faster turnover and lower perceived risk.
To address this gap, the strategy envisages the creation of a sustainable financing mechanism for productive investments, including dedicated windows for modernization, digitalization and energy efficiency. A special role is expected to be played by the Albanian Development Bank, which is mentioned as an instrument for supporting the productive sectors and small and medium-sized enterprises.
The goal is for businesses to have more access to credit, guarantees and risk sharing, reducing the burden of collateral and the cost of borrowing. For Albanian industry, financing remains the link that will determine whether the strategy will remain on paper or turn into real investments.
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