TIRANA, May 2 /ATA/ – A total of 64,338 for bank loans were recorded in the second half of last year, with 8% of the loan applications submitted by enterprises and 92% of them filed by households.
Commercial banks reported that around 20.2% of the applications for loans were rejected, recording a net increase in the share of rejected applications by 2.1% compared to the first six months of 2022 and by 1.75 compared to the same period of the previous year.
This trend is driven by the increase in the share of the rejected loan applications for individuals to 21.6% (from 18.9% six months ago), whereas the rejection rates for small and medium-size enterprises and other enterprises (mainly large businesses), have fallen to 5.9% and 2.9% respectively.
The total rejection rate for loans from banks with domestic capital has pursued a downward trend in the last two years to 4.6% from 6.3% six months ago, while the rejection share from banks with foreign capital has increased to 28.5 % from 24%.
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