TIRANA, Aug 10 /ATA/ – The ratio of non-performing loans (NPLs) in Albania’s banking system fell to 3.7% of total lending in June, from 3.77% in May, returning to a downward trend, Bank of Albania data showed on Monday.
The June ratio was the lowest recorded since 2007. Compared with June 2025, the NPL ratio fell by 0.31 percentage points, extending the indicator’s improving trend.
NPLs remain higher among businesses than individuals, although the ratio for businesses also improved in 2025, falling by 0.5 percentage points.
Individuals continued to have the stronger loan repayment performance, with their NPL ratio falling to 2.6% at the end of 2025, from 2.9% a year earlier, according to the central bank.
For businesses, the NPL ratio stood at 4.7% at the end of 2025, down from 5.2% at the end of 2024.
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