In its quarterly lending survey for Q2, 2025, the central bank reported that businesses across all categories showed high credit demand, both for financing operations and for investment purposes.

According to central bank, the growing need for consumption-related financing and home purchases were key drivers of credit demand. In contrast, credit demand for short-term liquidity needs remained low.

The survey found that banks maintained similar lending policies for businesses during the second quarter, keeping standards, terms, and conditions largely unchanged. The volume of loans approved also remained comparable to that of the first quarter.

For household lending, the central bank noted that lending conditions remained mostly stable, with no significant changes to standards or terms.

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According to central bank, “lending standards for investments and liquidities have not been changed.”

“According to the size of the business, lending standards were eased for small and medium-sized businesses, which make up the segment with the largest number of enterprises, while they remained unchanged for large businesses,” central bank said in its Bank Lending Survey.

The Bank of Albania expects commercial banks to further ease lending standards for small and medium-sized businesses in the second quarter of the year, whereas standards will remain unchanged for large businesses.

According to central bank experts, competition in the banking market, the level of banks’ liquidity and capital adequacy were factors contributing to the easing of credit standards for businesses.

In its report, the Bank noted that business demand for lending will keep growing in all segments of businesses.

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