According to the Bank, on an annual basis, this indicator decreased by 0.5%, down from 3.4% at the end of 2023.

The Bank of Albania reports that non-performing loans for businesses also showed slight improvement over the past year.

Non-performing loans for businesses decreased to 5.1% by the end of 2024, compared to 5.7% the previous year.

When broken down by currency, non-performing loans denominated in foreign currency showed better performance than those in lek.

Overall, non-performing loans stood at 4.17% at the end of 2024, down from 4.74% a year earlier. By the end of April 2025, this indicator further decreased to 4.03%, with a value estimated at 35 billion lek.

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According to the BoA, this indicator recorded a slight increase compared to the corresponding period a year ago, which was at 5.21%.

Meanwhile, in October 2020, the non-performing loan ratio reached an all-time high of 5.8%, a level that can be considered as the peak of the crisis effect on the quality of the loan portfolio for households.

The BoA announces that, in the last months of 2020, this ratio dropped close to current levels. Currently, this ratio has hit again an all-time low since August 2020, the last month of the moratorium.
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