Data from the Bank of Albania showed that lek-denominated loans accounted for 55.8% of total credit to the economy at the end of 2025, up from 54.7% a year earlier. Credit growth during the year was driven primarily by lending in the domestic currency.

Deposits also posted solid growth. The total value of deposits in the banking system reached 1.84 trillion lek at the end of 2025, marking an annual increase of 9.1%.

The share of deposits held in lek rose to 48.6% of total deposits, compared with 47.6% at the end of 2024, indicating that savings in the local currency expanded at a faster pace than foreign-currency deposits.

According to the central bank, the performance of foreign-currency deposits was partly affected by the strengthening of the lek, which reduced the value of those holdings when expressed in the domestic currency.

The figures underscore the continued trend of financial de-euroisation in Albania, as both borrowers and depositors increasingly favour the national currency.

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