loan-extension-restructuring – Albanian  Telegraphic  Agency. https://en.ata.gov.al News Agency Mon, 12 Oct 2026 18:51:27 +0000 en-US hourly 1 Loan restructuring rises by 140% as businesses seek longer repayment periods https://en.ata.gov.al/2026/10/12/loan-restructuring-rises-by-140-as-businesses-seek-longer-repayment-periods/ https://en.ata.gov.al/2026/10/12/loan-restructuring-rises-by-140-as-businesses-seek-longer-repayment-periods/#respond Mon, 12 Oct 2026 18:42:59 +0000 https://en.ata.gov.al/?p=309175 TIRANA, Oct 12  /ATA/ Extending repayment periods remains the main form of loan restructuring in Albania’s banking system. In the first half of the year, the value of restructured loans reached around ALL 3 billion, marking a significant increase compared with the same period a year earlier.
According to data from the Bank of Albania, the value of restructured loans rose by 140% compared with the first half of 2025. The amount accounted for around 1.3% of new lending during the period and approximately 8% of the stock of non-performing loans (NPLs).

Restructuring has mainly affected foreign-currency loans to businesses. In these cases, banks and borrowers have primarily opted to extend loan maturities, revising the terms for repayment of outstanding liabilities.

Meanwhile, the non-performing loan ratio in the banking system improved compared with a year earlier.
In July 2026, the ratio fell to 3.69%, down from 4.04% in July 2025.

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