The Bank of Albania reported that the ratio of non-performing loans in November 2025 fell to 4.19 percent. It stood at 4.33 percent at the end of October.

According to the Bank of Albania, the indicator dropped by 0.29 percentage points on a yearly basis. In the same period one year earlier, the ratio stood at 4.48 percent.

Lower interest rates helped borrowers pay installments on time. This applied to loans in both foreign currency and the national currency.

Statistics show that non-performing loans totaled 38.8 billion lek. They stood at 39.6 billion lek in November 2024.

The Bank of Albania said the banking sector is performing very well. This performance is increasing the supply of credit. It has a direct impact on economic growth.

Throughout most of 2025, non-performing loans remained close to 4 percent. This marks the lowest level in the past 10 years. The ratio peaked at 25 percent in September 2014.

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