The business credit portfolio recorded a year-on-year increase of around 14% during the first two months of 2026. It continues to show good quality indicators and a stronger focus on the local currency.

First, according to the Bank of Albania, credit mainly supports business investment projects and home purchases by families. Its growth continues to boost private sector consumption and investment, while also covering temporary liquidity needs, contributing positively to economic growth.

Next, the Bank of Albania highlighted that the monetary policy easing in 2025 led to further reductions in loan interest rates. This has encouraged fast and sustainable growth in lending.

Furthermore, increased interventions by the Bank of Albania in the domestic foreign exchange market have absorbed part of the currency supply, helping to maintain a more stable exchange rate.

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