According to the Bank of Albania’s Supervision Report, by the end of 2025 the total value of deposits had risen to 1.8 trillion lek, reflecting growth of 9.1% compared with a year earlier.

During the past year, the presence of deposits in the local currency also strengthened, reaching 49% of the total. At the same time, citizens increasingly turned to time deposits, especially long-term ones, showing a tendency to keep their savings in banks for longer periods.

As for the distribution of deposits, the data show that the ten largest depositors hold about 7.5% of the total, a higher share than a year earlier.

Meanwhile, individuals continue to own the largest share of savings, with about 78% of total deposits. The fastest growth was recorded in the private sector and among individuals, while public sector deposits expanded at a more moderate pace.

The relationship between loans and deposits has also continued to rise. At the end of 2025, this indicator reached 51.5%, up from 49.6% a year earlier, showing that banks are putting a larger share of the savings they collect to work in financing the economy, while at the same time maintaining stable liquidity levels.

In lek, the loan-to-deposit ratio remains higher than in foreign currency, showing that lending in the local currency continues to be supported more strongly by savings collected in the same currency.

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