Albanian households and businesses hold approximately ALL 1.8 trillion (around €18 billion) in bank deposits, while the country’s ten largest depositors account for about 7.5% of the total savings in the banking system.
According to the Bank of Albania’s Supervision Report, total deposits reached ALL 1.8 trillion at the end of 2025, marking a 9.1% increase compared with the previous year.
Customer deposits remain the primary source of funding for Albanian banks, with more than 80% of the banking sector’s funding coming from household and business savings.
During the past year, the share of deposits held in the national currency also increased, reaching 49% of the total. Meanwhile, customers showed a stronger preference for term deposits, particularly long-term deposits, indicating a growing willingness to keep their savings in banks for extended periods.
The report also points to a higher concentration of deposits, with the ten largest depositors now holding approximately 7.5% of total bank deposits—an increase compared with the previous year.
Individuals continue to account for the largest share of deposits, representing around 78% of total savings. The strongest growth was recorded among households and private-sector businesses, while deposits from the public sector increased at a more moderate pace.
The loan-to-deposit ratio also continued to rise. By the end of 2025, the indicator reached 51.5%, up from 49.6% a year earlier, suggesting that banks are using a larger share of collected deposits to finance the economy while maintaining comfortable liquidity levels.
In the domestic currency, the loan-to-deposit ratio remains higher than in foreign currencies, indicating that lending in Albanian lek continues to be supported primarily by savings held in the same currency.
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