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Overview Of Credit Activity In Albania


  • Klejda GABESHI

    (University of Craiova, Romania)


The dominant component of the Albanian financial system is the banking sector, whose activity is transparent and leads to an efficient market economy. The mission of a performing banking system is to allocate the capital exclusively in profitable projects, to facilitate the best functioning of the lending activity, helping to improve the rational distribution of resources between different entities. The purpose of this paper is to provide a comprehensive statement of the most recent credit developments in Albania, in order to determine if banks, with their role as financial intermediaries, can help stimulate economic growth. Loans compose the majority of the Albanian banking system assets. In the last years, loan portfolio quality has been significantly deteriorated, which can be easily understood from the increase in non-performing loans. The methodology used in this article is a quantitative and qualitative analysis of credit data provided by the Albanian banking system, the identification of factors that can boost credit growth in conditions of its significant slowdown and the study on lending performance and progress, in comparison with different countries in the region.

Suggested Citation

  • Klejda GABESHI, 2019. "Overview Of Credit Activity In Albania," Scientific Bulletin - Economic Sciences, University of Pitesti, vol. 18(3), pages 77-82.
  • Handle: RePEc:pts:journl:y:2019:i:3:p:77-82

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    More about this item


    Banking system; Credit activity; Lending performance.;
    All these keywords.

    JEL classification:

    • C10 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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