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The savings of Albanian citizens and businesses deposited in the banking system reached around 15 billion euros in 2025. The latest report by the Bank of Albania on the performance of deposits shows their annual growth, with a clear trend towards keeping savings in the local currency.
According to official data, deposits in lek reached 711 billion lek in December, up from 651 billion lek in January of the same year. The annual increase of about 60 billion lek reflects the expansion of the savings base in the local currency and a stabilization of depositors' monetary preferences.
The deposit structure shows that over a third of the funds held in Albanian banks are transferable deposits and demand deposits. These forms of savings are characterized by high liquidity and immediate use by their holders.
Transferable deposits in lek increased from 385 billion lek in January to around 418 billion lek in December 2025. In parallel, demand deposits in lek expanded from 58 billion lek to 66 billion lek during the same period. Demand deposits in foreign currency remained stable at over 129 billion lek.
This structure shows a preference for holding funds in instruments with low risk and high flexibility, reflecting conservative savings behavior in conditions of economic uncertainties and real interest rates.
The high level of bank deposits signals strengthening public and business confidence in the banking system. However, for the real economy, the challenge remains to transform these savings into productive loans and investments, so that increased liquidity translates into sustainable economic development.
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