Open Data Albania has undertaken a research on weight and coverage of loans to deposits in commercial banks in 2013. At the end of this year, total deposits were at about 933 billion All with a decrease of 6% compared to last year ( this figure does not include Alpha Bank , Union Bank and Tirana Bank , as they have not reported annual data).

A negative effect on the total balance of deposits came from falling in one of the largest bank in the country , Raiffeisen Bank Albania. During 2013, this bank deposits were reduced by 13.4% against 2012. While other banks like National Commercial Bank ( NCB ) , Credins , Intesa San Paolo Bank , etc. have gathered more deposits during 2013.



Source: Association of Banks
Processing and comments: ODA

Despite the annual decline, Raiffeisen Bank Albania continues to own the largest amount of deposits Albanians with 26% of the total. By processing the data, its  shown that BKT is growing in terms of deposits, expanding them 24 % by the end of 2013 .



Source: Association of Banks
Processing and comments: ODA

While in terms of lending , many banks have been reserved by reducing it to 2.1 % in 2013 versus 2012.
Lending has continued to grow only by few banks , Credins Banks , Societe Generale , FIBANK , Intesa San Paolo Bank and ProCredit Bank Albania .

Credins Bank crediting has grown by 5.2 billion All. Societe Generale raised it by 4 billion All . One of the smallest banks in the system , Veneto Bank lending expanded in 2013 by 1.8 billion All.

Banks show a positive credit report – deposits, indicating their ability to cover its lending funds. Greek banks have improved this ratio versus the previous years . Credite Agricole has given more credit than the amount of deposits , showing a ratio of 112 % . This French -owned bank funds are covered from the parent company in France in order to increase the activity and presence in the Albanian market .

On a higher percentage of this report appears Veneto Bank , over 82% , which confirms the dependence of this bank from the parent for the disbursement of funds for lending sector . On a high percentage is also the domestic bank, Credins Bank.



Source: Association of Banks
Processing and comments: ODA