{"id":9366,"date":"2014-03-18T12:10:35","date_gmt":"2014-03-18T12:10:35","guid":{"rendered":""},"modified":"2014-03-18T12:10:35","modified_gmt":"2014-03-18T12:10:35","slug":"loan-deposits-ratio-of-banks-in-2013","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=9366&lang=en","title":{"rendered":"Loan-Deposits ratio of  Banks in 2013"},"content":{"rendered":"\n<div align=\"justify\">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). <\/p>\n<p>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.<sup><\/p>\n<p> <br \/>\n    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdHBWNU5ncnBfSTRVYUdpWm14NEtvYUE&transpose=0&headers=1&range=C9%3AD25&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Value in ALL\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"title\":\"Deposits trend bu banks, 2008-2013, in All\",\"booleanRole\":\"certainty\",\"height\":371,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Bank\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"isStacked\":false,\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"ColumnChart\",\"chartName\":\"Chart 1\"}\n    <\/script><br \/>Source: Association of Banks <br \/>Processing and comments: ODA<br \/><\/sup><br \/>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&nbsp; shown that BKT is growing in terms of deposits, expanding them 24 % by the end of 2013 .<sup><\/p>\n<p> <br \/>\n    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdHBWNU5ncnBfSTRVYUdpWm14NEtvYUE&transpose=0&headers=1&range=C32%3AD48&gid=0&pub=1\",\"options\":{\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Value in All\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"booleanRole\":\"certainty\",\"title\":\"Loans trend by banks 2008-2013, in All\",\"height\":371,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"useFormatFromData\":true,\"title\":\"Bank\",\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"tooltip\":{},\"isStacked\":false},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"ColumnChart\",\"chartName\":\"Chart 2\"}\n    <\/script><br \/>Source: Association of Banks <br \/>Processing and comments: ODA<\/p>\n<p>While in terms of lending , many banks have been reserved by reducing it to 2.1 % in 2013 versus 2012.<br \/>Lending has continued to grow only by few banks , Credins Banks , Societe Generale , FIBANK , Intesa San Paolo Bank and ProCredit Bank Albania .<\/p>\n<p><\/sup>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.<\/p>\n<p>Banks show a positive credit report &#8211; 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 .<\/p>\n<p>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.<br \/><sup><br \/> <br \/>\n    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdHBWNU5ncnBfSTRVYUdpWm14NEtvYUE&transpose=0&headers=1&range=B55%3AC68&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Value in %\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"title\":\"Loan-Deposits ratio of Banks , 2013, in %\",\"booleanRole\":\"certainty\",\"height\":371,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Bank\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"isStacked\":false,\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"ColumnChart\",\"chartName\":\"Chart 3\"}\n    <\/script><br \/>Source: Association of Banks <br \/>Processing and comments: ODA<\/sup><br \/> \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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).&hellip; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[57],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":24547,"url":"https:\/\/ndiqparate.al\/?p=24547&lang=en","url_meta":{"origin":9366,"position":0},"title":"Origin of Shareholders\u2019 Capital of Commercial Banks in Albania, July 2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania is analyzing the structure of bank shareholders\u2019 capital by Origin of Ownership for commercial banks. 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