Albania: Lending interest rate

* indicates monthly or quarterly data series
 Albania

Interest rates on bank credit to the private sector

 Latest value 6.51
 Year 2022
 Measure percent
 Data availability 1986 - 2022
 Average 12.01
 Min - Max 1 - 32.71
 Source The World Bank
For that indicator, we provide data for Albania from 1986 to 2022. The average value for Albania during that period was 12.01 percent with a minimum of 1 percent in 1986 and a maximum of 32.71 percent in 1997. The latest value from 2022 is 6.51 percent. For comparison, the world average in 2022 based on 91 countries is 11.75 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
Albania - Lending interest rate - recent values

Historical chart
Albania - Lending interest rate - historical chart - 1986-2022




The lending interest rate in Albania shown below is the interest rate on credits from banks to prime borrowers, i.e. to the lowest risk borrowers in the private sector. That includes firms and households.
Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.


 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 5.71 2020 interest rate points
 Bank cost to income ratio 53.19 2021 percent
 Non-performing loans 4.79 2022 percent
 Bank overhead cost 1.84 2021 percent
 Net interest margin 2.99 2021 percent
 Bank credit to deposits 51.59 2021 percent
 Regulatory capital to risk-weighted assets 18.32 2020 percent
 Return on assets 1.35 2021 percent
 Return on equity 13.35 2021 percent
 Banking system z-scores 19.06 2021 index points
 Liquid assets to deposits 48.97 2021 percent
 Banking system capital to assets 10.39 2020 percent
 Non-interest income to total income 26.21 2021 percent
 Lending interest rate 6.51 2022 percent
 Real interest rate -3.06 2022 percent
 Legal rights 8.00 2020 points
 Credit information sharing 6.00 2019 points
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