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"GDP continued to decline"/ BoA approves financial stability report for the second half of 2025

2026-04-01 18:13:00, Ekonomi CNA

"GDP continued to decline"/ BoA approves financial stability report

The Supervisory Council of the Bank of Albania, at today's meeting, approved the financial stability statement and report for the second half of 2025.

In the announcement made, the Supervisory Council says that the BoA estimates that in the second half of 2025, the financial system developed in a sustainable manner.

The Council announces that the net financial result in the first six months of the banking sector was positive and lower than a year ago.

During this period, the Bank of Albania says that developments were positive, influenced by the good performance of consumption and investments.

Focusing on Gross Domestic Product, the Supervisory Council of the Bank of Albania announced that it continued to decline.

Supervisory Council Announcement

Approval of the Financial Stability Statement and Report for the second half of 2025

The Financial Stability Report is one of the important periodic documents prepared by the Bank of Albania, with the main purpose of identifying and assessing the risks with which the financial system and its infrastructure operate. At the beginning of the document is placed the Financial Stability Statement, the publication of which every six months is a requirement stemming from the Law "On the Bank of Albania".

The Bank of Albania estimates that in the second half of 2025, the activity of the financial system developed in a stable manner. The expansion of the banking sector's activity accelerated, with the main contribution from the increases in deposits and capital, which were mainly oriented towards lending and investments in securities. The net financial result of the banking sector was positive and somewhat lower than that of the previous year. The risks arising from the interconnections between the banking sector and other segments of the financial system, as well as those of the banking sector's own activity, are assessed at controlled levels. Financial resilience indicators and stress test exercises show that the banking sector is resilient to the identified risks. However, it remains necessary for banks to strengthen their risk prevention and management systems, to regularly test their resilience to them, and to maintain appropriate levels of activity capitalization.

Economic developments during the period were positive, influenced by the good performance of consumption and investments, and the sustained positive performance of the tourism sector. Economic growth was accompanied by a decrease in unemployment and an increase in employment and wages. Fiscal policy remained prudent and the share of public debt in Gross Domestic Product (GDP) continued to decline. Inflationary pressures have remained below the Bank of Albania's target. Risks to economic and financial developments in the country remain present and are mainly related to the high uncertainty currently posed by international developments. In these conditions, it remains important that the economic and financial policies of public authorities and the actions of market participants aim to preserve financial reserves and effectively manage their investments.