Businesses are not "satisfied" with loans/ BoA: High number of applications in the second quarter. How did the banks respond?
Businesses have requested more loans from banks in the second quarter, but the latter have not always responded with a “yes” to their applications. According to the latest Bank of Albania survey on lending activity, the approval rate of loans to businesses remained unchanged in the second quarter.
Banks have stated that loan requests have increased as a result of higher needs for investment financing, more favorable interest rates, and the business confidence indicator.
On the other hand, businesses that did not seek credit were those with internal sources of financing.
As for lending standards, they remained unchanged for businesses in the second quarter of 2025, both in loans to large businesses and to small and medium-sized businesses. Standards did not change in loans for investment financing and those for covering liquidity needs.
As with individuals, the terms and conditions of lending to businesses would not change. On the one hand, banks reported higher margins on risky loans, while on the other hand they presented lower collateral requirements in relation to the loan provided, mainly to small and medium-sized businesses.
Even in the July-September period, an increase in demand for loans from all types of businesses is expected.
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