Bank interests, who benefited the most this year? - BoA: Long-term deposits, the most favorable. Rates of those in euros, less attractive
During 2025, the interest rates that banks offer on deposits have undergone minor changes, without any strong increase that would significantly affect citizens' pockets.
For most citizens who keep their savings in Lek in a demand deposit account, interest rates have remained almost negligible throughout the year. The interest rate has fluctuated around 0.1%, which means that even if a family keeps 100 thousand or 200 thousand Lek in the bank for an entire year, the real benefit is very small.
The situation is different for those who choose term deposits. For deposits up to 2 years, interest rates have decreased slightly during 2025. At the beginning of the year, banks were offering around 1.8%, while at the end of the year the rate dropped to around 1.75. This shows that banks have become a little more cautious in rewarding short-term savings.
On the other hand, for deposits over 2 years in lek, the interest rates have been more favorable. During 2025, rates have exceeded 3%, marking a slight increase compared to the beginning of the year. In practical terms, this means that citizens who are willing to block their money for a longer period of time can benefit more.
In euros, the situation remains less attractive. For demand deposits, interest rates are almost zero. For deposits up to 2 years, rates have remained around 1.1%, while for deposits over 2 years they have gradually increased, reaching around 2.1% at the end of the year. Here too, the profit is lower compared to deposits in lek.
For businesses, the trend has been similar. Interest rates on short-term deposits have declined, while long-term deposits have remained more stable, both in lek and euro. This indicates that banks are favoring longer-term deposits more.
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