General overview of banks performance in Albania represents a recovery and stability in balances compared to 2015. According to AAB this is due to development of Human Capital and legal initiatives directed towards customer cautions such as collateral facilities.
Based on records of Central Bank, bank system experiences an 8.3 milliard ALL net profit with ROE (return on equity), ROA (return on assets) 7.8% and 0.7% respectively. The trend predicted will be focused on portfolio diversification and customer lending. Compared to last year the progress is by 8.5% in credit giving. Issue to be considered remains amount of non-performing loans derivating moral hazard among bank systems.