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Which businesses received the most loans? Trade led for 2023

2024-02-12 12:45:27Biznes SHKRUAR NGA REDAKSIA VOX

Which businesses received the most loans? Trade led for 2023

"Scan Intel" has analyzed the data of the "Bank of Albania" regarding the financing of the private sector with loans to understand which segments of this sector have requested the support of financial intermediaries for the exercise of their activity. If we look at the total of loans distributed during the past year, the value is reduced to 217 billion ALL, compared to 186 billion ALL distributed as loans for businesses of various economic sectors for 2022. In this way, we are dealing with a 16% increase in credit financing from one year to another.

According to the figures, we find that the activity that received the most loans last year is "Wholesale and retail trade", which also includes the repair of vehicles and motorcycles. If we talk in exact figures, we see that this sector received about 80 billion new loans during the year 2023, thus being ranked in the first place, just like in 2022, where it received new loans amounting to 64 billion allek.

The data from the bank institution show that the construction sector ranks second with 39.5 billion new loans. The figures confirm that this sector has had a significant increase in demand of 7% during the year 2023. Compared to the previous year, the positions of the sectors remain unchanged even for the 3rd and 4th place, where we respectively find "Processing Industry ” with ALL 24.7 billion and “Other service activities”, with ALL 12.8 billion new loans during 2023.

On the other hand, regarding the sectors that have received less new loans during the past year, in the last place, with only 3 billion new loans, we find "International Organizations". Then follows "Public administration and protection; mandatory social insurance" with 444 million new loans, or 2120% more compared to 2022. Also important sectors such as "Education", "Health" and "Real estate activities" are listed as sectors that have chosen to receive limited financing from banks operating in our country. During the year 2023, 355 million ALL were given for education, 4.1 billion ALL for health and 9.4 billion ALL for real estate respectively.

For a significant part of businesses, the year 2023 has turned out to be positive, directing them less towards banks for loans. Specifically, the activity of "Education" has reduced the demand for loans by 68%, the sector "Water supply, waste treatment and management activities" by 67%, "Information and communication" by 58%, while "Arts, entertainment, relaxation" with 57%. Meanwhile, for sectors such as "Electricity, gas supply, steam, air conditioning" and "Extractive Industry" this decrease varies from 18% to 32%.


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