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Albanian families own about 28 billion euros, BSH: Financial assets, almost 8 times more than liabilities in 2023

2024-10-16 11:37:10Biznes SHKRUAR NGA REDAKSIA VOX

Albanian families own about 28 billion euros, BSH: Financial assets, almost 8

The data of the "Bank of Albania" in the publication on the statistics of financial accounts for the year 2023 show that households own about 34% of the total domestic financial assets. The financial assets of Albanian families in the form of deposits, currencies, capital or even investment funds reached 2.78 trillion lek in 2023, or about 28 billion euros, thus increasing by 142 billion lek in the span of one year.

The main instrument used by households continues to be "currency and deposits", which represents 48.6% of the financial assets of this sector, at the end of 2023. Meanwhile, "capital and shares in investment funds" make up about 42% of the total assets financial.

If we were to analyze the contribution to the expansion of financial assets, the data of the institution indicate that it is mainly attributed to the increase of investments in "capital and shares in investment funds" of 92 billion lek, followed by the expansion of "currency and deposits" of 33 billion ALL.

According to the "Bank of Albania", the financial assets of households significantly exceed the liabilities of this sector. The figures show that the financial obligations of family economies, at the end of 2023, reached the value of 330 billion ALL, thus expanding by about 29 billion ALL.

Household liabilities are mainly made up of mortgage loans, which account for the largest share of the total, around 49%, followed by consumer loans with 21% and other loans with 22%.

From a simple calculation, we see that the financial assets of Albanian families are about 8 times higher than their debts, referring to the year 2023.


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