Bank Lending Survey

The Bank Lending Survey (BLS) of the Bank of Albania is conducted four times a year. Its main objective is to collect the opinion of commercial banks regarding developments in loan supply and demand. The BLS enriches the economic and financial analyses and provides input to the decision-making process with qualitative data information on bank lending. The BLS questionnaire was revised in 2018 Q2, to further align it with the most recent international frameworks, especially the one pursued by European Central Bank.

The analysis related to it has been adapted accordingly the new questionnaire. It includes some additional questions, which provide information on the factors that affect credit standards, terms and conditions on new loans as well as demand for loans.