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Monetary Policy
The Bank of Albania is responsible for formulating, approving and implementing the monetary policy in the Republic of Albania.

What is Monetary Policy?
- Analyses
Markets
In order to implement the monetary policy, the Bank of Albania carries out operations in the interbank market, the foreign exchange market and the government securities market.

Markets
Financial Stability
The Bank of Albania, in cooperation with other authorities, contributes to safeguarding financial stability in Albania.

Financial Stability
- De-euroziaton package
Supervision
The Bank of Albania is responsible for the licencing and supervision of banks and other institutions that conduct banking and financial activities in the Republic of Albania.

Supervision
- Handling complaints
- Supervisory expectations for green finance
Resolution
Resolution is the use of appropriate tools in the case of troubled banks facing financial distress.

Resolution
Statistics
The Bank of Albania compiles statistics to support the decision-making processes and bodies and performs statistical functions for the public at large.

Statistics
Currency
The Bank of Albania is the sole authority for issuing banknotes and coins of legal tender in the Republic of Albania. The monetary unit of the Republic of Albania is the "Lek”.

Role of the Bank of Albania in issuing the national currency
- Currency in circulation
Payments
To promote the normal operation and functioning of the payment system, as one of its main duties, the Bank of Albania plays an active role as the operator, overseer and catalyst and reformer of the payment systems.

Payment System
Museum and education
The Bank of Albania has been committed for years to expanding and deepening financial literacy in Albania, through educational activities and publications, as well as through its Museum.

Museum and Education
- Museum of the Bank of Albania
- Education

Credit Interest Rate for Individuals

Legend
Bank	Abbreviation	Last update
American Bank of Investment (Albania)	ABI	April 2026
Credins Bank	CB	April 2026
First Investment Bank Albania	FIB	April 2026
Intesa Sanpaolo Bank of Albania	ISB	April 2026
National Commercial Bank	NCB	April 2026
OTP Bank Albania	OTP	April 2026
Procredit Bank	PCB	April 2026
Raiffeisen Bank	RB	April 2026
Tirana Bank	TB	April 2026
Union Bank	UB	April 2026
United Bank of Albania	UBA	April 2026

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MORTGAGE - ALL / Nominal Fixed

HOME/PROPERTY LOANS
Month	ABI	CB	FIB	ISB	NCB	OTP	PCB	RB	TB	UB	UBA
0-12		4.90	2.99			2.90	3.95		3.50		5.50
13-24		0.00	3.99			4.30					5.50
25-36						4.30
37-48						4.30
49-60						4.30
61-72						4.30
73-84						4.30
85-96						4.30
97-108						4.30
109-120						4.30
121-180						4.30
181-240						4.30
241-360						4.30		4.50