Albania Deposit Rate
Deposit interest rate FR.INR.DPST
Albania's deposit rate was 2.10% in 2025, ranked 62nd globally. This represents a 12.5% increase from 2024. Data from World Bank, covering 1992–2025.
Overview
Albania's deposit rate stood at 2.10% in 2025, a rise of +0.23pp from 2024. Based on recent trends, this figure is projected to reach 2.10% by 2025. Albania ranked 62nd globally.
Albania’s deposit rate has fallen dramatically since the early 1990s, sliding from an all‑time peak of 27.33% in 1993 to a historic trough of 0.41% in 2020, before modestly rising to 2.10% in 2025, which places the country 62nd globally. Over the 34‑year coverage period the rate has averaged well below the levels observed during the post‑communist transition, reflecting a prolonged low‑interest‑rate environment and the Bank of Albania’s policy aimed at stimulating credit growth. The 2025 figure is closely aligned with peers such as Comoros (2.12%) and Nicaragua (2.08%), suggesting that Albania’s monetary stance now mirrors that of other small, open economies navigating modest inflation and external financing constraints. The lingering effect of the 2020 trough indicates that the banking sector remains sensitive to global liquidity conditions, and any resurgence of inflationary pressures or shifts in the European Central Bank’s policy could push the deposit rate higher, potentially altering the current downward trajectory.
Data & projection
| Year | Deposit Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 2.85% | - | - |
| 2026* trend | 2.47% | - | - |
| 2025* trend | 2.10% | - | - |
| 2025 | 2.10% | +0.23pp | #62 |
| 2024 | 1.86% | +0.52pp | #28 |
| 2023 | 1.35% | +0.62pp | #21 |
| 2022 | 0.73% | +0.25pp | #18 |
| 2021 | 0.48% | +0.06pp | #17 |
| 2020 | 0.42% | −0.08pp | #12 |
| 2019 | 0.49% | −0.26pp | #14 |
| 2018 | 0.75% | −0.02pp | #18 |
| 2017 | 0.77% | −0.06pp | #19 |
| 2016 | 0.83% | −0.56pp | #19 |
| 2015 | 1.39% | −0.52pp | #26 |
| 2014 | 1.91% | −2.25pp | #35 |
| 2013 | 4.16% | −1.26pp | #83 |
| 2012 | 5.42% | −0.44pp | #87 |
| 2011 | 5.86% | −0.56pp | #87 |
Detected Pattern
Analysis
Albania matched the Orthodox Tightening Cycle pattern in 1997. Historically, 57% of countries showing this pattern (177 out of 311) saw deposit rate improve within 24 months. View full analysis →
Frequently Asked Questions
Albania's deposit rate was 2.10% in 2025. Ranked 62nd globally. This represents a 12.5% increase from the previous year.
Albania's deposit rate peaked at 27.33% in 1993.
The lowest deposit rate in Albania was 0.42% in 2020.
Albania ranks 62nd globally in deposit rate as of 2025.
The World Bank indicator code is FR.INR.DPST. Data sourced from World Bank.
Albania's deposit rate is projected to reach 2.10% by 2025 based on trend extrapolation.
The deposit rate of Albania in 2025 was 2.10%. This ranks 62nd in the world.
Cite this page
@misc{historysaid_albania_deposit-rate,
title = {Albania Deposit Rate},
url = {https://historysaid.com/albania/deposit-rate/},
publisher = {HistorySaid},
year = {2026}
}