The capital adequacy ratio of the banking sector increased significantly in the second quarter of the year. According to the Bank of Albania, this ratio increased to 19%, from 17.9% in the first quarter and the ninth period of the previous year. The capitalization of banks is very close to the highest historical level, which […]
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The rapid increase in the yields of financial instruments has brought significant losses to commercial banks in the first half of this year. According to the statistics of the Bank of Albania, the result from financial instruments was negative in the value of 6.2 billion Lek, while in the same period of the previous year […]
Read More Preliminary data from the Albanian Association of Banks show that the profits of the banking sector according to International Financial Reporting Standards (IFRS) maintained a positive trend even for the second quarter of the year. The figures reported by the banks show that the progressive net profit at the end of the six months reached […]
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In January of this year, the national payment system in Euro AIPS Euro started operating. This system enabled for the first time the processing and settlement within the country of national transfers in European currency. The first statistics of the Bank of Albania show that the volumes of actions carried out through this system are […]
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Cashless payments or payments with bank cards (electronic cards that allow you to buy goods and services without physical money) are the dominant payments in developed countries. They account for 63 percent of the total volume of sales and purchases in Italy, 59 percent in Greece, and 74 percent in Germany. Not to mention some […]
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Recently, the digitization of banks has been put at the center of attention of public opinion and has attracted increased attention from private and public structures. Briefly some explanations for the digitization of banks for anyone who wants more knowledge to judge for themselves. Digitalization of banks, in a practical sense, means no longer going […]
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Të gjitha bankat pa përjashtim sot ofrojnë shërbimin e internet banking, si edhe karta dhe terminale për të kryer dhe për të pranuar pagesa elektronike. Pjesa dërrmuese e pagesave që kalojnë nga sektori bankar sot mund të kryhen në kanale dixhitale. Sistemi bankar duket të jetë ndër sektorët më të avancuar në ofrimin dhe promovimin […]
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By Dr. Spiro Brumbulli Every time there is talk about the profit of the banks, there is increased attention from the public and different opinion-makers. When they hear an absolute figure, for example, “the banking sector secured a profit of 157 million euros for 2021”, the comments begin with negativity: “What a profit! Only the […]
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During the journey of humanity, money was born and evolved as a companion tool, but never as indispensable in the personal life of each person as now in the effects of the fourth industrial revolution. The human existence today, his well-being, career, striving for progressivity, competition, and the requirement to be able to move forward […]
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Elona BOLLANO Market Risks Department Manager BANKA KOMBËTARE TREGTARE (BKT) Orjola BAKU Head of Risk Management Department Risk Management Division INTESA SANPAOLO BANK ALBANIA The capital adequacy framework consists of a broad set of regulatory standards, which aim to set out the rules, banks must follow in relation to capital requirements, as […]
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Digital currencies are indicators of the increasing interest in what the technology can offer nowadays to the financial sector.
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