The Albanian banking sector grew significantly during the global financial crisis, with assets nearly doubling from 2008 to 2020. This growth was driven by increased deposits, despite low interest rates. Banks focused more on buying bonds than giving loans, leading to a decrease in loans and an increase in securities. The lack of credit demand and high bad loans also influenced this shift. To support the economy, banks need to lend more to businesses, but this requires changes in borrower behavior and better management. The government should also manage finances better to free up domestic resources for businesses and households.