Recent demonstrations in Albania have caused a predominantly psychological effect on the banking system, without direct impacts on financial operations. Sector expert Elvin Meka, interviewed by the RTSH media outlet, highlighted minimal consequences for commercial banks. In the capital Tirana, the balance of material damages includes 38 bank branches and 42 damaged ATMs.

Meka stated that banking services did not suffer interruptions, despite the recorded physical damage. He explained that the costs of repairing and restoring the damaged structures are absorbable by the banks. Operational continuity was guaranteed, although the complete replacement of physical services with digital ones within 24 hours is not considered an immediate and simple process.

The expert reported that the extent of the damage is considered negligible compared to the costs that banking institutions budget for such eventualities. He also recalled that banks have a legal obligation to insure their operations and activities, a provision that helps mitigate the economic impact resulting from any acts of vandalism or deterioration.

Regarding damage coverage, Meka hypothesized a possible involvement of the state budget in specific circumstances, especially for public enterprises that might be compromised. He suggested, however, that the most probable scenario for addressing compensation is a combination of solutions, including both bank insurance coverage and a potential financial contribution from the state.