Banka e Shqip\u00ebris\u00eb ka mbajtur t\u00eb pandryshuar norm\u00ebn e shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit p\u00ebr bankat tregtare, por ka l\u00ebn\u00eb p\u00ebrs\u00ebri t\u00eb hapur mund\u00ebsin\u00eb e nj\u00eb rritjeje t\u00eb m\u00ebtejshme t\u00eb saj.<\/p>\n
N\u00eb rivler\u00ebsimin periodik t\u00eb shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit, t\u00eb fundit t\u00eb tremujorit t\u00eb tret\u00eb, Banka e Shqip\u00ebris\u00eb ka arritur n\u00eb p\u00ebrfundimin se n\u00eb t\u00ebr\u00ebsi, vazhdim\u00ebsia e rritjes s\u00eb kreditimit konfirmon vijueshm\u00ebrin\u00eb e nj\u00eb cikli financiar pozitiv, q\u00eb po zhvillohet me shpejt\u00ebsi.<\/p>\n
Banka e Shqip\u00ebris\u00eb v\u00ebren se, krahas mund\u00ebsive m\u00eb t\u00eb mira p\u00ebr akses n\u00eb kreditim, k\u00ebto zhvillime shoq\u00ebrohen me rreziqet q\u00eb lidhen me ruajtjen e aft\u00ebsis\u00eb paguese t\u00eb kredimarr\u00ebsve, p\u00ebrqendrime n\u00eb sektor\u00eb t\u00eb caktuar dhe r\u00ebnie t\u00eb cil\u00ebsis\u00eb s\u00eb kredis\u00eb n\u00eb sektorin bankar.<\/p>\n
N\u00eb k\u00ebto kushte, me q\u00ebllimin p\u00ebr t\u00eb moderuar ritmet e rritjes s\u00eb kredis\u00eb, Banka e Shqip\u00ebris\u00eb vendosi t\u00eb rris\u00eb nivelin e norm\u00ebs s\u00eb shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit (KUNC) n\u00eb qershor 2024 dhe n\u00eb dhjetor 2024, me nga 0.25%, n\u00eb nivelin aktual prej 0.50%. K\u00ebto rritje t\u00eb KUNC do t\u00eb p\u00ebrmbushen p\u00ebrkat\u00ebsisht n\u00eb qershor dhe n\u00eb dhjetor 2025.<\/p>\n
Nj\u00ebkoh\u00ebsisht, me q\u00ebllim ruajtjen e cil\u00ebsis\u00eb s\u00eb ekspozimeve t\u00eb bankave n\u00eb tregun e pasurive t\u00eb paluajtshme, n\u00eb muajin maj 2025 Banka e Shqip\u00ebris\u00eb vendosi t\u00eb zbatoj\u00eb kufij t\u00eb sip\u00ebrm n\u00eb dy tregues t\u00eb standardeve t\u00eb kredidh\u00ebnies p\u00ebr pasuri t\u00eb paluajtshme, raportin e kredis\u00eb ndaj vler\u00ebs s\u00eb pron\u00ebs dhe raportin e sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave t\u00eb kredimarr\u00ebsit.<\/p>\n
K\u00ebto kufij jan\u00eb vendosur t\u00eb diferencuar sipas monedh\u00ebs dhe sipas q\u00ebllimit t\u00eb blerjes s\u00eb pron\u00ebs dhe zbatohen q\u00eb prej dat\u00ebs 1 korrik 2025.<\/p>\n
Banka e Shqip\u00ebris\u00eb shprehet se, aktualisht, ndikimi i k\u00ebtyre masave po monitorohet p\u00ebr t\u00eb vler\u00ebsuar p\u00ebrshtatshm\u00ebrin\u00eb dhe nevoj\u00ebn e plot\u00ebsimit t\u00eb mundsh\u00ebm t\u00eb tyre.<\/p>\n
Vendimmarrja mbi nivelin e shtes\u00ebs kund\u00ebrciklike mb\u00ebshtetet kryesisht n\u00eb ecurin\u00eb e vlerave t\u00eb treguesit t\u00eb hendekut t\u00eb raportit t\u00eb kredis\u00eb ndaj PBB-s\u00eb.<\/p>\n
Vlerat e treguesit par\u00ebsor mbeten negative, por madh\u00ebsia e vler\u00ebs negative vijon t\u00eb zvog\u00eblohet me ritme t\u00eb p\u00ebrshpejtuara. Konkretisht, n\u00eb tremujorin e dyt\u00eb vlera e treguesit par\u00ebsor \u00ebsht\u00eb ngushtuar me p\u00ebrkat\u00ebsisht rreth 3.1 dhe 0.7 pik\u00eb p\u00ebrqindjeje ndaj nj\u00eb viti m\u00eb par\u00eb dhe ndaj tremujorit paraardh\u00ebs. N\u00eb tremujorin e dyt\u00eb, ky raport ishte -3.53 pik\u00eb p\u00ebrqindje, nd\u00ebrkoh\u00eb q\u00eb mesatarja 2009-2025 vler\u00ebsohet n\u00eb nivelin -7.8 pik\u00eb p\u00ebrqindje.<\/p>\n
Nj\u00eb zhvillim i r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb kalimi i hendekut p\u00ebr segmentin \u201cindivid\u00eb\u201d n\u00eb territor pozitiv p\u00ebr her\u00eb t\u00eb par\u00eb q\u00eb prej vitit 2009, duke reflektuar rritjen e q\u00ebndrueshme t\u00eb kredis\u00eb p\u00ebr familjet. N\u00eb k\u00ebto kushte, Banka e Shqip\u00ebris\u00eb vler\u00ebson se \u00ebsht\u00eb e nevojshme t\u00eb monitorohet ngarkesa me borxh e tyre dhe faktor\u00ebt q\u00eb ndikojn\u00eb n\u00eb aft\u00ebsin\u00eb paguese t\u00eb familjeve.<\/p>\n
Nga ana tjet\u00ebr, hendeku p\u00ebr segmentin \u201cbiznes\u201d mbetet n\u00eb territor negativ, por prirja e ngushtimit t\u00eb tij, n\u00eb terma tremujor\u00eb me 0.2 pik\u00eb p\u00ebrqindje dhe n\u00eb terma vjetor\u00eb me rreth 2 pik\u00eb p\u00ebrqindje reflekton p\u00ebrmir\u00ebsimin gradual t\u00eb qasjes s\u00eb bizneseve ndaj kredis\u00eb.<\/p>\n
N\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme me familjet, edhe p\u00ebr bizneset \u00ebsht\u00eb e nevojshme t\u00eb vler\u00ebsohet n\u00ebse rritja e borxhit \u00ebsht\u00eb shoq\u00ebruar me rritjen e kapacitetit prodhues dhe t\u00eb p\u00ebrfitueshm\u00ebris\u00eb s\u00eb tyre, n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb evidentohen n\u00eb koh\u00eb presionet mbi aft\u00ebsin\u00eb paguese dhe cil\u00ebsin\u00eb e portofolit p\u00ebrkat\u00ebs t\u00eb kredis\u00eb.<\/p>\n
Megjith\u00ebse \u201chendeku i raportit t\u00eb kredis\u00eb ndaj PBB-s\u00eb\u201d \u00ebsht\u00eb treguesi kryesor, praktika e zbatimit t\u00eb tij n\u00eb vende t\u00eb tjera dhe n\u00eb Shqip\u00ebri ka evidentuar ngadal\u00ebsin\u00eb e reagimit t\u00eb k\u00ebtij treguesi n\u00eb p\u00ebrgjith\u00ebsi, dhe pamjaftueshm\u00ebrin\u00eb e tij p\u00ebr t\u00eb kapur dhe evidentuar zhvillime t\u00eb shpejta n\u00eb segmente t\u00eb caktuara t\u00eb kredis\u00eb.<\/p>\n
Ndaj, kuadri rregullator dhe metodologjik i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, parashikon q\u00eb vendimmarrja p\u00ebr shtes\u00ebn kund\u00ebrciklike t\u00eb mb\u00ebshtetet edhe mbi Treguesin e Paralajm\u00ebrimit t\u00eb Hersh\u00ebm Plot\u00ebsues (TPHP).<\/p>\n
N\u00eb fund t\u00eb tremujorit t\u00eb par\u00eb t\u00eb vitit 2025, vlera e indeksit TPHP u rrit m\u00eb tej n\u00eb nivelin 065, duke kap\u00ebrcyer n\u00eb m\u00ebnyr\u00eb m\u00eb t\u00eb dukshme kufirin maksimal t\u00eb sugjeruar nga metodologjia e p\u00ebrcaktimit t\u00eb norm\u00ebs kund\u00ebrciklike (mesatarja historike prej 0.5) dhe ka qen\u00eb kryesisht mbi k\u00ebt\u00eb kufi q\u00eb prej fundit t\u00eb vitit 2021, duke sinjalizuar rreziqe potenciale q\u00eb burojn\u00eb nga nj\u00eb mbinxehje n\u00eb tregun e kredis\u00eb dhe kryesisht t\u00eb aktiveve jofinanciare.<\/p>\n
Zhvillimet e fundit pasqyrojn\u00eb nj\u00eb rit\u00ebm rritjeje pozitiv dhe m\u00eb t\u00eb shpejt\u00eb t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme n\u00eb krahasim me tremujorin e m\u00ebparsh\u00ebm, por n\u00eb terma vjetor\u00eb ritmi i rritjes s\u00eb k\u00ebsaj kredie \u00ebsht\u00eb ngadal\u00ebsuar.<\/p>\n
Indeksi i \u00e7mimit t\u00eb banesave ka vijuar t\u00eb shfaq\u00eb nj\u00eb rritje t\u00eb ndjeshme, duke q\u00ebndruar mbi nivelet afatgjata t\u00eb rritjes prej m\u00eb shum\u00eb se nj\u00eb viti. Ky zhvillim tregon nj\u00eb k\u00ebrkes\u00eb t\u00eb fort\u00eb n\u00eb treg, por gjithashtu mund t\u00eb shoq\u00ebrohet me shqet\u00ebsime p\u00ebr stabilitetin afatgjat\u00eb t\u00eb ecuris\u00eb s\u00eb \u00e7mimit.<\/p>\n
Paralelisht, rritja e raportit nd\u00ebrmjet \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme dhe atyre t\u00eb qiras\u00eb, tregon se \u00e7mimet e blerjes po rriten me shpejt\u00ebsi m\u00eb t\u00eb madhe se qirat\u00eb, p\u00ebr tre tremujore radhazi. K\u00ebto zhvillime tregojn\u00eb p\u00ebr nj\u00eb k\u00ebrkes\u00eb t\u00eb fort\u00eb n\u00eb treg, por, sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, mund t\u00eb shoq\u00ebrohen me shqet\u00ebsime p\u00ebr stabilitetin afatgjat\u00eb t\u00eb ecuris\u00eb s\u00eb \u00e7mimit.<\/p>\n
L\u00ebvizjet n\u00eb kreditimin p\u00ebr pasuri t\u00eb paluajtshme dhe ndryshimet n\u00eb indeksin e \u00e7mimeve t\u00eb banesave kan\u00eb tendenc\u00ebn t\u00eb ndikojn\u00eb duke p\u00ebrforcuar nj\u00ebri-tjetrin.\/ Monitor<\/p>\n
The post \u201cMbinxehja\u201d e kredis\u00eb p\u00ebr individ\u00eb, Banka e Shqip\u00ebris\u00eb mund t\u00eb marr\u00eb masa t\u00eb reja<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Banka e Shqip\u00ebris\u00eb ka mbajtur t\u00eb pandryshuar norm\u00ebn e shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit p\u00ebr bankat tregtare, por ka l\u00ebn\u00eb p\u00ebrs\u00ebri t\u00eb hapur mund\u00ebsin\u00eb e nj\u00eb rritjeje t\u00eb m\u00ebtejshme t\u00eb saj. N\u00eb rivler\u00ebsimin periodik t\u00eb shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit, t\u00eb fundit t\u00eb tremujorit t\u00eb tret\u00eb, Banka e Shqip\u00ebris\u00eb ka arritur n\u00eb p\u00ebrfundimin se n\u00eb t\u00ebr\u00ebsi, vazhdim\u00ebsia […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-43954","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/43954","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=43954"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/43954\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=43954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=43954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=43954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}