Raporti i kredive me probleme ishte i q\u00ebndruesh\u00ebm edhe p\u00ebr muajin korrik. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, ky tregues p\u00ebsoi nj\u00eb r\u00ebnie shum\u00eb t\u00eb leht\u00eb n\u00eb 4.68%, nga 4.7% q\u00eb kishte qen\u00eb p\u00ebr qershorin. Me baz\u00eb vjetore, megjithat\u00eb, raporti i kredive me probleme vazhdon t\u00eb jet\u00eb n\u00eb r\u00ebnie. Nj\u00eb vit m\u00eb par\u00eb ky tregues ishte n\u00eb nivelin 5.28%.<\/p>\n
Gjat\u00eb pjes\u00ebs s\u00eb par\u00eb t\u00eb vitit 2024, raporti i kredive me probleme nuk ka shfaqur luhatje shum\u00eb t\u00eb m\u00ebdha dhe aktualisht nuk \u00ebsht\u00eb shum\u00eb larg prej nivelit 4.74% q\u00eb u sh\u00ebnua n\u00eb fund t\u00eb vitit t\u00eb kaluar.<\/p>\n
Megjithat\u00eb, fakti q\u00eb raporti i kredive me probleme \u00ebsht\u00eb i q\u00ebndruesh\u00ebm, pavar\u00ebsisht rritjes s\u00eb shpejt\u00eb t\u00eb portofolit t\u00eb kredis\u00eb, \u00ebsht\u00eb nj\u00eb tregues se sasia e kredive me probleme po rritet n\u00eb vler\u00eb absolute.<\/p>\n
N\u00eb fund t\u00eb muajit korrik portofoli total i kredis\u00eb p\u00ebr ekonomin\u00eb, arriti vler\u00ebn e 798.3 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 13.3%. Mbi k\u00ebt\u00eb vler\u00eb, totali i kredive me probleme vler\u00ebsohet n\u00eb af\u00ebrsisht 37.3 miliard\u00eb lek\u00eb, nga rreth 35 miliard\u00eb lek\u00eb q\u00eb kishte qen\u00eb n\u00eb fund t\u00eb vitit 2023.<\/p>\n
Rritja e shpejt\u00eb e kredis\u00eb p\u00ebr ekonomin\u00eb, q\u00eb nga ana tjet\u00ebr nuk po shoq\u00ebrohet me r\u00ebnie dometh\u00ebn\u00ebse t\u00eb raportit t\u00eb kredive me probleme, po shqet\u00ebson edhe Bank\u00ebn e Shqip\u00ebris\u00eb.<\/p>\n
N\u00eb Deklarat\u00ebn e Stabilitetit Financiar t\u00eb miratuar jav\u00ebn e kaluar, Banka e Shqip\u00ebris\u00eb vler\u00ebson se rreziqet e veprimtaris\u00eb s\u00eb sektorit bankar paraqiten n\u00eb nivele t\u00eb kontrolluara, por n\u00ebnvizon se ecuria n\u00eb rritje e ciklit financiar ka nevoj\u00eb t\u00eb moderohet.<\/p>\n
N\u00eb mesin e k\u00ebtij viti, Banka e Shqip\u00ebris\u00eb vendosi t\u00eb aplikoj\u00eb p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb shtes\u00eb kund\u00ebrciklike n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit t\u00eb sektorit bankar.<\/p>\n
Sipas vendimit t\u00eb Guvernatorit, Gent Sejko, norma e shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit (KUNC) p\u00ebr Shqip\u00ebrin\u00eb do t\u00eb jet\u00eb 0.25 pik\u00eb p\u00ebrqind, nga zero q\u00eb parashikohej n\u00eb vendimin e m\u00ebparsh\u00ebm. T\u00eb gjitha bankat tregtare n\u00eb Shqip\u00ebri duhet ta plot\u00ebsojn\u00eb k\u00ebt\u00eb shtes\u00eb pas nj\u00eb viti, duke filluar nga data 30 qershor 2025.<\/p>\n
Aplikimi i nj\u00eb shtese kund\u00ebrciklike t\u00eb kapitalit \u00ebsht\u00eb i parashikuar n\u00eb rregulloren e vitit 2018 \u201cP\u00ebr shtesat makroprudenciale t\u00eb kapitalit. Nj\u00eb shtes\u00eb e till\u00eb ka si q\u00ebllim ngadal\u00ebsimin e kreditimit, n\u00eb rast se banka qendrore vler\u00ebson se ai po rritet me ritme tep\u00ebr t\u00eb shpejta.<\/p>\n
Gjat\u00eb pjes\u00ebs s\u00eb par\u00eb t\u00eb viti 2024, ekonomia shqiptare ndodhet n\u00eb nj\u00eb situat\u00eb ku po nd\u00ebrthuren ulja e inflacionit posht\u00eb objektivit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb me rritjen e shpejt\u00eb t\u00eb kreditimit. Nga ana tjet\u00ebr, performanca e sektorit bankar paraqitet mjaft e mir\u00eb, me fitime q\u00eb kan\u00eb arritur vlerat m\u00eb t\u00eb larta historike. Kjo po ndikon n\u00eb nj\u00eb oreks m\u00eb t\u00eb madh p\u00ebr rrezik dhe ofert\u00eb t\u00eb lart\u00eb p\u00ebr kredi.<\/p>\n
Nj\u00eb situat\u00eb e till\u00eb e nd\u00ebrlikon disi vendimmarrjen e ardhshme t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Ulja e m\u00ebtejshme e normave t\u00eb interesit nga niveli aktual prej 3% mund t\u00eb nxis\u00eb m\u00eb tej rritjen e kreditimit, gj\u00eb q\u00eb Banka e Shqip\u00ebris\u00eb p\u00ebr momentin nuk e inkurajon, p\u00ebr shkak t\u00eb rreziqeve t\u00eb shtuara q\u00eb mund t\u00eb shtroj\u00eb p\u00ebr stabilitetin financiar.\/ Monitor.al<\/p>\n
The post Raporti i kredive me probleme, i q\u00ebndruesh\u00ebm edhe p\u00ebr korrikun<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Raporti i kredive me probleme ishte i q\u00ebndruesh\u00ebm edhe p\u00ebr muajin korrik. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, ky tregues p\u00ebsoi nj\u00eb r\u00ebnie shum\u00eb t\u00eb leht\u00eb n\u00eb 4.68%, nga 4.7% q\u00eb kishte qen\u00eb p\u00ebr qershorin. Me baz\u00eb vjetore, megjithat\u00eb, raporti i kredive me probleme vazhdon t\u00eb jet\u00eb n\u00eb r\u00ebnie. Nj\u00eb vit m\u00eb par\u00eb ky […]<\/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-459","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/459","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=459"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/459\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}