Raporti i kredive me probleme e nisi me nj\u00eb rritje t\u00eb leht\u00eb vitin 2026.<\/p>\n
Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb janar raporti i kredive me probleme ishte n\u00eb nivelin 3.85%, nga 3.8% q\u00eb e kishte mbyllur vitin 2024. Ky tregues ngelet sidoqoft\u00eb n\u00eb r\u00ebnie me baz\u00eb vjetore, nga niveli prej 4.12% i nj\u00eb viti m\u00eb par\u00eb.<\/p>\n
Stoku i kredive me probleme n\u00eb fund t\u00eb janarit vler\u00ebsohet af\u00ebrsisht n\u00eb vler\u00ebn e 36.2 miliard\u00eb lek\u00ebve, n\u00eb rritje me 4.3% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Raporti i kredive me probleme pati shfaqur nj\u00eb ecuri t\u00eb luhatshme gjat\u00eb vitit 2025, por n\u00eb fund t\u00eb vitit p\u00ebsoi nj\u00eb zhvendosje m\u00eb t\u00eb dukshme n\u00eb ulje, e lidhur pjes\u00ebrisht kjo edhe me procesin e zakonsh\u00ebm t\u00eb fshirjes s\u00eb kredive t\u00eb humbura para mbylljes s\u00eb bilancit vjetor.<\/p>\n
Nga ana tjet\u00ebr, ulja e raportit t\u00eb kredive me probleme u mb\u00ebshtet edhe nga rritja me ritme t\u00eb shpejta e portofolit t\u00eb kredis\u00eb. Portofoli i kredis\u00eb p\u00ebr ekonomin\u00eb n\u00eb fund t\u00eb vitit 2025 arriti vler\u00ebn e 943.5 miliard\u00eb lek\u00ebve. Me baz\u00eb vjetore portofoli total i kredis\u00eb u rrit me 12.9%. Rritja e portofolit u p\u00ebrshpejtua m\u00eb tej, krahasuar me rritjen prej 12.3% t\u00eb vitit 2024.<\/p>\n
Megjithat\u00eb, rritja e shpejt\u00eb e kredis\u00eb n\u00eb dy vitet e fundit i ka shtuar shqet\u00ebsimet p\u00ebr cil\u00ebsin\u00eb e pritshme t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb n\u00eb vazhdim. K\u00ebto shqet\u00ebsime mund t\u00eb b\u00ebhen m\u00eb t\u00eb mprehta n\u00eb rast t\u00eb skenar\u00ebve q\u00eb mund t\u00eb p\u00ebrkeq\u00ebsojn\u00eb ecurin\u00eb e ekonomis\u00eb reale dhe aft\u00ebsin\u00eb paguese t\u00eb huamarr\u00ebsve. Shqet\u00ebsimi p\u00ebr skenar\u00eb t\u00eb k\u00ebtij lloji \u00ebsht\u00eb shtuar pas sulmeve mbi Iranin dhe tensioneve n\u00eb Lindjen e Mesme, q\u00eb kan\u00eb sjell\u00eb rritje t\u00eb \u00e7mimeve t\u00eb naft\u00ebs dhe rrjedhimisht edhe t\u00eb rreziqeve p\u00ebr nj\u00eb rritje t\u00eb inflacionit.<\/p>\n
N\u00eb nj\u00eb prononcim p\u00ebr \u201cMonitor\u201d n\u00eb fund t\u00eb vitit 2025, Banka e Shqip\u00ebris\u00eb vler\u00ebsonte se duhet b\u00ebr\u00eb kujdes q\u00eb t\u00eb kontrollohet dhe t\u00eb moderohet efekti i mundsh\u00ebm i zgjerimit t\u00eb shpejt\u00eb t\u00eb kredis\u00eb dhe i rritjes s\u00eb konkurrenc\u00ebs n\u00eb treg n\u00eb relaksimin e standardeve t\u00eb kreditimit.<\/p>\n
Banka e Shqip\u00ebris\u00eb, n\u00eb fakt ka reaguar n\u00ebp\u00ebrmjet shtr\u00ebngimeve rregullator\u00eb, duke rritur fillimisht k\u00ebrkesat e kapitalit p\u00ebr bankat tregtare, nd\u00ebrsa n\u00eb vijim n\u00ebp\u00ebrmjet miratimit t\u00eb disa parametrave kufi t\u00eb administrimit t\u00eb rrezikut, n\u00eb kredin\u00eb p\u00ebr blerjen e banesave nga individ\u00ebt. Megjithat\u00eb, n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar masat nuk kan\u00eb sjell\u00eb ndonj\u00eb frenim dometh\u00ebn\u00ebs n\u00eb ritmet e kredidh\u00ebnies me q\u00ebllim financimin e blerjes s\u00eb banesave.<\/p>\n
The post Shtohen kredit\u00eb problematike n\u00eb vend<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Raporti i kredive me probleme e nisi me nj\u00eb rritje t\u00eb leht\u00eb vitin 2026. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb janar raporti i kredive me probleme ishte n\u00eb nivelin 3.85%, nga 3.8% q\u00eb e kishte mbyllur vitin 2024. Ky tregues ngelet sidoqoft\u00eb n\u00eb r\u00ebnie me baz\u00eb vjetore, nga niveli prej 4.12% i nj\u00eb […]<\/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-75740","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/75740","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=75740"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/75740\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=75740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=75740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=75740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}