Sektori bankar realizoi m\u00eb shum\u00eb se 182 mij\u00eb disbursime t\u00eb kredive vitin e kaluar.<\/p>\n
Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri i kredive t\u00eb disbursuara p\u00ebsoi nj\u00eb r\u00ebnie me af\u00ebrsisht 4% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Numri i disbursimeve nuk p\u00ebrkon domosdoshm\u00ebrisht me numrin e kredive t\u00eb dh\u00ebna, sepse n\u00eb disa raste kredit\u00eb disbursohen n\u00eb transhe t\u00eb ndara. Shembuj t\u00eb till\u00eb jan\u00eb kredit\u00eb p\u00ebr bizneset, por shpesh edhe kredit\u00eb p\u00ebr blerjen e pronave nga individ\u00ebt, sidomos kur b\u00ebhet fjal\u00eb p\u00ebr prona t\u00eb blera para p\u00ebrfundimit dhe kur disbursimi i kredis\u00eb ndjek ecurin\u00eb e zbatimit t\u00eb projektit t\u00eb nd\u00ebrtimit.<\/p>\n
Ndikimin kryesor n\u00eb r\u00ebnien e numrit t\u00eb disbursimeve t\u00eb kredive e dha segmenti i individ\u00ebve.<\/p>\n
Numri i kredive t\u00eb dh\u00ebna p\u00ebr individ\u00ebt arriti n\u00eb rreth 89 mij\u00eb, 25% m\u00eb pak krahasuar me vitin 2024. Shuma totale e kredive t\u00eb disbursuara p\u00ebr individ\u00ebt arriti n\u00eb 106 miliard\u00eb lek\u00eb, me nj\u00eb rritje vjetore prej rreth 15%.<\/p>\n
Rritja e shum\u00ebs s\u00eb disbursuar, p\u00ebrkundrejt nj\u00eb numri m\u00eb t\u00eb vog\u00ebl t\u00eb kredive t\u00eb dh\u00ebna tregon se vlerat mesatare t\u00eb kredive t\u00eb dh\u00ebna kan\u00eb qen\u00eb ndjesh\u00ebm m\u00eb t\u00eb larta gjat\u00eb vitit 2025.<\/p>\n
Kjo mund t\u00eb lidhet si me ekspozime m\u00eb t\u00eb m\u00ebdha n\u00eb segmentin e kredis\u00eb p\u00ebr blerjen e banesave, por pjes\u00ebrisht edhe me rritjen e ndjeshme t\u00eb shum\u00ebs mesatare t\u00eb kredive konsumator\u00eb. N\u00eb vijim t\u00eb aplikimit t\u00eb disa masave kufizuese n\u00eb kredin\u00eb p\u00ebr sht\u00ebpi, bankat kan\u00eb reaguar duke rritur nivelet maksimale t\u00eb kredive konsumator\u00eb t\u00eb pasiguruara me kolateral.<\/p>\n
N\u00eb num\u00ebr, kredit\u00eb e individ\u00ebve p\u00ebrb\u00ebjn\u00eb rreth 49% t\u00eb totalit, nd\u00ebrsa n\u00eb vler\u00eb rreth 34% t\u00eb tyre.<\/p>\n
Rritja m\u00eb e madhe e numrit t\u00eb kredive erdhi n\u00eb segmentin e biznesit. Numri i kredive t\u00eb disbursuara p\u00ebr bizneset vitin e kaluar arriti n\u00eb pothuajse 93 mij\u00eb, me nj\u00eb rritje prej 26% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Kredit\u00eb e biznesit p\u00ebrb\u00ebnin pak m\u00eb shum\u00eb se 51% t\u00eb numrit total t\u00eb kredive t\u00eb disbursuara, nga 39% q\u00eb zinin nj\u00eb vit m\u00eb par\u00eb. Vlera totale e disbursimeve t\u00eb kredive p\u00ebr bizneset ishte af\u00ebrsisht 207 miliard\u00eb lek\u00eb ose 2% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Ndryshe nga sa ka ndodhur p\u00ebr individ\u00ebt, n\u00eb rastin e bizneseve bankat kan\u00eb dh\u00ebn\u00eb m\u00eb shum\u00eb kredi, por p\u00ebr nj\u00eb vler\u00eb mesatare m\u00eb t\u00eb vog\u00ebl.<\/p>\n
Statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb japin disa t\u00eb dh\u00ebna edhe p\u00ebr ecurin\u00eb e pagesave t\u00eb kredive. Vitin e kaluar, bizneset kryen 365 mij\u00eb pagesa t\u00eb k\u00ebsteve kredis\u00eb ose rreth 30 mij\u00eb pagesa kredie n\u00eb muaj. Numri i pagesave u rrit me 13% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Numri i pagesave jep nj\u00eb informacion orientues lidhur me numrin e kredive aktive dhe me rregullsin\u00eb e shlyerjes s\u00eb tyre.<\/p>\n
Megjithat\u00eb, duhet konsideruar se struktura e shlyerjes s\u00eb kredive t\u00eb biznesit jo gjithmon\u00eb \u00ebsht\u00eb e nj\u00ebjt\u00eb me at\u00eb t\u00eb individ\u00ebve, ku zakonisht pagesat kryhen me baz\u00eb mujore.<\/p>\n
Individ\u00ebt vitin e kaluar kryen af\u00ebrsisht 2.17 milion\u00eb pagesa t\u00eb k\u00ebsteve t\u00eb kredis\u00eb ose mesatarisht rreth 180 mij\u00eb pagesa n\u00eb muaj.<\/p>\n
Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, raporti i kredive me probleme vitin e kaluar zbriti n\u00eb 3.8%, nga 4.17% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Ky tregues ka arritur nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej shtatorit t\u00eb vitit 2008. \/Monitor<\/p>\n
The post Bankat dhan\u00eb rreth 182 mij\u00eb kredi vitin e kaluar, r\u00ebnie e leht\u00eb nga 2024-a<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Sektori bankar realizoi m\u00eb shum\u00eb se 182 mij\u00eb disbursime t\u00eb kredive vitin e kaluar. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri i kredive t\u00eb disbursuara p\u00ebsoi nj\u00eb r\u00ebnie me af\u00ebrsisht 4% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Numri i disbursimeve nuk p\u00ebrkon domosdoshm\u00ebrisht me numrin e kredive t\u00eb dh\u00ebna, sepse n\u00eb disa raste kredit\u00eb disbursohen […]<\/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-80342","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/80342","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=80342"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/80342\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=80342"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=80342"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=80342"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}