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Q\u00eb nga\u00a0viti 2015 deri n\u00eb fund t\u00eb 2018-\u00ebs bankat kan\u00eb fshir\u00eb nga bilancet 46 p\u00ebr qind t\u00eb kredive t\u00eb k\u00ebqija ose 55 miliard\u00eb lek\u00eb (440 milion\u00eb euro).<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb raportoi se, gjasht\u00ebmujorit t\u00eb dyt\u00eb t\u00eb vitit 2018 kredia me probleme ra me gati 17% n\u00eb nivelin 64 miliard\u00eb lek\u00eb. Si rezultat, raporti i kredive me probleme zbriti n\u00eb nivelin 11.1% t\u00eb stokut t\u00eb kredis\u00eb, duke qen\u00eb rreth 2.2 pik\u00eb p\u00ebrqindjeje m\u00eb i ul\u00ebt se n\u00eb fund t\u00eb gjysm\u00ebs s\u00eb par\u00eb t\u00eb vitit.<\/span><\/p>\n Sipas kontributit, n\u00eb r\u00ebnien e kredive me probleme kan\u00eb ndikuar shlyerjet (p\u00ebr gati 17.6 miliard\u00eb lek\u00eb), fshirjet e kredive t\u00eb humbura (p\u00ebr gati 4.5 miliard\u00eb lek\u00eb) dhe ristrukturimet. Q\u00eb prej fillimit t\u00eb vitit 2015, vler\u00ebsohet se bankat kan\u00eb larguar nga bilancet e tyre gati 55.5 miliard\u00eb lek\u00eb kredi t\u00eb humbura.<\/span><\/p>\n N\u00eb fund t\u00eb vitit 2018, kredit\u00eb me probleme zbrit\u00ebn n\u00eb 11.08% t\u00eb totalit, duke u ulur ndjesh\u00ebm n\u00eb krahasim me rekordin e 25% q\u00eb arrit\u00ebn n\u00eb shtator 2014. N\u00eb vler\u00eb absolute, kredit\u00eb q\u00eb kan\u00eb m\u00eb shum\u00eb se 3 muaj q\u00eb nuk kthehen n\u00eb banka ishin 59 miliard\u00eb lek\u00eb fund t\u00eb 2018-s. Pa fshirjen, niveli i tyre do ishte 114 miliard\u00eb lek\u00eb, ose 21.4% e stokut total t\u00eb huas\u00eb n\u00eb dhjetor 2018.<\/span><\/p>\n Pak\u00ebsimi i kredive me probleme \u00ebsht\u00eb shoq\u00ebruar me uljen m\u00eb t\u00eb shpejt\u00eb t\u00eb rezervave p\u00ebr rrezikun e kredis\u00eb (provigjioneve), gj\u00eb q\u00eb ka sjell\u00eb uljen e raportit t\u00eb mbulimit t\u00eb tyre me provigjione me rreth 0.8 pik\u00eb p\u00ebrqindje, n\u00eb nivelin \u00a05.6%.<\/span><\/p>\n Pavar\u00ebsisht r\u00ebnies s\u00eb raportit t\u00eb mbulimit me provigjione, mbulimi me kapital i kredive me probleme neto \u00ebsht\u00eb p\u00ebrmir\u00ebsuar. Mbulimi me kolateral mbetet gjithashtu n\u00eb nivele t\u00eb larta.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb v\u00ebren se megjith\u00eb p\u00ebrmir\u00ebsimin, \u00ebsht\u00eb e nevojshme q\u00eb bankat t\u00eb ruajn\u00eb ritmet e uljes s\u00eb kredive me probleme. Kjo \u00ebsht\u00eb ve\u00e7an\u00ebrisht e r\u00ebnd\u00ebsishme p\u00ebr ato banka p\u00ebr t\u00eb cilat niveli i kredive me probleme \u00ebsht\u00eb mbi mesataren e sektorit. Vlerat e ark\u00ebtimeve t\u00eb kredive me probleme paraqiten n\u00eb nivele t\u00eb mira, duke evidentuar p\u00ebrpjekjet e bankave p\u00ebr ark\u00ebtimin e tyre dhe duke forcuar q\u00ebndrueshm\u00ebrin\u00eb e prirjes r\u00ebn\u00ebse t\u00eb kredive me probleme.<\/span><\/p>\n Mbi\u00e7mimi i kursit t\u00eb k\u00ebmbimit dhe normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit kan\u00eb ndikuar n\u00eb p\u00ebrmir\u00ebsimin e aft\u00ebsis\u00eb paguese t\u00eb huamarr\u00ebsve. Banka e Shqip\u00ebris\u00eb v\u00eb n\u00eb dukje se dy vitet e fundit flukset nga klasat performuese, drejt atyre joperformuese, kan\u00eb qen\u00eb relativisht t\u00eb q\u00ebndrueshme. Kjo ecuri evidenton nevoj\u00ebn p\u00ebr ruajtjen e kujdesit n\u00eb procesin e dh\u00ebnies dhe monitorimit t\u00eb kredis\u00eb.<\/span><\/p>\n