{"id":438156,"date":"2021-03-23T13:08:11","date_gmt":"2021-03-23T12:08:11","guid":{"rendered":"https:\/\/hashtag.al\/?p=438156"},"modified":"2021-03-23T13:08:11","modified_gmt":"2021-03-23T12:08:11","slug":"bankat-fitojne-afersisht-1-2-leke-per-cdo-100-leke-hua-qe-japin","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2021\/03\/23\/bankat-fitojne-afersisht-1-2-leke-per-cdo-100-leke-hua-qe-japin\/","title":{"rendered":"Bankat fitojn\u00eb af\u00ebrsisht 1.2 lek\u00eb p\u00ebr \u00e7do 100 lek\u00eb hua q\u00eb japin","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p><span style=\"color: #000000;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-438160\" src=\"https:\/\/hashtag.al\/wp-content\/uploads\/2021\/03\/sportel-banke.jpg\" alt=\"\" width=\"640\" height=\"452\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2021\/03\/sportel-banke.jpg 640w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2021\/03\/sportel-banke-300x212.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/span><\/p>\n<p><span style=\"color: #000000;\">T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb treguan se p\u00ebr vitin 2020, kthimi nga aktivet i sektorit bankar zbriti n\u00eb 1.2%, nga 1.5% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Ky tregues \u00ebsht\u00eb raporti i fitimit para tatimit me totalin e aktiveve t\u00eb sektorit bankar.<\/span><\/p>\n<p><span style=\"color: #000000;\">R\u00ebnia e tij n\u00eb vitin 2020 erdhi p\u00ebr shkak t\u00eb tendenc\u00ebs s\u00eb kund\u00ebrt t\u00eb fitimit me totalin e aktiveve t\u00eb bankave gjat\u00eb vitit t\u00eb kaluar. Fitimi neto p\u00ebsoi nj\u00eb r\u00ebnie me 15%, nd\u00ebrsa totali i aktiveve t\u00eb bankave u rrit me 7.2%.<\/span><\/p>\n<p><span style=\"color: #000000;\">Kthimi nga aktivet \u00ebsht\u00eb nj\u00eb tregues q\u00eb jep iden\u00eb e eficienc\u00ebs s\u00eb investimeve t\u00eb sektorit bankar. N\u00eb thelb, aktivet e bank\u00ebs konsistojn\u00eb n\u00eb forma t\u00eb ndryshme t\u00eb huadh\u00ebnies p\u00ebrmes procesit t\u00eb nd\u00ebrmjet\u00ebsimit financiar. K\u00ebto forma mund t\u00eb jen\u00eb kredi p\u00ebr individ\u00ebt dhe bizneset, hua p\u00ebr qeverin\u00eb, p\u00ebrmes blerjes s\u00eb bonove dhe obligacioneve, apo p\u00ebr institucione t\u00eb tjera financiare, n\u00eb form\u00ebn e vendosjeve dhe mbajtjes s\u00eb llogarive. <\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00eb vitet e fundit, ky tregues ka qen\u00eb n\u00eb intervalin mes 1.2% dhe 1.5%, q\u00eb tregojn\u00eb fitime jo shum\u00eb t\u00eb larta n\u00eb raport me p\u00ebrmasat totale t\u00eb sektorit. K\u00ebto nivele t\u00eb kthimit nga aktivet p\u00ebrcaktohen shum\u00eb nga fakti q\u00eb sektori bankar shqiptar operon p\u00ebrgjith\u00ebsisht me profil t\u00eb nj\u00eb rreziku t\u00eb ul\u00ebt dhe likuiditeti t\u00eb lart\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">Mb\u00ebshtetur n\u00eb t\u00eb dh\u00ebnat nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit t\u00eb kaluar, raporti mes kredive dhe depozitave, si edhe ai mes aktiveve likuide dhe detyrimeve afatshkurtra ishin t\u00eb dy n\u00eb nivelin 47.4%. Vet\u00ebm 38.5% e aktiveve totale t\u00eb bankave jan\u00eb kredi p\u00ebr sektorin privat, nd\u00ebrsa pjesa m\u00eb e madhe konsiston n\u00eb aktive me rrezik t\u00eb ul\u00ebt, kryesisht letra me vler\u00eb qeveritare dhe vendosje e depozita n\u00eb banka jasht\u00eb vendit.<\/span><\/p>\n<p><span style=\"color: #000000;\">Rreziku m\u00eb i ul\u00ebt n\u00ebnkupton edhe p\u00ebrfitime m\u00eb t\u00eb ul\u00ebta, sidomos p\u00ebr investimet n\u00eb valut\u00eb t\u00eb huaj. Normat e interesit t\u00eb euros, q\u00eb \u00ebsht\u00eb valuta e huaj dominuese n\u00eb bilancet e bankave, n\u00eb tregjet nd\u00ebrkomb\u00ebtare jan\u00eb n\u00eb nivele pran\u00eb zeros dhe investimi i fondeve n\u00eb euro jasht\u00eb vendit n\u00eb p\u00ebrgjith\u00ebsi nuk sjell fitime t\u00eb m\u00ebdha p\u00ebr bankat. P\u00ebr shumic\u00ebn e bankave fitimi varet kryesisht nga cil\u00ebsia e portofolit t\u00eb huas\u00eb p\u00ebr sektorin privat.<\/span><\/p>\n<p><span style=\"color: #000000;\"> Vitin e kaluar bankat rrit\u00ebn ndjesh\u00ebm shpenzimet p\u00ebr fondin rezerv\u00eb t\u00eb humbjeve nga kredit\u00eb, p\u00ebr shkak t\u00eb nj\u00eb impakti t\u00eb pritsh\u00ebm negativ t\u00eb kriz\u00ebs n\u00eb treguesin e kredive me probleme. Kjo u reflektua edhe n\u00eb r\u00ebnien e treguesit t\u00eb kthimit nga aktivet, si edhe t\u00eb kthimit nga kapitali. N\u00eb terma neto, sektori bankar vitin e kaluar fitoi 16.9 miliard\u00eb lek\u00eb ose rreth 137 milion\u00eb euro.<\/span><\/p>\n<p><span style=\"color: #000000;\"><span style=\"color: #ff0000;\"><strong>VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e <a href=\"https:\/\/www.monitor.al\/bankat-fitojne-1-2-leke-per-cdo-100-leke-qe-japin-borxh\/\"><span style=\"color: #0000ff;\">Monitor<\/span><\/a><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-438158\" src=\"https:\/\/hashtag.al\/wp-content\/uploads\/2021\/03\/banka-1.jpg\" alt=\"\" width=\"644\" height=\"437\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2021\/03\/banka-1.jpg 644w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2021\/03\/banka-1-300x204.jpg 300w\" sizes=\"auto, (max-width: 644px) 100vw, 644px\" \/><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb treguan se p\u00ebr vitin 2020, kthimi nga aktivet i sektorit bankar zbriti n\u00eb 1.2%, nga 1.5% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Ky tregues \u00ebsht\u00eb raporti i fitimit para tatimit me totalin e aktiveve t\u00eb sektorit bankar. R\u00ebnia e tij n\u00eb vitin 2020 erdhi p\u00ebr shkak t\u00eb tendenc\u00ebs [&hellip;]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":438160,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-438156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/438156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=438156"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/438156\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/438160"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=438156"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=438156"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=438156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}