{"id":533546,"date":"2022-07-04T11:11:43","date_gmt":"2022-07-04T09:11:43","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=533546"},"modified":"2022-07-04T11:26:30","modified_gmt":"2022-07-04T09:26:30","slug":"institucionet-financiare-jo-banka-fituan-mbi-30-milione-euro-vitin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/07\/04\/institucionet-financiare-jo-banka-fituan-mbi-30-milione-euro-vitin-e-kaluar\/","title":{"rendered":"Institucionet financiare jo banka fituan mbi 30 milion\u00eb Euro vitin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Institucionet financiare jo banka sh\u00ebnuan nj\u00eb rritje t\u00eb ndjeshme t\u00eb fitimeve vitin e kaluar.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, vitin e kaluar k\u00ebto institucione raportuan nj\u00eb rezultat financiar pozitiv prej 3.66 miliard\u00eb lek\u00ebsh ose 30.5 milion\u00eb Eurosh. Fitimi neto i k\u00ebtij sektori \u00ebsht\u00eb rritur me 57% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

N\u00eb pjes\u00ebn m\u00eb t\u00eb madhe, kjo shpjegohet shp\u00ebrndarjen e dividendit nga banka tregtare, t\u00eb cilat kan\u00eb si aksionar\u00eb institucione financiare jobanka. Ndikim pozitiv n\u00eb rritjen e fitimeve t\u00eb sektorit ka dh\u00ebn\u00eb edhe rritja e fitimeve t\u00eb disa prej institucioneve kryesore t\u00eb kredidh\u00ebnies dhe mikrokredis\u00eb, si Fondi Besa, Iute Credit Albania, Kredo Finance dhe Micro Credit Albania.<\/span><\/p>\n

Rezultati i institucioneve financiare jobanka p\u00ebrb\u00ebn rreth 14.5% t\u00eb rezultatit t\u00eb sistemit bankar. Megjithat\u00eb, treguesit e rentabilitetit rezultuan n\u00eb nivele pak m\u00eb t\u00eb larta krahasuar me sektorin bankar, sidomos ai i kthimit nga aktivet. Kthimi nga aktivet p\u00ebr tregun arriti n\u00eb 4,8% (nga 3,44% n\u00eb vitin 2020), nd\u00ebrsa kthimi nga kapitali arriti n\u00eb 13,83% (nga 9,47% n\u00eb vitin 2020).<\/span><\/p>\n

Viti i kaluar ishte pozitiv p\u00ebr volume e biznesit t\u00eb institucioneve financiare jo banka. N\u00eb fund t\u00eb vitit 2021, portofoli i kredis\u00eb bruto p\u00ebr IFJB-t\u00eb arriti n\u00eb 42.1 miliard\u00eb lek\u00eb, n\u00eb rritje me 15.1% krahasuar me vitin paraardh\u00ebs. Kontributin kryesor n\u00eb k\u00ebt\u00eb rritje e dha segmenti i mikrokredis\u00eb, q\u00eb solli rreth 70% t\u00eb shtes\u00ebs prej 5.5 miliard\u00eb Lek\u00ebsh n\u00eb portofolin e kredis\u00eb.<\/span><\/p>\n

Pjesa m\u00eb e madhe e portofolit t\u00eb kredis\u00eb s\u00eb IFJB-ve mbahet nga subjektet e kredidh\u00ebnies dhe mikrokredis\u00eb (76.1%). M\u00eb pas renditet portofoli i subjekteve t\u00eb qiras\u00eb financiare (22,8%) dhe portofoli i subjekteve faktoring (1,1%).<\/span><\/p>\n

Portofoli i kredis\u00eb s\u00eb IFJB-ve arrin n\u00eb 5.9% t\u00eb totalit t\u00eb kredis\u00eb s\u00eb sistemit bankar, duke ruajtur pothuajse t\u00eb nj\u00ebjt\u00ebn pesh\u00eb krahasuar me vitin paraardh\u00ebs.<\/span><\/p>\n

N\u00eb terma neto (duke zbritur provigjionet), portofoli i kredis\u00eb arriti vler\u00ebn e 37.4 miliard\u00eb Lek\u00ebve, n\u00eb rritje me 11.6% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Rritja disi m\u00eb e ul\u00ebt n\u00eb terma neto i detyrohet kryesisht shtimit t\u00eb provigjioneve p\u00ebrkeq\u00ebsimit t\u00eb cil\u00ebsis\u00eb s\u00eb portofolit t\u00eb kredis\u00eb.<\/span><\/p>\n

Raporti i kredive me probleme t\u00eb sektorit u rrit n\u00eb 13.6%, nga 11.2% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Rritja e kredive me probleme ka ardhur kryesisht si pasoj\u00eb e p\u00ebrkeq\u00ebsimit t\u00eb cil\u00ebsis\u00eb s\u00eb portofolit n\u00eb subjektet e mikrokredis\u00eb. Ky sektor n\u00eb vitet e fundit po rritet me ritme t\u00eb shpejta dhe nivelet relativisht t\u00eb larta t\u00eb riskut t\u00eb marra p\u00ebrsip\u00ebr jan\u00eb reflektuar edhe n\u00eb nj\u00eb keq\u00ebsim t\u00eb cil\u00ebsis\u00eb s\u00eb portofolit t\u00eb kredis\u00eb. \/ E. Shehu.<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n

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  Institucionet financiare jo banka sh\u00ebnuan nj\u00eb rritje t\u00eb ndjeshme t\u00eb fitimeve vitin e kaluar. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, vitin e kaluar k\u00ebto institucione raportuan nj\u00eb rezultat financiar pozitiv prej 3.66 miliard\u00eb lek\u00ebsh ose 30.5 milion\u00eb Eurosh. Fitimi neto i k\u00ebtij sektori \u00ebsht\u00eb rritur me 57% krahasuar me nj\u00eb vit m\u00eb par\u00eb. […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":533547,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-533546","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\/533546","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=533546"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/533546\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/533547"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=533546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=533546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=533546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}