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Numri i llogarive bankare u rrit p\u00ebr t\u00eb dytin vit radhazi n\u00eb 2022.<\/p>\n
T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se numri total i llogarive bankare n\u00eb fund t\u00eb vitit ishte rreth 3.11 milion\u00eb, me nj\u00eb rritje prej 2% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Gjat\u00eb vitit t\u00eb kaluar, numri i llogarive aktive n\u00eb sektorin bankar \u00ebsht\u00eb zgjeruar me af\u00ebrsisht 61 mij\u00eb t\u00eb tilla. Numri i llogarive bankare \u00ebsht\u00eb rritur n\u00eb t\u00eb gjitha segmentet kryesore t\u00eb klient\u00ebve, te individ\u00ebt dhe bizneset rezidente apo jorezidente.<\/p>\n
Llogarit\u00eb e individ\u00ebve rezident\u00eb arrit\u00ebn n\u00eb af\u00ebrsisht 2.82 milion\u00eb, me nj\u00eb rritje vjetore prej 1.5%. Llogarit\u00eb e individ\u00ebve ndoq\u00ebn nj\u00eb prirje t\u00eb dukshme r\u00ebn\u00ebse n\u00eb periudh\u00ebn 2016-2020, \u00e7ka reflekton uljen e numrit t\u00eb bankave n\u00eb treg, por ndoshta edhe emigracionin dhe zhvillimet e pafavorshme demografike.<\/p>\n
Pas vitit 2021, numri i llogarive t\u00eb individ\u00ebve i \u00ebsht\u00eb kthyer rritjes, por ngelet ende larg nivelit maksimal prej 3.24 milion\u00eb, q\u00eb ishte regjistruar n\u00eb vitin 2016.<\/p>\n
Vitin e kaluar, rritja e numrit t\u00eb llogarive t\u00eb bizneseve rezidente ishte n\u00eb p\u00ebrmasa ndjesh\u00ebm m\u00eb t\u00eb larta, me 6.2% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. N\u00eb total, bankat raportojn\u00eb 239 mij\u00eb llogari t\u00eb bizneseve rezidente n\u00eb Shqip\u00ebri, vlera m\u00eb e lart\u00eb historike.<\/p>\n
Nd\u00ebrkoh\u00eb, numri i llogarive t\u00eb jorezident\u00ebve u rrit me ritme t\u00eb larta edhe vitin e kaluar, me 12.6% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Numri i p\u00ebrgjithsh\u00ebm i tyre arriti n\u00eb m\u00eb shum\u00eb se 50 mij\u00eb dhe llogarit\u00eb jorezidente p\u00ebrb\u00ebjn\u00eb rreth 1.6% t\u00eb numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb llogarive n\u00eb bankat shqiptare. Llogarit\u00eb e jorezident\u00ebve dominohen kryesisht nga individ\u00ebt, me 96% t\u00eb totalit.<\/p>\n
Numri i llogarive bankare n\u00eb Shqip\u00ebri arriti numrin m\u00eb t\u00eb lart\u00eb n\u00eb vitin 2016, me pothuajse 3.5 milion\u00eb. N\u00eb periudh\u00ebn 2016-2020, numri i tyre pati p\u00ebsuar r\u00ebnie t\u00eb vazhdueshme, nd\u00ebrsa pas vitit 2021 sh\u00ebnohet nj\u00eb tendenc\u00eb e re n\u00eb rritje.<\/p>\n
Megjith\u00ebse numri i llogarive bankare n\u00eb Shqip\u00ebri \u00ebsht\u00eb m\u00eb i lart\u00eb n\u00eb krahasim me numrin e p\u00ebrgjithsh\u00ebm t\u00eb popullsis\u00eb, n\u00eb vetvete kjo nuk ka dometh\u00ebnie shum\u00eb t\u00eb madhe p\u00ebr t\u00eb kuptuar dep\u00ebrtimin e llogarive bankare n\u00eb shoq\u00ebri. Nd\u00ebrsa shum\u00eb shqiptar\u00eb kan\u00eb disa llogari bankare, nj\u00eb pjes\u00eb e madhe e popullsis\u00eb n\u00eb mosh\u00eb madhore ende nuk e ka nj\u00eb t\u00eb till\u00eb.<\/p>\n
N\u00eb analizat e fundit, q\u00eb i takojn\u00eb vititi 2022, Banka e Shqip\u00ebris\u00eb vler\u00ebson se numri i individ\u00ebve n\u00eb mosh\u00eb madhore q\u00eb zot\u00ebrojn\u00eb nj\u00eb llogari bankare ka arritur n\u00eb 66%, nga rreth 40% q\u00eb vler\u00ebsohej ky tregues n\u00eb vitin 2017.<\/p>\n
Megjith\u00eb rritjen e ndjeshme n\u00eb vitet e fundit, nj\u00eb pjes\u00eb ende e madhe e shqiptar\u00ebve n\u00eb mosh\u00eb madhore nuk zot\u00ebrojn\u00eb ende nj\u00eb llogari bankare. Banka e Shqip\u00ebris\u00eb ka hartuar projektligjin p\u00ebr llogarin\u00eb bazike t\u00eb pagesave, q\u00eb reflekton direktiv\u00ebn p\u00ebrkat\u00ebse t\u00eb Bashkimit Europian, projektligj q\u00eb \u00ebsht\u00eb hedhur p\u00ebr konsultim publik edhe nga qeveria shqiptare dhe pritet q\u00eb k\u00ebt\u00eb vit ti propozohet p\u00ebr miratim Kuvendit.<\/p>\n
Projektligji parashikon se llogaria e pagesave me sh\u00ebrbime bazike do tu ofrohet konsumator\u00ebve dhe individ\u00ebve rezident\u00eb n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb nga t\u00eb gjitha bankat tregtare pa pages\u00eb ose me tarifa t\u00eb arsyeshme, me kusht q\u00eb ata t\u00eb mos ken\u00eb nj\u00eb llogari bankare ekzistuese.<\/p>\n
Sipas projektligjit, tarif\u00eb e arsyeshme do t\u00eb konsiderohet tarifa e cila nuk tejkalon 50% t\u00eb nivelit mesatar t\u00eb tarif\u00ebs s\u00eb aplikuar nga subjekti, p\u00ebr t\u00eb nj\u00ebjtat sh\u00ebrbime t\u00eb ofruara n\u00ebp\u00ebrmjet nj\u00eb llogarie t\u00eb zakonshme pagesash.<\/p>\n
Megjithat\u00eb, bankat do t\u00eb jen\u00eb t\u00eb detyruara t\u2019i ofrojn\u00eb sh\u00ebrbimet e pagesave me tarif\u00eb zero, p\u00ebr kategorit\u00eb q\u00eb i p\u00ebrkasin grupit t\u00eb konsumator\u00ebve t\u00eb cil\u00ebt p\u00ebrfitojn\u00eb nga t\u00eb drejtat e parashikuara n\u00eb legjislacionin q\u00eb rregullon asistenc\u00ebn sociale n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb.<\/p>\n
K\u00ebtu p\u00ebrfshihen p\u00ebrfituesit e pages\u00ebs s\u00eb papun\u00ebsis\u00eb, p\u00ebrfituesit e skem\u00ebs s\u00eb ndihm\u00ebs ekonomike, p\u00ebrfituesit e pages\u00ebs p\u00ebr paaft\u00ebsi ose p\u00ebr aft\u00ebsin\u00eb e kufizuar, p\u00ebrfituesit e pensioneve urbane dhe rurale n\u00eb skem\u00ebn e sigurimeve shoq\u00ebrore, p\u00ebrfituesit e ndihm\u00ebs ekonomike p\u00ebr arsimin e lart\u00eb, por edhe p\u00ebr kategori t\u00eb tjera t\u00eb p\u00ebrcaktuara me vendime t\u00eb posa\u00e7me nga Banka e Shqip\u00ebris\u00eb.<\/p>\n
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