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Sektori bankar fshiu nga bilancet rreth 6 miliard\u00eb lek\u00eb kredi t\u00eb humbura vitin e kaluar.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se fshirjet kan\u00eb vazhduar t\u00eb japin nj\u00eb kontribut dometh\u00ebn\u00ebs n\u00eb uljen e raportit t\u00eb kredive me probleme edhe gjat\u00eb vitit 2022. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, pjesa m\u00eb e madhe e kredive t\u00eb fshira ishin kredi n\u00eb monedh\u00ebn euro t\u00eb mbajtura nga sektori i biznesit. Gjat\u00eb periudh\u00ebs 2015 \u2013 2022, bankat kan\u00eb fshir\u00eb nga bilancet e tyre rreth 80 miliard\u00eb lek\u00eb kredi t\u00eb humbura.<\/span><\/p>\n Kredit\u00eb me probleme vitin e kaluar sh\u00ebnuan nivelet m\u00eb t\u00eb ul\u00ebta t\u00eb 13 viteve t\u00eb fundit, qoft\u00eb t\u00eb shprehura si raport, ashtu edhe n\u00eb vler\u00eb absolute.<\/span><\/p>\n Raporti i kredive me probleme ra n\u00eb nivelin 5% (nga 5.65% nj\u00eb vit m\u00eb par\u00eb), nd\u00ebrsa stoku i kredive me probleme ra n\u00eb 36 miliard\u00eb lek\u00eb (nga 40 miliard\u00eb lek\u00eb nj\u00eb vit m\u00eb par\u00eb). Bankat kan\u00eb raportuar p\u00ebrmir\u00ebsim t\u00eb cil\u00ebsis\u00eb s\u00eb kredis\u00eb kryesisht p\u00ebr kredin\u00eb me maturitet afatgjat\u00eb, kredin\u00eb p\u00ebr bizneset dhe kredin\u00eb n\u00eb valut\u00eb.<\/span><\/p>\n N\u00eb k\u00ebt\u00eb ecuri ka ndikuar kryesisht zvog\u00eblimi i stokut t\u00eb kredis\u00eb n\u00eb klasat e kredive \u201cn\u00ebnstandard\u201d dhe \u201ct\u00eb humbura\u201d. Kjo ecuri \u00ebsht\u00eb p\u00ebrcaktuar nga fshirjet e kredive t\u00eb humbura nga bilancet e bankave, shlyerjet e kredive me probleme, si edhe riklasifikimi i kredive me probleme n\u00eb klasa performuese.<\/span><\/p>\n Megjithat\u00eb, n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, flukset e reja t\u00eb shlyerjeve t\u00eb kreidve me probleme paraqiten n\u00eb r\u00ebnie, nd\u00ebrsa kalimet e kredis\u00eb drejt klasave joperformuese kan\u00eb ardhur n\u00eb rritje. K\u00ebta jan\u00eb sinjale paralajm\u00ebruese se raporti i kredive me probleme mund t\u00eb rritet gjat\u00eb k\u00ebtij viti.<\/span><\/p>\n Vler\u00ebsimi i cil\u00ebsis\u00eb dhe rrezikut t\u00eb kredis\u00eb mund t\u00eb plot\u00ebsohet n\u00ebp\u00ebrmjet analiz\u00ebs s\u00eb ecuris\u00eb s\u00eb disa treguesve plot\u00ebsues si norma e prurjeve t\u00eb kredive me probleme, norma e d\u00ebshtimit dhe norma e kredive me probleme t\u00eb rikuperuara.<\/span><\/p>\n K\u00ebta tregues, me p\u00ebrjashtim t\u00eb norm\u00ebs s\u00eb d\u00ebshtimit, sugjerojn\u00eb se gjat\u00eb dymb\u00ebdhjet\u00eb muajve t\u00eb fundit sektori bankar ka regjistruar m\u00eb shum\u00eb kredi t\u00eb reja me probleme, t\u00eb cilat pritet t\u00eb pasqyrohen n\u00eb treguesit e cil\u00ebsis\u00eb e kredis\u00eb. P\u00ebr tremujorin e fundit t\u00eb vitit 2022, fluksi i kredive t\u00eb reja me probleme ishte sa 2.1% e kredive t\u00eb rregullta, nga 1.8% dhe 1.5% nj\u00eb gjasht\u00ebmujor dhe nj\u00eb vit m\u00eb par\u00eb. Ky tregues ka sh\u00ebnuar vler\u00ebn maksimale prej 5% gjat\u00eb vitit 2019, dhe nj\u00eb rritje t\u00eb p\u00ebrkohshme deri n\u00eb nivelin 3% gjat\u00eb gjysm\u00ebs s\u00eb par\u00eb t\u00eb vitit 2021.<\/span><\/p>\n Norma e rikuperimit t\u00eb kredive me probleme ra n\u00eb 12%, nga 15% nj\u00eb vit m\u00eb par\u00eb. Kjo ecuri tregon nj\u00eb rritje t\u00eb v\u00ebshtir\u00ebsis\u00eb s\u00eb bankave p\u00ebr t\u00eb rikuperuar kredit\u00eb me probleme.<\/span><\/p>\n Nga ana tjet\u00ebr, norma e d\u00ebshtimit q\u00eb tregon shpejt\u00ebsin\u00eb me t\u00eb cil\u00ebn akumulohen kredit\u00eb e humbura n\u00eb krahasim me portofolin e p\u00ebrgjithsh\u00ebm t\u00eb kredis\u00eb rezultoi 1%, duke ruajtur nivelin e gjasht\u00eb muajve m\u00eb par\u00eb, por duke r\u00ebn\u00eb leht\u00eb nga niveli prej 1.6% i nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n N\u00eb fakt, t\u00eb dh\u00ebnat p\u00ebr dy muajt e par\u00eb t\u00eb vitit 2023 kan\u00eb treguar nj\u00eb rritje t\u00eb leht\u00eb t\u00eb raportit t\u00eb kredive me probleme, q\u00eb kan\u00eb arritur n\u00eb nivelin 5.2%.\/E.Shehu<\/span><\/p>\n