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Numri i deg\u00ebve t\u00eb sektorit bankar ra m\u00eb tej n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti dhe preku shifr\u00ebn m\u00eb t\u00eb ul\u00ebt t\u00eb 16 viteve t\u00eb fundit.<\/span><\/p>\n T\u00eb dh\u00ebnat e raportuara nga Shoqata Shqiptare e Bankave tregojn\u00eb se numri i deg\u00ebve zbriti n\u00eb 383, nga 396 q\u00eb ishin n\u00eb fund t\u00eb vitit 2022 dhe 418 n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n N\u00eb pjes\u00ebn m\u00eb t\u00eb madhe, r\u00ebnia e numrit t\u00eb deg\u00ebve gjat\u00eb vitit t\u00eb kaluar dhe pjes\u00ebs s\u00eb par\u00eb t\u00eb k\u00ebtij viti i detyrohet bashkimit mes bankave OTP Albania dhe Alpha Bank, q\u00eb solli si rezultat mbylljen e nj\u00eb pjese t\u00eb deg\u00ebve t\u00eb tyre.<\/span><\/p>\n N\u00eb mesin e vitit t\u00eb kaluar, OTP dhe Alpha kishin 75 deg\u00eb t\u00eb marra s\u00eb bashku, nd\u00ebrsa n\u00eb mesin e k\u00ebtij viti OTP kishte vet\u00ebm 49 deg\u00eb. Nga 34 deg\u00eb t\u00eb Alpha Bank, 26 prej tyre u mbyll\u00ebn.<\/span><\/p>\n N\u00eb tremujorin e fundit t\u00eb vitit t\u00eb kaluar, edhe Credins Bank vendosi t\u00eb mbyllte shtat\u00eb deg\u00eb, nd\u00ebrsa Tirana Bank mbylli dy t\u00eb tilla. Nd\u00ebrkoh\u00eb, bankat e tjera nuk kan\u00eb pasur ndryshime n\u00eb numrin e deg\u00ebve aktive.<\/span><\/p>\n Numri i deg\u00ebve dhe agjencive bankare arriti nivelin m\u00eb t\u00eb lart\u00eb n\u00eb vitin 2012, me 556 deg\u00eb dhe agjenci. Nga ai moment, numri i nj\u00ebsive bankare t\u00eb sh\u00ebrbimit nisi t\u00eb pak\u00ebsohet.<\/span><\/p>\n Efektet e kriz\u00ebs dhe nevoja p\u00ebr nj\u00eb kontroll m\u00eb rigoroz t\u00eb shpenzimeve b\u00ebri q\u00eb shumica e bankave t\u00eb frenonin zgjerimin e rrjetit dhe t\u00eb mbyllnin nj\u00eb pjes\u00eb t\u00eb deg\u00ebve ekzistuese.<\/span><\/p>\n Procesi u theksua m\u00eb shum\u00eb nga cikli i konsolidimit t\u00eb sektorit bankar dhe ulja e numrit t\u00eb bankave tregtare. Numri i bankave tregtare ka r\u00ebn\u00eb nga 16 n\u00eb 11 dhe si rezultat i bashkimeve mes bankave ekzistuese, nj\u00eb pjes\u00eb e mir\u00eb e deg\u00ebve t\u00eb bankave t\u00eb p\u00ebrthithura u mbyll\u00ebn.<\/span><\/p>\n Nj\u00eb faktor tjet\u00ebr me ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb dixhitalizimi dhe automatizimi i ofrimit t\u00eb sh\u00ebrbimeve dhe produkteve bankare. Sot pjesa m\u00eb e madhe e sh\u00ebrbimeve bankare mund t\u00eb ofrohen n\u00ebp\u00ebrmjet kanaleve dixhitale dhe kjo e ka ulur nevoj\u00ebn p\u00ebr pranin\u00eb fizike t\u00eb deg\u00ebve dhe t\u00eb stafit.<\/span><\/p>\n Megjithat\u00eb, \u00ebsht\u00eb e pritshme q\u00eb numri i deg\u00ebve t\u00eb bankave t\u00eb rritet s\u00ebrish deri n\u00eb fundin e k\u00ebtij viti. Banka e Bashkuar e Shqip\u00ebris\u00eb (UBA) ka n\u00eb plan hapjen e 12 deg\u00ebve t\u00eb reja, nga t\u00eb cilat shtat\u00eb n\u00eb Tiran\u00eb dhe pes\u00eb n\u00eb qytete t\u00eb tjera t\u00eb vendit.<\/span><\/p>\n Shqip\u00ebria ngelet nj\u00eb nd\u00ebr vendet me numrin m\u00eb t\u00eb ul\u00ebt t\u00eb deg\u00ebve bankare n\u00eb raport me popullsin\u00eb n\u00eb rajonin e Ballkanit Per\u00ebndimor dhe n\u00eb Europ\u00eb.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave krahasuese t\u00eb Bank\u00ebs Bot\u00ebrore, p\u00ebr vitin 2021, Shqip\u00ebria kishte 18.6 deg\u00eb dhe agjenci bankare p\u00ebr 100 mij\u00eb banor\u00eb. Shqip\u00ebris\u00eb ishte \u00ebsht\u00eb vendi i dyt\u00eb me dep\u00ebrtimin m\u00eb t\u00eb ul\u00ebt t\u00eb nj\u00ebsive bankare n\u00eb popullat\u00eb, pas Kosov\u00ebs, q\u00eb e kishte k\u00ebt\u00eb tregues n\u00eb nivelin 11.6 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb.<\/span><\/p>\n N\u00eb rajon, nivelin m\u00eb t\u00eb lart\u00eb t\u00eb k\u00ebtij treguesi e kishte Bosnje-Hercegovina me 29.8 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb, e ndjekur nga Serbia me 26.4 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb, Mali i Zi, me 25.8 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb dhe Maqedonia e Veriut me 22.4 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb.<\/span><\/p>\n Me p\u00ebrjashtim t\u00eb Kosov\u00ebs dhe Shqip\u00ebris\u00eb, t\u00eb gjitha vendet e tjera t\u00eb rajonit kan\u00eb nj\u00eb num\u00ebr deg\u00ebsh n\u00eb raport me popullsin\u00eb m\u00eb t\u00eb larta se mesatarja e Bashkimit Europian, q\u00eb p\u00ebr vitin 2021 ishte n\u00eb nivelin 21.1 deg\u00eb p\u00ebr 100 mij\u00eb banor\u00eb.<\/span><\/p>\n N\u00eb rastin e BE-s\u00eb, dep\u00ebrtimi i deg\u00ebve bankare n\u00eb dekad\u00ebn e fundit ka p\u00ebsuar nj\u00eb r\u00ebnie t\u00eb ndjeshme.<\/span><\/p>\n N\u00eb vitin 2010, ky tregues kishte qen\u00eb n\u00eb nivelin 35.4. Kjo lidhet pjes\u00ebrisht me kriz\u00ebn financiare, por arsyeja kryesore \u00ebsht\u00eb tendenca n\u00eb rritje e dixhitalizimit t\u00eb sh\u00ebrbimeve, q\u00eb e ka ulur gradualisht nevoj\u00ebn p\u00ebr nj\u00ebsi bankare fizike.<\/span><\/p>\n N\u00eb rajonin e Ballkanit Per\u00ebndimor, z\u00ebvend\u00ebsimi i sh\u00ebrbimeve bankare n\u00eb rrjet me ato dixhitale \u00ebsht\u00eb m\u00eb i ngadalt\u00eb, edhe p\u00ebr shkak t\u00eb stadit t\u00eb zhvillimit ekonomik t\u00eb rajonit.<\/span><\/p>\n P\u00ebr k\u00ebt\u00eb arsye, nj\u00eb prani m\u00eb e gjer\u00eb e deg\u00ebve ngelet e domosdoshme p\u00ebr t\u00eb mund\u00ebsuar zgjerimin e ofrimit t\u00eb sh\u00ebrbimeve bankare n\u00eb ekonomi.\/E.Shehu<\/span><\/p>\n
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