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Fitimi i sektorit bankar sipas standardeve lokale t\u00eb mbik\u00ebqyrjes t\u00eb aplikuara nga Banka e Shqip\u00ebris\u00eb sh\u00ebnoi nj\u00eb rritje t\u00eb fort\u00eb n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga banka qendrore, fitimi neto i sektorit sipas k\u00ebtyre standardeve arriti vler\u00ebn e 14.7 miliard\u00eb lek\u00ebve, me nj\u00eb rritje prej 127% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Fitimi sipas standardeve lokaale \u00ebsht\u00eb edhe m\u00eb i lart\u00eb se fitimi prej 13.6 miliard\u00eb lek\u00ebsh i raportuar p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar (IFRS).<\/span><\/p>\n Rritja e fitimit ka ndikuar n\u00eb nj\u00eb rritje t\u00eb fort\u00eb edhe n\u00eb treguesit e rentabilitetit.<\/span><\/p>\n Kthimi nga kapitali aksioner (ROE), mesatarizuar me baz\u00eb vjetore, \u00ebsht\u00eb rritur n\u00eb 15.87%, nga 7.22% q\u00eb kishte qen\u00eb n\u00eb mesin e vitit t\u00eb kaluar.<\/span><\/p>\n Nd\u00ebrsa kthimi nga aktivet para taksave (ROA) \u00ebsht\u00eb rritur n\u00eb 1.84%, nga 0.8% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n Rezultatet n\u00eb rritje t\u00eb bankave jan\u00eb mb\u00ebshtetur paralelisht nga rritja e t\u00eb ardhurave neto nga interesat dhe nga rritja e t\u00eb ardhurave t\u00eb tjera.<\/span><\/p>\n Rezultati neto nga interesat arriti n\u00eb 33.2 miliard\u00eb lek\u00eb, me nj\u00eb rritje prej 34% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Rritja e normave referuese t\u00eb interesit prej vitit t\u00eb kaluar \u00ebsht\u00eb reflektuar edhe n\u00eb normat e kredive me interes t\u00eb ndryshuesh\u00ebm t\u00eb sektorit bankar.<\/span><\/p>\n Megjith\u00ebse rritja e norm\u00ebs s\u00eb interesave \u00ebsht\u00eb reflektuar edhe n\u00eb krahun e depozitave, me nj\u00eb rritje t\u00eb shpenzimeve p\u00ebr interesa me af\u00ebrsisht 50% krahasuar me nj\u00eb vit m\u00eb par\u00eb, n\u00eb terma neto rritja e interesave ka sjell\u00eb zgjerim t\u00eb ndjesh\u00ebm t\u00eb rezultatit nga interesat.<\/span><\/p>\n Paralelisht, sektori ka raportuar edhe nj\u00eb rritje t\u00eb lart\u00eb t\u00eb t\u00eb ardhurave t\u00eb tjera, jo nga interesat.<\/span><\/p>\n K\u00ebto t\u00eb ardhura kan\u00eb arritur n\u00eb 7.6 miliard\u00eb lek\u00eb, n\u00eb rritje me 204% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Efektin kryesor n\u00eb k\u00ebt\u00eb rritje e ka dh\u00ebn\u00eb r\u00ebnia e ndjeshme e humbjeve nga instrumentet financiare.<\/span><\/p>\n Vitin e kaluar, rritja e shpejt\u00eb e yield-eve solli humbje t\u00eb konsiderueshme n\u00eb portofolin e titujve t\u00eb mbajtura me vler\u00eb t\u00eb drejt\u00eb.<\/span><\/p>\n P\u00ebr gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti, ky efekt ka qen\u00eb m\u00eb i kufizuar, edhe sepse bankat i kan\u00eb zhvendosur portofolet drejt kategoris\u00eb \u201ct\u00eb mbajtura deri n\u00eb maturim\u201d, p\u00ebr t\u00eb pasur nj\u00eb ndikim m\u00eb t\u00eb vog\u00ebl nga rritja e yield-eve, q\u00eb p\u00ebr instrumentet n\u00eb valut\u00eb t\u00eb huaj ka vazhduar edhe n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n P\u00ebrmir\u00ebsimi i ndjesh\u00ebm n\u00eb krahun e t\u00eb ardhurave ka ndikuar n\u00eb rritjen e fitimit, pavar\u00ebsisht nj\u00eb rritjeje paralele edhe t\u00eb shpenzimeve.<\/span><\/p>\n Shpenzimet e bankave, p\u00ebrjashto ato p\u00ebr interesa, arrit\u00ebn n\u00eb 21.4 miliard\u00eb lek\u00eb, n\u00eb rritje me 11% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Rritja erdhi si nga rritja e shpenzimeve t\u00eb personelit, ashtu edhe nga rritja e shpenzimeve t\u00eb tjera operative.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, z\u00ebri m\u00eb i ndjesh\u00ebm i shpenzimeve, ai i lidhur me koston e rrezikut u rrit gjithashtu ndjesh\u00ebm n\u00eb rreth 2.1 miliard\u00eb lek\u00eb, nga pak m\u00eb shum\u00eb se 200 milion\u00eb lek\u00eb q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Rritja erdhi kryesisht nga rritja e provigjioneve p\u00ebr kredit\u00eb me probleme. Megjithat\u00eb, p\u00ebr momentin kjo rritje nuk ka dh\u00ebn\u00eb ndikime t\u00eb r\u00ebnd\u00ebsishme n\u00eb rezultatin financiar n\u00eb nivel sektori.<\/span><\/p>\n
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