{"id":622769,"date":"2023-10-12T20:24:20","date_gmt":"2023-10-12T18:24:20","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=622769"},"modified":"2023-10-12T20:24:20","modified_gmt":"2023-10-12T18:24:20","slug":"forcimi-i-lekut-e-tkurri-me-40-miliarde-leke-portofolin-e-kredise-bankare","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2023\/10\/12\/forcimi-i-lekut-e-tkurri-me-40-miliarde-leke-portofolin-e-kredise-bankare\/","title":{"rendered":"Forcimi i Lekut e tkurri me 40 miliard\u00eb lek\u00eb portofolin e kredis\u00eb bankare","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Forcimi i Lekut e ka tkurrur portofolin e kredis\u00eb p\u00ebr ekonomin\u00eb me 40 miliard\u00eb lek\u00eb deri n\u00eb mesin e k\u00ebtij viti.<\/span><\/p>\n

Sipas p\u00ebrllogaritjeve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia bankare n\u00eb fund t\u00eb 6-mujorit 2023 u rrit me 2% me baz\u00eb vjetore, ku kontributin kryesor n\u00eb k\u00ebt\u00eb rritje e dhan\u00eb kredia afatshkurt\u00ebr, kredia p\u00ebr individ\u00ebt dhe kredia n\u00eb lek\u00eb.<\/span><\/p>\n

Kredia p\u00ebr individ\u00eb \u00ebsht\u00eb zgjeruar me ritme ve\u00e7an\u00ebrisht t\u00eb shpejta gjat\u00eb periudh\u00ebs dhe ndryshimi vjetor n\u00eb fund t\u00eb qershorit arriti n\u00eb 8.1%. Kredia n\u00eb lek\u00eb u zgjerua me 5.9%, nd\u00ebrsa ajo n\u00eb valut\u00eb e shprehur n\u00eb lek\u00eb u tkurr me 2.5%.<\/span><\/p>\n

Duke shtuar efektin statistikor t\u00eb kursit t\u00eb k\u00ebmbimit, i cili ishte negativ p\u00ebr rreth 40 miliard\u00eb lek\u00eb, ndryshimi vjetor i kredis\u00eb n\u00eb valut\u00eb do t\u00eb llogaritej n\u00eb 8.6% nd\u00ebrsa ai i kredis\u00eb s\u00eb p\u00ebrgjithshme rreth 7%.<\/span><\/p>\n

Sipas analiz\u00ebs s\u00eb fundit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb kuad\u00ebr t\u00eb strategjis\u00eb s\u00eb deeuroizimit, n\u00eb mesin e k\u00ebtij viti kredia n\u00eb valut\u00eb t\u00eb huaj p\u00ebrb\u00ebnte 50.3% t\u00eb portofolit total t\u00eb kredis\u00eb s\u00eb sektorit bankar n\u00eb Shqip\u00ebri.<\/span><\/p>\n

Megjith\u00ebse pesha e kredis\u00eb n\u00eb valut\u00eb \u00ebsht\u00eb n\u00eb r\u00ebnie (edhe p\u00ebr shkak t\u00eb efektit statistikor t\u00eb kursit t\u00eb k\u00ebmbimit), ajo ngelet n\u00eb shumic\u00eb dhe forcimi i Lekut ka nj\u00eb ndikim t\u00eb drejtp\u00ebrdrejt\u00eb n\u00eb tkurrjen e vler\u00ebs statistikore t\u00eb portofolit.<\/span><\/p>\n

Gjat\u00eb pjes\u00ebs s\u00eb par\u00eb t\u00eb vitit 2023, mbi\u00e7mimi i shpejt\u00eb i kursit t\u00eb k\u00ebmbimit t\u00eb Lekut ka ndikuar n\u00eb tkurrjen e kredis\u00eb sidomos p\u00ebr industrin\u00eb p\u00ebrpunuese, sektorin e energjis\u00eb, at\u00eb t\u00eb tregtis\u00eb dhe at\u00eb t\u00eb informacionit dhe komunikacionit.<\/span><\/p>\n

N\u00eb fund t\u00eb 6-mujorit t\u00eb par\u00eb t\u00eb k\u00ebtij viti, Euro u k\u00ebmbehej me 106.44 lek\u00eb, n\u00eb r\u00ebnie me 10.7% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. R\u00ebnia e Euros ka t\u00ebrhequr n\u00eb r\u00ebnie edhe kursin e valutave t\u00eb tjera kryesore ndaj Lekut.<\/span><\/p>\n

Mbi\u00e7mimi i lekut gjat\u00eb periudh\u00ebs, ka ndikuar n\u00eb ngadal\u00ebsimin e vler\u00ebs s\u00eb raportuar t\u00eb kredis\u00eb p\u00ebr bizneset dhe ka ndryshuar disi p\u00ebrb\u00ebrjen sektoriale t\u00eb saj. K\u00ebshtu, stoku i p\u00ebrgjithsh\u00ebm i tepric\u00ebs s\u00eb kredis\u00eb p\u00ebr bizneset, i shprehur n\u00eb Lek, mbeti pothuajse i pandryshuar n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, ndon\u00ebse nd\u00ebrkoh\u00eb kredia n\u00eb Lek u rrit me 4% dhe kredia n\u00eb Euro, e shprehur n\u00eb monedh\u00ebn origjinale, u rrit me 9%.<\/span><\/p>\n

Efekti i kursit t\u00eb k\u00ebmbimit ishte i ndjesh\u00ebm edhe n\u00eb madh\u00ebsin\u00eb totale t\u00eb aktiveve t\u00eb sektorit bankar. Bilanci i sektorit bankar u tkurr leht\u00eb me 1% (rreth 13 miliard\u00eb lek\u00eb) krahasuar me fundin e vitit 2022, n\u00ebn efektin statistikor t\u00eb mbi\u00e7mimit t\u00eb kursit t\u00eb k\u00ebmbimit t\u00eb lekut.<\/span><\/p>\n

N\u00eb terma vjetor\u00eb, norma e rritjes s\u00eb bilancit u ngadal\u00ebsua n\u00eb 3.2%. Duke qen\u00eb se rreth gjysma e bilancit t\u00eb sektorit bankar p\u00ebrb\u00ebhet nga instrumente t\u00eb denominuara n\u00eb valut\u00eb, efekti statistikor i mbi\u00e7mimit t\u00eb monedh\u00ebs vendase ndaj valutave kryesore gjat\u00eb periudh\u00ebs ka qen\u00eb i konsideruesh\u00ebm.<\/span><\/p>\n

Pavar\u00ebsisht se aktivet dhe detyrimet n\u00eb valut\u00eb jan\u00eb rritur m\u00eb shpejt sesa ato n\u00eb lek\u00eb, rritja e bilancit n\u00eb valut\u00eb \u00ebsht\u00eb frenuar nga efekti i mbi\u00e7mimit t\u00eb kursit t\u00eb k\u00ebmbimit t\u00eb lekut. Kjo ka b\u00ebr\u00eb q\u00eb pesha e z\u00ebrave n\u00eb valut\u00eb ndaj totalit t\u00eb bilancit t\u00eb mbetet pothuajse e pandryshuar.<\/span><\/p>\n

N\u00eb terma vjetor\u00eb, aktivet n\u00eb valut\u00eb u tkurr\u00ebn me 1%, nd\u00ebrsa detyrimet n\u00eb valut\u00eb u zgjeruan me 1%. Por, n\u00ebse korrigjohen p\u00ebr efektin e ndryshimit t\u00eb kursit t\u00eb k\u00ebmbimit, k\u00ebto ndryshime do t\u00eb ishin p\u00ebrkat\u00ebsisht n\u00eb rritje me 10% dhe 13%.<\/span><\/p>\n

Nga ana e aktiveve n\u00eb valut\u00eb, z\u00ebrat me pesh\u00ebn m\u00eb t\u00eb madhe mbeten aktiviteti kreditues dhe investimet nd\u00ebrbankare, nd\u00ebrkoh\u00eb q\u00eb gjat\u00eb tre vjet\u00ebve t\u00eb fundit \u00ebsht\u00eb v\u00ebrejtur rritje e pesh\u00ebs s\u00eb investimeve n\u00eb letrat me vler\u00eb.<\/span><\/p>\n

Nga ana e detyrimeve n\u00eb valut\u00eb, struktura paraqitet m\u00eb e q\u00ebndrueshme n\u00eb vite dhe dominohet nga depozitat n\u00eb valut\u00eb. Z\u00ebrat e m\u00ebsip\u00ebrm kan\u00eb p\u00ebrcaktuar n\u00eb mas\u00ebn m\u00eb t\u00eb madhe ndjeshm\u00ebrin\u00eb e sektorit bankar ndaj ndryshimeve n\u00eb kursin e k\u00ebmbimit.<\/span><\/p>\n

Efekti pak\u00ebsues statistikor i kursit t\u00eb k\u00ebmbimit \u00ebsht\u00eb ndjer\u00eb edhe mbi pjes\u00ebn n\u00eb valut\u00eb t\u00eb\u00a0 kapitalit t\u00eb sektorit bankar, me nj\u00eb vler\u00eb rreth 14 miliard\u00eb lek\u00eb.<\/span><\/p>\n

 <\/p>\n

VINI RE<\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Forcimi i Lekut e ka tkurrur portofolin e kredis\u00eb p\u00ebr ekonomin\u00eb me 40 miliard\u00eb lek\u00eb deri n\u00eb mesin e k\u00ebtij viti. Sipas p\u00ebrllogaritjeve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia bankare n\u00eb fund t\u00eb 6-mujorit 2023 u rrit me 2% me baz\u00eb vjetore, ku kontributin kryesor n\u00eb k\u00ebt\u00eb rritje e dhan\u00eb kredia afatshkurt\u00ebr, kredia p\u00ebr individ\u00ebt dhe […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":622773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-622769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/622769","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\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=622769"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/622769\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/622773"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=622769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=622769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=622769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}