{"id":623737,"date":"2023-10-16T12:23:10","date_gmt":"2023-10-16T10:23:10","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=623737"},"modified":"2023-10-16T12:23:10","modified_gmt":"2023-10-16T10:23:10","slug":"bankat-fshine-1-miliard-leke-kredi-te-humbura-nga-bilancet-ne-6-mujorin-e-pare","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2023\/10\/16\/bankat-fshine-1-miliard-leke-kredi-te-humbura-nga-bilancet-ne-6-mujorin-e-pare\/","title":{"rendered":"Bankat fshin\u00eb 1 miliard lek\u00eb kredi t\u00eb humbura nga bilancet n\u00eb 6-mujorin e par\u00eb","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Sektori bankar fshiu nga bilancet rreth 1 miliard lek\u00eb kredi t\u00eb humbura n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, procesi i nxjerrjes s\u00eb kredive jasht\u00eb bilanceve ka vazhduar, por me ritme m\u00eb t\u00eb ngadal\u00ebsuara, af\u00ebrsisht n\u00eb gjysm\u00ebn e vler\u00ebs s\u00eb fshir\u00eb gjat\u00eb gjasht\u00ebmujorit t\u00eb m\u00ebparsh\u00ebm.<\/span><\/p>\n

Gjat\u00eb dymb\u00ebdhjet\u00eb muajve t\u00eb fundit (qershor 2022-qershor 2023) jan\u00eb fshir\u00eb rreth 3 miliard\u00eb lek\u00eb kredi t\u00eb humbura dhe 2\/3 e k\u00ebtij v\u00ebllimi lidhet me kredi t\u00eb marra nga bizneset vendase.<\/span><\/p>\n

Vlera e kredive t\u00eb fshira n\u00eb periudh\u00ebn e fundit ishte sa 2.4% e tepric\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb kredive me probleme n\u00eb portofolin e bankave n\u00eb fund t\u00eb muajit qershor 2023, nd\u00ebrkoh\u00eb q\u00eb p\u00ebr gjasht\u00ebmujorin e kaluar ky raport ishte 6.1%.<\/span><\/p>\n

Fshirja e kredive t\u00eb humbura t\u00eb sektorit bankar nisi n\u00eb p\u00ebrmasa t\u00eb konsiderueshme n\u00eb vitin 2015, kur hyri n\u00eb fuqi detyrimi i vendosur nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb nxjerr\u00eb jasht\u00eb bilanceve kredit\u00eb e klasifikuara si t\u00eb humbura prej m\u00eb shum\u00eb se tre vjet\u00ebsh.<\/span><\/p>\n

Fshirjet dhan\u00eb nj\u00eb ndikim shum\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb uljen graduale t\u00eb raportit t\u00eb kredive me probleme t\u00eb sektorit bankar, q\u00eb n\u00eb at\u00eb periudh\u00eb kishte arritur n\u00eb kufijt\u00eb e 25%.<\/span><\/p>\n

Nxjerrja e kredive jasht\u00eb bilancit \u00ebsht\u00eb nj\u00eb operacion q\u00eb b\u00ebhet me q\u00ebllim uljen e raportit t\u00eb kredive me probleme t\u00eb bankave, por, megjithat\u00eb, ajo nuk ka ndonj\u00eb impakt n\u00eb performanc\u00ebn e tyre financiare.<\/span><\/p>\n

Kredit\u00eb e klasifikuara si t\u00eb humbura duhet detyrimisht t\u00eb provigjionohen n\u00eb mas\u00ebn 100%, \u00e7ka n\u00ebnkupton njohjen e plot\u00eb t\u00eb humbjeve prej tyre n\u00eb bilanc qysh para fshirjes. Nxjerrja e nj\u00eb kredie t\u00eb humbur jasht\u00eb bilancit gjithashtu nuk n\u00ebnkupton heqjen dor\u00eb nga procesi ligjor i mbledhjes dhe rekuperimit t\u00eb saj.<\/span><\/p>\n

N\u00eb p\u00ebrpjekje p\u00ebr t\u00eb nxitur pastrimin e m\u00ebtejsh\u00ebm t\u00eb portofoleve, Banka e Shqip\u00ebris\u00eb n\u00eb vitin 2020 vendosi shkurtimin e afatit p\u00ebr nxjerrjen jasht\u00eb bilancit t\u00eb kredive t\u00eb humbura n\u00eb dy vjet, nga tre vjet q\u00eb kishte qen\u00eb m\u00eb par\u00eb. Gjat\u00eb periudh\u00ebs janar 2015 \u2013 qershor 2023, bankat kan\u00eb fshir\u00eb nga bilancet e tyre rreth 80 miliard\u00eb lek\u00eb.<\/span><\/p>\n

K\u00ebt\u00eb vit, cil\u00ebsia portofolit t\u00eb kredis\u00eb s\u00eb sektorit bankar ngelet n\u00eb nivele t\u00eb p\u00ebraf\u00ebrta me vitin e kaluar, pavar\u00ebsisht nj\u00eb rritjeje ekonomike m\u00eb t\u00eb ngadalt\u00eb dhe normave m\u00eb t\u00eb larta t\u00eb interesit.<\/span><\/p>\n

N\u00eb fund t\u00eb muajit gusht, raporti i kredive me probleme t\u00eb sektorit ishte nivelin 5.3%, nga 5.2% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Frenimi i rritjes s\u00eb normave t\u00eb interesit n\u00eb Lek\u00eb ka b\u00ebr\u00eb q\u00eb treguesit benchmark (kryesisht yield-i i bonove 12-mujore) t\u00eb ulen krahasuar me gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar. Kjo ka frenuar edhe shtrenjtimin e kredive n\u00eb Lek\u00eb.<\/span><\/p>\n

Nga ana tjet\u00ebr, forcimi i Lekut n\u00eb kursin e k\u00ebmbimit me Euron duket se ka luajtur nj\u00eb rol pozitiv n\u00eb forcimin e aft\u00ebsis\u00eb paguese t\u00eb huamarr\u00ebsve q\u00eb kan\u00eb kredi n\u00eb monedh\u00ebn europiane dhe t\u00eb ardhura n\u00eb Lek\u00eb. Ky forcim ka balancuar dhe tejkaluar rritjen e normave t\u00eb interesit t\u00eb kredive, duke kontribuar n\u00eb ruajtjen e cil\u00ebsis\u00eb s\u00eb portofolit.<\/span><\/p>\n

VINI RE<\/strong><\/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":"

Sektori bankar fshiu nga bilancet rreth 1 miliard lek\u00eb kredi t\u00eb humbura n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, procesi i nxjerrjes s\u00eb kredive jasht\u00eb bilanceve ka vazhduar, por me ritme m\u00eb t\u00eb ngadal\u00ebsuara, af\u00ebrsisht n\u00eb gjysm\u00ebn e vler\u00ebs s\u00eb fshir\u00eb gjat\u00eb gjasht\u00ebmujorit t\u00eb m\u00ebparsh\u00ebm. Gjat\u00eb dymb\u00ebdhjet\u00eb muajve […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":623740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-623737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/623737","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=623737"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/623737\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/623740"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=623737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=623737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=623737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}