![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2024\/01\/banka.jpg\")
<\/p>\n<\/p>\n
Pesha e bankave me kapital shqiptar n\u00eb tregun bankar \u00ebsht\u00eb n\u00eb rritje t\u00eb m\u00ebtejshme gjat\u00eb k\u00ebtij viti.<\/span><\/p>\n Statistikat e Shoqat\u00ebs Shqiptare t\u00eb Bankave tregojn\u00eb se n\u00eb fund t\u00eb 9-mujorit 2023 bankat me kapital vendas zot\u00ebronin 34.9% t\u00eb aktiveve totale t\u00eb sektorit bankar n\u00eb vend.<\/span><\/p>\n Q\u00eb nga fillimi i vitit 2023, pesha e bankave vendase n\u00eb treg u rrit me 1.1 pik\u00eb p\u00ebrqindje, nd\u00ebrsa q\u00eb prej vitit 2015, kur nisi cikli i shitblerjeve n\u00eb sektorin bankar, pjesa e tregut e bankave vendase \u00ebsht\u00eb rritur me m\u00eb shum\u00eb se dy her\u00eb.<\/span><\/p>\n Aktualisht, sistemi bankar ka pes\u00eb banka me kapital mbizot\u00ebrues shqiptar, Credins Bank, Banka Amerikane e Investimeve (ABI Bank), Tirana Bank, Union Bank dhe Banka e Bashkuar e Shqip\u00ebris\u00eb (UBA).<\/span><\/p>\n Credins Bank ngelet banka m\u00eb e madhe shqiptare, me 15.8% t\u00eb tregut, me nj\u00eb r\u00ebnie t\u00eb leht\u00eb nga niveli prej 15.9% q\u00eb mbante n\u00eb fund t\u00eb vitit 2022.<\/span><\/p>\n Vijon ABI Bank, q\u00eb zot\u00ebron 6.9% t\u00eb aktiveve totale, nga 6.2% t\u00eb q\u00eb zot\u00ebronte n\u00eb fund t\u00eb vitit 2022. Tirana Bank ka arritur tashm\u00eb n\u00eb 6.6% t\u00eb tregut, nga 6.1% q\u00eb mbante n\u00eb fund t\u00eb vitit 2022, nd\u00ebrsa pjesa e tregut e Union Bank \u00ebsht\u00eb n\u00eb nivelin 4.9%, n\u00eb nivele t\u00eb p\u00ebraf\u00ebrta me fundin e vitit 2022. Edhe banka m\u00eb e re me kapital shqiptar, Banka e Bashkuar e Shqip\u00ebris\u00eb, ka ruajtur nj\u00eb pjes\u00eb tregu t\u00eb pandryshuar, me 0.7 % t\u00eb totalit t\u00eb aktiveve.<\/span><\/p>\n Rritja e pesh\u00ebs s\u00eb bankave me kapital vendas n\u00eb tregun bankar \u00ebsht\u00eb nj\u00ebkoh\u00ebsisht rezultat i procesit t\u00eb shitblerjeve, por edhe i rritjes organike t\u00eb p\u00ebrmasave t\u00eb aktivitet.<\/span><\/p>\n Pasi sektori bankar filloi t\u00eb ndiente efektet e kriz\u00ebs q\u00eb nisi n\u00eb vitin 2008, shumica e bankave q\u00eb iu takonin grupeve bankare t\u00eb Eurozon\u00ebs u detyruan t\u00eb frenonin rritjen, p\u00ebr shkak t\u00eb p\u00ebrkeq\u00ebsimit t\u00eb cil\u00ebsis\u00eb s\u00eb portofolit t\u00eb kredis\u00eb dhe k\u00ebrkesave n\u00eb rritje rregullative nga autoritetet europiane t\u00eb mbik\u00ebqyrjes bankare.<\/span><\/p>\n Kjo krijoi m\u00eb shum\u00eb hap\u00ebsira n\u00eb treg p\u00ebr ato banka me aksioner\u00eb jasht\u00eb Eurozon\u00ebs, q\u00eb nuk kishin kufizime t\u00eb k\u00ebtij lloji. Mes tyre, bankat lokale ishin nd\u00ebr subjektet m\u00eb aktive, duke e zgjeruar pjes\u00ebn e tyre t\u00eb tregut, sidomos n\u00ebp\u00ebrmjet huadh\u00ebnies. Nj\u00eb shtys\u00eb t\u00eb m\u00ebtejshme prania e kapitalit vendas e mori nga procesi i shitblerjeve brenda sistemit.<\/span><\/p>\n ABI Bank hyri n\u00eb treg duke bler\u00eb fillimisht filialin e Credit Agricole dhe m\u00eb pas edhe bank\u00ebn NBG Albania. N\u00eb vitin 2019, edhe Tirana Bank u b\u00eb nj\u00eb bank\u00eb me kapital shqiptar, pasi Grupi Bankar i Pireut e shiti tek grupi Balfin. Nj\u00eb tjet\u00ebr bank\u00eb shqiptare q\u00eb g\u00ebrshetoi rritjen organike me zgjerimin p\u00ebrmes blerjeve ishte Union Bank, q\u00eb n\u00eb t\u00eb nj\u00ebjtin vit bleu Bank\u00ebn Nd\u00ebrkomb\u00ebtare Tregtare.<\/span><\/p>\n Mb\u00ebshtetur n\u00eb t\u00eb dh\u00ebnat paraprake t\u00eb Shoqat\u00ebs s\u00eb Bankave, gjat\u00eb 9 mujorit 2023 \u00ebsht\u00eb sh\u00ebnuar nj\u00eb r\u00ebnie e pjes\u00ebs s\u00eb tregut p\u00ebr shumic\u00ebn e bankave me kapital t\u00eb huaj.<\/span><\/p>\n Banka m\u00eb e madhe n\u00eb vend, Banka Komb\u00ebtare Tregtare (BKT) n\u00eb fund t\u00eb tremujorit t\u00eb tret\u00eb mbante 24.9% t\u00eb tregut, nga 26.2% q\u00eb zot\u00ebronte n\u00eb fillim t\u00eb vitit. Edhe Intesa Sanpaolo ka zbritur n\u00eb 10.4% t\u00eb aktiveve t\u00eb tregut, nga 10.6% q\u00eb mbante n\u00eb fund t\u00eb vitit 2022.<\/span><\/p>\n OTP Albania ka r\u00ebn\u00eb n\u00eb 9.3% t\u00eb aktiveve, nga 9.5% q\u00eb zot\u00ebronte n\u00eb fund t\u00eb vitit 2022.<\/span><\/p>\n T\u00eb vetmet banka me kapital t\u00eb huaj q\u00eb e kan\u00eb rritur pjes\u00ebn e tregut jan\u00eb Raiffeisen Bank Albania, n\u00eb 15.3%, nga 15% q\u00eb ishte n\u00eb fund t\u00eb 2022 dhe ProCredit Bank, q\u00eb ka arritur n\u00eb 2.3%, nga 2.2% q\u00eb mbante n\u00eb fund t\u00eb vitit 2022.<\/span><\/p>\n Fibank n\u00eb fund t\u00eb 9-mujorit ruante nj\u00eb pjes\u00eb tregu prej 2.7%, po aq sa n\u00eb fund t\u00eb vitit 2022. Megjith\u00ebse bankat me kapital t\u00eb huaj vazhdojn\u00eb t\u00eb jen\u00eb dominuese n\u00eb tregun bankar shqiptar, pjesa e tyre ka r\u00ebn\u00eb n\u00eb 65%, nga 66.2% q\u00eb kishte qen\u00eb n\u00eb fund t\u00eb 2022-t.<\/span><\/p>\n Sidoqoft\u00eb, kjo r\u00ebnie e pesh\u00ebs s\u00eb bankave m\u00eb t\u00eb m\u00ebdha mund t\u00eb shpjegohet n\u00eb nj\u00eb mas\u00eb t\u00eb madhe me nj\u00eb efekt m\u00eb t\u00eb fort\u00eb t\u00eb kursit t\u00eb k\u00ebmbimit, p\u00ebr shkak t\u00eb volumit m\u00eb t\u00eb madh t\u00eb aktiveve n\u00eb valut\u00eb t\u00eb huaj.\/E.Shehu<\/span><\/p>\n