{"id":645627,"date":"2024-01-11T09:01:40","date_gmt":"2024-01-11T08:01:40","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=645627"},"modified":"2024-01-11T09:01:40","modified_gmt":"2024-01-11T08:01:40","slug":"zevendesimi-i-tribor-it-me-yield-in-e-bonove-ul-normen-e-interesit-per-huamarresit-e-prekur-nga-ndryshimi","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2024\/01\/11\/zevendesimi-i-tribor-it-me-yield-in-e-bonove-ul-normen-e-interesit-per-huamarresit-e-prekur-nga-ndryshimi\/","title":{"rendered":"Z\u00ebvend\u00ebsimi i TRIBOR-it me yield-in e Bonove, ul norm\u00ebn e interesit p\u00ebr huamarr\u00ebsit e prekur nga ndryshimi","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/a><\/span><\/p>\n

N\u00eb gusht t\u00eb vitit t\u00eb kaluar, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosi q\u00eb llogaritja dhe publikimi i indekseve t\u00eb tregut nd\u00ebrbankar t\u00eb paras\u00eb, TRIBID dhe TRIBOR, do t\u00eb nd\u00ebrpritet af\u00ebrsisht nj\u00eb vit pas marrjes s\u00eb vendimit, n\u00eb 1 gusht 2024.<\/span><\/p>\n

Nd\u00ebrprerja e llogaritjes s\u00eb nj\u00ebrit prej treguesve, TRIBOR (interesi i ofruar p\u00ebr vendosjen e depozitave mes bankave tregtare), do t\u00eb ket\u00eb nj\u00eb efekt edhe p\u00ebr disa huamarr\u00ebs n\u00eb Lek\u00eb t\u00eb sektorit bankar, si\u00e7 kujtoi Banka e Shqip\u00ebris\u00eb me nj\u00eb njoftim t\u00eb dit\u00ebs s\u00eb mart\u00eb.<\/span><\/p>\n

Treguesi referues TRIBOR 12-mujor \u00ebsht\u00eb p\u00ebrdorur n\u00eb vitet e shkruara nga banka t\u00eb ve\u00e7anta (kryesisht Raiffeisen Bank Albania) n\u00eb kuotimin e kredive me norma t\u00eb ndryshueshme interesi.<\/span><\/p>\n

Duke qen\u00eb se TRIBOR 12-mujor nuk do t\u00eb llogaritet dhe nuk do t\u00eb publikohet m\u00eb q\u00eb prej muajit gusht, ky tregues do t\u00eb z\u00ebvend\u00ebsohet n\u00eb kontratat ekzistuese t\u00eb kredis\u00eb me yield-in e bonove 12-mujore t\u00eb thesarit, q\u00eb n\u00eb fakt ka qen\u00eb instrumenti benchmark m\u00eb gjer\u00ebsisht i p\u00ebrdorur p\u00ebr kredit\u00eb n\u00eb Lek\u00eb n\u00eb 20 vitet e fundit.<\/span><\/p>\n

Z\u00ebvend\u00ebsimi i indeksit benchmark pritet t\u00eb ket\u00eb edhe nj\u00eb efekt financiar p\u00ebr huamarr\u00ebsit, sepse TRIBORI 12-mujor ka qen\u00eb historikisht dhe vazhdon t\u00eb jet\u00eb n\u00eb nivel m\u00eb t\u00eb lart\u00eb se yield-i mesatar i ponderuar i bonove 12-mujore.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, kuotimi i TRIBOR 12-mujor m\u00eb dat\u00eb 10 janar 2024 ishte 4.2%. Nd\u00ebrkoh\u00eb, sipas rezultateve t\u00eb ankandit t\u00eb fundit, yield-i mesatar i ponderuar i bonove 12-mujore ishte 3.4%. Nj\u00eb huamarr\u00ebs q\u00eb do t\u00eb paraqitej n\u00eb bank\u00eb p\u00ebr t\u00eb b\u00ebr\u00eb ndryshimin e kontrat\u00ebs s\u00eb kredis\u00eb sot do t\u00eb p\u00ebrfitonte nj\u00eb norm\u00eb m\u00eb t\u00eb ul\u00ebt interesi nga ndryshimi i treguesit referues, me 0.8 pik\u00eb p\u00ebrqindje m\u00eb pak.<\/span><\/p>\n

N\u00eb krahun, tjet\u00ebr ky ndryshim do t\u00eb ket\u00eb ndikim negativ n\u00eb t\u00eb ardhurat nga interesi p\u00ebr bank\u00ebn huadh\u00ebn\u00ebse.<\/span><\/p>\n

N\u00eb p\u00ebrgjith\u00ebsi, bankat q\u00eb kan\u00eb p\u00ebrdorur TRIBOR si tregues benchmark kan\u00eb pasur p\u00ebrfitime t\u00eb konsiderueshme, sepse TRIBOR ka qen\u00eb n\u00eb vijim\u00ebsi m\u00eb i lart\u00eb krahasuar me yield-in e bonove t\u00eb thesarit.<\/span><\/p>\n

Mes fundit t\u00eb vitit 2022 dhe fillimit t\u00eb vitit 2023, TRIBORI 12-mujor arriti deri n\u00eb 6.3%, nd\u00ebrkoh\u00eb q\u00eb yield-et e bonove 12-mujore n\u00eb pik\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb dekad\u00ebs s\u00eb fundit (n\u00ebntor 2022) arrit\u00ebn deri n\u00eb 5.8%.<\/span><\/p>\n

Vitin e kaluar, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosi t\u00eb nd\u00ebrpres\u00eb llogaritjen e treguesve TRIBID dhe TRIBOR, duke qen\u00eb se k\u00ebto norma p\u00ebrllogariten bazuar n\u00eb kuotimet e bankave dhe jo n\u00eb veprime konkrete t\u00eb tregut nd\u00ebrbankar.<\/span><\/p>\n

P\u00ebr shkak t\u00eb volumeve t\u00eb pap\u00ebrfillshme t\u00eb veprimeve n\u00eb tregun nd\u00ebrbankar n\u00eb Shqip\u00ebri, k\u00ebta tregues nuk ishin shum\u00eb t\u00eb besuesh\u00ebm si benchmark p\u00ebr nd\u00ebrtimin e normave t\u00eb interesit t\u00eb produkteve t\u00eb tjera financiare.<\/span><\/p>\n

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

N\u00eb gusht t\u00eb vitit t\u00eb kaluar, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosi q\u00eb llogaritja dhe publikimi i indekseve t\u00eb tregut nd\u00ebrbankar t\u00eb paras\u00eb, TRIBID dhe TRIBOR, do t\u00eb nd\u00ebrpritet af\u00ebrsisht nj\u00eb vit pas marrjes s\u00eb vendimit, n\u00eb 1 gusht 2024. Nd\u00ebrprerja e llogaritjes s\u00eb nj\u00ebrit prej treguesve, TRIBOR (interesi i ofruar p\u00ebr vendosjen e […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":580566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-645627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/645627","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=645627"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/645627\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/580566"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=645627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=645627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=645627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}