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Kreditimi i ekonomis\u00eb vijoi rritjen me ritme t\u00eb shpejta edhe n\u00eb muajin prill.<\/span><\/p>\n Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia e re e dh\u00ebn\u00eb nga sektori bankar arriti vler\u00ebn e 34.2 miliard\u00eb lek\u00ebve, n\u00eb rritje me 50% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n P\u00ebr t\u00eb gjith\u00eb kat\u00ebrmujorin e par\u00eb t\u00eb vitit, vlera e kredis\u00eb s\u00eb re t\u00eb disbursuar arriti vler\u00ebn e 117 miliard\u00eb lek\u00ebve, n\u00eb rritje me 35% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n Kredia e re p\u00ebr ekonomin\u00eb \u00ebsht\u00eb n\u00eb nivelet m\u00eb t\u00eb larta historike p\u00ebr k\u00ebt\u00eb periudh\u00eb t\u00eb vitit.<\/span><\/p>\n Kontributin kryesor n\u00eb rritje vazhdon ta jap\u00eb kredia n\u00eb lek\u00eb, q\u00eb p\u00ebr kat\u00ebrmujorin e par\u00eb t\u00eb vitit pothuajse \u00ebsht\u00eb rritur me 64% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Pesha e kredis\u00eb s\u00eb re n\u00eb lek\u00eb ndaj totalit ka arritur n\u00eb 61%, nga 50% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Sipas segmenteve t\u00eb klient\u00ebve, ndikimin kryesor n\u00eb rritjen e shpejt\u00eb t\u00eb kreditimit n\u00eb muajt e par\u00eb t\u00eb k\u00ebtij viti po e jep biznesi. Shifrat tregojn\u00eb se p\u00ebr muajin prill kredia e re p\u00ebr bizneset u rrit me 78% krahasuar me prillin e vitit t\u00eb kaluar. P\u00ebr t\u00eb gjith\u00eb 4-mujorin 2024, kredia e re p\u00ebr bizneset arriti n\u00eb 82.9 miliard\u00eb lek\u00eb, n\u00eb rritje me 60% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit 2023.<\/span><\/p>\n Sektori bankar po shfaq nj\u00eb interes n\u00eb rritje p\u00ebr t\u00eb kredituar bizneset, ve\u00e7an\u00ebrisht projektet e korporatave t\u00eb r\u00ebnd\u00ebsishme, duke p\u00ebrfshir\u00eb k\u00ebtu edhe shumic\u00ebn e projekteve madhore t\u00eb partneritetit publik-privat t\u00eb investimit n\u00eb infrastruktur\u00eb.<\/span><\/p>\n P\u00ebr muajin prill, edhe kreditimi i individ\u00ebve iu kthye rritjes s\u00eb shpejt\u00eb, me 49% m\u00eb shum\u00eb krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n P\u00ebr kat\u00ebr muajt e par\u00eb t\u00eb vitit, sektori bankar disbursoi pothuajse 34 miliard\u00eb lek\u00eb kredi p\u00ebr individ\u00ebt, n\u00eb rritje me 21.7% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Rritja e shpejt\u00eb e kredis\u00eb k\u00ebt\u00eb vit duket se mb\u00ebshtetet n\u00eb perceptimet optimiste p\u00ebr ecurin\u00eb e ekonomis\u00eb, q\u00eb po ruan ritme t\u00eb k\u00ebnaqshme t\u00eb rritjes, e mb\u00ebshtetur sidomos nga sektor\u00ebt e pasurive t\u00eb paluajtshme dhe turizmit. Gjithashtu, gjendja e mir\u00eb e bilanceve t\u00eb sektorit bankar dhe nivelet n\u00eb r\u00ebnie t\u00eb kredive me probleme po e ndikojn\u00eb pozitivisht ofert\u00ebn. Nj\u00eb ndikim n\u00eb ritmet e kreditimit duket t\u00eb ket\u00eb edhe mbajtja e niveleve t\u00eb ul\u00ebta t\u00eb normave t\u00eb interesit nga Banka e Shqip\u00ebris\u00eb. Shqip\u00ebria ka nj\u00eb nga normat baz\u00eb m\u00eb t\u00eb ul\u00ebta n\u00eb Europ\u00eb, n\u00eb nivelin 3.25%.<\/span><\/p>\n Nga ana tjet\u00ebr, kredia e re sidoqoft\u00eb nuk p\u00ebrfaq\u00ebson n\u00eb t\u00eb gjitha rastet flukse t\u00eb reja, por p\u00ebrfshin edhe rinovimin e linjave ekzistuese t\u00eb kredis\u00eb s\u00eb biznesit apo zhvendosjen e kredive ekzistuese nga nj\u00ebra bank\u00eb te tjetra.<\/span><\/p>\n Megjithat\u00eb, rritja e kredis\u00eb \u00ebsht\u00eb e qart\u00eb edhe n\u00eb ecurin\u00eb e portofolit total ose tepric\u00ebs s\u00eb saj. N\u00eb fund t\u00eb muajit prill, portofoli i kredis\u00eb p\u00ebr ekonomin\u00eb arriti vler\u00ebn e 771 miliard\u00eb lek\u00ebve, me nj\u00eb rritje prej 7.5 miliard\u00eb lek\u00ebsh krahasuar me shkurtin. Me baz\u00eb vjetore, rritja e kredis\u00eb ka k\u00ebrcyer n\u00eb nivelin 8.5% krahasuar t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb, nd\u00ebrsa n\u00eb fund t\u00eb marsit rritja vjetore ishte 7.3%.<\/span><\/p>\n N\u00eb segmentin e individ\u00ebve, portofoli i kredis\u00eb \u00ebsht\u00eb n\u00eb rritje me 10.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. Nd\u00ebrkoh\u00eb, p\u00ebr bizneset rritja ngelet n\u00eb nivele m\u00eb t\u00eb ul\u00ebta, me 7.1% me baz\u00eb vjetore. Duhet th\u00ebn\u00eb sidoqoft\u00eb se pjes\u00ebrisht kjo i detyrohet pesh\u00ebs m\u00eb t\u00eb lart\u00eb t\u00eb kredis\u00eb n\u00eb valut\u00eb n\u00eb portofolin e biznesit.<\/span><\/p>\n
![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2024\/05\/kred-graf.jpg\")
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