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Rentabiliteti i investimit t\u00eb aktiveve nga sektori bankar \u00ebsht\u00eb n\u00eb p\u00ebrmir\u00ebsim gjat\u00eb k\u00ebtij viti.<\/p>\n
T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb treguan se n\u00eb fund t\u00eb muajit prill kthimi mesatar nga aktivet i sektorit bankar, llogaritur p\u00ebrpara tatimit, u rrit n\u00eb 2.15%, nga 1.69% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Gjithashtu, kthimi nga aktivet \u00ebsht\u00eb n\u00eb p\u00ebrmir\u00ebsim n\u00eb raport me nivelin final t\u00eb raportuar n\u00eb fund t\u00eb vitit 2023, prej 1.99%.<\/span><\/p>\n Kthimi nga aktivet llogaritet si fitimi i sektorit bankar (i mesatarizuar me baz\u00eb vjetore) n\u00eb raport me totalin e aktiveve t\u00eb sektorit. Ai tregon vler\u00ebn q\u00eb fiton sistemi bankar p\u00ebr \u00e7do 100 lek\u00eb t\u00eb dh\u00ebn\u00eb kredi apo t\u00eb investuar n\u00eb instrumente t\u00eb tjera financiare, kryesisht letra me vler\u00eb t\u00eb borxhit.<\/span><\/p>\n Ky p\u00ebrmir\u00ebsim \u00ebsht\u00eb i lidhur direkt me rritjen e normave t\u00eb interesit, ve\u00e7an\u00ebrisht n\u00eb valut\u00eb t\u00eb huaj dhe me rritjen e fitimit t\u00eb sektorit, t\u00eb shprehur n\u00eb vler\u00eb absolute.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr kat\u00ebr muajt e par\u00eb t\u00eb vitit fitimi neto i sektorit bankar arriti vler\u00ebn e 12.5 miliard\u00eb lek\u00ebve, n\u00eb rritje me 39% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Kthimi nga aktivet \u00ebsht\u00eb nj\u00eb tregues q\u00eb jep iden\u00eb e eficienc\u00ebs s\u00eb investimeve t\u00eb sektorit bankar. N\u00eb thelb, aktivet e bank\u00ebs konsistojn\u00eb n\u00eb forma t\u00eb ndryshme t\u00eb huadh\u00ebnies p\u00ebrmes procesit t\u00eb nd\u00ebrmjet\u00ebsimit financiar. K\u00ebto forma mund t\u00eb jen\u00eb kredi p\u00ebr individ\u00ebt dhe bizneset, hua p\u00ebr qeverin\u00eb, p\u00ebrmes blerjes s\u00eb bonove dhe obligacioneve, apo p\u00ebr institucione t\u00eb tjera financiare, n\u00eb form\u00ebn e vendosjeve dhe mbajtjes s\u00eb llogarive.<\/span><\/p>\n Rritja e formave t\u00eb interesit, ve\u00e7an\u00ebrisht n\u00eb euro, ka sjell\u00eb nj\u00eb rritje t\u00eb ndjeshme t\u00eb t\u00eb ardhurave nga interesat p\u00ebr sektorin bankar. Kjo rritje e normave gjithashtu ka diktuar ndryshime n\u00eb politik\u00ebn e investimeve. Sektori bankar ka ulur ndjesh\u00ebm aktivet e mbajtura si depozita apo vendosje n\u00eb llogarit\u00eb e bankave t\u00eb huaja dhe ka rritur investimet n\u00eb letra me vler\u00eb t\u00eb borxhit.<\/span><\/p>\n Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, investimet e sektorit bankar n\u00eb letra me vler\u00eb t\u00eb emetuar nga subjekte jorezidente n\u00eb fund t\u00eb muajit prill ishte n\u00eb rritje vjetore me 34%. E zhveshur nga efekti i kursit t\u00eb k\u00ebmbimit, kjo rritje do t\u00eb ishte rreth 43%.<\/span><\/p>\n Huat\u00eb p\u00ebr klient\u00ebt dhe investimet n\u00eb letra me vler\u00eb p\u00ebrb\u00ebjn\u00eb s\u00eb bashku rreth 80% t\u00eb totalit t\u00eb aktiveve t\u00eb sektorit bankar. N\u00eb fund t\u00eb muajit prill, portofoli bruto i kredis\u00eb ishte z\u00ebri kryesor i aktiveve, p\u00ebr nj\u00eb vler\u00eb bruto prej 804 miliard\u00eb lek\u00ebsh ose sa 40.1% e totalit.<\/span><\/p>\n Portofoli i kredis\u00eb \u00ebsht\u00eb rritur me 7.5% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Portofoli i kredis\u00eb paraqitet n\u00eb rritje t\u00eb shpejt\u00eb q\u00eb prej muajit dhjetor t\u00eb vitit t\u00eb kaluar, i mb\u00ebshtetur sidomos tek rim\u00ebk\u00ebmbja e ndjeshme e huas\u00eb p\u00ebr bizneset dhe vijim\u00ebsia me ritme t\u00eb q\u00ebndrueshme e kreditimit t\u00eb individ\u00ebve.<\/span><\/p>\n