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Pesha e kredis\u00eb afatgjat\u00eb n\u00eb portofolin e sektorit bankar k\u00ebt\u00eb vit ka arritur pran\u00eb niveleve m\u00eb t\u00eb larta historike.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb muajit korrik t\u00eb k\u00ebtij viti, pesha e kredis\u00eb afatgjat\u00eb (me maturim mbi pes\u00eb vjet), kundrejt totalit arriti n\u00eb 61.1%, nga 59.7% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, n\u00eb muajin janar 2024, kredia afatgjat\u00eb arriti nj\u00eb pesh\u00eb edhe m\u00eb t\u00eb lart\u00eb, duke sh\u00ebnuar nj\u00eb rekord prej 61.6%.<\/span><\/p>\n Gjat\u00eb viteve t\u00eb fundit ka nj\u00eb tendenc\u00eb t\u00eb qart\u00eb t\u00eb rritjes s\u00eb pesh\u00ebs s\u00eb k\u00ebsaj kredie n\u00eb struktur\u00ebn e kredis\u00eb bankare. Kjo rritje \u00ebsht\u00eb e lidhur shum\u00eb me orientimin m\u00eb t\u00eb madh t\u00eb sektorit bankar drejt kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme dhe n\u00eb p\u00ebrgjith\u00ebsi drejt financimeve q\u00eb mb\u00ebshtesin kryerjen e investimeve.<\/span><\/p>\n N\u00eb vler\u00eb, portofoli i kredive afatgjata preku shum\u00ebn e 479 miliard\u00eb lek\u00ebve n\u00eb fund t\u00eb korrikut, me nj\u00eb rritje prej 16% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit paraardh\u00ebs.<\/span><\/p>\n Kredit\u00eb m\u00eb tipike afatgjata jan\u00eb ato q\u00eb shkojn\u00eb p\u00ebr financimin e blerjes apo nd\u00ebrtimit t\u00eb pasurive t\u00eb paluajtshme, qoft\u00eb nga nd\u00ebrmarrjet apo nga individ\u00ebt. Kredia p\u00ebr k\u00ebto q\u00ebllime n\u00eb vitet e fundit \u00ebsht\u00eb rritur me ritme t\u00eb larta, e nxitur nga cikli i ri i lul\u00ebzimit t\u00eb tregut t\u00eb pasurive t\u00eb paluajtshme, por edhe nga nj\u00eb ofert\u00eb e lart\u00eb e bankave n\u00eb k\u00ebt\u00eb segment.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se kredia p\u00ebr blerje banesash nga individ\u00ebt ka arritur vler\u00ebn totale t\u00eb 198 miliard\u00eb lek\u00ebve ose gati dy miliard\u00eb eurove, me nj\u00eb rritje vjetore prej 16%. Ky produkt tashm\u00eb ka pesh\u00ebn kryesore n\u00eb portofolin total t\u00eb kredis\u00eb bankare dhe p\u00ebrb\u00ebn m\u00eb shum\u00eb se 26% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb.<\/span><\/p>\n Me ritme shum\u00eb m\u00eb t\u00eb shpejta po rritet kredia p\u00ebr pasuri t\u00eb paluajtshme dh\u00ebn\u00eb bizneseve, q\u00eb ka arritur n\u00eb 173 miliard\u00eb lek\u00eb, n\u00eb rritje me 60% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Zgjerimi n\u00eb tregun e kredive hipotekare, sidomos tek individ\u00ebt, \u00ebsht\u00eb nj\u00eb mekaniz\u00ebm q\u00eb mund\u00ebson nj\u00eb shp\u00ebrndarje t\u00eb mir\u00eb t\u00eb riskut kreditor, por q\u00eb mund\u00ebson edhe nj\u00eb rritje afatgjat\u00eb t\u00eb biznesit. Kredit\u00eb hipotekare dhe ato afatgjata n\u00eb p\u00ebrgjith\u00ebsi kan\u00eb nj\u00eb amortizim m\u00eb t\u00eb ngadalt\u00eb n\u00eb koh\u00eb dhe ofrojn\u00eb nj\u00eb q\u00ebndrueshm\u00ebri m\u00eb t\u00eb madhe t\u00eb rritjes s\u00eb kredis\u00eb.<\/span><\/p>\n Megjithat\u00eb, rritja e shpejt\u00eb e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme, sidomos n\u00eb dy vitet e fundit, ka shkaktuar shqet\u00ebsimin e Fondit Monetar Nd\u00ebrkomb\u00ebtar (FMN), q\u00eb qysh n\u00eb janar t\u00eb k\u00ebtij viti paralajm\u00ebroi Bank\u00ebn e Shqip\u00ebris\u00eb p\u00ebr rreziqet e rritjes s\u00eb shpejt\u00eb t\u00eb kredis\u00eb, sidomos n\u00eb segmentin e pasurive t\u00eb paluajtshme.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb reagoi n\u00eb fund t\u00eb muajit qershor, duke rritur m\u00eb tej k\u00ebrkesat p\u00ebr nivelin e majftueshm\u00ebris\u00eb s\u00eb kapitalit, n\u00ebp\u00ebrmjet aplikimit p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb norme kund\u00ebrciklike, q\u00eb ka si q\u00ebllim direkt frenimin e rritjes s\u00eb shpejt\u00eb t\u00eb kreditimit. \/E.Shehu<\/span><\/p>\n