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Norma e rikuperimit t\u00eb kredive me probleme nga sektori bankar u p\u00ebrmir\u00ebsua n\u00eb tremujorin e dyt\u00eb t\u00eb k\u00ebtij.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se gjat\u00eb tremujorit t\u00eb dyt\u00eb norma e rikuperimit t\u00eb kredive me probleme u rrit n\u00eb 13%, nga 10% nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Norma e rekuperimit tregon vler\u00ebn e kredive q\u00eb jan\u00eb hequr nga kategoria e kredive me probleme dhe q\u00eb kan\u00eb kaluar n\u00eb klasat performuese gjat\u00eb nj\u00eb viti, n\u00eb raport me tepric\u00ebn e kredive me probleme n\u00eb fund t\u00eb periudh\u00ebs. Kjo ecuri tregon rritje t\u00eb aft\u00ebsis\u00eb s\u00eb bankave p\u00ebr t\u00eb rikuperuar kredit\u00eb me probleme.<\/span><\/p>\n Nga ana tjet\u00ebr, norma e d\u00ebshtimit q\u00eb tregon shpejt\u00ebsin\u00eb me t\u00eb cil\u00ebn akumulohen kredit\u00eb e humbura n\u00eb krahasim me totalin e kredis\u00eb, ka r\u00ebn\u00eb n\u00eb 1.1%, nga 1.4% q\u00eb ishte nj\u00eb gjasht\u00ebmujor dhe 1.2% q\u00eb ishte nj\u00eb vit m\u00eb par\u00eb, ndikuar nga zgjerimi i tepric\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb kredis\u00eb dhe tkurrja e huave t\u00eb humbura. Ky tregues shpreh fluksin e ri t\u00eb kredive t\u00eb humbura gjat\u00eb nj\u00eb viti ndaj tepric\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb kredis\u00eb n\u00eb fund t\u00eb periudh\u00ebs.<\/span><\/p>\n Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, r\u00ebnia e norm\u00ebs s\u00eb d\u00ebshtimit sinjalizon nj\u00eb rrezik m\u00eb t\u00eb ul\u00ebt t\u00eb aktivitetit kreditues, megjithat\u00eb zgjerimi i portofolit t\u00eb kredis\u00eb mund t\u00eb materializohet n\u00eb nj\u00eb shtim t\u00eb prurjeve t\u00eb kredive me probleme n\u00eb t\u00eb ardhmen.<\/span><\/p>\n Treguesit plot\u00ebsues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb n\u00eb p\u00ebrgjith\u00ebsi konfirmojn\u00eb nj\u00eb ecuri n\u00eb p\u00ebrmir\u00ebsim t\u00eb kredive me probleme, pavar\u00ebsisht se k\u00ebt\u00eb vit r\u00ebnia e raportit t\u00eb kredive me probleme \u00ebsht\u00eb ngadal\u00ebsuar.<\/span><\/p>\n N\u00eb muajin gusht, raporti i kredive me probleme preku nivelin m\u00eb t\u00eb ul\u00ebt n\u00eb 16 vitet e fundit. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, ky tregues zbriti n\u00eb 4.61%, nga 5.3% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Vlera e sh\u00ebnuar n\u00eb muajin gusht \u00ebsht\u00eb m\u00eb e ul\u00ebta q\u00eb prej tetorit t\u00eb vitit 2008.<\/span><\/p>\n N\u00eb p\u00ebrgjith\u00ebsi, gjat\u00eb k\u00ebtij viti raporti i kredive me probleme ka shfaqur nj\u00eb ecuri t\u00eb q\u00ebndrueshme, duke q\u00ebndruar n\u00eb nivele t\u00eb p\u00ebraf\u00ebrta me fundin e vitit t\u00eb kaluar.<\/span><\/p>\n Megjithat\u00eb, fakti q\u00eb raporti i kredive me probleme ka qen\u00eb pak a shum\u00eb i q\u00ebndruesh\u00ebm, pavar\u00ebsisht rritjes s\u00eb shpejt\u00eb t\u00eb portofolit t\u00eb kredis\u00eb, \u00ebsht\u00eb nj\u00eb tregues se sasia e kredive me probleme po rritet n\u00eb vler\u00eb absolute.<\/span><\/p>\n Portofoli i kredis\u00eb p\u00ebr ekonomin\u00eb po rritet me ritmin m\u00eb t\u00eb shpejt\u00eb q\u00eb prej vitit 2008. N\u00eb segmente t\u00eb ve\u00e7anta, si\u00e7 \u00ebsht\u00eb kredia p\u00ebr pasuri t\u00eb paluajtshme p\u00ebr bizneset, rritja ka arritur nivele shum\u00eb t\u00eb larta, me 55% me baz\u00eb vjetore.<\/span><\/p>\n P\u00ebrshpejtimi i rritjes s\u00eb kredis\u00eb dhe zgjerimi i ekspozimit n\u00eb tregun e pasurive t\u00eb paluajtshme ka ngjallur shqet\u00ebsimin e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. N\u00eb mesin e k\u00ebtij viti, Banka Qendrore vendosi t\u00eb aplikoj\u00eb p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb shtes\u00eb kund\u00ebrciklike n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit t\u00eb sektorit bankar, me 0.25 pik\u00eb p\u00ebrqindje.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, n\u00eb fillim t\u00eb k\u00ebtij muaji, Banka e Shqip\u00ebris\u00eb paralajm\u00ebroi se, n\u00ebse kreditimi do t\u00eb vazhdoj\u00eb t\u00eb zgjerohet me ritmet e muajve t\u00eb fundit, rritja e m\u00ebtejshme e k\u00ebsaj norme n\u00eb fund t\u00eb vitit 2024 ka nj\u00eb probabilitet t\u00eb lart\u00eb.<\/span><\/p>\n Aplikimi i nj\u00eb shtese kund\u00ebrciklike t\u00eb kapitalit \u00ebsht\u00eb i parashikuar n\u00eb rregulloren e vitit 2018 \u201cP\u00ebr shtesat makroprudenciale t\u00eb kapitalit. Nj\u00eb shtes\u00eb e till\u00eb ka si q\u00ebllim ngadal\u00ebsimin e kreditimit, n\u00eb rast se banka qendrore vler\u00ebson se ai po rritet me ritme tep\u00ebr t\u00eb shpejta.\/E.Shehu<\/span><\/p>\n