![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2025\/02\/banka.jpg\")
<\/p>\n<\/p>\n
Numri i llogarive n\u00eb sektorin bankar u rrit p\u00ebr t\u00eb kat\u00ebrtin vit radhazi n\u00eb 2024.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se numri total i llogarive bankare n\u00eb fund t\u00eb vitit t\u00eb kaluar arriti n\u00eb m\u00eb shum\u00eb se 3.45 milion\u00eb, me nj\u00eb rritje prej 6.7% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Gjat\u00eb vitit t\u00eb kaluar, numri i llogarive n\u00eb sektorin bankar \u00ebsht\u00eb zgjeruar me m\u00eb shum\u00eb se 218 mij\u00eb t\u00eb tilla.<\/span><\/p>\n Numri i llogarive bankare n\u00eb Shqip\u00ebri arriti numrin m\u00eb t\u00eb lart\u00eb n\u00eb vitin 2016, me pothuajse 3.5 milion\u00eb. N\u00eb periudh\u00ebn 2016-2020, numri i tyre pati p\u00ebsuar r\u00ebnie t\u00eb vazhdueshme, sidomos p\u00ebr shkak t\u00eb uljes s\u00eb numrit t\u00eb bankave si rezultat i procesit t\u00eb konsolidimit t\u00eb sektorit. Megjithat\u00eb, pas vitit 2021 po sh\u00ebnohet nj\u00eb tendenc\u00eb e re n\u00eb rritje dhe tashm\u00eb numri i llogarive bankare \u00ebsht\u00eb shum\u00eb af\u00ebr nivelit m\u00eb t\u00eb lart\u00eb historik, t\u00eb vitit 2016.<\/span><\/p>\n Numri i llogarive bankare t\u00eb subjekteve rezidente n\u00eb Shqip\u00ebri vitin e kaluar u rrit si n\u00eb segmentin e individ\u00ebve, ashtu edhe n\u00eb at\u00eb t\u00eb bizneseve.<\/span><\/p>\n Llogarit\u00eb e individ\u00ebve rezident\u00eb arrit\u00ebn n\u00eb 3.09 milion\u00eb, me nj\u00eb rritje vjetore prej 5%. Numri i llogarive t\u00eb individ\u00ebve \u00ebsht\u00eb rritur n\u00eb m\u00ebnyr\u00eb t\u00eb q\u00ebndrueshme n\u00eb vitet e fundit, megjithat\u00eb ndodhet ende ngelet posht\u00eb nivelit maksimal prej 3.24 milion\u00eb, q\u00eb ishte regjistruar n\u00eb vitin 2016.<\/span><\/p>\n Vitin e kaluar, hyri n\u00eb fuqi ligji \u201cP\u00ebr llogarin\u00eb e pagesave me sh\u00ebrbime bazike\u201d. Vler\u00ebsohet se ligji i ri ka dh\u00ebn\u00eb nj\u00eb shtys\u00eb t\u00eb m\u00ebtejshme p\u00ebrdorimit t\u00eb llogarive bankare nga shqiptar\u00ebt.<\/span><\/p>\n Sipas ligjit, llogaria e pagesave me sh\u00ebrbime bazike do u ofrohet konsumator\u00ebve n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb nga t\u00eb gjitha bankat, pavar\u00ebsisht nivelit t\u00eb t\u00eb ardhurave, statusit t\u00eb pun\u00ebsimit dhe historikut t\u00eb aft\u00ebsis\u00eb paguese. P\u00ebr mbajt\u00ebsit e k\u00ebsaj llogarie, bankat duhet t\u00eb ofrojn\u00eb disa sh\u00ebrbime bazike t\u00eb pagesave pa aplikuar tarifa ose kundrejt nj\u00eb tarife t\u00eb arsyeshme.<\/span><\/p>\n N\u00eb ve\u00e7anti, bankat duhet ofrojn\u00eb t\u00eb gjitha sh\u00ebrbimet bazike t\u00eb pagesave me tarif\u00eb zero, p\u00ebr kategorit\u00eb t\u00eb cil\u00ebt p\u00ebrfitojn\u00eb nga programet dhe politikat p\u00ebr skemat e ndihm\u00ebs ekonomike dhe sociale sipas legjislacionit p\u00ebrkat\u00ebs n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, vitin e kaluar, numri i llogarive t\u00eb bizneseve sh\u00ebnoi nj\u00eb rritje t\u00eb fort\u00eb, pas r\u00ebnies s\u00eb vitit 2023. N\u00eb fund t\u00eb vitit t\u00eb kaluar, bizneset kishin pothuajse 292 mij\u00eb llogari bankare, n\u00eb rritje me 25.6% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Edhe numri i llogarive t\u00eb jorezident\u00ebve u rrit me ritme t\u00eb larta vitin e kaluar, me 18.8% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Numri i p\u00ebrgjithsh\u00ebm i tyre arriti n\u00eb pothuajse 72 mij\u00eb dhe llogarit\u00eb jorezidente p\u00ebrb\u00ebjn\u00eb rreth 2.1% t\u00eb numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb llogarive n\u00eb bankat shqiptare. Llogarit\u00eb e jorezident\u00ebve dominohen kryesisht nga individ\u00ebt dhe rritja e vitit t\u00eb kaluar erdhi kryesisht n\u00eb k\u00ebt\u00eb segment.<\/span><\/p>\n N\u00eb analizat e fundit, Banka e Shqip\u00ebris\u00eb vler\u00ebson se numri i individ\u00ebve n\u00eb mosh\u00eb madhore q\u00eb zot\u00ebrojn\u00eb nj\u00eb llogari bankare ka arritur n\u00eb 70%, nga rreth 40% q\u00eb vler\u00ebsohej ky tregues n\u00eb vitin 2017.\/E.Shehu<\/span><\/p>\n