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Sektori bankar rriti m\u00eb tej investimin n\u00eb Eurobondet e qeveris\u00eb shqiptare gjat\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se letrat me vler\u00eb n\u00eb valut\u00eb t\u00eb huaj t\u00eb qeveris\u00eb shqiptare n\u00eb bilancin e sektorit bankar n\u00eb fund t\u00eb vitit 2024 arrit\u00ebn vler\u00ebn e 92.5 miliard\u00eb lek\u00ebve ose af\u00ebrsisht 942 milion\u00eb euro (me kursin e dit\u00ebs s\u00eb fundit t\u00eb vitit t\u00eb kaluar). Krahasuar me nj\u00eb vit m\u00eb par\u00eb, vlera e k\u00ebtyre aseteve \u00ebsht\u00eb rritur me 11.5%.<\/span><\/p>\n Megjithat\u00eb, n\u00ebse e zhveshim rritjen nga efekti i kursit t\u00eb k\u00ebmbimit, ajo do t\u00eb rezultonte edhe m\u00eb e lart\u00eb. Kursi i k\u00ebmbimit euro-lek e mbylli vitin 2024 n\u00eb nivelin 98.15 lek\u00eb.<\/span><\/p>\n Ky \u00ebsht\u00eb kursi m\u00eb i ul\u00ebt historik i regjistruar n\u00eb fund t\u00eb vitit kalendarik dhe shum\u00eb af\u00ebr nivelit minimal historik t\u00eb t\u00eb gjitha koh\u00ebrave, t\u00eb regjistruar n\u00eb n\u00ebntor 2024. Krahasuar me fundin e vitit 2023, kursi i k\u00ebmbimit t\u00eb euros me lekun ka r\u00ebn\u00eb me 5.5%.<\/span><\/p>\n Pesha specifike e Eurobondeve t\u00eb qeveris\u00eb shqiptare n\u00eb bilancin e sektorit bankar ka sh\u00ebnuar nj\u00eb rritje t\u00eb leht\u00eb, n\u00eb 4.3% t\u00eb aktiveve nga 4.2% q\u00eb p\u00ebrb\u00ebnte nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, duke p\u00ebrfshir\u00eb edhe letrat e borxhit n\u00eb lek\u00eb, ekspozimi total i sektorit bankar ndaj qeveris\u00eb shqiptare p\u00ebrb\u00ebnte 27.1% t\u00eb vler\u00ebs totale t\u00eb aktiveve, n\u00eb rritje t\u00eb m\u00ebtejshme nga niveli prej 26.4% i nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Instrumentet e borxhit n\u00eb valut\u00eb t\u00eb qeveris\u00eb shqiptare kan\u00eb t\u00ebrhequr nj\u00eb interes n\u00eb rritje t\u00eb sektorit bankar shqiptar n\u00eb vitet e fundit. Investimi n\u00eb k\u00ebto instrumente ka ofruar kthime t\u00eb k\u00ebnaqshme, p\u00ebrgjat\u00eb nj\u00eb periudh\u00eb kur normat e interesit p\u00ebr monedh\u00ebn euro kan\u00eb qen\u00eb shum\u00eb t\u00eb ul\u00ebta.<\/span><\/p>\n Investimi n\u00eb Eurobonde n\u00eb disa prej emetimeve t\u00eb tyre \u00ebsht\u00eb favorizuar edhe nga kushtet leht\u00ebsuese t\u00eb p\u00ebrkohshme t\u00eb mund\u00ebsuara nga Banka e Shqip\u00ebris\u00eb, q\u00eb ka lejuar bankat q\u00eb k\u00ebto investime t\u00eb ponderohen me nj\u00eb koeficent rreziku m\u00eb t\u00eb ul\u00ebt, krahasuar me nivelet standarde t\u00eb k\u00ebrkuara nga kuadri rregullator, p\u00ebr efekt t\u00eb llogaritjes s\u00eb treguesit t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, k\u00ebt\u00eb muaj qeveria shqiptare emetoi Eurobondin e shtat\u00eb, me vler\u00eb totale prej 650 milion\u00eb eurosh dhe afat maturimi 10-vje\u00e7ar. N\u00eb p\u00ebrgjith\u00ebsi, shuma e ofruar p\u00ebr bankat tregtare vendase n\u00eb emetimin primar nuk \u00ebsht\u00eb shum\u00eb e madhe dhe n\u00eb asnj\u00eb rast nuk e ka kaluar 10% t\u00eb gjith\u00eb vler\u00ebs s\u00eb emetimit. Megjithat\u00eb, n\u00eb nj\u00eb mas\u00eb t\u00eb madhe investimet e bankave n\u00eb Eurobonde kryhen n\u00ebp\u00ebrmjet blerjeve n\u00eb tregun dyt\u00ebsor.<\/span><\/p>\n Rritja e lart\u00eb e depozitave n\u00eb valut\u00eb gjat\u00eb viteve t\u00eb fundit ka krijuar sasi t\u00eb konsiderueshme likuiditetesh t\u00eb lira p\u00ebr bankat. N\u00eb fund t\u00eb vitit 2024, depozitat n\u00eb monedh\u00ebn europiane arrit\u00ebn shifr\u00ebn rekord t\u00eb 8.04 miliard\u00eb eurove, n\u00eb rritje me 10.2% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Nga ana tjet\u00ebr, kuadri rregullator i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tenton ta b\u00ebj\u00eb m\u00eb t\u00eb kushtuesh\u00ebm kreditimin n\u00eb valut\u00eb t\u00eb huaj p\u00ebr subjektet me t\u00eb ardhura n\u00eb lek\u00eb, \u00e7ka i kufizon hap\u00ebsirat e rritjes s\u00eb kredis\u00eb n\u00eb euro p\u00ebr sektorin privat shqiptar. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, Eurobondet n\u00eb vitet e fundit kan\u00eb sh\u00ebrbyer edhe si nj\u00eb instrument p\u00ebr thithjen e likuiditeteve t\u00eb lira n\u00eb valut\u00eb t\u00eb sektorit bankar.<\/span><\/p>\n Duke patur parasysh se i gjith\u00eb stoku i emetuar dhe i pashlyer i Eurobondeve shqiptare n\u00eb fund t\u00eb vitit 2024 ishte rreth 2.27 miliard\u00eb euro, mund t\u00eb llogaritet se sektori bankar zot\u00ebronte m\u00eb shum\u00eb se 41% t\u00eb gjith\u00eb portofolit t\u00eb tyre. \/E.Shehu<\/span><\/p>\n