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Ekspozimi i sektorit bankar n\u00eb kredi p\u00ebr pasuri t\u00eb paluajtshme arriti n\u00eb 398 miliard\u00eb lek\u00eb, ose m\u00eb shum\u00eb se kat\u00ebr miliard\u00eb euro n\u00eb fund t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vlera totale e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme u rrit me m\u00eb shum\u00eb se 16 % gjat\u00eb vitit 2024. Kjo shif\u00ebr p\u00ebrfshin t\u00eb dyja segmentet e klient\u00ebve, biznese dhe individ\u00eb.<\/span><\/p>\n Pjesa m\u00eb e madhe e portofolit i takon individ\u00ebve, me af\u00ebrsisht 52% t\u00eb ekspozimit total n\u00eb hua p\u00ebr pasuri t\u00eb paluajtshme, nd\u00ebrsa diferenca prej 48% \u00ebsht\u00eb kredi e dh\u00ebn\u00eb p\u00ebr bizneset.<\/span><\/p>\n Aktualisht, kredia p\u00ebr pasuri t\u00eb paluajtshme p\u00ebrb\u00ebn gjysm\u00ebn e portofolit total t\u00eb kredis\u00eb s\u00eb dh\u00ebn\u00eb p\u00ebr sektorin privat t\u00eb ekonomis\u00eb.<\/span><\/p>\n N\u00eb vitet e fundit, sektori bankar ka rritur ndjesh\u00ebm portofolin e kredis\u00eb p\u00ebr prona, si p\u00ebr bizneset, ashtu edhe p\u00ebr individ\u00ebt. Krahasuar me periudh\u00ebn p\u00ebrpara pandemis\u00eb, portofoli i kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme \u00ebsht\u00eb rritur me 93%.<\/span><\/p>\n Vler\u00ebsohet se kreditimi ka qen\u00eb faktor shum\u00eb i r\u00ebnd\u00ebsish\u00ebm n\u00eb mb\u00ebshtetjen e k\u00ebrkes\u00ebs n\u00eb tregun e pasurive t\u00eb paluajtshme. Por, nga ana tjet\u00ebr, kjo ka rritur edhe ekspozimin e sektorit bankar kundrejt ecuris\u00eb s\u00eb tregut t\u00eb pasurive t\u00eb paluajtshme.<\/span><\/p>\n N\u00eb shumic\u00ebn d\u00ebrrmuese t\u00eb rasteve, kredit\u00eb p\u00ebr pasuri t\u00eb paluajtshme jan\u00eb t\u00eb siguruara me prona t\u00eb l\u00ebna si kolateral n\u00eb favor t\u00eb bankave (n\u00eb rastin m\u00eb t\u00eb zakonsh\u00ebm, vet\u00eb prona e bler\u00eb me kredi). Nj\u00eb kriz\u00eb e mundshme n\u00eb tregun e pasurive t\u00eb paluajtshme do t\u00eb ulte vler\u00ebn e kolateralit dhe do t\u00eb ekspozonte bankat ndaj rreziqeve p\u00ebr humbje nga kredit\u00eb.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave m\u00eb t\u00eb fundit, t\u00eb mesit t\u00eb vitit 2024, kredit\u00eb me kolateral n\u00eb form\u00ebn e pasurive t\u00eb paluajtshme zinin 45% t\u00eb tepric\u00ebs s\u00eb kredis\u00eb ose rreth 61% t\u00eb kredis\u00eb s\u00eb kolateralizuar.<\/span><\/p>\n Pik\u00ebrisht p\u00ebr shkak t\u00eb rritjes s\u00eb shpejt\u00eb t\u00eb kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme, Banka e Shqip\u00ebris\u00eb apiloi p\u00ebr her\u00eb t\u00eb par\u00eb vitin e kaluar nj\u00eb shtes\u00eb t\u00eb posa\u00e7me n\u00eb k\u00ebrkesat p\u00ebr kapital ndaj sektorit bankar. Shtesa kund\u00ebrciklike e kapitalit u vendos p\u00ebr her\u00eb t\u00eb par\u00eb n\u00eb qershor, n\u00eb nivelin 0.25% (p\u00ebr t\u2019u zbatuar nga 30 qershor 2025) dhe u rrit n\u00eb dhjetor n\u00eb nivelin 0.5% (p\u00ebr t\u2019u zbatuar nga 31 dhjetori 2025).<\/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\u201d. Nj\u00eb shtes\u00eb e till\u00eb ka si q\u00ebllim ngadal\u00ebsimin e kreditimit, n\u00eb rast se banka qendrore vler\u00ebson se po ndodh nj\u00eb rritje me ritme tep\u00ebr t\u00eb shpejta.<\/span><\/p>\n N\u00eb analiz\u00ebn e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, prej disa tremujor\u00ebsh, ekonomia shqiptare po p\u00ebrjeton nj\u00eb cik\u00ebl financiar pozitiv t\u00eb mb\u00ebshtetur mbi rritjen e p\u00ebrshpejtuar t\u00eb kredis\u00eb bankare dhe periudha t\u00eb tilla shoq\u00ebrohen me nivele t\u00eb mira t\u00eb performanc\u00ebs financiare p\u00ebr agjentet e ekonomis\u00eb reale dhe p\u00ebr sistemin financiar.<\/span><\/p>\n Megjithat\u00eb, sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, k\u00ebto periudha shoq\u00ebrohen edhe me fillimin e rreziqeve t\u00eb caktuara, q\u00eb mund t\u00eb lidhen me r\u00ebnie t\u00eb standardeve t\u00eb kreditimit, rritjen e niveleve t\u00eb p\u00ebrqendrimit t\u00eb saj n\u00eb sektor\u00eb apo tregje t\u00eb caktuar, rritjen e niveleve t\u00eb borxhit p\u00ebr agjent\u00ebt e ekonomis\u00eb reale p\u00ebrtej niveleve t\u00eb sh\u00ebndetshme.<\/span><\/p>\n K\u00ebto situata, n\u00ebse lejohet t\u00eb zhvillohen mund ta b\u00ebjn\u00eb ekonomin\u00eb dhe sistemin financiar m\u00eb t\u00eb ndjesh\u00ebm ndaj goditjeve t\u00eb ndryshme, duke cenuar k\u00ebshtu stabilitetin financiar. P\u00ebr k\u00ebto arsye, n\u00eb k\u00ebto raste sugjerohet p\u00ebrdorimi i instrumenteve makroprudenciale q\u00eb veprojn\u00eb n\u00eb m\u00ebnyr\u00eb kund\u00ebrciklike dhe parandalojn\u00eb zhvillimin e pakontrolluar t\u00eb k\u00ebtyre rreziqeve.\/ E.Shehu<\/span><\/p>\n
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