{"id":733340,"date":"2025-04-02T10:46:38","date_gmt":"2025-04-02T08:46:38","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=733340"},"modified":"2025-04-02T10:46:38","modified_gmt":"2025-04-02T08:46:38","slug":"950-mije-kursimtare-kane-zero-leke-ne-banka-4-5-e-depozituesve-kane-58-te-kursimeve-totale","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/04\/02\/950-mije-kursimtare-kane-zero-leke-ne-banka-4-5-e-depozituesve-kane-58-te-kursimeve-totale\/","title":{"rendered":"950 mij\u00eb \u201ckursimtar\u00eb\u201d kan\u00eb zero lek\u00eb n\u00eb banka, 4.5% e depozituesve kan\u00eb 58% t\u00eb kursimeve totale","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/span><\/p>\n

Jan\u00eb rreth 2.8 milion\u00eb llogari t\u00eb hapura n\u00eb bankat e nivelit t\u00eb dyt\u00eb, por rreth nj\u00eb e treta e tyre jan\u00eb bosh, nd\u00ebrsa 61% konsiderohen si depozitues t\u00eb vegj\u00ebl dhe kan\u00eb kursime deri n\u00eb 2.5 milion\u00eb lek\u00eb. N\u00eb kontrast, nj\u00eb p\u00ebrqindje shum\u00eb e vog\u00ebl e depozituesve (4.5%) zot\u00ebrojn\u00eb m\u00eb shum\u00eb se gjysm\u00ebn e kursimeve n\u00eb banka.<\/span><\/p>\n

N\u00eb fund t\u00eb vitit 2024, individ\u00ebt n\u00eb vend kishin t\u00eb hapura gjithsej 2.79 milion\u00eb llogari bankare, sipas t\u00eb dh\u00ebnave nga Agjencia e Sigurimit t\u00eb Depozitave (ASD), t\u00eb cilat jan\u00eb t\u00eb sigurueshme. N\u00eb k\u00ebto llogari bankare kishte gjithsej 1.27 trilion\u00eb lek\u00eb.<\/span><\/p>\n

34.1% e k\u00ebtyre llogarive jan\u00eb bosh. Sipas t\u00eb dh\u00ebnave nga ASD jan\u00eb gati 950 mij\u00eb depozitues, t\u00eb cil\u00ebt jan\u00eb nj\u00eb balanc\u00eb nga zero deri n\u00eb 100 lek\u00eb. N\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, numri i llogarive me zero lek\u00eb \u00ebsht\u00eb rritur me 5.7%.<\/span><\/p>\n

Rreth 1.7 milion\u00eb depozitues t\u00eb tjer\u00eb, ose 61.4% e totalit kishin n\u00eb banka kursime q\u00eb variojn\u00eb nga 100 lek\u00eb n\u00eb 2.5 milion\u00eb lek\u00eb, q\u00eb \u00ebsht\u00eb niveli i mbulimit t\u00eb depozitave nga sigurimi. K\u00ebto quhen nga ASD depozitues t\u00eb vegj\u00ebl. Numri i depozituesve t\u00eb vegj\u00ebl u rrit me 4% n\u00eb krahasim me vitin e m\u00ebparsh\u00ebm. Sipas ligjit, Depozituesi n\u00eb \u00e7do bank\u00eb sigurohet n\u00eb mas\u00ebn 100%, por n\u00eb \u00e7do rast jo m\u00eb shum\u00eb se 2.5 milion\u00eb lek\u00eb. Shuma e depozitave q\u00eb u korrespondon k\u00ebtyre depozituesve arriti vler\u00ebn 536 mld lek\u00eb, ose 42% e totalit t\u00eb depozitave t\u00eb sigurueshme.<\/span><\/p>\n

N\u00eb kontrast, nj\u00eb pakic\u00eb e depozituesve zot\u00ebrojn\u00eb pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb kursimeve n\u00eb banka. Sipas ASD-s\u00eb jan\u00eb 125,875 depozitues individ\u00eb, kursimet e t\u00eb cil\u00ebve jan\u00eb m\u00eb t\u00eb m\u00ebdha sesa 2.5 milion\u00eb lek\u00eb, me nj\u00eb rritje prej 5.2% n\u00eb raport me 2023-n. K\u00ebta p\u00ebrb\u00ebjn\u00eb vet\u00ebm 4.5% t\u00eb numrit total t\u00eb depozituesve, por nd\u00ebrkoh\u00eb zot\u00ebrojn\u00eb 58% t\u00eb shum\u00ebs s\u00eb depozituar n\u00eb banka. N\u00eb total shuma e depozitave t\u00eb tyre arriti vler\u00ebn 739.5 mld lek\u00eb.<\/span><\/p>\n

ASD sqaron se numri total i depozituesve \u00ebsht\u00eb p\u00ebrcaktuar duke mbledhur t\u00eb dh\u00ebnat e agreguara t\u00eb raportuara nga \u00e7do bank\u00eb, k\u00ebshtu q\u00eb nj\u00eb person i cili ka depozita n\u00eb disa banka \u00ebsht\u00eb regjistruar disa her\u00eb.<\/span><\/p>\n

Depozitat e sigurueshme<\/strong><\/span><\/p>\n

Sipas ASD-s\u00eb, depozitat e sigurueshme t\u00eb individ\u00ebve n\u00eb sistemin bankar m\u00eb 31 dhjetor 2024 arrit\u00ebn 1,275.4 mld lek\u00eb, dhe p\u00ebrb\u00ebjn\u00eb pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb totalit t\u00eb depozitave t\u00eb sigurueshme, konkretisht 80.2 % t\u00eb tyre (norma endryshimit vjetor ishte +5.6%). Pesh\u00ebn m\u00eb t\u00eb madhe t\u00eb depozitave t\u00eb sigurueshme t\u00eb individ\u00ebve e z\u00ebn\u00eb depozitat n\u00eb lek\u00eb me 48.6%, ndjekur nga depozitat n\u00eb euro me 45.8%.<\/span><\/p>\n

Gjat\u00eb vitit 2024 ecuria e depozitave t\u00eb individ\u00ebve n\u00eb lek\u00eb ka qen\u00eb pozitive pothuajse gjat\u00eb gjith\u00eb periudh\u00ebs, dhe me nj\u00eb r\u00ebnie t\u00eb leht\u00eb n\u00eb muajt janar e gusht. Normat e ndryshimit mujor kan\u00eb qen\u00eb relativisht t\u00eb ul\u00ebta, dhe rritja m\u00eb e madhe u sh\u00ebnua n\u00eb muajin shkurt me 0.9%.<\/span><\/p>\n

Ndikimin m\u00eb t\u00eb madh n\u00eb rritjen vjetore prej 5.6% t\u00eb depozitave t\u00eb sigurueshme t\u00eb individ\u00ebve, e kan\u00eb dh\u00ebn\u00eb depozitat n\u00eb lek\u00eb, t\u00eb cilat sh\u00ebnuan nj\u00eb rritje vjetore prej 7.3%. N\u00eb dhjetor 2024, depozitat n\u00eb monedh\u00eb t\u00eb huaj t\u00eb shprehura n\u00eb kund\u00ebrvler\u00ebn n\u00eb lek\u00eb kan\u00eb pesh\u00ebn 51.4%, dhe rritja vjetore e tyre ishte 3.9%.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb periudh\u00eb depozitat n\u00eb euro t\u00eb shprehura n\u00eb kund\u00ebrvler\u00ebn n\u00eb lek\u00eb arrit\u00ebn shum\u00ebn prej 584.6 mld lek\u00eb, duke sh\u00ebnuar nj\u00eb rritje vjetore n\u00eb vler\u00eb prej 23 mld lek\u00eb (n\u00eb p\u00ebrqindje +4.1%), kurse n\u00eb monedh\u00ebn origjinale u rrit\u00ebn me 10.2%. K\u00ebto depozita z\u00ebn\u00eb pesh\u00ebn m\u00eb t\u00eb madhe t\u00eb depozitave t\u00eb individ\u00ebve n\u00eb monedh\u00eb t\u00eb huaj.<\/span><\/p>\n

Gjat\u00eb vitit 2024 ecuria e depozitave t\u00eb individ\u00ebve n\u00eb euro ka qen\u00eb pozitive gjat\u00eb gjith\u00eb periudh\u00ebs, kurse t\u00eb shprehura n\u00eb kund\u00ebrvler\u00ebn n\u00eb lek\u00eb ecuria ka qen\u00eb n\u00eb t\u00eb dyja kahet pozitive dhe negative, si rezultat i ecuris\u00eb s\u00eb kursit t\u00eb k\u00ebmbimit t\u00eb lekut kundrejt euros. Rritja m\u00eb e madhe mujore u sh\u00ebnua n\u00eb muajin gusht me 2.2%, kurse t\u00eb shprehura n\u00eb kund\u00ebrvler\u00ebn n\u00eb lek\u00eb u rrit\u00ebn me 1.6%.<\/span><\/p>\n

Depozitat e individ\u00ebve n\u00eb USD n\u00eb monedh\u00ebn origjinale, krahasuar me fundin e vitit 2023, u rrit\u00ebn me 4.6 %, kurse t\u00eb shprehura n\u00eb kund\u00ebrvler\u00ebn n\u00eb lek\u00eb (pesha e tyre 3.7%) kan\u00eb sh\u00ebnuar rritje vjetore me 4.9%.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Jan\u00eb rreth 2.8 milion\u00eb llogari t\u00eb hapura n\u00eb bankat e nivelit t\u00eb dyt\u00eb, por rreth nj\u00eb e treta e tyre jan\u00eb bosh, nd\u00ebrsa 61% konsiderohen si depozitues t\u00eb vegj\u00ebl dhe kan\u00eb kursime deri n\u00eb 2.5 milion\u00eb lek\u00eb. N\u00eb kontrast, nj\u00eb p\u00ebrqindje shum\u00eb e vog\u00ebl e depozituesve (4.5%) zot\u00ebrojn\u00eb m\u00eb shum\u00eb se gjysm\u00ebn e kursimeve n\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":733341,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-733340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/733340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=733340"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/733340\/revisions"}],"predecessor-version":[{"id":733342,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/733340\/revisions\/733342"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/733341"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=733340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=733340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=733340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}