{"id":738328,"date":"2025-04-29T07:27:43","date_gmt":"2025-04-29T05:27:43","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=738328"},"modified":"2025-04-29T07:27:43","modified_gmt":"2025-04-29T05:27:43","slug":"bankat-fshine-24-mln-euro-kredi-te-humbura-vitin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/04\/29\/bankat-fshine-24-mln-euro-kredi-te-humbura-vitin-e-kaluar\/","title":{"rendered":"Bankat fshin\u00eb 24 mln euro kredi t\u00eb humbura vitin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Vlera e kredive t\u00eb fshira nga sektori bankar u rrit vitin e kaluar.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb gjat\u00eb vitit 2024 bankat nxor\u00ebn jasht\u00eb bilanceve rreth 2.4 miliard\u00eb lek\u00eb kredi t\u00eb humbura (rreth 24 mln euro), 20% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. \u00a061% e vler\u00ebs s\u00eb kredive t\u00eb fshira u takonte bizneseve.<\/span><\/p>\n

Fshirja e kredive t\u00eb humbura t\u00eb sektorit bankar nisi t\u00eb marr\u00eb p\u00ebrmasa t\u00eb m\u00ebdha n\u00eb vitin 2015, kur Banka e Shqip\u00ebris\u00eb vendosi detyrimin rregullator p\u00ebr t\u00eb nxjerr\u00eb jasht\u00eb bilanceve kredit\u00eb e klasifikuara si t\u00eb humbura prej m\u00eb shum\u00eb se tre vjet\u00ebsh.<\/span><\/p>\n

Fshirjet dhan\u00eb nj\u00eb ndikim shum\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb uljen e raportit t\u00eb kredive me probleme t\u00eb sektorit bankar, q\u00eb n\u00eb at\u00eb periudh\u00eb kishte arritur n\u00eb kufijt\u00eb e 25%.<\/span><\/p>\n

Nxjerrja e nj\u00eb kredie t\u00eb humbur jasht\u00eb bilancit \u00ebsht\u00eb nj\u00eb veprim kontab\u00ebl, q\u00eb nuk n\u00ebnkupton heqjen dor\u00eb nga procesi ligjor i mbledhjes dhe rekuperimit t\u00eb saj.<\/span><\/p>\n

Fshirja b\u00ebhet me q\u00ebllim uljen e raportit t\u00eb kredive me probleme t\u00eb bankave, por, megjithat\u00eb, ajo nuk ka ndonj\u00eb impakt n\u00eb performanc\u00ebn e tyre financiare, sepse kredit\u00eb e klasifikuara si t\u00eb humbura jan\u00eb t\u00eb provigjionuara n\u00eb mas\u00ebn 100%.<\/span><\/p>\n

N\u00eb p\u00ebrpjekje p\u00ebr t\u00eb nxitur pastrimin e m\u00ebtejsh\u00ebm t\u00eb portofoleve, Banka e Shqip\u00ebris\u00eb n\u00eb vitin 2020 vendosi shkurtimin e afatit p\u00ebr nxjerrjen jasht\u00eb bilancit t\u00eb kredive t\u00eb humbura n\u00eb dy vjet, nga tre vjet q\u00eb kishte qen\u00eb m\u00eb par\u00eb.<\/span><\/p>\n

Q\u00eb nga janari 2015, kur nis\u00ebn t\u00eb zbatoheshin k\u00ebrkesat rregullatore p\u00ebr nxjerrjen e kredive t\u00eb humbura jasht\u00eb bilanceve, bankat kan\u00eb fshir\u00eb rreth 82 miliard\u00eb lek\u00eb kredi t\u00eb humbura. Megjithat\u00eb, pjesa m\u00eb e madhe e fshirjeve ndodhi n\u00eb vitet e para pas miratimit t\u00eb k\u00ebrkesave rregullatore. N\u00eb vitet fundit, vlera e fshirjeve ka qen\u00eb n\u00eb vlera relativisht t\u00eb ul\u00ebta.<\/span><\/p>\n

Raporti i kredive me probleme vitin e kaluar ra n\u00eb 4.2%, nga 4.8% q\u00eb kishte qen\u00eb n\u00eb fund t\u00eb vitit 2023, duke prekur nivelin m\u00eb t\u00eb ul\u00ebt t\u00eb 15 vjet\u00ebve t\u00eb fundit. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kjo ecuri u ndikua nga efekti i kombinuar i tkurrjes s\u00eb stokut t\u00eb kredive me probleme dhe rritjes s\u00eb stokut t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb kredis\u00eb. Bankat kan\u00eb raportuar rritje t\u00eb cil\u00ebsis\u00eb s\u00eb kredis\u00eb kryesisht p\u00ebr kredin\u00eb me maturitet afatshkurt\u00ebr, kredin\u00eb p\u00ebr bizneset dhe kredin\u00eb n\u00eb valut\u00eb.<\/span><\/p>\n

Stoku i kredive me probleme n\u00eb fund t\u00eb 2024 ishte rreth 35 miliard\u00eb lek\u00eb, n\u00eb r\u00ebnie t\u00eb leht\u00eb vjetore, me 1%. N\u00eb k\u00ebt\u00eb ecuri ka ndikuar kalimi i disa kredive \u201cn\u00ebnstandard\u201d dhe \u201ct\u00eb dyshimta\u201d drejt klasave performuese, si pasoj\u00eb e ritmit m\u00eb t\u00eb shpejt\u00eb t\u00eb shlyerjes s\u00eb kredive me probleme.<\/span><\/p>\n

Gjat\u00eb periudh\u00ebs, kredit\u00eb me probleme t\u00eb klasifikuara \u201ct\u00eb humbura\u201d u zgjeruan me 3.5 miliard\u00eb lek\u00eb. Pesh\u00ebn kryesore n\u00eb portofolin e kredive me probleme vijojn\u00eb ta mbajn\u00eb pik\u00ebrisht kredit\u00eb e humbura dhe pesha e tyre arriti n\u00eb 62% n\u00eb fund t\u00eb periudh\u00ebs, nga 56% q\u00eb zinte nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Mbulimi me kolateral i kredis\u00eb mbetet n\u00eb nivele t\u00eb larta dhe gjat\u00eb periudh\u00ebs ky raport u rrit me 1 pik\u00eb p\u00ebrqindje, n\u00eb 76%. Kredit\u00eb me kolateral n\u00eb form\u00ebn e pasurive t\u00eb paluajtshme z\u00ebn\u00eb pesh\u00ebn kryesore ose rreth 61% t\u00eb kredis\u00eb s\u00eb kolateralizuar dhe 46% t\u00eb tepric\u00ebs s\u00eb kredis\u00eb.<\/span><\/p>\n

Stoku i kredis\u00eb s\u00eb kolateralizuar me pasuri t\u00eb paluajtshme \u00ebsht\u00eb zgjeruar me 9% n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, si rezultat i rritjes s\u00eb kredis\u00eb s\u00eb kolateralizuar me pasuri t\u00eb paluajtshme rezidenciale. Edhe portofolet e kredive t\u00eb kolateralizuara me kolateral tjet\u00ebr kan\u00eb sh\u00ebnuar rritje.<\/span><\/p>\n

Raporti i mbulimit me provigjione p\u00ebr rrezikun e kredis\u00eb \u00ebsht\u00eb rritur, duke qen\u00eb se \u00ebsht\u00eb rritur pesha e kredive t\u00eb klasifikuara \u201ct\u00eb humbura\u201d n\u00eb struktur\u00ebn e kredive me probleme, p\u00ebr t\u00eb cilat k\u00ebrkohet provigjionim i plot\u00eb. N\u00eb dhjetor 2024, raporti i mbulimit t\u00eb kredive me probleme me provigjione prej 76% ishte m\u00eb i lart\u00eb se niveli 67% i regjistruar n\u00eb fund t\u00eb gjysm\u00ebs s\u00eb par\u00eb t\u00eb vitit 2024 dhe m\u00eb i lart\u00eb se niveli prej 71% i nj\u00eb viti m\u00eb par\u00eb.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Vlera e kredive t\u00eb fshira nga sektori bankar u rrit vitin e kaluar. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb gjat\u00eb vitit 2024 bankat nxor\u00ebn jasht\u00eb bilanceve rreth 2.4 miliard\u00eb lek\u00eb kredi t\u00eb humbura (rreth 24 mln euro), 20% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. \u00a061% e vler\u00ebs s\u00eb kredive t\u00eb fshira u […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":738329,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-738328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/738328","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=738328"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/738328\/revisions"}],"predecessor-version":[{"id":738330,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/738328\/revisions\/738330"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/738329"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=738328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=738328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=738328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}