{"id":739863,"date":"2025-05-07T12:40:50","date_gmt":"2025-05-07T10:40:50","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=739863"},"modified":"2025-05-07T12:40:50","modified_gmt":"2025-05-07T10:40:50","slug":"bankat-rikuperuan-me-shume-kredi-me-probleme-vitin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/05\/07\/bankat-rikuperuan-me-shume-kredi-me-probleme-vitin-e-kaluar\/","title":{"rendered":"Bankat rikuperuan m\u00eb shum\u00eb kredi me probleme vitin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Norma e rikuperimit t\u00eb kredive me probleme nga sektori bankar u p\u00ebrmir\u00ebsua vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb gjasht\u00ebmujorin e dyt\u00eb 2024 norma e rikuperimit t\u00eb kredive me probleme u rrit n\u00eb 13.8%, nga 12.7% nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Norma e rekuperimit tregon vler\u00ebn e kredive q\u00eb jan\u00eb hequr nga kategoria e kredive me probleme dhe q\u00eb kan\u00eb kaluar n\u00eb klasat performuese gjat\u00eb nj\u00eb viti, n\u00eb raport me tepric\u00ebn e kredive me probleme n\u00eb fund t\u00eb periudh\u00ebs. Kjo ecuri tregon rritje t\u00eb aft\u00ebsis\u00eb s\u00eb bankave p\u00ebr t\u00eb rikuperuar kredit\u00eb me probleme.<\/span><\/p>\n

Paralelisht, edhe prurjet e reja t\u00eb kredive me probleme p\u00ebsuan r\u00ebnie. Ky tregues p\u00ebrfaq\u00ebson fluksin e ri t\u00eb kredive me probleme gjat\u00eb nj\u00eb viti ndaj tepric\u00ebs s\u00eb kredive t\u00eb rregullta n\u00eb fund t\u00eb periudh\u00ebs. N\u00eb fund t\u00eb vitit t\u00eb kaluar, fluksi vjetor i kredive t\u00eb reja me probleme ishte sa 1.7% e kredive t\u00eb rregullta, nga 1.8% dhe 1.9% nj\u00eb gjasht\u00ebmujor dhe nj\u00eb vit m\u00eb par\u00eb. Kjo ecuri u p\u00ebrcaktua nga zgjerimi i i tepric\u00ebs s\u00eb kredive t\u00eb rregullta.<\/span><\/p>\n

Gjithashtu, norma e d\u00ebshtimit q\u00eb tregon shpejt\u00ebsin\u00eb me t\u00eb cil\u00ebn akumulohen kredit\u00eb e humbura n\u00eb krahasim me totalin e kredis\u00eb, ka r\u00ebn\u00eb n\u00eb 1.1%, nga 1.2% q\u00eb ishte nj\u00eb gjasht\u00ebmujor dhe 1.4% q\u00eb ishte nj\u00eb vit m\u00eb par\u00eb, ndikuar nga zgjerimi i tepric\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb kredis\u00eb dhe tkurrja e huave t\u00eb humbura. Ky tregues shpreh fluksin e ri t\u00eb kredive t\u00eb humbura gjat\u00eb nj\u00eb viti ndaj tepric\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb kredis\u00eb n\u00eb fund t\u00eb periudh\u00ebs.<\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, r\u00ebnia e norm\u00ebs s\u00eb d\u00ebshtimit sinjalizon nj\u00eb rrezik m\u00eb t\u00eb ul\u00ebt t\u00eb aktivitetit kreditues, megjithat\u00eb kjo nuk p\u00ebrjashton q\u00eb zgjerimi i portofolit t\u00eb kredis\u00eb mund t\u00eb materializohet n\u00eb nj\u00eb shtim t\u00eb prurjeve t\u00eb kredive me probleme n\u00eb t\u00eb ardhmen.<\/span><\/p>\n

Treguesit plot\u00ebsues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb n\u00eb p\u00ebrgjith\u00ebsi konfirmojn\u00eb nj\u00eb ecuri n\u00eb p\u00ebrmir\u00ebsim t\u00eb kredive me probleme, pavar\u00ebsisht se k\u00ebt\u00eb vit r\u00ebnia e raportit t\u00eb kredive me probleme \u00ebsht\u00eb ngadal\u00ebsuar.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vitin e kaluar raporti i kredive me probleme zbriti n\u00eb 4.17%, nga 4.74% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Ky tregues ka arritur nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej shtatorit t\u00eb vitit 2008.<\/span><\/p>\n

Zmadhimi i portofolit total t\u00eb kredis\u00eb pati nj\u00eb rol t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb uljen e raportit t\u00eb kredive me probleme vitin e kaluar. Portofoli i kredis\u00eb p\u00ebr ekonomin\u00eb n\u00eb fund t\u00eb vitit 2024 arriti vler\u00ebn e 835.6 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 12.3%. Kjo \u00ebsht\u00eb gjithashtu rritja m\u00eb e lart\u00eb e portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb n\u00eb 16 vitet e fundit.<\/span><\/p>\n

Ekonomia shqiptare vitin e kaluar u karakterizua nga ritme relativisht t\u00eb larta t\u00eb rritjes, e mb\u00ebshtetur sidomos nga ecuria e mir\u00eb e sektor\u00ebve t\u00eb lidhur me turizmin dhe pasurit\u00eb e paluajtshme.<\/span><\/p>\n

Gjat\u00eb vitit t\u00eb kaluar, raporti i kredive me probleme ka p\u00ebsuar nj\u00eb r\u00ebnie t\u00eb leht\u00eb edhe n\u00eb vler\u00eb absolute. Totali i kredive me probleme n\u00eb fund t\u00eb 2024 vler\u00ebsohej n\u00eb af\u00ebrsisht 34.8 miliard\u00eb lek\u00eb, nga rreth 35.3 miliard\u00eb lek\u00eb q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. N\u00eb vler\u00eb absolute, kredit\u00eb e k\u00ebqija kan\u00eb r\u00ebn\u00eb me af\u00ebrsisht 0.5 miliard\u00eb lek\u00eb ose 1.4% krahasuar me nj\u00eb vit m\u00eb par\u00eb.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Norma e rikuperimit t\u00eb kredive me probleme nga sektori bankar u p\u00ebrmir\u00ebsua vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb gjasht\u00ebmujorin e dyt\u00eb 2024 norma e rikuperimit t\u00eb kredive me probleme u rrit n\u00eb 13.8%, nga 12.7% nj\u00eb vit m\u00eb par\u00eb. Norma e rekuperimit tregon vler\u00ebn e kredive q\u00eb jan\u00eb hequr […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":739865,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-739863","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\/739863","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=739863"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/739863\/revisions"}],"predecessor-version":[{"id":739866,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/739863\/revisions\/739866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/739865"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=739863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=739863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=739863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}