{"id":744851,"date":"2025-06-04T07:30:39","date_gmt":"2025-06-04T05:30:39","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=744851"},"modified":"2025-06-04T07:30:39","modified_gmt":"2025-06-04T05:30:39","slug":"bankat-kerkojne-nga-banka-e-shqiperise-te-lehtesoje-kredite-per-ppp-te-ne-infrastrukture","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/06\/04\/bankat-kerkojne-nga-banka-e-shqiperise-te-lehtesoje-kredite-per-ppp-te-ne-infrastrukture\/","title":{"rendered":"Bankat k\u00ebrkojn\u00eb nga Banka e Shqip\u00ebris\u00eb t\u00eb leht\u00ebsoj\u00eb kredit\u00eb p\u00ebr PPP-t\u00eb n\u00eb infrastruktur\u00eb","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Shoqata Shqiptare e Bankave i ka d\u00ebrguar nj\u00eb propozim Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, ku k\u00ebrkon q\u00eb kredit\u00eb e dh\u00ebna p\u00ebr projektet strategjike n\u00eb sektorin e transportit t\u00eb klasifikohen me rrezik t\u00eb ul\u00ebt p\u00ebr q\u00ebllime rregullatore.<\/span><\/p>\n

Burime nga tregu b\u00ebjn\u00eb t\u00eb ditur se propozimi i sektorit bankar lidhet kryesisht me financimin e rrug\u00ebve, porteve apo aeroporteve, vepra p\u00ebr t\u00eb cilat n\u00eb dekad\u00ebn e fundit po p\u00ebrdoret mekanizmi i koncesionit apo partneritetit publik-privat (PPP).<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb po e shqyrton mund\u00ebsin\u00eb p\u00ebr t\u00eb pranuar propozimin e bankave dhe vendimi pritet t\u00eb miratohet n\u00eb nj\u00eb nga mbledhjet e radh\u00ebs t\u00eb K\u00ebshillit Mbik\u00ebqyr\u00ebs.<\/span><\/p>\n

Njohja e nj\u00eb rreziku m\u00eb t\u00eb ul\u00ebt n\u00ebnkupton q\u00eb kredit\u00eb e dh\u00ebna p\u00ebr k\u00ebta sektor\u00eb t\u00eb ponderohen me koeficient\u00eb m\u00eb t\u00eb vegj\u00ebl, p\u00ebr efekt t\u00eb llogaritjes s\u00eb raportit t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit.<\/span><\/p>\n

Nj\u00eb veprim i till\u00eb do t\u00eb b\u00ebnte m\u00eb pak t\u00eb kushtueshme dh\u00ebnien e kredive t\u00eb k\u00ebtij lloji n\u00eb terma t\u00eb kapitalizimit dhe do t\u00eb shtonte hap\u00ebsirat e bankave p\u00ebr t\u00eb financuar projekte t\u00eb k\u00ebtij lloji.<\/span><\/p>\n

N\u00eb p\u00ebrgjith\u00ebsi, kredit\u00eb p\u00ebr projektet e infrasturktur\u00ebs rrugore prekin shifra t\u00eb m\u00ebdha, ndaj kan\u00eb edhe nj\u00eb ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm mbi raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit, q\u00eb mat raportin mes aktiveve me rrezik kundrejt kapitalit rregullator. P\u00ebr k\u00ebt\u00eb arsye, kapacitetet e bankave p\u00ebr t\u00eb financuar projekte t\u00eb k\u00ebtij lloji mund t\u00eb jen\u00eb t\u00eb kufizuara.<\/span><\/p>\n

Gjat\u00eb viteve t\u00eb fundit, sektori bankar n\u00eb vend ka shfaqur nj\u00eb oreks n\u00eb rritje p\u00ebr t\u00eb financuar projektet e r\u00ebnd\u00ebsishme t\u00eb PPP-ve n\u00eb infrastruktur\u00eb.<\/span><\/p>\n

Muajin e kaluar,\u00a0Tirana Bank\u00a0n\u00ebnshkroi nj\u00eb kontrat\u00eb kredie prej 17 milion\u00eb eurosh me kompanin\u00eb \u201cMarina Vlor\u00eb\u201d, q\u00eb po zbaton projektin koncesionar t\u00eb nd\u00ebrtimit t\u00eb nj\u00eb porti t\u00eb jahteve n\u00eb Vlor\u00eb, bashkangjitur me nj\u00eb kompleks reziencial dhe hotelier, \u201cVlora Marina\u201d, sipas nj\u00eb modeli t\u00eb ngjash\u00ebm me at\u00eb q\u00eb po nd\u00ebrtohet n\u00eb Portin e Durr\u00ebsit.<\/span><\/p>\n

N\u00eb fund t\u00eb vitit 2023, tre banka tregtare shqiptare vendos\u00ebn t\u00eb financonin me nj\u00eb kredi t\u00eb p\u00ebrbashk\u00ebt (sindikale) projektin e partneritetit publik-privat p\u00ebr nd\u00ebrtimin e rrug\u00ebs Thuman\u00eb-Kashar. Banka Amerikane e Investimeve, Tirana Bank dhe\u00a0Union Bank\u00a0financuan me m\u00eb shum\u00eb se 30 milion\u00eb euro nd\u00ebrtimin e rrug\u00ebs Thuman\u00eb-Kashar.<\/span><\/p>\n

N\u00eb vitin 2021,\u00a0Intesa Sanpaolo Bank Albania,\u00a0OTP Albania\u00a0dhe Tirana Bank financuan nj\u00eb kredi t\u00eb p\u00ebrbashk\u00ebt prej 26 milion\u00eb eurosh shoq\u00ebrin\u00eb koncesionare \u201cOrikum-Llogara\u201d.<\/span><\/p>\n

Projekti m\u00eb i r\u00ebnd\u00ebsish\u00ebm me financim publik i PPP-ve n\u00eb nd\u00ebrtimin e rrug\u00ebve \u00ebsht\u00eb ai Rrug\u00ebs s\u00eb Arbrit. Ky projekt \u00ebsht\u00eb mb\u00ebshtetur me nj\u00eb kredi t\u00eb konsiderueshme nga\u00a0Banka Komb\u00ebtare Tregtare\u00a0(BKT).<\/span><\/p>\n

N\u00eb gusht t\u00eb vitit 2018, BKT miratoi nj\u00eb hua deri n\u00eb vler\u00ebn e 9.5 miliard\u00eb lek\u00ebve te kompania \u201cGjoka 87\u201d, megjithat\u00eb n\u00eb fakt ajo nuk \u00ebsht\u00eb disbursuar deri n\u00eb vler\u00ebn maksimale t\u00eb parashikuar. Sipas pasqyrave financiare t\u00eb \u201cGjoka 87\u201d, detyrimi maksimal ndaj bank\u00ebs ka arritur shum\u00ebn 4.4 miliard\u00eb lek\u00eb, n\u00eb vitin 2022.<\/span><\/p>\n

N\u00eb vitin 2017, BKT gjithashtu ka miratuar gjithashtu nj\u00eb kredi prej 28.5 milion\u00eb euro te \u201cAlbania Highway Concession\u201d, kompania q\u00eb po zbaton kontrat\u00ebn koncesionare t\u00eb p\u00ebrfundimit dhe mir\u00ebmbajtjes s\u00eb Rrug\u00ebs s\u00eb Kombit.<\/span><\/p>\n

N\u00eb rastin e PPP-ve, qeveria shqiptare nuk ofron garanci sovrane, ndaj bankat duhet ta marr\u00eb vet\u00eb p\u00ebrsip\u00ebr rrezikun e kredis\u00eb. Pavar\u00ebsisht nga kjo, sektori bankar ka ofruar tashm\u00eb p\u00ebrsip\u00ebr financime t\u00eb konsiderueshme n\u00eb projektet e PPP-ve n\u00eb infrastruktur\u00eb.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Shoqata Shqiptare e Bankave i ka d\u00ebrguar nj\u00eb propozim Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, ku k\u00ebrkon q\u00eb kredit\u00eb e dh\u00ebna p\u00ebr projektet strategjike n\u00eb sektorin e transportit t\u00eb klasifikohen me rrezik t\u00eb ul\u00ebt p\u00ebr q\u00ebllime rregullatore. Burime nga tregu b\u00ebjn\u00eb t\u00eb ditur se propozimi i sektorit bankar lidhet kryesisht me financimin e rrug\u00ebve, porteve apo aeroporteve, vepra […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":744852,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-744851","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\/744851","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=744851"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/744851\/revisions"}],"predecessor-version":[{"id":744853,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/744851\/revisions\/744853"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/744852"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=744851"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=744851"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=744851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}