{"id":755177,"date":"2025-08-12T12:38:56","date_gmt":"2025-08-12T10:38:56","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=755177"},"modified":"2025-08-12T12:38:56","modified_gmt":"2025-08-12T10:38:56","slug":"fitimi-i-sektorit-bankar-ra-me-8-5-per-gjysmen-e-pare-te-vitit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/12\/fitimi-i-sektorit-bankar-ra-me-8-5-per-gjysmen-e-pare-te-vitit\/","title":{"rendered":"Fitimi i sektorit bankar ra me 8.5% p\u00ebr gjysm\u00ebn e par\u00eb t\u00eb vitit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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R\u00ebnia e normave t\u00eb interesit po sjell nj\u00eb zhvendosje n\u00eb ulje t\u00eb fitimit t\u00eb sektorit bankar p\u00ebr k\u00ebt\u00eb vit.<\/span><\/p>\n

T\u00eb dh\u00ebnat e paaudituara t\u00eb bankave tregtare, sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar (IFRS), t\u00eb publikuara nga Shoqata Shqiptare e Bankave, tregojn\u00eb se fitimi neto i sektorit p\u00ebr 6-mujorin 2025 kishte vler\u00ebn e 17.7 miliard\u00eb lek\u00ebve, n\u00eb r\u00ebnie me 8.5% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Bankat qendrore vitin e kaluar nis\u00ebn uljen e normave t\u00eb interesit dhe kjo \u00ebsht\u00eb reflektuar n\u00eb kthimet prej instrumenteve financiare. Treguesi kryesor benchmark p\u00ebr Euron, Euribori 12-mujor, n\u00eb fund t\u00eb 6-mujorit 2025 ra pran\u00eb nivelit t\u00eb 2%, nga pothuajse 3.3% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Nd\u00ebrsa yield-i mesatar i bonove 12-mujore n\u00eb Lek\u00eb ka r\u00ebn\u00eb n\u00eb 2.76%, nga 3.28% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. R\u00ebnia e treguesve benchmark p\u00ebrcillet direkt n\u00eb normat e kredive me norma t\u00eb ndryshueshme interesi t\u00eb bankave tregtare, q\u00eb p\u00ebrb\u00ebjn\u00eb edhe pjes\u00ebn d\u00ebrrmuese t\u00eb portofolit t\u00eb tyre.<\/span><\/p>\n

R\u00ebnia e normave t\u00eb interesit, si n\u00eb Lek\u00eb, ashtu edhe n\u00eb Euro ka filluar t\u00eb jap\u00eb efektet e para n\u00eb nj\u00eb korrigjim n\u00eb ulje t\u00eb fitimeve t\u00eb sektorit bankar n\u00eb vend.<\/span><\/p>\n

Ky efekt \u00ebsht\u00eb i duksh\u00ebm p\u00ebr pothuajse t\u00eb gjitha bankat e sektorit. Nga 11 banka n\u00eb treg, n\u00ebnt\u00eb raportojn\u00eb ulje t\u00eb fitimeve krahasuar me nj\u00eb vit m\u00eb par\u00eb. Madje, dy prej tyre e kan\u00eb mbyllur 6-mujorin e par\u00eb me humbje. Vet\u00ebm dy banka kan\u00eb arritur fitime m\u00eb t\u00eb larta krahasuar me 6-mujorin e par\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n

Raiffeisen Bank kryeson renditjen e fitimeve, me nj\u00eb rezultat neto n\u00eb vler\u00ebn e 4.16 miliard\u00eb lek\u00ebsh, por n\u00eb r\u00ebnie me 5% krahasuar me 6-mujorin e par\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n

Banka m\u00eb e madhe n\u00eb vend, Banka Komb\u00ebtare Tregtare renditet e dyta, me nj\u00eb fitim neto prej 3.87 miliard\u00eb lek\u00ebsh. Edhe BKT raporton nj\u00eb r\u00ebnie t\u00eb rezultatit financiar, me 18% m\u00eb pak krahasuar me 6-mujorin e par\u00eb t\u00eb vitit 2024.<\/span><\/p>\n

Vijon, OTP Albania, me 2.4 miliard\u00eb lek\u00eb (7% m\u00eb pak krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb); Banka Amerikane e Investimeve (ABI Bank), me 2.1 miliard\u00eb lek\u00eb (37% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb); Intesa Sanpaolo, me 1.56 miliard\u00eb lek\u00eb (17% m\u00eb pak krahasuar me 6-mujorin 2024); Tirana Bank, me 1.32 miliard\u00eb lek\u00eb (3% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb); Credins Bank, me 869 milion\u00eb lek\u00eb (19% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb); Banka e Par\u00eb e Investimeve (Fibank), me 824 milion\u00eb lek\u00eb (13% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb), Union Bank, me 692 milion\u00eb lek\u00eb (22% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb).<\/span><\/p>\n

ProCredit Bank e ka mbyllur 6-mujorin me humbje n\u00eb vler\u00ebn e 35 milion\u00eb lek\u00ebve, (kundrejt nj\u00eb fitimi 103 milion\u00eb lek\u00eb nj\u00eb vit m\u00eb par\u00eb), nd\u00ebrsa Banka e Bashkuar e Shqip\u00ebris\u00eb (UBA) raporton humbje n\u00eb vler\u00ebn e 73 milion\u00eb lek\u00ebve, nd\u00ebrsa nj\u00eb vit m\u00eb par\u00eb raportonte fitim neto p\u00ebr 85 milion\u00eb lek\u00eb. Megjithat\u00eb, raportimet e UBA n\u00eb t\u00eb dyja rastet jan\u00eb b\u00ebr\u00eb sipas standardeve lokale t\u00eb mbik\u00ebqyrjes, t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe jo sipas IFRS-ve.<\/span><\/p>\n

P\u00ebr sa i takon kthimit nga kapitali aksionar, renditja kryesohet nga ABI Bank, me 33.93% (27.11% nj\u00eb vit m\u00eb par\u00eb), e ndjekur nga Raiffeisen Bank, me 26.15% (29.47% nj\u00eb vit m\u00eb par\u00eb); Fibank, me 24.35% (25.05% nj\u00eb vit m\u00eb par\u00eb); OTP Albania, me 17.72% (23.82% nj\u00eb vit m\u00eb par\u00eb); Tirana Bank, me 16.11% (20.89% nj\u00eb vit m\u00eb par\u00eb); BKT, me 15.03% (19.71% nj\u00eb vit m\u00eb par\u00eb); Union Bank, me 14.6% (22.87% nj\u00eb vit m\u00eb par\u00eb); Intesa Sanpaolo, me 13.45% (15.42% nj\u00eb vit m\u00eb par\u00eb); Credins Bank, me 6.97% (10.35% nj\u00eb vit m\u00eb par\u00eb; ProCredit Bank, me -1.5% (4.83% nj\u00eb vit m\u00eb par\u00eb) dhe UBA, me -3.81% (5.48% 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":"

R\u00ebnia e normave t\u00eb interesit po sjell nj\u00eb zhvendosje n\u00eb ulje t\u00eb fitimit t\u00eb sektorit bankar p\u00ebr k\u00ebt\u00eb vit. T\u00eb dh\u00ebnat e paaudituara t\u00eb bankave tregtare, sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar (IFRS), t\u00eb publikuara nga Shoqata Shqiptare e Bankave, tregojn\u00eb se fitimi neto i sektorit p\u00ebr 6-mujorin 2025 kishte vler\u00ebn e 17.7 miliard\u00eb lek\u00ebve, […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":755178,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-755177","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\/755177","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=755177"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/755177\/revisions"}],"predecessor-version":[{"id":755179,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/755177\/revisions\/755179"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/755178"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=755177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=755177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=755177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}