{"id":757019,"date":"2025-08-25T07:24:26","date_gmt":"2025-08-25T05:24:26","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=757019"},"modified":"2025-08-25T07:36:02","modified_gmt":"2025-08-25T05:36:02","slug":"kredia-per-shtepi-ja-si-ndahet-torta-mes-bankave","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/25\/kredia-per-shtepi-ja-si-ndahet-torta-mes-bankave\/","title":{"rendered":"Kredia p\u00ebr sht\u00ebpi, ja si ndahet \u201ctorta\u201d mes bankave","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kredia p\u00ebr sht\u00ebpi e dh\u00ebn\u00eb nga sektori bankar shqiptar arriti rekorde t\u00eb reja n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb gjasht\u00eb muaj sektori bankar dha 36.2 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr sht\u00ebpi, n\u00eb rritje me 31.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Portofoli aktiv i kredis\u00eb p\u00ebr blerjen e banesave ka arritur vler\u00ebn e 230.1 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 17.4%. Ky portofol p\u00ebrb\u00ebn tashm\u00eb 27% t\u00eb kredis\u00eb totale p\u00ebr ekonomin\u00eb shqiptare.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave operative, t\u00eb raportuara nga sektori bankar, n\u00eb mesin e k\u00ebtij viti tregu i kredis\u00eb p\u00ebr sht\u00ebpi kryeson nga\u00a0Banka Komb\u00ebtare Tregtare\u00a0(BKT). Banka m\u00eb e madhe n\u00eb vend zot\u00ebronte nj\u00eb portofol total prej 46.9 miliard\u00eb lek\u00ebsh. Kjo shum\u00eb p\u00ebrb\u00ebn rreth 21.9% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi t\u00eb dh\u00ebn\u00eb nga sektori bankar n\u00eb Shqip\u00ebri.<\/span><\/p>\n

Ndjek\u00a0OTP Albania, q\u00eb historikisht ka pasur nj\u00eb fokus t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb k\u00ebt\u00eb produkt. N\u00eb mesin e 2025, banka me kapital hungarez zot\u00ebronte nj\u00eb portofol prej 40.2 miliard\u00eb lek\u00ebsh ose af\u00ebrsisht sa 18.7% e portofolit total t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi.<\/span><\/p>\n

BKT dhe OTP Albania, kan\u00eb nj\u00eb avantazh t\u00eb konsideruesh\u00ebm n\u00eb k\u00ebt\u00eb produkt, kundrejt bankave t\u00eb tjera tregtare n\u00eb vend. S\u00eb bashku, ato zot\u00ebrojn\u00eb af\u00ebrsisht 40% t\u00eb tregut t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi.<\/span><\/p>\n

N\u00eb vend t\u00eb tret\u00eb pozicionohet\u00a0Credins Bank, me nj\u00eb portofol aktiv prej 27.3 miliard\u00eb lek\u00ebsh. Kjo shum\u00eb p\u00ebrb\u00ebn 12.7% t\u00eb portofolit t\u00eb sektorit bankar n\u00eb vend. Megjith\u00ebse \u00ebsht\u00eb banka m\u00eb e madhe kredituese ekonomis\u00eb shqiptare, Credins Bank vazhdon ta ket\u00eb fokusin kryesor n\u00eb segmentin e biznesit, nd\u00ebrsa renditet m\u00eb mbrapa n\u00eb huadh\u00ebnien p\u00ebr individ\u00ebt dhe familjet.<\/span><\/p>\n

Raiffeisen Bank\u00a0\u00ebsht\u00eb banka e kat\u00ebrt m\u00eb e madhe financuese e blerjes s\u00eb sht\u00ebpive nga familjet shqiptare, me nj\u00eb portofol prej 23.9 miliard\u00eb lek\u00ebsh, ose sa 11.1% e totalit t\u00eb sektorit bankar n\u00eb vend.<\/span><\/p>\n

Tirana Bank\u00a0po fiton nj\u00eb pesh\u00eb n\u00eb rritje edhe n\u00eb tregun e kredis\u00eb p\u00ebr sht\u00ebpi. N\u00eb mesin e k\u00ebtij viti, banka e grupit Balfin raportonte nj\u00eb portofol total prej 19.5 miliard\u00eb lek\u00ebsh. Kjo shum\u00eb p\u00ebrb\u00ebn af\u00ebrsisht 9.1% t\u00eb totalit t\u00eb portofolit t\u00eb sektorit.<\/span><\/p>\n

Ndjek\u00a0Banka Intesa Sanpaolo Shqip\u00ebri,\u00a0me nj\u00eb portofol n\u00eb shum\u00ebn e 17.7 miliard\u00eb lek\u00ebve osa sa 8.2% e totalit t\u00eb sektorit.<\/span><\/p>\n

Vijon\u00a0Banka e Par\u00eb e Investime Shqip\u00ebri\u00a0(Fibank), me nj\u00eb portofol total prej 13.4 miliard\u00eb lek\u00ebsh. Banka me kapital bullgar \u00ebsht\u00eb aktor i r\u00ebnd\u00ebsish\u00ebm n\u00eb tregun e kredis\u00eb p\u00ebr sht\u00ebpi, me m\u00eb shum\u00eb se 6.2% t\u00eb portofolit total.<\/span><\/p>\n

Banka Amerikane e Investimeve\u00a0(ABI Bank) n\u00eb mesin e 2025 raportonte nj\u00eb portofol t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb vler\u00ebn e 8.9 miliard\u00eb lek\u00ebve, shum\u00eb kjo q\u00eb p\u00ebrb\u00ebn 4.1% t\u00eb totalit t\u00eb sektorit.<\/span><\/p>\n

Union Bank\u00a0zot\u00ebronte 3.7% t\u00eb tregut t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi, me nj\u00eb vler\u00eb totale portofoli prej 7.9 miliard\u00eb lek\u00ebsh.<\/span><\/p>\n

Renditja mbyllet nga\u00a0Banka e Bashkuar e Shqip\u00ebris\u00eb\u00a0(UBA). Banka m\u00eb e vog\u00ebl e sektorit zot\u00ebron nj\u00eb portofol t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb vler\u00ebn e 4.3 miliard\u00eb lek\u00ebve, shum\u00eb kjo q\u00eb i jep 2% t\u00eb tregut t\u00eb k\u00ebtij produkti.<\/span><\/p>\n

Rritja e kredis\u00eb p\u00ebr sht\u00ebpi vler\u00ebsohet t\u00eb ket\u00eb arritur pikun n\u00eb mesin e k\u00ebtij viti, nd\u00ebrsa pas muajit korrik huadh\u00ebnia mund t\u00eb ket\u00eb nj\u00eb ngadal\u00ebsim, p\u00ebr shkak t\u00eb hyrjes n\u00eb fuqi t\u00eb masave kufizuese t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb. K\u00ebto masa, priten t\u00eb ndikojn\u00eb ve\u00e7an\u00ebrisht kredit\u00eb p\u00ebr blerjen e sht\u00ebpive t\u00eb dyta ose n\u00eb p\u00ebrgjith\u00ebsi p\u00ebr q\u00ebllime investimi.<\/span><\/p>\n

Banka Qendrore ka vendosur nivele tavan p\u00ebr treguesit \u201cRaporti i kredis\u00eb ndaj vler\u00ebs\u201d dhe \u201cRaporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave\u201d, p\u00ebr kredit\u00eb q\u00eb japin bankat p\u00ebr pasuri t\u00eb paluajtshme rezidenciale.<\/span><\/p>\n

Raporti i kredis\u00eb ndaj vler\u00ebs \u00ebsht\u00eb p\u00ebrqindja e \u00e7mimit t\u00eb blerjes s\u00eb banes\u00ebs q\u00eb banka merr p\u00ebrsip\u00ebr t\u00eb financoj\u00eb n\u00ebp\u00ebrmjet kredis\u00eb. Raporti tavan i kredis\u00eb ndaj vler\u00ebs n\u00eb monedh\u00ebn Lek\u00eb do t\u00eb jet\u00eb 85% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 80% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb, nd\u00ebrsa n\u00eb valut\u00eb t\u00eb huaj 75% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 70% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/span><\/p>\n

Nd\u00ebrsa raporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave p\u00ebrfaq\u00ebson raportin mes k\u00ebstit ose k\u00ebsteve t\u00eb kredis\u00eb p\u00ebr prona, n\u00eb raport me t\u00eb ardhurat e huamarr\u00ebsve. Raporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave p\u00ebr kredit\u00eb n\u00eb Lek\u00eb do t\u00eb jet\u00eb n\u00eb nivelin 40% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 35% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb. N\u00eb valut\u00eb t\u00eb huaj, niveli tavan do t\u00eb jet\u00eb 35% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 30% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.\/ Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kredia p\u00ebr sht\u00ebpi e dh\u00ebn\u00eb nga sektori bankar shqiptar arriti rekorde t\u00eb reja n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb gjasht\u00eb muaj sektori bankar dha 36.2 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr sht\u00ebpi, n\u00eb rritje me 31.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Portofoli aktiv i […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":757022,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-757019","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\/757019","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=757019"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/757019\/revisions"}],"predecessor-version":[{"id":757024,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/757019\/revisions\/757024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/757022"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=757019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=757019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=757019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}