{"id":769243,"date":"2025-11-03T13:22:15","date_gmt":"2025-11-03T12:22:15","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=769243"},"modified":"2025-11-03T13:22:15","modified_gmt":"2025-11-03T12:22:15","slug":"bsh-pergatit-rishikimin-e-plote-te-rregullave-per-administrimin-e-rrezikut-te-kredise-nga-bankat","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/11\/03\/bsh-pergatit-rishikimin-e-plote-te-rregullave-per-administrimin-e-rrezikut-te-kredise-nga-bankat\/","title":{"rendered":"BSH p\u00ebrgatit rishikimin e plot\u00eb t\u00eb rregullave p\u00ebr administrimin e rrezikut t\u00eb kredis\u00eb nga bankat","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Banka e Shqip\u00ebris\u00eb po p\u00ebrgatit rishikimin e plot\u00eb t\u00eb kuadrit t\u00eb administrimit t\u00eb rrezikut p\u00ebr sektorin bankar, p\u00ebr ta p\u00ebrshtatur at\u00eb me standardet e reja dhe me praktik\u00ebn e ndjekur nga institucionet mbik\u00ebqyr\u00ebse europiane.<\/span><\/p>\n

N\u00eb raportimin e tij p\u00ebr Kuvendin e Shqip\u00ebris\u00eb jav\u00ebn e kaluar, Guvernatori, Gent Sejko, tha se k\u00ebto ndryshime do t\u00eb b\u00ebhen edhe n\u00eb kuad\u00ebr t\u00eb ndryshimit t\u00eb raportimit financiar p\u00ebr q\u00ebllime mbik\u00ebqyrjeje, n\u00eb p\u00ebrputhje me Standardet Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar (IFRS).<\/span><\/p>\n

Ndryshimi m\u00eb thelb\u00ebsor do t\u00eb lidhet me m\u00ebnyr\u00ebn e llogaritjes s\u00eb provigjioneve ose fondeve rezerv\u00eb p\u00ebr humbjet nga kredit\u00eb. Aktualisht, sipas kuadrit rregullator q\u00eb aplikon Banka e Shqip\u00ebris\u00eb, klasifikimi i kredive me probleme dhe i provigjioneve q\u00eb llogariten p\u00ebr to b\u00ebhet kryesisht bazuar n\u00eb vonesat kohore n\u00eb shlyerjen e tyre.<\/span><\/p>\n

Sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar, klasifikimi i kredive dhe llogaritja e provigjioneve mb\u00ebshtetet mbi analiz\u00ebn e gjendjes financiare dhe aft\u00ebsive t\u00eb pritshme paguese t\u00eb huamarr\u00ebsit. Gjithashtu, IFRS-t\u00eb mund\u00ebsojn\u00eb edhe zbritjen e vler\u00ebs s\u00eb kolateralit nga humbja e pritshme, duke \u00e7uar p\u00ebrgjith\u00ebsisht n\u00eb vlera m\u00eb t\u00eb ul\u00ebta t\u00eb shpenzimeve p\u00ebr provigjione.<\/span><\/p>\n

Sipas informacioneve nga Banka e Shqip\u00ebris\u00eb, pritet q\u00eb drafti i rregullores s\u00eb re t\u00eb jet\u00eb gati brenda k\u00ebtij viti.<\/span><\/p>\n

P\u00ebrdorimi i nj\u00eb standardi t\u00eb dyfisht\u00eb t\u00eb raportimit financiar prej vitesh \u00ebsht\u00eb nj\u00eb shqet\u00ebsim p\u00ebr sektorin bankar n\u00eb Shqip\u00ebri. Aktualisht, bankat raportojn\u00eb p\u00ebr publikun, administrat\u00ebn tatimore dhe pal\u00ebt e tjera t\u00eb interesit sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar (IFRS), q\u00eb jan\u00eb standardi i p\u00ebrcaktuar me ligj p\u00ebr k\u00ebt\u00eb kategori biznesi. Por, ato raportojn\u00eb paralelisht edhe sipas standardeve lokale t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr q\u00ebllime t\u00eb mbik\u00ebqyrjes bankare.<\/span><\/p>\n

N\u00ebp\u00ebrmjet Shoqat\u00ebs s\u00eb Bankave, bankat tregtare i kan\u00eb p\u00ebrcjell\u00eb disa her\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb me k\u00ebmb\u00ebngulje k\u00ebrkes\u00ebn p\u00ebr t\u00eb kaluar n\u00eb nj\u00eb sistem raportimi unik, sipas standardit ligjor, IFRS. N\u00eb fakt, unifikimin e raportimit t\u00eb bankave sipas standardeve IFRS, edhe p\u00ebr q\u00ebllime t\u00eb mbik\u00ebqyrjes ka qen\u00eb n\u00eb planet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb prej shum\u00eb vitesh, por procesi ka kaluar n\u00eb disa shtyrje.<\/span><\/p>\n

Shqip\u00ebria \u00ebsht\u00eb nj\u00eb nga vendet e pakta n\u00eb Europ\u00eb ku raportimi financiar p\u00ebr q\u00ebllime t\u00eb mbik\u00ebqyrjes b\u00ebhet sipas nj\u00eb standardi t\u00eb ve\u00e7ant\u00eb lokal. P\u00ebrve\u00e7 nevoj\u00ebs p\u00ebr nj\u00eb raportim t\u00eb dyfisht\u00eb, q\u00eb p\u00ebrb\u00ebn kosto shtes\u00eb, problemi kryesor q\u00eb kan\u00eb bankat \u00ebsht\u00eb natyra tejet konservatore e standardeve lokale t\u00eb mbik\u00ebqyrjes.<\/span><\/p>\n

Standardet lokale q\u00eb aplikohen nga Banka e Shqip\u00ebris\u00eb kan\u00eb nj\u00eb qasje m\u00eb t\u00eb ngurt\u00eb dhe konservatore sidomos n\u00eb klasifikimin e kredive me probleme, n\u00eb llogaritjen e provigjioneve dhe n\u00eb njohjen e teknikave p\u00ebr zbutjen e rrezikut t\u00eb kredis\u00eb. Kjo b\u00ebn q\u00eb n\u00eb shumic\u00ebn e rasteve fitimet e bankave sipas standardeve lokale t\u00eb jen\u00eb m\u00eb t\u00eb ul\u00ebta krahasuar me ato q\u00eb llogariten sipas IFRS-ve.<\/span><\/p>\n

Megjith\u00ebse standardi ligjor i raportimit jan\u00eb IFRS-t\u00eb, standardet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb jan\u00eb p\u00ebrcaktuese p\u00ebr sa i takon parametrave rregullator\u00eb q\u00eb bankat duhet t\u00eb p\u00ebrmbushin, duke filluar nga treguesi ky\u00e7 i mjaftueshm\u00ebris\u00eb s\u00eb kapitalit. Rrjedhimisht, edhe fitimi efektiv q\u00eb bankat mund t\u00eb shp\u00ebrndajn\u00eb si dividend p\u00ebr aksionar\u00ebt b\u00ebhet bazuar mbi standardet lokale t\u00eb mbik\u00ebqyrjes.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Banka e Shqip\u00ebris\u00eb po p\u00ebrgatit rishikimin e plot\u00eb t\u00eb kuadrit t\u00eb administrimit t\u00eb rrezikut p\u00ebr sektorin bankar, p\u00ebr ta p\u00ebrshtatur at\u00eb me standardet e reja dhe me praktik\u00ebn e ndjekur nga institucionet mbik\u00ebqyr\u00ebse europiane. N\u00eb raportimin e tij p\u00ebr Kuvendin e Shqip\u00ebris\u00eb jav\u00ebn e kaluar, Guvernatori, Gent Sejko, tha se k\u00ebto ndryshime do t\u00eb b\u00ebhen […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":743431,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-769243","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\/769243","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=769243"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/769243\/revisions"}],"predecessor-version":[{"id":769244,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/769243\/revisions\/769244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/743431"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=769243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=769243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=769243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}