{"id":778490,"date":"2025-12-25T09:07:56","date_gmt":"2025-12-25T08:07:56","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=778490"},"modified":"2025-12-25T09:07:56","modified_gmt":"2025-12-25T08:07:56","slug":"fmn-tregu-i-pasurive-te-paluajtshme-po-mbinxehet-bankat-te-bejne-kujdes","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/12\/25\/fmn-tregu-i-pasurive-te-paluajtshme-po-mbinxehet-bankat-te-bejne-kujdes\/","title":{"rendered":"FMN: Tregu i pasurive t\u00eb paluajtshme po mbinxehet, bankat t\u00eb b\u00ebjn\u00eb kujdes","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Rritja e p\u00ebrshpejtuar e kreditimit nga bankat shqiptare sinjalizon nj\u00eb faz\u00eb zgjerimi t\u00eb ciklit financiar q\u00eb k\u00ebrkon vigjilenc\u00eb, vuri n\u00eb dukje Fondi Monetar Nd\u00ebrkomb\u00ebtare n\u00eb dokumentin e fundit mbi rishikimin e marr\u00ebveshjes me Shqip\u00ebrin\u00eb.<\/span><\/p>\n

Normat e rritjes s\u00eb kreditimit ishin dyshifrore n\u00eb vitet 2023 dhe 2024, me rritje ve\u00e7an\u00ebrisht t\u00eb shpejta n\u00eb huadh\u00ebnien p\u00ebr pasuri t\u00eb paluajtshme. Nd\u00ebrsa k\u00ebto prirje mb\u00ebshtesin aktivitetin ekonomik afatshkurt\u00ebr, ato gjithashtu ngren\u00eb shqet\u00ebsime p\u00ebr rrezik sistemik ciklik dhe mbinxehje t\u00eb tregut t\u00eb pasurive t\u00eb paluajtshme, njoftoi institucioni financiar nd\u00ebrkomb\u00ebtar.<\/span><\/p>\n

Analiza tregon se sektori bankar shqiptar ka shfaqur p\u00ebrfitueshm\u00ebri dhe q\u00ebndrueshm\u00ebri t\u00eb fort\u00eb. Kthimi mbi aktivet (RoA) dhe kthimi mbi kapitalin (RoE) i bankave shqiptare u pozicionua mbi mesataret e tyre historike n\u00eb vitet 2023 dhe 2024. Mjaftueshm\u00ebria e kapitalit n\u00eb nivel sistemi mbetet e fort\u00eb, me raportin total t\u00eb kapitalit mbi 19 p\u00ebr qind, duksh\u00ebm mbi k\u00ebrkes\u00ebn mesatare t\u00eb p\u00ebrgjithshme p\u00ebr kapital.<\/span><\/p>\n

FMN v\u00eb n\u00eb dukje se fitimet e larta dhe kapaciteti i mir\u00eb i gjenerimit t\u00eb kapitalit tregojn\u00eb se sektori bankar \u00ebsht\u00eb i aft\u00eb t\u00eb p\u00ebrballoj\u00eb nj\u00eb rritje modeste t\u00eb norm\u00ebs baz\u00eb t\u00eb rezerv\u00ebs kund\u00ebrciklike\u00a0 pa shkaktuar shtr\u00ebngim t\u00eb tepruar t\u00eb kreditimit apo rritje t\u00eb kostove t\u00eb huadh\u00ebnies.<\/span><\/p>\n

Fondi Monetar Nd\u00ebrkomb\u00ebtar vler\u00ebson se m\u00ebnyra se si Banka e Shqip\u00ebris\u00eb vendos sot p\u00ebr shtes\u00ebn kund\u00ebrciklike t\u00eb kapitalit p\u00ebr bankat \u00ebsht\u00eb tep\u00ebr e ngurt\u00eb dhe reagon me vones\u00eb ndaj problemeve financiare. Sipas FMN-s\u00eb, metodologjia aktuale \u00ebsht\u00eb e nd\u00ebrtuar kryesisht mbi humbjet e realizuara dhe jo mbi sinjale t\u00eb hershme t\u00eb stresit financiar q\u00eb po krijohet n\u00eb sistem.<\/span><\/p>\n

Sipas rregullave n\u00eb fuqi, Banka e Shqip\u00ebris\u00eb merr vendim p\u00ebr lirimin e shtes\u00ebs kund\u00ebrciklike vet\u00ebm pasi shfaqen shenja t\u00eb forta t\u00eb kriz\u00ebs, si rritja e kredive me probleme, humbje t\u00eb bankave, g\u00ebrryerje e kapitalit apo kufizime t\u00eb kreditimit p\u00ebr shkak t\u00eb munges\u00ebs s\u00eb kapitalit. FMN thekson se k\u00ebta tregues shfaqen zakonisht disa muaj pas nisjes s\u00eb nj\u00eb episodi stresi financiar, \u00e7ka do t\u00eb thot\u00eb se mb\u00ebshtetja p\u00ebr sektorin bankar vjen relativisht von\u00eb.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb kontekst, FMN rekomandon q\u00eb Banka e Shqip\u00ebris\u00eb t\u00eb rishikoj\u00eb metodologjin\u00eb dhe ta b\u00ebj\u00eb at\u00eb m\u00eb fleksibile, n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb reagoj\u00eb m\u00eb her\u00ebt kur shfaqen tensione n\u00eb sistemin financiar.<\/span><\/p>\n

Shqip\u00ebria ka nd\u00ebrmarr\u00eb hapat e par\u00eb drejt k\u00ebsaj mase n\u00eb vitin 2025, duke vendosur p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb k\u00ebrkes\u00eb kund\u00ebrciklike pozitive p\u00ebr kapitalin e bankave, 0.25% nga qershori 2025 dhe 0.5% nga dhjetori 2025.<\/span><\/p>\n

Dokumenti paralajm\u00ebron se rritja e shpejt\u00eb e kreditimit, ve\u00e7an\u00ebrisht n\u00eb sektorin e pasurive t\u00eb paluajtshme, po sinjalizon hyrjen e ekonomis\u00eb n\u00eb nj\u00eb faz\u00eb zgjerimi t\u00eb ciklit financiar. Kredia \u00ebsht\u00eb rritur me ritme dyshifrore n\u00eb vitet e fundit, e nxitur nga nd\u00ebrtimi dhe turizmi.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb kontekst, FMN vler\u00ebson se nj\u00eb mas\u00eb kund\u00ebrciklike e nd\u00ebrtuar paraprakisht do t\u00eb sh\u00ebrbente si mekaniz\u00ebm mbrojt\u00ebs jo vet\u00ebm ndaj rreziqeve t\u00eb brendshme, por edhe ndaj goditjeve t\u00eb jashtme, p\u00ebrfshir\u00eb luhatjet e kursit t\u00eb k\u00ebmbimit dhe p\u00ebrkeq\u00ebsimin e kushteve financiare nd\u00ebrkomb\u00ebtare.<\/span><\/p>\n

Bazuar n\u00eb analiza historike, teste stresi dhe vler\u00ebsim ekspert\u00ebsh, FMN sugjeron se nj\u00eb rezerv\u00eb sigurie n\u00eb intervalin 1\u20132% t\u00eb kapitalit.\/ Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Rritja e p\u00ebrshpejtuar e kreditimit nga bankat shqiptare sinjalizon nj\u00eb faz\u00eb zgjerimi t\u00eb ciklit financiar q\u00eb k\u00ebrkon vigjilenc\u00eb, vuri n\u00eb dukje Fondi Monetar Nd\u00ebrkomb\u00ebtare n\u00eb dokumentin e fundit mbi rishikimin e marr\u00ebveshjes me Shqip\u00ebrin\u00eb. Normat e rritjes s\u00eb kreditimit ishin dyshifrore n\u00eb vitet 2023 dhe 2024, me rritje ve\u00e7an\u00ebrisht t\u00eb shpejta n\u00eb huadh\u00ebnien p\u00ebr pasuri […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":778491,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-778490","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\/778490","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=778490"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/778490\/revisions"}],"predecessor-version":[{"id":778492,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/778490\/revisions\/778492"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/778491"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=778490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=778490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=778490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}