{"id":803353,"date":"2026-05-28T10:04:37","date_gmt":"2026-05-28T08:04:37","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=803353"},"modified":"2026-05-28T10:04:37","modified_gmt":"2026-05-28T08:04:37","slug":"sektori-bankar-uli-perqendrimin-ne-segmentin-e-biznesit-ne-vitin-2025","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2026\/05\/28\/sektori-bankar-uli-perqendrimin-ne-segmentin-e-biznesit-ne-vitin-2025\/","title":{"rendered":"Sektori bankar uli p\u00ebrqendrimin n\u00eb segmentin e biznesit n\u00eb vitin 2025","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"Kredia p\u00ebr biznesin p\u00ebrb\u00ebn pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb portofolit t\u00eb kredis\u00eb s\u00eb sektorit bankar, por pesha e k\u00ebtij segmenti p\u00ebsoi p\u00ebrs\u00ebri r\u00ebnie gjat\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Shoqata Shqiptare e Bankave, n\u00eb fund t\u00eb vitit 2025 kredia n\u00eb segmentin e biznesit p\u00ebrb\u00ebnte 61.5% t\u00eb portofolit t\u00eb kredis\u00eb s\u00eb sektorit bankar, nga rreth 63.3% q\u00eb p\u00ebrb\u00ebnte n\u00eb fund t\u00eb vitit 2024.<\/span><\/p>\n

R\u00ebnia e pesh\u00ebs s\u00eb segmentit t\u00eb biznesit ka ardhur kryesisht p\u00ebr shkak t\u00eb rritjes m\u00eb t\u00eb shpejt\u00eb t\u00eb kredis\u00eb n\u00eb segmentin retail n\u00eb vitet e fundit dhe kryesisht t\u00eb kredis\u00eb p\u00ebr individ\u00ebt dhe familjet.<\/span><\/p>\n

Ve\u00e7an\u00ebrisht kredia p\u00ebr blerjen e banesave, por paralelisht edhe kredia konsumatore \u00ebsht\u00eb rritur me ritme t\u00eb larta, duke b\u00ebr\u00eb q\u00eb pesha specifike e portofolit t\u00eb individ\u00ebve t\u00eb vij\u00eb n\u00eb rritje.<\/span><\/p>\n

Sidoqoft\u00eb, bizneset vazhdojn\u00eb t\u00eb gjenerojn\u00eb sasin\u00eb m\u00eb t\u00eb madhe volumeve t\u00eb kreditimit t\u00eb sektorit bankar shqiptar. N\u00eb munges\u00eb t\u00eb zhvillimit t\u00eb burs\u00ebs dhe instrumenteve m\u00eb t\u00eb sofistikuara financiare, historikisht bizneset n\u00eb Shqip\u00ebri kan\u00eb p\u00ebrdorur kredin\u00eb bankare si alternativ\u00ebn kryesore t\u00eb financimit.<\/span><\/p>\n

N\u00eb ndarjen e tregut t\u00eb kredis\u00eb p\u00ebr biznesin sipas vler\u00ebs s\u00eb saj, kryeson Credins Bank, q\u00eb mban 22% t\u00eb totalit. Credins \u00ebsht\u00eb nj\u00ebkoh\u00ebsisht edhe banka m\u00eb e madhe kredituese e ekonomis\u00eb shqiptare n\u00eb total.<\/span><\/p>\n

Vijon Raiffeisen Bank Albania me 14% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr biznesin, Banka OTP Albania, me 13%, dhe Tirana Bank, me 11%. Me pjes\u00eb tregu posht\u00eb kufirit t\u00eb 10% vijojn\u00eb Banka Amerikane e Investimeve, me 9%, Intesa Sanpaolo Bank Albania, me 7%, ProCredit Bank, me 5%, Union Bank, me 4%, Banka e Par\u00eb e Investimeve Shqip\u00ebri, me 3% dhe Banka e Bashkuar e Shqip\u00ebris\u00eb (UBA), me 2% t\u00eb portofolit.<\/span><\/p>\n

Pesha e biznesit ndaj vler\u00ebs totale t\u00eb portofolit e kredis\u00eb ka diferenca t\u00eb konsiderueshme mes bankave t\u00eb ndryshme dhe q\u00ebndron n\u00eb intervalin mes 40% deri n\u00eb 80% t\u00eb portofolit.<\/span><\/p>\n

T\u00eb dh\u00ebnat e raportuara nga bankat n\u00eb Shoqat\u00ebn Shqiptare t\u00eb Bankave dhe q\u00eb bazohen n\u00eb standardet lokale mbik\u00ebqyr\u00ebse t\u00eb raportimit financiar tregojn\u00eb se banka me pesh\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb kredis\u00eb p\u00ebr biznesin n\u00eb portofolin e saj \u00ebsht\u00eb ProCredit Bank Shqip\u00ebri. N\u00eb fund t\u00eb vitit t\u00eb kaluar, m\u00eb shum\u00eb se 77% e tepric\u00ebs s\u00eb kredis\u00eb s\u00eb ProCredit i takonte bizneseve.<\/span><\/p>\n

Pesh\u00eb mjaft t\u00eb lart\u00eb t\u00eb kredis\u00eb p\u00ebr biznes n\u00eb struktur\u00ebn e portofolit vazhdon t\u00eb ket\u00eb edhe Credins Bank, me 76.5% t\u00eb totalit n\u00eb fund t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n

Banka e tret\u00eb p\u00ebr nga shkalla e p\u00ebrqendrimit tek segmenti i biznesit \u00ebsht\u00eb Banka Amerikane e Investimeve, me 74%, e ndjekur nga Banka e Bashkuar e Shqip\u00ebris\u00eb, me 68% dhe Tirana Bank, me af\u00ebrsisht 67%.<\/span><\/p>\n

P\u00ebr bankat e tjera, pesha e kredis\u00eb p\u00ebr biznesin \u00ebsht\u00eb m\u00eb e ul\u00ebt se mesatarja e sektorit, duke filluar nga Intesa Sanpaolo Bank Albania, me 61%, Banka OTP Albania, me af\u00ebrsisht 59%, Raiffeisen Bank Albania me rreth 56% dhe Banka e Par\u00eb e Investime Shqip\u00ebri (Fibank), me 53%.<\/span><\/p>\n

T\u00eb vetmet banka p\u00ebr t\u00eb cilat kredia p\u00ebr biznes p\u00ebrb\u00ebn m\u00eb pak se gjysm\u00ebn e portofolit t\u00eb kredis\u00eb jan\u00eb Banka Komb\u00ebtare Tregtare, me 46.5% dhe Union Bank me 44%, \u00e7ka tregon nj\u00eb fokus m\u00eb t\u00eb madh n\u00eb segmentin e kredis\u00eb retail.<\/span><\/p>\n

Sektori bankar shqiptar ka pasur historikisht nj\u00eb shkall\u00eb t\u00eb p\u00ebrqendrimi t\u00eb kredis\u00eb n\u00eb segmentin e bizneseve. Ky p\u00ebrqendrim u b\u00eb nj\u00eb nga shkaqet q\u00eb raporti i kredive me probleme pas kriz\u00ebs s\u00eb vitit 2008 arriti nivelet m\u00eb t\u00eb larta n\u00eb rajon, me m\u00eb shum\u00eb se 25%. Ndikimin m\u00eb t\u00eb madh n\u00eb k\u00ebt\u00eb rritje e dhan\u00eb pik\u00ebrisht kredit\u00eb e k\u00ebqija t\u00eb biznesit.<\/span><\/p>\n

Po t\u00eb kemi parasysh se zakonisht vlerat mesatare t\u00eb kredive p\u00ebr bizneset jan\u00eb m\u00eb t\u00eb m\u00ebdha se ato t\u00eb individ\u00ebve, nj\u00eb pesh\u00eb e lart\u00eb e bizneseve n\u00eb portofolin e kredis\u00eb mund t\u00eb jet\u00eb tregues i nj\u00eb p\u00ebrqendrimi m\u00eb t\u00eb lart\u00eb t\u00eb rrezikut, sidomos kur b\u00ebhet fjal\u00eb p\u00ebr biznesin e madh.\/Monitor<\/em><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kredia p\u00ebr biznesin p\u00ebrb\u00ebn pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb portofolit t\u00eb kredis\u00eb s\u00eb sektorit bankar, por pesha e k\u00ebtij segmenti p\u00ebsoi p\u00ebrs\u00ebri r\u00ebnie gjat\u00eb vitit t\u00eb kaluar. Sipas t\u00eb dh\u00ebnave nga Shoqata Shqiptare e Bankave, n\u00eb fund t\u00eb vitit 2025 kredia n\u00eb segmentin e biznesit p\u00ebrb\u00ebnte 61.5% t\u00eb portofolit t\u00eb kredis\u00eb s\u00eb sektorit bankar, nga […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":803354,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-803353","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\/803353","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=803353"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/803353\/revisions"}],"predecessor-version":[{"id":803355,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/803353\/revisions\/803355"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/803354"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=803353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=803353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=803353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}