Forcimi i lekut dhe stanjacioni i depozitave e kan\u00eb frenuar rritjen e sektorit bankar n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, totali i aktiveve t\u00eb sektorit bankar n\u00eb fund t\u00eb muajit maj kishte vler\u00ebn e 1.9 trilion\u00eb lek\u00ebve, rreth 8 miliard\u00eb lek\u00eb m\u00eb pak krahasuar me fundin e vitit t\u00eb kaluar.\u00a0 Megjithat\u00eb, me baz\u00eb vjetore bilanci i sektorit bankar ka vijuar t\u00eb rritet, me 4% m\u00eb shum\u00eb krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit 2022.<\/p>\n
Mes fundit t\u00eb vitit 2022 dhe fundit t\u00eb muajit maj, kursi i k\u00ebmbimit Euro-Lek ka p\u00ebsuar r\u00ebnie me 4%, duke ndikuar n\u00eb uljen e vler\u00ebs s\u00eb aktiveve n\u00eb monedh\u00ebn europiane t\u00eb sektorit bankar.<\/p>\n
Tendenc\u00eb t\u00eb ngjashme n\u00eb r\u00ebnie ka sh\u00ebnuar edhe Dollari Amerikan.<\/p>\n
Aktivet n\u00eb valut\u00eb t\u00eb huaj jan\u00eb mbizot\u00ebrues n\u00eb struktur\u00ebn e aseteve t\u00eb sektorit bankar, me m\u00eb shum\u00eb se 53% t\u00eb totalit.<\/p>\n
Portofoli bruto i kredis\u00eb (pa zbritur provigjionet p\u00ebr kredit\u00eb me probleme) n\u00eb fund t\u00eb muajit maj kishte vler\u00ebn e 744.3 miliard\u00eb lek\u00ebve. Kjo shif\u00ebr p\u00ebrfaq\u00ebson r\u00ebnie prej 1.1% krahasuar me fundin e vitit 2022, por megjithat\u00eb vlera e portofolit ngelet n\u00eb rritje me 1% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/p>\n
T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kan\u00eb treguar se n\u00eb segmente t\u00eb ve\u00e7anta kreditimi i ekonomis\u00eb po vazhdon t\u00eb rritet, pavar\u00ebsisht kushteve m\u00eb t\u00eb shtr\u00ebnguara monetare. Megjithat\u00eb, n\u00eb t\u00ebr\u00ebsi, ngadal\u00ebsimi i kredis\u00eb s\u00eb re dhe efekti negativ i kursit t\u00eb k\u00ebmbimit e kan\u00eb frenuar ndjesh\u00ebm rritjen e portofolit t\u00eb kredis\u00eb.<\/p>\n
Nga ana tjet\u00ebr, kjo reflekton edhe nj\u00eb zhvendosje t\u00eb fokusit drejt investimeve me rrezik m\u00eb t\u00eb ul\u00ebt, kryesisht tek letrat me vler\u00eb. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, portofoli i letrave me vler\u00eb t\u00eb sektorit bankar n\u00eb fund t\u00eb muajit maj arriti n\u00eb 724.4 miliard\u00eb lek\u00eb, n\u00eb rritje me 3.7% q\u00eb nga fillimi i vitit dhe me 10.4% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/p>\n
Rritja e normave t\u00eb interesit ka b\u00ebr\u00eb q\u00eb bankat tregtare t\u00eb rrisin ndjesh\u00ebm investimet n\u00eb letra me vler\u00eb, si n\u00eb instrumentet e borxhit t\u00eb qeveris\u00eb shqiptare, ashtu edhe n\u00eb ato emetuesve jorezident\u00eb.<\/p>\n
Vala inflacioniste e vitit t\u00eb kaluar solli nj\u00eb frenim n\u00eb ritmet e rritjes s\u00eb depozitave bankare. Depozitat u rrit\u00ebn kryesisht n\u00eb Euro, nd\u00ebrsa ato n\u00eb Lek\u00eb prej m\u00eb shum\u00eb se nj\u00eb viti kan\u00eb ecuri stanjative. Inflacioni i lart\u00eb e tkurri aft\u00ebsin\u00eb e familjeve p\u00ebr t\u00eb kursyer, nd\u00ebrkoh\u00eb q\u00eb nj\u00eb ndikim pati edhe konkurrenca nga yield-et e larta t\u00eb bonove dhe obligacioneve qeveritare.<\/p>\n
Nd\u00ebrkoh\u00eb, segmenti i depozitave n\u00eb Euro ka vazhduar t\u00eb rritet, por \u00ebsht\u00eb ndikuar negativisht nga efekti i kursit t\u00eb k\u00ebmbimit. Duke qen\u00eb se depozitat jan\u00eb burimi kryesor i financimit t\u00eb aktivitetit nd\u00ebrmjet\u00ebsues t\u00eb sektorit bankar shqiptar, r\u00ebnia e tyre ka frenuar potencialet e rritjes s\u00eb sektorit. N\u00eb fund t\u00eb muajit maj, totali i depozitave bankare kishte vler\u00ebn e 1.513 trilion\u00eb lek\u00ebve, n\u00eb r\u00ebnie me rreth 5 miliard\u00eb lek\u00eb q\u00eb nga fillimi i vitit.\/MONITOR<\/a><\/p>\n","protected":false},"excerpt":{"rendered":" Forcimi i lekut dhe stanjacioni i depozitave e kan\u00eb frenuar rritjen e sektorit bankar n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, totali i aktiveve t\u00eb sektorit bankar n\u00eb fund t\u00eb muajit maj kishte vler\u00ebn e 1.9 trilion\u00eb lek\u00ebve, rreth 8 miliard\u00eb lek\u00eb m\u00eb pak krahasuar me fundin e …<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-52235","post","type-post","status-publish","format-standard","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/52235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=52235"}],"version-history":[{"count":0,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/52235\/revisions"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=52235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=52235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=52235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}