Rritja e interesave nga Banka e Shqip\u00ebris\u00eb gjat\u00eb vitit t\u00eb kaluar duket se ka ndihmuar bankat e nivelit t\u00eb dyt\u00eb n\u00eb Shqip\u00ebri t\u00eb realizojn\u00eb fitime rekord prej gati 280 milion\u00eb eurosh, shif\u00ebr e barabart\u00eb me 1.2% t\u00eb Prodhimit t\u00eb Brendsh\u00ebm Bruto.<\/p>\n
Bankat\u00a0n\u00eb Shqip\u00ebri realizuan fitime neto n\u00eb mas\u00ebn 28.5 miliard\u00eb lek\u00eb [rreth 280 milion\u00eb euro] gjat\u00eb vitit 2023, b\u00ebhet e ditur nga t\u00eb dh\u00ebnat e publikuara nga\u00a0Shoqata e Bankave. Fitimet e vitit t\u00eb kaluar p\u00ebrb\u00ebjn\u00eb nj\u00eb rekord absolut historik si n\u00eb vetvete, ashtu edhe n\u00eb raport me kapitalin aksioner apo n\u00eb raport me asetet, gj\u00eb q\u00eb do t\u00eb thot\u00eb se bankat jan\u00eb n\u00eb gjendje t\u00eb vjelin m\u00eb shum\u00eb fitime neto p\u00ebrkundrejt parave t\u00eb investuara n\u00eb k\u00ebto sip\u00ebrmarrje apo parave t\u00eb menaxhuara nga k\u00ebto sip\u00ebrmarrje. Rezultati i jasht\u00ebzakonsh\u00ebm duket se i detyrohet fitimeve t\u00eb shtuara nga rritja e normave baz\u00eb t\u00eb interesit n\u00eb Shqip\u00ebri, t\u00eb cilat, gjat\u00eb dy viteve t\u00eb fundit, jan\u00eb shoq\u00ebruar me nj\u00eb rritje edhe m\u00eb t\u00eb lart\u00eb n\u00eb normat e interesit t\u00eb titujve t\u00eb borxhit publik, ku bankat kontrollojn\u00eb pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb tregut.<\/p>\n
N\u00eb Shqip\u00ebri kryejn\u00eb aktivitet nj\u00ebmb\u00ebdhjet\u00eb banka, t\u00eb cilat kan\u00eb bashk\u00ebrisht asete n\u00eb mas\u00ebn 1.96 trilion\u00eb lek\u00eb [rreth 19 miliard\u00eb euro]. Bankat m\u00eb t\u00eb m\u00ebdha n\u00eb vend sa i p\u00ebrket aseteve jan\u00eb BKT,\u00a0Credins,\u00a0Raiffeisen\u00a0dhe\u00a0Intesa San Paolo\u00a0Bank.<\/p>\n
Sa i p\u00ebrket tregut t\u00eb kredive, Credins \u00ebsht\u00eb banka m\u00eb e madhe pasuar nga Raiffeisen dhe BKT. N\u00eb tregun e titujve, ku dominojn\u00eb n\u00eb m\u00ebnyr\u00eb d\u00ebrrmuese titujt e borxhit publik, BKT renditet e para me 38%, pasuar nga Raiffeisen me 13% dhe Credins me 12%. N\u00eb tregun e depozitave, BKT \u00ebsht\u00eb m\u00eb e madhja me 25%, pasuar nga Credins me 17% dhe Raiffeisen me 16%.<\/p>\n
Fitime rekord<\/strong><\/p>\n T\u00eb dh\u00ebnat e raportuara nga Shoqata e Bankave, nj\u00eb grup lobimi me an\u00ebtar\u00eb vet\u00eb bankat, tregojn\u00eb se t\u00eb nj\u00ebmb\u00ebdhjet\u00eb bankat e nivelit t\u00eb dyt\u00eb e mbyll\u00ebn vitin e kaluar me fitime, nd\u00ebrsa bankat mbyll\u00ebn deg\u00eb apo agjenci dhe rrit\u00ebn numrin e punonj\u00ebsve. Asetet e menaxhuara nga bankat u rrit\u00ebn me 5% gjat\u00eb vitit t\u00eb kaluar, kapitali aksioner u rrit me 8%, nd\u00ebrsa fitimet u rrit\u00ebn me 19%. (N\u00eb shifrat e aseteve duhet t\u00eb kihet parasysh shkalla e rritjes \u00ebsht\u00eb ndikuar nga efekti i kursit t\u00eb k\u00ebmbimit, ku, p\u00ebr shkak se llogarit\u00eb mbahen n\u00eb lek\u00eb, asetet n\u00eb valut\u00eb t\u00eb huaj konvertohen n\u00eb m\u00eb pak lek\u00eb).<\/p>\n Bankat realizuan bashk\u00ebrisht nj\u00eb norm\u00eb kthimi mbi kapitalin aksioner n\u00eb mas\u00ebn 22% gjat\u00eb vitit t\u00eb kaluar, nga 14.2% q\u00eb ishte n\u00eb vitin 2022 dhe m\u00eb pak se 10% q\u00eb ishte n\u00eb dekad\u00ebn paraardh\u00ebse. Pjesa m\u00eb e madhe e fitimeve i takoi BKT me 23.4%, pasuar nga Raiffeisen me 22.8% dhe OTP Albania me 11.7%. N\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme, kthimet mbi asetet ishin 2.2% vitin e kaluar nga 1.3% q\u00eb ishin n\u00eb vitin 2022.<\/p>\n Fitimet e shtuara t\u00eb bankave duket se kan\u00eb ardhur n\u00eb pjes\u00ebn m\u00eb t\u00eb madhe nga rritja e interesave t\u00eb borxhit publik. Bonot e thesarit 12 mujore, t\u00eb cilat p\u00ebrb\u00ebjn\u00eb nj\u00eb pjes\u00eb thelb\u00ebsore t\u00eb t\u00eb gjith\u00eb titujve t\u00eb borxhit publik n\u00eb Shqip\u00ebri, pat\u00ebn mesatarisht nj\u00eb interes prej 3.6% vitin e kaluar, nga 3.2 n\u00eb vitin 2022 dhe 1.76 n\u00eb vitin 2021. Rritja e interesave t\u00eb borxhit publik ka r\u00ebnd\u00ebsi vendimtare p\u00ebr fitimet e bankave p\u00ebr shkak se n\u00eb tituj, bankat investojn\u00eb 40% t\u00eb t\u00eb gjitha aseteve t\u00eb tyre.<\/p>\n Normat e interesit n\u00eb ekonomi u rrit\u00ebn me synimin p\u00ebr t\u00eb luftuar inflacionin. Sipas teoris\u00eb, kur BSH rrit interesat baz\u00eb, interesat e kredive dhe t\u00eb depozitave rriten, duke diskurajuar kreditor\u00ebt t\u00eb marrin borxh dhe duke nxitur kursimtar\u00ebt t\u00eb depozitojn\u00eb, duke ulur sasin\u00eb e paras\u00eb n\u00eb qarkullim dhe rrjedhimisht, duke ftohur k\u00ebrkes\u00ebn p\u00ebr mallra e sh\u00ebrbime dhe duke ngadal\u00ebsuar rritjen e \u00e7mimeve.<\/p>\n Gjithsesi, t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe Shoqat\u00ebs s\u00eb Bankave tregojn\u00eb se rritja e interesave ka qen\u00eb shum\u00eb e fort\u00eb te borxhi publik, nd\u00ebrsa ka qen\u00eb jo aq e madhe n\u00eb tregun e kredive dhe akoma m\u00eb e vog\u00ebl n\u00eb at\u00eb t\u00eb depozitave. K\u00ebshtu, nd\u00ebrsa interesat e titujve afatshkurt\u00ebr t\u00eb borxhit publik jan\u00eb dyfishuar, interesi i kredis\u00eb n\u00eb lek\u00eb n\u00eb fund t\u00eb dhjetorit p\u00ebr segmentin e huamarr\u00ebsve individ\u00eb ishte 6.4%, me nj\u00eb rritje t\u00eb leht\u00eb p\u00ebrkundrejt dhjetorit t\u00eb vitit 2021, pra periudh\u00ebs para fillimit t\u00eb rritjes s\u00eb interesave, kur ishte 6.15%.<\/p>\n Diskordanca, pra rritja tep\u00ebr e shpejt\u00eb e interesave t\u00eb borxhit p\u00ebrkundrejt rritjes s\u00eb pakt\u00eb t\u00eb interesave t\u00eb kredive dhe t\u00eb depozitave, tregon se konkurrenca n\u00eb tregun e borxhit publik \u00ebsht\u00eb shum\u00eb disfunksionale n\u00eb krahasim me tregun e kredive. Ky dekfet n\u00eb treg nuk sjell vet\u00ebm fitime t\u00eb majme p\u00ebr bankat, por n\u00eb instanc\u00eb finale sjell edhe rritje t\u00eb ngadalt\u00eb t\u00eb ekonomis\u00eb, p\u00ebr shkak se parat\u00eb t\u00eb cilat bankat do t\u00eb duhej t’i rrezikonin n\u00eb kreditimin e ekonomis\u00eb s\u00eb gjer\u00eb, i depozitojn\u00eb n\u00eb borxhin publik pa rrezik dhe me interesa edhe m\u00eb t\u00eb larta nga sa do t\u00eb fitonin n\u00eb sektorin me rrezik m\u00eb t\u00eb lart\u00eb t\u00eb kreditimit t\u00eb biznesit apo t\u00eb individ\u00ebve. \/BIRN<\/p>\n","protected":false},"excerpt":{"rendered":" Rritja e interesave nga Banka e Shqip\u00ebris\u00eb gjat\u00eb vitit t\u00eb kaluar duket se ka ndihmuar bankat e nivelit t\u00eb dyt\u00eb n\u00eb Shqip\u00ebri t\u00eb realizojn\u00eb fitime rekord prej gati 280 milion\u00eb eurosh, shif\u00ebr e barabart\u00eb me 1.2% t\u00eb Prodhimit t\u00eb Brendsh\u00ebm Bruto. Bankat\u00a0n\u00eb Shqip\u00ebri realizuan fitime neto n\u00eb mas\u00ebn 28.5 miliard\u00eb lek\u00eb [rreth 280 milion\u00eb euro] …<\/p>\n","protected":false},"author":3,"featured_media":70949,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-70948","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/70948","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=70948"}],"version-history":[{"count":0,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/70948\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/70949"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=70948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=70948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=70948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}