{"id":11056,"date":"2019-05-07T08:00:54","date_gmt":"2019-05-07T06:00:54","guid":{"rendered":"http:\/\/redaktori.com\/?p=11056"},"modified":"2019-05-07T08:05:51","modified_gmt":"2019-05-07T06:05:51","slug":"raporti-gjysma-e-kredive-te-keqija-fshihen-nga-bilanci","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=11056","title":{"rendered":"Raporti\/ Gjysma e kredive t\u00eb k\u00ebqija fshihen nga bilancet"},"content":{"rendered":"<p>Q\u00eb nga viti 2015 deri n\u00eb fund t\u00eb 2018-\u00ebs bankat kan\u00eb fshir\u00eb nga bilancet 46 p\u00ebr qind t\u00eb kredive t\u00eb k\u00ebqija ose 55 miliard\u00eb lek\u00eb (440 milion\u00eb euro).<\/p>\n<p>Banka e Shqip\u00ebris\u00eb raportoi se, gjasht\u00ebmujorit t\u00eb dyt\u00eb t\u00eb vitit 2018 kredia me probleme ra me gati 17% n\u00eb nivelin 64 miliard\u00eb lek\u00eb. Si rezultat, raporti i kredive me probleme zbriti n\u00eb nivelin 11.1% t\u00eb stokut t\u00eb kredis\u00eb, duke qen\u00eb rreth 2.2 pik\u00eb p\u00ebrqindjeje m\u00eb i ul\u00ebt se n\u00eb fund t\u00eb gjysm\u00ebs s\u00eb par\u00eb t\u00eb vitit.<\/p>\n<div id=\"sovrn\" class=\"desktop_ad ad_bottom_space\">\n<div id=\"onetag-wrapper-3\" class=\"sovrn-onetag-ad\">Sipas kontributit, n\u00eb r\u00ebnien e kredive me probleme kan\u00eb ndikuar shlyerjet (p\u00ebr gati 17.6 miliard\u00eb lek\u00eb), fshirjet e kredive t\u00eb humbura (p\u00ebr gati 4.5 miliard\u00eb lek\u00eb) dhe ristrukturimet. Q\u00eb prej fillimit t\u00eb vitit 2015, vler\u00ebsohet se bankat kan\u00eb larguar nga bilancet e tyre gati 55.5 miliard\u00eb lek\u00eb kredi t\u00eb humbura.<\/div>\n<\/div>\n<p>N\u00eb fund t\u00eb vitit 2018, kredit\u00eb me probleme zbrit\u00ebn n\u00eb 11.08% t\u00eb totalit, duke u ulur ndjesh\u00ebm n\u00eb krahasim me rekordin e 25% q\u00eb arrit\u00ebn n\u00eb shtator 2014. N\u00eb vler\u00eb absolute, kredit\u00eb q\u00eb kan\u00eb m\u00eb shum\u00eb se 3 muaj q\u00eb nuk kthehen n\u00eb banka ishin 59 miliard\u00eb lek\u00eb fund t\u00eb 2018-s. Pa fshirjen, niveli i tyre do ishte 114 miliard\u00eb lek\u00eb, ose 21.4% e stokut total t\u00eb huas\u00eb n\u00eb dhjetor 2018.<\/p>\n<p>Pak\u00ebsimi i kredive me probleme \u00ebsht\u00eb shoq\u00ebruar me uljen m\u00eb t\u00eb shpejt\u00eb t\u00eb rezervave p\u00ebr rrezikun e kredis\u00eb (provigjioneve), gj\u00eb q\u00eb ka sjell\u00eb uljen e raportit t\u00eb mbulimit t\u00eb tyre me provigjione me rreth 0.8 pik\u00eb p\u00ebrqindje, n\u00eb nivelin\u00a0 5.6%.<\/p>\n<p>Pavar\u00ebsisht r\u00ebnies s\u00eb raportit t\u00eb mbulimit me provigjione, mbulimi me kapital i kredive me probleme neto \u00ebsht\u00eb p\u00ebrmir\u00ebsuar. Mbulimi me kolateral mbetet gjithashtu n\u00eb nivele t\u00eb larta.<\/p>\n<p>&nbsp;<\/p>\n<p>Banka e Shqip\u00ebris\u00eb v\u00ebren se megjith\u00eb p\u00ebrmir\u00ebsimin, \u00ebsht\u00eb e nevojshme q\u00eb bankat t\u00eb ruajn\u00eb ritmet e uljes s\u00eb kredive me probleme. Kjo \u00ebsht\u00eb ve\u00e7an\u00ebrisht e r\u00ebnd\u00ebsishme p\u00ebr ato banka p\u00ebr t\u00eb cilat niveli i kredive me probleme \u00ebsht\u00eb mbi mesataren e sektorit. Vlerat e ark\u00ebtimeve t\u00eb kredive me probleme paraqiten n\u00eb nivele t\u00eb mira, duke evidentuar p\u00ebrpjekjet e bankave p\u00ebr ark\u00ebtimin e tyre dhe duke forcuar q\u00ebndrueshm\u00ebrin\u00eb e prirjes r\u00ebn\u00ebse t\u00eb kredive me probleme.<\/p>\n<p>Mbi\u00e7mimi i kursit t\u00eb k\u00ebmbimit dhe normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit kan\u00eb ndikuar n\u00eb p\u00ebrmir\u00ebsimin e aft\u00ebsis\u00eb paguese t\u00eb huamarr\u00ebsve. Banka e Shqip\u00ebris\u00eb v\u00eb n\u00eb dukje se dy vitet e fundit flukset nga klasat performuese, drejt atyre joperformuese, kan\u00eb qen\u00eb relativisht t\u00eb q\u00ebndrueshme. Kjo ecuri evidenton nevoj\u00ebn p\u00ebr ruajtjen e kujdesit n\u00eb procesin e dh\u00ebnies dhe monitorimit t\u00eb kredis\u00eb\/Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Q\u00eb nga viti 2015 deri n\u00eb fund t\u00eb 2018-\u00ebs bankat kan\u00eb fshir\u00eb nga bilancet 46 p\u00ebr qind t\u00eb kredive t\u00eb k\u00ebqija ose 55 miliard\u00eb lek\u00eb (440 milion\u00eb euro). Banka e Shqip\u00ebris\u00eb raportoi se, gjasht\u00ebmujorit t\u00eb dyt\u00eb t\u00eb vitit 2018 kredia me probleme ra me gati 17% n\u00eb nivelin 64 miliard\u00eb lek\u00eb. Si rezultat, raporti i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[8,3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Raporti\/ Gjysma e kredive t\u00eb k\u00ebqija fshihen nga bilancet - Informohu qart\u00ebsisht!<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redaktori.com\/?p=11056\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Raporti\/ Gjysma e kredive t\u00eb k\u00ebqija fshihen nga bilancet - Informohu qart\u00ebsisht!\" \/>\n<meta property=\"og:description\" content=\"Q\u00eb nga viti 2015 deri n\u00eb fund t\u00eb 2018-\u00ebs bankat kan\u00eb fshir\u00eb nga bilancet 46 p\u00ebr qind t\u00eb kredive t\u00eb k\u00ebqija ose 55 miliard\u00eb lek\u00eb (440 milion\u00eb euro). Banka e Shqip\u00ebris\u00eb raportoi se, gjasht\u00ebmujorit t\u00eb dyt\u00eb t\u00eb vitit 2018 kredia me probleme ra me gati 17% n\u00eb nivelin 64 miliard\u00eb lek\u00eb. 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