{"id":7543,"date":"2019-04-05T08:16:30","date_gmt":"2019-04-05T06:16:30","guid":{"rendered":"http:\/\/redaktori.com\/?p=7543"},"modified":"2019-04-05T08:16:30","modified_gmt":"2019-04-05T06:16:30","slug":"asd-3-7-e-individeve-kane-56-te-totalit-te-depozitave-ne-banka","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=7543","title":{"rendered":"ASD: 3.7% e individ\u00ebve kan\u00eb 56% t\u00eb totalit t\u00eb depozitave n\u00eb banka"},"content":{"rendered":"

Depozitat e sigurueshme t\u00eb individ\u00ebve n\u00eb sistemin bankar m\u00eb 31 dhjetor 2018 arrit\u00ebn 922.3 mld lek\u00eb, sipas t\u00eb dh\u00ebnave t\u00eb publikuara n\u00eb raportin vjetor t\u00eb Agjencis\u00eb s\u00eb Sigurimit t\u00eb Depozitave (ASD).<\/p>\n

Numri n\u00eb total i depozituesve individ\u00eb q\u00eb p\u00ebrfitojn\u00eb nga skema e sigurimit t\u00eb depozitave n\u00eb sistemin bankar, n\u00eb fund t\u00eb vitit 2018 \u00ebsht\u00eb 2,388,717, thot\u00eb ASD, dhe gjat\u00eb periudh\u00ebs 16 vje\u00e7are t\u00eb aktivitetit t\u00eb skem\u00ebs s\u00eb sigurimit t\u00eb depozitave, ky num\u00ebr \u00ebsht\u00eb rritur 6 her\u00eb (krahasuar me 400 mij\u00eb depozitues n\u00eb fillim t\u00eb vitit 2003). K\u00ebta nuk jan\u00eb individ\u00eb, sqaron ASD, pasi nj\u00eb individ mund t\u00eb ket\u00eb disa depozita. Nga totali i depozituesve, 911,153 depozitues jan\u00eb inaktiv\u00eb, pasi kan\u00eb n\u00eb banka midis 0 deri n\u00eb 100 lek\u00eb.<\/p>\n

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1,414,440 depozitues, kan\u00eb depozita deri n\u00eb 2.5 milion\u00eb lek\u00eb, pra deri n\u00eb nivelin e mbulimit dhe p\u00ebrfitojn\u00eb mbulim t\u00eb plot\u00eb nga skema e sigurimit t\u00eb depozitave.<\/div>\n<\/div>\n

Nd\u00ebrsa depozituesit individ\u00eb me depozita m\u00eb t\u00eb m\u00ebdha se 2.5 mln lek\u00eb n\u00eb fund t\u00eb dhjetorit 2018, jan\u00eb 90,845 apo 3.7% e totalit t\u00eb depozituesve n\u00eb vend, (p\u00ebrfshir\u00eb dhe ata me depozita deri n\u00eb 100 lek\u00eb) dhe shuma e depozitave t\u00eb tyre arriti vler\u00ebn 516.2 mld lek\u00eb, ose rreth 56% e totalit t\u00eb depozitave t\u00eb sigurueshme (totali depozitave =922.3 mld lek\u00eb).<\/p>\n

Pra n\u00eb total, 3.7% e depozituesve zot\u00ebrojn\u00eb 56% t\u00eb kursimeve n\u00eb vend, sipas p\u00ebrllogaritjeve t\u00eb Monitor, bazuar n\u00eb statistikat e publikuara nga ASD.<\/p>\n

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Sipas ASD, Depozitat e siguruara t\u00eb individ\u00ebve p\u00ebr sistemin bankar n\u00eb fund t\u00eb dhjetorit 2018 ishin n\u00eb vler\u00ebn 633.2 mld lek\u00eb dhe p\u00ebrb\u00ebjn\u00eb 68.7% t\u00eb vler\u00ebs s\u00eb depozitave t\u00eb sigurueshme t\u00eb individ\u00ebve.<\/p>\n

P\u00ebr periudh\u00ebn 2010-2018, p\u00ebrqindja e depozitave t\u00eb individ\u00ebve me vler\u00eb deri n\u00eb 2.5 mln lek\u00eb, varion nga 40% deri n\u00eb 44% t\u00eb totalit t\u00eb depozitave t\u00eb sigurueshme.<\/p>\n

Totali i depozitave<\/strong><\/p>\n

Sipas ASD, p\u00ebrgjat\u00eb vitit 2018 depozitat e sistemit bankar kan\u00eb p\u00ebsuar nj\u00eb rritje t\u00eb leht\u00eb prej 0.5%. N\u00eb fund t\u00eb dhjetorit 2018, totali i depozitave n\u00eb sistemin bankar arriti 1,121 miliard lek\u00eb, krahasuar me 1,115 miliard lek\u00eb q\u00eb ishte nj\u00eb vit m\u00eb par\u00eb, prej t\u00eb cilave Agjencia ka detyrimin p\u00ebr kompensim prej 667.2 miliard lek\u00eb, apo 1,603,317 depozitues. Vlera e depozitave t\u00eb sigurueshme n\u00eb banka q\u00eb p\u00ebrfitojn\u00eb nga skema e sigurimit t\u00eb depozitave arriti 1079 miliard lek\u00eb, \u00e7ka p\u00ebrfaq\u00ebson 96.3% t\u00eb totalit t\u00eb depozitave. Depozitat e sigurueshme t\u00eb individ\u00ebve z\u00ebn\u00eb pesh\u00ebn m\u00eb t\u00eb madhe t\u00eb depozitave t\u00eb sigurueshme, konkretisht rreth 85.5% t\u00eb tyre, nd\u00ebrkoh\u00eb q\u00eb 14.5% jan\u00eb depozita t\u00eb sigurueshme t\u00eb tregtar\u00ebve dhe shoq\u00ebrive tregtare.<\/p>\n

Depozitat e sigurueshme n\u00eb lek\u00eb, n\u00eb fund t\u00eb dhjetorit 2018, z\u00ebn\u00eb pesh\u00ebn m\u00eb t\u00eb madhe t\u00eb totalit t\u00eb depozitave t\u00eb sigurueshme prej 48.6%, ndjekur nga depozitat n\u00eb euro me 44.4%, dhe depozitat n\u00eb USD 5.1%, duke ruajtur t\u00eb nj\u00ebjtat raporte me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n

Nd\u00ebrkaq, totali i depozitave n\u00eb shoq\u00ebrit\u00eb e kursim-kreditit \u00ebsht\u00eb 6.9 mld lek\u00eb n\u00eb fund t\u00eb vitit 2018, nga 6.1 mld lek\u00eb n\u00eb vitin e kaluar, me nj\u00eb rritje vjetore t\u00eb ndjeshme prej 14%. Depozitat e sigurueshme n\u00eb shoq\u00ebrit\u00eb e kursim-kreditit p\u00ebrb\u00ebjn\u00eb 98.7% t\u00eb totalit, me nj\u00eb vler\u00eb prej 6.8 mld lek\u00eb, n\u00eb p\u00ebrfitim t\u00eb 21,564 depozituesve. N\u00eb fund t\u00eb vitit 2018, depozitat e sigurueshme n\u00eb monedh\u00eb t\u00eb huaj z\u00ebn\u00eb 17.8% t\u00eb totalit t\u00eb depozitave t\u00eb sigurueshme n\u00eb shoq\u00ebrit\u00eb e kursimkreditit, nd\u00ebrkoh\u00eb q\u00eb pjesa e mbetur jan\u00eb depozita n\u00eb lek\u00eb. Detyrimi p\u00ebr kompensim i Agjencis\u00eb s\u00eb Sigurimit t\u00eb Depozitave n\u00eb shoq\u00ebrit\u00eb e kursim-kreditit \u00ebsht\u00eb 5.16 mld lek\u00eb, apo 14,192 depozitues.<\/p>\n

Fondet e sigurimit t\u00eb depozitave n\u00eb banka dhe n\u00eb shoq\u00ebrit\u00eb e kursim-kreditit jan\u00eb rritur n\u00eb m\u00ebnyr\u00eb t\u00eb q\u00ebndrueshme p\u00ebrgjat\u00eb vitit 2018. Konkretisht, vlera kontab\u00ebl e fondit t\u00eb sigurimit t\u00eb depozitave n\u00eb banka n\u00eb fund t\u00eb vitit 2018 \u00ebsht\u00eb 38.9 mld lek\u00eb, me nj\u00eb rritje vjetore prej 3.89 mld lek\u00eb ose 11.11%. Kjo ka ardhur si pasoj\u00eb e rritjes s\u00eb t\u00eb ardhurave nga primet e sigurimit, t\u00eb cilat n\u00eb vitin 2018 ishin 3.27 mld lek\u00eb me nj\u00eb rritje prej 2.02%, si dhe rritjes s\u00eb t\u00eb ardhurave nga administrimi i mjeteve financiare, n\u00eb vler\u00ebn 999.44 mln lek\u00eb ose 28% m\u00eb shum\u00eb se n\u00eb vitin 2017.\/Monitor<\/p>\n

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