{"id":8521,"date":"2019-04-13T07:41:47","date_gmt":"2019-04-13T05:41:47","guid":{"rendered":"http:\/\/redaktori.com\/?p=8521"},"modified":"2019-04-13T07:42:17","modified_gmt":"2019-04-13T05:42:17","slug":"viti-i-ndryshimeve-te-medha-cfare-po-ndodh-me-sistemin-bankar","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=8521","title":{"rendered":"Viti i ndryshimeve t\u00eb m\u00ebdha, \u00e7far\u00eb po ndodh me sistemin bankar"},"content":{"rendered":"

Viti 2018 ishte nj\u00eb nga vitet m\u00eb t\u00eb r\u00ebnd\u00ebsishme p\u00ebr sistemin bankar. Nd\u00ebrsa bankat ishin t\u00eb kujdesshme n\u00eb drejtim t\u00eb kredidh\u00ebnies dhe u p\u00ebrqendruan m\u00eb shum\u00eb n\u00eb uljen e kredis\u00eb me probleme, ato ishin mjaft aktive n\u00eb drejtim t\u00eb shitjeve dhe blerjeve. Sistemi bankar pritet t\u00eb mbetet me 12 banka, nga 16. Bankier\u00ebt pohojn\u00eb se ky p\u00ebrqendrim do t\u00eb jet\u00eb pozitiv p\u00ebr konkurrenc\u00ebn n\u00eb sistem dhe konsumatorin<\/p>\n

\u00a0Viti i ndryshimeve t\u00eb m\u00ebdha, \u00e7far\u00eb po ndodh me sistemin bankar<\/strong><\/p>\n

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2018-a ishte e vak\u00ebt p\u00ebr treguesit e sistemit bankar, p\u00ebr t\u00eb dytin vit radhazi, kur sistemi duket se ka hyr\u00eb n\u00eb stanjacion. \u00a0Rritja e aktiveve ishte minimale, kredia e plog\u00ebsht, zgjerimi i depozitave ishte i dob\u00ebt dhe i ndikuar vet\u00ebm nga kursimet n\u00eb euro, nd\u00ebrsa fitimet ran\u00eb.<\/div>\n<\/div>\n

Banka 2018 \u2013 Val\u00eb ndryshimesh t\u00eb m\u00ebdha<\/strong><\/p>\n

2018-a ishte nj\u00eb nga vitet m\u00eb t\u00eb r\u00ebnd\u00ebsishme p\u00ebr sistemin bankar. Nd\u00ebrsa bankat ishin t\u00eb kujdesshme n\u00eb drejtim t\u00eb kredidh\u00ebnies dhe u p\u00ebrqendruan\u2026<\/p>\n

Teksa bankier\u00ebt jan\u00eb t\u00eb nj\u00eb mendjeje se ecuria e sistemit bankar \u00ebsht\u00eb e lidhur ngusht\u00eb me at\u00eb t\u00eb ekonomis\u00eb, performanca e dob\u00ebt e sistemit dhe kredive \u201ckonfirmon\u201d se rritja m\u00eb e lart\u00eb ekonomike n\u00eb nj\u00eb dekad\u00eb, prej 4% n\u00eb 2018-n, erdhi m\u00eb shum\u00eb nga shitja e energjis\u00eb, e nxitur nga moti me reshje, dhe projektet e m\u00ebdha t\u00eb gazsjell\u00ebsit TAP dhe hidrocentraleve mbi Devoll, q\u00eb nuk kan\u00eb asnj\u00eb kreditim n\u00eb sistemin bankar.<\/p>\n

Zhvillimi m\u00eb pozitiv ishte r\u00ebnia e treguesit t\u00eb kredive me probleme, i nxitur nga fshirja nga bilancet t\u00eb kredive q\u00eb kan\u00eb m\u00eb shum\u00eb se 3 vjet q\u00eb nuk kthehen dhe nga ristrukturimet e huave. Por, n\u00eb kahun tjet\u00ebr, sistemi ishte shum\u00eb aktiv n\u00eb procesin e riformatimit, n\u00eb drejtim t\u00eb shitjeve dhe blerjeve, q\u00eb kishte filluar prej disa vjet\u00ebsh, por n\u00eb 2018-n u arrit\u00ebn finalizime t\u00eb r\u00ebnd\u00ebsishme.<\/p>\n

ABI Bank bleu n\u00eb shkurt Bank\u00ebn Komb\u00ebtare t\u00eb Greqis\u00eb (NBG) dhe Intesa Sanpaolo finalizoi p\u00ebrthithjen e Veneto Bank. T\u00eb dy transaksionet e fundit kan\u00eb p\u00ebrfunduar dhe Banka Komb\u00ebtare e Greqis\u00eb dhe Veneto jan\u00eb \u00e7regjistruar tashm\u00eb. N\u00eb fund t\u00eb 2018-s, numri i bankave u ul nga 16 n\u00eb 14.<\/p>\n

N\u00eb fillim t\u00eb prillit t\u00eb k\u00ebtij viti hungarez\u00ebt e OTP Bank Nyrt, finalizuan blerjen e 100% t\u00eb aksioneve me t\u00eb drejt\u00eb vote t\u00eb kapitalit aksioner t\u00eb bank\u00ebs me kapital francez, Societe Generale Albania sh.a. (89% t\u00eb aksioneve), nga dhe t\u00eb nj\u00eb grupi sip\u00ebrmarr\u00ebsish shqiptar\u00eb (11% t\u00eb aksioneve), teksa marr\u00ebveshja mes bankave u arrit n\u00eb 2018-n. Banka e Shqip\u00ebris\u00eb n\u00eb mars t\u00eb k\u00ebtij viti ka miratuar paraprakisht zot\u00ebrimin e 100% t\u00eb aksioneve me t\u00eb drejt\u00eb vote t\u00eb kapitalit aksioner t\u00eb Bank\u00ebs Nd\u00ebrkomb\u00ebtare Tregtare (me kapital malajzian) sh.a., nga Banka Union sh.a, nj\u00eb bank\u00eb me kapital shqiptar (edhe kjo marr\u00ebveshje ishte arritur n\u00eb 2018-n). Pas p\u00ebrfundimit t\u00eb k\u00ebtij transaksioni, numri i bankave n\u00eb sistem pritet n\u00eb shkoj\u00eb n\u00eb 13.<\/p>\n

N\u00eb fillim t\u00eb muajit shkurt, Banka e Shqip\u00ebris\u00eb miratoi paraprakisht zot\u00ebrimin e 88.95% t\u00eb aksioneve me t\u00eb drejt\u00eb vote t\u00eb kapitalit aksioner t\u00eb Bank\u00ebs Tirana sh.a. nga Balfin sh.p.k. dhe 9.88% nga Komercijalna Banka AD Skopje (pal\u00ebt ran\u00eb dakord n\u00eb 2018-n).<\/p>\n

Nj\u00eb tjet\u00ebr bank\u00eb e vog\u00ebl, Banka e Kreditit t\u00eb Shqip\u00ebris\u00eb, me nj\u00eb pesh\u00eb prej vet\u00ebm 0.1% t\u00eb totalit t\u00eb aktiveve, ka k\u00ebrkuar likuidim vullneral, q\u00eb \u00ebsht\u00eb pranuar nga Banka e Shqip\u00ebris\u00eb, sipas informacioneve nga kjo e fundit. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, sistemi pritet q\u00eb t\u00eb ket\u00eb 12 banka.<\/p>\n

Deri n\u00eb vitin 2006, kur u hap dhe banka e fundit e re (Union Bank), sistemi bankar kishte 17 banka. N\u00eb vitin 2008, italian\u00ebt e Intesa Sanpaolo blen\u00eb Bank\u00ebn Italo-Shqiptare dhe m\u00eb pas edhe Bank\u00ebn Amerikane t\u00eb Shqip\u00ebris\u00eb, duke e reduktuar numrin e bankave n\u00eb 16. Q\u00eb prej asaj kohe nuk kishte pasur m\u00eb ndryshime, teksa interesi i bankave t\u00eb huaja p\u00ebr sistemin shqiptar ra pas kriz\u00ebs financiare globale q\u00eb nisi n\u00eb 2008-n.<\/p>\n

Bankier\u00ebt jan\u00eb optimist\u00eb p\u00ebr riformatimin e sistemit bankar. \u201cProcesi i konsolidimit n\u00eb k\u00ebt\u00eb sektor duhet t\u00eb konsiderohet si nj\u00eb progres i sh\u00ebndetsh\u00ebm p\u00ebr hir t\u00eb nj\u00eb sistemi financiar t\u00eb sh\u00ebndosh\u00eb\u201d, thot\u00eb z. Seyhan Pencabl\u0131gil, CEO & An\u00ebtar Bordi i Bank\u00ebs Komb\u00ebtare Tregtare (BKT), m\u00eb e madhja n\u00eb vend. Ai shton se, nga ana tjet\u00ebr, numri i bankave n\u00eb Shqip\u00ebri ishte shum\u00eb i madh duke marr\u00eb parasysh PBB-n\u00eb dhe popullsin\u00eb e Shqip\u00ebris\u00eb, n\u00eb fakt numri i bankave mund t\u00eb ulet edhe m\u00eb shum\u00eb n\u00eb t\u00eb ardhmen.<\/p>\n

\u201cKonsolidimi i bankave do t\u00eb rris\u00eb m\u00eb shum\u00eb konkurrenc\u00ebn p\u00ebr nj\u00eb sh\u00ebrbim m\u00eb cil\u00ebsor dhe mund t\u00eb shtyj\u00eb drejt specializimit t\u00eb bankave n\u00eb sh\u00ebrbime specifike p\u00ebr grupe t\u00eb caktuar klient\u00ebsh ose linja t\u00eb caktuara produktesh\u201d, thot\u00eb Maltin Korkuti, drejtor i Credins Bank.<\/p>\n

P\u00ebr Z. Silvio Pedrazzi, CEO i Intesa Sanpaolo Bank Albania, ky \u00ebsht\u00eb nj\u00eb fenomen i mir\u00eb, si p\u00ebr sistemin bankar, gjithashtu edhe p\u00ebr vendin, sepse do t\u00eb ket\u00eb nj\u00eb num\u00ebr m\u00eb t\u00eb vog\u00ebl bankash, por sistemi do t\u00eb jet\u00eb m\u00eb i fort\u00eb dhe n\u00eb gjendje t\u00eb konkurroj\u00eb.<\/p>\n

Andi Ballta, drejtor i ABI Bank, pohon se interesi n\u00eb shitje \u00ebsht\u00eb sistemik dhe nuk ka mbaruar. Ai shton se rezultatet e transformimit jan\u00eb gj\u00eb tjet\u00ebr, pasi do t\u00eb shihen rast pas rasti n\u00eb 2-3 vitet e ardhshme.<\/p>\n

Gazmend Kadriu, drejtori i Union Bank, pret q\u00eb reduktimi i numrit t\u00eb bankave ta b\u00ebj\u00eb sistemin m\u00eb racional dhe rrjedhimisht m\u00eb t\u00eb fort\u00eb. Ai gjykon se reduktimi i projektuar i numrit t\u00eb bankave nuk \u00ebsht\u00eb ende aq i madh sa t\u00eb influencoj\u00eb nivelin e konkurrenc\u00ebs mes bankave.<\/p>\n

M\u00eb pak optimist \u00ebsht\u00eb Bozhidar Todorov, drejtor i p\u00ebrgjithsh\u00ebm i Fibank. Ai pohon se nuk \u00ebsht\u00eb gj\u00eb e mir\u00eb n\u00ebse emra t\u00eb m\u00ebdhenj si NBG, Piraeus apo Societe Generale \u2013 nj\u00eb nga m\u00eb t\u00eb m\u00ebdhat\u00eb dhe m\u00eb t\u00eb mirat n\u00eb rajon \u2013 largohen nga Shqip\u00ebria. Megjithat\u00eb, ai shton se mbeten p\u00ebr t\u2019u par\u00eb strategjit\u00eb e lojtar\u00ebve t\u00eb rinj.<\/p>\n

Dr. S\u00e1ndor Cs\u00e1nyi, Kryetar dhe Drejtor i P\u00ebrgjithsh\u00ebm i OTP Bank, q\u00eb sapo \u00ebsht\u00eb prezantuar zyrtarisht n\u00eb Shqip\u00ebri, \u00ebsht\u00eb optimist p\u00ebr ecurin\u00eb q\u00eb do t\u00eb ken\u00eb n\u00eb tregun bankar shqiptar. Ai pohon se planet e OTP-s\u00eb jan\u00eb p\u00ebr t\u2019u b\u00ebr\u00eb nj\u00eb nga bankat m\u00eb t\u00eb fuqishme n\u00eb Shqip\u00ebri edhe p\u00ebrmes blerjeve t\u00eb tjera, ndon\u00ebse shtoi se p\u00ebr momentin nuk ka ndonj\u00eb plan konkret.<\/p>\n

Edhe Banka e Shqip\u00ebris\u00eb e vler\u00ebson pozitivisht konsolidimin q\u00eb po ndodh n\u00eb sistemin bankar. \u201cNdryshimet q\u00eb po ndodhin n\u00eb struktur\u00ebn e sektorit bankar, jan\u00eb shoq\u00ebruar me rritjen e pesh\u00ebs s\u00eb kapitalit vendas dhe uljen e numrit t\u00eb bankave. Ky proces, pritet t\u00eb kontribuoj\u00eb pozitivisht n\u00eb ecurin\u00eb e nd\u00ebrmjet\u00ebsimit financiar\u201d, thot\u00eb Banka n\u00eb deklarat\u00ebn e fundit t\u00eb stabilitetit financiar.<\/p>\n

Nj\u00eb tjet\u00ebr sfid\u00eb e r\u00ebnd\u00ebsishme e sistemit bankar \u00ebsht\u00eb dixhitalizimi. \u201cTashm\u00eb, ky proces ka filluar dhe sistemi bankar kryeson\u201d, thot\u00eb Christian Canacaris, CEO i Raiffeisen Bank Albania, duke shtuar se \u00ebsht\u00eb e nevojshme t\u00eb vazhdojm\u00eb t\u00eb investojm\u00eb p\u00ebr t\u2019u ofruar klient\u00ebve tan\u00eb nj\u00eb sh\u00ebrbim t\u00eb mir\u00eb dixhital.<\/p>\n

\u201cRevolucioni dixhital \u00ebsht\u00eb tashm\u00eb nj\u00eb realitet dhe ne do t\u00eb na duhet t\u00eb dim\u00eb t\u00eb zbatojm\u00eb modelin e ri, at\u00eb t\u00eb veprimtaris\u00eb bankare t\u00eb hapur (open banking)\u201d, pohon Georgios Papanastasiou, drejtori i p\u00ebrgjithsh\u00ebm i Alpha Bank.<\/p>\n

\u201cZhvillimet me ritme t\u00eb shpejta n\u00eb fush\u00ebn e teknologjis\u00eb s\u00eb informacionit do t\u00eb paraqesin sfida t\u00eb ve\u00e7anta n\u00eb drejtim t\u00eb modernizimit t\u00eb infrastruktur\u00ebs, si dhe t\u00eb standardit t\u00eb sh\u00ebrbimeve apo t\u00eb produkteve bankare, por edhe nevoj\u00ebn p\u00ebr t\u00eb parandaluar risqet operacionale me natyr\u00eb teknologjike\u201d, thot\u00eb Dritan Mustafa, CEO i Tirana Bank.<\/p>\n

Agan Azemi, an\u00ebtar i Drejtoris\u00eb Ekzekutive, ProCredit Bank n\u00eb Shqip\u00ebri, nj\u00eb prej bankave pioniere n\u00eb dixhitalizim, thot\u00eb se \u201csfida t\u00eb reja shtrohen n\u00eb vijim p\u00ebr bankat, n\u00eb kuad\u00ebr t\u00eb p\u00ebrmir\u00ebsimit t\u00eb eficenc\u00ebs s\u00eb tyre, n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb sigurojn\u00eb p\u00ebrmbushje t\u00eb objektivave t\u00eb biznesit, p\u00ebrputhshm\u00ebri me kuadrin rregullator, p\u00ebrfitueshm\u00ebrin\u00eb e synuar dhe q\u00ebndrueshm\u00ebri n\u00eb afatgjat\u00eb\u201d. LEXO TE PLOTA INTERVISTAT E BANKIEREVE: Intervistat e bankier\u00ebve \/ \u00c7far\u00eb do t\u00eb sjell\u00eb konsolidimi i sistemit, ja pse ra euro<\/p>\n

Rritja m\u00eb e ul\u00ebt e aktiveve, t\u00eb pakt\u00ebn q\u00eb nga 1998-a<\/strong><\/p>\n

Totali i aktiveve t\u00eb sistemit bankar arriti n\u00eb 1.45 trilion\u00eb lek\u00eb (rreth 11.4 miliard\u00eb euro) n\u00eb fund t\u00eb vitit 2018, sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. N\u00eb raport me nj\u00eb vit m\u00eb par\u00eb, rritja vjetore ishte vet\u00ebm 0.5%, m\u00eb e ul\u00ebta q\u00eb nga viti 1998, kur Banka e Shqip\u00ebris\u00eb raporton t\u00eb ardhurat. Ndikim ka dh\u00ebn\u00eb dhe n\u00ebn\u00e7mimi i euros, gjithsesi q\u00eb prej vitit 2011, rritja e aktiveve t\u00eb sistemit ka qen\u00eb minimale.<\/p>\n

Bankat kan\u00eb preferuar q\u00eb parat\u00eb e depozituesve t\u2019i investojn\u00eb n\u00eb letrat me vler\u00eb t\u00eb qeveris\u00eb. Ky z\u00eb ka sh\u00ebnuar rritje prej 8% me baz\u00eb vjetore. Ndryshe nga vitet e kaluara, bankat nuk kan\u00eb preferuar t\u2019i vendosin parat\u00eb jasht\u00eb, pas kufizimeve t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb, por edhe t\u00eb shtyra nga interesat e ul\u00ebta q\u00eb paguhen n\u00eb investime n\u00eb \u201ctregun e paras\u00eb\u201d, apo interesat negative q\u00eb paguhen n\u00eb llogari t\u00eb bankave korrespondente . Z\u00ebri \u201cMarr\u00ebdh\u00ebnie me bankat, institucionet e kreditit dhe institucionet e tjera financiare\u201d sh\u00ebnoi p\u00ebr her\u00eb t\u00eb par\u00eb r\u00ebnie vjetore me 5%, pas rritjes s\u00eb vazhdueshme q\u00eb kishte sh\u00ebnuar dekad\u00ebn e fundit.<\/p>\n

Bankat tregtare kan\u00eb rritur mbajtjen e likuiditeteve te Banka e Shqip\u00ebris\u00eb sidomos n\u00eb valut\u00eb, edhe pse interesi i ofruar \u00ebsht\u00eb negativ. Ekspert\u00ebt e bankave shpjeguan se shkak p\u00ebr k\u00ebt\u00eb rritje \u00ebsht\u00eb b\u00ebr\u00eb efekti i masave makroprudenciale q\u00eb rrjedhin nga nj\u00eb rregullore e Bank\u00ebs Qendrore q\u00eb penalizonte bankat p\u00ebr mbajtjen e fondeve t\u00eb tep\u00ebrta jasht\u00eb vendit, pasi konsiderohen si 100% me risk.<\/p>\n

<\/div>\n

Huaja dh\u00ebn\u00eb sektorit privat dhe individ\u00ebve ka ardhur n\u00eb r\u00ebnie, me gati 3.3% me baz\u00eb vjetore.<\/p>\n

Kredia, n\u00eb r\u00ebnie historike<\/strong><\/p>\n

Stoku i huas\u00eb p\u00ebr ekonomin\u00eb zbriti n\u00eb 532.6 miliard\u00eb lek\u00eb n\u00eb dhjetor t\u00eb vitit 2018, sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. N\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, kredia e dh\u00ebn\u00eb p\u00ebr bizneset, individ\u00ebt dhe institucionet shtet\u00ebrore ka r\u00ebn\u00eb me 3.2%, ose rreth 17 miliard\u00eb lek\u00eb m\u00eb pak. T\u00eb dh\u00ebnat historike t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se kjo \u00ebsht\u00eb r\u00ebnia m\u00eb e madhe vjetore historike, t\u00eb pakt\u00ebn q\u00eb nga viti 1997.<\/p>\n

Nga fillimi i viteve 2000 deri n\u00eb 2011-n, huaja p\u00ebr ekonomin\u00eb u rrit me ritme t\u00eb shpejta, edhe me 50% n\u00eb periudh\u00ebn 2006-2007. M\u00eb pas, ritmet u ngadal\u00ebsuan, sidomos pas 2008-s, kur jo vet\u00ebm vendi filloi t\u00eb ndiente pasojat e kredis\u00eb globale, por edhe kredia e pakthyer n\u00eb banka arriti n\u00eb 25%.Pas k\u00ebsaj periudhe, huadh\u00ebnia p\u00ebr ekonomin\u00eb hyri n\u00eb ng\u00ebr\u00e7, duke reflektuar kujdesin e shtuar t\u00eb bankave dhe munges\u00ebn e projekteve fizib\u00ebl nga biznesi.<\/p>\n

N\u00eb vitin 2018, r\u00ebnia ka ardhur si rrjedhoj\u00eb e disa faktor\u00ebve, q\u00eb lidhen me tkurrjen e kredis\u00eb p\u00ebr bizneset dhe korporatat publike, nga nj\u00ebra an\u00eb, dhe me n\u00ebn\u00e7mimin e euros dhe fshirjen e kredive nga ana tjet\u00ebr. M\u00eb e q\u00ebndrueshme ka qen\u00eb huadh\u00ebnia p\u00ebr individ\u00ebt. Sipas vler\u00ebsimeve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00ebse hiqet efekti i euros dhe fshirjes, huaja p\u00ebr ekonomin\u00eb \u00ebsht\u00eb rritur me rreth 5%.<\/p>\n

Kredia p\u00ebr korporatat jofinanciare publike ra me 44% (-16.4 miliard\u00eb lek\u00eb), ku ndikimin kryesor e dha ristrukturimi i huas\u00eb s\u00eb Korporat\u00ebs Elektroenergjetike Shqiptare (KESH), nga nj\u00eb hua e Bank\u00ebs Europiane p\u00ebr Rind\u00ebrtim dhe Zhvillim, \u00e7ka solli q\u00eb huaja t\u2019u shlyhej bankave vendase.<\/p>\n

Edhe kredia p\u00ebr bizneset, q\u00eb z\u00eb pesh\u00ebn kryesore t\u00eb huas\u00eb q\u00eb bankat kan\u00eb dh\u00ebn\u00eb n\u00eb ekonomi (me gati 60% t\u00eb totalit), u tkurr me rreth 3% (-11.6 miliard\u00eb lek\u00eb). N\u00eb r\u00ebnie ishte si huaja n\u00eb lek\u00eb, ashtu dhe ajo n\u00eb valut\u00eb (kjo e fundit e ndikuar edhe nga zhvler\u00ebsimi i euros). Bankier\u00ebt pohojn\u00eb se ka nj\u00eb munges\u00eb k\u00ebrkese dhe pak projekte t\u00eb mira q\u00eb mund t\u2019u jepet hua. \u201c\u00c7do vit, sfida kryesore \u00ebsht\u00eb gjetja e biznesit t\u00eb mir\u00eb p\u00ebr kredituar\u201d, pohon z. Christian Canacaris, CEO i Raiffeisen Bank Albania.<\/p>\n

Ndryshe nga bizneset, bankat kan\u00eb qen\u00eb m\u00eb t\u00eb prira t\u00eb financojn\u00eb individ\u00ebt, t\u00eb cil\u00ebt kan\u00eb rezultuar kredimarr\u00ebs m\u00eb t\u00eb mir\u00eb. Huaja p\u00ebr k\u00ebt\u00eb segment u rrit me 3.7%, e udh\u00ebhequr nga monedha vendase, nd\u00ebrsa n\u00eb valut\u00eb u reduktua, teksa bankat preferojn\u00eb t\u00eb kreditojn\u00eb individ\u00ebt n\u00eb monedh\u00ebn q\u00eb kan\u00eb t\u00eb ardhurat.<\/p>\n

N\u00eb fund t\u00eb 2018-s, kredia n\u00eb lek\u00eb zinte 50.7% t\u00eb totalit, me nj\u00eb rritje t\u00eb leht\u00eb nga 50.1% n\u00eb fund t\u00eb 2017-s. Q\u00eb prej vitit 2011, kur zinte 60% t\u00eb totalit, kredia n\u00eb valut\u00eb \u00ebsht\u00eb reduktuar n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme, edhe si rezultat i politik\u00ebs s\u00eb \u201cde-euroizimit\u201d t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb gjat\u00eb viteve t\u00eb fundit.<\/p>\n

\u00a0<\/strong>\u00a0Deeuroizimi nuk dha efekt te depozitat<\/strong><\/p>\n

N\u00eb fund t\u00eb vitit 2018, bizneset, individ\u00ebt, institucionet shtet\u00ebrore e t\u00eb tjera kishin gjithsej n\u00eb banka 989 miliard\u00eb lek\u00eb, ose gati 7.8 miliard\u00eb euro. Sipas t\u00eb dh\u00ebnave t\u00eb publikuara nga Banka e Shqip\u00ebris\u00eb, n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, depozitat n\u00eb banka ran\u00eb me 13 miliard\u00eb lek\u00eb, ose 1.3%. Tkurrja e depozitave ka ardhur t\u00ebr\u00ebsisht nga reduktimi i kursimeve n\u00eb lek\u00eb, t\u00eb cilat ran\u00eb n\u00eb total me 3.7%, nd\u00ebrsa n\u00eb valut\u00eb u rrit\u00ebn me rreth 1% (duke pasur parasysh efektin e zhvler\u00ebsimit t\u00eb euros, rritja reale ka qen\u00eb m\u00eb e lart\u00eb).<\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, q\u00eb raportohen n\u00eb monedh\u00ebn p\u00ebrkat\u00ebse, b\u00ebjn\u00eb t\u00eb ditur se depozitat n\u00eb euro, n\u00eb fund t\u00eb vitit 2018, arrit\u00ebn n\u00eb 4 miliard\u00eb euro, me nj\u00eb rritje prej 10% me baz\u00eb vjetore, ose rreth 370 milion\u00eb euro m\u00eb shum\u00eb (kjo rritje \u00ebsht\u00eb shum\u00eb m\u00eb e lart\u00eb sesa vlera e raportimit n\u00eb lek\u00eb t\u00eb depozitave n\u00eb valut\u00eb, ku zgjerimi ishte minimal prej 1% p\u00ebr shkak t\u00eb efektit q\u00eb ka pasur zhvler\u00ebsimi i euros, q\u00eb ra nga 133 lek\u00eb n\u00eb fillim t\u00eb 2018-s n\u00eb 123 lek\u00eb n\u00eb fund t\u00eb saj).<\/p>\n

Ky \u00ebsht\u00eb niveli m\u00eb i lart\u00eb i regjistruar ndonj\u00ebher\u00eb i kursimeve n\u00eb monedh\u00ebn e p\u00ebrbashk\u00ebt. Kjo sjellje, kur besimi i publikut mbetet i lart\u00eb tek euro, edhe pse monedha e p\u00ebrbashk\u00ebt \u00ebsht\u00eb zhvler\u00ebsuar ndaj lekut, ishte n\u00eb t\u00eb kund\u00ebrt t\u00eb asaj q\u00eb shpresonte Banka e Shqip\u00ebris\u00eb, e cila n\u00eb shkurt t\u00eb 2018-s nisi nj\u00eb fushat\u00eb p\u00ebr deeuroizimin e ekonomis\u00eb, q\u00eb synonte uljen e p\u00ebrdorimit t\u00eb euros, si n\u00eb kahun e kredis\u00eb ashtu dhe t\u00eb depozitave.<\/p>\n

Nd\u00ebrsa n\u00eb kahun e kredis\u00eb funksionoi dhe pesha e huas\u00eb n\u00eb valut\u00eb u ul me 0.7 pik\u00eb p\u00ebrqindje, nuk ndodhi e nj\u00ebjta gj\u00eb me kahun e kursimeve. N\u00eb fund t\u00eb 2018-s, kursimet n\u00eb monedh\u00eb t\u00eb huaj arrit\u00ebn n\u00eb 53.9% t\u00eb totalit, duke sh\u00ebnuar nivelin m\u00eb t\u00eb lart\u00eb historik. Efektin kryesor n\u00eb rritjen e valut\u00ebs n\u00eb banka e dhan\u00eb depozitat pa afat t\u00eb bizneseve, q\u00eb u rrit\u00ebn me rreth 120 milion\u00eb euro, ose 22.4%.<\/p>\n

N\u00eb t\u00eb kund\u00ebrt, individ\u00ebt kan\u00eb vijuar t\u00eb mos ken\u00eb interes p\u00ebr bankat, pas uljes s\u00eb vazhdueshme t\u00eb normave t\u00eb interesit, q\u00eb aktualisht jan\u00eb n\u00ebn 1% p\u00ebr kursimet 12-mujore n\u00eb lek\u00eb dhe af\u00ebr zeros p\u00ebr valut\u00ebn. N\u00eb total, individ\u00ebt rezultojn\u00eb t\u00eb ken\u00eb ulur depozitat me afat n\u00eb lek\u00eb dhe valut\u00eb me 41 miliard\u00eb lek\u00eb (-22 mld n\u00eb lek\u00eb dhe 19.2 mld n\u00eb valut\u00eb), ose rreth 320 milion\u00eb euro.<\/p>\n

Nd\u00ebrsa nj\u00eb pjes\u00eb t\u00eb kursimeve n\u00eb valut\u00eb, individ\u00ebt i kan\u00eb kaluar n\u00eb llogari pa afat, po n\u00eb valut\u00eb, kjo nuk ka ndodhur p\u00ebr lekun. N\u00eb munges\u00eb t\u00eb alternativave t\u00eb investimit, kursimtar\u00ebt kan\u00eb preferuar depozitat m\u00eb afatgjata, letrat me vler\u00eb t\u00eb qeveris\u00eb, ose kan\u00eb investuar n\u00eb blerjen e pasurive t\u00eb paluajtshme.<\/p>\n

Bankier\u00ebt pohojn\u00eb se \u00ebsht\u00eb ende shpejt p\u00ebr t\u00eb vler\u00ebsuar dhe p\u00ebr t\u00eb par\u00eb rezultatet e masave de-euroizim t\u00eb marra nga Banka e Shqip\u00ebris\u00eb. Gjithsesi, ata pohojn\u00eb se depozitat n\u00eb valut\u00eb nxiten nga remitancat, nd\u00ebrsa diferenca e ul\u00ebt mes interesave t\u00eb depozitave n\u00eb euro dhe lek\u00eb nuk i ka nxitur individ\u00ebt q\u00eb t\u2019i konvertojn\u00eb kursimet nga euro n\u00eb lek\u00eb.<\/p>\n

Dritan Mustafa, CEO i Tirana Bank, pohon se monedha Euro mbetet shum\u00eb e pranishme n\u00eb transaksionet tregtare, ka flukse vjetore t\u00eb larta t\u00eb d\u00ebrgesave t\u00eb parave nga emigrant\u00ebt, nd\u00ebrsa mbetemi t\u00eb \u201crrethuar\u201d nga ekonomi rajonale ku euro \u00ebsht\u00eb monedh\u00eb ligjore. \u201cK\u00ebta faktor\u00eb konstant\u00eb, dhe t\u00eb tjer\u00eb q\u00eb mund t\u00eb ken\u00eb lidhje me impaktin q\u00eb vjen nga ekonomia informale, e njohur edhe nga vler\u00ebsimet e institucioneve nd\u00ebrkomb\u00ebtare, p\u00ebrb\u00ebjn\u00eb nj\u00eb sfid\u00eb serioze n\u00eb drejtim t\u00eb uljes s\u00eb euroizimit n\u00eb ekonomin\u00eb lokale\u201d, thot\u00eb z. Mustafa.<\/p>\n

Agan Azemi, an\u00ebtar i Drejtoris\u00eb Ekzekutive, ProCredit Bank n\u00eb Shqip\u00ebri, propozon masa shtes\u00eb n\u00eb nj\u00eb aspekt m\u00eb t\u00eb gjer\u00eb, t\u00eb cilat duhet t\u00eb synojn\u00eb rritjen e besimit t\u00eb depozituesve ndaj monedh\u00ebs LEK dhe stimulimin e kursimit n\u00eb k\u00ebt\u00eb monedh\u00eb dhe kufizimin e marr\u00ebdh\u00ebnieve tregtare brenda vendit, p\u00ebr t\u00eb cilat shlyerja b\u00ebhet n\u00eb monedh\u00ebn EUR.<\/p>\n

Fitimi i bankave bie me 17% n\u00eb 2018-n<\/strong><\/p>\n

Sistemi bankar e mbylli vitin 2018 me nj\u00eb fitim neto prej 18.4 miliard\u00eb lek\u00ebsh, ose rreth 145 milion\u00eb euro, sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, q\u00eb i raporton t\u00eb dh\u00ebnat sipas standardeve lokale. N\u00eb krahasim me vitin e m\u00ebparsh\u00ebm, kur fitimi arriti n\u00eb nivele rekord prej 22 miliard\u00eb lek\u00ebsh, ky tregues ka r\u00ebn\u00eb me 17%, q\u00eb ka ardhur kryesisht si rrjedhoj\u00eb e r\u00ebnies s\u00eb t\u00eb ardhurave, ku z\u00ebri me ndikimin kryesor \u00ebsht\u00eb ai i humbjeve nga instrumentet financiare.<\/p>\n

T\u00eb ardhurat e bankave nga interesat, q\u00eb \u00ebsht\u00eb burimi kryesor, ran\u00eb me 1.8%, n\u00eb 52.3 miliard\u00eb lek\u00eb, si rrjedhoj\u00eb e r\u00ebnies s\u00eb normave t\u00eb interesit, nj\u00eb tendenc\u00eb kjo n\u00eb linj\u00eb me politik\u00ebn monetare leht\u00ebsuese t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr uljen e kostos s\u00eb paras\u00eb, por edhe ngadal\u00ebsimit t\u00eb huas\u00eb, sidomos p\u00ebr bizneset.<\/p>\n

T\u00eb ardhurat nga gjobat dhe komisionet u rrit\u00ebn leht\u00eb me 0.6%, duke arritur n\u00eb 11 miliard\u00eb lek\u00eb. Bankat kan\u00eb rritur edhe humbjet nga instrumentet financiare, \u00e7ka ka b\u00ebr\u00eb q\u00eb totali i t\u00eb ardhurave bruto t\u00eb bjer\u00eb me 6%, n\u00eb 43 miliard\u00eb lek\u00eb. Shpenzimet administrative sh\u00ebnuan rritje t\u00eb leht\u00eb, nd\u00ebrsa provigjionet p\u00ebr huat\u00eb jan\u00eb ulur, duke leht\u00ebsuar bilancet e bankave.<\/p>\n

R\u00ebnia e fitimeve ka ndikuar dhe n\u00eb p\u00ebrkeq\u00ebsimin e treguesve t\u00eb rentabilitetit. Kthimi nga aktivet (ROA) ishte mesatarisht 1.45% n\u00eb 2017-n, nd\u00ebrsa n\u00eb vitin 2018, zbriti n\u00eb 1.32%. Kthyeshm\u00ebria nga kapitali (ROE) arriti n\u00eb 12.1%, nga 15.06% q\u00eb ishte n\u00eb 2017-n.<\/p>\n

Me normat e depozitave q\u00eb kan\u00eb arritur minimumin dhe interesat e kredive q\u00eb vazhdojn\u00eb t\u00eb ulen, bankier\u00ebt parashikojn\u00eb dit\u00eb t\u00eb v\u00ebshtira p\u00ebr sistemin, sa i p\u00ebrket p\u00ebrfitueshm\u00ebris\u00eb. \u201cMarzhet e ul\u00ebta t\u00eb interesit po krijojn\u00eb rrezik p\u00ebr rritjen e q\u00ebndrueshme dhe sh\u00ebndetin e sektorit financiar\u201d, pohon z. Seyhan Pencabligil, CEO i BKT. P\u00ebr m\u00eb tep\u00ebr, shton ai, kufizimet e fundit rregullatore, si Basel, IFRS 9 etj., k\u00ebrkojn\u00eb m\u00eb shum\u00eb kapital, duke shtuar n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, nj\u00eb tjet\u00ebr faktor negativ p\u00ebr shkak t\u00eb rritjes s\u00eb kostove p\u00ebr bankat.<\/p>\n

Silvio Pedrazzi, CEO i Intesa Sanpaolo Bank Albania pohon se sfida kryesore e k\u00ebtij viti \u00ebsht\u00eb niveli tep\u00ebr i ul\u00ebt i normave t\u00eb interesit, q\u00eb gjenerojn\u00eb potencialisht m\u00eb pak t\u00eb ardhura, n\u00eb munges\u00eb t\u00eb nj\u00eb tregu m\u00eb t\u00eb zhvilluar financiar, krahasuar me shtetet e tjera t\u00eb Europ\u00ebs, ku bankat jan\u00eb mjaft aktive, si p.sh. fondet e menaxhimit t\u00eb aktiveve.<\/p>\n

Ulen kredit\u00eb me probleme<\/strong><\/p>\n

Nj\u00eb tregues pozitiv gjat\u00eb vitit 2018 ishte ulja e nivelit t\u00eb kredive me probleme. N\u00eb dhjetor t\u00eb vitit 2018, 11.08% e totalit t\u00eb huave ishin n\u00eb vones\u00eb m\u00eb shum\u00eb sesa 3 muaj, nga 13.28% q\u00eb ishin n\u00eb dhjetor 2017 dhe duke arritur n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt nga 2010-a.<\/p>\n

N\u00eb krahasim me shtatorin 2014, kur ky tregues arriti n\u00eb nivelin m\u00eb t\u00eb lart\u00eb q\u00eb nga vitet 2000, duke prekur 25%, huat\u00eb e pakthyera n\u00eb afat kan\u00eb r\u00ebn\u00eb ndjesh\u00ebm. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, arsyet lidhen me fshirjen nga bilanci t\u00eb kredive q\u00eb nuk ktheheshin prej m\u00eb shum\u00eb se tre vitesh si dhe ristrukturimin e kredive, \u00e7ka ka \u00e7uar n\u00eb fillimin e shlyerjes s\u00eb huave problematike\/Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"

Viti 2018 ishte nj\u00eb nga vitet m\u00eb t\u00eb r\u00ebnd\u00ebsishme p\u00ebr sistemin bankar. Nd\u00ebrsa bankat ishin t\u00eb kujdesshme n\u00eb drejtim t\u00eb kredidh\u00ebnies dhe u p\u00ebrqendruan m\u00eb shum\u00eb n\u00eb uljen e kredis\u00eb me probleme, ato ishin mjaft aktive n\u00eb drejtim t\u00eb shitjeve dhe blerjeve. Sistemi bankar pritet t\u00eb mbetet me 12 banka, nga 16. Bankier\u00ebt pohojn\u00eb se […]<\/p>\n","protected":false},"author":1,"featured_media":7544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[6,8,3],"tags":[],"yoast_head":"\nViti i ndryshimeve t\u00eb m\u00ebdha, \u00e7far\u00eb po ndodh me sistemin bankar - 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=8521\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Viti i ndryshimeve t\u00eb m\u00ebdha, \u00e7far\u00eb po ndodh me sistemin bankar - Informohu qart\u00ebsisht!\" \/>\n<meta property=\"og:description\" content=\"Viti 2018 ishte nj\u00eb nga vitet m\u00eb t\u00eb r\u00ebnd\u00ebsishme p\u00ebr sistemin bankar. Nd\u00ebrsa bankat ishin t\u00eb kujdesshme n\u00eb drejtim t\u00eb kredidh\u00ebnies dhe u p\u00ebrqendruan m\u00eb shum\u00eb n\u00eb uljen e kredis\u00eb me probleme, ato ishin mjaft aktive n\u00eb drejtim t\u00eb shitjeve dhe blerjeve. Sistemi bankar pritet t\u00eb mbetet me 12 banka, nga 16. 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