{"id":4076,"date":"2017-08-18T08:20:29","date_gmt":"2017-08-18T08:20:29","guid":{"rendered":"http:\/\/prodhuesit.org\/?p=4076"},"modified":"2017-08-18T08:20:29","modified_gmt":"2017-08-18T08:20:29","slug":"bsh-kredia-per-biznese-tremujori-ii-2017","status":"publish","type":"post","link":"https:\/\/www.prodhuesit.org\/?p=4076","title":{"rendered":"BSH: Kredia p\u00ebr Biznese, Tremujori II &#8211; 2017"},"content":{"rendered":"<p>Sipas t\u00eb dh\u00ebnave zyrtare nga Departementi i Politik\u00ebs Monetare n\u00eb Bank\u00ebn e Shqip\u00ebris\u00eb, kredia p\u00ebr biznese sh\u00ebnoi rritje t\u00eb moderuar gjat\u00eb tremujorit t\u00eb dyt\u00eb t\u00eb vitit 2017, e ndikuar si nga rikuperimi i ngadalt\u00eb i k\u00ebrkes\u00ebs p\u00ebr kredi dhe oferta e ngurt\u00eb, ashtu edhe nga shlyerja e kredive me probleme. P\u00ebrmir\u00ebsimi i aktivitetit ekonomik ka ndikuar n\u00eb shtimin e likuiditetit t\u00eb bizneseve, n\u00eb rikuperimin e ngadalt\u00eb t\u00eb k\u00ebrkes\u00ebs p\u00ebr kredi nga ky segment, si dhe ka mund\u00ebsuar shlyerjen e kredive. Kredia p\u00ebr biznese sipas monedhave \u00ebsht\u00eb mb\u00ebshtetur nga kredia n\u00eb lek\u00eb. Nd\u00ebrkoh\u00eb, sipas q\u00ebllimit t\u00eb p\u00ebrdorimit \u00ebsht\u00eb kredia p\u00ebr investime, q\u00eb ka kontribuar pozitivisht. Normat e interesit p\u00ebr kredit\u00eb n\u00eb lek\u00eb p\u00ebr bizneset kan\u00eb sh\u00ebnuar r\u00ebnie n\u00eb tremujorin e dyt\u00eb t\u00eb vitit. Bankat presin q\u00eb standardet dhe k\u00ebrkesa e kredis\u00eb p\u00ebr biznese t\u00eb jet\u00eb e ngjashme edhe n\u00eb tremujorin e tret\u00eb t\u00eb vitit 2017.<\/p>\n<p>Portofoli i kredis\u00eb p\u00ebr biznese n\u00eb bilancin e bankave \u00ebsht\u00eb tkurrur me 6 miliard\u00eb lek\u00eb n\u00eb tremujorin e dyt\u00eb t\u00eb vitit 2017. Ky reduktim ka reflektuar rim\u00ebk\u00ebmbjen e ngadalt\u00eb t\u00eb kredis\u00eb p\u00ebr k\u00ebt\u00eb sektor, shlyerjen e kredive, si dhe ndikimin e lart\u00eb kontab\u00ebl nga luhatjet e kursit t\u00eb k\u00ebmbimit. Kjo ecuri \u00ebsht\u00eb reflektuar n\u00eb uljen e pesh\u00ebs s\u00eb kredis\u00eb s\u00eb bizneseve ndaj totalit me 1.2 pp krahasuar me fundin e vitit 2016, p\u00ebr t\u00eb arritur n\u00eb 65.9%. N\u00eb r\u00ebnie shfaqet edhe raporti i kredis\u00eb p\u00ebr biznese ndaj PBB-s\u00eb n\u00eb 24.5% p\u00ebrkundrejt 25.2%, q\u00eb sh\u00ebnonte n\u00eb dhjetor 2016.<\/p>\n<p>Megjithat\u00eb, pastruar nga efekti i kursit t\u00eb k\u00ebmbimit, portofoli i kredis\u00eb p\u00ebr biznese shfaq nj\u00eb rritje tremujore me 2 miliard\u00eb lek\u00eb, m\u00eb e lart\u00eb sesa nj\u00eb tremujor m\u00eb par\u00eb dhe n\u00eb linj\u00eb me sjelljen sezonale t\u00eb kredis\u00eb. Nd\u00ebrkoh\u00eb, n\u00eb terma mesatar\u00eb vjetor\u00eb, norma e rritjes shfaqet e ngadal\u00ebsuar n\u00eb rreth 2%, e ndikuar edhe nga rritja e fort\u00eb e k\u00ebtij portofoli n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Dob\u00ebsia e kredis\u00eb s\u00eb bizneseve ka reflektuar nj\u00eb rikuperim t\u00eb ngadalt\u00eb t\u00eb k\u00ebrkes\u00ebs p\u00ebr kredi nga bizneset, si dhe kushtet akoma t\u00eb shtr\u00ebnguara t\u00eb kreditimit p\u00ebr biznesin e madh. Kredia p\u00ebr k\u00ebto t\u00eb fundit ka diktuar edhe trajektoren e rritjes s\u00eb moderuar t\u00eb kredis\u00eb p\u00ebr biznese, p\u00ebr shkak t\u00eb pesh\u00ebs s\u00eb madhe t\u00eb k\u00ebtij segmenti n\u00eb portofolin e kredis\u00eb s\u00eb bankave (prej 60.4%).<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-4077\" src=\"http:\/\/prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese-300x195.png\" alt=\"\" width=\"300\" height=\"195\" srcset=\"https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese-300x195.png 300w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese-225x146.png 225w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese-50x33.png 50w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese-115x75.png 115w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab.Kredia-per-Biznese.png 560w\" sizes=\"(max-width:767px) 300px, 300px\" \/><\/p>\n<p>Rritja e kredis\u00eb p\u00ebr biznese \u00ebsht\u00eb p\u00ebrcaktuar nga kreditimi n\u00eb lek\u00eb, i cili, pavar\u00ebsisht normave m\u00eb t\u00eb ngadal\u00ebsuara se n\u00eb tremujorin e par\u00eb, vijon t\u00eb rritet me ritme t\u00eb larta prej 8.4%. Zhvillimet tremujore tregojn\u00eb se rritja e portofolit t\u00eb kredis\u00eb n\u00eb lek\u00eb me 3.2 miliard\u00eb lek\u00eb nuk arriti t\u00eb kompensoj\u00eb tkurrjen e fort\u00eb, prej rreth 8.9 miliard\u00eb lek\u00ebsh t\u00eb kredis\u00eb n\u00eb valut\u00eb, p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb. Tkurrja e lart\u00eb e k\u00ebtij portofoli \u00ebsht\u00eb ndikuar ndjesh\u00ebm nga mbi\u00e7mimi i fort\u00eb i lekut ndaj monedhave euro dhe usd, ve\u00e7an\u00ebrisht n\u00eb muajt maj dhe qershor. Duke e rregulluar p\u00ebr k\u00ebt\u00eb efekt, tkurrja e kredis\u00eb n\u00eb valut\u00eb p\u00ebr biznese \u00ebsht\u00eb rreth 0.5 miliard\u00eb lek\u00eb. K\u00ebto zhvillime jan\u00eb reflektuar n\u00eb rritjen e pesh\u00ebs s\u00eb kredis\u00eb n\u00eb lek\u00eb ndaj totalit t\u00eb bizneseve n\u00eb 38.5%, ose 3.4 pp m\u00eb e lart\u00eb se muaji qershor 2016. P\u00ebrgjat\u00eb vitit t\u00eb fundit, portofoli i kredis\u00eb s\u00eb bizneseve po shfaq nj\u00eb zhvendosje t\u00eb shpejt\u00eb drejt monedh\u00ebs vendase, nxitur edhe nga normat e ul\u00ebta t\u00eb kredis\u00eb n\u00eb lek\u00eb p\u00ebr k\u00ebt\u00eb segment.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-4078\" src=\"http:\/\/prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2-300x197.png\" alt=\"\" width=\"300\" height=\"197\" srcset=\"https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2-300x197.png 300w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2-223x146.png 223w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2-50x33.png 50w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2-114x75.png 114w, https:\/\/www.prodhuesit.org\/wp-content\/uploads\/2017\/08\/Tab2.png 531w\" sizes=\"(max-width:767px) 300px, 300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sipas t\u00eb dh\u00ebnave zyrtare nga Departementi i Politik\u00ebs Monetare n\u00eb Bank\u00ebn e Shqip\u00ebris\u00eb, kredia p\u00ebr biznese sh\u00ebnoi rritje t\u00eb moderuar<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":4059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[47],"tags":[],"class_list":["post-4076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-njoftime"],"_links":{"self":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4076","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4076"}],"version-history":[{"count":1,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4076\/revisions"}],"predecessor-version":[{"id":4079,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4076\/revisions\/4079"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/media\/4059"}],"wp:attachment":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}