Vitin e kaluar, sektori bankar u tregua i aft\u00eb t\u00eb tejkalonte pa shum\u00eb dhembje efektet e pandemis\u00eb. Fitimi arriti vlerat m\u00eb t\u00eb larta historike, huaja dhe depozitat sh\u00ebnuan rritjen m\u00eb t\u00eb lart\u00eb n\u00eb nj\u00eb dekad\u00eb dhe kredit\u00eb me probleme, nivelin m\u00eb t\u00eb ul\u00ebt n\u00eb 14 vjet. Megjithat\u00eb, \u201cstuhia\u201d inflacioniste e ka v\u00ebn\u00eb shum\u00eb shpejt ekonomin\u00eb dhe sektorin bankar para sfidave, rreziqeve t\u00eb reja dhe normave n\u00eb rritje t\u00eb interesit.<\/p>\n
Ersuin Shehu<\/p>\n
N\u00eb treguesit kryesor\u00eb, viti 2021 ishte m\u00eb i miri p\u00ebr sektorin bankar shqiptar n\u00eb t\u00eb pakt\u00ebn nj\u00eb dekad\u00eb. Mb\u00ebshtetur n\u00eb raportimet paraprake, sipas Standardeve Nd\u00ebrkomb\u00ebtare t\u00eb Raportimit Financiar, t\u00eb publikuar nga Shoqata Shqiptare e Bankave, aktivet e sistemit bankar u rrit\u00ebn me 11.7% gjat\u00eb vitit t\u00eb kaluar, rit\u00ebm ky m\u00eb i lart\u00eb se zgjerimi prej 7% i vitit 2020.<\/p>\n
N\u00eb fund t\u00eb vitit 2021, aktivet e sektorit bankar arrit\u00ebn n\u00eb 1.78 trilion\u00eb lek\u00eb, af\u00ebrsisht sa 100% e Prodhimit t\u00eb Brendsh\u00ebm Bruto (mb\u00ebshtetur n\u00eb vler\u00ebsimet tremujore t\u00eb INSTAT), n\u00eb rritje t\u00eb leht\u00eb nga niveli prej 97% i nj\u00eb viti m\u00eb par\u00eb. Rritja e vitit 2021, n\u00eb terma real\u00eb u ngadal\u00ebsua n\u00eb raport me vitin paraardh\u00ebs.<\/p>\n
Por, kjo diferenc\u00eb u p\u00ebrcaktua kryesisht nga luhatja e fort\u00eb q\u00eb p\u00ebsoi Prodhimi i Brendsh\u00ebm Bruto prej pandemis\u00eb, me nj\u00eb r\u00ebnie t\u00eb ndjeshme prej 3.5% n\u00eb vitin 2020 dhe me nj\u00eb rritje t\u00eb lart\u00eb prej 8.5% (sipas vler\u00ebsimeve paraprake) p\u00ebr vitin 2021.<\/p>\n
Portofoli neto i kredis\u00eb regjistroi rritjen m\u00eb t\u00eb shpejt\u00eb t\u00eb dekad\u00ebs s\u00eb fundit dhe arriti vler\u00ebn e 648 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 11.8%. N\u00eb terma real\u00eb, kredia p\u00ebrb\u00ebn rreth 36.3% t\u00eb PBB-s\u00eb, nga 35.2% nj\u00eb vit m\u00eb par\u00eb. Fitimi neto, n\u00eb vler\u00eb absolute, ishte m\u00eb i larti n\u00eb historin\u00eb e sektorit, nd\u00ebrsa kthimi nga kapitali u p\u00ebrmir\u00ebsua krahasuar me vitin 2020, por nuk \u00ebsht\u00eb ende n\u00eb nivelet e viteve m\u00eb t\u00eb mira.<\/p>\n
Konsolidimi i sektorit dhe ulja e numrit t\u00eb bankave duket se po jep efektet e para pozitive, me m\u00eb shum\u00eb oreks p\u00ebr rrezik dhe m\u00eb shum\u00eb ambicie p\u00ebr t\u2019u rritur mes bankave t\u00eb sektorit. Bankat po zgjerojn\u00eb m\u00eb tej infrastruktur\u00ebn e sh\u00ebrbimeve dixhitale, madje edhe numri i deg\u00ebve i \u00ebsht\u00eb kthyer rritjes.<\/p>\n
Rezultati i p\u00ebrbashk\u00ebt i 12 bankave t\u00eb sistemit p\u00ebr vitin 2021 ishte pozitiv, n\u00eb vler\u00ebn e 19 miliard\u00eb lek\u00ebve, n\u00eb rritje me 35% krahasuar me nj\u00eb vit m\u00eb par\u00eb dhe po i nj\u00ebjti zgjerim n\u00eb raport me 2019-n. Ky \u00ebsht\u00eb fitimi m\u00eb i lart\u00eb vjetor, i raportuar ndonj\u00ebher\u00eb nga sektori bankar n\u00eb Shqip\u00ebri.<\/p>\n
Gjat\u00eb vitit 2020, rezultati financiar ishte ndikuar ndjesh\u00ebm nga shpenzimet m\u00eb t\u00eb ul\u00ebta p\u00ebr provigjonime p\u00ebr shkak t\u00eb moratoriumit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr ngritjen e pagesave t\u00eb k\u00ebsteve p\u00ebr bizneset dhe individ\u00ebt e prekur nga situata e Covid-19, duke b\u00ebr\u00eb q\u00eb bankat t\u00eb ken\u00eb m\u00eb pak shpenzime provigjionimi se do t\u00eb kishin normalisht.<\/p>\n
Vitin e kaluar, rim\u00ebk\u00ebmbja e shpejt\u00eb e ekonomis\u00eb dhe pasojat minimale n\u00eb cil\u00ebsin\u00eb e portofolit t\u00eb kredis\u00eb soll\u00ebn r\u00ebnie t\u00eb provigjioneve dhe p\u00ebrmir\u00ebsim t\u00eb rezultatit financiar. Edhe sipas standardeve t\u00eb mbik\u00ebqyrjes s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, fitimi neto p\u00ebr vitin 2021 ishte edhe m\u00eb i lart\u00eb, me rreth 21.6 miliard\u00eb lek\u00eb, n\u00eb rritje me 28% krahasuar me vitin 2020. Efektin kryesor e dha rritja e t\u00eb ardhurave neto nga interesat me 7.5% dhe r\u00ebnia e shpenzimeve p\u00ebr provigjione, me 77%.<\/p>\n
Megjith\u00ebse n\u00eb vler\u00eb absolute, fitimi ka arritur nivele rekord, kthimi nga investimi, nuk \u00ebsht\u00eb ende n\u00eb nivelin e parakrizes. P\u00ebr vitin 2021, kthimi nga kapitali aksioner (ROE) sh\u00ebnoi nivelin 11.36%, n\u00eb rritje nga niveli 8.63% i vitit 2020, por ende m\u00eb i ul\u00ebt n\u00eb raport me vitin 2019, p\u00ebrpara pandemis\u00eb, kur sh\u00ebnonte nivelin 12.03%. Rritja graduale e k\u00ebrkesave p\u00ebr kapital ndaj bankave, q\u00eb ka nisur t\u00eb aplikohet prej vitit 2018, e b\u00ebn t\u00eb v\u00ebshtir\u00eb arritjen e kthimeve shum\u00eb t\u00eb larta, megjithat\u00eb \u201cngush\u00ebllimi\u201d \u00ebsht\u00eb se p\u00ebr vitin e kaluar, treguesi ROE u kthye n\u00eb nivele dyshifrore.\/Marr\u00eb nga: Monitor<\/p>","protected":false},"excerpt":{"rendered":"
Vitin e kaluar, sektori bankar u tregua i aft\u00eb t\u00eb tejkalonte pa shum\u00eb dhembje efektet e pandemis\u00eb. Fitimi arriti vlerat m\u00eb t\u00eb larta historike, huaja dhe depozitat sh\u00ebnuan rritjen m\u00eb t\u00eb lart\u00eb n\u00eb nj\u00eb dekad\u00eb dhe kredit\u00eb me probleme, nivelin m\u00eb t\u00eb ul\u00ebt n\u00eb 14 vjet. Megjithat\u00eb, \u201cstuhia\u201d inflacioniste e ka v\u00ebn\u00eb shum\u00eb shpejt ekonomin\u00eb […]<\/p>\n","protected":false},"author":2020,"featured_media":253411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5380,231],"tags":[],"class_list":{"0":"post-253410","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-kryesore","9":"category-lajme"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/253410","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/users\/2020"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=253410"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/253410\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/253411"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=253410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=253410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=253410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}