Vitin e ardhsh\u00ebm, bankat tregtare do t\u00eb p\u00ebrballen me nj\u00eb tjet\u00ebr rritje t\u00eb k\u00ebrkesave rregullatore p\u00ebr kapital. Duke filluar nga data 1 janar 2023, bankat duhet t\u00eb p\u00ebrmbushin nivelin e ri t\u00eb shtes\u00ebs konservuese t\u00eb kapitalit, q\u00eb do t\u00eb arrij\u00eb n\u00eb 2%, nga 1.5% q\u00eb \u00ebsht\u00eb aktualisht.<\/p>\n
Shtesat markoprudenciale t\u00eb kapitalit i shtohen k\u00ebrkesave rregullatore baz\u00eb t\u00eb kapitalizimit t\u00eb bankave, q\u00eb p\u00ebrcaktohen n\u00eb rregulloren \u201cP\u00ebr mjaftueshm\u00ebrin\u00eb e kapitalit\u201d.<\/p>\n
Nga 12% q\u00eb \u00ebsht\u00eb kufiri minimal i mjaftueshm\u00ebris\u00eb s\u00eb kapitalit, me shtes\u00ebn konservuese prej 1.5% ky kufi ka arritur n\u00eb 13.5%, nd\u00ebrsa prej 1 janarit 2023 do t\u00eb arrij\u00eb n\u00eb 14%. Shtesa konservuese do t\u00eb vazhdoj\u00eb t\u00eb rritet me 0.5% \u00e7do vit, deri n\u00eb vitin 2024.<\/p>\n
Por, k\u00ebrkesat e kapitalizimit jan\u00eb edhe m\u00eb t\u00eb larta p\u00ebr nj\u00eb grup t\u00eb ve\u00e7ant\u00eb bankash, t\u00eb klasifikuara me r\u00ebnd\u00ebsi sistemike. K\u00ebtu p\u00ebrfshihen pes\u00eb bankat m\u00eb t\u00eb m\u00ebdha n\u00eb vend: Banka Komb\u00ebtare Tregtare (BKT), Banka Credins, Banka Raiffeisen, Banka Intesa Sanpaolo, dhe Banka OTP Albania. Aktualisht, BKT ka nj\u00eb k\u00ebrkes\u00eb shtes\u00eb n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit prej 1.5% (n\u00eb total 15%), Credins dhe Raiffeisen jan\u00eb t\u00eb detyruara t\u00eb plot\u00ebsojn\u00eb nj\u00eb raport t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit 1% m\u00eb t\u00eb lart\u00eb se bankat e tjera (n\u00eb total 14.5%), nd\u00ebrsa Intesa Sanpaolo dhe OTP 0.5% m\u00eb shum\u00eb se bankat e tjera (n\u00eb total 14%).<\/p>\n
P\u00ebrtej detyrimit rregullator, faktikisht shumica e bankave jan\u00eb edhe sot sip\u00ebr k\u00ebrkesave minimale rregullatore. N\u00eb fund t\u00eb tremujorit I 2022, raporti mesatar i mjaftueshm\u00ebris\u00eb s\u00eb kapitalit p\u00ebr sektorin bankar ishte 17.95%.<\/p>\n
Rregullorja p\u00ebr shtesat makroprudenciale t\u00eb kapitalit u miratua q\u00eb n\u00eb mesin e vitit 2019 dhe ato do t\u00eb aplikohen gradualisht deri n\u00eb vitin 2024. K\u00ebrkesat p\u00ebr nj\u00eb kapitalizim m\u00eb t\u00eb lart\u00eb t\u00eb bankave jan\u00eb n\u00eb linj\u00eb me masat e marra nga institucionet mbik\u00ebqyr\u00ebse homologe n\u00eb Europ\u00eb pas kriz\u00ebs financiare dhe synojn\u00eb t\u00eb rrisin rezistenc\u00ebn e bankave tregtare kundrejt rreziqeve t\u00eb mundshme n\u00eb t\u00eb ardhmen.<\/p>\n
Por, nga ana tjet\u00ebr, k\u00ebto k\u00ebrkesa mund t\u00eb ken\u00eb ndikim frenues n\u00eb vendimmarrjen e bankave t\u00eb ve\u00e7anta p\u00ebr t\u00eb rritur kreditimin, por ndoshta mund t\u00eb ndikojn\u00eb edhe \u00e7mimin e produkteve bankare. P\u00ebrball\u00eb trysnis\u00eb p\u00ebr t\u00eb rritur periodikisht kapitalizimin e tyre, bankat mund t\u00eb priren t\u00eb rritin marzhet, p\u00ebr t\u00eb siguruar nj\u00eb p\u00ebrfitueshm\u00ebri m\u00eb t\u00eb lart\u00eb.<\/p>\n
Sektori bankar ka shfaqur pak\u00ebnaq\u00ebsi t\u00eb hapura p\u00ebr shtesat makroprudenciale, duke i cil\u00ebsuar ato si t\u00eb tepruara dhe barr\u00eb shtes\u00eb p\u00ebr aktivitetin e bankave tregtare. Bankat argumentojn\u00eb se Bashkimi Europian i aplikon shtesat makroprudenciale sip\u00ebr nj\u00eb niveli baz\u00eb t\u00eb Raportit t\u00eb Majftueshm\u00ebris\u00eb s\u00eb Kapitalit prej 8%, nd\u00ebrsa Shqip\u00ebria ka nj\u00eb nivel baz\u00eb 50% m\u00eb t\u00eb lart\u00eb, n\u00eb 12%. P\u00ebr t\u00eb qen\u00eb n\u00eb linj\u00eb me k\u00ebrkesat e shtuara rregullatore, vitet e fundit disa prej bankave po p\u00ebrdorin edhe instrumente t\u00eb kapitalit rregullator shtes\u00eb, si obligacionet korporative me ofert\u00eb private.<\/p>\n
N\u00eb diskutimet mes pal\u00ebve, Banka e Shqip\u00ebris\u00eb ka l\u00ebn\u00eb t\u00eb kuptohet se k\u00ebrkesa baz\u00eb e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit mund t\u00eb ulet n\u00eb nivelet e BE-s\u00eb vet\u00ebm pasi t\u00eb jet\u00eb certifikuar ekuivalenca e mbik\u00ebqyrjes. Ekuivalenca e mbik\u00ebqyrjes duhet t\u00eb certifikohet nga organizmi mbik\u00ebqyr\u00ebs i BE-s\u00eb, Autoriteti Bankar Europian (EBA), por ky proces ende nuk nj\u00eb afat t\u00eb p\u00ebrcaktuar.<\/p>\n
Megjithat\u00eb, vitin e kaluar Banka e Shqip\u00ebris\u00eb ka kryer nj\u00eb vler\u00ebsim t\u00eb pavarur t\u00eb ekuivalenc\u00ebs s\u00eb kuadrit mbik\u00ebqyr\u00ebs dhe rregullativ, sipas metodologjis\u00eb s\u00eb publikuar nga EBA, me asistenc\u00ebn teknike t\u00eb Bank\u00ebs Evropiane p\u00ebr Zhvillim dhe Rind\u00ebrtim (EBRD) dhe PricewaterhouseCooper (PwC). Analiz\u00eb, q\u00eb p\u00ebrfundoi n\u00eb dhjetor t\u00eb vitit 2021, doli n\u00eb p\u00ebrfundimin se kuadri rregullativ e procedurial, si dhe praktikat mbik\u00ebqyr\u00ebse, jan\u00eb n\u00eb nj\u00eb nivel t\u00eb lart\u00eb ekuivalence (af\u00ebrsisht n\u00eb mas\u00ebn 80%) dhe t\u00eb p\u00ebrafruara me standardet e aplikueshme n\u00eb vendet e BE-s\u00eb. Ky p\u00ebrafrim vler\u00ebsohet ve\u00e7an\u00ebrisht i lart\u00eb n\u00eb drejtim t\u00eb k\u00ebrkesave p\u00ebr kapital, teknikave t\u00eb zbutjes t\u00eb aplikuara, ekspozimeve t\u00eb m\u00ebdha, t\u00eb likuiditetit, lev\u00ebs financiare, t\u00eb mbik\u00ebqyrjes makroprudenciale, sekretit profesional dhe bashk\u00ebpunimit nd\u00ebrkomb\u00ebtar.<\/p>\n
Ceritifikimi i ekuivalenc\u00ebs s\u00eb mbik\u00ebqyrjes n\u00eb teori mund ta b\u00ebj\u00eb m\u00eb t\u00ebrheq\u00ebs tregun shqiptar p\u00ebr investime t\u00eb reja nga grupet bankare t\u00eb Eurozon\u00ebs, por mund t\u00eb ndikoj\u00eb pozitivisht edhe strategjit\u00eb e biznesit t\u00eb grupeve bankare ekzistuese n\u00eb treg. \/ Marr\u00eb nga\u00a0Monitor.al<\/p>\n","protected":false},"excerpt":{"rendered":"
Vitin e ardhsh\u00ebm, bankat tregtare do t\u00eb p\u00ebrballen me nj\u00eb tjet\u00ebr rritje t\u00eb k\u00ebrkesave rregullatore p\u00ebr kapital. Duke filluar nga data 1 janar 2023, bankat duhet t\u00eb p\u00ebrmbushin nivelin e ri t\u00eb shtes\u00ebs konservuese t\u00eb kapitalit, q\u00eb do t\u00eb arrij\u00eb n\u00eb 2%, nga 1.5% q\u00eb \u00ebsht\u00eb aktualisht. Shtesat markoprudenciale t\u00eb kapitalit i shtohen k\u00ebrkesave rregullatore […]<\/p>\n","protected":false},"author":2020,"featured_media":274523,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5380,231],"tags":[],"class_list":{"0":"post-274510","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\/sq\/wp-json\/wp\/v2\/posts\/274510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2020"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=274510"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/274510\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/274523"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=274510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=274510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=274510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}