Autoriteti i Konkurrenc\u00ebs njoftoi hapjen e procedur\u00ebs s\u00eb hetimit t\u00eb thelluar n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Komb\u00ebtare Tregtare. NOA k\u00ebrkoi nj\u00eb q\u00ebndrim zyrtar nga BKT lidhur me k\u00ebt\u00eb hetim q\u00eb ka vendosur t\u00eb kryej\u00eb AK. P\u00ebrfaq\u00ebsuesit e BKT pasi u njoh\u00ebn me k\u00ebrkes\u00ebn e NOA.al, dhe deklaruan se nuk do t\u00eb b\u00ebjn\u00eb momentalisht nj\u00eb koment mbi k\u00ebt\u00eb hetim<\/p>\n
Autoriteti i Konkurrenc\u00ebs (AK) ka marr\u00eb m\u00eb 31 janar 2019 nj\u00eb vendim p\u00ebr hapjen e procedur\u00ebs s\u00eb hetimit t\u00eb thelluar n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Komb\u00ebtare Tregtare, raporton noa.al duke cituar burime zyrtare nga ky Autoritet. Hetimi i thelluar do t\u00eb b\u00ebhet p\u00ebr t\u00eb par\u00eb n\u00ebse BKT si nj\u00eb nd\u00ebr m\u00eb t\u00eb m\u00ebdhat\u00eb n\u00eb vend dhe disa banka t\u00eb tjera kan\u00eb shkelur rregullat e vendosura nga ligji \u201cP\u00ebr Konkurrenc\u00ebn\u201d n\u00eb ve\u00e7anti neni 4 \u201cMarr\u00ebveshje t\u00eb Ndaluara\u201d dhe neni 9 \u201cAbuzim me Pozit\u00ebn Dominuese n\u00eb Treg\u201d. N\u00ebse gjenden fajtore, bankat mund t\u00eb gjobiten me deri 10% t\u00eb xhiros s\u00eb tyre vjetore.<\/p>\n
Sipas vendimit, hetimi do t\u00eb analizoj\u00eb \u201cLlogarit\u00eb rrjedh\u00ebse; Depozita me\/pa afat; Kredi konsumatore; Kredi Kufi (OVD); Kredi hipotekore; Transferta Bankare t\u00eb ofruara nga bankat e nivelit t\u00eb dyt\u00eb n\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb\u201d.<\/p>\n
NOA k\u00ebrkoi nj\u00eb q\u00ebndrim zyrtar nga BKT lidhur me k\u00ebt\u00eb hetim q\u00eb ka vendosur t\u00eb kryej\u00eb AK. P\u00ebrfaq\u00ebsuesit e BKT pasi u njoh\u00ebn me k\u00ebrkes\u00ebn e NOA.al, deklaruan se nuk do t\u00eb b\u00ebjn\u00eb momentalisht nj\u00eb koment mbi k\u00ebt\u00eb hetim.<\/p>\n
Sakaq AK b\u00ebn t\u00eb ditur se \u00ebsht\u00eb kryer m\u00eb her\u00ebt gjat\u00eb 2018 dhe nj\u00eb hetim paraprak, rezultatet e t\u00eb cilit kan\u00eb nxitur AK t\u00eb vendos\u00eb p\u00ebr hetim t\u00eb thelluar.<\/p>\n
M\u00eb her\u00ebt ishte Komisioni i Konkurrenc\u00ebs q\u00eb mori n\u00eb shqyrtim raportin mbi hetimin paraprak n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Komb\u00ebtare Tregtare dhe banka t\u00eb tjera t\u00eb nivelit t\u00eb dyt\u00eb.<\/p>\n
M\u00ebsohet se Grupi i Inspektimit gjat\u00eb periudh\u00ebs s\u00eb hetimit kreu inspektimet e nevojshme, duke marr\u00eb shpjegime p\u00ebr fakte dhe dokumente q\u00eb lidhen me objektin dhe q\u00ebllimin e hetimit nga p\u00ebrfaq\u00ebsuesit e nd\u00ebrmarrjeve.<\/p>\n
P\u00ebr mbledhjen e fakteve dhe t\u00eb dh\u00ebnave t\u00eb nevojshme n\u00eb lidhje me hetimin, jan\u00eb k\u00ebrkuar t\u00eb dh\u00ebna dhe informacion nga t\u00eb gjitha bankat q\u00eb ushtrojn\u00eb aktivitet n\u00eb treg.<\/p>\n
Analiza e konkurrenc\u00ebs<\/p>\n
N\u00eb zbatim t\u00eb Ligjit Nr. 9121\/2003, tregu p\u00ebrkat\u00ebs p\u00ebrb\u00ebhet nga \u201cproduktet q\u00eb vler\u00ebsohen si t\u00eb z\u00ebvend\u00ebsueshme nga konsumator\u00ebt ose klient\u00ebt e tjer\u00eb, p\u00ebr sa u p\u00ebrket karakteristikave, \u00e7mimit dhe funksionimit t\u00eb tyre dhe q\u00eb ofrohen ose k\u00ebrkohen nga nd\u00ebrmarrjet n\u00eb nj\u00eb zon\u00eb gjeografike me kushte t\u00eb nj\u00ebjta konkurrence, zon\u00eb kjo e cila ve\u00e7ohet nga zonat e tjera kufizuese\u201d.<\/p>\n
P\u00ebrkufizimi i tregut p\u00ebrkat\u00ebs p\u00ebrfshin dy dimensione: a) Tregun e produkteve b) Tregun gjeografik 5. P\u00ebrcaktimi i tregut si n\u00eb dimensionin e produktit dhe at\u00eb gjeografik, b\u00ebhet me q\u00ebllim q\u00eb t\u00eb identifikohen konkurrent\u00ebt aktual\u00eb dhe potencial\u00eb t\u00eb nd\u00ebrmarrjeve q\u00eb jan\u00eb t\u00eb p\u00ebrfshir\u00eb n\u00eb at\u00eb treg, sjelljen e k\u00ebtyre nd\u00ebrmarrjeve, llogaritjen e pjes\u00ebve t\u00eb tregut, p\u00ebrcaktimin e fuqis\u00eb s\u00eb nd\u00ebrmarrjes, struktur\u00ebn e tregut, shkall\u00ebn e p\u00ebrqendrimit me q\u00ebllim vler\u00ebsimin e konkurrenc\u00ebs n\u00eb treg.<\/p>\n
P\u00ebr t\u00eb vler\u00ebsuar tregun p\u00ebrkat\u00ebs t\u00eb produktit \u00ebsht\u00eb analizuar z\u00ebvend\u00ebsueshm\u00ebria nga ana e ofert\u00ebs, z\u00ebvend\u00ebsueshm\u00ebria nga ana e k\u00ebrkes\u00ebs, barrierat n\u00eb hyrje\/zgjerimit, konkurrenca potenciale.<\/p>\n
Tregjet p\u00ebrkat\u00ebse t\u00eb produktit do t\u00eb p\u00ebrfshijn\u00eb: Llogarit\u00eb rrjedh\u00ebse; Depozita me\/pa afat; Kredi konsumatore; Kredi Kufi (OVD); Kredi hipotekore; Transferta Bankare t\u00eb ofruara nga bankat e nivelit t\u00eb dyt\u00eb n\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/p>\n
Tregu p\u00ebrkat\u00ebs gjeografik<\/strong><\/p>\n Tregu gjeografik p\u00ebrfshin zon\u00ebn n\u00eb t\u00eb cil\u00ebn nd\u00ebrmarrjet ofrojn\u00eb dhe k\u00ebrkojn\u00eb produkte dhe\/ose sh\u00ebrbime, n\u00eb t\u00eb cil\u00ebn kushtet e konkurrenc\u00ebs jan\u00eb homogjene. Meqen\u00ebse bankat e nivelit t\u00eb dyt\u00eb jan\u00eb prezente n\u00eb t\u00eb gjith\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb si treg gjeografik p\u00ebrcaktohet tregu i Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/p>\n Barrierat e hyrjes dhe zgjerimit<\/strong><\/p>\n Banka e Shqip\u00ebris\u00eb \u00ebsht\u00eb autoriteti i vet\u00ebm p\u00ebrgjegj\u00ebs p\u00ebr licencimin e bankave dhe t\u00eb deg\u00ebve t\u00eb bankave t\u00eb huaja p\u00ebr t\u00eb ushtruar veprimtari bankare dhe veprimtari t\u00eb tjera financiare, n\u00eb p\u00ebrputhje me ligjin “P\u00ebr bankat n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb”.<\/p>\n ***<\/p>\n Bankat ofrojn\u00eb nj\u00eb num\u00ebr t\u00eb konsideruesh\u00ebm t\u00eb produkteve dhe sh\u00ebrbimeve bankare. Edhe pse shumica e k\u00ebtyre produkteve hyjn\u00eb n\u00eb grupin e sh\u00ebrbimeve klasike bankare, vitet e fundit bankat kan\u00eb filluar zgjerimin gam\u00ebs s\u00eb sh\u00ebrbimeve t\u00eb tyre me disa risi p\u00ebr tregun.<\/p>\n Produktet dhe sh\u00ebrbimet bankare jan\u00eb grupuar n\u00eb: Llogari rrjedh\u00ebse; Depozita me\/pa afat; Kredi konsumatore; Kredi Kufi; Kredi hipotekore; Transferta Bankare.<\/p>\n Depozitat jan\u00eb produkte n\u00ebp\u00ebrmjet t\u00eb cilave bankat sigurojn\u00eb likuiditetet monetare kurse klienti depoziton mjetet e tij t\u00eb lira kundrejt p\u00ebrfitimit t\u00eb interesave. Portofoli i depozit\u00ebs p\u00ebr periudh\u00ebn hetimore \u00ebsht\u00eb shoq\u00ebruar me trend rrit\u00ebs, nga ku konstatohet se portofoli i depozitave gjat\u00eb vitit 2016 ka qen\u00eb rreth disa miliard lek\u00eb m\u00eb i lart\u00eb se viti 2015, trend ky n\u00eb rritje edhe gjat\u00eb vitit 2017. Sipas struktur\u00ebs s\u00eb tregut, vihet re se bankat objekt hetimi jan\u00eb bankat me vler\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb portofolit t\u00eb depozitave. Treguesi i Hershman Herfindalit tregon p\u00ebr nj\u00eb treg mesatarisht t\u00eb p\u00ebrqendruar ku vlera e pjes\u00ebs s\u00eb tregut p\u00ebr tre dhe kat\u00ebr bankat m\u00eb t\u00eb m\u00ebdha (CR3 dhe CR4) jan\u00eb t\u00eb pandryshueshme pas vitit 2016.<\/p>\n AK thot\u00eb se BKT, ka ndryshime t\u00eb pjes\u00ebve t\u00eb tregut n\u00eb vlera relativisht t\u00eb vogla duke ruajtur renditjen n\u00eb treg dhe q\u00ebndrueshm\u00ebrin\u00eb e pjes\u00ebve t\u00eb tregut.<\/p>\n Nga analiza e portofolit t\u00eb depozitave, konstatohet ngurt\u00ebsim t\u00eb pjes\u00ebs s\u00eb tregut q\u00eb zot\u00ebron secila bank\u00eb n\u00eb portofolin e depozitave.\/NOA.al<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Autoriteti i Konkurrenc\u00ebs njoftoi hapjen e procedur\u00ebs s\u00eb hetimit t\u00eb thelluar n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Komb\u00ebtare Tregtare. NOA k\u00ebrkoi nj\u00eb q\u00ebndrim zyrtar nga BKT lidhur me k\u00ebt\u00eb hetim q\u00eb ka vendosur t\u00eb kryej\u00eb AK. P\u00ebrfaq\u00ebsuesit e BKT pasi u njoh\u00ebn me k\u00ebrkes\u00ebn e NOA.al, dhe deklaruan se nuk do t\u00eb b\u00ebjn\u00eb momentalisht nj\u00eb koment […]<\/p>\n","protected":false},"author":13,"featured_media":66632,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,231,235],"tags":[],"class_list":{"0":"post-66629","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-lajme","9":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/66629","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\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=66629"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/66629\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/66632"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=66629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=66629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=66629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}