Rritja e interesave me synim p\u00ebr t\u00eb luftuar inflacionin e lart\u00eb duket se ka sjell\u00eb fitime t\u00eb majme p\u00ebr bankat e nivelit t\u00eb dyt\u00eb n\u00eb Shqip\u00ebri. Sipas t\u00eb dh\u00ebnave t\u00eb BSH, p\u00ebr gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti, fitimet arrit\u00ebn n\u00eb gati 150 milion\u00eb euro, me rritje 127% n\u00eb krahasim me vitin e kaluar.<\/p>\n
Nga Gjergj Erebara<\/a><\/p>\n Bankat e nivelit t\u00eb dyt\u00eb n\u00eb Shqip\u00ebri po p\u00ebrjetojn\u00eb vitin m\u00eb t\u00eb mir\u00eb n\u00eb historin\u00eb e vet sa i p\u00ebrket t\u00eb ardhurave dhe fitimeve, pasi rritja e interesave nga bankat qendrore ka sjell\u00eb rritje t\u00eb interesave t\u00eb kredive dhe t\u00eb borxhit publik, b\u00ebhet e ditur nga t\u00eb dh\u00ebnat statistikore t\u00eb publikuara nga\u00a0Banka e Shqip\u00ebris\u00eb<\/a>\u00a0s\u00eb fundmi. T\u00eb dh\u00ebnat mbi bilancet financiare t\u00eb bankave publikohen nga BSH \u00e7do tre muaj. Sipas t\u00eb dh\u00ebnave, p\u00ebr periudh\u00ebn janar-qershor, fitimet pas taksave t\u00eb bankave ishin 12.7 miliard\u00eb lek\u00eb, me rritje 127% n\u00eb krahasim me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit 2022, kur ishin 6.5 miliard\u00eb lek\u00eb.<\/p>\n Banka e Shqip\u00ebris\u00eb nisi rritjen e interesit baz\u00eb t\u00eb monedh\u00ebs komb\u00ebtare n\u00eb korrik t\u00eb vitit t\u00eb kaluar. Q\u00eb nga ajo koh\u00eb, interesi i Marr\u00ebveshjeshjeve t\u00eb Riblerjes Nj\u00ebjavore, u rrit nga 1% n\u00eb 3%. N\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, Banka Qendrore Evropiane rriti norm\u00ebn baz\u00eb t\u00eb interesit p\u00ebr euron nga zero n\u00eb 4.25%. Kjo b\u00ebri q\u00eb euribori t\u00eb rritej n\u00eb af\u00ebrsisht t\u00eb nj\u00ebjtat p\u00ebrmasa.<\/p>\n Rritja e interesave nga bankat qendrore n\u00eb shumic\u00ebn e vendeve t\u00eb zhvilluara ishte e paprecedent\u00eb q\u00eb prej shum\u00eb dekadash dhe synonte t\u00eb luftonte inflacionin anomalisht t\u00eb lart\u00eb t\u00eb vitit t\u00eb fundit. Rritja e interesave i preku bankat n\u00eb m\u00ebnyra t\u00eb ndryshme. N\u00eb SHBA, shum\u00eb prej bankave p\u00ebsuan humbje nga rritja e interesave aq sa u krijua frika p\u00ebr nj\u00eb falimentim n\u00eb mas\u00eb, nd\u00ebrsa n\u00eb\u00a0Itali<\/a>\u00a0e Shqip\u00ebri, duket se struktura e tregut ka qen\u00eb m\u00eb favorizuese p\u00ebr bankat, duke i sjell\u00eb atyre fitime dhe jo humbje.<\/p>\n N\u00eb Itali, qeveria s\u00eb fundmi vendosi nj\u00eb taks\u00eb t\u00eb jasht\u00ebzakonshme mbi fitimet e jasht\u00ebzakonshme t\u00eb bankave por u detyrua t\u00eb t\u00ebrhiqet nga kjo mas\u00eb pas reagimit negativ t\u00eb tregjeve. N\u00eb Shqip\u00ebri, bankat duket se kan\u00eb qen\u00eb p\u00ebrfituese n\u00eb shum\u00eb drejtime nga rritja e interesave. N\u00eb drejtimin e par\u00eb, praktika e biznesit t\u00eb kredive n\u00eb euro n\u00eb Shqip\u00ebri \u00ebsht\u00eb q\u00eb ato t\u00eb jepen n\u00eb p\u00ebrgjith\u00ebsi me \u00e7mim referenc\u00eb interesin\u00a0euribor<\/a>, megjith\u00ebse bankat sigurojn\u00eb pjes\u00ebn d\u00ebrrmuese t\u00eb parave t\u00eb kredituara n\u00eb form\u00ebn e depozitave brenda vendit. Kur interesi euribor u rrit, bankat pat\u00ebn p\u00ebrfitime, nd\u00ebrsa kostoja e tyre p\u00ebr sigurimin e parave t\u00eb kredituara nuk u rrit p\u00ebr shkak se burimi i paras\u00eb \u00ebsht\u00eb tregu i brendsh\u00ebm i depozitave dhe jo tregu nd\u00ebrbankar evropian.<\/p>\n E nj\u00ebjta gj\u00eb ndodhi edhe me kredit\u00eb n\u00eb lek\u00eb, ku praktika e biznesit \u00ebsht\u00eb n\u00eb p\u00ebrgjith\u00ebsi marrja p\u00ebr referenc\u00eb e interesave t\u00eb bonove t\u00eb thesarit dymb\u00ebdhjet\u00eb mujore. K\u00ebto instrumente p\u00ebsuan rritje dramatike gjat\u00eb vitit t\u00eb kaluar duke kaluar nga pak m\u00eb shum\u00eb se 1% n\u00eb janar, n\u00eb 5.8% n\u00eb gusht. Interesi i bonove 12 mujore u reduktua n\u00eb muajt n\u00eb vijim dhe aktualisht \u00ebsht\u00eb rreth 3%. Edhe n\u00eb k\u00ebt\u00eb rast, bankat duket se dol\u00ebn dyfish t\u00eb fituara, fillimisht p\u00ebr shkak se investimet e tyre n\u00eb\u00a0bono thesari<\/a>\u00a0dhe tituj t\u00eb tjer\u00eb t\u00eb borxhit publik soll\u00ebn interesa m\u00eb t\u00eb larta dhe pastaj p\u00ebr shkak se rritja e k\u00ebtyre interesave solli shtrenjtim t\u00eb kredive ekzistuese dhe t\u00eb ardhura m\u00eb t\u00eb larta p\u00ebr kreditor\u00ebt.<\/p>\n Rritja e interesave solli p\u00ebrfitim t\u00eb pjessh\u00ebm edhe p\u00ebr depozituesit. Sipas t\u00eb dh\u00ebnave t\u00eb BSH, shpenzimet e bankave p\u00ebr interesa, ku p\u00ebrfshihen shpenzimet p\u00ebr interesat e paguara p\u00ebr depozita, u rrit\u00ebn me 55% gjat\u00eb gjasht\u00ebmujorit t\u00eb par\u00eb t\u00eb k\u00ebtij viti, rit\u00ebm ky m\u00eb i shpejt\u00eb se sa ai i t\u00eb ardhurave nga interesat q\u00eb ishte 37%.<\/p>\n N\u00eb total, bankat paguan 6.3 miliard\u00eb lek\u00eb interesa p\u00ebr depozitat dhe ark\u00ebtuan 39.5 miliard\u00eb lek\u00eb t\u00eb ardhura nga interesat, ku p\u00ebrfshihen interesat e kredive t\u00eb dh\u00ebna apo e titujve t\u00eb borxhit t\u00eb blera.<\/p>\n","protected":false},"excerpt":{"rendered":" Rritja e interesave me synim p\u00ebr t\u00eb luftuar inflacionin e lart\u00eb duket se ka sjell\u00eb fitime t\u00eb majme p\u00ebr bankat e nivelit t\u00eb dyt\u00eb n\u00eb Shqip\u00ebri. Sipas t\u00eb dh\u00ebnave t\u00eb BSH, p\u00ebr gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti, fitimet arrit\u00ebn n\u00eb gati 150 milion\u00eb euro, me rritje 127% n\u00eb krahasim me vitin e kaluar. Nga …<\/p>\n","protected":false},"author":4,"featured_media":53517,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[46],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/53516"}],"collection":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/comments?post=53516"}],"version-history":[{"count":0,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/53516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media\/53517"}],"wp:attachment":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media?parent=53516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/categories?post=53516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/tags?post=53516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}