Banka e Shqip\u00ebris\u00eb po studion masa t\u00eb reja p\u00ebr t\u2019iu p\u00ebrgjigjur nj\u00eb rritjeje t\u00eb mundshme t\u00eb raportit t\u00eb kredive me probleme gjat\u00eb vitit 2021.<\/p>\n\n\n\n
N\u00eb nj\u00eb intervist\u00eb p\u00ebr revist\u00ebn \u201cMonitor\u201d, ky institucion u shpreh se dy nga masat e mundshme mund t\u00eb jen\u00eb shkurtimi i afatit t\u00eb fshirjes s\u00eb kredive t\u00eb humbura, si edhe zgjatja e afatit t\u00eb rregullores s\u00eb ristrukturimit jasht\u00ebgjyq\u00ebsor t\u00eb kredive t\u00eb k\u00ebqija n\u00eb m\u00eb shum\u00eb se nj\u00eb bank\u00eb.<\/p>\n\n\n\n
Fshirja e kredive t\u00eb humbura ka qen\u00eb masa me ndikimin kryesor n\u00eb uljen e raportit t\u00eb kredive me problemeve gjat\u00eb pes\u00eb viteve t\u00eb fundit. N\u00eb vitin 2015, Banka e Shqip\u00ebris\u00eb miratoi nj\u00eb rregullore q\u00eb detyronte bankat t\u00eb nxirrnin jasht\u00eb bilancit kredit\u00eb e klasifikuara t\u00eb humbura prej m\u00eb shum\u00eb se pes\u00eb vjet\u00ebsh. Gjithsej, q\u00eb nga fillimi i procesit t\u00eb fshirjes, n\u00eb janar 2015, jan\u00eb fshir\u00eb 65 miliard\u00eb lek\u00eb ose rreth 525 milion\u00eb euro kredi t\u00eb humbura. Vlera e kredive t\u00eb fshira \u00ebsht\u00eb sa rreth 130% e vler\u00ebs aktuale t\u00eb kredive me probleme dhe jep nj\u00eb ide t\u00eb qart\u00eb t\u00eb ndikimit t\u00eb madh q\u00eb fshirjet kan\u00eb pasur n\u00eb pastrimin e portofolave t\u00eb sektorit bankar.<\/p>\n\n\n\n
N\u00eb p\u00ebrpjekje p\u00ebr t\u00eb nxitur pastrimin e m\u00ebtejsh\u00ebm t\u00eb portofolave, Banka e Shqip\u00ebris\u00eb vendosi prej fillimit t\u00eb vitit 2020 shkurtimin e afatit p\u00ebr nxjerrjen jasht\u00eb bilancit t\u00eb kredive t\u00eb humbura, nga tre vjet n\u00eb dy vjet. Kjo mund t\u2019i ket\u00eb dh\u00ebn\u00eb nj\u00eb shtys\u00eb t\u00eb re fshirjeve, sidomos n\u00eb muajin dhjetor, q\u00eb \u00ebsht\u00eb periudha kur bankat zakonisht nd\u00ebrmarrin pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb tyre. K\u00ebt\u00eb vit, Banka e Shqip\u00ebris\u00eb mund t\u00eb konsideroj\u00eb nj\u00eb shkurtim t\u00eb m\u00ebtejsh\u00ebm t\u00eb k\u00ebtij afati, me q\u00ebllim pastrimin e m\u00ebtejsh\u00ebm t\u00eb kredive t\u00eb humbura nga portofoli i bankave.<\/p>\n\n\n\n
Rregullorja q\u00eb u prezantuar si \u201cQasja e Tiran\u00ebs\u201d, \u201cP\u00ebr trajtimin jasht\u00ebgjyq\u00ebsor nga bankat, t\u00eb kredimarr\u00ebsve n\u00eb v\u00ebshtir\u00ebsi financiare\u201d u miratua p\u00ebr her\u00eb t\u00eb par\u00eb n\u00eb muajin korrik 2019. Objekti i k\u00ebsaj rregulloreje ishte trajtimi i kredive korporative me ekspozim n\u00eb disa banka tregtare, n\u00eb shuma m\u00eb t\u00eb m\u00ebdha se 250 milion\u00eb lek\u00eb. Rregullorja krijoi nj\u00eb kuad\u00ebr q\u00eb bankat kreditore t\u00eb vepronin n\u00eb marr\u00ebveshje dhe pa nd\u00ebrmarr\u00eb veprime t\u00eb nj\u00ebanshme kundrejt atyre bizneseve q\u00eb do t\u00eb vler\u00ebsoheshin t\u00eb afta p\u00ebr t\u00eb mbijetuar, me masat dhe mb\u00ebshtetjen e duhur huadh\u00ebn\u00ebsve. Masat p\u00ebr trajtimin jasht\u00ebgjyq\u00ebsor mund t\u00eb jen\u00eb zgjatja e afatit t\u00eb kredis\u00eb, dh\u00ebnia e financimeve shtes\u00eb, likuidimi i aktiviteteve dyt\u00ebsore t\u00eb huamarr\u00ebsit, rritjen e kapitalit n\u00ebp\u00ebrmjet financimit, kryerja e ndryshimeve n\u00eb struktur\u00ebn dhe m\u00ebnyr\u00ebn e drejtimit t\u00eb subjektit, shitja e pasurive t\u00eb tij, konvertim i borxhit n\u00eb kapital, etj.<\/p>\n\n\n\n
Rregullorja ishte konceptuar si nj\u00eb zgjidhje e p\u00ebrkohshme p\u00ebr t\u00eb trajtuar rastet e disa huamarr\u00ebsve t\u00eb m\u00ebdhenj ekzistues dhe do t\u00eb ishte e vlefshme deri n\u00eb fund t\u00eb vitit 2020. Por, n\u00eb maj t\u00eb vitit 2020, n\u00eb kuadrin e masave p\u00ebr zbutjen e pasojave t\u00eb kriz\u00ebs, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosi t\u00eb shtyj\u00eb efektet e rregullores deri n\u00eb muajin janar 2022. Q\u00ebllimi i shtyrjes ishte q\u00eb bankat t\u00eb kishin nj\u00eb hap\u00ebsir\u00eb m\u00eb t\u00eb madhe kohore t\u00eb gjejn\u00eb nj\u00eb zgjidhje t\u00eb p\u00ebrshtatshme p\u00ebr huamarr\u00ebsit e p\u00ebrbashk\u00ebt n\u00eb v\u00ebshtir\u00ebsi financiare.<\/p>\n\n\n\n
Marr\u00eb nga Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"
Banka e Shqip\u00ebris\u00eb po studion masa t\u00eb reja p\u00ebr t\u2019iu p\u00ebrgjigjur nj\u00eb rritjeje t\u00eb mundshme t\u00eb raportit t\u00eb kredive me probleme gjat\u00eb vitit 2021. N\u00eb nj\u00eb intervist\u00eb p\u00ebr revist\u00ebn \u201cMonitor\u201d, ky institucion u shpreh se dy nga masat e mundshme mund t\u00eb jen\u00eb shkurtimi i afatit t\u00eb fshirjes s\u00eb kredive t\u00eb humbura, si edhe zgjatja …<\/p>\n","protected":false},"author":1,"featured_media":4275,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/voranews.al\/wp-content\/uploads\/2021\/01\/5E2A799A-4F54-4469-BDE8-142F7B36D629.jpeg","_links":{"self":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/4274"}],"collection":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4274"}],"version-history":[{"count":1,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/4274\/revisions"}],"predecessor-version":[{"id":4276,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/4274\/revisions\/4276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/media\/4275"}],"wp:attachment":[{"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}