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(This message was added in version 6.7.0.) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php on line 6121 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 Warning: Cannot modify header information - headers already sent by (output started at /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/functions.php:6121) in /customers/7/1/b/prishtinapress.org/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1896 {"id":257710,"date":"2023-04-17T11:12:20","date_gmt":"2023-04-17T09:12:20","guid":{"rendered":"https:\/\/www.prishtinapress.net\/?p=257710"},"modified":"2023-04-17T11:12:20","modified_gmt":"2023-04-17T09:12:20","slug":"qytetaret-e-kosoves-dhe-korporatat-i-mbajne-5-6-miliarde-euro-ne-banka","status":"publish","type":"post","link":"https:\/\/www.prishtinapress.org\/qytetaret-e-kosoves-dhe-korporatat-i-mbajne-5-6-miliarde-euro-ne-banka\/","title":{"rendered":"Qytetar\u00ebt e Kosov\u00ebs dhe korporatat i mbajn\u00eb 5.6 miliard\u00eb euro n\u00eb banka"},"content":{"rendered":"

Vlera e stokut t\u00eb depozitave n\u00eb fund t\u00eb dhjetorit 2022 arriti n\u00eb 5.6 miliard\u00eb euro, q\u00eb paraqet nj\u00eb rritje vjetore t\u00eb p\u00ebrshpejtuar prej 13.3 p\u00ebrqind, thuhet n\u00eb raportin e vler\u00ebsimit t\u00eb ekonomis\u00eb t\u00eb publikuar nga Banka Qendrore e Kosov\u00ebs (BQK).<\/strong><\/p>\n

\u201cDepozitat e dy segmenteve dominuese n\u00eb struktur\u00ebn e gjithsej depozitave \u2013 ekonomive familjare dhe korporatave jo financiare \u2013 sh\u00ebnuan ngadal\u00ebsim t\u00eb rritjes, por rritja e lart\u00eb n\u00eb depozitat e korporatave financiare, korporatave publike si dhe depozitave nga jo rezident\u00ebt, p\u00ebrcaktuan trendin e p\u00ebrshpejtuar rrit\u00ebs t\u00eb gjithsej depozitave. Depozitat e ekonomive familjare sh\u00ebnuan ngadal\u00ebsim t\u00eb rritjes vjetore n\u00eb 8.3 p\u00ebrqind nga 14.6 p\u00ebrqind n\u00eb vitin paraprak, zhvillim ky q\u00eb mund t\u00eb jet\u00eb ndikuar nga shpenzimet m\u00eb t\u00eb larta t\u00eb ekonomive familjare gjat\u00eb k\u00ebtij viti si rezultat i rritjes s\u00eb \u00e7mimeve, p\u00ebrderisa t\u00eb ardhurat\/pagat mbet\u00ebn n\u00eb nivel e nj\u00ebjt\u00eb ose u rrit\u00ebn n\u00eb shkall\u00eb shum\u00eb m\u00eb t\u00eb ul\u00ebt\u201d,<\/em> thuhet n\u00eb raport.<\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb raportit, n\u00eb dhjetor 2022, vlera e depozitave t\u00eb ekonomive familjare arriti n\u00eb 3.65 miliard\u00eb euro, dhe kontributi n\u00eb rritjen e gjithsej depozitave mbeti m\u00eb i larti nga kjo kategori.<\/p>\n

\u201cSa i p\u00ebrket nivelit t\u00eb depozitave t\u00eb reja t\u00eb ark\u00ebtuara nga ekonomit\u00eb familjare, ku p\u00ebrfshihen vet\u00ebm depozitat e afatizuara, ato gjat\u00eb itit 2022 arrit\u00ebn n\u00eb vler\u00ebn prej 421.4 milion\u00eb euro, e q\u00eb paraqet nj\u00eb rritje vjetore prej 10.4 p\u00ebrqind, p\u00ebrderisa vitin paraprak kishte r\u00ebnie vjetore prej 24.0 p\u00ebrqind. Kjo rritje i atribuohet kryesisht rritjes s\u00eb normave t\u00eb interesit n\u00eb depozita p\u00ebr k\u00ebt\u00eb kategori, t\u00eb cilat u rrit\u00ebn nga bankat n\u00eb p\u00ebrpjekje p\u00ebr t\u00eb mbajtur depozitat\/financimin p\u00ebr mb\u00ebshtetjen e shkall\u00ebs s\u00eb lart\u00eb t\u00eb kreditimit n\u00eb vend, n\u00eb rrethana t\u00eb rritjes s\u00eb kostos s\u00eb financimit nga jasht\u00eb\u201d,<\/em> thuhet n\u00eb raport.<\/p>\n

Stoku i depozitave, sipas raportit i korporatave jo financiare n\u00eb fund t\u00eb vitit 2022 arriti n\u00eb 1.2 miliard\u00eb euro, q\u00eb paraqet rritje vjetore prej 19.0 p\u00ebrqind \u2013 leht\u00ebsisht m\u00eb t\u00eb ul\u00ebt se n\u00eb vitin 2021 ku rritja ishte 19.3 p\u00ebrqind. Nd\u00ebrsa, depozitat e reja t\u00eb ark\u00ebtuara gjat\u00eb vitit nga ky segment u rrit\u00ebn n\u00eb 356.2 milion\u00eb euro nga 106.2 milion\u00eb n\u00eb vitin 2021.<\/p>\n

\u201cKy zhvillim vler\u00ebsohet se \u00ebsht\u00eb ndikuar nga rritja e normave t\u00eb interesit, aktiviteti i shtuar ekonomik si dhe rrija e pasigurive rreth perspektiv\u00ebs ekonomike, q\u00eb mund t\u00eb ket\u00eb dekurajuar investimet\u201d,<\/em> thuhet n\u00eb raport.<\/p>\n

N\u00eb tregun bankar normat e interesit n\u00eb depozitat e reja jan\u00eb ndikuar n\u00eb nivel m\u00eb t\u00eb lart\u00eb se normat e interesit n\u00eb kredi t\u00eb reja.<\/p>\n

N\u00eb dhjetor 2022, shkalla e interesit n\u00eb kredi arriti n\u00eb 6.3 p\u00ebrqind nga 5.8 p\u00ebrqind nj\u00eb vit m\u00eb par\u00eb, dhe 6.0 p\u00ebrqind sa ishte n\u00eb qershor 2022, at\u00ebher\u00eb kur inflacioni u intensifikua dhe diskutimet mbi nd\u00ebrhyrjen e politik\u00ebs monetare filluan. Po ashtu shkalla mesatare e interesit n\u00eb depozita u ngrit n\u00eb 2.4 p\u00ebrqind nga 1.3 p\u00ebrqind nj\u00eb vit m\u00eb par\u00eb dhe 1.9 p\u00ebrqind n\u00eb shtator 2022, at\u00ebher\u00eb kur shqet\u00ebsimet mbi ruajtjen e depozitave dhe rrjedhimisht rrezikun e likuiditetit u theksuan tutje.<\/p>\n

\u201cMargjina e interesit kredi-depozit\u00eb u ngushtua n\u00eb 3.9 pik\u00eb p\u00ebrqindje nga 4.5 pik\u00eb p\u00ebrqindje. Dinamika e normave t\u00eb interesit e ndikuar nga zhvillimet n\u00eb nivel global, si dhe rritja e rrezikut t\u00eb likuiditetit dhe pasigurive mbi zhvillimet n\u00eb t\u00eb ardhmen si pasoj\u00eb e rritjes s\u00eb presioneve inflacioniste, p\u00ebrve\u00e7 q\u00eb kan\u00eb shtyer bankat ne vend drejt\u00eb rritjes s\u00eb normave t\u00eb interesit ne kredi e depozita, n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb kan\u00eb ndikuar edhe n\u00eb ndryshimin e struktur\u00ebs s\u00eb kredive sipas llojit t\u00eb normave t\u00eb interesit. P\u00ebrderisa n\u00eb vitin e kaluar dhe n\u00eb vitin 2020, kredit\u00eb me shkalla variabile t\u00eb interesit, q\u00eb kryesisht p\u00ebrcaktohen nga l\u00ebvizjet e norm\u00ebs Euribor p\u00ebr marzh\u00ebn shtes\u00eb, p\u00ebrb\u00ebnin mesatarisht 19.6 p\u00ebrqind t\u00eb portfolios kreditore dhe 16.5 p\u00ebrqind respektivisht, kjo p\u00ebrb\u00ebrje k\u00ebt\u00eb vit \u00ebsht\u00eb ngritur n\u00eb 24.1 p\u00ebrqind\u201d<\/em>, thuhet n\u00eb raport.<\/p>\n

Po ashtu, disa banka q\u00eb kan\u00eb aplikuar vet\u00ebm shkalla fikse, k\u00ebt\u00eb vit filluan aplikimin e normave variabile.\/PrishtinaPress\/<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Vlera e stokut t\u00eb depozitave n\u00eb fund t\u00eb dhjetorit 2022 arriti n\u00eb 5.6 miliard\u00eb euro, q\u00eb paraqet nj\u00eb rritje vjetore t\u00eb p\u00ebrshpejtuar prej 13.3 p\u00ebrqind, thuhet n\u00eb raportin e vler\u00ebsimit t\u00eb ekonomis\u00eb t\u00eb publikuar nga Banka Qendrore e Kosov\u00ebs (BQK). \u201cDepozitat e dy segmenteve dominuese n\u00eb struktur\u00ebn e gjithsej depozitave \u2013 ekonomive familjare dhe korporatave […]<\/p>\n","protected":false},"author":8,"featured_media":257516,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_oct_exclude_from_cache":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[173],"tags":[],"class_list":{"0":"post-257710","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lajme"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/posts\/257710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/comments?post=257710"}],"version-history":[{"count":1,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/posts\/257710\/revisions"}],"predecessor-version":[{"id":257714,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/posts\/257710\/revisions\/257714"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/media\/257516"}],"wp:attachment":[{"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/media?parent=257710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/categories?post=257710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prishtinapress.org\/wp-json\/wp\/v2\/tags?post=257710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}