{"id":6192,"date":"2012-02-28T12:03:12","date_gmt":"2012-02-28T12:03:12","guid":{"rendered":""},"modified":"2012-02-28T12:03:12","modified_gmt":"2012-02-28T12:03:12","slug":"norma-mesatare-e-kredive-dhe-depozitave-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6192","title":{"rendered":"Norma Mesatare e Kredive dhe Depozitave n\u00eb Shqip\u00ebri"},"content":{"rendered":"\n

Open Data Albania ka kryer nj\u00eb hulumtim mbi norm\u00ebn e depozitave dhe kredive n\u00eb Shqip\u00ebri bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr dhjet\u00eb vitet e fundit.<\/p>\n

Norma e kredis\u00eb \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb kredive t\u00eb dh\u00ebna nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate t\u00eb ndryshme. Nd\u00ebrkoh\u00eb norma e depozitave \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb depozitave t\u00eb vendosura n\u00eb bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate t\u00eb ndryshme.<\/p>\n

Grafikisht norma e kredive dhe depozitave n\u00eb dhjet\u00ebvje\u00e7arin e fundit paraqitet si m\u00eb posht\u00eb:<\/p>\n

\"\"
Burimi: Banka e Shqip\u00ebris\u00eb
Analiza dhe Komentet: ODA<\/sup><\/p>\n

N\u00eb janar t\u00eb vitit 2011, norma mesatare e kredis\u00eb 1-3-vje\u00e7are n\u00eb lek ishte 17%, nd\u00ebrkoh\u00eb q\u00eb norma mesatare e depozit\u00ebs 1-vje\u00e7are n\u00eb lek ishte 6%. Kthimi bruto nga diferenca e normave t\u00eb interesit p\u00ebr bankat e nivelit t\u00eb dyt\u00eb rezulton 11% p\u00ebr afatet 1-vje\u00e7are. Kjo diferenc\u00eb ka ndryshuar vazhdimisht gjat\u00eb k\u00ebtij dhjet\u00ebvje\u00e7ari, duke arritur vler\u00ebn maksimale prej 17% n\u00eb gusht t\u00eb vitit 2004, dhe vler\u00ebn minimale prej 6% n\u00eb korrik t\u00eb vitit 2009.<\/p>\n

Diferenca midis norm\u00ebs mesatare t\u00eb kredive dhe depozitave n\u00eb monedh\u00ebn vendase p\u00ebrb\u00ebn fitimin bruto t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb nga aktiviteti i zakonsh\u00ebm. Duke supozuar nj\u00eb nivel t\u00eb mjaftuesh\u00ebm konkurrence, n\u00eb kushtet kur ambjenti ekonomik \u00ebsht\u00eb i pasigurt\u00eb kjo diferenc\u00eb ka tendenc\u00ebn t\u00eb rritet, dhe n\u00eb kushtet e nj\u00eb ambjenti m\u00eb t\u00eb sigurt\u00eb diferenca zvog\u00eblohet.<\/p>\n

Nd\u00ebrkoh\u00eb, norma mesatare e kredive dhe depozitave n\u00eb monedh\u00ebn europiane ka ndryshuar si m\u00eb posht\u00eb:<\/p>\n

\"\"
Burimi: Banka e Shqip\u00ebris\u00eb
Analiza dhe Komentet: ODA<\/sup><\/p>\n

Ne janar t\u00eb vitit 2011, norma mesatare e kredis\u00eb 1-3-vje\u00e7are n\u00eb euro ishte 8%, nd\u00ebrkoh\u00eb q\u00eb norma mesatare e depozit\u00ebs 1-vje\u00e7are n\u00eb euro ishte 3%. Kthimi bruto nga diferenca e normave t\u00eb interesit p\u00ebr bankat e nivelit t\u00eb dyt\u00eb rezulton 5% p\u00ebr afatet 1-vje\u00e7are. Diferenca ka arritur vleren maksimale prej 12% n\u00eb shkurt t\u00eb vitit 2002, dhe vler\u00ebn minimale prej 1% n\u00eb maj t\u00eb vitit 2009.<\/p>\n

Norma mesatare e kredive dhe depozitave n\u00eb monedh\u00ebn amerikane ka ndryshuar si m\u00eb posht\u00eb:<\/p>\n

\"\"
Burimi: Banka e Shqip\u00ebris\u00eb
Analiza dhe Komentet: ODA<\/sup><\/p>\n

Ne janar t\u00eb vitit 2011, norma mesatare e kredis\u00eb 1-3-vje\u00e7are n\u00eb usd ishte 7%, nd\u00ebrkoh\u00eb q\u00eb norma mesatare e depozit\u00ebs 1-vje\u00e7are n\u00eb usd ishte 2%. Kthimi bruto nga diferenca e normave t\u00eb interesit p\u00ebr bankat e nivelit t\u00eb dyt\u00eb rezulton 5% p\u00ebr afatet 1-vje\u00e7are. Diferenca ka arritur vleren maksimale prej 10% n\u00eb qershor t\u00eb vitit 2010, dhe vler\u00ebn minimale prej 0% n\u00eb janar t\u00eb vitit 2009.<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Open Data Albania ka kryer nj\u00eb hulumtim mbi norm\u00ebn e depozitave dhe kredive n\u00eb Shqip\u00ebri bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr dhjet\u00eb vitet e fundit. Norma e kredis\u00eb \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb kredive t\u00eb dh\u00ebna nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate t\u00eb ndryshme. Nd\u00ebrkoh\u00eb norma e depozitave \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb depozitave t\u00eb vendosura… <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":6192,"position":0},"title":"Financimi i Koncesioneve dhe PPP me Kredi nga Sektori Bankar 2015-2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania po hulumton n\u00eb lidhje me nivelin e kreditimit t\u00eb bizneseve Koncesionare dhe PPP nga Banka te Nivelit t\u00eb Dyt\u00eb ne vend. 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