{"id":6797,"date":"2013-11-20T12:09:01","date_gmt":"2013-11-20T12:09:01","guid":{"rendered":""},"modified":"2013-11-20T12:09:01","modified_gmt":"2013-11-20T12:09:01","slug":"norma-e-interesit-te-kredive-dhe-depozitave-dhe-diferenca-e-tyre-2007-2013","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6797","title":{"rendered":"Norma e Interesit te Kredive dhe Depozitave dhe Diferenca e Tyre 2007-2013"},"content":{"rendered":"\n<div align=\"justify\">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 7 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 n\u00eb bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate t\u00eb ndryshme. Diferenca midis norm\u00ebs mesatare t\u00eb kredive dhe depozitave p\u00ebrb\u00ebn fitimin bruto t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb nga aktiviteti i zakonsh\u00ebm.<\/p>\n<p>Grafikisht norma mesatare e kredive ne LEK, EUR dhe USD n\u00eb 7 vitet e fundit paraqitet si m\u00eb posht\u00eb:<\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFHN09jbS1FRXFGZThwenBDZFh4c2c&transpose=0&headers=1&range=B4%3AE11&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"series\":{\"0\":{\"pointSize\":7},\"1\":{\"pointSize\":7},\"2\":{\"pointSize\":7}},\"curveType\":\"function\",\"animation\":{\"duration\":500},\"width\":630,\"lineWidth\":2,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Year\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"vAxes\":[{\"title\":\"Value in %\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"booleanRole\":\"certainty\",\"title\":\"Average interest rate for new loans\",\"height\":371,\"legend\":\"right\",\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"LineChart\",\"chartName\":\"Chart 1\"}\n  <\/script><br \/><sub>Burimi: Banka e Shqiperise<br \/>Analiza dhe Komentet: ODA<\/sub><\/p>\n<p>Norma mesatare e depozites 1-vje\u00e7are n\u00eb LEK, EUR dhe USD n\u00eb 7&nbsp; vitet e fundit paraqitet si m\u00eb posht\u00eb:<\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFHN09jbS1FRXFGZThwenBDZFh4c2c&transpose=0&headers=1&range=B39%3AE46&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"series\":{\"0\":{\"pointSize\":7},\"1\":{\"pointSize\":7},\"2\":{\"pointSize\":7}},\"curveType\":\"function\",\"animation\":{\"duration\":500},\"width\":630,\"lineWidth\":2,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Year\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Value in %\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"booleanRole\":\"certainty\",\"title\":\"Average interest rates for new deposits\",\"height\":371,\"legend\":\"right\",\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"LineChart\",\"chartName\":\"Chart 2\"}\n  <\/script><br \/><sub>Burimi: Banka e Shqiperise<br \/>Analiza dhe Komentet: ODA<\/sub><\/p>\n<div align=\"justify\">N\u00eb dhjetor t\u00eb vitit 2007, norma mesatare e kredis\u00eb mbi 5-vjet n\u00eb LEK ishte 13.72%, dhe ne fund te qershorit 2013 ishte 10.25%, pra nje ulje prej 3.5%. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb norma e depozit\u00ebs 1-vje\u00e7are n\u00eb 2007 n\u00eb LEK ishte 6.33%, nd\u00ebrsa n\u00eb fund t\u00eb qershorit 2013 ishte 4.59%, pra nj\u00eb ulje prej 1.7%. <\/p>\n<p>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. Pra bazuar n\u00eb k\u00ebto t\u00eb dh\u00ebna vihet re se norma e depozit\u00ebs n\u00eb LEK \u00ebsht\u00eb ulur m\u00eb shum\u00eb se norma e kredis\u00eb, nga ku mund t\u00eb arrijm\u00eb n\u00eb perfundimin se fitimi i bankave nga aktiviteti i tyre normal (pranim depozitash dhe dh\u00ebnie kredie), \u00ebsht\u00eb rritur.<\/p>\n<p>Fenomeni vihet re edhe n\u00eb kredit\u00eb dhe depozitat e dh\u00ebna n\u00eb monedha t\u00eb huaja (ato kryesore USD dhe EUR). Edhe n\u00eb k\u00ebt\u00eb rast midis viteve 2007-2013, p\u00ebr kredit\u00eb n\u00eb USD dhe EUR norma mesatare e interesit ka r\u00ebn\u00eb p\u00ebrkat\u00ebsisht me 1.9% dhe 0.9%, nd\u00ebrsa norma e depozitave ka r\u00ebn\u00eb me 2.4% dhe 2%. Pra edhe n\u00eb monedhat e huaja, bankat sigurojn\u00eb nj\u00eb marzh fitimi m\u00eb t\u00eb lart\u00eb krahasuar me 7 vjet m\u00eb par\u00eb.\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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 7 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&hellip; <\/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":22893,"url":"https:\/\/ndiqparate.al\/?p=22893","url_meta":{"origin":6797,"position":0},"title":"Performanca Financiare e Bankave t\u00eb Nivelit t\u00eb Dyt\u00eb p\u00ebr vitin 2023. Origjina e Kapitalit","date":"October 15, 2024","format":false,"excerpt":"Open Data Albania po hulumton mbi perfomac\u00ebn financiare t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb p\u00ebr vitin 2023. 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