{"id":7701,"date":"2016-06-16T15:59:30","date_gmt":"2016-06-16T15:59:30","guid":{"rendered":""},"modified":"2021-05-24T08:55:33","modified_gmt":"2021-05-24T08:55:33","slug":"mbajtes-te-borxhit-te-brendshem-2010-2015-banka-dhe-institucione-financiare","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=7701","title":{"rendered":"Mbajt\u00ebs t\u00eb Borxhit t\u00eb Brendsh\u00ebm 2010-2015, Banka dhe Institucione Financiare"},"content":{"rendered":"<div align=\"justify\">Open Data Albania po hulumton mbi struktur\u00ebn e borxhit t\u00eb brendsh\u00ebm duke detajuar vlera sipas mbajt\u00ebsve t\u00eb tij n\u00eb vitet 2010-2015. Stoku i borxhit t\u00eb brendsh\u00ebm p\u00ebrb\u00ebhet nga bonot e thesarit dhe obligacionet t\u00eb cilat jan\u00eb instrumente afatshkurt\u00ebr dhe afatgjat\u00eb. Banka e Shqip\u00ebris\u00eb mban nj\u00eb pjes\u00eb t\u00eb borxhit qeveritar si nj\u00eb form\u00eb p\u00ebr mbajtjen n\u00eb kontroll t\u00eb norm\u00ebs s\u00eb tregtimit t\u00eb bonove t\u00eb thesarit n\u00ebp\u00ebrmjet shitjes dhe blerjes s\u00eb tyre.<\/p>\n<p>Banka Qendrore do duhej t\u00eb ndikonte n\u00eb k\u00ebrkes\u00ebn dhe ofert\u00ebn p\u00ebr k\u00ebto instrumente borxhi. Bankat e nivelit t\u00eb dyt\u00eb investojn\u00eb n\u00eb borxh t\u00eb brendsh\u00ebm nj\u00eb pjes\u00eb t\u00eb depozitave q\u00eb marrin nga klient\u00ebt. Ky investim \u00ebsht\u00eb konsideruar&nbsp; nj\u00eb alternativ\u00eb investimi me risk t\u00eb ul\u00ebt p\u00ebr bankat komerciale apo njohur ndryshe banka t\u00eb nivelit t\u00eb dyt\u00eb.<\/p>\n<p>Institucionet financiare jo banka dhe institucionet jo financiare p\u00ebrfaq\u00ebsohen n\u00eb Shqip\u00ebri kryesisht nga shoq\u00ebrit\u00eb e sigurimit, fondet e pensionit dhe fondet e investimit. K\u00ebto institucione, fondet q\u00eb marrin nga klient\u00ebt e tyre i angazhojn\u00eb n\u00eb letrat me vler\u00eb t\u00eb tregtueshme t\u00eb qeveris\u00eb, si forma e vetme e investimit n\u00eb letra me vler\u00eb n\u00eb Shqip\u00ebri, n\u00eb munges\u00eb t\u00eb investimit n\u00eb letra me vler\u00eb t\u00eb tregtueshme n\u00eb burs\u00eb.<\/p>\n<p>Individ\u00ebt kryesisht marrin pjes\u00eb n\u00eb ankandet e realizuara p\u00ebr letrat me vler\u00eb t\u00eb borxhit t\u00eb brendsh\u00ebm, p\u00ebr sigurimin e kthimeve nga normat e ofruara nga bonot apo obligacionet, si nj\u00eb alternativ\u00eb m\u00eb e mir\u00eb investimi e drejtp\u00ebrdrejt\u00eb n\u00eb krahasim me depozitat bankare pran\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb.<\/p>\n<\/div>\n<p><iframe width=\"620\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1I0RHQmFd30XJIr-mtDCyU9EU2K7MlDdbLq49fdK0VpA\/pubchart?oid=2030024107&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Ministria e Financave<br \/>\nKomente dhe analiza: ODA<br \/>\n<\/sup><\/p>\n<p><iframe width=\"629.5\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1I0RHQmFd30XJIr-mtDCyU9EU2K7MlDdbLq49fdK0VpA\/pubchart?oid=542503046&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Ministria e Financave<br \/>\nKomente dhe analiza: ODA<\/sup><\/p>\n<p><iframe width=\"614.5\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1I0RHQmFd30XJIr-mtDCyU9EU2K7MlDdbLq49fdK0VpA\/pubchart?oid=1221919802&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Ministria e Financave<br \/>\nKomente dhe analiza: ODA<\/sup><\/p>\n<div align=\"justify\">Banka e Shqip\u00ebris\u00eb n\u00eb vite ka ulur pesh\u00ebn q\u00eb mban me investimin e saj n\u00eb totalin e borxhit qeveritar nga 15% t\u00eb totalit n\u00eb vitin 2010 n\u00eb gati 10% t\u00eb totalit n\u00eb fund t\u00eb tremujorit t\u00eb dyt\u00eb t\u00eb 2015. Kjo vjen si shkak i mos investimit n\u00eb borxhin shtes\u00eb t\u00eb ri t\u00eb emetuar p\u00ebrgjat\u00eb k\u00ebtyre viteve. Vlera e investimit n\u00eb borxh qeveritar p\u00ebr Bank\u00ebn Qendrore mbetet af\u00ebrsisht e nj\u00ebjt\u00eb prej gati 62 miliard lek\u00eb, ku p\u00ebrjashtim jan\u00eb vitet 2012 dhe 2015 me uljeve n\u00eb kufijt\u00eb e 58 dhe 59 miliard lek\u00eb. Edhe p\u00ebr individ\u00ebt paraqitet e nj\u00ebjta tendenc\u00eb n\u00eb vite.<\/p>\n<p>Pesha ndaj totalit p\u00ebr borxh mbajtje t\u00eb individ\u00ebve mbetet n\u00eb nivelet e 12% me p\u00ebrjashtim t\u00eb vitit 2012 ku kjo pesh\u00eb shkon n\u00eb nivelin e gati 15% p\u00ebr tu ulur m\u00eb pas n\u00eb vitet n\u00eb vazhdim. Kjo d\u00ebshmon p\u00ebr orientimin e kursimeve t\u00eb individ\u00ebve drejt investimit n\u00eb borxh t\u00eb brendsh\u00ebm qeveritar, si nj\u00eb alternativ\u00eb pe risk, dhe me kthime kryesisht m\u00eb t\u00eb larta se depozitat bankare. Rritja e volumit p\u00ebrgjat\u00eb viteve me vlera nga 49 miliard lek\u00eb n\u00eb 70 miliard lek\u00eb tregon nj\u00eb fakt t\u00eb till\u00eb.<\/p>\n<p>P\u00ebr sa i p\u00ebrket Bankave t\u00eb Nivelit t\u00eb Dyt\u00eb dhe investimit t\u00eb tyre n\u00eb borxh t\u00eb brendsh\u00ebm, sjellja e tyre \u00ebsht\u00eb e ndryshme. Banka Komb\u00ebtare Tregtare ka rritje n\u00eb k\u00ebt\u00eb form\u00eb investimi nj\u00ebkoh\u00ebsisht n\u00eb vler\u00ebn dhe pesh\u00ebn m\u00eb t\u00eb lart\u00eb ndaj stokut t\u00eb borxhit total deri n\u00eb fundin e vitit 2014. P\u00ebr vitin 2015, kjo bank\u00eb sh\u00ebnon nj\u00eb r\u00ebnie me gati pes\u00eb miliard lek\u00eb.<\/p>\n<p>P\u00ebr sa i p\u00ebrket grupit t\u00eb bankave t\u00eb tjera t\u00eb nivelit t\u00eb dyt\u00eb, vlera e stokut t\u00eb borxhit t\u00eb brendsh\u00ebm vjen n\u00eb rritje p\u00ebrgjat\u00eb viteve, ku rritjen m\u00eb t\u00eb madhe e gjejm\u00eb n\u00eb vitin 2013 me gati 24 miliard lek\u00eb dhe n\u00eb vitin 2014 me gati 21 miliard lek\u00eb.<\/p>\n<p>Raiffeisen Bank \u00ebsht\u00eb banka e nivelit t\u00eb dyt\u00eb q\u00eb aktualisht investon m\u00eb shum\u00eb n\u00eb borxh t\u00eb brendsh\u00ebm kundrejt totalit. Nd\u00ebrkoh\u00eb n\u00eb vitet e fundit kjo bank\u00eb ka ulur pesh\u00ebn e mbajtjes s\u00eb drejtp\u00ebrdrejt t\u00eb borxhit&nbsp; si pasoj\u00eb e krijimit t\u00eb Raiffeisen Prestige, nj\u00eb&nbsp; fond i p\u00ebrbashk\u00ebt investimi n\u00eb letra me vler\u00eb. \u00c7ka \u00ebsht\u00eb shoq\u00ebruar me fenomenin e borxh mbajtjes nga institucione jo banka.<\/p>\n<p><iframe width=\"623.5\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1I0RHQmFd30XJIr-mtDCyU9EU2K7MlDdbLq49fdK0VpA\/pubchart?oid=1666591528&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Ministria e Financave<br \/>\nKomente dhe analiza: ODA<br \/>\n<\/sup><\/p>\n<\/div>\n<p><sup><br \/>\n<\/sup><\/p>\n<div align=\"justify\">Pesha q\u00eb k\u00ebto shoq\u00ebri investojn\u00eb fillon n\u00eb 1% n\u00eb vitin 2010 p\u00ebr t\u00eb arritur n\u00eb nivelin e gati 15% n\u00eb vitin 2015, af\u00ebrsisht sa BKT apo Raiffeisen Bank. Rritja m\u00eb e madhe vjen n\u00eb vitin 2013, nj\u00eb vit pas krijimit t\u00eb Fondit Prestigj me gati 6% t\u00eb stokut t\u00eb borxhit. Rritja n\u00eb vler\u00eb \u00ebsht\u00eb n\u00eb nivelet nga 4 miliard n\u00eb 2010 n\u00eb rreth 85 miliard lek\u00eb n\u00eb 2015. Nj\u00eb rritje e till\u00eb \u00ebsht\u00eb n\u00eb nivele t\u00eb larta edhe p\u00ebr sa i p\u00ebrket Fondit Prestigj duke arritur nivelin e 9.22% n\u00eb vitin 2015.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania po hulumton mbi struktur\u00ebn e borxhit t\u00eb brendsh\u00ebm duke detajuar vlera sipas mbajt\u00ebsve t\u00eb tij n\u00eb vitet 2010-2015. Stoku i borxhit t\u00eb brendsh\u00ebm p\u00ebrb\u00ebhet nga bonot e thesarit dhe obligacionet t\u00eb cilat jan\u00eb instrumente afatshkurt\u00ebr dhe afatgjat\u00eb. Banka e Shqip\u00ebris\u00eb mban nj\u00eb pjes\u00eb t\u00eb borxhit qeveritar si nj\u00eb form\u00eb p\u00ebr mbajtjen n\u00eb kontroll t\u00eb norm\u00ebs s\u00eb tregtimit t\u00eb bonove t\u00eb thesarit n\u00ebp\u00ebrmjet&hellip; <\/p>\n","protected":false},"author":1,"featured_media":12195,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39,134],"tags":[],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2016\/06\/download-68.png?fit=557%2C333&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":22893,"url":"https:\/\/ndiqparate.al\/?p=22893","url_meta":{"origin":7701,"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. T\u00eb dh\u00ebnat jan\u00eb marr\u00eb nga bilancet e audituara q\u00eb subjektet financiare banka depozitojn\u00eb pran\u00eb Qendr\u00ebs Komb\u00ebtare t\u00eb Biznesit (QKB). Aktualisht n\u00eb Shqip\u00ebri operojn\u00eb 11 Banka t\u00eb Nivelit t\u00eb Dyt\u00eb, prej t\u00eb cilave 5\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/11\/Data.Al_-Pesha-e-seciles-banke-ne-fitimin-total-te-tregut-bankar-2023.png?fit=600%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":22926,"url":"https:\/\/ndiqparate.al\/?p=22926","url_meta":{"origin":7701,"position":1},"title":"Stoku dhe Kosto e Borxhit Publik 2025. Borxhi p\u00ebr Frym\u00eb","date":"November 13, 2024","format":false,"excerpt":"Open Data Albania po hulumton mbi Stokun e Borxhit Publik p\u00ebr vitin 2025 dhe Koston e tij, duke p\u00ebrfshir\u00eb nivelin e borxhit dhe kostos p\u00ebr frym\u00eb. T\u00eb dh\u00ebnat p\u00ebr k\u00ebt\u00eb studim jan\u00eb marr\u00eb nga Ministria e Financave, treguesit e Kuadrit Makroekonomik e Fiskal 2025-2027, t\u00eb rishikuar n\u00eb qershor t\u00eb k\u00ebtij\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/11\/Data.Al_-Stok-Borxh-Publik-milion-leke-dhe-PBB-2025-vs-2024.png?fit=600%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24479,"url":"https:\/\/ndiqparate.al\/?p=24479","url_meta":{"origin":7701,"position":2},"title":"Origjina e Kapitalit Bankar n\u00eb Shqip\u00ebri Korrik 2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania po analizon struktur\u00ebn e kapitalit bankar sipas Origjin\u00ebs s\u00eb Kapitalit p\u00ebr banka t\u00eb nivelit t\u00eb dyt\u00eb. Origjin\u00eb kemi konsideruar vendin apo regjistrin e biznesit ku \u00ebsht\u00eb regjistruar paketa kontrolluese aksionare p\u00ebr personat juridik\u00eb, apo shtet\u00ebsin\u00eb e deklaruar p\u00ebr personat individ\u00eb aksioner t\u00eb drejtp\u00ebrdrejte apo fundor t\u00eb deklaruar.\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/08\/Data.Al_-Struktura-e-Kapitalit-te-Bankave-te-Nivelit-te-Dyte-ne-Shqiperi-sipas-Origjines-se-Zoteruesit-Korrik-2025.png?fit=563%2C472&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":7701,"position":3},"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. Ky hulumtim p\u00ebrfshin t\u00eb gjitha Bizneset qw zbatojn\u00eb Kontrata dhe Marr\u00ebveshje PPP Koncesion t\u00eb n\u00ebnshkruara q\u00eb nga 2015. P\u00ebr periudh\u00ebn 2015-2023, rezultojn\u00eb t\u00eb n\u00ebnshkruara 47 kontrata\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/08\/Data.Al_-Financimi-me-kredi-nga-Sektori-Bankar-i-Koncesioneve-PPP-2015-2023-vlera-ne-Leke.png?fit=666%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24997,"url":"https:\/\/ndiqparate.al\/?p=24997","url_meta":{"origin":7701,"position":4},"title":"Lista e Investimeve t\u00eb Agjencis\u00eb Komb\u00ebtare t\u00eb Shoq\u00ebris\u00eb s\u00eb Informacionit (AKSHI) p\u00ebr vitet 2025-2028, sipas Ligjit Nr. 87\/2025 'P\u00ebr Buxhetin e Vitit 2026'","date":"February 7, 2026","format":false,"excerpt":"Open Data Albania n\u00eb k\u00ebt\u00eb artikull analizon List\u00ebn e Investimeve t\u00eb Agjencis\u00eb Komb\u00ebtare t\u00eb Shoq\u00ebris\u00eb s\u00eb Informacionit (AKSHI) p\u00ebr periudh\u00ebn 2025-2028. Lista e investimeve bazohet n\u00eb Ligjin nr. 87, dat\u00eb 12.12.2025 \"P\u00ebr Buxhetin e Vitit 2026\", miratuar nga Kuvendi i Shqip\u00ebris\u00eb dhe publikuar n\u00eb faqet zyrtare t\u00eb Kuvendit dhe Ministris\u00eb\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-08-100314.png?fit=1153%2C570&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":25270,"url":"https:\/\/ndiqparate.al\/?p=25270","url_meta":{"origin":7701,"position":5},"title":"Anulimet n\u00eb Prokurimin Publik 2025: Pesha n\u00eb vler\u00eb tenderimi dhe num\u00ebr procedurash, krahasimi n\u00eb vite","date":"February 25, 2026","format":false,"excerpt":"N\u00eb k\u00ebt\u00eb artikull po evidentohet v\u00ebllimit i prokurimeve publike t\u00eb cilat anulohen pas fillimit t\u00eb gar\u00ebs p\u00ebrmes njoftimit n\u00eb Sistemin Elektronik t\u00eb Prokurimeve (SEP). Procedurat e anuluara jan\u00eb analizuar p\u00ebr vitin 2025, duke evidentuar ato n\u00eb vler\u00eb fondi limit; num\u00ebr procedure t\u00eb anuluar; pesh\u00ebn e vler\u00ebs s\u00eb fondit limit p\u00ebr\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2026\/05\/Data.AL_-Raporti-i-Fondit-Limit-per-Prokurime-te-Anuluara-kundrejt-Fondit-Limit-per-Prokurime-te-Shpallura-Totale-2015-2025.png?fit=652%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-20d","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7701"}],"collection":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7701"}],"version-history":[{"count":1,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7701\/revisions"}],"predecessor-version":[{"id":12194,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7701\/revisions\/12194"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/media\/12195"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}