{"id":7702,"date":"2016-06-27T17:55:21","date_gmt":"2016-06-27T17:55:21","guid":{"rendered":""},"modified":"2021-05-24T08:54:23","modified_gmt":"2021-05-24T08:54:23","slug":"primi-i-riskut-normat-e-interesit-per-kredite-dhe-depozitat-mars-2016","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=7702","title":{"rendered":"Primi i Riskut, normat e interesit p\u00ebr kredit\u00eb dhe depozitat Mars 2016"},"content":{"rendered":"<div align=\"justify\">Open Data Albania ka hulumtuar n\u00eb lidhje me normat nj\u00ebvje\u00e7are t\u00eb interesit n\u00eb Shqip\u00ebri gjat\u00eb periudh\u00ebs&nbsp; Dhjetor 2010 \u2013 Mars 2016. Norma e depozitave paraqet norm\u00ebn mesatare t\u00eb depozitave t\u00eb reja me afat maturimi p\u00ebr nj\u00eb vit.<\/p>\n<p>Norma e kredive t\u00eb paraqitura \u00ebsht\u00eb norma mesatare vjetore e kredive t\u00eb reja me afat maturimi 1-3 vjet sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Spread-i i depozitave paraqet diferenc\u00ebn midis norm\u00ebs mesatare, \u00e7ka p\u00ebrb\u00ebn edhe fitimin bruto t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb.<\/p>\n<p>Norma Reale e interesit \u00ebsht\u00eb diferenca midis norm\u00ebs s\u00eb bonove t\u00eb thesarit me maturim nj\u00eb vje\u00e7ar me norm\u00ebn e inflacionit vjetor. Primi i riskut t\u00eb huadh\u00ebnies \u00ebsht\u00eb diferenca midis norm\u00ebs s\u00eb kredive t\u00eb reja t\u00eb dh\u00ebna me norm\u00ebn e bonove t\u00eb thesarit nj\u00eb vje\u00e7are q\u00eb p\u00ebrb\u00ebjn\u00eb edhe alternativ\u00ebn pa risk t\u00eb investimit duke qen\u00eb se jan\u00eb investimi i sigurt n\u00eb borxh qeveritar.<\/p>\n<\/div>\n<p><iframe width=\"628.5\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1gbxbSS-qbotIDCh2Vdbvo1F89qC4yqL3DcntXJUTr4w\/pubchart?oid=1616270190&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>\nKomente dhe Analiza: Open Data Albania<\/sup><\/p>\n<p><iframe width=\"621.5\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1gbxbSS-qbotIDCh2Vdbvo1F89qC4yqL3DcntXJUTr4w\/pubchart?oid=1788425346&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>\nKomente dhe Analiza: Open Data Albania<\/sup><\/p>\n<p><iframe width=\"620.5\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1gbxbSS-qbotIDCh2Vdbvo1F89qC4yqL3DcntXJUTr4w\/pubchart?oid=1385134379&amp;format=interactive\"><\/iframe><br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nKomente dhe Analiza: Open Data Albania<\/p>\n<div align=\"justify\">Gjat\u00eb viteve Norma Mesatare p\u00ebr Depozitat e reja ka ardhur n\u00eb r\u00ebnie duke p\u00ebsuar edhe r\u00ebnien vjetore&nbsp; m\u00eb t\u00eb madhe p\u00ebr depozitat n\u00eb lek\u00eb me gati 2 % nga viti 2013 n\u00eb 2014. Norma Mesatare p\u00ebr Depozitat n\u00eb lek\u00eb sh\u00ebnoi 1.07% n\u00eb mars t\u00eb 2016 kur kjo norm\u00eb n\u00eb 2010 ishte 6.4. E nj\u00ebjta tendenc\u00eb paraqitet edhe p\u00ebr depozitat n\u00eb Euro ku ka nj\u00eb r\u00ebnie 2010 vs 2016 me gati 4%, nd\u00ebrsa p\u00ebr depozitat n\u00eb Dollar kemi nj\u00eb r\u00ebnie n\u00eb total me 1.8%.<\/p>\n<p>P\u00ebr sa i p\u00ebrket normave t\u00eb kredive t\u00eb reja n\u00eb lek kemi r\u00ebnie t\u00eb ndjeshme n\u00eb 2012 e ndjekur nga nj\u00eb rritje n\u00eb 2013 dhe m\u00eb pas r\u00ebnie n\u00eb vitet n\u00eb vazhdim. Normat e kredive n\u00eb Euro dhe Dollar kan\u00eb ardhur n\u00eb ulje duke ndjekur edhe normat baz\u00eb t\u00eb shpallura t\u00eb monedhave respektive. Ndryshim p\u00ebrb\u00ebn norma e marsit 2016 ku kemi nj\u00eb shtrenjtim t\u00eb kreditimit n\u00eb Dollar e kusht\u00ebzuar nga efekti i riskut t\u00eb kursit t\u00eb k\u00ebmbimit si pasoj\u00eb e shtrenjtimit t\u00eb k\u00ebsaj monedhe kundrejt monedhave t\u00eb tjera n\u00eb bursat nd\u00ebrkomb\u00ebtare.<\/p>\n<p>P\u00ebr sa i p\u00ebrket spread-it t\u00eb normave t\u00eb interesit vlerat m\u00eb t\u00eb larta t\u00eb tij jan\u00eb t\u00eb orientuara n\u00eb diferenc\u00ebn e normave n\u00eb lek\u00eb, nd\u00ebrkoh\u00eb q\u00eb p\u00ebr sa i p\u00ebrket vlerave n\u00eb dy monedhat e huaja,ato jan\u00eb kryesisht n\u00eb vlera t\u00eb nj\u00ebjta.<\/p>\n<\/div>\n<p><sup><\/sup><\/p>\n<p><iframe width=\"622.5\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1gbxbSS-qbotIDCh2Vdbvo1F89qC4yqL3DcntXJUTr4w\/pubchart?oid=314995064&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>\nKomente dhe Analiza: Open Data Albania<\/sup><\/p>\n<div align=\"justify\">Norma reale e interesit p\u00ebrfaq\u00ebson kthimin real t\u00eb siguruar nga investitor\u00ebt n\u00eb bono thesari 1-vje\u00e7are duke marr\u00eb parasysh efektin e reduktimit t\u00eb kthimit si pasoj\u00eb e inflacionit vjetor. N\u00eb vite ky tregues ka p\u00ebsuar luhatje. Vlera m\u00eb e lart\u00eb prej 5.27% \u00ebsht\u00eb n\u00eb 2011 si pasoj\u00eb e reduktimit t\u00eb inflacionit n\u00eb 1.7% p\u00ebrkundrejt vler\u00ebs s\u00eb lart\u00eb t\u00eb kthimit t\u00eb bonove.<\/p>\n<p>Nga ana tjet\u00ebr kthimi real m\u00eb i ul\u00ebt i p\u00ebrket vitit 2015 prej 0.44% e ndikuar nga nj\u00eb inflacion n\u00eb nivelin e 2% n\u00eb p\u00ebrputhje me stabilitetin e \u00e7mimeve dhe nj\u00eb kthim t\u00eb ul\u00ebt t\u00eb bonove prej 2.4%. Kosto e huamarrjes s\u00eb qeveris\u00eb \u00ebsht\u00eb ulur si pasoj\u00eb e uljes s\u00eb vazhdueshme e norm\u00ebs s\u00eb bonove nga 7.1 % n\u00eb 2009 n\u00eb 1.63% n\u00eb mars 2016 me uljen m\u00eb t\u00eb madhe n\u00eb vitin 2013 me gati 2.7 %. Nj\u00eb trend i till\u00eb \u00ebsht\u00eb edhe n\u00eb kuad\u00ebr t\u00eb reflektimit t\u00eb efekteve t\u00eb uljes s\u00eb norm\u00ebs baz\u00eb t\u00eb interesit n\u00eb minimum historik prej 1.25%.<\/p>\n<p><iframe width=\"620\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1gbxbSS-qbotIDCh2Vdbvo1F89qC4yqL3DcntXJUTr4w\/pubchart?oid=1471062060&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>\nKomente dhe Analiza: Open Data Albania<br \/>\n<\/sup><\/p>\n<p>Primi i riskut t\u00eb huadh\u00ebnies \u00ebsht\u00eb kthimi shtes\u00eb q\u00eb nj\u00eb huadh\u00ebn\u00ebs k\u00ebrkon t\u00eb realizoj\u00eb nga angazhimi i fondeve n\u00eb alternativa t\u00eb tjera nga ato n\u00eb letra me vler\u00eb shtet\u00ebrore. Primi i riskut \u00ebsht\u00eb llogaritur p\u00ebr kthimin shtes\u00eb q\u00eb bankat e nivelit t\u00eb dyt\u00eb k\u00ebrkojn\u00eb nga dh\u00ebnia e huave&nbsp; t\u00eb cilat mbartin risk n\u00eb krahasim me investimin n\u00eb bono thesari q\u00eb vler\u00ebsohet nj\u00eb investim pa risk.<\/p>\n<p>Primi ka ardhur n\u00eb r\u00ebnie deri n\u00eb 2012 duke u pasur me nj\u00eb rritje t\u00eb leht\u00eb n\u00eb 2013 dhe rritje n\u00eb vazhdim deri n\u00eb 2015. Rritja n\u00eb 2013 vjen nj\u00ebkoh\u00ebsisht si pasoj\u00eb e uljes s\u00eb norm\u00ebs s\u00eb bonove t\u00eb thesarit dhe rritjes s\u00eb normave t\u00eb kredive t\u00eb reja. N\u00eb 2013-2015 ulja vjen si pasoj\u00eb e uljes m\u00eb t\u00eb madhe t\u00eb norm\u00ebs s\u00eb kredive sesa ulja e norm\u00ebs s\u00eb bonove. P\u00ebr marsin 2016 rritja e primit t\u00eb riskut vjen si pasoj\u00eb e uljes m\u00eb t\u00eb madhe t\u00eb norm\u00ebs s\u00eb kthimit t\u00eb bonove.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania ka hulumtuar n\u00eb lidhje me normat nj\u00ebvje\u00e7are t\u00eb interesit n\u00eb Shqip\u00ebri gjat\u00eb periudh\u00ebs&nbsp; Dhjetor 2010 \u2013 Mars 2016. Norma e depozitave paraqet norm\u00ebn mesatare t\u00eb depozitave t\u00eb reja me afat maturimi p\u00ebr nj\u00eb vit. Norma e kredive t\u00eb paraqitura \u00ebsht\u00eb norma mesatare vjetore e kredive t\u00eb reja me afat maturimi 1-3 vjet sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Spread-i i depozitave&hellip; <\/p>\n","protected":false},"author":1,"featured_media":12192,"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:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2016\/06\/download-67.png?fit=565%2C333&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":25359,"url":"https:\/\/ndiqparate.al\/?p=25359","url_meta":{"origin":7702,"position":0},"title":"NewsLetter: Prokurimi Publik n\u00eb Vitet Zgjedhore 2015-2025: Gjetje mbi Riskun, Konkurrenc\u00ebn dhe Eficienc\u00ebn Financiare","date":"January 20, 2026","format":false,"excerpt":"Organizata AIS \/ Open Data Albania ka hartuar Raportin e Monitorimit dhe Dokumentin e Evidencave \u201cProkurimi Publik n\u00eb Vitet Zgjedhore: Evidenc\u00eb Statistikore dhe Analiz\u00eb Risku 2015\u20132025\u201d. 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PPP-t\u00eb n\u00eb Shqip\u00ebri kan\u00eb kaluar nga nj\u00eb\u2026","rel":"","context":"In &quot;ODA njoftime n\u00eb shtyp&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/10\/images-1.jpeg?fit=576%2C348&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":7702,"position":2},"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. 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Ky raport p\u00ebr Shqip\u00ebrin\u00eb N\u00ebntor 2023 \u00ebsht\u00eb realizuar nga Instituti p\u00ebr Demokraci dhe Nd\u00ebrmjet\u00ebsim IDM si pjes\u00eb\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/07\/Data.Al_-ILDKPKI-Vleresimi-sipas-Sistemit-Kombetar-te-Integritetit-2023.png?fit=600%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-20e","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7702"}],"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=7702"}],"version-history":[{"count":1,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7702\/revisions"}],"predecessor-version":[{"id":12193,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/7702\/revisions\/12193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/media\/12192"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}