Vet\u00ebm nga janari deri n\u00eb muajin tetor 2023, bankat komerciale n\u00eb Kosov\u00eb kan\u00eb arritur q\u00eb t\u2019i shtojn\u00eb fitimet e tyre p\u00ebr gjithsej 141 milion\u00eb euro. P\u00ebr vet\u00ebm nj\u00eb muaj, t\u00eb nj\u00ebjtat kan\u00eb fituar 18 milion\u00eb euro, pasi deri n\u00eb fund t\u00eb shtatorit \u2013 profiti i tyre ishte 123.7 milion\u00eb euro.<\/p>\n
Sipas raportit t\u00eb fundit t\u00eb Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs (BQK) p\u00ebr rrjedh\u00ebn e sistemit financiar p\u00ebr muajin tetor t\u00eb vitit 2023, t\u00eb hyrat totale n\u00eb k\u00ebt\u00eb sektor ishin n\u00eb vler\u00eb t\u00eb 357.4 milion\u00eb eurove. Prej tyre, gjithsej 265.6 milion\u00eb ishin t\u00eb hyra vet\u00ebm nga interesi. Nd\u00ebrsa, shpenzimet totale t\u00eb k\u00ebtij sektori p\u00ebr k\u00ebt\u00eb periudh\u00eb ishin 216.3 milion\u00eb, kurse shpenzimet p\u00ebr interes ishin n\u00eb vler\u00eb t\u00eb vet\u00ebm 33.0 milion\u00eb eurove.<\/p>\n
Nd\u00ebrkoh\u00eb, normat efektive t\u00eb interesit n\u00eb muajin tetor ran\u00eb n\u00eb vler\u00ebn 6.4% nga 6.5% sa ishte n\u00eb shtator dhe 6.7% sa ishte n\u00eb muajin gusht t\u00eb k\u00ebtij viti. Norma e interesit p\u00ebr kredit\u00eb e dh\u00ebna p\u00ebr ekonomit\u00eb familjare n\u00eb k\u00ebt\u00eb periudh\u00eb mbeti 6.2% si\u00e7 ishte n\u00eb shtator, kurse p\u00ebr ato konsumuese ra n\u00eb 6.5% nga 6.6% sa ishte n\u00eb shtator, kurse ajo p\u00ebr kredit\u00eb p\u00ebr korporatat jofinanciare ra n\u00eb 6.6% nga 670% sa ishte n\u00eb muajin shtator t\u00eb k\u00ebtij viti.<\/p>\n
N\u00eb an\u00ebn tjet\u00ebr, vlera totale e shum\u00ebs s\u00eb dh\u00ebn\u00eb p\u00ebr kredi deri n\u00eb muajin tetor t\u00eb k\u00ebtij viti, arriti n\u00eb 4 miliard\u00eb e 833.9 milion\u00eb nga 4. 791.1 milion\u00eb euro sa ishte vlera n\u00eb shtator. Prej gjith\u00eb k\u00ebsaj shume, 1 miliard\u00eb e 874.3 milion\u00eb euro ishin kredi p\u00ebr ekonomit\u00eb familjare, 2 miliard\u00eb e 925.8 milion\u00eb tjera p\u00ebr korporatat jo financiare dhe 16.1 milion\u00eb euro p\u00ebr korporatat tjera financiare.<\/p>\n
Kurse depozitat e qytetar\u00ebve t\u00eb ruajtuara n\u00ebp\u00ebr bankat komerciale n\u00eb vend, deri n\u00eb fund t\u00eb muajit shtator 2023, arrit\u00ebn n\u00eb 5 miliard\u00eb e 875.9 milion\u00eb euro, nga 5 miliard\u00eb e 853.4 milion\u00eb sa ishte vlera e tyre n\u00eb shtator.<\/p>\n
Aktualisht, vlera totale e aseteve t\u00eb sektorit bankar n\u00eb vend, \u00ebsht\u00eb 7 miliard\u00eb e 174.9 milion\u00eb euro.<\/p>\n
Kujtojm\u00eb se edhe gjat\u00eb vitit 2022, fitimi neto i k\u00ebtyre institucioneve bankare n\u00eb vend kishte shkuar mbi 140.3 milion\u00eb euro, duke e tejkaluar k\u00ebshtu mesataren disavje\u00e7are q\u00eb zakonisht ishte p\u00ebrmbyllur me nga 80-100 milion\u00eb euro.<\/p>\n
Ndryshe, n\u00eb vendin ton\u00eb aktualisht jan\u00eb duke operuar gjithsej 12 banka komerciale, 9 prej t\u00eb cilave jan\u00eb banka me kapital t\u00eb huaj. \/Buletini Ekonomik<\/p>\n