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Periodiku Bankar | <strong>Qershor</strong> <strong>2016</strong><br />
11<br />
Diferenca Normat e normës efektive efektive e interesit të interesit (2010-<strong>2016</strong>) (2010-<strong>2016</strong>)<br />
16.00%<br />
14.00%<br />
12.00%<br />
13.97%<br />
13.<strong>30</strong>%<br />
12.24%<br />
10.90%<br />
10.00%<br />
8.00%<br />
6.00%<br />
4.00%<br />
2.00%<br />
10.59%<br />
3.38%<br />
9.68%<br />
3.62%<br />
8.52%<br />
3.72%<br />
8.50%<br />
2.40%<br />
9.29%<br />
7.69%<br />
7.66%<br />
8.18%<br />
6.54% 6.81%<br />
1.11% 1.15% 0.85%<br />
0.00%<br />
2010 2011 2012 2013 2014 2015 Prill-16<br />
Effective rates on total new loans Effective rates on total new deposits Difference<br />
Fig. 8 | Burimi: BQK – Normat e interesit në kredi për sektorin bankar<br />
Kreditë jo-performuese<br />
Kreditë jo-performuese (2010-<strong>2016</strong>)<br />
Përshkrimi 2010 2011 2012 2013 2014 2015 Prill-16<br />
Vlera e kredive jo-performuese 86.1 96.8 132.3 157.1 154.4 125.2 121.9<br />
Provizionet për humbje nga kreditë 115.0% 116.7% 112.7% 110.5% 114.4% 115.1% 117.5%<br />
Tab. 13 | Burimi: BQK – Raporti vjetor 2013, 2014 dhe raporti i informatave mujore<br />
Kreditë jo-performuese (2010-<strong>2016</strong>)<br />
Përshkrimi 2010 2011 2012 2013 2014 2015 Prill-16<br />
Kreditë jo-performuese (%) 5.9% 5.8% 7.5% 8.7% 8.3% 6.2% 5.8%<br />
NPL rritja/zvogëlimi (%) 51.7% 12.5% 36.6% 18.8% -1.7% -18.9% -2.6%<br />
Përqindja e rritjes kreditore 13.2% 16.4% 3.8% 2.4% 4.2% 7.3% 4.1%<br />
Tab. 14 | Burimi: BQK – Raporti vjetor 2013, 2014 dhe raporti i informatave mujore
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