Uz\u0146\u0113mumu kredit\u0113\u0161ana Latvij\u0101 aug strauj\u0101k nek\u0101 liel\u0101kaj\u0101 da\u013c\u0101 eirozonas \u2013 Latvijas uz\u0146\u0113mumu aktivit\u0101te finans\u0113juma piesaist\u0113 bank\u0101 Citadele pieaugusi par 40 % sal\u012bdzin\u0101jum\u0101 ar p\u0113rno gadu, liecina bankas apkopotie dati.<\/p>\n
\u201cLatvij\u0101 \u0161\u012b gada pirmaj\u0101 pusgad\u0101 banka Citadele izskat\u012bja uz\u0146\u0113mumu projektus vair\u0101k nek\u0101 miljarda eiro apm\u0113r\u0101. P\u0113d\u0113jos ceturk\u0161\u0146os ar aug\u0161upejo\u0161u tendenci stabiliz\u0113jas no jauna izsniegto kred\u012btu apjoms \u2013 aizdevumi uz\u0146\u0113mumiem turpina pieaugt. \u0160\u012b dinamika atspogu\u013co pieaugo\u0161u uz\u0146\u0113mumu aktivit\u0101ti un uzlabotu piek\u013cuvi finans\u0113jumam, kas veicina ekonomikas atvese\u013co\u0161anos, turkl\u0101t Latvija p\u0113d\u0113j\u0101 gada laik\u0101 ir par\u0101d\u012bjusi \u012bpa\u0161i strauju izaugsmi, samazinot plaisu ar kaimi\u0146valst\u012bm,\u201d saka Citadele Baltijas biznesa vad\u012bbas komandas loceklis un Citadele Leasing valdes priek\u0161s\u0113d\u0113t\u0101js \u0122irts Gl\u0101zers.<\/p>\n
Klienti p\u0101rst\u0101v pla\u0161u nozaru spektru, tom\u0113r \u012bpa\u0161i augsta aktivit\u0101te v\u0113rojama apstr\u0101des r\u016bpniec\u012bb\u0101, tirdzniec\u012bb\u0101 un lauksaimniec\u012bb\u0101. Uz\u0146\u0113mumi ar apgroz\u012bjumu virs 1 miljona eiro veido aptuveni 80 % no kop\u0113j\u0101s izskat\u012bto projektu summas, lai gan tie ir tikai 30 % no visiem pieteikumiem.<\/p>\n
Sal\u012bdzin\u0101jum\u0101 ar 2024. gadu bankas Citadele dati r\u0101da, ka uz\u0146\u0113mumu aktivit\u0101te finans\u0113juma piesaist\u0113 pieaugusi par 40 %, kas apliecina uz\u0146\u0113m\u0113jdarb\u012bbas atvese\u013co\u0161anos un pieaugo\u0161u gatav\u012bbu invest\u012bcij\u0101m. Visizplat\u012bt\u0101k\u0101 aiz\u0146em\u0161an\u0101s forma naudas izteiksm\u0113 joproj\u0101m ir ilgtermi\u0146a aizdevumi. Kopum\u0101 izskat\u012bto pieteikumu skaits Citadeles Grup\u0101 tuvojas 10 t\u016bksto\u0161iem.<\/p>\n
P\u0113d\u0113jo tr\u012bs gadu laik\u0101 aptuveni 75 % no visiem uz\u0146\u0113mumu finans\u0113juma pieteikumiem Latvij\u0101 tiek sa\u0146emti no R\u012bgas un Pier\u012bgas re\u0123iona, liecina uz\u0146\u0113mumu re\u0123istr\u0101cijas dati.<\/p>\n
Latgales uz\u0146\u0113m\u0113ji joproj\u0101m ir piesardz\u012bg\u0101ki attiec\u012bb\u0101 uz finans\u0113juma piesaisti \u2013 jaun\u0101kie kred\u012btu pieteikumu dati r\u0101da, ka \u0161\u012b re\u0123iona uz\u0146\u0113mumi pieprasa vid\u0113ji piecas reizes maz\u0101k l\u012bdzek\u013cu nek\u0101 uz\u0146\u0113m\u0113ji Kurzem\u0113 vai Zemgal\u0113. Savuk\u0101rt Kurzemes un Zemgales re\u0123ionos v\u0113rojama aktivit\u0101tes palielin\u0101\u0161an\u0101s \u2013 2025. gada pirm\u0101 pusgada dati liecina, ka pl\u0101notais finans\u0113juma pieteikumu apjoms \u0161ajos re\u0123ionos var\u0113tu b\u016bt par 30\u201340 % liel\u0101ks nek\u0101 2024. gad\u0101.<\/p>\n
Uz\u0146\u0113mumu kredit\u0113\u0161ana Latvij\u0101 \u0161ogad aug strauj\u0101k<\/p>\n
Finan\u0161u nozares asoci\u0101cijas (FNA) apkopot\u0101 inform\u0101cija par \u010detr\u0101m liel\u0101kaj\u0101m bank\u0101m Latvij\u0101 liecina, ka 2025. gada 2. ceturksn\u012b bankas turpin\u0101ja apstiprin\u0101t arvien vair\u0101k kred\u012btu pieteikumu un apstiprin\u0101\u0161anas r\u0101d\u012bt\u0101js sasniedza 62 % no kop\u0113j\u0101 pieteikumu skaita sal\u012bdzin\u0101jum\u0101 ar 56 % pirmaj\u0101 ceturksn\u012b. Kop\u0113jais kred\u012btu pieteikumu skaits otraj\u0101 ceturksn\u012b pieauga par 8,2 %, savuk\u0101rt pieteikumu summa \u2013 par 67,8 %, kas liecina par b\u016btisku piepras\u012bjuma k\u0101pumu p\u0113c liel\u0101ka finans\u0113juma.<\/p>\n
Liel\u0101ko da\u013cu pieteikumu un sa\u0146emto aizdevumu apjomu veido uz\u0146\u0113mumi ar apgroz\u012bjumu virs 1 miljona eiro, aptverot ap 90 % no kop\u0113j\u0101s pieteikumu summas. Maz\u0101kiem uz\u0146\u0113mumiem apstiprin\u0101juma \u012bpatsvars un aizdevumu apjoms joproj\u0101m ir ierobe\u017eot\u0101ks, tom\u0113r ar\u012b \u0161aj\u0101 segment\u0101 v\u0113rojama pak\u0101peniska uzlabo\u0161an\u0101s.<\/p>\n
P\u0113t\u012bjums: Baltijas uz\u0146\u0113m\u0113ju noska\u0146ojums <\/p>\n
Banka Citadele veica aptauju, lai noskaidrotu, k\u0101 Baltijas uz\u0146\u0113m\u0113ji v\u0113rt\u0113 ekonomikas att\u012bst\u012bbu, invest\u012bciju vidi un n\u0101kam\u0101 gada perspekt\u012bvas. P\u0113t\u012bjum\u0101 secin\u0101ts, ka, dom\u0101jot par ekonomikas att\u012bst\u012bbu n\u0101kamaj\u0101 gad\u0101, Baltijas uz\u0146\u0113m\u0113ji ir piesardz\u012bgi. Lietuv\u0101 j\u016btams liel\u0101ks optimisms, Igaunij\u0101 \u2013 pragmatiska stabilit\u0101te, bet Latvij\u0101 \u2013 ba\u017eas un nogaido\u0161a attieksme.<\/p>\n
\u0160\u012b piesardz\u012bba atspogu\u013cojas ar\u012b invest\u012bciju pl\u0101nos \u2013 uz\u0146\u0113m\u0113ji dod priek\u0161roku maz\u0101ka m\u0113roga un dro\u0161\u0101kiem ieguld\u012bjumiem, izvairoties no riskiem un liel\u0101m invest\u012bcij\u0101m. \u0160\u012b tendence var liecin\u0101t par piesardz\u012bgu attieksmi pret ekonomisko nenoteikt\u012bbu, augst\u0101m izmaks\u0101m vai gaid\u0101maj\u0101m izmai\u0146\u0101m tirg\u016b.<\/p>\n
\u201cNeskatoties uz izaicin\u0101jumiem, Latvijas uz\u0146\u0113m\u0113ji akt\u012bvi mekl\u0113 iesp\u0113jas invest\u0113t digitaliz\u0101cij\u0101, efektivit\u0101t\u0113 un darbinieku kompetenc\u0113 \u2013 tas apliecina vi\u0146u v\u0113lmi att\u012bst\u012bties un piel\u0101goties m\u016bsdienu tirgus pras\u012bb\u0101m. Par vieniem no noz\u012bm\u012bg\u0101kajiem \u0161\u0137\u0113r\u0161\u013ciem invest\u012bcij\u0101m uz\u0146\u0113m\u0113ji min birokr\u0101tiju un augst\u0101s darbasp\u0113ka izmaksas, kas prasa liel\u0101ku uzman\u012bbu gan no uz\u0146\u0113mumu, gan valsts puses. Taj\u0101 pa\u0161\u0101 laik\u0101 kred\u012btu procentu likmes un finans\u0113juma pieejam\u012bba tiek v\u0113rt\u0113tas k\u0101 maz\u0101k b\u016btisks \u0161\u0137\u0113rslis, kas liecina par stabilu un uz\u0146\u0113m\u0113jdarb\u012bbai draudz\u012bgu finan\u0161u vidi, veicinot izaugsmes iesp\u0113jas,\u201d secina bankas Citadele Lielo uz\u0146\u0113mumu apkalpo\u0161anas da\u013cas vad\u012bt\u0101js M\u0101rti\u0146\u0161 Bo\u010dk\u0101ns.<\/p>\n
Ekonomikas att\u012bst\u012bbas tendences re\u0123ion\u0101<\/p>\n
\u201cPla\u0161\u0101ks ekonomikas konteksts r\u0101da, ka Baltijas valstis 2025. gad\u0101 att\u012bst\u0101s at\u0161\u0137ir\u012bgi \u2013 Lietuva saglab\u0101 l\u012bderpoz\u012bcijas ar stabilu izaugsmi un optimistisku pat\u0113r\u0113t\u0101ju noska\u0146ojumu, savuk\u0101rt Latvij\u0101 un Igaunij\u0101 gada otrais ceturksnis iez\u012bm\u0113jis m\u0113renas atvese\u013co\u0161an\u0101s paz\u012bmes. Lai gan iedz\u012bvot\u0101ju pirktsp\u0113ja pak\u0101peniski turpina uzlaboties, tas v\u0113l neatspogu\u013cojas b\u016btisk\u0101 pat\u0113ri\u0146a pieaugum\u0101 pat\u0113r\u0113t\u0101ju piesardz\u012bbas, sezon\u0101l\u0101 izmaksu pieauguma un vid\u0113ji augst\u0101k\u0101s infl\u0101cijas d\u0113\u013c. Pat\u0113r\u0113t\u0101ju noska\u0146ojuma dati liecina, ka p\u0113c iepriek\u0161 piedz\u012bvot\u0101 ASV tarifu izrais\u012bt\u0101 sa\u0161utuma m\u0101jsaimniec\u012bbu noska\u0146ojums pak\u0101peniski stabiliz\u0113jas vis\u0101 re\u0123ion\u0101. P\u0113d\u0113jos m\u0113ne\u0161os pak\u0101peniski uzlabojas ar\u012b Latvijas uz\u0146\u0113m\u0113ju noska\u0146ojums, tom\u0113r r\u016bpniec\u012bbas un b\u016bvniec\u012bbas sektoros tas saglab\u0101jas indeksu negat\u012bvaj\u0101 teritorij\u0101. Pakalpojumu un mazumtirdzniec\u012bbas sektor\u0101 tas ir pozit\u012bvs,\u201d saka Citadele galvenais ekonomists K\u0101rlis Purgailis.<\/p>\n
Ra\u017eo\u0161ana pieaugums re\u0123ion\u0101 p\u0113c strauj\u0101kas izaugsmes perioda sabremz\u0113jas. Pozit\u012bvu impulsu atgrie\u0161anos var\u0113tu veicin\u0101t glob\u0101l\u0101s tirdzniec\u012bbas sasp\u012bl\u0113jumu mazin\u0101\u0161an\u0101s un pas\u016bt\u012bjumu atjauno\u0161an\u0101s, \u012bpa\u0161i ASV un Eiropas tirgos. Tom\u0113r ASV kr\u0101jumu iev\u0113rojamais pieaugums visticam\u0101k aizkav\u0113s ra\u017eo\u0161anas att\u012bst\u012bbu Baltij\u0101, jo re\u0123iona r\u016bpniec\u012bba ir cie\u0161i saist\u012bta ar pasaules pieg\u0101des \u0137\u0113d\u0113m un \u0101r\u0113jo pas\u016bt\u012bjumu dinamiku. Iek\u0161\u0113jais piepras\u012bjums nesp\u0113j kompens\u0113t \u0101r\u0113jo faktoru v\u0101jin\u0101\u0161anos, t\u0101p\u0113c 2025. gada perspekt\u012bva r\u016bpniec\u012bbai paliek piesardz\u012bgi optimistiska.<\/p>\n
Vienlaikus eirozonas ekonomika nenoteikt\u012bbas apst\u0101k\u013cos demonstr\u0113 notur\u012bbu un finan\u0161u tirgi prognoz\u0113 procentu likmju stabiliz\u0101ciju ap 2 %, kas rada sal\u012bdzino\u0161i paredzamu vidi uz\u0146\u0113mumu invest\u012bciju l\u0113mumiem. Uz\u0146\u0113m\u0113ju noska\u0146ojums da\u017e\u0101dos sektoros pak\u0101peniski uzlabojas, \u012bpa\u0161i pakalpojumu un mazumtirdzniec\u012bbas jom\u0101, k\u013c\u016bstot par galveno izaugsmes balstu, kam\u0113r ra\u017eo\u0161anas un b\u016bvniec\u012bbas sektoros noska\u0146ojums joproj\u0101m saglab\u0101jas zem izaugsmes l\u012bme\u0146a.<\/p>\n
Baltijas valstu izaugsmes prognozes 2025. gadam liecina par m\u0113renu, bet pak\u0101penisku atvese\u013co\u0161anos, kas sal\u012bdzin\u0101jum\u0101 ar iepriek\u0161\u0113jiem pie\u0146\u0113mumiem notiek gadu v\u0113l\u0101k, nek\u0101 s\u0101kotn\u0113ji gaid\u012bts.<\/p>\n
Lai noskaidrotu Baltijas valstu uz\u0146\u0113m\u0113ju skat\u012bjumu uz ekonomikas att\u012bst\u012bbu, invest\u012bciju vidi un n\u0101kotnes iecer\u0113m, banka Citadele sadarb\u012bb\u0101 ar p\u0113t\u012bjumu a\u0123ent\u016bru Norstat 2025. gada septembr\u012b un oktobr\u012b veica telefonisku aptauju, kur\u0101 piedal\u012bj\u0101s vair\u0101k nek\u0101 1500 uz\u0146\u0113mumu vad\u012bt\u0101ju (CEO, CFO, COO u. c.) vis\u0101s Baltijas valst\u012bs.<\/p>\n","protected":false},"excerpt":{"rendered":"Uz\u0146\u0113mumu kredit\u0113\u0161ana Latvij\u0101 aug strauj\u0101k nek\u0101 liel\u0101kaj\u0101 da\u013c\u0101 eirozonas \u2013 Latvijas uz\u0146\u0113mumu aktivit\u0101te finans\u0113juma piesaist\u0113 bank\u0101 Citadele pieaugusi…\n","protected":false},"author":2,"featured_media":21708,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-21707","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/21707","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=21707"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/21707\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/21708"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=21707"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=21707"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=21707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}