Latvijas finan\u0161u sektora pe\u013c\u0146a samazin\u0101s par teju tre\u0161da\u013cu<\/p>\n
Latvijas monet\u0101r\u0101s finan\u0161u iest\u0101des (MFI), kuru galvenok\u0101rt veido bankas, \u0161ogad devi\u0146os m\u0113ne\u0161os ir str\u0101d\u0101ju\u0161as ar kop\u0113jo pe\u013c\u0146u 294,5 miljonu eiro apm\u0113r\u0101. Tas ir par iev\u0113rojamu 29,2% maz\u0101k nek\u0101 t\u0101ds pats periods iepriek\u0161\u0113j\u0101 gad\u0101, liecina Latvijas Bankas publiskotie dati. Tikai septembr\u012b vien monet\u0101ro finan\u0161u iest\u0101\u017eu pe\u013c\u0146a sasniegusi 24,4 miljonus eiro. \u0160is kritums nav vienk\u0101r\u0161i skaitlis, bet gan skaidrs sign\u0101ls par p\u0101rmai\u0146\u0101m finan\u0161u vid\u0113, kas prasa r\u016bp\u012bgu anal\u012bzi.<\/p>\n
Iemesli pe\u013c\u0146as kritumam: procentu likmju dinamika un solidarit\u0101tes iemaksas<\/p>\n
Galvenais faktors, kas ietekm\u0113jis banku pe\u013c\u0146as samazin\u0101jumu, ir t\u012bro procentu ien\u0101kumu kritums. Tas tie\u0161i saist\u012bts ar Eiropas Centr\u0101l\u0101s bankas (ECB) l\u0113mumu pak\u0101peniski samazin\u0101t procentu likmes. 2025. gada j\u016bnij\u0101 likmes tika pazemin\u0101tas par 25 b\u0101zes punktiem, piem\u0113ram, noguld\u012bjumu iesp\u0113jas uz nakti likmei samazinoties l\u012bdz 2%. \u0160\u0101das izmai\u0146as tie\u0161\u0101 veid\u0101 samazina banku iesp\u0113jas g\u016bt ien\u0101kumus no procentu starp\u012bbas, kas ir to pamatdarb\u012bbas st\u016brakmens. L\u012bdztekus tam, bank\u0101m n\u0101kas saskarties ar pieaugo\u0161iem administrat\u012bvajiem izdevumiem, ko veicina t\u0101 d\u0113v\u0113t\u0101s solidarit\u0101tes iemaksas. Piem\u0113ram, viena no liel\u0101kaj\u0101m bank\u0101m Latvij\u0101 solidarit\u0101tes iemaks\u0101m pirmaj\u0101 pusgad\u0101 novirz\u012bjusi 36 miljonus eiro, kas b\u016btiski ietekm\u0113 kop\u0113jo rentabilit\u0101ti.<\/p>\n
Akt\u012bvu pieaugums un kred\u012btportfe\u013ca izaugsme \u2013 stabilit\u0101tes paz\u012bmes<\/p>\n
Neskatoties uz pe\u013c\u0146as kritumu, Latvijas monet\u0101ro finan\u0161u iest\u0101\u017eu akt\u012bvu kopsumma uz 2025. gada 30. septembri sasniegusi 30,426 miljardus eiro, kas ir par 6,7% jeb 1,92 miljardiem eiro vair\u0101k nek\u0101 gadu iepriek\u0161. \u0160is akt\u012bvu pieaugums liecina par finan\u0161u sektora notur\u012bbu un sp\u0113ju piesaist\u012bt jaunus resursus. V\u0113l jo vair\u0101k iepriecino\u0161i ir dati par rezidentiem izsniegto kred\u012btu atlikumu, kas septembra beig\u0101s sasniedzis 15,393 miljardus eiro, demonstr\u0113jot 9,3% pieaugumu sal\u012bdzin\u0101jum\u0101 ar iepriek\u0161\u0113jo gadu. \u0160is pieaugums ir pla\u0161s un aptver gan kred\u012btus eiro, gan ar\u012b neliel\u0101 m\u0113r\u0101 \u0101rvalstu val\u016bt\u0101 izsniegtos kred\u012btus. Tas nor\u0101da uz akt\u012bvu ekonomikas att\u012bst\u012bbu un pieaugo\u0161u piepras\u012bjumu p\u0113c finans\u0113juma gan m\u0101jsaimniec\u012bb\u0101m, gan uz\u0146\u0113mumiem, t\u0101d\u0113j\u0101di apliecinot sektora stabilit\u0101ti un potenci\u0101lu.<\/p>\n
Perspekt\u012bvas un izaicin\u0101jumi<\/p>\n
Lai gan pe\u013c\u0146as kritums ir satrauco\u0161s, ir svar\u012bgi analiz\u0113t visus aspektus. Akt\u012bvu un kred\u012btportfe\u013ca pieaugums sniedz cer\u012bbu par turpm\u0101ku stabilit\u0101ti. Tom\u0113r finan\u0161u nozarei b\u016bs j\u0101piel\u0101gojas jaunajiem apst\u0101k\u013ciem, tostarp turpinot mekl\u0113t efekt\u012bvus veidus, k\u0101 p\u0101rvald\u012bt izdevumus un mekl\u0113t jaunus ien\u0101kumu avotus. Glob\u0101l\u0101s ekonomikas nenoteikt\u012bba, \u0123eopolitiskie riski un infl\u0101cijas dinamika turpin\u0101s ietekm\u0113t finan\u0161u sektoru, t\u0101p\u0113c ir svar\u012bgi saglab\u0101t modr\u012bbu un strat\u0113\u0123iski pl\u0101not n\u0101kotni.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas finan\u0161u sektora pe\u013c\u0146a samazin\u0101s par teju tre\u0161da\u013cu Latvijas monet\u0101r\u0101s finan\u0161u iest\u0101des (MFI), kuru galvenok\u0101rt veido bankas, \u0161ogad…\n","protected":false},"author":2,"featured_media":33170,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,780,28,29,32,33,9923,22,3626,30,31,35,39,38,36,37,34,46,40,20,5715,26,27,24,25,21],"class_list":{"0":"post-33169","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-bankas","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-featured-news","13":"tag-featurednews","14":"tag-finansu-iestades","15":"tag-headlines","16":"tag-krediti","17":"tag-latest-news","18":"tag-latestnews","19":"tag-latvia","20":"tag-latvian","21":"tag-latviesu","22":"tag-latviesu-valoda","23":"tag-latviesuvaloda","24":"tag-latvija","25":"tag-latvijas-banka","26":"tag-lv","27":"tag-news","28":"tag-pelna","29":"tag-popularakas-zinas","30":"tag-popularakaszinas","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115450588894229184","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/33169","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=33169"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/33169\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/33170"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=33169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=33169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=33169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}