Latvijas finan\u0161u iest\u0101\u017eu pe\u013c\u0146as kritums: dzi\u013c\u0101ks skatiens uz c\u0113lo\u0146iem un sek\u0101m<\/p>\n
Latvijas monet\u0101r\u0101s finan\u0161u iest\u0101des, kas galvenok\u0101rt sast\u0101v no bank\u0101m, devi\u0146os \u0161\u012b gada m\u0113ne\u0161os ir piedz\u012bvoju\u0161as iev\u0113rojamu pe\u013c\u0146as samazin\u0101jumu. Kopum\u0101 pe\u013c\u0146a sasniegusi 294,5 miljonus eiro, kas ir par 29,2% maz\u0101k nek\u0101 attiec\u012bgaj\u0101 period\u0101 pag\u0101ju\u0161aj\u0101 gad\u0101. \u0160is r\u0101d\u012bt\u0101js, ko publiskojusi Latvijas Banka, liecina par b\u016btisk\u0101m p\u0101rmai\u0146\u0101m finan\u0161u nozar\u0113, kuru izpratne prasa r\u016bp\u012bgu anal\u012bzi un skaidru skat\u012bjumu uz galvenajiem faktoriem.<\/p>\n
Galvenie faktori, kas ietekm\u0113 pe\u013c\u0146u<\/p>\n
Viens no galvenajiem iemesliem banku pe\u013c\u0146as kritumam ir t\u012bro procentu ien\u0101kumu samazin\u0101\u0161an\u0101s. 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 notikus\u012b likmju pazemin\u0101\u0161ana, piem\u0113ram, noguld\u012bjumu iesp\u0113jas uz nakti likmei samazinoties l\u012bdz 2%, tie\u0161i ietekm\u0113 banku ien\u0101kumus no procentu starp\u012bbas \u2013 to pamata darb\u012bbas st\u016brakmens. \u0160\u012b tendence nav tikai lok\u0101la, bet atspogu\u013co pla\u0161\u0101kas Eiropas monet\u0101r\u0101s politikas izmai\u0146as, kas neizb\u0113gami atsaucas ar\u012b uz Latvijas finan\u0161u tirgu. Papildus 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 pirmaj\u0101 pusgad\u0101 solidarit\u0101tes iemaks\u0101m novirz\u012bjusi 36 miljonus eiro, kas b\u016btiski ietekm\u0113 kop\u0113jo rentabilit\u0101ti un rada papildu finansi\u0101lo slogu.<\/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. Tas ir par 6,7% jeb 1,92 miljardiem eiro vair\u0101k nek\u0101 gadu iepriek\u0161. \u0160is akt\u012bvu pieaugums signaliz\u0113 par finan\u0161u sektora notur\u012bbu un sp\u0113ju piesaist\u012bt jaunus resursus, pat kr\u012bzes apst\u0101k\u013cos. 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 kred\u012btu 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, apliecinot sektora stabilit\u0101ti un potenci\u0101lu n\u0101kotn\u0113. Pat\u0113r\u0113t\u0101ju un uz\u0146\u0113mumu uztic\u012bba finan\u0161u sist\u0113mai ir svar\u012bgs faktors, kas veicina gan noguld\u012bjumu, gan kred\u012btu apjoma pieaugumu.<\/p>\n
Noguld\u012bjumu tendences un tirgus dinamika<\/p>\n
No rezidentiem piesaist\u012bto noguld\u012bjumu atlikums 2025. gada septembra beig\u0101s bija 20,179 miljardi eiro, kas ir par 9,6% vair\u0101k nek\u0101 pirms gada. Starp \u0161iem noguld\u012bjumiem eiro veidoja 18,889 miljardus eiro, bet \u0101rvalstu val\u016bt\u0101s \u2013 1,29 miljardus eiro. \u0160\u012b stabil\u0101 noguld\u012bjumu b\u0101ze nodro\u0161ina finan\u0161u iest\u0101d\u0113m nepiecie\u0161amo likvidit\u0101ti un \u013cauj turpin\u0101t kredit\u0113\u0161anas darb\u012bbas, pat ja procentu likmes ir zem\u0101kas. Lai gan banku pe\u013c\u0146as mar\u017eas ir samazin\u0101ju\u0161\u0101s, kop\u0113jais dar\u012bjumu apjoms un piesaist\u012bto l\u012bdzek\u013cu apjoms turpina augt, kas ir pozit\u012bva z\u012bme tautsaimniec\u012bbas att\u012bst\u012bbai. Lai gan finan\u0161u iest\u0101\u017eu pe\u013c\u0146as kritums var\u0113tu rad\u012bt ba\u017eas, svar\u012bgi ir saskat\u012bt pla\u0161\u0101ku ainu. Akt\u012bvu un noguld\u012bjumu pieaugums, k\u0101 ar\u012b kred\u012btportfe\u013ca izaugsme liecina par sp\u0113c\u012bgu un notur\u012bgu finan\u0161u sist\u0113mu, kas sp\u0113j piel\u0101goties main\u012bgajiem ekonomikas apst\u0101k\u013ciem un turpin\u0101t atbalst\u012bt Latvijas tautsaimniec\u012bbu.<\/p>\n
N\u0101kotnes perspekt\u012bvas un izaicin\u0101jumi<\/p>\n
Neskatoties uz pa\u0161reiz\u0113jiem izaicin\u0101jumiem, finan\u0161u sektora n\u0101kotnes perspekt\u012bvas ir saist\u012btas ar ekonomikas kop\u0113jo att\u012bst\u012bbu un monet\u0101r\u0101s politikas t\u0101l\u0101kaj\u0101m izmai\u0146\u0101m. Samazinoties procentu likm\u0113m, bank\u0101m b\u016bs j\u0101mekl\u0113 jauni ien\u0101kumu avoti un j\u0101pilnveido savi pakalpojumi, lai saglab\u0101tu konkur\u0113tsp\u0113ju. Iesp\u0113jamais risin\u0101jums var\u0113tu b\u016bt digit\u0101lo pakalpojumu att\u012bst\u012bba, invest\u012bciju konsult\u0101cijas un citi pakalpojumi, kas sniedz pievienoto v\u0113rt\u012bbu klientiem. Latvijas Banka turpina uzraudz\u012bt finan\u0161u sektora stabilit\u0101ti un sniegt ieteikumus politikas veidot\u0101jiem, lai nodro\u0161in\u0101tu ilgtsp\u0113j\u012bgu tautsaimniec\u012bbas att\u012bst\u012bbu. Turpm\u0101kajos gados sagaid\u0101ms, ka glob\u0101l\u0101s ekonomikas vide pak\u0101peniski uzlabosies, kas pozit\u012bvi ietekm\u0113s ar\u012b Latvijas tautsaimniec\u012bbu. Zemo procentu likmju vide eirozon\u0101 var\u0113tu stiprin\u0101t pat\u0113ri\u0146u un nekustam\u0101 \u012bpa\u0161uma tirgu, savuk\u0101rt ES fondu invest\u012bciju pieaugums un veikt\u0101s reformas konkur\u0113tsp\u0113jas stiprin\u0101\u0161an\u0101 dos papildu gr\u016bdienu ekonomikas izaugsmei.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas finan\u0161u iest\u0101\u017eu pe\u013c\u0146as kritums: dzi\u013c\u0101ks skatiens uz c\u0113lo\u0146iem un sek\u0101m Latvijas monet\u0101r\u0101s finan\u0161u iest\u0101des, kas galvenok\u0101rt sast\u0101v…\n","protected":false},"author":2,"featured_media":33946,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,2548,28,29,4948,32,33,9923,22,30,31,35,39,38,36,37,34,46,40,20,26,27,549,24,25,21],"class_list":{"0":"post-33945","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-banku-pelna","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-ekonomikas-attistiba","13":"tag-featured-news","14":"tag-featurednews","15":"tag-finansu-iestades","16":"tag-headlines","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-popularakas-zinas","29":"tag-popularakaszinas","30":"tag-procentu-likmes","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115455846200477429","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/33945","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=33945"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/33945\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/33946"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=33945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=33945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=33945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}