{"id":1020,"date":"2023-02-27T10:05:34","date_gmt":"2023-02-27T10:05:34","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1020"},"modified":"2023-02-27T13:34:36","modified_gmt":"2023-02-27T13:34:36","slug":"gsft-rok-od-padu-sberbank-cz-bylo-vyplaceno-vice-nez-25-miliard-korun","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1020","title":{"rendered":"GSFT vyplatil za Sberbank v\u00edce ne\u017e 25 miliard korun"},"content":{"rendered":"

Nejv\u011bt\u0161\u00ed v\u00fdplata n\u00e1hrad vklad\u016f v\u00a0historii \u010desk\u00e9ho syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f \u00fasp\u011b\u0161n\u011b pokra\u010duje i rok po p\u00e1du Sberbank CZ. Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu b\u011bhem 12 m\u011bs\u00edc\u016f vyplatil prost\u0159ednictv\u00edm pobo\u010dek Komer\u010dn\u00ed banky n\u00e1hradu vklad\u016f v\u00edce ne\u017e 87 tis\u00edc\u016fm klient\u016f Sberbank CZ, kte\u0159\u00ed z\u00edskali 25,362 miliard korun.<\/strong><\/p>\n

<\/p>\n

V\u00fdplaty n\u00e1hrad vklad\u016f z\u00a0padl\u00e9 Sberbank CZ za\u010dal Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu vypl\u00e1cet 9. b\u0159ezna lo\u0148sk\u00e9ho roku, tedy ji\u017e 7 pracovn\u00edch dn\u016f po p\u00e1du banky.<\/p>\n

\u201eNejv\u00edce klient\u016f chod\u00ed pro n\u00e1hradu vklad\u016f v prvn\u00edch dnech po zah\u00e1jen\u00ed v\u00fdplat. Hned ve st\u0159edu 9. b\u0159ezna to bylo 13 348 klient\u016f, n\u00e1sleduj\u00edc\u00ed den 7 971, v p\u00e1tek 11. b\u0159ezna pak 6 301 klient\u016f. B\u011bhem b\u0159ezna si pro n\u00e1hradu vklad\u016f p\u0159i\u0161ly na pobo\u010dky Komer\u010dn\u00ed banky, skrze kter\u00e9 jsme v\u00fdplatu realizovali, zhruba dv\u011b t\u0159etiny klient\u016f padl\u00e9 banky. Od konce b\u0159ezna se pak po\u010dty za den pohybovaly v r\u00e1mci st\u0159edn\u00edch a ni\u017e\u0161\u00edch stovek,\u201c vypo\u010d\u00edt\u00e1v\u00e1 Ren\u00e1ta Kadlecov\u00e1, v\u00fdkonn\u00e1 \u0159editelka Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu.<\/p>\n

Garan\u010dn\u00ed syst\u00e9m m\u00e1 z\u00e1konnou povinnost zah\u00e1jit v\u00fdplatu n\u00e1hrad vklad\u016f z\u00a0padl\u00e9 finan\u010dn\u00ed instituce do 7 pracovn\u00edch dn\u00ed ode dne, kdy \u010cesk\u00e1 n\u00e1rodn\u00ed banka ozn\u00e1m\u00ed, \u017ee finan\u010dn\u00ed instituce nedok\u00e1\u017ee dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Nejinak to bylo i v\u00a0tomto p\u0159\u00edpad\u011b, kdy p\u00e1d banky nastal t\u00e9m\u011b\u0159 ze dne na den. \u0160lo nav\u00edc, co do finan\u010dn\u00edho objemu, o nejv\u011bt\u0161\u00ed v\u00fdplatu n\u00e1hrad vklad\u016f. \u201eCo do celkov\u00e9 v\u00fd\u0161e poji\u0161t\u011bn\u00fdch vklad\u016f je v\u00fdplata Sberbank tou nejv\u011bt\u0161\u00ed. Co se t\u00fd\u010de po\u010dtu vypl\u00e1cen\u00fdch klient\u016f, tak nev\u011bt\u0161\u00ed v\u00fdplatou v historii byla v\u00fdplata klient\u016f zkrachoval\u00e9 Union banky v roce 2003. Tehdy \u0161lo o 130 tis\u00edc klient\u016f. Sberbank je ale se sv\u00fdmi v\u00edce ne\u017e 121 tis\u00edci klienty hned na druh\u00e9m m\u00edst\u011b,\u201c vysv\u011btluje Ren\u00e1ta Kadlecov\u00e1.<\/p>\n

Na to, vyzvednout si n\u00e1hradu vklad\u016f, maj\u00ed klienti Sberbank CZ ze z\u00e1kona t\u0159i roky. V\u00a0tuto chv\u00edli si n\u00e1hradu vklad\u016f vyzvedlo p\u0159es 87 tis\u00edc klient\u016f banky, dal\u0161\u00edch zhruba 34 tis\u00edc klient\u016f m\u00e1 \u010das a\u017e do 10. b\u0159ezna 2025. \u201eMezi klienty padl\u00fdch finan\u010dn\u00edch instituc\u00ed, kte\u0159\u00ed maj\u00ed n\u00e1rok na v\u00fdplatu n\u00e1hrady vklad\u016f, je \u010dasto velk\u00e9 mno\u017estv\u00ed t\u011bch, kte\u0159\u00ed m\u011bli na \u00fa\u010dtech z\u016fstatky v mal\u00e9 v\u00fd\u0161i. Nen\u00ed v\u00fdjimkou, \u017ee si takov\u00ed klienti pro n\u00e1hradu ani nep\u0159ijdou. Jednodu\u0161e se jim nevyplat\u00ed kv\u016fli jednotk\u00e1m korun jet na pobo\u010dku vypl\u00e1cej\u00edc\u00ed banky,\u201c vysv\u011btluje Ren\u00e1ta Kadlecov\u00e1. Nevyzvednut\u00e9 prost\u0159edky z\u016fst\u00e1vaj\u00ed v Garan\u010dn\u00edm syst\u00e9mu a jsou ur\u010deny k dal\u0161\u00edm v\u00fdplat\u00e1m n\u00e1hrad vklad\u016f.<\/p>\n

Sedm dn\u00ed a sto procent vkladu<\/strong><\/p>\n

To, \u017ee klienti padl\u00fdch finan\u010dn\u00edch instituc\u00ed z\u00edskaj\u00ed zp\u011bt 100 % sv\u00fdch vklad\u016f a\u017e do ekvivalentu 100\u00a0000 euro nebyla v\u017edy samoz\u0159ejmost. V\u00fd\u0161e poji\u0161t\u011bn\u00fdch vklad\u016f i doba, za jakou je mohli z\u00edskat zp\u011bt z\u00a0padl\u00e9 instituce, se v\u00a0\u010dase m\u011bnila. Nap\u0159\u00edklad v\u00a0dob\u011b zalo\u017een\u00ed Fondu poji\u0161t\u011bn\u00ed vklad\u016f bylo poji\u0161t\u011bno jen 80 % hodnoty vkladu, a to pouze do v\u00fd\u0161e 100\u00a0000 korun. \u201eTato defacto spolu\u00fa\u010dast zmizela a\u017e v\u00a0roce 2008 p\u0159ijet\u00edm evropsk\u00e9 sm\u011brnice. Tehdy do\u0161lo tak\u00e9 k\u00a0nav\u00fd\u0161en\u00ed poji\u0161t\u011bn\u00e9 \u010d\u00e1stky ze 400\u00a0000 korun na ekvivalent 50\u00a0000 euro, kter\u00fd pozd\u011bji vzrostl a\u017e na 100\u00a0000 euro,\u201c popisuje Ren\u00e1ta Kadlecov\u00e1.<\/p>\n

Relativn\u00ed novinkou je tak\u00e9 to, \u017ee pro n\u00e1hradu vklad\u016f nemus\u00ed chodit st\u0159adatel\u00e9 na pobo\u010dky vypl\u00e1cej\u00edc\u00ed banky osobn\u011b. Mohou o ni po\u017e\u00e1dat i koresponden\u010dn\u011b. T\u00e9to mo\u017enosti vyu\u017eilo za uplynul\u00fdch 12 m\u011bs\u00edc\u016f v\u00fdplaty 11\u00a0575 opr\u00e1vn\u011bn\u00fdch osob, kte\u0159\u00ed tak z\u00edskali v\u00edce ne\u017e 1,5 miliardy korun.<\/p>\n

Pokud klienti nesouhlas\u00ed s v\u00fd\u0161\u00ed n\u00e1hrady nebo nalezli n\u011bjakou nesrovnalost, mohou se na Garan\u010dn\u00ed syst\u00e9m obr\u00e1tit s reklamac\u00ed. Tak od za\u010d\u00e1tku v\u00fdplat u\u010dinilo ji\u017e 825 klient\u016f Sberbank CZ, p\u0159i\u010dem\u017e jako opr\u00e1vn\u011bn\u00fdch vyhodnotil Garan\u010dn\u00ed syst\u00e9m zhruba 20 % \u017e\u00e1dost\u00ed. Nej\u010dast\u011bj\u0161\u00edm d\u016fvodem neopr\u00e1vn\u011bn\u00e9 reklamace byl nap\u0159\u00edklad fakt, \u017ee klient\u016fm nebyl vyplacen cel\u00fd vklad, jeliko\u017e p\u0159ekra\u010doval z\u00e1konn\u00fd limit 100 000 euro na osobu, \u017ee jim nebyl vyplacen vklad v m\u011bn\u011b \u00fa\u010dtu (\u010dasto v rublech), nebo \u017ee jim nebyly vyplaceny z\u016fstatky z investi\u010dn\u00edch \u00fa\u010dt\u016f (cenn\u00e9 pap\u00edry), kter\u00e9 nepat\u0159\u00ed mezi z\u00e1konem poji\u0161t\u011bn\u00ed produkty.<\/p>\n

Na velk\u00e9 st\u0159adatele a samospr\u00e1vy se dostane v\u00a0insolvenci<\/strong><\/p>\n

Ze z\u00e1kona jsou u Garan\u010dn\u00edho syst\u00e9mu poji\u0161t\u011bny jen vklady fyzick\u00fdch a pr\u00e1vnick\u00fdch osob, a to a\u017e do v\u00fd\u0161e ekvivalentu 100\u00a0000 euro, respektive 200\u00a0000 euro p\u0159i spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek pro z\u00edsk\u00e1n\u00ed tzv. zv\u00fd\u0161en\u00e9 n\u00e1hrady[1]<\/sup><\/a>. Poji\u0161t\u011bn\u00ed vklad\u016f se t\u00fdk\u00e1 i n\u011bkter\u00fdch men\u0161\u00edch samospr\u00e1v, kter\u00e9 spln\u00ed z\u00e1konn\u00e9 podm\u00ednky[2]<\/sup><\/a>. Zbyl\u00ed v\u011b\u0159itel\u00e9, nebo v\u011b\u0159itel\u00e9, kte\u0159\u00ed m\u011bli u Sberbank CZ prost\u0159edky p\u0159esahuj\u00edc\u00ed limit z\u00e1konn\u00e9ho poji\u0161t\u011bn\u00ed vklad\u016f, budou uspokojen\u00ed v\u00a0insolven\u010dn\u00edm \u0159\u00edzen\u00ed banky.<\/p>\n

\u201eNa z\u00e1klad\u011b dosavadn\u00edho pr\u016fb\u011bhu a vyj\u00e1d\u0159en\u00ed insolven\u010dn\u00ed spr\u00e1vkyn\u011b v\u011b\u0159\u00edm, \u017ee dojde k\u00a0historicky nej\u00fasp\u011b\u0161n\u011bj\u0161\u00edmu a nejrychlej\u0161\u00edmu uspokojen\u00ed v\u011b\u0159itel\u016f v\u00a0insolven\u010dn\u00edm \u0159\u00edzen\u00ed.<\/p>\n

Pr\u016fm\u011brn\u00e1 doba insolven\u010dn\u00edch \u0159\u00edzen\u00ed bank a dru\u017estevn\u00edch z\u00e1lo\u017een v\u00a0\u010cesku je aktu\u00e1ln\u011b asi 15 let, v\u00a0p\u0159\u00edpad\u011b Sberbank mohou b\u00fdt pohled\u00e1vky vyrovn\u00e1ny u\u017e do jednoho roku od za\u010d\u00e1tku insolven\u010dn\u00edho \u0159\u00edzen\u00ed. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e prvn\u00edho pln\u011bn\u00ed z\u00a0insolven\u010dn\u00edch \u0159\u00edzen\u00ed bank b\u00fdv\u00e1 26 % z\u00a0pohled\u00e1vky, v\u00a0aktu\u00e1ln\u00edm insolven\u010dn\u00edm \u0159\u00edzen\u00ed se Sberbank CZ mohou dostat v\u011b\u0159itel\u00e9 a\u017e \u00a0\u00a0\u00a0\u00a0100 % ze sv\u00fdch pohled\u00e1vek,\u201c poznamen\u00e1v\u00e1 Ren\u00e1ta Kadlecov\u00e1.<\/p>\n

\u00dasp\u011bch insolven\u010dn\u00edho \u0159\u00edzen\u00ed te\u010f z\u00e1le\u017e\u00ed na jedn\u00e9 v\u011bci \u2013 tou je napad\u00e1n\u00ed procesu insolvence malou skupinou v\u011b\u0159itel\u016f. \u201ePokud bude jejich napad\u00e1n\u00ed procesu pokra\u010dovat, hroz\u00ed, \u017ee se insolven\u010dn\u00ed \u0159\u00edzen\u00ed Sberbank CZ za\u0159ad\u00ed po bok dal\u0161\u00edch vlekl\u00fdch kauz s minim\u00e1ln\u00edm uspokojen\u00edm v\u011b\u0159itel\u016f,\u201c uzav\u00edr\u00e1 Ren\u00e1ta Kadlecov\u00e1.<\/p>\n

[1]<\/a> https:\/\/www.garancnisystem.cz\/vyse-nahrady<\/a><\/p>\n

[2]<\/a> https:\/\/www.garancnisystem.cz\/vklady-obci-a-kraju-nejsou-od-ucinnosti-nove-pravni-upravy-automaticky-pojisteny-vetsina-vsak-muze-pojisteni-opet-ziskat-nepojisteny-jsou-dale-vklady-statu-i-pripadnych-dalsich-statnich-organu<\/a><\/p>\n

Zdroj: Michaela Proch\u00e1zkov\u00e1<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Nejv\u011bt\u0161\u00ed v\u00fdplata n\u00e1hrad vklad\u016f v\u00a0historii \u010desk\u00e9ho syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f \u00fasp\u011b\u0161n\u011b pokra\u010duje i rok po p\u00e1du Sberbank CZ. Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu b\u011bhem 12 m\u011bs\u00edc\u016f vyplatil […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1020","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1020"}],"version-history":[{"count":5,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1020\/revisions"}],"predecessor-version":[{"id":1028,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1020\/revisions\/1028"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/190"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1020"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1020"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}