{"id":1541,"date":"2023-06-05T08:43:52","date_gmt":"2023-06-05T08:43:52","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1541"},"modified":"2023-06-05T08:43:52","modified_gmt":"2023-06-05T08:43:52","slug":"cnb-nastavuje-makroobezretnostni-politiku","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1541","title":{"rendered":"\u010cNB nastavuje makroobez\u0159etnostn\u00ed politiku"},"content":{"rendered":"<h4>\u010cNB ponechala z\u00e1vazn\u00e9 limity pro hypote\u010dn\u00ed \u00fav\u011bry s v\u00fdjimkou DSTI a sn\u00ed\u017eila proticyklickou kapit\u00e1lovou rezervu na 2,25 %.<\/h4>\n<p><!--more--><\/p>\n<ul>\n<li>Bankovn\u00ed rada \u010cNB <strong>ponechala nastaven\u00e9 horn\u00ed hranice ukazatel\u016f LTV<\/strong> na 80 %, resp.\u00a090 %, a <strong> DTI <\/strong>na 8,5, resp. 9,5.<\/li>\n<li>Bankovn\u00ed rada \u010cNB <strong>deaktivovala <\/strong>s \u00fa\u010dinnost\u00ed od 1. \u010dervence 2023 <strong>nastaven\u00ed horn\u00ed hranice \u00fav\u011brov\u00e9ho ukazatele DSTI<\/strong>.<\/li>\n<li><strong>Ceny prodan\u00fdch byt\u016f v \u010cR<\/strong> se v pr\u016fm\u011bru sni\u017eovaly, p\u0159esto v\u0161ak byly ke konci prvn\u00edho \u010dtvrtlet\u00ed 2023 <strong>o 57 % vy\u0161\u0161\u00ed<\/strong>, ne\u017e by odpov\u00eddalo \u00farovni p\u0159\u00edjm\u016f medi\u00e1nov\u00e9 dom\u00e1cnosti po\u0159izuj\u00edc\u00ed si vlastn\u00ed bydlen\u00ed. Z\u00a0hlediska n\u00e1kupu byt\u016f za \u00fa\u010delem pron\u00e1jmu dosahovalo odhadovan\u00e9 <strong>nadhodnocen\u00ed p\u0159ibli\u017en\u011b 23 %.<\/strong><\/li>\n<li>Bankovn\u00ed rada \u010cNB dnes rozhodla tak\u00e9 o <strong>sn\u00ed\u017een\u00ed sazby proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy <\/strong>o 25 b.\u00a0b.<strong> na 2,25 %<\/strong>, kterou budou banky povinny dodr\u017eovat od 1. \u010dervence 2023.<\/li>\n<li><strong>Finan\u010dn\u00ed sektor<\/strong> v \u010cR z\u016fst\u00e1v\u00e1 <strong>vysoce odoln\u00fd<\/strong> i v\u016f\u010di zhor\u0161en\u00e9mu ekonomick\u00e9mu v\u00fdvoji.<\/li>\n<li><strong>Bankovn\u00ed sektor<\/strong> je dostate\u010dn\u011b kapit\u00e1lov\u011b i likviditn\u011b vybaven, aby odolal \u0161ok\u016fm i v p\u0159\u00edpad\u011b d\u00e9letrvaj\u00edc\u00edch ekonomick\u00fdch pot\u00ed\u017e\u00ed.<\/li>\n<\/ul>\n<p>Bankovn\u00ed rada \u010cesk\u00e9 n\u00e1rodn\u00ed banky ve \u010dtvrtek projednala <em>Zpr\u00e1vu o finan\u010dn\u00ed stabilit\u011b \u2013 jaro 2023<\/em>, kter\u00e1 hodnot\u00ed zdrav\u00ed dom\u00e1c\u00edho finan\u010dn\u00edho sektoru a jeho odolnost v\u016f\u010di nep\u0159\u00edzniv\u00fdm \u0161ok\u016fm. Tento podklad byl pro bankovn\u00ed radu v\u00fdchodiskem pro nastaven\u00ed tzv. makroobez\u0159etnostn\u00ed politiky, jej\u00edmi\u017e hlavn\u00edmi n\u00e1stroji jsou kapit\u00e1lov\u00e9 rezervy bank a horn\u00ed hranice ukazatel\u016f pro poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f zaji\u0161t\u011bn\u00fdch obytnou nemovitost\u00ed.<\/p>\n<p><strong>Bankovn\u00ed rada \u010cNB ve \u010dtvrtek rozhodla o ponech\u00e1n\u00ed horn\u00edch hranic \u00fav\u011brov\u00fdch ukazatel\u016f LTV a DTI a vypnula DSTI<\/strong>. Toto rozhodnut\u00ed vych\u00e1z\u00ed z posouzen\u00ed v\u00fdvoje aktu\u00e1ln\u00edch a o\u010dek\u00e1van\u00fdch syst\u00e9mov\u00fdch rizik v oblasti \u00fav\u011br\u016f na bydlen\u00ed a trhu nemovitost\u00ed, zranitelnosti bankovn\u00edho sektoru a\u00a0sektoru dom\u00e1cnost\u00ed a ostatn\u00edch faktor\u016f, kter\u00e9 ovliv\u0148uj\u00ed odolnost obou t\u011bchto sektor\u016f.<\/p>\n<p><em>\u201eV dob\u011b, kdy bojujeme se zv\u00fd\u0161enou inflac\u00ed, je nutn\u00e9 dodr\u017eovat p\u0159\u00edsn\u00e9 podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. P\u0159i vy\u0161\u0161\u00edch \u00farokov\u00fdch sazb\u00e1ch v\u0161ak ukazatel DSTI nen\u00ed zapot\u0159eb\u00ed,\u201c <\/em>uvedl guvern\u00e9r \u010cNB Ale\u0161 Michl.<\/p>\n<p>S ohledem na st\u00e1le p\u0159etrv\u00e1vaj\u00edc\u00ed nadhodnocen\u00ed cen reziden\u010dn\u00edch nemovitost\u00ed z\u016fst\u00e1v\u00e1 v platnosti horn\u00ed hranice ukazatele LTV na 80 % hodnoty nemovitosti, resp. 90 % pro \u017eadatele mlad\u0161\u00ed 36 let,<\/p>\n<p>a limit DTI na 8,5n\u00e1sobku, resp. 9,5n\u00e1sobku, ro\u010dn\u00edch \u010dist\u00fdch p\u0159\u00edjm\u016f.<\/p>\n<p>U deaktivovan\u00e9ho limitu DSTI platila horn\u00ed hranice 45 %, resp. 50 %, \u010dist\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f \u017eadatele od 1. dubna 2022.<\/p>\n<p><strong>Bankovn\u00ed sektor z\u016fst\u00e1v\u00e1 odoln\u00fd<\/strong><\/p>\n<p><em>Zpr\u00e1va o finan\u010dn\u00ed stabilit\u011b \u2013 jaro 2023<\/em> obsahuje rovn\u011b\u017e v\u00fdsledky z\u00e1t\u011b\u017eov\u00e9ho testu v\u0161ech segment\u016f finan\u010dn\u00edho sektoru. V\u00fdsledky dokladuj\u00ed jejich schopnost ust\u00e1t i siln\u011b nep\u0159\u00edzniv\u00fd v\u00fdvoj.<\/p>\n<p><em>\u201eBankovn\u00ed sektor je dlouhodob\u011b ve velmi dobr\u00e9 kondici. A\u010dkoliv p\u0159etrv\u00e1vaj\u00edc\u00edm rizikem z\u016fst\u00e1v\u00e1 dal\u0161\u00ed v\u00fdvoj kvality \u00fav\u011brov\u00e9ho portfolia, jeho postupn\u00e9 zhor\u0161ov\u00e1n\u00ed, pozorovan\u00e9 v minul\u00e9m roce, se na po\u010d\u00e1tku tohoto roku zastavilo. To je pozitivn\u00ed sign\u00e1l. \u00dav\u011brov\u00e9 ztr\u00e1ty jsou i nad\u00e1le utlumen\u00e9 a\u00a0\u010cNB proto v\u011bnuje velkou pozornost problematice jejich v\u010dasn\u00e9ho a konzervativn\u00edho zachycen\u00ed v\u00a0hospoda\u0159en\u00ed bank,\u201c<\/em> konstatoval \u0159editel sekce finan\u010dn\u00ed stability \u010cNB Libor Holub.<\/p>\n<p><em>\u201eV\u00fdsledky z\u00e1t\u011b\u017eov\u00fdch test\u016f uk\u00e1zaly, \u017ee jak v Z\u00e1kladn\u00edm sc\u00e9n\u00e1\u0159i v\u00fdvoje ekonomiky, tak v\u00a0hypotetick\u00e9m Nep\u0159\u00edzniv\u00e9m sc\u00e9n\u00e1\u0159i by bankovn\u00ed sektor jako celek splnil regulatorn\u00ed kapit\u00e1lov\u00e9 po\u017eadavky,\u201c<\/em> doplnil.<\/p>\n<p>Stabilitu finan\u010dn\u00edho syst\u00e9mu potvrdily i v\u00fdsledky z\u00e1t\u011b\u017eov\u00fdch test\u016f ostatn\u00edch \u010d\u00e1st\u00ed finan\u010dn\u00edho sektoru, dom\u00e1cnost\u00ed, nefinan\u010dn\u00edch podnik\u016f a ve\u0159ejn\u00fdch financ\u00ed.<\/p>\n<p><strong>Bankovn\u00ed rada ve \u010dtvrtek rovn\u011b\u017e rozhodla o sn\u00ed\u017een\u00ed sazby proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy na \u00farove\u0148 2,25 %, kterou budou banky povinny dodr\u017eovat od 1. \u010dervence 2023.<\/strong> V\u00a0tomto rozhodnut\u00ed zohlednila pozici ekonomiky v sestupn\u00e9 f\u00e1zi finan\u010dn\u00edho cyklu, rozsah d\u0159\u00edve p\u0159ijat\u00fdch cyklick\u00fdch rizik v bilanci bankovn\u00edho sektoru a sou\u010dasnou \u00farove\u0148 ekonomick\u00fdch a\u00a0geopolitick\u00fdch nejistot.<\/p>\n<p><em>\u201eBankovn\u00ed rada je p\u0159ipravena sazbu rezervy d\u00e1le pozvoln\u011b sni\u017eovat, pokud i nad\u00e1le uvid\u00edme pokra\u010dov\u00e1n\u00ed trendu p\u0159irozen\u00e9ho odezn\u00edv\u00e1n\u00ed cyklick\u00fdch rizik z bilanc\u00ed bankovn\u00edho sektoru. P\u0159i napl\u0148ov\u00e1n\u00ed sc\u00e9n\u00e1\u0159e v\u00fdrazn\u00e9ho zhor\u0161en\u00ed ekonomick\u00e9 situace a vzniku neo\u010dek\u00e1van\u00fdch \u00fav\u011brov\u00fdch ztr\u00e1t v dom\u00e1c\u00edm bankovn\u00edm sektoru je bankovn\u00ed rada p\u0159ipravena rezervu i zcela uvolnit. To by pak umo\u017enilo jak pokryt\u00ed vznikl\u00fdch ztr\u00e1t, tak zaji\u0161t\u011bn\u00ed dostate\u010dn\u00e9 kapit\u00e1lov\u00e9 kapacity bank k \u00fav\u011brov\u00e1n\u00ed re\u00e1ln\u00e9 ekonomiky,\u201c<\/em> zd\u016fraznila \u010dlenka bankovn\u00ed rady \u010cNB Karina Kubelkov\u00e1.<\/p>\n<p>Celou <em>Zpr\u00e1vu o finan\u010dn\u00ed stabilit\u011b \u2013 jaro 2023<\/em> <strong>zve\u0159ejn\u00ed \u010cNB 19. \u010dervna 2023<\/strong>. Ve stejn\u00fd den bude vyd\u00e1n tak\u00e9 <strong>p\u00edsemn\u00fd z\u00e1znam z dne\u0161n\u00edho jedn\u00e1n\u00ed bankovn\u00ed rady k ot\u00e1zk\u00e1m finan\u010dn\u00ed stability<\/strong> v\u010detn\u011b hlasov\u00e1n\u00ed jednotliv\u00fdch \u010dlen\u016f bankovn\u00ed rady o opat\u0159en\u00edch makroobez\u0159etnostn\u00ed politiky a\u00a0jejich jmenovit\u00fdch argument\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>\u010cNB ponechala z\u00e1vazn\u00e9 limity pro hypote\u010dn\u00ed \u00fav\u011bry s v\u00fdjimkou DSTI a sn\u00ed\u017eila proticyklickou kapit\u00e1lovou rezervu na 2,25 %.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1541","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\/1541","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=1541"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1541\/revisions"}],"predecessor-version":[{"id":1542,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1541\/revisions\/1542"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/127"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1541"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1541"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}