{"id":1623,"date":"2023-06-20T06:59:48","date_gmt":"2023-06-20T06:59:48","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1623"},"modified":"2023-06-20T06:59:48","modified_gmt":"2023-06-20T06:59:48","slug":"moneta-prijala-2-miliardy-kc-podrizenych-vkladu","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1623","title":{"rendered":"MONETA p\u0159ijala 2 miliardy K\u010d pod\u0159\u00edzen\u00fdch vklad\u016f"},"content":{"rendered":"<p><strong>Pod\u0159\u00edzen\u00fd vklad za\u010dala MONETA Money Bank nab\u00edzet sv\u00fdm klient\u016fm 1. \u010dervna leto\u0161n\u00edho roku, d\u00edky obrovsk\u00e9mu z\u00e1jmu z\u00edskala u\u017e b\u011bhem prvn\u00edch t\u0159\u00ed t\u00fddn\u016f 2 miliardy korun. Banka t\u00edm pokryje dodate\u010dnou pot\u0159ebu kapit\u00e1lu a zp\u016fsobil\u00fdch z\u00e1vazk\u016f (MREL) do druh\u00e9 poloviny roku 2024 a m\u016f\u017ee tak i nad\u00e1le pokra\u010dovat ve sv\u00e9 dividendov\u00e9 politice.<\/strong><!--more--><\/p>\n<p><strong>\u00a0<\/strong>Minim\u00e1ln\u00ed po\u017eadavek na kapit\u00e1l a zp\u016fsobil\u00e9 z\u00e1vazky stanovuje bank\u00e1m \u010cesk\u00e1 n\u00e1rodn\u00ed banka na z\u00e1klad\u011b evropsk\u00e9 sm\u011brnice, zaveden\u00e9 v\u00a0reakci na finan\u010dn\u00ed krizi z\u00a0roku 2008. Po dvoulet\u00e9m p\u0159echodn\u00e9m obdob\u00ed vstupuje tento regulatorn\u00ed po\u017eadavek v\u00a0platnost 1. ledna 2024. Veden\u00ed banky ji\u017e d\u0159\u00edve avizovalo sv\u016fj z\u00e1m\u011br pokr\u00fdt tento po\u017eadavek p\u0159edev\u0161\u00edm nab\u00eddkou pod\u0159\u00edzen\u00e9ho vkladu.<\/p>\n<p>\u201e<em>B\u011bhem prvn\u00edch t\u0159\u00ed t\u00fddn\u016f, kdy jsme za\u010dali pod\u0159\u00edzen\u00fd vklad nab\u00edzet, n\u00e1m prost\u0159ednictv\u00edm tohoto produktu klienti sv\u011b\u0159ili ji\u017e 2 miliardy korun. Je to pro n\u00e1s d\u016fkaz toho, \u017ee jsme nab\u00eddli atraktivn\u00ed produkt ale tak\u00e9 jasn\u00fd sign\u00e1l, \u017ee klienti vn\u00edmaj\u00ed Monetu jako velmi silnou a zdravou banku. Z\u00e1rove\u0148 bych r\u00e1d vyzdvihl i skv\u011blou pr\u00e1ci na\u0161ich investi\u010dn\u00edch specialist\u016f a bank\u00e9\u0159\u016f, kter\u00fdm se poda\u0159ilo dos\u00e1hnout c\u00edlov\u00e9ho objemu vkladu v\u00a0takto kr\u00e1tk\u00e9m \u010dase\u201c<\/em> uvedl v\u00a0t\u00e9to souvislosti p\u0159edseda p\u0159edstavenstva MONETA Money Bank Tom\u00e1\u0161 Spurn\u00fd.<\/p>\n<p>Pos\u00edlen\u00e1 kapit\u00e1lov\u00e1 pozice umo\u017en\u00ed bance ponechat dividendovou politiku beze zm\u011bn. Od vstupu na burzu v\u00a0roce 2016 vyplatila MONETA sv\u00fdm akcion\u00e1\u0159\u016fm ji\u017e 83 procent sv\u00e9ho konsolidovan\u00e9ho \u010dist\u00e9ho zisku. Za rok 2022 vyplatila banka dividendu ve v\u00fd\u0161i 4,1 miliardy korun neboli 8 korun na akcii. P\u0159i aktu\u00e1ln\u00ed cen\u011b akci\u00ed se tak jedn\u00e1 o dividendov\u00fd v\u00fdnos na \u00farovni deseti procent. V\u00a0n\u00e1sleduj\u00edc\u00edch p\u011bti letech pl\u00e1nuje veden\u00ed banky, \u017ee jej\u00ed kumulativn\u00ed konsolidovan\u00fd \u010dist\u00fd zisk dos\u00e1hne minim\u00e1ln\u00ed v\u00fd\u0161e 23,6 miliardy korun.<\/p>\n<p>Pod\u0159\u00edzen\u00fd vklad banka distribuuje prost\u0159ednictv\u00edm vlastn\u00ed s\u00edt\u011b investi\u010dn\u00edch specialist\u016f a vybran\u00fdch bank\u00e9\u0159\u016f. Jeho d\u00e9lka je stanovena na p\u011bt let a jeden m\u011bs\u00edc a s garantovanou \u00farokovou sazbou 7 procent po celou dobu trv\u00e1n\u00ed. Minim\u00e1ln\u00ed v\u00fd\u0161e vkladu je 100 tis\u00edc korun, maxim\u00e1ln\u00ed hranice naopak stanovena nen\u00ed. \u00darok je pak vypl\u00e1cen m\u011bs\u00ed\u010dn\u011b. \u010casov\u011b omezen\u00e1 nab\u00eddka pod\u0159\u00edzen\u00e9ho term\u00ednovan\u00e9ho vkladu bude ukon\u010dena 23. \u010dervna 2023.<\/p>\n<p>Pod\u0159\u00edzen\u00fd vklad je depozitn\u00ed produkt, kter\u00fd se podob\u00e1 term\u00ednovan\u00e9mu vkladu, na rozd\u00edl od n\u011bj se ale na n\u011bj nevztahuje poji\u0161t\u011bn\u00ed vklad\u016f u Garan\u010dn\u00edho syst\u00e9mu a ani jej nelze p\u0159ed\u010dasn\u011b vypov\u011bd\u011bt. V\u00a0p\u0159\u00edpad\u011b, \u017ee by do\u0161lo k\u00a0likvidaci \u010di \u00fapadku banky, se tyto pohled\u00e1vky uspokoj\u00ed a\u017e po vyplacen\u00ed v\u0161ech nepod\u0159\u00edzen\u00fdch pohled\u00e1vek.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Pod\u0159\u00edzen\u00fd vklad za\u010dala MONETA Money Bank nab\u00edzet sv\u00fdm klient\u016fm 1. \u010dervna leto\u0161n\u00edho roku, d\u00edky obrovsk\u00e9mu z\u00e1jmu z\u00edskala u\u017e b\u011bhem prvn\u00edch t\u0159\u00ed t\u00fddn\u016f 2 miliardy korun. <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1623\" title=\"MONETA p\u0159ijala 2 miliardy K\u010d pod\u0159\u00edzen\u00fdch vklad\u016f\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1623","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\/1623","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=1623"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1623\/revisions"}],"predecessor-version":[{"id":1624,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1623\/revisions\/1624"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/124"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}