{"id":1762,"date":"2023-08-01T09:30:56","date_gmt":"2023-08-01T09:30:56","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1762"},"modified":"2023-08-01T09:30:56","modified_gmt":"2023-08-01T09:30:56","slug":"gsft-vyzvy-lonskeho-roku-ukazuji-cestu-dal","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1762","title":{"rendered":"GSFT: V\u00fdzvy lo\u0148sk\u00e9ho roku ukazuj\u00ed cestu d\u00e1l"},"content":{"rendered":"

Z\u00e1konem z\u0159\u00edzen\u00fd Garan\u010dn\u00ed syst\u00e9m, kter\u00fd je pil\u00ed\u0159em stability \u010desk\u00e9ho finan\u010dn\u00edho trhu,\u00a0uve\u0159ejnil V\u00fdro\u010dn\u00ed zpr\u00e1vu za rok 2022<\/a>. Jak Garan\u010dn\u00ed syst\u00e9m hospoda\u0159il? A s\u00a0jak\u00fdmi v\u00fdzvami se pot\u00fdkal? P\u0159in\u00e1\u0161\u00edme v\u00e1m shrnut\u00ed ve form\u011b \u010d\u00e1sti \u00favodn\u00ed slova P\u0159edsedy spr\u00e1vn\u00ed rady GSFT Tom\u00e1\u0161e M\u00fcllera.<\/strong><\/span><\/p>\n

V lo\u0148sk\u00e9m roce pro\u0161la \u010cesk\u00e1 republika \u0159adou v\u00fdzev. Energetick\u00e1 krize, vysok\u00e1 inflace a celosv\u011btov\u011b p\u0159etrv\u00e1vaj\u00edc\u00ed probl\u00e9my v dodavatelsk\u00fdch \u0159et\u011bzc\u00edch negativn\u011b ovlivnily \u010deskou ekonomiku, a t\u00edm p\u00e1dem i n\u00e1ladu spole\u010dnosti a jej\u00ed d\u016fv\u011bru v robustnost finan\u010dn\u00edho syst\u00e9mu. Spou\u0161t\u011b\u010dem v\u011bt\u0161iny negativn\u00edch trend\u016f byla rusk\u00e1 invaze na Ukrajinu.<\/p>\n

V\u00fdznamn\u00fd odliv klientsk\u00fdch vklad\u016f v reakci na ud\u00e1losti na Ukrajin\u011b byl d\u016fvodem pro vyd\u00e1n\u00ed Ozn\u00e1men\u00ed o neschopnosti Sberbank CZ, a.s. dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, ke kter\u00e9mu \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159istoupila dne 28. 2. 2022. Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu k 9. b\u0159eznu 2022 spustil v\u00fdplatu n\u00e1hrad pohled\u00e1vek z vklad\u016f jej\u00edm klient\u016fm. Celkov\u00e1 v\u00fd\u0161e n\u00e1hrad, kterou Garan\u010dn\u00ed syst\u00e9m klient\u016fm banky vyplat\u00ed, je nejvy\u0161\u0161\u00ed v historii \u010desk\u00e9ho poji\u0161t\u011bn\u00ed vklad\u016f, a \u010din\u00ed 25,88 miliardy korun. Na v\u00fdplatu n\u00e1hrady m\u00e1 n\u00e1rok v\u00edce ne\u017e 121 tis\u00edc klient\u016f banky.<\/p>\n

V\u00fdplata Sberbank CZ, a.s. s sebou p\u0159inesla \u0159adu novinek, vypl\u00fdvaj\u00edc\u00edch z velikosti a komplexnosti finan\u010dn\u00ed instituce. Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu st\u00e1l p\u0159ed v\u00fdzvou spo\u010d\u00edvaj\u00edc\u00ed v \u0159e\u0161en\u00ed dosud v praxi neotestovan\u00fdch postup\u016f, jako jsou nap\u0159\u00edklad v\u00fdplaty n\u00e1hrad vklad\u016f u \u00fa\u010dt\u016f v re\u017eimu oddlu\u017een\u00ed. \u0158e\u0161en\u00ed n\u011bkter\u00fdch t\u011bchto specifick\u00fdch situac\u00ed konzultoval Garan\u010dn\u00ed syst\u00e9m s ministerstvy financ\u00ed a spravedlnosti a na z\u00e1klad\u011b nov\u00fdch zku\u0161enost\u00ed vyhotovil materi\u00e1l s podn\u011bty, kter\u00fd bude moci b\u00fdt vyu\u017eit p\u0159i novelizaci z\u00e1kona o bank\u00e1ch.<\/p>\n

Sberbank CZ, a.s. se stal osudn\u00fdm u\u010debnicov\u00fd p\u0159\u00edklad runu na banku. Klienti vyslovili bance ned\u016fv\u011bru hromadn\u00fdm v\u00fdb\u011brem vklad\u016f, co\u017e zap\u0159\u00ed\u010dinilo likvidn\u00ed krizi banky. Garan\u010dn\u00ed syst\u00e9m citliv\u011b vn\u00edmal tak\u00e9 zm\u011bnu n\u00e1lad a obav \u0161\u00ed\u0159\u00edc\u00edch se mezi ob\u010dany, kter\u00e9 rychl\u00fd p\u00e1d finan\u010dn\u00ed instituce do \u010desk\u00e9ho bankovn\u00edho syst\u00e9mu p\u0159inesl, a vedle agendy v\u00fdplaty n\u00e1hrad vklad\u016f musel spolu s \u010ceskou n\u00e1rodn\u00ed bankou a \u010ceskou bankovn\u00ed asociac\u00ed ve ve\u0159ejn\u00e9m prostoru akcentovat stabilitu a bezpe\u010dnost bank p\u016fsob\u00edc\u00edch na \u010desk\u00e9m trhu. Spole\u010dn\u00e1 medi\u00e1ln\u00ed komunikace vyjmenovan\u00fdch instituc\u00ed byla v\u010dasn\u00e1 a \u00fasp\u011b\u0161n\u00e1, d\u00edky \u010demu\u017e se poda\u0159ilo p\u0159edej\u00edt probl\u00e9m\u016fm bank a oslaben\u00ed d\u016fv\u011bryhodnosti cel\u00e9ho finan\u010dn\u00edho sektoru.<\/p>\n

\"\"<\/p>\n

V\u00fdplata n\u00e1hrad vklad\u016f od\u010derpala z Fondu poji\u0161t\u011bn\u00ed vklad\u016f bezm\u00e1la 26 miliard korun. D\u00edky insolven\u010dn\u00edmu \u0159\u00edzen\u00ed, kter\u00e9 m\u00e1 potenci\u00e1l b\u00fdt historicky nej\u00fasp\u011b\u0161n\u011bj\u0161\u00edm, o\u010dek\u00e1v\u00e1me, \u017ee se v roce 2023 vr\u00e1t\u00ed do Fondu poji\u0161t\u011bn\u00ed vklad\u016f vyplacen\u00e9 prost\u0159edky v pln\u00e9 v\u00fd\u0161i. Prioritn\u00ed uspokojen\u00ed pohled\u00e1vek Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu v insolven\u010dn\u00edch \u0159\u00edzen\u00edch, kter\u00e9 je dan\u00e9 evropskou sm\u011brnic\u00ed o ozdravn\u00fdch postupech a \u0159e\u0161en\u00ed krize na finan\u010dn\u00edm trhu, napom\u00e1h\u00e1 udr\u017een\u00ed vysok\u00e9 d\u016fv\u011bry v bezpe\u010d\u00ed vklad\u016f v \u010desk\u00fdch finan\u010dn\u00edch instituc\u00edch. Stoprocentn\u00ed uspokojen\u00ed pohled\u00e1vek \u010dek\u00e1 tak\u00e9 na v\u011b\u0159itele z druh\u00e9 v\u011b\u0159itelsk\u00e9 skupiny a v\u00edce ne\u017e 90 % ze sv\u00fdch pohled\u00e1vek z\u00edskaj\u00ed i v\u011b\u0159itel\u00e9 z t\u0159et\u00ed v\u011b\u0159itelsk\u00e9 skupiny. Jde o mimo\u0159\u00e1dn\u00fd \u00fasp\u011bch, nebo\u0165 v minulosti pr\u016fm\u011brn\u011b z\u00edsk\u00e1vali v\u011b\u0159itel\u00e9 v insolven\u010dn\u00edch \u0159\u00edzen\u00edch finan\u010dn\u00edch instituc\u00ed 38 % hodnoty sv\u00fdch pohled\u00e1vek. K v\u00fdjime\u010dn\u011b vysok\u00e9 n\u00e1vratnosti pohled\u00e1vek pro v\u0161echny v\u011b\u0159itelsk\u00e9 skupiny p\u0159isp\u011bl nemalou m\u011brou Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu jako p\u0159edseda v\u011b\u0159itelsk\u00e9ho v\u00fdboru.<\/p>\n

D\u016fv\u011bra ve stabilitu je kl\u00ed\u010dov\u00e1 pro ekonomiku<\/strong><\/p>\n

Pr\u00e1v\u011b udr\u017een\u00ed vysok\u00e9 d\u016fv\u011bry ve stabilitu a odolnost bankovn\u00edho syst\u00e9mu je kl\u00ed\u010dov\u00e9 pro zachov\u00e1n\u00ed zdrav\u00ed \u010desk\u00e9 ekonomiky. Vn\u00edm\u00e1m proto jako dobrou zpr\u00e1vu, \u017ee z kvantitativn\u00edho v\u00fdzkumu, kter\u00fd si Garan\u010dn\u00ed syst\u00e9m nechal v roce 2022 zpracovat jen n\u011bkolik m\u011bs\u00edc\u016f po p\u00e1du Sberbank CZ, a.s., vy\u0161lo, \u017ee d\u016fv\u011bra b\u011b\u017en\u00e9 populace ve stabilitu bankovn\u00edho syst\u00e9mu je rekordn\u011b vysok\u00e1 (d\u016fv\u011b\u0159uje mu 73 % dot\u00e1zan\u00fdch). P\u0159i\u010d\u00edt\u00e1m to i v\u00fdborn\u011b zvl\u00e1dnut\u00e9 v\u00fdplat\u011b n\u00e1hrad pohled\u00e1vek z vklad\u016f klient\u016fm Sberbank CZ, a.s. St\u00e1le je p\u0159ed n\u00e1mi spousta pr\u00e1ce \u2013 tuto d\u016fv\u011bru mus\u00edme v dne\u0161n\u00ed turbulentn\u00ed dob\u011b pln\u00e9 dezinformac\u00ed a ekonomick\u00fdch v\u00fdzev udr\u017eet.<\/p>\n

I v roce 2022 pokra\u010doval Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu v dlouhodob\u00e9 eduka\u010dn\u00ed strategii v\u011bnuj\u00edc\u00ed se fungov\u00e1n\u00ed zaji\u0161\u0165ovac\u00edch mechanism\u016f. D\u011bn\u00ed tohoto roku uk\u00e1zalo, jak d\u016fle\u017eit\u00e1 tato slo\u017eka \u010dinnosti Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu je, a to zejm\u00e9na v r\u00e1mci p\u0159edch\u00e1zen\u00ed rizika eskalace a p\u0159enosu ned\u016fv\u011bry mezi finan\u010dn\u00edmi institucemi v p\u0159\u00edpad\u011b turbulenc\u00ed na finan\u010dn\u00edm trhu. Komunikace Garan\u010dn\u00edho syst\u00e9mu byla p\u0159\u00edtomna v klasick\u00fdch m\u00e9di\u00edch i na soci\u00e1ln\u00edch s\u00edt\u00edch formou edukativn\u00edho obsahu nebo p\u0159\u00edmo rozhovor\u016f s v\u00fdkonnou \u0159editelkou Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu na aktu\u00e1ln\u00ed t\u00e9mata.<\/p>\n

Aby bylo zaji\u0161t\u011bno, \u017ee Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu z\u016fstane akceschopn\u00fd a p\u0159ipraven\u00fd zvl\u00e1dnout svou roli siln\u00e9ho pil\u00ed\u0159e stability finan\u010dn\u00edho trhu, \u010dek\u00e1 instituci v leto\u0161n\u00edm roce z\u00e1t\u011b\u017eov\u00e9 testov\u00e1n\u00ed finan\u010dn\u00ed p\u0159ipravenosti dle obecn\u00fdch pokyn\u016f Evropsk\u00e9ho org\u00e1nu pro bankovnictv\u00ed. Do tohoto testu bude zapojena i \u010cesk\u00e1 n\u00e1rodn\u00ed banka, a to v r\u00e1mci testu vyps\u00e1n\u00ed mimo\u0159\u00e1dn\u00fdch p\u0159\u00edsp\u011bvk\u016f. Sou\u010d\u00e1st\u00ed testu finan\u010dn\u00ed p\u0159ipravenosti bude poprv\u00e9 tak\u00e9 vyd\u00e1n\u00ed testovac\u00ed emise dluhopis\u016f Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu a testovac\u00ed aukce. Vedle toho Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu otestuje p\u0159ed\u00e1v\u00e1n\u00ed dat a ostatn\u00ed procesn\u00ed n\u00e1le\u017eitosti souvisej\u00edc\u00ed s p\u0159eshrani\u010dn\u00ed v\u00fdplatou n\u00e1hrad vklad\u016f a provede test pou\u017eit\u00ed prost\u0159edk\u016f Fondu pro \u0159e\u0161en\u00ed krize.<\/p>\n

S jistotou mohu konstatovat, \u017ee Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu potvrdil, \u017ee je d\u016fle\u017eit\u00fdm \u010dl\u00e1nkem z\u00e1chrann\u00e9 finan\u010dn\u00ed s\u00edt\u011b a je prokazateln\u011b p\u0159ipraven dost\u00e1t sv\u00fdm povinnostem a z\u00e1vazk\u016fm i v n\u00e1ro\u010dn\u00fdch podm\u00ednk\u00e1ch.<\/p>\n","protected":false},"excerpt":{"rendered":"

Z\u00e1konem z\u0159\u00edzen\u00fd Garan\u010dn\u00ed syst\u00e9m, kter\u00fd je pil\u00ed\u0159em stability \u010desk\u00e9ho finan\u010dn\u00edho trhu,\u00a0uve\u0159ejnil V\u00fdro\u010dn\u00ed zpr\u00e1vu za rok 2022. Jak Garan\u010dn\u00ed syst\u00e9m hospoda\u0159il? A s\u00a0jak\u00fdmi v\u00fdzvami se pot\u00fdkal? […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":1763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1762","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1762"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1762\/revisions"}],"predecessor-version":[{"id":1764,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1762\/revisions\/1764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1763"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}