Celkov\u00e1 aktiva bankovn\u00edho sektoru vzrostla b\u011bhem srpna jen m\u00edrn\u011b, a to o 0,3 % na kone\u010dn\u00fdch 10 098 mld. K\u010d.<\/b> <\/p>\n
V meziro\u010dn\u00edm srovn\u00e1n\u00ed tempo r\u016fstu bilan\u010dn\u00ed sumy lehce zpomalilo na 5,9 %. Za srpnov\u00fdm n\u00e1r\u016fstem stoj\u00ed p\u0159edev\u0161\u00edm \u00fav\u011brov\u00e1 aktivita na mezibankovn\u00edm trhu (+28 mld. K\u010d m\/m), av\u0161ak pozitivn\u011b p\u0159isp\u011bly i \u00fav\u011brov\u00e9 obchody s klienty (+18 mld. K\u010d m\/m).<\/p>\n
Celkov\u00fd objem vklad\u016f dos\u00e1hl ke konci srpna hodnoty 6 881 mld. K\u010d, co\u017e je o 0,2 % m\u00e9n\u011b ne\u017e na konci \u010dervence a o 7,7 % v\u00edce p\u0159i meziro\u010dn\u00edm srovn\u00e1n\u00ed<\/b>. V srpnu pokra\u010doval pokles vklad\u016f nefinan\u010dn\u00edch podnik\u016f (-1,2 % m\/m), obyvatelstvo naopak udr\u017eelo stejn\u00e9 tempo r\u016fstu vklad\u016f jako v p\u0159edchoz\u00edm m\u011bs\u00edci (+0,6 m\/m). V meziro\u010dn\u00edm srovn\u00e1n\u00ed se tempo r\u016fstu firemn\u00edch vklad\u016f zpomalilo na 5,6 %, u obyvatelstva dosahuje aktu\u00e1ln\u011b + 7,0 %. Tomu odpov\u00edd\u00e1 i v\u00fdvoj tzv. nad-vklad\u016f, jejich\u017e objem se po vrcholu v kv\u011btnu postupn\u011b sni\u017eoval na aktu\u00e1ln\u00edch 419 mld. K\u010d<\/b>. Hlavn\u00ed roli hraj\u00ed pr\u00e1v\u011b brzd\u00edc\u00ed vklady firem, jejich\u017e finan\u010dn\u00ed nadbytek poklesl z kv\u011btnov\u00e9ho maxima 210 mld. K\u010d na srpnov\u00fdch 139 mld. K\u010d. Dom\u00e1cnosti naopak pokra\u010duj\u00ed v \u00fasporn\u00fdch opat\u0159en\u00edch a jejich nad-vklady dos\u00e1hly v srpnu nov\u00e9ho rekordu 280 mld. K\u010d.<\/p>\n
Celkov\u00fd objem \u00fav\u011br\u016f vzrostl v pr\u016fb\u011bhu srpna o 0,4 % na kone\u010dn\u00fdch 4 259 mld. K\u010d<\/b>. V meziro\u010dn\u00edm srovn\u00e1n\u00ed dosahuje tempo r\u016fstu \u00fav\u011br\u016f 4,8 %. Tempo r\u016fstu firemn\u00edch \u00fav\u011br\u016f zpomalilo v srpnu na 0,7 % m\/m<\/b>, co\u017e ji\u017e napov\u00eddal ni\u017e\u0161\u00ed objem nov\u011b poskytnut\u00fdch \u00fav\u011br\u016f v p\u0159edchoz\u00edm m\u011bs\u00edci. Po mimo\u0159\u00e1dn\u011b \u00fasp\u011b\u0161n\u00e9m \u010dervnu, kdy firmy uzav\u0159ely nov\u00e9 \u00fav\u011brov\u00e9 smlouvy v hodnot\u011b 64 mld. K\u010d, se objem nov\u00fdch \u00fav\u011br\u016f v \u010dervenci sn\u00ed\u017eil na necel\u00fdch 40 mld. K\u010d. Tento \u00fatlum nov\u00e9 produkce firemn\u00edch \u00fav\u011br\u016f pokra\u010doval i v srpnu, kdy bylo nasmlouv\u00e1no pouze lehce nad 33 mld. K\u010d.<\/p>\n
Celkov\u00e1 leto\u0161n\u00ed produkce nov\u00fdch firemn\u00edch \u00fav\u011br\u016f je v meziro\u010dn\u00edm srovn\u00e1n\u00ed o 35 % ni\u017e\u0161\u00ed, p\u0159i\u010dem\u017e korunov\u00e9 \u00fav\u011bry z\u016fst\u00e1vaj\u00ed o v\u00edce ne\u017e 41 % ni\u017e\u0161\u00ed ne\u017e vloni, eurov\u00e9 \u00fav\u011bry oproti lo\u0148sku ztr\u00e1cej\u00ed 27 %. <\/b>V nov\u00e9 produkci tvo\u0159\u00ed eurov\u00e9 \u00fav\u011bry v\u00edce ne\u017e polovinu v\u0161ech nov\u00fdch firemn\u00edch \u00fav\u011br\u016f, v celkov\u00e9m objemu pak jejich pod\u00edl vzrostl na 48,5 %. \u00dav\u011bry obyvatelstvu nevykazuj\u00ed v\u00fdrazn\u011bj\u0161\u00ed o\u017eiven\u00ed. Jejich celkov\u00fd objem vzrostl v srpnu o 0,4 % a v meziro\u010dn\u00edm srovn\u00e1n\u00ed udr\u017eel tempo r\u016fstu p\u0159edchoz\u00edho m\u011bs\u00edce + 5,1 %. Na vin\u011b z\u016fst\u00e1vaj\u00ed hypote\u010dn\u00ed \u00fav\u011bry, jejich\u017e meziro\u010dn\u00ed tempo r\u016fstu aktu\u00e1ln\u011b dosahuje jen 4,4 %.<\/p>\n
Tak\u00e9 nov\u00e1 produkce hypot\u00e9k je nad\u00e1le hluboko pod p\u0159edkovidovou \u00farovn\u00ed. Leto\u0161n\u00ed nov\u011b poskytnut\u00e9 hypot\u00e9ky jsou ve srovn\u00e1n\u00ed s rokem 2019 ni\u017e\u0161\u00ed o v\u00edce ne\u017e 36 %.<\/b> Naopak, jak ji\u017e bylo n\u011bkolikr\u00e1t zm\u00edn\u011bno, spot\u0159ebitelsk\u00e9 \u00fav\u011bry za\u017e\u00edvaj\u00ed sv\u016fj boom, kdy\u017e jejich leto\u0161n\u00ed nov\u00e1 produkce p\u0159evy\u0161uje tu lo\u0148skou ji\u017e o 5 %. P\u0159esto jejich pod\u00edl na celkov\u00e9m objemu \u00fav\u011br\u016f obyvatelstvu z\u016fst\u00e1v\u00e1 stabiln\u00ed okolo 14 %.<\/p>\n
Autor: Lenka Kalivodov\u00e1, analyti\u010dka<\/p>\n","protected":false},"excerpt":{"rendered":"
Celkov\u00e1 aktiva bankovn\u00edho sektoru vzrostla b\u011bhem srpna jen m\u00edrn\u011b, a to o 0,3 % na kone\u010dn\u00fdch 10 098 mld. K\u010d.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":2029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,30],"tags":[],"class_list":["post-2026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky","category-komentar"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2026","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=2026"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2026\/revisions"}],"predecessor-version":[{"id":2030,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2026\/revisions\/2030"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/2029"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}