{"id":233,"date":"2022-11-25T10:21:20","date_gmt":"2022-11-25T10:21:20","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=233"},"modified":"2022-11-25T10:21:20","modified_gmt":"2022-11-25T10:21:20","slug":"gsft-nektere-skupiny-veritelu-se-snazi-zmarit-insolvenci-sberbank","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=233","title":{"rendered":"GSFT: N\u011bkter\u00e9 skupiny v\u011b\u0159itel\u016f se sna\u017e\u00ed zma\u0159it insolvenci Sberbank"},"content":{"rendered":"<p><strong>Insolven\u010dn\u00ed \u0159\u00edzen\u00ed Sberbank CZ m\u016f\u017ee p\u0159in\u00e9st historicky nejvy\u0161\u0161\u00ed uspokojen\u00ed pohled\u00e1vek v\u011b\u0159itel\u016f v rekordn\u00edm \u010dase. K tomu je nutn\u00e9, aby n\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 p\u0159estali bezd\u016fvodn\u011b a nepochopiteln\u011b ma\u0159it dosavadn\u00ed v\u00fdsledky a postup tohoto procesu, a t\u00edm prok\u00e1zali spole\u010dn\u00fd z\u00e1jem na uspokojen\u00ed v\u0161ech v\u011b\u0159itel\u016f v maxim\u00e1ln\u00ed v\u00fd\u0161i v co nejkrat\u0161\u00edm \u010dase.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu (GSFT), jako\u017eto \u010dlen a p\u0159edseda v\u011b\u0159itelsk\u00e9ho v\u00fdboru Sberbank CZ, vzal dne 7. listopadu 2022 na v\u011bdom\u00ed dopis insolven\u010dn\u00ed spr\u00e1vkyn\u011b JUDr. Ji\u0159iny Lu\u017eov\u00e9 zve\u0159ejn\u011bn\u00fd v\u00a0insolven\u010dn\u00edm rejst\u0159\u00edku 9. listopadu 2022 a vyslovil podporu obsahu tohoto dopisu. Insolven\u010dn\u00ed spr\u00e1vkyn\u011b v\u00a0n\u011bm shrnuje postup prodeje \u00fav\u011brov\u00e9ho portfolia v\u00a0r\u00e1mci v\u00fdb\u011brov\u00e9ho \u0159\u00edzen\u00ed, kter\u00e9 vyhr\u00e1la \u010cesk\u00e1 spo\u0159itelna, a.s., p\u0159i\u010dem\u017e zd\u016fraz\u0148uje v\u00fdhodnost jej\u00ed nab\u00eddky pro v\u0161echny v\u011b\u0159itele spo\u010d\u00edvaj\u00edc\u00ed zejm\u00e9na v\u00a0neobvykle vysok\u00e9 cen\u011b, ale i v\u00a0rychlosti, se kterou je mo\u017eno prodej uskute\u010dnit a v\u00fdnos z\u00a0prodeje vyplatit v\u011b\u0159itel\u016fm. Z\u00e1rove\u0148 upozor\u0148uje, \u017ee kroky n\u011bkter\u00fdch v\u011b\u0159itel\u016f by mohly tento prodej zma\u0159it, a to za situace, kdy k\u00a0n\u011bmu neexistuje jedin\u00e1 srovnateln\u011b v\u00fdhodn\u00e1 alternativa. Proto apeluje na v\u0161echny v\u011b\u0159itele, zejm\u00e9na pak na ty, kte\u0159\u00ed ji\u017e insolven\u010dn\u00ed proces blokuj\u00ed a jejich\u017e jedn\u00e1n\u00ed by mohlo prodej v\u00edt\u011bzi v\u00fdb\u011brov\u00e9ho \u0159\u00edzen\u00ed zma\u0159it, aby m\u011bli na pam\u011bti z\u00e1jmy sv\u00e9 i ostatn\u00edch v\u011b\u0159itel\u016f, aby postupovali odpov\u011bdn\u011b a procesu prodeje p\u0159estali br\u00e1nit.<\/p>\n<p>Zm\u00edn\u011bn\u00fd apel insolven\u010dn\u00ed spr\u00e1vkyn\u011b je o\u010dividn\u011b vyvol\u00e1n situac\u00ed, kdy na jedn\u00e9 stran\u011b je dosa\u017eeno pro v\u011b\u0159itele zjevn\u00e9 v\u00fdhodnosti prodeje portfolia a z\u00a0toho vypl\u00fdvaj\u00edc\u00ed vysok\u00e9 v\u00fd\u0161e uspokojen\u00ed jejich pohled\u00e1vek \u2013 <strong>v\u00fd\u0161e uspokojen\u00ed pohled\u00e1vek bude p\u0159i uzav\u0159en\u00ed obchodu historicky unik\u00e1tn\u00ed, <\/strong>a na druh\u00e9 stran\u011b se <strong>n\u011bkter\u00e9 skupiny v\u011b\u0159itel\u016f vytrvale, nepochopiteln\u011b a zcela absurdn\u011b sna\u017e\u00ed cel\u00fd proces insolven\u010dn\u00edho \u0159\u00edzen\u00ed zdiskreditovat a zma\u0159it<\/strong>, krom\u011b jin\u00e9ho napad\u00e1n\u00edm Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu jako\u017eto \u010dlena a \u0159\u00e1dn\u011b zvolen\u00e9ho p\u0159edsedy v\u011b\u0159itelsk\u00e9ho v\u00fdboru. Z\u00a0ji\u017e dostupn\u00fdch text\u016f dopln\u011bn\u00ed odvol\u00e1n\u00ed n\u011bkter\u00fdch v\u011b\u0159itel\u016f v\u00a0ISIR <strong>je z\u0159ejm\u00e9, \u017ee naprosto ignoruj\u00ed v\u00fdvoj a sou\u010dasn\u00fd stav insolven\u010dn\u00edho \u0159\u00edzen\u00ed.<\/strong> Neust\u00e1le opakuj\u00ed svoji nespokojenost s\u00a0volbou t\u0159\u00ed\u010dlenn\u00e9ho v\u011b\u0159itelsk\u00e9ho v\u00fdboru a jeho person\u00e1ln\u00edm obsazen\u00edm a <strong>nezohled\u0148uj\u00ed v\u00fdsledky \u010dinnosti v\u011b\u0159itelsk\u00e9ho v\u00fdboru a rovn\u011b\u017e v\u00fdsledky \u010dinnosti insolven\u010dn\u00ed spr\u00e1vkyn\u011b a jejich spole\u010dnou snahu k\u00a0dosa\u017een\u00ed co nejvy\u0161\u0161\u00ed m\u00edry uspokojen\u00ed v\u0161ech v\u011b\u0159itel\u016f v\u00a0kr\u00e1tk\u00e9m \u010dase<\/strong>, tedy jednozna\u010dn\u00fd postup h\u00e1j\u00edc\u00ed z\u00e1jmy v\u0161ech v\u011b\u0159itel\u016f (prodej podstatn\u00e9 \u010d\u00e1sti majetku Sberbank CZ \u010cesk\u00e9 spo\u0159iteln\u011b, a.s.).<\/p>\n<p>Absurdnost situace je podtr\u017eena t\u00edm, \u017ee <strong>v\u00a0r\u00e1mci prozat\u00edmn\u00edho v\u011b\u0159itelsk\u00e9ho v\u00fdboru to byl pr\u00e1v\u011b Garan\u010dn\u00ed syst\u00e9m spolu s\u00a0\u010ceskou n\u00e1rodn\u00ed bankou a dal\u0161\u00edmi dv\u011bma v\u011b\u0159iteli, navzdory\u00a0opozici ostatn\u00edch v\u011b\u0159itel\u016f, kdo podpo\u0159il tendr na prodej \u00fav\u011brov\u00e9ho portfolia jako celku instituci s\u00a0bankovn\u00ed licenc\u00ed a d\u00e1le \u00fa\u010deln\u011b a efektivn\u011b konal a kon\u00e1 kroky<\/strong>, v\u00a0r\u00e1mci z\u00e1konem sv\u011b\u0159en\u00fdch kompetenc\u00ed, k\u00a0tomu, aby bylo skute\u010dn\u011b toto portfolio prod\u00e1no za nejvy\u0161\u0161\u00ed mo\u017enou cenu v\u00a0co nejkrat\u0161\u00edm \u010dase. Pokud <strong>je tedy navozov\u00e1na n\u011bkter\u00fdmi v\u011b\u0159iteli my\u0161lenka, \u017ee Garan\u010dn\u00edm syst\u00e9m nejedn\u00e1 ve spole\u010dn\u00e9m z\u00e1jmu v\u011b\u0159itel\u016f<\/strong>, respektive \u017ee \u201e<em>dosavadn\u00ed postup p\u0159i ustanovov\u00e1n\u00ed v\u011b\u0159itelsk\u00e9ho v\u00fdboru nen\u00ed spr\u00e1vn\u00fd a souladn\u00fd se spole\u010dn\u00fdm z\u00e1jmem v\u011b\u0159itel\u016f a postupem Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu a insolven\u010dn\u00ed spr\u00e1vkyn\u011b do\u0161lo k tomu, \u017ee cel\u00e9 insolven\u010dn\u00ed \u0159\u00edzen\u00ed ovl\u00e1dl Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu<\/em>\u201c (citace JUDr. Jind\u0159icha Lechovsk\u00e9ho, 11.11.2022 \u2013 Seznam Zpr\u00e1vy) a <strong>je pokra\u010dov\u00e1no z\u00a0t\u011bchto d\u016fvod\u016f v\u00a0\u0159\u00edzen\u00ed o odvol\u00e1n\u00ed proti usnesen\u00ed insolven\u010dn\u00edho soudu ohledn\u011b jmenov\u00e1n\u00ed v\u011b\u0159itelsk\u00e9ho v\u00fdboru a zma\u0159en\u00ed jeho rozhodnut\u00ed, v\u010detn\u011b zablokov\u00e1n\u00ed \u010di \u00fapln\u00e9ho zma\u0159en\u00ed prodeje portfolia <\/strong>v\u00edt\u011bzi v\u00fdb\u011brov\u00e9ho \u0159\u00edzen\u00ed, pak<strong> to pova\u017eujeme nejen za zcela nekompetentn\u00ed a nezodpov\u011bdn\u00e9<\/strong>, ale tak\u00e9 za jedn\u00e1n\u00ed, kter\u00e9 p\u0159\u00edmo a re\u00e1ln\u011b ohro\u017euje maxim\u00e1ln\u00ed v\u00fd\u0161i uspokojen\u00ed pohled\u00e1vek v\u0161ech v\u011b\u0159itel\u016f. Tedy za <strong>jedn\u00e1n\u00ed, kter\u00e9 m\u016f\u017ee v\u00e9st k\u00a0tomu, \u017ee prodej nebude realizov\u00e1n, nebo\u0165 v\u00edt\u011bz v\u00fdb\u011brov\u00e9ho \u0159\u00edzen\u00ed odstoup\u00ed od smlouvy.<\/strong> A n\u00e1sledn\u011b, jak upozornila i sama insolven\u010dn\u00ed spr\u00e1vkyn\u011b ve v\u00fd\u0161e zm\u00edn\u011bn\u00e9m dopise v\u011b\u0159itel\u016fm, <strong>bude muset b\u00fdt znovu otev\u0159eno jedn\u00e1n\u00ed o prodeji \u00fav\u011brov\u00e9ho portfolia s\u00a0potenci\u00e1ln\u00edmi investory a prodej se nejen odd\u00e1l\u00ed v\u00a0\u010dase, ale s\u00a0vysokou pravd\u011bpodobnost\u00ed bude realizov\u00e1n za v\u00fdrazn\u011b ni\u017e\u0161\u00ed cenu<\/strong>. V\u00fdsledn\u00e9 uspokojen\u00ed pohled\u00e1vek v\u011b\u0159itel\u016f, zejm\u00e9na t\u011bm ze t\u0159et\u00ed skupiny, tedy obc\u00edm, kraj\u016fm a velk\u00fdm spole\u010dnostem se sn\u00ed\u017e\u00ed, a to v\u00fdrazn\u011b pod nyn\u00ed o\u010dek\u00e1vanou m\u00edru uspokojen\u00ed.<\/p>\n<p>S\u00a0odkazem na v\u00fd\u0161e uveden\u00e9 bychom r\u00e1di zd\u016fraznili, \u017ee p\u0159edev\u0161\u00edm <strong>z\u00e1jmy GSFT nejsou odli\u0161n\u00e9 od z\u00e1jm\u016f jin\u00fdch v\u011b\u0159itel\u016f a pokud n\u011bkdo tvrd\u00ed opak, pak by m\u011bl konkr\u00e9tn\u011b a fakticky dolo\u017eit, v\u00a0\u010dem jsou z\u00e1jmy GSFT \u00fadajn\u011b odli\u0161n\u00e9<\/strong>. GSFT m\u00e1 stejn\u00fd z\u00e1jem na <strong>co nejrychlej\u0161\u00edm zpen\u011b\u017een\u00ed majetkov\u00e9 podstaty za co nejvy\u0161\u0161\u00ed cenu, aby mohlo doj\u00edt k maxim\u00e1ln\u00edmu mo\u017en\u00e9mu uspokojen\u00ed v\u0161ech v\u011b\u0159itel\u016f v co nejkrat\u0161\u00ed dob\u011b.<\/strong> To, \u017ee GSFT h\u00e1j\u00ed z\u00e1jmy v\u0161ech v\u011b\u0159itel\u016f mimo jin\u00e9 vypl\u00fdv\u00e1 z jeho \u00falohy, kterou je podpora finan\u010dn\u00ed stability v \u010cesk\u00e9 republice. Jeho \u010dinnost a postaven\u00ed je regulov\u00e1no p\u0159\u00edslu\u0161n\u00fdmi z\u00e1kony, kter\u00e9 jsou odvozeny od evropsk\u00e9 legislativy. \u010cinnost GSFT je tedy striktn\u011b omezena a vymezena z\u00e1konem a je nap\u0159\u00edklad zcela vylou\u010deno, \u017ee by GSFT obchodoval na vlastn\u00ed \u00fa\u010det s\u00a0pohled\u00e1vkami, co\u017e naopak m\u016f\u017ee b\u00fdt snadno p\u0159\u00edpad jin\u00fdch, z\u00e1konem takto neregulovan\u00fdch v\u011b\u0159itel\u016f. M\u016f\u017eeme se tedy jen pt\u00e1t a spekulovat <strong>jak\u00e9 jin\u00e9 z\u00e1jmy maj\u00ed tito v\u011b\u0159itel\u00e9 nebo jejich z\u00e1stupci, kte\u0159\u00ed v\u00fd\u0161e popsan\u00fd odpov\u011bdn\u00fd, pro v\u011b\u0159itele v\u00fdhodn\u00fd a pln\u011b leg\u00e1ln\u00ed, postup napadaj\u00ed a ma\u0159\u00ed<\/strong>.<\/p>\n<p>Z\u00a0\u017e\u00e1dn\u00e9ho vyj\u00e1d\u0159en\u00ed v\u011b\u0159itel\u016f pop\u00edraj\u00edc\u00edch volbu v\u011b\u0159itelsk\u00e9ho v\u00fdboru, nevypl\u00fdv\u00e1 jedin\u00fd relevantn\u00ed pr\u00e1vn\u00ed argument, na z\u00e1klad\u011b, kter\u00e9ho by bylo mo\u017en\u00e9 dovodit, \u017ee by p\u0159i volb\u011b v\u011b\u0159itelsk\u00e9ho v\u00fdboru byl p\u0159\u00edmo poru\u0161en insolven\u010dn\u00ed z\u00e1kon. Z\u00e1kon p\u0159ipou\u0161t\u00ed volbu t\u0159\u00ed\u010dlenn\u00e9ho v\u011b\u0159itelsk\u00e9ho v\u00fdboru, stejn\u011b tak jako hlasov\u00e1n\u00ed p\u0159i volb\u011b jeho \u010dlen\u016f na sch\u016fzi v\u011b\u0159itel\u016f podle v\u00fd\u0161e pohled\u00e1vek. Argumenty v\u00a0m\u00e9di\u00edch, prezentovan\u00e9 nap\u0159. Mgr. Lechovsk\u00fdm z\u00a0advok\u00e1tn\u00ed kancel\u00e1\u0159e, kter\u00e1 zastupuje celou \u0159adu obc\u00ed, jsou ryze \u00fa\u010delov\u00e9, nebo\u0165 vyjad\u0159uje nesoulad s\u00a0t\u00edm, \u017ee se municipality nemohou pod\u00edlet na \u201espolurozhodov\u00e1n\u00ed\u201c o prodeji majetku. Obdobn\u00e1 tvrzen\u00ed uv\u00e1d\u011bl i Kraj Vyso\u010dina, kter\u00fd se vzdal funkce v\u00a0prozat\u00edmn\u00edm v\u011b\u0159itelsk\u00e9m v\u00fdboru s\u00a0t\u00edm, \u017ee nebude sou\u010d\u00e1st\u00ed tohoto org\u00e1nu, pokud nebude moci ovliv\u0148ovat proces insolvence.<\/p>\n<p>Na tomto m\u00edst\u011b je nutn\u00e9 zd\u016fraznit, \u017ee <strong>v\u011b\u0159itelsk\u00fd v\u00fdbor p\u0159\u00edmo neovliv\u0148uje insolven\u010dn\u00ed \u0159\u00edzen\u00ed, prim\u00e1rn\u011b nerozhoduje o prodeji majetku a insolven\u010dn\u00ed proces ne\u0159\u00edd\u00ed. Pln\u00ed pouze takov\u00e9 \u010dinnosti, kter\u00e9 mu ukl\u00e1d\u00e1 z\u00e1kon <\/strong>(\u00a7 58\/2 insolven\u010dn\u00edho z\u00e1kona \u2013 v\u00fd\u010det \u010dinnost\u00ed VV, ani v\u00a0jednom z\u00a0p\u00edsmen dan\u00e9ho odstavce nelze naj\u00edt slovo \u201erozhoduje\u201c, vyjma situace rozhodnut\u00ed o ov\u011b\u0159en\u00ed \u0159\u00e1dn\u00e9 \u00fa\u010detn\u00ed z\u00e1v\u011brky, \u010di mimo\u0159\u00e1dn\u00e9 \u00fa\u010detn\u00ed z\u00e1v\u011brky auditorem).<\/p>\n<p>Zvolen\u00fd v\u011b\u0159itelsk\u00fd v\u00fdbor je t\u0159\u00ed\u010dlenn\u00fd a ka\u017ed\u00fd z\u00a0jeho \u010dlen\u016f disponuje pouze jedn\u00edm hlasem, z\u00a0\u010deho\u017e vypl\u00fdv\u00e1, \u017ee i v\u00a0tomto konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b m\u016f\u017ee b\u00fdt GSFT p\u0159ehlasov\u00e1n ostatn\u00edmi \u010dleny v\u011b\u0159itelsk\u00e9ho v\u00fdboru bez ohledu na v\u00fd\u0161i jeho pohled\u00e1vky.<\/p>\n<p><strong>Aby byl v\u011b\u0159itelsk\u00fd v\u00fdbor ve sv\u00e9m rozhodov\u00e1n\u00ed akceschopn\u00fd, mus\u00ed b\u00fdt slo\u017een z odborn\u011b zp\u016fsobil\u00fdch osob a mus\u00ed b\u00fdt schopen p\u0159ijmout za sv\u00e9 rozhodov\u00e1n\u00ed odpov\u011bdnost.<\/strong> Ve v\u011b\u0159itelsk\u00e9m v\u00fdboru, tak jak byl navr\u017een a schv\u00e1len sch\u016fz\u00ed v\u011b\u0159itel\u016f, byly <strong>zastoupeny v\u0161echny kategorie v\u011b\u0159itel\u016f dle jejich postupn\u00e9ho uspokojov\u00e1n\u00ed <\/strong>podle \u00a7 374 insolven\u010dn\u00edho z\u00e1kona, tj. (1) GSFT, (2) fyzick\u00e9 osoby, resp. mal\u00ed a st\u0159edn\u00ed podnikatel\u00e9 a (3) ostatn\u00ed v\u011b\u0159itel\u00e9. <strong>Ka\u017ed\u00e1 kategorie v\u011b\u0159itel\u016f je zastoupena jedn\u00edm z\u00e1stupcem, v\u017edy\u0165 i GSFT je ve sv\u00e9 kategorii pouze jeden.<\/strong> V p\u0159\u00edpad\u011b dosavadn\u00edch velk\u00fdch bankovn\u00edch konkurz\u016f, nap\u0159\u00edklad Union banky \u010di ERB banky, byl v\u011b\u0159itelsk\u00fd v\u00fdbor takt\u00e9\u017e t\u0159\u00ed\u010dlenn\u00fd. Nav\u00edc je t\u0159eba zd\u016fraznit, \u017ee jmenov\u00e1n\u00ed \u010dlen\u016f v\u011b\u0159itelsk\u00e9ho v\u00fdboru a jejich po\u010det schv\u00e1lila nejen sch\u016fze v\u011b\u0159itel\u016f, ale i insolven\u010dn\u00ed soud, kter\u00fd dohl\u00ed\u017e\u00ed nad z\u00e1konnost\u00ed procesu cel\u00e9ho insolven\u010dn\u00edho \u0159\u00edzen\u00ed.<\/p>\n<p>V\u00a0neposledn\u00ed \u0159ad\u011b je tak\u00e9 t\u0159eba zd\u016fraznit, \u017ee <strong>ka\u017ed\u00fd \u010dlen v\u011b\u0159itelsk\u00e9ho v\u00fdboru je podle insolven\u010dn\u00edho z\u00e1kona povinen p\u0159i v\u00fdkonu sv\u00e9 funkce postupovat s odbornou p\u00e9\u010d\u00ed a h\u00e1jit z\u00e1jmy v\u0161ech v\u011b\u0159itel\u016f.<\/strong> <strong>GSFT je i s ohledem na sv\u00e9 dosavadn\u00ed zku\u0161enosti s insolvenc\u00edch bankovn\u00edch instituc\u00ed p\u0159ipraven tuto odpov\u011bdnost n\u00e9st a povinnost bezezbytku plnit.<\/strong> Mo\u017en\u00e1 na rozd\u00edl od n\u011bkter\u00fdch jin\u00fdch v\u011b\u0159itel\u016f, kte\u0159\u00ed si pr\u00e1vn\u00ed a odpov\u011bdnostn\u00ed souvislosti tak\u00e9 uv\u011bdomili a do v\u011b\u0159itelsk\u00e9ho v\u00fdboru i p\u0159es sv\u00e9 pom\u011brn\u011b razantn\u00ed medi\u00e1ln\u00ed vystupov\u00e1n\u00ed nakonec neaspirovali.<\/p>\n<p>S\u00a0ohledem na v\u00fd\u0161e uveden\u00e9 se p\u0159ipojujeme k\u00a0v\u00fdzv\u011b insolven\u010dn\u00ed spr\u00e1vkyn\u011b a v z\u00e1jmu zd\u00e1rn\u00e9ho dokon\u010den\u00ed insolven\u010dn\u00edho \u0159\u00edzen\u00ed \u017e\u00e1d\u00e1me v\u011b\u0159itele Sberbank CZ, aby se zdr\u017eeli pod\u00e1v\u00e1n\u00ed n\u00e1vrh\u016f, kter\u00e9 by mohly ohrozit dokon\u010den\u00ed prodeje \u00fav\u011brov\u00e9ho portfolia, zejm\u00e9na aby vzali zp\u011bt odvol\u00e1n\u00ed podan\u00e1 na sch\u016fzi v\u011b\u0159itel\u016f a nenapadali sjednan\u00fd prodej \u00fav\u011brov\u00e9ho portfolia \u017ealobami. Tuto v\u00fdzvu podpo\u0159il na sv\u00e9m jedn\u00e1n\u00ed dne 7.11.2022 jednomysln\u011b i cel\u00fd v\u011b\u0159itelsk\u00fd v\u00fdbor Sberbank CZ.<\/p>\n<p><strong>Ren\u00e1ta Kadlecov\u00e1 \u2013 v\u00fdkonn\u00e1 \u0159editelka GSFT<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Insolven\u010dn\u00ed \u0159\u00edzen\u00ed Sberbank CZ m\u016f\u017ee p\u0159in\u00e9st historicky nejvy\u0161\u0161\u00ed uspokojen\u00ed pohled\u00e1vek v\u011b\u0159itel\u016f v rekordn\u00edm \u010dase. K tomu je nutn\u00e9, aby n\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 p\u0159estali bezd\u016fvodn\u011b a nepochopiteln\u011b <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=233\" title=\"GSFT: N\u011bkter\u00e9 skupiny v\u011b\u0159itel\u016f se sna\u017e\u00ed zma\u0159it insolvenci Sberbank\">[&#8230;]<\/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-233","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\/233","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=233"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/233\/revisions"}],"predecessor-version":[{"id":234,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/233\/revisions\/234"}],"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=233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}