{"id":620,"date":"2023-01-06T09:55:06","date_gmt":"2023-01-06T09:55:06","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=620"},"modified":"2023-01-06T09:55:06","modified_gmt":"2023-01-06T09:55:06","slug":"cba-komentar-k-vyvoji-vkladu-a-uveru-a-za-listopad-2022","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=620","title":{"rendered":"\u010cBA: Koment\u00e1\u0159 k v\u00fdvoji vklad\u016f a \u00fav\u011br\u016f a za listopad 2022"},"content":{"rendered":"

Nev\u00fdkonn\u00fdch \u00fav\u011br\u016f u firem nepatrn\u011b p\u0159ibylo.<\/strong>\u00a0<\/strong><\/p>\n

V\u00a0podstat\u011b od \u00fanorov\u00e9ho vp\u00e1du rusk\u00fdch vojsk na Ukrajinu s\u00a0nap\u011bt\u00edm sledujeme, jak se hospod\u00e1\u0159sk\u00e9 d\u016fsledky konfliktu projev\u00ed v\u00a0\u201etuzemsk\u00e9\u201c bankovn\u00ed statistice pravideln\u011b zve\u0159ej\u0148ovan\u00e9 \u010ceskou n\u00e1rodn\u00ed bankou (\u010cNB). Je\u0161t\u011b v\u00a0\u0159\u00edjnu to vypadalo, \u017ee trh odol\u00e1v\u00e1 v\u0161em p\u0159edpov\u011bd\u00edm. V\u00a0listopadu ale objem nev\u00fdkonn\u00fdch \u00fav\u011br\u016f nepatrn\u011b stoupl, z \u0159\u00edjnov\u00fdch 41 mld. K\u010d na 43,5 miliardy, co\u017e v\u00a0pom\u011bru k\u00a0celkov\u00e9mu objemu podnikov\u00fdch \u00fav\u011br\u016f znamen\u00e1 vzestup z 3,2 na st\u00e1le velmi n\u00edzk\u00fdch 3,39 %.<\/strong>\u00a0<\/strong><\/p>\n

Podniky se usilovn\u011b sna\u017e\u00ed spl\u00e1cet. Pokud \u010derpaj\u00ed \u00fav\u011bry, tak v\u00a0eurech, kv\u016fli ni\u017e\u0161\u00edm \u00farok\u016fm. Firmy, kter\u00fdm to jejich tr\u017en\u00ed pozice a tedy i hotovostn\u00ed toky dovol\u00ed, zvy\u0161uj\u00ed vklady v\u00a0bank\u00e1ch. Ty stouply mezim\u011bs\u00ed\u010dn\u011b v\u00edce ne\u017e o 13 miliard na historick\u00fdch 1,452 mld.\u00a0K\u010d, a p\u0159evy\u0161uj\u00ed objem \u00fav\u011br\u016f o 170,7 miliardy korun. To je fenom\u00e9n, kter\u00fd p\u0159i\u0161el s\u00a0covidem a od roku 2020 se st\u00e1v\u00e1 sou\u010d\u00e1st\u00ed \u010desk\u00e9 ekonomiky.<\/p>\n

V\u00fdvoj \u00fav\u011br\u016f a vklad\u016f (v mil. K\u010d)<\/strong><\/p>\n\n\n\n\n\n\n\n
Obdob\u00ed<\/strong><\/td>\nNefinan\u010dn\u00ed podniky<\/strong><\/td>\n<\/tr>\n
vklady<\/strong><\/td>\n\u00fav\u011bry<\/strong><\/td>\nsaldo <\/strong><\/td>\n<\/tr>\n
30.11.2022<\/td>\n1\u00a0452 464,8<\/td>\n1 281 741<\/td>\n170 723,5<\/td>\n<\/tr>\n
31.12.2021<\/td>\n1\u00a0308 877<\/td>\n1\u00a0190 673<\/td>\n118 204<\/td>\n<\/tr>\n
31.12.2020<\/td>\n1 217 934<\/td>\n1 123\u00a0034<\/td>\n94 900<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Zdroj: \u010cNB<\/em><\/p>\n

\u00dav\u011bry dom\u00e1cnostem st\u00e1le rostou i p\u0159es pokles u hypot\u00e9k<\/strong>\u00a0<\/strong><\/p>\n

\u00dav\u011bry dom\u00e1cnostem nad\u00e1le i kdy\u017e m\u00edrn\u011b rostou v\u00a0absolutn\u00edm objemu. P\u0159es velk\u00fd pokles dynamiky u hypot\u00e9k dok\u00e1\u017e\u00ed dom\u00e1cnosti nad\u00e1le jako celek zvy\u0161ovat i svoje vklady, kter\u00e9 dostaly ohromn\u00fd impulz zejm\u00e9na v\u00a0pandemii. Hypot\u00e9ky, kter\u00e9 byly nosn\u00fdm produktem bank v\u00a0posledn\u00edch zhruba dvaceti letech, neza\u017e\u00edvaj\u00ed nejlep\u0161\u00ed \u010dasy, ale jejich kvalita je mimo\u0159\u00e1dn\u00e1. \u010cNB v\u00a0kategorii nev\u00fdkonn\u00fdch jejich absolutn\u00ed objem eviduje ke konci listopadu 2022 t\u011bsn\u011b pod hranic\u00ed 9 miliard korun \u2013 takhle n\u00edzkou hodnotu jsme naposledy zaznamenali na ja\u0159e roku 2009, ov\u0161em tehdy to p\u0159edstavovalo 1,73 %, kde\u017eto v\u00a0listopadu 2022 klesnul na historick\u00e9 minimum 0,57 %, by\u0165 mezim\u011bs\u00ed\u010dn\u00ed zlep\u0161en\u00ed o 0,01 procentn\u00edho bodu ch\u00e1pejme jako daleko za hranic\u00ed mo\u017en\u00e9 statistick\u00e9 chyby.<\/p>\n

Pod\u00edl nespl\u00e1cen\u00fdch \u00fav\u011br\u016f u \u017eivnostn\u00edk\u016f se sn\u00ed\u017eil<\/strong>\u00a0<\/strong><\/p>\n

\u017divnostn\u00edci si zaslou\u017e\u00ed v\u00a0\u010cesku separ\u00e1tn\u00ed sledov\u00e1n\u00ed, jednak kv\u016fli po\u010detnosti, jednak kv\u016fli pozoruhodn\u00e9mu, by\u0165 p\u0159ehl\u00ed\u017een\u00e9mu faktu, \u017ee maj\u00ed na \u00falo\u017ek\u00e1ch v\u00a0bank\u00e1ch v\u00edce ne\u017e trojn\u00e1sobek toho, co dlu\u017e\u00ed a ten absolutn\u00ed rozd\u00edl mezi vklady a \u00fav\u011bry v\u00a0jejich p\u0159\u00edpad\u011b je\u0161t\u011b po\u0159\u00e1d p\u0159edstavuje bez p\u00e1r \u201edrobn\u00fdch\u201c skoro sto miliard korun. Pod\u00edl \u0161patn\u00fdch \u00fav\u011br\u016f se mezim\u011bs\u00ed\u010dn\u011b i meziro\u010dn\u011b sn\u00ed\u017eil, a dosahuje 5,13 %.<\/strong> Kdo by to byl \u0159ekl, \u017ee?\u00a0<\/strong><\/p>\n

V\u00fdvoj \u00fav\u011br\u016f a vklad\u016f (v mil. K\u010d)<\/strong><\/p>\n\n\n\n\n\n\n\n
Obdob\u00ed<\/strong><\/td>\nDom\u00e1cnosti \u2013 \u017eivnosti<\/strong><\/td>\nDom\u00e1cnosti \u2013 obyvatelstvo<\/strong><\/td>\n<\/tr>\n
vklady<\/strong><\/td>\n\u00fav\u011bry<\/strong><\/td>\nSaldo<\/strong><\/td>\nvklady<\/strong><\/td>\n\u00fav\u011bry<\/strong><\/td>\nsaldo<\/strong><\/td>\n<\/tr>\n
30.11.2022<\/td>\n146 223,3<\/td>\n46 853,3<\/td>\n99 370<\/td>\n3\u00a0132 091<\/td>\n2\u00a0042 284<\/td>\n1\u00a0089 807<\/td>\n<\/tr>\n
31.12.2021<\/td>\n171 035<\/td>\n47 641<\/td>\n123 394<\/td>\n3\u00a0020 385<\/td>\n1\u00a0948 112<\/td>\n1\u00a0072 273<\/td>\n<\/tr>\n
31.12.2020<\/td>\n\n\n\n\n
\n\n\n\n
Zdroj: \u010cNB <\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

166 284<\/td>\n

47 008<\/td>\n119 276<\/td>\n2 822 763<\/td>\n1 763\u00a0145<\/td>\n1\u00a0059 618<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Shr\u0148me to. Klasick\u00fd \u201en\u011bmecko-rakousko-\u010desko-slovensk\u00fd model\u201c, op\u00edraj\u00edc\u00ed se o banky a spo\u0159itelny, kter\u00e9 sb\u00edraj\u00ed depozita dom\u00e1cnost\u00ed a transformuj\u00ed jejich \u00faspory do podnikatelsk\u00fdch \u00fav\u011br\u016f, jak b\u00fdvalo zvykem, kam a\u017e pam\u011b\u0165 sah\u00e1, se zm\u011bnil: sektor dom\u00e1cnost\u00ed a firem prost\u0159ednictv\u00edm bankovn\u00ed soustavy p\u016fj\u010duje vl\u00e1d\u011b, kter\u00e1 zas prost\u0159ednictv\u00edm d\u00e1vek a dotac\u00ed zvy\u0161uje transfery jin\u00fdm dom\u00e1cnostem a podnik\u016fm. Pokud se pt\u00e1te, zda je tento kolob\u011bh norm\u00e1ln\u00ed, tak nen\u00ed, by\u0165 je v\u00a0nenorm\u00e1ln\u00edch \u010dasech pochopiteln\u00fd.<\/p>\n

Souhrnn\u00e9 statistiky sice neposkytuj\u00ed plastick\u00fd pohled na finan\u010dn\u00ed pozici jednotliv\u00fdch dom\u00e1cnost\u00ed a firem, nicm\u00e9n\u011b nad\u00e1le plat\u00ed, \u017ee jak firmy, tak dom\u00e1cnosti v\u010detn\u011b \u017eivnost\u00ed maj\u00ed v bank\u00e1ch ulo\u017eeno v\u00edce prost\u0159edk\u016f, ne\u017e kolik jim dlu\u017e\u00ed. A p\u0159edev\u0161\u00edm, kvalita \u00fav\u011brov\u00e9ho portfolia je velmi dobr\u00e1. \u010cesk\u00e1 ekonomika tak vstupuje do recese s mimo\u0159\u00e1dn\u011b zdrav\u00fdm bankovn\u00edm sektorem, a to i podle v\u0161ech mezin\u00e1rodn\u00edch srovn\u00e1n\u00ed. Na prahu nov\u00e9ho roku je to velmi dobr\u00e1 zpr\u00e1va.<\/p>\n

V\u00fdvoj nev\u00fdkonn\u00fdch \u00fav\u011br\u016f<\/strong>\u00a0<\/strong><\/p>\n\n\n\n\n\n\n
\u00a0<\/strong><\/td>\nProsinec 2011<\/strong><\/td>\nProsinec 2020<\/strong><\/td>\nProsinec 2021<\/strong><\/td>\nListopad 2022<\/strong><\/td>\n<\/tr>\n
Dom\u00e1cnosti, spot\u0159ebn\u00ed \u00fav\u011bry<\/strong><\/td>\n11,3 %<\/td>\n5,08 %<\/td>\n4,67 %<\/td>\n3,9 %<\/strong><\/td>\n<\/tr>\n
Dom\u00e1cnosti, hypote\u010dn\u00ed \u00fav\u011bry\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong><\/td>\n3,09 %<\/td>\n0,88 %<\/td>\n0,74 %<\/td>\n0,57 % <\/strong><\/td>\n<\/tr>\n
Podniky\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong><\/td>\n8,2 %<\/td>\n4,15 %<\/td>\n3,84 %<\/td>\n3,39 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
\n\n\n\n
\u00a0\u00a0 (Zdroj: \u010cNB (ARAD))<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Nev\u00fdkonn\u00fdch \u00fav\u011br\u016f u firem nepatrn\u011b p\u0159ibylo.\u00a0<\/p>\n<\/div>","protected":false},"author":2,"featured_media":621,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-620","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\/620","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=620"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/620\/revisions"}],"predecessor-version":[{"id":622,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/620\/revisions\/622"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/621"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}