{"id":28147,"date":"2024-06-01T08:11:50","date_gmt":"2024-06-01T08:11:50","guid":{"rendered":"https:\/\/www.theconservative.online\/domaci-uvery-bank-soukromemu-sektoru-v-pobaltskych-zemich-nizsi-nez-prumer-eu"},"modified":"2024-06-01T08:17:09","modified_gmt":"2024-06-01T08:17:09","slug":"domaci-uvery-bank-soukromemu-sektoru-v-pobaltskych-zemich-nizsi-nez-prumer-eu","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/cs\/domaci-uvery-bank-soukromemu-sektoru-v-pobaltskych-zemich-nizsi-nez-prumer-eu","title":{"rendered":"Dom\u00e1c\u00ed \u00fav\u011bry bank soukrom\u00e9mu sektoru v pobaltsk\u00fdch zem\u00edch ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011br EU"},"content":{"rendered":"<p>V uplynul\u00e9m desetilet\u00ed \u010delily \u010dlensk\u00e9 st\u00e1ty EU \u0159ad\u011b v\u00fdznamn\u00fdch probl\u00e9m\u016f, po\u010d\u00ednaje celosv\u011btovou finan\u010dn\u00ed kriz\u00ed v roce 2008, kter\u00e1 m\u011bla na hospod\u00e1\u0159stv\u00ed EU z\u00e1sadn\u00ed dopad. Vz\u00e1jemn\u00e9 propojen\u00ed ekonomiky a finan\u010dn\u00edho sektoru usnadnilo \u0161\u00ed\u0159en\u00ed finan\u010dn\u00ed krize ze Spojen\u00fdch st\u00e1t\u016f do Evropy, \u010d\u00edm\u017e vznikl dominov\u00fd efekt. EU se nejprve pot\u00fdkala s velkou reces\u00ed v letech 2008-2009, po n\u00ed\u017e n\u00e1sledovala krize st\u00e1tn\u00edho dluhu v n\u011bkolika \u010dlensk\u00fdch st\u00e1tech, z nich\u017e nejzn\u00e1m\u011bj\u0161\u00edm p\u0159\u00edpadem bylo \u0158ecko.<span class=\"Apple-converted-space\"> <\/span><\/p>\n<p>Tato kombinace kriz\u00ed m\u011bla v\u00fdznamn\u00e9 d\u016fsledky pro hospod\u00e1\u0159sk\u00fd r\u016fst, investice, trh pr\u00e1ce a fisk\u00e1ln\u00ed opat\u0159en\u00ed p\u0159ijat\u00e1 vl\u00e1dami v mnoha zem\u00edch EU. V reakci na krizi zavedla EU kr\u00e1tkodob\u00e1 opat\u0159en\u00ed, v\u010detn\u011b finan\u010dn\u00ed pomoci na z\u00e1chranu bank p\u0159ed bankrotem a reforem k odstran\u011bn\u00ed slab\u00fdch m\u00edst. V dlouhodob\u011bj\u0161\u00edm horizontu bylo vyvinuto \u00fasil\u00ed o zv\u00fd\u0161en\u00ed odolnosti, nap\u0159\u00edklad pos\u00edlen\u00edm stability finan\u010dn\u00edho sektoru, pos\u00edlen\u00edm spr\u00e1vy ekonomick\u00fdch z\u00e1le\u017eitost\u00ed a proveden\u00edm struktur\u00e1ln\u00edch reforem. Tak\u00e9 pandemie COVID-19, kter\u00e1 v\u00fdznamn\u011b zas\u00e1hla evropsk\u00fd bankovn\u00ed syst\u00e9m, p\u0159inesla v\u00fdzvy i p\u0159\u00edle\u017eitosti. Evropsk\u00e9 banky se pot\u00fdkaj\u00ed s poklesem zisk\u016f v d\u016fsledku sn\u00ed\u017een\u00e9 popt\u00e1vky a vl\u00e1dn\u00edch z\u00e1sah\u016f na kapit\u00e1lov\u00e9m trhu. Sou\u010dasn\u011b lze \u0159\u00edci, \u017ee do\u0161lo i k pozitivn\u00edmu jevu, a to k urychlen\u00ed procesu digitalizace v odv\u011btv\u00ed evropsk\u00fdch finan\u010dn\u00edch instituc\u00ed. Posledn\u00ed desetilet\u00ed p\u0159ineslo bankovn\u00edmu sektoru tak\u00e9 rostouc\u00ed geopolitick\u00e1 rizika a zranitelnost. Je dob\u0159e zn\u00e1mo, \u017ee bankovn\u00ed sektor mus\u00ed \u0159e\u0161it probl\u00e9my zahrnuj\u00edc\u00ed kybernetick\u00e9 \u00fatoky na finan\u010dn\u00ed instituce, \u0161patn\u00e9 \u00fav\u011bry souvisej\u00edc\u00ed s energetikou a dopad kol\u00eds\u00e1n\u00ed cen energi\u00ed na kvalitu \u00fav\u011br\u016f, struktur\u00e1ln\u00ed zm\u011bny v ekonomice euroz\u00f3ny ovliv\u0148uj\u00edc\u00ed banky a vz\u00e1jemn\u011b propojen\u00e1 rizika mezi energetick\u00fdmi trhy a finan\u010dn\u00edmi institucemi. Navzdory t\u011bmto nejistot\u00e1m st\u00e1le existuj\u00ed jasn\u00e9 oblasti, v nich\u017e bude bankovn\u00ed sektor pokra\u010dovat v procesu transformace: \u0159\u00edzen\u00ed geopolitick\u00fdch rizik, regulatorn\u00ed tlak a dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f, digitalizace a FinTech, zav\u00e1d\u011bn\u00ed udr\u017eiteln\u00e9ho obchodn\u00edho modelu, jako je integrace environment\u00e1ln\u00edch, soci\u00e1ln\u00edch a spr\u00e1vn\u00edch aspekt\u016f do operac\u00ed a rozhodovac\u00edch proces\u016f finan\u010dn\u00edch instituc\u00ed.<\/p><div class='related_content'><span>RELATED<\/span><ul><li><a href='https:\/\/www.theconservative.online\/cs\/evropsky-parlament-schvalil-nejprisnejsi-migracni-zakon-v-historii-eu'>Evropsk\u00fd parlament schv\u00e1lil nejp\u0159\u00edsn\u011bj\u0161\u00ed migra\u010dn\u00ed z\u00e1kon v historii EU<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/eu-pokracuje-v-priprave-rozsahleho-balicku-financni-podpory-pro-ukrajinu'>EU pokra\u010duje v p\u0159\u00edprav\u011b rozs\u00e1hl\u00e9ho bal\u00ed\u010dku finan\u010dn\u00ed podpory pro Ukrajinu<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/brexit-se-vraci-do-britske-politiky-labouriste-se-rozdeluji-kvuli-evrope'>Brexit se vrac\u00ed do britsk\u00e9 politiky, labourist\u00e9 se rozd\u011bluj\u00ed kv\u016fli Evrop\u011b<\/li><\/a><\/ul><\/div>\n<h3 style=\"text-align: center;\"><strong>Evropsk\u00fd bankovn\u00ed syst\u00e9m poznamenan\u00fd p\u0159\u00edsn\u00fdmi p\u0159edpisy EU<\/strong><\/h3>\n<p>Transformace bankovn\u00edho sektoru v Evropsk\u00e9 unii a severn\u00ed Evrop\u011b se vyzna\u010duje \u0159adou v\u00fdznamn\u00fdch ud\u00e1lost\u00ed, kter\u00e9 zm\u011bnily podobu region\u00e1ln\u00edho finan\u010dn\u00edho prost\u0159ed\u00ed. Proto v posledn\u00edch letech ekonomick\u00e1 integrace a p\u0159\u00edsn\u00e9 p\u0159edpisy EU spolu s rychl\u00fdm technologick\u00fdm pokrokem p\u0159im\u011bly banky k p\u0159ijet\u00ed nov\u00fdch obchodn\u00edch model\u016f, zlep\u0161en\u00ed provozn\u00ed efektivity a inovaci nab\u00edzen\u00fdch slu\u017eeb. Jak bylo uvedeno v\u00fd\u0161e, mimo\u0159\u00e1dn\u011b siln\u00fd vliv m\u011bla zejm\u00e9na digitalizace, kter\u00e1 vedla k rozvoji a \u0161irok\u00e9mu roz\u0161\u00ed\u0159en\u00ed internetov\u00e9ho a mobiln\u00edho bankovnictv\u00ed. Tyto zm\u011bny m\u011bly tak\u00e9 v\u00fdznamn\u00e9 d\u016fsledky pro hospod\u00e1\u0159skou sout\u011b\u017e v bankovn\u00edm sektoru v pobaltsk\u00fdch zem\u00edch (Estonsko, Loty\u0161sko a Litva). Bankovn\u00ed trhy v uveden\u00fdch zem\u00edch se staly mnohem diverzifikovan\u011bj\u0161\u00edmi, a tud\u00ed\u017e i mnohem konkuren\u010dn\u011bj\u0161\u00edmi, a to jak pod vlivem mezin\u00e1rodn\u00edch bank, tak i inovativn\u00edch m\u00edstn\u00edch hr\u00e1\u010d\u016f.<span class=\"Apple-converted-space\"> <\/span><\/p>\n<p>Finan\u010dn\u00ed konsolidace a vstup nov\u00fdch hr\u00e1\u010d\u016f nab\u00edzej\u00edc\u00edch finan\u010dn\u00ed slu\u017eby, jako jsou fintech, zv\u00fd\u0161ily konkurenci, co\u017e vedlo tradi\u010dn\u00ed banky k p\u0159ehodnocen\u00ed sv\u00fdch strategi\u00ed. To donutilo tradi\u010dn\u00ed banky p\u0159izp\u016fsobit se nov\u00fdm konkuren\u010dn\u00edm podm\u00ednk\u00e1m na trhu. Tento v\u00fdvoj pomohl zlep\u0161it kvalitu slu\u017eeb pro spot\u0159ebitele a zv\u00fd\u0161it dostupnost finan\u010dn\u00edch produkt\u016f, ale p\u0159inesl tak\u00e9 probl\u00e9my spojen\u00e9 jednak s kybernetickou bezpe\u010dnost\u00ed a jednak se souvisej\u00edc\u00edmi p\u0159edpisy. Ned\u00e1vn\u00e9 ot\u0159esy ve sv\u011btov\u00e9m bankovn\u00edm sektoru umocnily probl\u00e9my m\u011bnov\u00e9 politiky a inflace a d\u00e1le zkomplikovaly hospod\u00e1\u0159skou situaci, kter\u00e1 ji\u017e byla ovlivn\u011bna pandemi\u00ed, konfliktem, kter\u00fd p\u0159ed dv\u011bma lety vyvolalo Rusko na Ukrajin\u011b, a alarmuj\u00edc\u00edm n\u00e1r\u016fstem inflace. Banky hraj\u00ed kl\u00ed\u010dovou roli v hospod\u00e1\u0159sk\u00e9m r\u016fstu t\u00edm, \u017ee poskytuj\u00ed kapit\u00e1l a finan\u010dn\u00ed slu\u017eby, \u010d\u00edm\u017e podporuj\u00ed rozvoj komunit.<\/p>\n<h3 style=\"text-align: center;\"><strong>Jak\u00e1 je role bank v hospod\u00e1\u0159sk\u00e9m rozvoji?<\/strong><\/h3>\n<p>Podle studie, kterou zadala strana ECR, bylo identifikov\u00e1no p\u011bt faktor\u016f, kter\u00e9 banky hraj\u00ed v ekonomice (financov\u00e1n\u00ed infrastrukturn\u00edch projekt\u016f, podpora finan\u010dn\u00edho za\u010dlen\u011bn\u00ed, podpora mezin\u00e1rodn\u00edho obchodu, podpora mal\u00fdch podnik\u016f, podpora \u00faspor a investic).<span class=\"Apple-converted-space\"> <\/span><\/p>\n<p>Je zn\u00e1mo, \u017ee banky podporuj\u00ed hospod\u00e1\u0159sk\u00fd r\u016fst financov\u00e1n\u00edm kl\u00ed\u010dov\u00fdch infrastrukturn\u00edch projekt\u016f, jako jsou silnice, mosty a leti\u0161t\u011b, kter\u00e9 nevyhnuteln\u011b vytv\u00e1\u0159ej\u00ed pracovn\u00ed m\u00edsta a z\u00e1rove\u0148 zvy\u0161uj\u00ed produktivitu. Dal\u0161\u00ed \u00falohou bank je podporovat p\u0159\u00edstup k finan\u010dn\u00edm slu\u017eb\u00e1m pro v\u0161echny p\u0159\u00edjmov\u00e9 skupiny a zem\u011bpisn\u00e9 oblasti, a t\u00edm sni\u017eovat chudobu a podporovat hospod\u00e1\u0159sk\u00fd rozvoj. Poskytov\u00e1n\u00edm akreditiv\u016f a financov\u00e1n\u00ed obchodu banky usnad\u0148uj\u00ed p\u0159eshrani\u010dn\u00ed transakce a podporuj\u00ed glob\u00e1ln\u00ed spolupr\u00e1ci. Banky poskytuj\u00ed kapit\u00e1l a finan\u010dn\u00ed slu\u017eby mal\u00fdm podnik\u016fm, kter\u00e9 jsou hnac\u00ed silou m\u00edstn\u00ed a region\u00e1ln\u00ed ekonomiky, vytv\u00e1\u0159ej\u00ed pracovn\u00ed m\u00edsta a stimuluj\u00ed hospod\u00e1\u0159sk\u00fd r\u016fst. Nab\u00eddkou spo\u0159ic\u00edch \u00fa\u010dt\u016f a investi\u010dn\u00edch produkt\u016f pom\u00e1haj\u00ed banky jednotlivc\u016fm i podnik\u016fm vytv\u00e1\u0159et bohatstv\u00ed a pl\u00e1novat budoucnost, \u010d\u00edm\u017e stimuluj\u00ed hospod\u00e1\u0159sk\u00fd r\u016fst.<\/p>\n<h3 style=\"text-align: center;\"><strong>Jak\u00e9 vnit\u0159n\u00ed a vn\u011bj\u0161\u00ed faktory ovliv\u0148uj\u00ed v\u00fdkonnost bank?<span class=\"Apple-converted-space\"> <\/span><\/strong><\/h3>\n<p>Za vn\u011bj\u0161\u00ed ekonomick\u00e9 faktory lze pova\u017eovat stav rozvoje finan\u010dn\u00edho syst\u00e9mu, m\u011bnovou a fisk\u00e1ln\u00ed politiku, konkurenci (hovo\u0159\u00edme o zdrav\u00e9 konkurenci), politiku dovozu a v\u00fdvozu, obecnou \u00farove\u0148 p\u0159\u00edjm\u016f a p\u0159\u00edstup na pen\u011b\u017en\u00ed trh. Na druh\u00e9 stran\u011b byly rostouc\u00ed ceny energi\u00ed hlavn\u00edm faktorem, kter\u00fd vedl k rekordn\u00ed inflaci v zem\u00edch EU ve v\u00fd\u0161i 9,6 % a v euroz\u00f3n\u011b 8,6 % v \u010dervnu 2022. Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) zv\u00fd\u0161ila svou hlavn\u00ed \u00farokovou sazbu v \u010dervenci 2022 na 0,5 %, co\u017e bylo prvn\u00ed zv\u00fd\u0161en\u00ed od b\u0159ezna 2016, a d\u00e1le ji zvy\u0161ovala t\u00e9m\u011b\u0159 ka\u017ed\u00fd m\u011bs\u00edc a\u017e na 4,5 % v prosinci 2023. Vysok\u00e1 inflace zv\u00fd\u0161ila \u00farokov\u00e9 sazby hypot\u00e9k v Evrop\u011b, co\u017e ovlivnilo \u017eivotn\u00ed n\u00e1klady. Sazby hypot\u00e9k v roce 2022 v\u00fdrazn\u011b vzrostly a v mnoha zem\u00edch se zdvojn\u00e1sobily. V Ma\u010farsku dos\u00e1hla pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba hypot\u00e9k v prvn\u00edm \u010dtvrtlet\u00ed roku 2023 t\u00e9m\u011b\u0159 10 %, zat\u00edmco v roce 2022 \u010dinila p\u0159ibli\u017en\u011b 3,5 %. Velmi pozitivn\u00ed je, \u017ee seversk\u00e9 zem\u011b dok\u00e1zaly d\u00edky finan\u010dn\u00ed stabilit\u011b udr\u017eet \u00farokov\u00e9 sazby hypot\u00e9k na ni\u017e\u0161\u00ed \u00farovni. Digitalizace a konkurence ze strany nebankovn\u00edch subjekt\u016f vedla k v\u011bt\u0161\u00edmu roz\u0161\u00ed\u0159en\u00ed internetov\u00e9ho bankovnictv\u00ed, sn\u00ed\u017een\u00ed pot\u0159eby fyzick\u00fdch pobo\u010dek a struktur\u00e1ln\u00edm zm\u011bn\u00e1m v zam\u011bstnanosti v bankovnictv\u00ed. Nebankovn\u00ed subjekty, kter\u00e9 se zam\u011b\u0159uj\u00ed pouze na digit\u00e1ln\u00ed bankovnictv\u00ed, z\u00edsk\u00e1vaj\u00ed pozici d\u00edky partnerstv\u00ed s tradi\u010dn\u00edmi bankami a roz\u0161i\u0159uj\u00ed sv\u00e9 slu\u017eby.<\/p>\n<h3 style=\"text-align: center;\"><strong>Transformace bankovnictv\u00ed v Evrop\u011b<\/strong><\/h3>\n<p>Proces transformace evropsk\u00e9ho bankovn\u00edho sektoru je ovliv\u0148ov\u00e1n vn\u011bj\u0161\u00edmi faktory, jako jsou geopolitick\u00e1 rizika, regulatorn\u00ed tlaky a digitalizace. Banky se mus\u00ed p\u0159izp\u016fsobit nov\u00fdm technologi\u00edm a zav\u00e9st udr\u017eiteln\u00e9 obchodn\u00ed modely. Co to znamen\u00e1 p\u0159ijmout environment\u00e1ln\u00ed, soci\u00e1ln\u00ed a spr\u00e1vn\u00ed krit\u00e9ria (ESG)?<span class=\"Apple-converted-space\">  <\/span>Banky za\u010dle\u0148uj\u00ed krit\u00e9ria ESG do finan\u010dn\u00edch slu\u017eeb, co\u017e odr\u00e1\u017e\u00ed jejich odpov\u011bdnost za utv\u00e1\u0159en\u00ed udr\u017eiteln\u00e9 budoucnosti, a Evropsk\u00fd org\u00e1n pro bankovnictv\u00ed (EBA) vydal pokyny k \u0159\u00edzen\u00ed rizik ESG.<\/p>\n<h3 style=\"text-align: center;\"><strong>Konkurence v seversk\u00e9m bankovn\u00edm sektoru: Banky, vlastn\u00edci a obchodn\u00ed modely<\/strong><\/h3>\n<p>V pobaltsk\u00fdch zem\u00edch vedl p\u0159echod od pl\u00e1novan\u00e9ho k tr\u017en\u00edmu hospod\u00e1\u0159stv\u00ed k liberalizaci finan\u010dn\u00edch syst\u00e9m\u016f a odstran\u011bn\u00ed omezen\u00ed pro zahrani\u010dn\u00ed investory na bankovn\u00edch trz\u00edch. Od t\u00e9 doby se pod\u00edl bank vlastn\u011bn\u00fdch zahrani\u010dn\u00edmi investory neust\u00e1le zvy\u0161uje a v\u00fdznamn\u011b p\u0159isp\u00edv\u00e1 k utv\u00e1\u0159en\u00ed bankovn\u00edho sektoru v regionu. V prvn\u00edch letech p\u0159ich\u00e1zel zahrani\u010dn\u00ed kapit\u00e1l p\u0159edev\u0161\u00edm ze skandin\u00e1vsk\u00fdch zem\u00ed a N\u011bmecka, pozd\u011bji tak\u00e9 z Ameriky. Nap\u0159\u00edklad v Estonsku byl vstup zahrani\u010dn\u00edch akcion\u00e1\u0159\u016f (kapit\u00e1lu) rychlej\u0161\u00ed ne\u017e v Litv\u011b a Loty\u0161sku. Na konci 90. let tak banky v zahrani\u010dn\u00edm vlastnictv\u00ed p\u0159edstavovaly p\u0159ibli\u017en\u011b 90 % v\u0161ech bankovn\u00edch aktiv. V Litv\u011b do\u0161lo k masivn\u00edmu vstupu zahrani\u010dn\u00edho kapit\u00e1lu pozd\u011bji, ale v roce 2002 ji\u017e zahrani\u010dn\u00ed banky dr\u017eely v\u00edce ne\u017e 90 % bankovn\u00edch aktiv. V Loty\u0161sku byla p\u0159\u00edtomnost zahrani\u010dn\u00edho kapit\u00e1lu ni\u017e\u0161\u00ed a v roce 2022 dos\u00e1hla p\u0159ibli\u017en\u011b 80 %.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5711 aligncenter\" src=\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2022\/12\/money2-1.jpg\" alt=\"\" width=\"728\" height=\"485\"><\/p>\n<p>Podle studie ECR se obchodn\u00ed modely bank v pobaltsk\u00fdch zem\u00edch vyv\u00edjely odli\u0161n\u011b. Nap\u0159\u00edklad Litva se zam\u011b\u0159ila na dom\u00e1c\u00ed klientelu a nab\u00edz\u00ed \u0161irokou \u0161k\u00e1lu univerz\u00e1ln\u00edch bankovn\u00edch slu\u017eeb pro podniky i jednotlivce, a to p\u0159edev\u0161\u00edm prost\u0159ednictv\u00edm \u0161v\u00e9dsk\u00fdch bank. Bankovn\u00ed model v Loty\u0161sku byl ovlivn\u011bn historick\u00fdmi a geopolitick\u00fdmi faktory a bankovn\u00ed sektor se skl\u00e1d\u00e1 ze dvou hlavn\u00edch segment\u016f: slu\u017eeb pro dom\u00e1c\u00ed klienty, kter\u00fdm dominuj\u00ed dce\u0159in\u00e9 spole\u010dnosti velk\u00fdch skandin\u00e1vsk\u00fdch bank, a slu\u017eeb pro mezin\u00e1rodn\u00ed klientelu, kter\u00e9 nab\u00edzej\u00ed p\u0159edev\u0161\u00edm m\u00edstn\u00ed loty\u0161sk\u00e9 banky. Loty\u0161sko se stalo mezin\u00e1rodn\u00edm finan\u010dn\u00edm centrem pro Rusko a Spole\u010denstv\u00ed nez\u00e1visl\u00fdch st\u00e1t\u016f a p\u0159itahuje v\u00fdznamn\u00e9 mezin\u00e1rodn\u00ed vklady. Estonsko se \u0159\u00eddilo zprost\u0159edkovatelsk\u00fdm obchodn\u00edm modelem, podobn\u011b jako litevsk\u00e9 banky, a zam\u011b\u0159ovalo se na obsluhu estonsk\u00fdch nebo s Estonskem sp\u0159\u00edzn\u011bn\u00fdch spole\u010dnost\u00ed a dom\u00e1cnost\u00ed. Vstup strategick\u00fdch zahrani\u010dn\u00edch investor\u016f do nejv\u011bt\u0161\u00edch pobaltsk\u00fdch bank zv\u00fd\u0161il odolnost odv\u011btv\u00ed v\u016f\u010di vn\u011bj\u0161\u00edm \u0161ok\u016fm, ale vyvolal ot\u00e1zku bankovn\u00ed konkurence. V roce 2022 bylo 90 % bankovn\u00edch aktiv v Litv\u011b, 85 % v Estonsku a 76 % v Loty\u0161sku v dr\u017een\u00ed bank, jejich\u017e hlavn\u00edmi akcion\u00e1\u0159i jsou zahrani\u010dn\u00ed subjekty. \u00darove\u0148 koncentrace bankovn\u00edch aktiv byla v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e pr\u016fm\u011br EU, co\u017e sv\u011bd\u010d\u00ed o men\u0161\u00ed konkurenci. V letech 1999-2008 se sektor \u00fav\u011brov\u00fdch instituc\u00ed v EU v\u00fdrazn\u011b roz\u0161\u00ed\u0159il, ale po celosv\u011btov\u00e9 finan\u010dn\u00ed krizi po\u010det bankovn\u00edch pobo\u010dek a zam\u011bstnanc\u016f klesl. V pobaltsk\u00fdch zem\u00edch se po\u010det pobo\u010dek a zam\u011bstnanc\u016f zpo\u010d\u00e1tku zvy\u0161oval, ale po krizi rychle klesal v d\u016fsledku masivn\u00edho propou\u0161t\u011bn\u00ed. Tento pokles odr\u00e1\u017e\u00ed mimo jin\u00e9 p\u0159echod na digitalizaci a vy\u0161\u0161\u00ed efektivitu.<\/p>\n<p>V pobaltsk\u00fdch zem\u00edch jsou dom\u00e1c\u00ed \u00fav\u011bry bank soukrom\u00e9mu sektoru systematicky ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011br EU. Navzdory dostupn\u00fdm zdroj\u016fm udr\u017euj\u00ed konzervativn\u00ed \u00fav\u011brov\u00e9 postupy a omezen\u00e1 konkurence vysok\u00e9 \u00farokov\u00e9 sazby. Pokud jde o ziskovost a efektivnost, pobaltsk\u00e9 zem\u011b m\u011bly lep\u0161\u00ed ukazatele ne\u017e pr\u016fm\u011br EU, s vysokou n\u00e1vratnost\u00ed vlastn\u00edho kapit\u00e1lu (ROE) a \u010distou \u00farokovou mar\u017e\u00ed (NIM). Pom\u011br n\u00e1klad\u016f a v\u00fdnos\u016f (CIR) byl v\u0161ak ni\u017e\u0161\u00ed, co\u017e nazna\u010duje men\u0161\u00ed konkurenci a potenci\u00e1ln\u011b vy\u0161\u0161\u00ed rizika v regionu. Je dob\u0159e zn\u00e1mo, \u017ee mobilita z\u00e1kazn\u00edk\u016f je kl\u00ed\u010dov\u00fdm faktorem hospod\u00e1\u0159sk\u00e9 sout\u011b\u017ee. V zem\u00edch EU byla mobilita z\u00e1kazn\u00edk\u016f v letech 2017-2022 29 % a ve \u0160v\u00e9dsku 38 %, ale v Litv\u011b a Loty\u0161sku byla zm\u011bna poskytovatele hypot\u00e9ky mnohem vz\u00e1cn\u011bj\u0161\u00ed. N\u00edzk\u00e1 mobilita z\u00e1kazn\u00edk\u016f m\u016f\u017ee b\u00fdt ovlivn\u011bna kulturn\u00edmi nebo jin\u00fdmi faktory specifick\u00fdmi pro m\u00edstn\u00ed trh.<\/p>\n<h3 style=\"text-align: center;\"><strong>P\u0159\u00edb\u011bh dvou trh\u016f: \u0160v\u00e9dsk\u00e9 bankovnictv\u00ed v pobaltsk\u00fdch st\u00e1tech a ve \u0160v\u00e9dsku<\/strong><\/h3>\n<p>Ziskovost je hlavn\u00edm ukazatelem \u00fasp\u011b\u0161nosti banky. Panuje n\u00e1zor, \u017ee \u0161v\u00e9dsk\u00e9 banky v Pobalt\u00ed vyd\u011bl\u00e1vaj\u00ed v\u00edce ne\u017e ve \u0160v\u00e9dsku. Tato studie analyzuje finan\u010dn\u00ed ukazatele \u0161v\u00e9dsk\u00fdch bank SEB a Swedbank ve v\u0161ech pobaltsk\u00fdch zem\u00edch (Estonsko, Loty\u0161sko a Litva) a ve \u0160v\u00e9dsku na z\u00e1klad\u011b ro\u010dn\u00edch finan\u010dn\u00edch \u00fadaj\u016f z let 2005-2023. Studie zkoum\u00e1 rentabilitu vlastn\u00edho kapit\u00e1lu (ROE), rentabilitu aktiv (ROA), \u010distou \u00farokovou mar\u017ei (NIM) a pom\u011br n\u00e1klad\u016f k p\u0159\u00edjm\u016fm (CIR) s c\u00edlem posoudit dynamiku konkurence v bankovn\u00edm sektoru v t\u011bchto regionech. \u00dadaje byly z\u00edsk\u00e1ny z datab\u00e1ze Moody&#8217;s Orbis (2024). Pomoc\u00ed statistick\u00fdch test\u016f byla porovn\u00e1na finan\u010dn\u00ed v\u00fdkonnost bank v r\u016fzn\u00fdch kombinac\u00edch zem\u00ed.<\/p>\n<p><strong>Rentabilita vlastn\u00edho<\/strong> kapit\u00e1lu (ROE) je ukazatel, kter\u00fd odr\u00e1\u017e\u00ed n\u00e1vratnost vlastn\u00edho kapit\u00e1lu banky. V b\u0159eznu 2023 pat\u0159ila n\u00e1vratnost kapit\u00e1lu v seversk\u00fdch zem\u00edch k nejvy\u0161\u0161\u00edm v Evrop\u011b. Anal\u00fdza uk\u00e1zala, \u017ee v dlouhodob\u00e9m horizontu je ROE ve \u0160v\u00e9dsku v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e v Estonsku. Nev\u00fdznamn\u00e9 rozd\u00edly mezi pobaltsk\u00fdmi zem\u011bmi a \u0160v\u00e9dskem nazna\u010duj\u00ed, \u017ee SEB a Swedbank ve v\u0161ech regionech efektivn\u011b vyu\u017e\u00edvaj\u00ed investovan\u00fd kapit\u00e1l d\u00edky strategick\u00e9mu \u0159\u00edzen\u00ed kapit\u00e1lu a standardizaci operac\u00ed.<\/p>\n<p><strong>Rentabilita<\/strong>aktiv (ROA) ud\u00e1v\u00e1 ziskovost banky v pom\u011bru k celkov\u00fdm aktiv\u016fm. Studie zjistila v\u00fdznamn\u00e9 rozd\u00edly mezi \u0160v\u00e9dskem a pobaltsk\u00fdmi zem\u011bmi, p\u0159i\u010dem\u017e v pobaltsk\u00e9m regionu je n\u00e1vratnost aktiv vy\u0161\u0161\u00ed. Nejvy\u0161\u0161\u00ed hodnoty ROA byly zaznamen\u00e1ny v Estonsku a Swedbank m\u011bla ve v\u0161ech zem\u00edch vy\u0161\u0161\u00ed ROA ne\u017e SEB. To by mohlo b\u00fdt zp\u016fsobeno v\u011bt\u0161\u00ed a potenci\u00e1ln\u011b m\u00e9n\u011b ziskovou majetkovou z\u00e1kladnou ve \u0160v\u00e9dsku ve srovn\u00e1n\u00ed s pobaltsk\u00fdmi zem\u011bmi.<span class=\"Apple-converted-space\"> <\/span><\/p>\n<p><strong>\u010cist\u00e1 \u00farokov\u00e1 mar\u017ee<\/strong> (NIM) je rozd\u00edl mezi \u00farokov\u00fdmi v\u00fdnosy a \u00farokov\u00fdmi n\u00e1klady. V pobaltsk\u00fdch zem\u00edch byl NIM v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e ve \u0160v\u00e9dsku, co\u017e nazna\u010duje, \u017ee banky vyd\u011bl\u00e1vaj\u00ed v\u00edce na \u00farokov\u00fdch rozp\u011bt\u00edch. Nejvy\u0161\u0161\u00ed hodnoty NIM vyk\u00e1zalo Loty\u0161sko, pravd\u011bpodobn\u011b v d\u016fsledku vy\u0161\u0161\u00edch \u00fav\u011brov\u00fdch sazeb.<\/p>\n<p><strong>Pom\u011br n\u00e1klad\u016f a p\u0159\u00edjm\u016f (Cost-Income Ratio<\/strong>, CIR) m\u011b\u0159\u00ed efektivitu \u0159\u00edzen\u00ed v\u00fddaj\u016f ve vztahu k p\u0159\u00edjm\u016fm. Ve \u0160v\u00e9dsku byla CIR v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e v Estonsku, m\u00edrn\u011b vy\u0161\u0161\u00ed ne\u017e v Loty\u0161sku a m\u00edrn\u011b vy\u0161\u0161\u00ed ne\u017e v Litv\u011b, co\u017e ukazuje na vy\u0161\u0161\u00ed strukturu n\u00e1klad\u016f ve \u0160v\u00e9dsku. V\u00fdsledky nazna\u010duj\u00ed, \u017ee SEB a Swedbank \u0159\u00edd\u00ed n\u00e1klady v pobaltsk\u00fdch zem\u00edch efektivn\u011bji. Anal\u00fdza ukazuje, \u017ee a\u010dkoli \u0161v\u00e9dsk\u00e9 banky m\u011bly v pobaltsk\u00e9m regionu vy\u0161\u0161\u00ed hodnoty NIM a ROA, rozd\u00edly v CIR a dal\u0161\u00edch faktorech ovliv\u0148uj\u00ed celkovou ziskovost. Budouc\u00ed v\u00fdzkum bude prost\u0159ednictv\u00edm rozhovor\u016f s odborn\u00edky zkoumat v\u00fdvoj loty\u0161sk\u00e9ho bankovnictv\u00ed v kontextu Pobalt\u00ed a severn\u00ed Evropy, aby bylo mo\u017en\u00e9 pochopit budouc\u00ed v\u00fdzvy a p\u0159\u00edle\u017eitosti pro finan\u010dn\u00ed slu\u017eby v tomto regionu.<\/p>\n<p>Autory v\u00fdzkumu zadan\u00e9ho ECR Party jsou: Dr. Gundars B\u0113rzi\u0146\u0161, Loty\u0161sk\u00e1 univerzita; Prof. Dr. Ramona Rupeika &#8211; Apoga, Loty\u0161sk\u00e1 univerzita; Prof. Dr. J\u0101nis Priede, Loty\u0161sk\u00e1 univerzita; Mg. soc. Elm\u0101rs Kehris, Loty\u0161sk\u00e9 sdru\u017een\u00ed ekonom\u016f. Studii \u010d\u00e1ste\u010dn\u011b finan\u010dn\u011b podpo\u0159il Evropsk\u00fd parlament.<\/p>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>V uplynul\u00e9m desetilet\u00ed \u010delily \u010dlensk\u00e9 st\u00e1ty EU \u0159ad\u011b v\u00fdznamn\u00fdch probl\u00e9m\u016f, po\u010d\u00ednaje celosv\u011btovou finan\u010dn\u00ed kriz\u00ed v roce 2008, kter\u00e1 m\u011bla na hospod\u00e1\u0159stv\u00ed EU z\u00e1sadn\u00ed dopad. Vz\u00e1jemn\u00e9 propojen\u00ed ekonomiky a finan\u010dn\u00edho sektoru usnadnilo \u0161\u00ed\u0159en\u00ed finan\u010dn\u00ed krize ze Spojen\u00fdch st\u00e1t\u016f do Evropy, \u010d\u00edm\u017e vznikl dominov\u00fd efekt. EU se nejprve pot\u00fdkala s velkou reces\u00ed v letech 2008-2009, po n\u00ed\u017e [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":18112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150,1478],"tags":[1531,545,1532,316,609,1533],"editorial-positions":[42],"regions":[339,344],"types":[441],"class_list":["post-28147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchod-a-ekonomika","category-reforma-pobaltskeho-bankovnictvi","tag-baltic-states","tag-ecr-party","tag-estonia","tag-european-parliament","tag-latvia","tag-lithuania","editorial-positions-focus","regions-eastern-europe-cs","regions-northern-europe-cs","types-surveys-cs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dom\u00e1c\u00ed \u00fav\u011bry bank soukrom\u00e9mu sektoru v pobaltsk\u00fdch zem\u00edch ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011br EU - The Conservative<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theconservative.online\/cs\/domaci-uvery-bank-soukromemu-sektoru-v-pobaltskych-zemich-nizsi-nez-prumer-eu\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dom\u00e1c\u00ed \u00fav\u011bry bank soukrom\u00e9mu sektoru v pobaltsk\u00fdch zem\u00edch ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011br EU - The Conservative\" \/>\n<meta property=\"og:description\" content=\"V uplynul\u00e9m desetilet\u00ed \u010delily \u010dlensk\u00e9 st\u00e1ty EU \u0159ad\u011b v\u00fdznamn\u00fdch probl\u00e9m\u016f, po\u010d\u00ednaje celosv\u011btovou finan\u010dn\u00ed kriz\u00ed v roce 2008, kter\u00e1 m\u011bla na hospod\u00e1\u0159stv\u00ed EU z\u00e1sadn\u00ed dopad. 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