{"id":32969,"date":"2024-09-01T20:13:08","date_gmt":"2024-09-01T20:13:08","guid":{"rendered":"https:\/\/www.theconservative.online\/studie-ecr-transformace-bankovniho-sektoru-eu-a-jeji-dopad-na-pobaltske-staty"},"modified":"2024-09-01T20:14:05","modified_gmt":"2024-09-01T20:14:05","slug":"studie-ecr-transformace-bankovniho-sektoru-eu-a-jeji-dopad-na-pobaltske-staty","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/cs\/studie-ecr-transformace-bankovniho-sektoru-eu-a-jeji-dopad-na-pobaltske-staty","title":{"rendered":"Studie ECR: Transformace bankovn\u00edho sektoru EU a jej\u00ed dopad na pobaltsk\u00e9 st\u00e1ty"},"content":{"rendered":"<p>Je v\u0161eobecn\u011b zn\u00e1mo, \u017ee v posledn\u00edch dvou desetilet\u00edch pro\u0161ly v\u0161echny vl\u00e1dy evropsk\u00fdch zem\u00ed bez v\u00fdjimky mnoha velk\u00fdmi probl\u00e9my v hospod\u00e1\u0159sk\u00e9 oblasti.<br \/>\nPokud bychom se pod\u00edvali na hospod\u00e1\u0159sk\u00fd v\u00fdvoj zem\u00ed Evropsk\u00e9 unie v posledn\u00edm desetilet\u00ed, m\u016f\u017eeme \u0159\u00edci, \u017ee i sv\u011btov\u00e1 finan\u010dn\u00ed krize z roku 2008 m\u011bla na ekonomiku a finan\u010dn\u00ed sektor Evropsk\u00e9 unie v\u00fdznamn\u00fd dopad.<br \/>\nKombinovan\u00e9 krize, po\u010d\u00ednaje velkou reces\u00ed v letech 2008-2009 a pokra\u010duj\u00edce kriz\u00ed st\u00e1tn\u00edho dluhu, v\u00fdznamn\u011b ovlivnily hospod\u00e1\u0159sk\u00fd r\u016fst, investice (soukrom\u00e9 i st\u00e1tn\u00ed), zam\u011bstnanost a fisk\u00e1ln\u00ed postoje vl\u00e1d mnoha \u010dlensk\u00fdch st\u00e1t\u016f EU.<br \/>\nB\u011bhem celosv\u011btov\u00e9 finan\u010dn\u00ed krize v letech 2008-2009 zavedla EU kr\u00e1tkodob\u00e1 opat\u0159en\u00ed na z\u00e1chranu bank a nastartovala reformy k n\u00e1prav\u011b nedostatk\u016f.<br \/>\nV dlouhodob\u011bj\u0161\u00edm horizontu se EU sna\u017eila zlep\u0161it odolnost ekonomiky prost\u0159ednictv\u00edm stability finan\u010dn\u00edho sektoru, pos\u00edlen\u00ed spr\u00e1vy ekonomick\u00fdch z\u00e1le\u017eitost\u00ed a struktur\u00e1ln\u00edch reforem.<br \/>\nPo deseti letech, kdy se evropsk\u00e1 ekonomika sotva stabilizovala, p\u0159inesla pandemie COVID-19 pro evropsk\u00fd bankovn\u00ed sektor nov\u00e9 v\u00fdzvy a p\u0159\u00edle\u017eitosti.<br \/>\nNegativn\u00ed str\u00e1nkou pandemie na bankovn\u00ed sektor byl pokles p\u0159\u00edjm\u016f bank v d\u016fsledku sn\u00ed\u017een\u00e9 popt\u00e1vky a vl\u00e1dn\u00edch intervenc\u00ed.<br \/>\nPozitivn\u00ed str\u00e1nkou bylo zrychlen\u00ed procesu digitalizace.<br \/>\nJe zn\u00e1mo, \u017ee v posledn\u00edm desetilet\u00ed byl evropsk\u00fd bankovn\u00ed sektor zraniteln\u00fd v\u016f\u010di geopolitick\u00fdm rizik\u016fm a kybernetick\u00fdm \u00fatok\u016fm, v\u00fdkyv\u016fm cen energi\u00ed a struktur\u00e1ln\u00edm zm\u011bn\u00e1m v ekonomice euroz\u00f3ny.<br \/>\nProto se studie strany ECR, \u010d\u00e1ste\u010dn\u011b financovan\u00e1 Evropsk\u00fdm parlamentem, zab\u00fdv\u00e1 prom\u011bnou bankovn\u00edho sektoru v EU a dopadem na hospod\u00e1\u0159skou sout\u011b\u017e v pobaltsk\u00fdch st\u00e1tech.           <\/p>\n<h3 style=\"text-align: center;\"><strong>Transformace bankovn\u00edho sektoru v pobaltsk\u00fdch zem\u00edch<span class=\"Apple-converted-space\"> <\/span><\/strong><\/h3>\n<p>  Po rozpadu Sov\u011btsk\u00e9ho svazu 26. prosince 1991 projevily t\u0159i b\u00fdval\u00e9 sov\u011btsk\u00e9 zem\u011b, Estonsko, Litva a Loty\u0161sko, ochotu a &#8222;otev\u0159ely sv\u00e9 hranice&#8220; pro zahrani\u010dn\u00ed bankovn\u00ed investice.<br \/>\nEstonsko a Litva p\u0159il\u00e1kaly mezin\u00e1rodn\u00ed banky, zejm\u00e9na \u0161v\u00e9dsk\u00e9, kter\u00e9 obsluhovaly jak m\u00edstn\u00ed obyvatele, tak mezin\u00e1rodn\u00ed klienty. <span class=\"Apple-converted-space\"> <\/span>  Loty\u0161sko se naopak sna\u017eilo st\u00e1t finan\u010dn\u00edm centrem Rusk\u00e9 federace a zem\u00ed Spole\u010denstv\u00ed nez\u00e1visl\u00fdch st\u00e1t\u016f (SNS) a p\u0159il\u00e1kat finan\u010dn\u00ed vklady z t\u011bchto region\u016f.<br \/>\nTato loty\u0161sk\u00e1 strategie vedla k probl\u00e9m\u016fm a obvin\u011bn\u00edm z pran\u00ed \u0161pinav\u00fdch pen\u011bz ze zem\u00ed b\u00fdval\u00e9ho Sov\u011btsk\u00e9ho svazu.<br \/>\nDnes v\u0161echny t\u0159i pobaltsk\u00e9 zem\u011b zavedly mnohem p\u0159\u00edsn\u011bj\u0161\u00ed p\u0159edpisy a sna\u017e\u00ed se transformovat sv\u00e9 obchodn\u00ed modely tak, aby byly udr\u017eiteln\u011bj\u0161\u00ed, digitalizovan\u011bj\u0161\u00ed a p\u0159\u00edzniv\u011bj\u0161\u00ed pro podnik\u00e1n\u00ed.<br \/>\nP\u0159esto\u017ee zahrani\u010dn\u00ed investice hr\u00e1ly v rozvoji bankovn\u00edho sektoru pobaltsk\u00fdch zem\u00ed v\u00fdznamnou roli, vedly tak\u00e9 k vysok\u00e9 koncentraci bankovn\u00edch aktiv.<br \/>\nV Estonsku a Litv\u011b kontroluj\u00ed zahrani\u010dn\u00ed instituce v\u00edce ne\u017e 85 % bankovn\u00edch aktiv, zat\u00edmco v Loty\u0161sku je to 76 %.<br \/>\nTato dominance mezin\u00e1rodn\u00edch bank m\u016f\u017ee omezovat konkurenci na bankovn\u00edch trz\u00edch t\u011bchto t\u0159\u00ed zem\u00ed ve srovn\u00e1n\u00ed s mnohem v\u011bt\u0161\u00edm severoevropsk\u00fdm regionem.<br \/>\nKl\u00ed\u010dem ke zdrav\u00e9mu a dlouhodob\u011b dynamick\u00e9mu bankovn\u00edmu prost\u0159ed\u00ed v pobaltsk\u00fdch zem\u00edch by v budoucnu mohlo b\u00fdt vyv\u00e1\u017een\u00ed zahrani\u010dn\u00edch investic s dom\u00e1c\u00ed \u00fa\u010dast\u00ed.        <\/p><div class='related_content'><span>RELATED<\/span><ul><li><a href='https:\/\/www.theconservative.online\/cs\/evropa-usa-ekonomicke-nato-obnoveni-zakladu-prosperity-zapadu-panel-ecr-na-ekonomickem-foru-v-kluzi-napoce'>Evropa &#8211; USA Ekonomick\u00e9 NATO: Obnoven\u00ed z\u00e1klad\u016f prosperity Z\u00e1padu: Panel ECR na ekonomick\u00e9m f\u00f3ru v Klu\u017ei-Napoce<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/zima-se-blizi-pro-evropu-takhle-to-dal-nejde'>&#8222;Zima se bl\u00ed\u017e\u00ed&#8220; pro Evropu? Takhle to d\u00e1l nejde!<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/cs\/panel-ecr-v-kluzi-napoce-evropske-inovacni-hospodarstvi-inovacni-ekonomika-technologie-vyroba-a-budoucnost-konkurenceschopne-evropy'>Panel ECR v Klu\u017ei-Napoce: Evropsk\u00e9 inova\u010dn\u00ed hospod\u00e1\u0159stv\u00ed: Inova\u010dn\u00ed ekonomika: Technologie, v\u00fdroba a budoucnost konkurenceschopn\u00e9 Evropy<\/li><\/a><\/ul><\/div>\n<h3 style=\"text-align: center;\"><strong>Dopad transformace trhu pr\u00e1ce a \u00fav\u011br\u016f v Evrop\u011b<\/strong><\/h3>\n<p>  V obdob\u00ed p\u0159ed finan\u010dn\u00ed kriz\u00ed (1998-2008) do\u0161lo v EU k 19% n\u00e1r\u016fstu po\u010dtu bankovn\u00edch zam\u011bstnanc\u016f a 23% n\u00e1r\u016fstu po\u010dtu bankovn\u00edch pobo\u010dek.<br \/>\nV pobaltsk\u00fdch st\u00e1tech zkouman\u00fdch ve studii ECR Party zaznamenalo Loty\u0161sko impozantn\u00ed 76% n\u00e1r\u016fst po\u010dtu zam\u011bstnanc\u016f, n\u00e1sledovan\u00e9 Estonskem (38 %) a Litvou (16 %).<br \/>\nNo a v pokrizov\u00e9m obdob\u00ed (2009-2022) do\u0161lo v EU k v\u00fdrazn\u00e9mu poklesu po\u010dtu bankovn\u00edch pobo\u010dek (40 %) i zam\u011bstnanc\u016f (20 %).<br \/>\nV pobaltsk\u00fdch st\u00e1tech Estonsko a Litva nad\u00e1le zaznamen\u00e1valy n\u00e1r\u016fst po\u010dtu zam\u011bstnanc\u016f, zat\u00edmco Loty\u0161sko zaznamenalo dramatick\u00fd pokles po\u010dtu bankovn\u00edch zam\u011bstnanc\u016f o 57 %, co\u017e je nejv\u011bt\u0161\u00ed &#8222;\u00fabytek bankovn\u00edch zam\u011bstnanc\u016f&#8220; v Evrop\u011b.<br \/>\nV oblasti poskytov\u00e1n\u00ed \u00fav\u011br\u016f vykazuje pobaltsk\u00fd paradox vysok\u00e9 \u00farokov\u00e9 sazby a n\u00edzk\u00e9 \u00fav\u011bry.<br \/>\nA\u010dkoli jsou banky p\u016fsob\u00edc\u00ed v Pobalt\u00ed kritizov\u00e1ny za nedostate\u010dn\u00e9 \u00fav\u011brov\u00e1n\u00ed, nezd\u00e1 se, \u017ee by probl\u00e9mem byl nedostatek zdroj\u016f, ale sp\u00ed\u0161e opatrn\u00fd p\u0159\u00edstup.<br \/>\nVysok\u00e9 \u00farokov\u00e9 sazby nazna\u010duj\u00ed probl\u00e9m konkurence v pobaltsk\u00e9m bankovn\u00edm sektoru, na rozd\u00edl od p\u0159\u00edzniv\u011bj\u0161\u00edch sazeb ve skandin\u00e1vsk\u00fdch zem\u00edch.        <\/p>\n<h3 style=\"text-align: center;\"><strong>Digit\u00e1ln\u00ed transformace a jej\u00ed dopad na evropsk\u00fd bankovn\u00ed sektor<\/strong><\/h3>\n<p>  Digitalizace podle o\u010dek\u00e1v\u00e1n\u00ed v\u00fdrazn\u011b zm\u011bnila evropsk\u00fd bankovn\u00ed sektor.<br \/>\nTato digitalizace vedla k v\u011bt\u0161\u00edmu vyu\u017e\u00edv\u00e1n\u00ed slu\u017eeb internetov\u00e9ho bankovnictv\u00ed a ke sn\u00ed\u017een\u00ed pot\u0159eby fyzick\u00e9 infrastruktury bank.<br \/>\nV t\u00e9to souvislosti bylo zji\u0161t\u011bno, \u017ee tradi\u010dn\u00ed banky \u010del\u00ed zv\u00fd\u0161en\u00e9 konkurenci ze strany nebankovn\u00edch subjekt\u016f, kter\u00e9 funguj\u00ed v\u00fdhradn\u011b digit\u00e1ln\u011b, ani\u017e by m\u011bly fyzick\u00e9 pobo\u010dky (pobo\u010dky, kam mus\u00ed b\u011b\u017en\u00fd ob\u010dan zavolat).<br \/>\nV roce 2022 m\u011bla Evropa celosv\u011btov\u011b nejvy\u0161\u0161\u00ed hodnotu transakc\u00ed na trhu s nebankovn\u00edmi slu\u017ebami, n\u00e1sledov\u00e1na USA.<br \/>\nP\u0159edpokl\u00e1dan\u00fd pr\u016fm\u011brn\u00fd ro\u010dn\u00ed r\u016fst evropsk\u00e9ho trhu nebankovn\u00edch transakc\u00ed v letech 2022 a\u017e 2027 \u010din\u00ed 25 %, co\u017e nazna\u010duje pokra\u010duj\u00edc\u00ed r\u016fst tohoto sektoru.<br \/>\nTransformace bankovn\u00edho sektoru v Evropsk\u00e9 unii je pokra\u010duj\u00edc\u00edm procesem, kter\u00fd je ovlivn\u011bn vn\u011bj\u0161\u00edmi faktory, jako jsou geopolitick\u00e1 rizika, finan\u010dn\u00ed krize v roce 2008, pandemie COVID-19 a dal\u0161\u00ed faktory, kter\u00e9 urychlily regulaci, digitalizaci a hodnocen\u00ed rizik.<br \/>\nTransformace v evropsk\u00e9m a seversk\u00e9m bankovn\u00edm sektoru m\u011bly v\u00fdznamn\u00fd dopad, kter\u00fd pos\u00edlil konkurenci v pobaltsk\u00fdch st\u00e1tech.<br \/>\nNavzdory nejistot\u00e1m existuj\u00ed jasn\u00e9 sm\u011bry, kter\u00fdmi se bude glob\u00e1ln\u00ed bankovn\u00ed sektor d\u00e1le transformovat.       <span class=\"Apple-converted-space\">  <\/span>Tyto sm\u011bry transformace zahrnuj\u00ed \u0159\u00edzen\u00ed geopolitick\u00fdch rizik, regula\u010dn\u00ed tlak a dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f, digitalizaci a FinTech, zav\u00e1d\u011bn\u00ed udr\u017eiteln\u00e9ho obchodn\u00edho modelu.<br \/>\nP\u0159ijet\u00ed krit\u00e9ri\u00ed ESG (environment\u00e1ln\u00edch, soci\u00e1ln\u00edch a spr\u00e1vn\u00edch) p\u0159edstavuje zm\u011bnu paradigmatu, kter\u00e1 nab\u00edz\u00ed jak environment\u00e1ln\u00ed p\u0159\u00ednosy, tak nov\u00e9 p\u0159\u00edle\u017eitosti pro finan\u010dn\u00ed sektor.   <img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26368 aligncenter\" src=\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2024\/05\/shutterstock_2259175787.jpg\" alt=\"\" width=\"1000\" height=\"563\">  Po p\u0159echodu od pl\u00e1novan\u00e9ho k tr\u017en\u00edmu hospod\u00e1\u0159stv\u00ed pobaltsk\u00e9 zem\u011b liberalizovaly sv\u00e9 finan\u010dn\u00ed syst\u00e9my a umo\u017enily vstup zahrani\u010dn\u00edch investor\u016f do bankovn\u00edho sektoru.<br \/>\nTo vedlo k v\u00fdrazn\u00e9mu n\u00e1r\u016fstu po\u010dtu bank vlastn\u011bn\u00fdch zahrani\u010dn\u00edmi investory, zejm\u00e9na ze skandin\u00e1vsk\u00fdch zem\u00ed a N\u011bmecka.<br \/>\nV Estonsku byl tento proces mnohem rychlej\u0161\u00ed ne\u017e v Loty\u0161sku a Litv\u011b, kde banky v zahrani\u010dn\u00edm vlastnictv\u00ed dr\u017eely na po\u010d\u00e1tku roku 2000 v\u00edce ne\u017e 90 % bankovn\u00edch aktiv.<br \/>\nJak je vid\u011bt, obchodn\u00ed modely bank v pobaltsk\u00fdch zem\u00edch se vyv\u00edjely odli\u0161n\u011b.<br \/>\nNap\u0159\u00edklad v Litv\u011b se zahrani\u010dn\u00ed (p\u0159edev\u0161\u00edm \u0161v\u00e9dsk\u00e9) banky zam\u011b\u0159ovaly na m\u00edstn\u00ed klientelu.<br \/>\nV Loty\u0161sku byl bankovn\u00ed sektor ovlivn\u011bn geopolitick\u00fdmi faktory a m\u00edstn\u00ed banky obsluhovaly jak dom\u00e1c\u00ed, tak zahrani\u010dn\u00ed klienty, p\u0159edev\u0161\u00edm z Rusk\u00e9 federace a \u010dlensk\u00fdch zem\u00ed SNS.<br \/>\nD\u00edky t\u00e9to bankovn\u00ed politice se Loty\u0161sko stalo region\u00e1ln\u00edm finan\u010dn\u00edm centrem.<br \/>\nTuto pozici v\u0161ak naru\u0161ila opakovan\u00e1 obvin\u011bn\u00ed z pran\u00ed \u0161pinav\u00fdch pen\u011bz, co\u017e vedlo k poklesu vklad\u016f nerezident\u016f a finan\u010dn\u00edm pot\u00ed\u017e\u00edm n\u011bkter\u00fdch bank.<br \/>\nV Estonsku se bankovn\u00ed model ub\u00edral p\u0159echodnou cestou, podobn\u011b jako v Litv\u011b, ale s v\u00fdrazn\u00fdm sn\u00ed\u017een\u00edm nerezidentsk\u00fdch vklad\u016f v r\u00e1mci \u00fasil\u00ed o boj proti riziku pran\u00ed \u0161pinav\u00fdch pen\u011bz.<br \/>\nKoncentrace bankovn\u00edho sektoru v pobaltsk\u00e9m regionu je vysok\u00e1 a dominuje mu n\u011bkolik velk\u00fdch bank, jako jsou Swedbank a SEB, co\u017e sv\u011bd\u010d\u00ed o n\u00edzk\u00e9 \u00farovni konkurence ve srovn\u00e1n\u00ed se seversk\u00fdmi zem\u011bmi a pr\u016fm\u011brem EU.<br \/>\nA\u010dkoli ve \u0160v\u00e9dsku je bankovn\u00ed trh dynami\u010dt\u011bj\u0161\u00ed a konkurenceschopn\u011bj\u0161\u00ed, v pobaltsk\u00fdch zem\u00edch vysok\u00e1 m\u00edra koncentrace nazna\u010duje negativn\u00ed dopad na hospod\u00e1\u0159skou sout\u011b\u017e.<br \/>\nPo celosv\u011btov\u00e9 finan\u010dn\u00ed krizi se po\u010det bankovn\u00edch pobo\u010dek a zam\u011bstnanc\u016f bank v bankovn\u00edm sektoru EU sn\u00ed\u017eil.<br \/>\nTento trend byl v pobaltsk\u00fdch zem\u00edch podobn\u00fd, s v\u00fdjimkou Litvy, kde se po\u010det pobo\u010dek p\u0159ed kriz\u00ed zv\u00fd\u0161il.<br \/>\nV Loty\u0161sku a Estonsku se po\u010det zam\u011bstnanc\u016f mezi lety 1999 a 2008 v\u00fdrazn\u011b zv\u00fd\u0161il, ale v Loty\u0161sku po krizi prudce poklesl.<br \/>\nBankovn\u00ed \u00fav\u011bry soukrom\u00e9mu sektoru jsou v pobaltsk\u00fdch zem\u00edch pod pr\u016fm\u011brem EU, ale \u00farokov\u00e9 sazby z \u00fav\u011br\u016f jsou vy\u0161\u0161\u00ed ne\u017e v ostatn\u00edch evropsk\u00fdch zem\u00edch.              <span class=\"Apple-converted-space\">  <\/span>To odr\u00e1\u017e\u00ed omezenou konkurenci mezi bankami, kter\u00e1 jim umo\u017e\u0148uje udr\u017eovat vysok\u00e9 \u00farokov\u00e9 sazby.<br \/>\nBaltsk\u00e9 banky jsou ziskov\u011bj\u0161\u00ed ne\u017e banky v seversk\u00fdch zem\u00edch d\u00edky vy\u0161\u0161\u00edm ziskov\u00fdm mar\u017e\u00edm a efektivn\u011bj\u0161\u00edm provozn\u00edm postup\u016fm.<br \/>\nTo v\u0161ak m\u016f\u017ee b\u00fdt ovlivn\u011bno tak\u00e9 ni\u017e\u0161\u00ed \u00farovn\u00ed konkurence a vy\u0161\u0161\u00edmi riziky v regionu.    <\/p>\n<h3 style=\"text-align: center;\"><strong>Konkurenceschopnost seversk\u00e9ho bankovn\u00edho sektoru<\/strong><\/h3>\n<p>  Po kr\u00e1tk\u00e9m obdob\u00ed p\u0159echodu od pl\u00e1novan\u00e9ho k tr\u017en\u00edmu hospod\u00e1\u0159stv\u00ed pobaltsk\u00e9 zem\u011b liberalizovaly sv\u00e9 finan\u010dn\u00ed syst\u00e9my a umo\u017enily vstup zahrani\u010dn\u00edch investor\u016f na bankovn\u00ed trhy.<br \/>\nDo pobaltsk\u00e9ho bankovn\u00edho sektoru vstoupil zahrani\u010dn\u00ed kapit\u00e1l p\u0159edev\u0161\u00edm ze skandin\u00e1vsk\u00fdch zem\u00ed a N\u011bmecka, pozd\u011bji tak\u00e9 z USA.<br \/>\nVstup zahrani\u010dn\u00edho kapit\u00e1lu nebyl ve v\u0161ech t\u0159ech pobaltsk\u00fdch zem\u00edch jednotn\u00fd.<br \/>\nV Estonsku byl pr\u016fnik zahrani\u010dn\u00edho kapit\u00e1lu rychl\u00fd, tak\u017ee koncem 90. let 20. stolet\u00ed tvo\u0159ily banky v zahrani\u010dn\u00edm vlastnictv\u00ed p\u0159ibli\u017en\u011b 90 % bankovn\u00edch aktiv.<br \/>\nV p\u0159\u00edpad\u011b Litvy p\u0159i\u0161el masivn\u00ed vstup zahrani\u010dn\u00edho kapit\u00e1lu pozd\u011bji a v roce 2002 zahrani\u010dn\u00ed banky dr\u017eely n\u011bco m\u00e1lo p\u0159es 90 % bankovn\u00edch aktiv.<br \/>\nNaproti tomu v Loty\u0161sku bylo zastoupen\u00ed zahrani\u010dn\u00edho kapit\u00e1lu ni\u017e\u0161\u00ed, ale postupn\u011b se zvy\u0161ovalo a v roce 2022 dos\u00e1hlo 80 %.       <\/p>\n<h3 style=\"text-align: center;\"><strong>  Jak\u00e9 jsou obchodn\u00ed modely bank v pobaltsk\u00fdch zem\u00edch?<\/strong><\/h3>\n<p>  Bankovn\u00ed obchodn\u00ed modely se ve t\u0159ech pobaltsk\u00fdch zem\u00edch vyv\u00edjely odli\u0161n\u011b.<br \/>\nZat\u00edmco Litva se orientovala na dom\u00e1c\u00ed klientelu a nab\u00edzela \u0161irokou \u0161k\u00e1lu univerz\u00e1ln\u00edch bankovn\u00edch slu\u017eeb, p\u0159edev\u0161\u00edm prost\u0159ednictv\u00edm \u0161v\u00e9dsk\u00fdch bank, Loty\u0161sko naopak p\u0159ijalo odli\u0161n\u00fd model zam\u011b\u0159en\u00fd na dva segmenty: slu\u017eby pro dom\u00e1c\u00ed klientelu (p\u0159ev\u00e1\u017en\u011b prost\u0159ednictv\u00edm dce\u0159in\u00fdch spole\u010dnost\u00ed skandin\u00e1vsk\u00fdch bank) a mezin\u00e1rodn\u00ed slu\u017eby orientovan\u00e9 na klientelu v Rusku a zem\u00edch SNS.<br \/>\nEstonsko zvolilo podobnou st\u0159edn\u00ed cestu jako Litva, p\u0159i\u010dem\u017e po roce 2015 v\u00fdrazn\u011b omezilo vklady nerezident\u016f, zejm\u00e9na s c\u00edlem zm\u00edrnit rizika pran\u00ed \u0161pinav\u00fdch pen\u011bz.<br \/>\nPodle studie ECR Party zv\u00fd\u0161il vstup zahrani\u010dn\u00edch investor\u016f na finan\u010dn\u00ed trhy v Pobalt\u00ed odolnost pobaltsk\u00e9ho bankovn\u00edho sektoru v\u016f\u010di vn\u011bj\u0161\u00edm \u0161ok\u016fm, ale z\u00e1rove\u0148 vyvolal ot\u00e1zky souvisej\u00edc\u00ed s bankovn\u00ed konkurenc\u00ed.   <span class=\"Apple-converted-space\">  <\/span>Na konci roku 2022 tak bylo 90 % bankovn\u00edch aktiv v Litv\u011b, 85 % v Estonsku a 76 % v Loty\u0161sku v dr\u017een\u00ed bank se zahrani\u010dn\u00ed \u00fa\u010dast\u00ed.<br \/>\nHerfindahl-Hirschman\u016fv index (HHI) uk\u00e1zal m\u00edrnou a\u017e vysokou koncentraci bankovn\u00edho sektoru v Pobalt\u00ed ve srovn\u00e1n\u00ed s n\u00edzkou koncentrac\u00ed ve \u0160v\u00e9dsku a D\u00e1nsku.<br \/>\nDominance velk\u00fdch bank \u0161v\u00e9dsk\u00e9ho p\u016fvodu, jako jsou Swedbank a SEB, nazna\u010duje n\u00edzkou konkurenci v pobaltsk\u00e9m bankovn\u00edm sektoru, na rozd\u00edl od seversk\u00fdch trh\u016f, kde je konkurence mnohem dynami\u010dt\u011bj\u0161\u00ed.<br \/>\nJak bylo uvedeno v\u00fd\u0161e, v obdob\u00ed 1999-2008 se sektor \u00fav\u011brov\u00fdch instituc\u00ed v EU v\u00fdrazn\u011b roz\u0161\u00ed\u0159il, ale sv\u011btov\u00e1 finan\u010dn\u00ed krize vedla k poklesu po\u010dtu pobo\u010dek a zam\u011bstnanc\u016f.   <span class=\"Apple-converted-space\">  <\/span>V Litv\u011b se po\u010det pobo\u010dek mezi lety 1999 a 2008 zv\u00fd\u0161il o 35 %, ale v Loty\u0161sku a Estonsku po krizi klesl.<br \/>\nV Loty\u0161sku po\u010det zam\u011bstnanc\u016f do roku 2008 v\u00fdrazn\u011b rostl, ale v letech 2009 a\u017e 2022 prudce klesl o 57 %.<br \/>\nNaopak v Estonsku, Litv\u011b a \u0160v\u00e9dsku po\u010det zam\u011bstnanc\u016f nad\u00e1le rostl.    <\/p>\n<h3 style=\"text-align: center;\"><strong>\u00dav\u011bry a \u00farokov\u00e9 sazby v pobaltsk\u00fdch zem\u00edch, efektivita a ziskovost bankovn\u00edho sektoru<\/strong><\/h3>\n<p>  V pobaltsk\u00fdch zem\u00edch jsou \u00fav\u011bry soukrom\u00e9mu sektoru systematicky ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011br EU, p\u0159i\u010dem\u017e v \u010dele stoj\u00ed Loty\u0161sko.<br \/>\nP\u0159esto\u017ee pobaltsk\u00e9 banky nemaj\u00ed nedostatek zdroj\u016f, zd\u00e1 se, \u017ee uplat\u0148uj\u00ed konzervativn\u00ed \u00fav\u011brov\u00e9 postupy a rad\u011bji udr\u017euj\u00ed vy\u0161\u0161\u00ed pod\u00edl vklad\u016f v likvidn\u00edch aktivech.<br \/>\nP\u0159esto\u017ee jsou \u00fav\u011brov\u00e9 postupy konzervativn\u00ed, \u00farokov\u00e9 sazby jsou vy\u0161\u0161\u00ed ne\u017e pr\u016fm\u011br euroz\u00f3ny, co\u017e nazna\u010duje omezenou konkurenci v bankovn\u00edm sektoru.<br \/>\nTyto vysok\u00e9 sazby mohou b\u00fdt tak\u00e9 ovlivn\u011bny sn\u00ed\u017eenou popt\u00e1vkou po \u00fav\u011brech.     <img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18660 aligncenter\" src=\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2024\/02\/euro-money-finance-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\">  Na trz\u00edch s malou konkurenc\u00ed mohou banky dosahovat vy\u0161\u0161\u00edch zisk\u016f, ne\u017e je nutn\u00e9 k uspokojen\u00ed popt\u00e1vky investor\u016f.<br \/>\nV b\u0159eznu 2023 pat\u0159ila n\u00e1vratnost vlastn\u00edho kapit\u00e1lu (ROE) a \u010dist\u00e1 \u00farokov\u00e1 mar\u017ee (NIM) v pobaltsk\u00fdch zem\u00edch k nejvy\u0161\u0161\u00edm v Evrop\u011b.<br \/>\nA\u010dkoli ROE v seversk\u00fdch zem\u00edch byla vy\u0161\u0161\u00ed ne\u017e pr\u016fm\u011br EU, rozd\u00edly mezi Pobalt\u00edm a \u0160v\u00e9dskem nebyly v\u00fdznamn\u00e9, co\u017e nazna\u010duje efektivn\u00ed vyu\u017e\u00edv\u00e1n\u00ed kapit\u00e1lu v obou regionech.<br \/>\n\u010cist\u00e1 \u00farokov\u00e1 mar\u017ee (NIM) NIM byla v Pobalt\u00ed v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e ve \u0160v\u00e9dsku, co\u017e nazna\u010duje vy\u0161\u0161\u00ed zisky z \u00fav\u011brov\u00e9 \u010dinnosti.<br \/>\nN\u00edzk\u00e1 mobilita klient\u016f byla identifikov\u00e1na jako potenci\u00e1ln\u00ed p\u0159ek\u00e1\u017eka podpory v\u011bt\u0161\u00ed konkurence v bankovn\u00edm sektoru.<br \/>\nV letech 2017-2022 zm\u011bnilo poskytovatele finan\u010dn\u00edch slu\u017eeb p\u0159ibli\u017en\u011b 29 % obyvatel EU.<br \/>\nZat\u00edmco \u0160v\u00e9dsko bylo v tomto ohledu l\u00eddrem EU, Litva za evropsk\u00fdm pr\u016fm\u011brem p\u0159\u00edli\u0161 nezaost\u00e1vala.      <span class=\"Apple-converted-space\">  <\/span>Ziskovost je hlavn\u00edm ukazatelem \u00fasp\u011b\u0161nosti banky. Studie analyzovala finan\u010dn\u00ed \u00fadaje bank SEB a Swedbank ve v\u0161ech pobaltsk\u00fdch zem\u00edch a ve \u0160v\u00e9dsku v obdob\u00ed 2005-2023.<br \/>\nPodle centralizovan\u00fdch \u00fadaj\u016f tak bylo zji\u0161t\u011bno, \u017ee mezi pobaltsk\u00fdmi zem\u011bmi a \u0160v\u00e9dskem neexistuj\u00ed \u017e\u00e1dn\u00e9 v\u00fdznamn\u00e9 rozd\u00edly, pokud jde o n\u00e1vratnost vlastn\u00edho kapit\u00e1lu, s v\u00fdjimkou Estonska, kde byla n\u00e1vratnost vlastn\u00edho kapit\u00e1lu SEB ni\u017e\u0161\u00ed ne\u017e ve \u0160v\u00e9dsku.<br \/>\nRentabilita aktiv (ROA) byla v pobaltsk\u00fdch zem\u00edch v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e ve \u0160v\u00e9dsku, co\u017e nazna\u010duje vy\u0161\u0161\u00ed v\u00fdnos na aktiva v Pobalt\u00ed.<br \/>\n\u010cist\u00e1 \u00farokov\u00e1 mar\u017ee (NIM) byla v Pobalt\u00ed v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e ve \u0160v\u00e9dsku, co\u017e nazna\u010duje, \u017ee banky v Pobalt\u00ed z\u00edsk\u00e1vaj\u00ed vy\u0161\u0161\u00ed zisk z rozd\u00edlu mezi \u00faroky z \u00fav\u011br\u016f a \u00faroky z vklad\u016f.<br \/>\nZ anal\u00fdzy vypl\u00fdv\u00e1, \u017ee \u0161v\u00e9dsk\u00e9 banky p\u016fsob\u00edc\u00ed v Pobalt\u00ed dosahovaly vy\u0161\u0161\u00edch zisk\u016f z \u00fav\u011brov\u00e9 \u010dinnosti a ve srovn\u00e1n\u00ed se \u0161v\u00e9dsk\u00fdm trhem efektivn\u011bji spravovaly sv\u00e1 aktiva a kapit\u00e1l.<br \/>\nVysok\u00e1 m\u00edra koncentrace bankovn\u00edho sektoru v Pobalt\u00ed v\u0161ak nazna\u010duje men\u0161\u00ed konkurenci, kter\u00e1 m\u016f\u017ee p\u0159isp\u00edvat k vy\u0161\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m a vy\u0161\u0161\u00ed ziskovosti bank.     <\/p>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Je v\u0161eobecn\u011b zn\u00e1mo, \u017ee v posledn\u00edch dvou desetilet\u00edch pro\u0161ly v\u0161echny vl\u00e1dy evropsk\u00fdch zem\u00ed bez v\u00fdjimky mnoha velk\u00fdmi probl\u00e9my v hospod\u00e1\u0159sk\u00e9 oblasti. Pokud bychom se pod\u00edvali na hospod\u00e1\u0159sk\u00fd v\u00fdvoj zem\u00ed Evropsk\u00e9 unie v posledn\u00edm desetilet\u00ed, m\u016f\u017eeme \u0159\u00edci, \u017ee i sv\u011btov\u00e1 finan\u010dn\u00ed krize z roku 2008 m\u011bla na ekonomiku a finan\u010dn\u00ed sektor Evropsk\u00e9 unie v\u00fdznamn\u00fd dopad. Kombinovan\u00e9 [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":18055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150,1478],"tags":[1531,545,1532,609,1533],"editorial-positions":[],"regions":[339,344],"types":[415,441],"class_list":["post-32969","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-latvia","tag-lithuania","regions-eastern-europe-cs","regions-northern-europe-cs","types-news-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>Studie ECR: Transformace bankovn\u00edho sektoru EU a jej\u00ed dopad na pobaltsk\u00e9 st\u00e1ty - 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\/studie-ecr-transformace-bankovniho-sektoru-eu-a-jeji-dopad-na-pobaltske-staty\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Studie ECR: Transformace bankovn\u00edho sektoru EU a jej\u00ed dopad na pobaltsk\u00e9 st\u00e1ty - The Conservative\" \/>\n<meta property=\"og:description\" content=\"Je v\u0161eobecn\u011b zn\u00e1mo, \u017ee v posledn\u00edch dvou desetilet\u00edch pro\u0161ly v\u0161echny vl\u00e1dy evropsk\u00fdch zem\u00ed bez v\u00fdjimky mnoha velk\u00fdmi probl\u00e9my v hospod\u00e1\u0159sk\u00e9 oblasti. 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