{"id":326691,"date":"2023-04-28T10:43:51","date_gmt":"2023-04-28T08:43:51","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=326691"},"modified":"2023-04-28T10:43:52","modified_gmt":"2023-04-28T08:43:52","slug":"fintech-media-choice-neistota-v-bankovnictve","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/ru\/fintech-media-choice-neistota-v-bankovnictve\/","title":{"rendered":"FinTech Media Choice - neistota v bankovn\u00edctve"},"content":{"rendered":"
Na\u010derpajte inform\u00e1cie z v\u00fdberu \u010dl\u00e1nkov in\u00fdch m\u00e9di\u00ed. Na\u0161e zhrnutie ka\u017ed\u00e9ho z nich V\u00e1m u\u0161etr\u00ed \u010das. N\u00e1jdete tu novinky zo sveta financi\u00ed, technol\u00f3gi\u00ed, aj nehnute\u013enost\u00ed. Pr\u00edjemn\u00e9 \u010d\u00edtanie!<\/p>\n\n\n\n
Finan\u010dn\u00e9 domy si u\u017e\u00edvali v\u00fdhody menovej politiky ECB, ale zmeny s\u00fa na obzore a zisky b\u00e1nk sa ocitaj\u00fa pod tlakom. V\u010faka lacnej likvidite z minulosti mali banky n\u00edzke \u00faroky na vkladoch a vy\u0161\u0161ie \u00faroky na \u00faveroch, \u010do zabezpe\u010dovalo sol\u00eddne \u00farokov\u00e9 mar\u017ee. Av\u0161ak lacn\u00e1 likvidita sa mus\u00ed vr\u00e1ti\u0165 a banky bud\u00fa viac z\u00e1visl\u00e9 od vkladov obyvate\u013estva s potenci\u00e1lne ni\u017e\u0161\u00edmi mar\u017eami.<\/p>\n\n\n\n
ECB rozhodla zmeni\u0165 pr\u00edstup k dr\u017eaniu kapit\u00e1lu na krytie str\u00e1t z \u00faverov po negat\u00edvnych sk\u00fasenostiach s bankami, ktor\u00e9 si samy ur\u010dovali mno\u017estvo dr\u017ean\u00e9ho kapit\u00e1lu. Rev\u00edzia hodnotenia kapit\u00e1lovej primeranosti zistila, \u017ee banky by mali dr\u017ea\u0165 viac kapit\u00e1lu, \u010do by mohlo zv\u00fd\u0161i\u0165 ich n\u00e1klady.<\/p>\n\n\n\n
S rast\u00facim rizikom recesie a zvy\u0161uj\u00facimi sa n\u00e1kladmi sa banky musia pripravi\u0165 na slab\u0161ie v\u00fdsledky. Rast tr\u017eieb nebude r\u00fdchly a pr\u00edjmy z obchodovania bud\u00fa len slabou n\u00e1plas\u0165ou na probl\u00e9my bankov\u00e9ho sektora.<\/p>\n\n\n\n
Ve\u013ek\u00e9 banky \u00faspe\u0161ne odol\u00e1vaj\u00fa kr\u00edze sp\u00f4sobenej krachom men\u0161\u00edch b\u00e1nk a probl\u00e9mami eur\u00f3pskych finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed. Pod\u013ea Thomasa Pfeilera zo spolo\u010dnosti Cyrrus sa oplat\u00ed investova\u0165 do siln\u00fdch a ve\u013ek\u00fdch b\u00e1nk. \u0160pekulat\u00edvnym n\u00e1kupom akci\u00ed men\u0161\u00edch region\u00e1lnych b\u00e1nk je lep\u0161ie sa vyhn\u00fa\u0165. Odliv vkladov z b\u00e1nk je spojen\u00fd s atrakt\u00edvnej\u0161\u00edmi v\u00fdnosmi z fondov pe\u0148a\u017en\u00e9ho trhu, \u010do zvy\u0161uje konkurenciu a n\u00fati banky zvy\u0161ova\u0165 \u00farokov\u00e9 sadzby na vkladoch.
JPMorgan Chase zaznamenal medzikvart\u00e1lny rast vkladov o 2 %, zatia\u013e \u010do ostatn\u00e9 banky \u010delili ich poklesu. Bankov\u00e9 giganty profituj\u00fa zo \u0161tat\u00fatu \"pr\u00edli\u0161 ve\u013ek\u00fdch na to, aby mohli padn\u00fa\u0165\" a nemusia l\u00e1ka\u0165 klientov atrakt\u00edvnymi v\u00fdnosmi. Lep\u0161ie ako o\u010dak\u00e1van\u00e9 \u010d\u00edsla hl\u00e1sia najm\u00e4 ve\u013ek\u00e9 banky. Krach banky v Silicon Valley zv\u00fd\u0161il volatilitu americk\u00fdch \u0161t\u00e1tnych dlhopisov, \u010do viedlo k hor\u00fa\u010dkovitej obchodnej aktivite a podpore segmentu obchodovania pre v\u00e4\u010d\u0161inu b\u00e1nk, s v\u00fdnimkou Goldman Sachs.
Banky preuk\u00e1zali odolnos\u0165 napriek kr\u00edze Silicon Valley, av\u0161ak spr\u00edsnenie \u00faverov\u00fdch \u0161tandardov m\u00f4\u017ee ovplyvni\u0165 komer\u010dn\u00e9 nehnute\u013enosti. Investori by mali uprednost\u0148ova\u0165 ve\u013ek\u00e9 pe\u0148a\u017en\u00e9 in\u0161tit\u00facie s men\u0161ou expoz\u00edciou vo\u010di investi\u010dn\u00e9mu bankovn\u00edctvu, zatia\u013e \u010do \u0161pekulat\u00edvne n\u00e1kupy akci\u00ed men\u0161\u00edch b\u00e1nk by sa mali vyhn\u00fa\u0165. Chronick\u00e9 \u00fa\u010dinky rastu cien vkladov sa naplno prejavia v nasleduj\u00facich \u0161tvr\u0165rokoch, \u010do m\u00f4\u017ee negat\u00edvne ovplyvni\u0165 \u010dist\u00e9 \u00farokov\u00e9 mar\u017ee men\u0161\u00edch finan\u010dn\u00fdch domov.<\/p>\n\n\n\n