{"id":79094,"date":"2025-05-19T00:18:48","date_gmt":"2025-05-18T22:18:48","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=79094"},"modified":"2025-05-18T15:32:50","modified_gmt":"2025-05-18T13:32:50","slug":"polske-banky-v-prvnim-ctvrtleti-vykazaly-velke-zisky","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2025\/05\/19\/polske-banky-v-prvnim-ctvrtleti-vykazaly-velke-zisky\/","title":{"rendered":"Polsk\u00e9 banky v prvn\u00edm \u010dtvrtlet\u00ed vyk\u00e1zaly velk\u00e9 zisky"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<h3 class=\"s-tagline fw-tagline\">Polsk\u00e9 banky v prvn\u00edm \u010dtvrtlet\u00ed zv\u00fd\u0161ily zisky a z\u00e1rove\u0148 sn\u00ed\u017eily po\u017eadavky na \u00fav\u011bry<\/h3>\n<p>\u010cist\u00fd finan\u010dn\u00ed v\u00fdsledek polsk\u00fdch bank v obdob\u00ed leden a\u017e b\u0159ezen 2025 dos\u00e1hl 11,77 miliardy zlot\u00fdch (2,76 miliardy eur), co\u017e p\u0159edstavuje meziro\u010dn\u00ed n\u00e1r\u016fst o 16 procent, uvedl polsk\u00fd \u00fa\u0159ad pro finan\u010dn\u00ed dohled (KNF). Jen v b\u0159eznu dos\u00e1hl \u010dist\u00fd v\u00fdsledek 3,6 miliardy zlot\u00fdch (845 milion\u016f eur).<\/p>\n<p>\u201e\u010cist\u00fd finan\u010dn\u00ed v\u00fdsledek na konci b\u0159ezna 2025 \u010dinil 11,8 miliardy PLN. Tento v\u00fdsledek byl o 1,6 miliardy PLN (+16 % meziro\u010dn\u011b) vy\u0161\u0161\u00ed ne\u017e v\u00fdsledek dosa\u017een\u00fd na konci b\u0159ezna 2024. \u010cist\u00fd finan\u010dn\u00ed v\u00fdsledek na m\u011bs\u00ed\u010dn\u00ed b\u00e1zi v b\u0159eznu \u010dinil 3,6 miliardy PLN a byl o 0,6 miliardy PLN (-13,3 % meziro\u010dn\u011b) ni\u017e\u0161\u00ed ne\u017e v\u00fdsledek dosa\u017een\u00fd v p\u0159edchoz\u00edm m\u011bs\u00edci,\u201c uv\u00e1d\u00ed se ve zpr\u00e1v\u011b.<\/p>\n<h2 id=\"how-much-money-did-interest-and-fees-bring-in\" class=\"rb-heading-index-0-140471 wp-block-heading\">Kolik pen\u011bz vynesly \u00faroky a poplatky?<\/h2>\n<p>V obdob\u00ed leden a\u017e b\u0159ezen 2025 dos\u00e1hl \u010dist\u00fd \u00farokov\u00fd v\u00fdnos 27,8 miliardy PLN (+7,2 % meziro\u010dn\u011b), zat\u00edmco \u010dist\u00fd p\u0159\u00edjem z proviz\u00ed dos\u00e1hl 4,94 miliardy PLN (+0,2 % meziro\u010dn\u011b). Provozn\u00ed n\u00e1klady dos\u00e1hly 14,88 miliardy PLN (+12,5 % \u200b\u200bmeziro\u010dn\u011b).<\/p>\n<p>Odpisy (ztr\u00e1ta nebo zru\u0161en\u00ed ztr\u00e1ty ze znehodnocen\u00ed) dos\u00e1hly 1,49 miliardy PLN (-7,2 % meziro\u010dn\u011b).<\/p>\n<p>V prezentaci bylo rovn\u011b\u017e uvedeno, \u017ee ROE bankovn\u00edho sektoru na konci b\u0159ezna leto\u0161n\u00edho roku \u010dinila 15,68 % (oproti 15,57 % o m\u011bs\u00edc d\u0159\u00edve a 12,31 % o rok d\u0159\u00edve), zat\u00edmco ROA dos\u00e1hla 1,29 % (oproti 1,28 %, respektive 0,99 %).<\/p>\n<p>\u010cist\u00e1 \u00farokov\u00e1 mar\u017ee (NIM) \u010dinila na konci b\u0159ezna 3,77 %, oproti 3,79 % o m\u011bs\u00edc d\u0159\u00edve a 3,75 % o rok d\u0159\u00edve.<\/p>\n<p>Na konci prosince 2024 \u010dinily kapit\u00e1lov\u00e9 pom\u011bry sektoru 21,2 procenta (TCR) a 20 procent (T1).<\/p>\n<p>Na konci b\u0159ezna 2025 fungovaly tyto banky: 29 komer\u010dn\u00edch bank, 489 dru\u017estevn\u00edch bank, 33 pobo\u010dek \u00fav\u011brov\u00fdch instituc\u00ed a zahrani\u010dn\u00ed banky.<\/p>\n<h2 id=\"banks-will-ease-credit-granting-criteria\" class=\"rb-heading-index-1-140471 wp-block-heading\">Banky zm\u00edrn\u00ed krit\u00e9ria pro ud\u011blov\u00e1n\u00ed \u00fav\u011br\u016f<\/h2>\n<p>Banky hodlaj\u00ed i ve druh\u00e9m \u010dtvrtlet\u00ed leto\u0161n\u00edho roku pokra\u010dovat v uvol\u0148ov\u00e1n\u00ed krit\u00e9ri\u00ed pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f dom\u00e1cnostem a mal\u00fdm a st\u0159edn\u00edm podnik\u016fm. O\u010dek\u00e1vaj\u00ed tak\u00e9 n\u00e1r\u016fst popt\u00e1vky po v\u0161ech typech \u00fav\u011br\u016f, zejm\u00e9na po spot\u0159ebitelsk\u00fdch, jak vypl\u00fdv\u00e1 z pr\u016fzkumu Polsk\u00e9 n\u00e1rodn\u00ed banky (NBP).<\/p>\n<p>\u201eZm\u011bny v \u00fav\u011brov\u00e9 politice v prvn\u00edm \u010dtvrtlet\u00ed roku 2025 byly relativn\u011b mal\u00e9ho rozsahu. Banky zm\u00edrnily krit\u00e9ria pro poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a \u00fav\u011br\u016f pro sektor mal\u00fdch a st\u0159edn\u00edch podnik\u016f, co\u017e zd\u016fvod\u0148ovaly zejm\u00e9na zv\u00fd\u0161en\u00edm konkuren\u010dn\u00edho tlaku. V p\u0159\u00edpad\u011b \u00fav\u011br\u016f na bydlen\u00ed a pro velk\u00e9 podniky se krit\u00e9ria v\u00fdznamn\u011b nezm\u011bnila. Banky zaznamenaly n\u00e1r\u016fst popt\u00e1vky po spot\u0159ebitelsk\u00fdch \u00fav\u011brech a \u00fav\u011brech pro podniky a pokles popt\u00e1vky po \u00fav\u011brech na bydlen\u00ed,\u201c uv\u00e1d\u00ed studie s n\u00e1zvem \u201eSituace na \u00fav\u011brov\u00e9m trhu. V\u00fdsledky pr\u016fzkumu mezi p\u0159edsedy \u00fav\u011brov\u00fdch v\u00fdbor\u016f za 2. \u010dtvrtlet\u00ed 2025\u201c.<\/p>\n<p>\u201eVe druh\u00e9m \u010dtvrtlet\u00ed roku 2025 hodlaj\u00ed banky pokra\u010dovat v uvol\u0148ov\u00e1n\u00ed krit\u00e9ri\u00ed pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f dom\u00e1cnostem a mal\u00fdm a st\u0159edn\u00edm podnik\u016fm a v p\u0159\u00edpad\u011b velk\u00fdch podnik\u016f je zp\u0159\u00eds\u0148uj\u00ed u kr\u00e1tkodob\u00fdch \u00fav\u011br\u016f. O\u010dek\u00e1vaj\u00ed n\u00e1r\u016fst popt\u00e1vky po v\u0161ech typech \u00fav\u011br\u016f, zejm\u00e9na po spot\u0159ebitelsk\u00fdch,\u201c p\u00ed\u0161e se d\u00e1le ve studii.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-71983\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2025\/02\/aaa.jpg\" alt=\"\" width=\"89\" height=\"23\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Polsk\u00e9 banky v prvn\u00edm \u010dtvrtlet\u00ed zv\u00fd\u0161ily zisky a z\u00e1rove\u0148 sn\u00ed\u017eily po\u017eadavky na \u00fav\u011bry \u010cist\u00fd finan\u010dn\u00ed&#8230;<\/p>\n","protected":false},"author":2,"featured_media":77118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,31,2403],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/79094"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=79094"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/79094\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/77118"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=79094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=79094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=79094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}