O\u010dak\u00e1va sa, \u017ee bankov\u00fd sektor si tento rok udr\u017e\u00ed stabiln\u00fa poz\u00edciu napriek o\u010dak\u00e1van\u00e9mu n\u00e1rastu nespl\u00e1can\u00fdch \u00faverov (NPL) a pomal\u0161iemu rastu osobn\u00fdch \u00faverov, ke\u010f\u017ee infla\u010dn\u00e9 tlaky a nepriazniv\u00e9 faktory sa zintenz\u00edv\u0148uj\u00fa.<\/p>\n
Bankov\u00ed analytici poznamenali, \u017ee sa o\u010dak\u00e1va, \u017ee nespl\u00e1can\u00e9 \u00favery sa v porovnan\u00ed s koncom roka zv\u00fd\u0161ia, ke\u010f\u017ee infl\u00e1cia tlm\u00ed spotrebite\u013esk\u00e9 v\u00fddavky a ovplyv\u0148uje konjunktur\u00e1lne charakteristiky podnikov.<\/p>\n
Ekon\u00f3movia o\u010dak\u00e1vaj\u00fa, \u017ee miera infl\u00e1cie zostane tento rok medzi 3% a 3,3%, pri\u010dom v bud\u00facnosti d\u00f4jde k \u010fal\u0161iemu n\u00e1rastu n\u00e1kladov na aktivitu.<\/p>\n
Glob\u00e1lna infl\u00e1cia meran\u00e1 indexom spotrebite\u013esk\u00fdch cien sa v j\u00fali tohto roku medziro\u010dne zv\u00fd\u0161ila na 4,41 TP3T v porovnan\u00ed s 3,41 TP3T v j\u00fani, najm\u00e4 v d\u00f4sledku zv\u00fd\u0161enia cien jed\u00e1l a nealkoholick\u00fdch n\u00e1pojov. Jadrov\u00e1 infl\u00e1cia dosiahla v j\u00fali medziro\u010dne 3,41 TP3T v porovnan\u00ed s 31 TP3T v j\u00fani.<\/p>\n
Liew Chee Yoong, odborn\u00fd asistent financi\u00ed na americkej \u0161kole v Malajzii a z\u00e1rove\u0148 analytik v Centre for Market Training, pre StarBiz povedal, \u017ee o\u010dak\u00e1va, \u017ee po\u010det nespl\u00e1can\u00fdch \u00faverov ku koncu roka vzrastie, ak bude infl\u00e1cia na\u010falej r\u00e1s\u0165.<\/p>\n
Poznamenal, \u017ee rast\u00faca infl\u00e1cia by utlmila v\u00fddavky z\u00e1kazn\u00edkov a zn\u00ed\u017eila zisky. Poznamenal, \u017ee ke\u010f klesn\u00fa zisky, schopnos\u0165 agent\u00far spl\u00e1ca\u0165 dlhy prev\u00e1dzkovate\u013eov by sa mohla zn\u00ed\u017ei\u0165.<\/p>\n
Poznamenal, \u017ee to zvy\u0161uje objem nespl\u00e1can\u00fdch \u00faverov a \u017ee rast\u00faca miera infl\u00e1cie \u010falej zni\u017euje disponibiln\u00e9 v\u00fddavky \u013eud\u00ed, ako aj obeh pe\u0148az\u00ed dostupn\u00fdch na s\u00fakromn\u00e9 pou\u017eitie.<\/p>\n
Liew poznamenal, \u017ee ke\u010f sa niekomu zn\u00ed\u017ei pe\u0148a\u017en\u00fd tok, zni\u017euje sa t\u00fdm schopnos\u0165 dospelej osoby spl\u00e1ca\u0165 dlhy, a n\u00e1sledne sa zvy\u0161uje po\u010det nespl\u00e1can\u00fdch \u00faverov (NPL).<\/span><\/p>\n O\u010dak\u00e1va, \u017ee n\u00e1klady na jednod\u0148ov\u00e9 zaistenie (OPR) sa zv\u00fd\u0161ia o 25 b\u00e1zick\u00fdch bodov (bps), ak bude infl\u00e1cia tento rok na\u010falej r\u00e1s\u0165.<\/span><\/p>\n \u201cAk sa to stane, mohlo by to zv\u00fd\u0161i\u0165 n\u00e1klady na p\u00f4\u017ei\u010dky a rast hypotek\u00e1rnych \u00faverov zo strany bankov\u00fdch zariaden\u00ed by mohol by\u0165 negat\u00edvne ovplyvnen\u00fd zv\u00fd\u0161en\u00fdmi sadzbami \u00faverov.\u201c.<\/span><\/p>\n \u201cKe\u010f sa n\u00e1klady na p\u00f4\u017ei\u010dky zv\u00fd\u0161ia, dopyt po bankov\u00fdch \u00faveroch kles\u00e1, preto\u017ee skupiny a jednotlivci, ktor\u00ed s\u00fa ochotn\u00ed podst\u00fapi\u0165 v\u00e4\u010d\u0161ie riziko, rad\u0161ej investuj\u00fa z\u00edskan\u00e9 peniaze do produktov s \u00farokovou sadzbou aktivity, ktor\u00e9 im m\u00f4\u017eu prinies\u0165 lep\u0161ie v\u00fdnosy v d\u00f4sledku n\u00e1rastu cien kon\u00ed\u010dkov, pri\u010dom rad\u0161ej ber\u00fa osobn\u00fa p\u00f4\u017ei\u010dku a lep\u0161ie platia za svoje kon\u00ed\u010dky na svojich \u00fa\u010dtoch,\u201d povedal Liew.<\/span><\/p>\n Rast hypot\u00e9k komer\u010dn\u00fdch b\u00e1nk sa na\u010falej zlep\u0161oval z 5,6% na konci j\u00fana na 5,9% na konci j\u00fala. Podnikov\u00e9 \u00favery vzr\u00e1stli za prv\u00fdch sedem mesiacov tohto roka o 3%.<\/span><\/p>\n V s\u00fa\u010dasnom podan\u00ed agent\u00fary Moody's s odkazom na infl\u00e1ciu by kupuj\u00faci viedli k vy\u0161\u0161\u00edm \u00farokov\u00fdm sadzb\u00e1m, \u010d\u00edm by sa zv\u00fd\u0161ili \u010dist\u00e9 mar\u017ee b\u00e1nk z kraj\u00edn ASEAN. Povedal, \u017ee by sa zv\u00fd\u0161ili aj rizik\u00e1 mlad\u00fdch akt\u00edv a mierne by sa zv\u00fd\u0161il po\u010det probl\u00e9mov\u00fdch \u00faverov.<\/span><\/p>\n Wong Yin Ching, spoluriadite\u013e rebr\u00ed\u010dkov pe\u0148a\u017en\u00fdch in\u0161tit\u00faci\u00ed v spolo\u010dnosti RAM Bhd, uviedol, \u017ee v druhom \u0161tvr\u0165roku do\u0161lo v najnov\u0161om kole ekonomick\u00fdch vplyvov na bankov\u00fd sektor k n\u00e1rastu \u010dist\u00fdch \u00farokov\u00fdch sadzieb (NIM), \u010domu napomohol aj n\u00e1rast prev\u00e1dzkov\u00fdch \u00farokov\u00fdch sadzieb (OPR) o 25 b\u00e1zick\u00fdch bodov v m\u00e1ji. .<\/span><\/p>\n \u010cist\u00e1 mar\u017ea (NIM) je mierou rozdielu medzi ziskami z kon\u00ed\u010dkov vytvoren\u00fdmi s pomocou b\u00e1nk a ziskami z aktiv\u00edt vyplaten\u00fdmi vkladate\u013eom. Ove\u013ea \u0161ir\u0161ia NIM nazna\u010duje vy\u0161\u0161ie zisky pre banky.<\/span><\/p>\n Celkov\u00e1 \u010dist\u00e1 \u00farokov\u00e1 sadzba (NIM) \u00f4smich vybran\u00fdch lok\u00e1lnych bankov\u00fdch firiem poisten\u00fdch spolo\u010dnos\u0165ou RAM vzr\u00e1stla v porovnan\u00ed s predch\u00e1dzaj\u00facim \u0161tvr\u0165rokom o 5 b\u00e1zick\u00fdch bodov na 2,33%.<\/span><\/p>\n O\u010dak\u00e1va sa, \u017ee mar\u017ee spomenut\u00e9 spolo\u010dnos\u0165ou Wong sa e\u0161te viac zv\u00fd\u0161ia v d\u00f4sledku 25-b\u00e1zick\u00e9ho zv\u00fd\u0161enia v j\u00fali a o\u010dak\u00e1van\u00ed spolo\u010dnosti o dvoch v\u00e4\u010d\u0161\u00edch zv\u00fd\u0161eniach (ka\u017ed\u00e9 o 25 b\u00e1zick\u00fdch bodov) pre oblas\u0165 vo\u013en\u00e9ho \u010dasu v roku 2022.<\/span><\/p>\n \u201cHoci vy\u0161\u0161ia \u00faverov\u00e1 aktivita m\u00f4\u017ee tie\u017e do istej miery zmierni\u0165 dopyt po \u00faveroch, nemus\u00ed to v\u00fdrazne naru\u0161i\u0165 s\u00fa\u010dasn\u00fd hypotek\u00e1rny boom. Poskytovanie \u00faverov sa zr\u00fdchlilo v\u010faka robustnej medziro\u010dnej \u00farokovej sadzbe 5,91 TP3T v j\u00fali 2022, \u010diasto\u010dne v\u010faka n\u00edzkemu b\u00e1zick\u00e9mu efektu, ke\u010f\u017ee krajina sa za posledn\u00fdch 12 mesiacov zotavila z pr\u00edsneho lockdownu.\u201c.<\/span><\/p>\n \u201cZachov\u00e1vame na\u0161u predch\u00e1dzaj\u00facu konzervat\u00edvnu progn\u00f3zu rastu \u00faverov z 4,5% na 5% v roku 2022,\u201d povedal Wong.<\/span><\/p>\n Pokia\u013e ide o zlep\u0161en\u00fd pr\u00edlev akt\u00edv, uviedla, \u017ee rast\u00faca infla\u010dn\u00e1 sila a vy\u0161\u0161ie spl\u00e1tky \u00faverov preveria schopnos\u0165 niektor\u00fdch dl\u017en\u00edkov spl\u00e1ca\u0165 \u00favery po skon\u010den\u00ed platnosti rozsiahlych regula\u010dn\u00fdch opatren\u00ed.<\/span><\/p>\n \u013dudia v citliv\u00fdch podnikate\u013esk\u00fdch sektoroch, korpor\u00e1ci\u00e1ch s ni\u017e\u0161\u00edmi mzdami a v sektore mal\u00fdch a stredn\u00fdch komer\u010dn\u00fdch podnikov m\u00f4\u017eu ma\u0165 v\u00e4\u010d\u0161ie probl\u00e9my. Napriek tomu spomenula, \u017ee cielen\u00e9 \u00faverov\u00e9 poradenstvo s pomocou b\u00e1nk je na\u010falej k dispoz\u00edcii pre klientov s dosiahnute\u013enou hodnotou.<\/span><\/p>\n Po dosiahnut\u00ed vrcholu 28% v decembri 2021 klesol spolo\u010dn\u00fd podiel asistovan\u00fdch \u00faverov pre osem b\u00e1nk v j\u00fali 2022 drasticky na pribli\u017ene 5%. Do konca roka to bolo 2,2% (koniec j\u00fana 2022: 1,79%), \u010do je st\u00e1le v \u0161t\u00e1diu procesu,\u201d povedal Wong.<\/span><\/p>\n \u201cZatia\u013e \u010do pretrv\u00e1vaj\u00faca vysok\u00e1 medzin\u00e1rodn\u00e1 infl\u00e1cia a n\u00e1sledn\u00e9 agres\u00edvne zvy\u0161ovanie n\u00e1kladov na hobby zo strany k\u013e\u00fa\u010dov\u00fdch medzin\u00e1rodn\u00fdch b\u00e1nk vrhn\u00fa tie\u0148 na potenci\u00e1l finan\u010dn\u00e9ho rastu, ziskovos\u0165 malajzijsk\u00fdch b\u00e1nk by mala zosta\u0165 nedotknut\u00e1.\u201c.<\/span><\/p>\n \u201cO\u010dak\u00e1van\u00fd rast mar\u017e\u00ed a zn\u00ed\u017een\u00e9 n\u00e1klady na tvorbu rezerv pom\u00f4\u017eu zlep\u0161i\u0165 efekt\u00edvnos\u0165 zisku b\u00e1nk, zatia\u013e \u010do slab\u0161ie n\u00e1kupy a predaje, investi\u010dn\u00e9 pr\u00edjmy a jedin\u00fd Cukai Makmur niektor\u00e9 z t\u00fdchto pozit\u00edvnych aspektov vykompenzuj\u00fa,\u201d povedal Wong.<\/span><\/p>\n Thor Boon Lee, riadite\u013e pre riadenie riz\u00edk v banke OCBC (M) Bhd, pouk\u00e1zal na to, \u017ee o\u010dak\u00e1va n\u00e1rast nespl\u00e1can\u00fdch \u00faverov, ale nemus\u00ed to by\u0165 efekt\u00edvne kv\u00f4li infl\u00e1cii, ale aj kv\u00f4li obnoveniu spl\u00e1tkov\u00fdch programov s\u00favisiacich s pand\u00e9miou Covid-19, ktor\u00e1 m\u00f4\u017ee sp\u00f4sobi\u0165, \u017ee niektor\u00ed si nebud\u00fa m\u00f4c\u0165 dovoli\u0165 spl\u00e1ca\u0165 osobn\u00e9 p\u00f4\u017ei\u010dky.<\/span><\/p>\n Pokia\u013e ide o osobn\u00e9 p\u00f4\u017ei\u010dky, spomenul, \u017ee v prostred\u00ed rast\u00facich \u00farokov\u00fdch sadzieb pre amat\u00e9rov by mohol by\u0165 dopyt po p\u00f4\u017ei\u010dk\u00e1ch ovplyvnen\u00fd a mohol by sa do istej miery zmierni\u0165. Povedal, \u017ee by to mohlo ma\u0165 vplyv aj na zr\u00fdchlenie spl\u00e1cania.<\/span><\/p>\n Pokia\u013e ide o NIM, Thor uviedol, \u017ee bude ovplyvnen\u00e1 \u00fapravou OPR vr\u00e1tane o\u010dak\u00e1vania, \u017ee OPR sa zv\u00fd\u0161i, \u010do by prirodzene viedlo k znepokojuj\u00facemu NIM inteligentn\u00fdm sp\u00f4sobom.<\/span><\/p>\n Liew zo Spojen\u00fdch \u0161t\u00e1tov uviedol, \u017ee \u010dist\u00e1 mar\u017ea by sa mohla zn\u00ed\u017ei\u0165, ak by n\u00e1klady na hobby na\u010falej r\u00e1stli, s v\u00fdnimkou konca roka, a to v d\u00f4sledku zn\u00ed\u017eenia dopytu po bankov\u00fdch \u00faveroch. T\u00e1to z\u013eava by zn\u00ed\u017eila pr\u00edjmy b\u00e1nk z hobby a n\u00e1klady na akt\u00edva z be\u017en\u00e9ho pr\u00edjmu, najm\u00e4 objem bankov\u00fdch \u00faverov, ktor\u00e9 sa poskytuj\u00fa dl\u017en\u00edkom.<\/span><\/p>\n \u201cZv\u00fd\u0161enie poplatkov za hobby prostredn\u00edctvom finan\u010dnej in\u0161tit\u00facie Negara zn\u00ed\u017ei dopyt po bankov\u00fdch \u00faveroch zo strany skup\u00edn a jednotlivcov, ke\u010f\u017ee poplatky za financovanie sa stan\u00fa drah\u0161\u00edmi. Napriek tomu by banky mali na\u010falej plati\u0165 poplatky za hobby vkladate\u013eom, ktor\u00ed sa vyh\u00fdbaj\u00fa riziku a uprednost\u0148uj\u00fa vkladanie svojich pe\u0148az\u00ed do b\u00e1nk v \u010dasoch finan\u010dnej neistoty, ako je t\u00e1, ktor\u00fa za\u017e\u00edvame teraz. To v\u0161etko prispieva k zn\u00ed\u017eeniu \u010distej \u00farokovej miery b\u00e1nk,\u201d uviedol.<\/span><\/p>\n Liew predpoved\u00e1 v nasleduj\u00facich 12 mesiacoch v\u00e1\u017ene v\u00fdzvy pre lok\u00e1lne bankovn\u00edctvo. Energetick\u00e1 kr\u00edza, ktorej \u010delia eur\u00f3pske medzin\u00e1rodn\u00e9 trhy, pod\u013ea neho zv\u00fd\u0161i pravdepodobnos\u0165 extr\u00e9mnej recesie v Eur\u00f3pe.<\/span><\/p>\n Poznamenal, \u017ee by to malo ved\u013eaj\u0161\u00ed \u00fa\u010dinok na \u00e1zijsk\u00e9 trhy a negat\u00edvne by to ovplyvnilo bankov\u00e9 podniky v \u00c1zii, ako aj v Malajzii.<\/span><\/p>\n \u201cV\u00fddavky spolo\u010dnost\u00ed a kupuj\u00facich sa m\u00f4\u017eu \u010falej zn\u00ed\u017ei\u0165 v d\u00f4sledku tohto efektu prelievania, okrem infla\u010dn\u00e9ho tlaku, ktor\u00e9mu krajina \u010del\u00ed. To by mohlo \u010falej utlmi\u0165 boom v oblasti \u00faverov a \u010distej mar\u017ee z komer\u010dn\u00e9ho bankovn\u00edctva v tejto krajine. V\u00fdh\u013ead bankov\u00e9ho sektora v roku 2022 je \u010dasto n\u00e1ro\u010dn\u00fd.\u201c.<\/span><\/p>\n \u201cStagfl\u00e1cia (infl\u00e1cia a spomalenie finan\u010dn\u00e9ho syst\u00e9mu), ktor\u00e1 m\u00f4\u017ee by\u0165 sp\u00f4soben\u00e1 vonkaj\u0161ou finan\u010dnou n\u00e1kazou, zost\u00e1va obrovsk\u00fdm rizikom pre tento sektor v kr\u00e1tkodobom a strednodobom horizonte. Priemyseln\u00e9 banky by mali vykon\u00e1va\u0165 dodato\u010dn\u00e9 stresov\u00e9 kontroly, aby sa uistili, \u017ee maj\u00fa dostato\u010dn\u00fd kapit\u00e1l na pre\u017eitie tejto mo\u017enosti,\u201d povedal Liew.<\/span><\/p>\n Medzit\u00fdm v\u00fdskumn\u00e1 spolo\u010dnos\u0165 CGS-CIMB opakuje svoj takzvan\u00fd \u201cobezitn\u00fd\u201d v\u00fdh\u013ead v tejto oblasti, pri\u010dom schopnosti reklasifik\u00e1cie katalyz\u00e1tora poved\u00fa k v\u00fdrazn\u00e9mu n\u00e1rastu z\u00e1robkov z internetov\u00fdch kon\u00ed\u010dkov v rokoch 2022 \u2013 2023, \u010do je podporen\u00e9 siln\u00fdm boomom osobn\u00fdch \u00faverov a n\u00e1rastom OPR a klesaj\u00facim trendom tvorby opravn\u00fdch polo\u017eiek na pochybn\u00e9 poh\u013ead\u00e1vky. Anal\u00fdza predpoklad\u00e1, \u017ee hypotek\u00e1rny boom sa v roku 2022 zv\u00fd\u0161i na 5% a\u017e 6%.<\/span><\/p>","protected":false},"excerpt":{"rendered":" Espera-se que o setor banc\u00e1rio se mantenha, apesar de um aumento esperado nos empr\u00e9stimos inadimplentes (NPLs) e um aumento mais lento dos empr\u00e9stimos pessoais este ano, \u00e0 medida que as press\u00f5es inflacion\u00e1rias e os ventos contr\u00e1rios aumentam. Espera-se que os NPLs aumentem em oposi\u00e7\u00e3o \u00e0 conclus\u00e3o do ano, \u00e0 medida que a infla\u00e7\u00e3o amortece os […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-335","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/335","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=335"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/335\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=335"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=335"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=335"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}