{"id":513,"date":"2022-10-16T08:55:23","date_gmt":"2022-10-16T11:55:23","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=513"},"modified":"2023-02-21T23:33:14","modified_gmt":"2023-02-22T02:33:14","slug":"ceos-de-instituicoes-financeiras-estao-cada-vez-mais-pessimistas-sobre-a-economia","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/ceos-de-instituicoes-financeiras-estao-cada-vez-mais-pessimistas-sobre-a-economia\/","title":{"rendered":"Gener\u00e1lni riaditelia finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed s\u00fa \u010doraz pesimistickej\u0161\u00ed, pokia\u013e ide o ekonomiku."},"content":{"rendered":"

Vyhliadky americk\u00e9ho finan\u010dn\u00e9ho syst\u00e9mu a najv\u00e4\u010d\u0161\u00edch b\u00e1nk na Wall Road s\u00fa \u010doraz pochm\u00farnej\u0161ie a mnoh\u00ed vrcholov\u00ed mana\u017e\u00e9ri oznamuj\u00fa, \u017ee sa pripravuj\u00fa na mo\u017en\u00e9 spomalenie alebo recesiu.<\/span><\/p>\n

Po kr\u00e1tkej, ale silnej pandemickej recesii v roku 2020 str\u00e1vili mnoh\u00ed gener\u00e1lni riaditelia b\u00e1nk posledn\u00fdch 12 a pol mesiaca vychva\u013eovan\u00edm sily americkej ekonomiky a odolnosti americk\u00fdch kupuj\u00facich. Mnoh\u00ed tak urobili aj v piatok po zverejnen\u00ed svojich \u0161tvr\u0165ro\u010dn\u00fdch v\u00fdsledkov, tentoraz v\u0161ak s predbe\u017en\u00fdm varovan\u00edm.<\/span><\/p>\n

\u201cOce\u0148ujeme dynamiku moci, ktor\u00e1 sa buduje v r\u00f4znych oblastiach ekonomickej kl\u00edmy a ktor\u00e1 by mohla vies\u0165 k bud\u00facemu stresu,\u201d povedal Andy Cecere, gener\u00e1lny riadite\u013e americkej finan\u010dnej in\u0161tit\u00facie.<\/span><\/p>\n

Tak\u00e1to sp\u00e4tn\u00e1 v\u00e4zba odr\u00e1\u017ea rast\u00face d\u00f4kazy o tom, \u017ee ekonomick\u00e1 kl\u00edma v USA a na celom svete sa oslabuje v d\u00f4sledku medzin\u00e1rodnej infl\u00e1cie a boja na Ukrajine. Medzin\u00e1rodn\u00fd finan\u010dn\u00fd fond v utorok zn\u00ed\u017eil svoju progn\u00f3zu rastu medzin\u00e1rodn\u00fdch finan\u010dn\u00fdch trhov na rok 2023 z 2,9% na 2,7%.<\/span><\/p>\n

V piatok zverejnilo svoje \u0161tvr\u0165ro\u010dn\u00e9 v\u00fdsledky pol tucta b\u00e1nk, od gigantov JPMorgan Chase a Citigroup a\u017e po obrovsk\u00e9 region\u00e1lne banky ako US Financial Institution a PNC Fiscal. V rozhovoroch s novin\u00e1rmi a obchodn\u00edkmi predstavitelia finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed vykreslili rozdvojen\u00fd obraz ekonomickej kl\u00edmy.<\/span><\/p>\n

Na jednej strane pouk\u00e1zali na n\u00edzku mieru zlyhania spl\u00e1tok, vysok\u00e9 v\u00fddavky na n\u00e1kupy a vo\u013eno\u010dasov\u00e9 aktivity medzi klientmi spolo\u010dnosti. Z\u00e1rove\u0148 spomenuli desa\u0165ro\u010dia trvaj\u00facu vysok\u00fa mieru infl\u00e1cie, trh s b\u00fdvan\u00edm, ktor\u00fd sa r\u00fdchlo spoma\u013euje, a Feder\u00e1lny rezervn\u00fd syst\u00e9m, ktor\u00fd zvy\u0161uje ceny mimoriadnym tempom, \u010do e\u0161te viac s\u0165a\u017e\u00ed poskytovanie \u00faverov pre spolo\u010dnosti.<\/span><\/p>\n

\u201cInfl\u00e1cia vrh\u00e1 dlh\u00fd tie\u0148 na bud\u00face vyhliadky t\u00fdchto b\u00e1nk,\u201d zd\u00f4raznil Peter Torrente, ved\u00faci oddelenia bankov\u00e9ho a kapit\u00e1lov\u00e9ho trhu v USA v \u00fa\u010dtovn\u00edckom gigante KPMG.<\/span><\/p>\n

Infl\u00e1cia je u\u017e mesiace stabilne vysok\u00e1, pri\u010dom anal\u00fdza v\u00fddavkov kupuj\u00facich z tohto t\u00fd\u017ed\u0148a uk\u00e1zala n\u00e1rast cien v septembri o 8,21 TP3T v porovnan\u00ed s predch\u00e1dzaj\u00facimi 12 mesiacmi. Predstavitelia Fedu zv\u00fd\u0161ili svoju kr\u00e1tkodob\u00fa sadzbu o tri \u0161tvrtiny percentu\u00e1lneho bodu trikr\u00e1t po sebe, \u010d\u00edm dosiahli 14-ro\u010dn\u00e9 maximum 3,251 TP3T. V bud\u00facnosti sa o\u010dak\u00e1va \u010fal\u0161\u00ed n\u00e1rast o 0,751 TP3T v novembri.<\/span><\/p>\n

Vzh\u013eadom na pochm\u00farnej\u0161\u00ed makroekonomick\u00fd v\u00fdh\u013ead si Citigroup, Wells Fargo a JPMorgan nahromadili zisky vo svojich rezerv\u00e1ch na \u00faverov\u00e9 straty. Tieto rezervy s\u00fa ur\u010den\u00e9 na pokrytie nepochybne nezdrav\u00fdch \u00faverov. Po\u010das pand\u00e9mie banky umiestnili do t\u00fdchto rezerv desiatky mili\u00e1rd dol\u00e1rov, ale v\u00e4\u010d\u0161inu t\u00fdchto prostriedkov uvo\u013enili v roku 2021, \u010do odr\u00e1\u017ea v\u00fdvoj ekonomickej kl\u00edmy.<\/span><\/p>\n

Banky teraz op\u00e4\u0165 posil\u0148uj\u00fa svoje rezervy. JPMorgan vy\u010dlenil pribli\u017ene 1 miliardu USD do svojich rezerv na hypotek\u00e1rne straty, zatia\u013e \u010do Citigroup a Wells v tomto \u0161tvr\u0165roku nav\u00fd\u0161ili svoje rezervy o pribli\u017ene 400 mili\u00f3nov USD. Tempo navy\u0161ovania je pomal\u0161ie ako na za\u010diatku pand\u00e9mie, ke\u010f napr\u00edklad JPMorgan v jednom \u0161tvr\u0165roku nav\u00fd\u0161il svoje rezervy o viac ako 10 mili\u00e1rd USD.<\/span><\/p>\n

Cie\u013eom zv\u00fd\u0161enia v\u00fddavkov Fedu je zmierni\u0165 ekonomick\u00fa kl\u00edmu a zn\u00ed\u017ei\u0165 infl\u00e1ciu. Pravdepodobnos\u0165, \u017ee z\u00e1jde pri\u010faleko a sp\u00f4sob\u00ed recesiu, je hlavn\u00fdm probl\u00e9mom pre ekon\u00f3mov, analytikov Wall Highway a ved\u00facich pracovn\u00edkov finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed.<\/span><\/p>\n

Gener\u00e1lny riadite\u013e spolo\u010dnosti Wells Fargo Charlie Scharf na konferencii obchodn\u00edkom povedal, \u017ee banka o\u010dak\u00e1va oslabenie \u0161ir\u0161\u00edch ekonomick\u00fdch podmienok, \u010do povedie k n\u00e1rastu zlyhan\u00ed spl\u00e1tok a strat\u00e1m \u00faverov\u00e9ho sk\u00f3re.<\/span><\/p>\n

Cecere, gener\u00e1lny riadite\u013e americkej finan\u010dnej in\u0161tit\u00facie, uviedol: \u201cHoci je scen\u00e1r v s\u00fa\u010dasnosti priazniv\u00fd, u\u017e n\u00e1s neprekvap\u00ed, ak uvid\u00edme finan\u010dn\u00e9 spomalenie z nejak\u00e9ho d\u00f4vodu sp\u00f4soben\u00e9ho zn\u00ed\u017eenou \u00farov\u0148ou d\u00f4very, \u010do m\u00f4\u017ee vies\u0165 aj k zn\u00ed\u017eeniu v\u00fddavkov a financovania podnikov.\u201d<\/span><\/p>\n

Gener\u00e1lny riadite\u013e spolo\u010dnosti JPMorgan Chase Jamie Dimon sa v pondelok dostal na tituln\u00e9 str\u00e1nky nov\u00edn, ke\u010f hovoril o \u201cve\u013emi, ve\u013emi v\u00e1\u017enej\u201d kombin\u00e1cii faktorov, ktor\u00e9 by mohli v nasleduj\u00facich \u0161iestich a\u017e deviatich mesiacoch vies\u0165 k recesii.<\/span><\/p>\n

V piatok Dimon hovoril o skuto\u010dnosti, \u017ee \u010ditate\u013enos\u0165 pre americk\u00fdch z\u00e1kazn\u00edkov je st\u00e1le neuverite\u013en\u00e1. Kupuj\u00faci sa sna\u017eia o \u010ditate\u013enos\u0165.<\/span><\/p>\n

\u201cSna\u017e\u00edm sa zos\u00faladi\u0165 jeho koment\u00e1re spred a teraz,\u201d povedal pre Dimon Mike Mayo, analytik spolo\u010dnosti Wells Fargo Securities.<\/span><\/p>\n

Dimon v reakcii na to op\u00edsal s\u00fa\u010dasn\u00e9 ekonomick\u00e9 prostredie ako \u201catypick\u00e9\u201d, ktor\u00e9 odr\u00e1\u017ea realitu, s n\u00edzkou mierou zlyhania a siln\u00fdmi spotrebite\u013esk\u00fdmi v\u00fddavkami napriek infl\u00e1cii. Odhadol v\u0161ak, \u017ee dodato\u010dn\u00e9 \u00faspory, ktor\u00e9 americk\u00e9 dom\u00e1cnosti nahromadili po\u010das pand\u00e9mie, by sa mohli do polovice roka 2023 vy\u010derpa\u0165, ak sa infl\u00e1cia nedostane pod kontrolu.<\/span><\/p>\n

Jedn\u00fdm z prvkov, ktor\u00e9 podporuj\u00fa Dimonove koment\u00e1re, je objem v\u00fddavkov, ktor\u00e9 z\u00e1kazn\u00edci platia svojimi kreditn\u00fdmi kartami. Spolo\u010dnosti Wells Fargo, Citigroup a JPMorgan nazna\u010dili dvojcifern\u00fd n\u00e1rast v\u00fddavkov kupuj\u00facich na bankov\u00e9 karty v porovnan\u00ed s predch\u00e1dzaj\u00facim rokom.<\/span><\/p>\n

Zatia\u013e \u010do ved\u00faci predstavitelia JPMorgan pouk\u00e1zali na to, \u017ee \u010das\u0165 t\u00fdchto v\u00fddavkov by mohla by\u0165 sp\u00f4soben\u00e1 n\u00e1vratom k predpandemick\u00fdm v\u00fddavkov\u00fdm vzorcom, infl\u00e1cia by mohla efekt\u00edvne za\u0165a\u017eova\u0165 rozpo\u010dty dom\u00e1cnost\u00ed.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

As perspectivas para o sistema financeiro dos EUA dos maiores bancos de Wall Road est\u00e3o ficando mais sombrias, com muitos altos executivos anunciando que est\u00e3o se preparando para uma poss\u00edvel desacelera\u00e7\u00e3o ou recess\u00e3o. Ap\u00f3s a curta, por\u00e9m robusta, recess\u00e3o pand\u00eamica em 2020, muitos CEOs de bancos passaram os \u00faltimos 12 meses e meio alardeando a […]<\/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-513","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/513","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=513"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/513\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=513"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}