{"id":524,"date":"2022-10-21T09:02:09","date_gmt":"2022-10-21T12:02:09","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=524"},"modified":"2023-02-21T23:33:15","modified_gmt":"2023-02-22T02:33:15","slug":"bancos-dos-eua-se-beneficiam-de-aumentos-de-despesas-do-fed-enquanto-mantem-o-passatempo-de-deposito-baixo","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/bancos-dos-eua-se-beneficiam-de-aumentos-de-despesas-do-fed-enquanto-mantem-o-passatempo-de-deposito-baixo\/","title":{"rendered":"Americk\u00e9 banky profituj\u00fa zo zvy\u0161ovania v\u00fddavkov Fedu a z\u00e1rove\u0148 udr\u017eiavaj\u00fa n\u00edzke \u00farokov\u00e9 sadzby vkladov."},"content":{"rendered":"<p><span>Najv\u00e4\u010d\u0161ie americk\u00e9 banky profituj\u00fa z kampane Feder\u00e1lneho rezervn\u00e9ho syst\u00e9mu na zv\u00fd\u0161enie \u00farokov\u00fdch sadzieb pre klientov, pri\u010dom si \u00fa\u010dtuj\u00fa viac za spotrebite\u013esk\u00e9 \u00favery a za\u0165a\u017euj\u00fa firemn\u00e9 \u00faverov\u00e9 sk\u00f3re bez toho, aby z\u00e1kazn\u00edkom pon\u00fakali ove\u013ea vy\u0161\u0161ie sadzby na vklady.<\/span><\/p>\n<p><span>Mlad\u00ed veritelia spolu s JPMorgan Chase, Citigroup a Wells Fargo v piatok jasne uviedli, \u017ee agres\u00edvna politika tejto k\u013e\u00fa\u010dovej finan\u010dnej in\u0161tit\u00facie by ich z dlhodob\u00e9ho h\u013eadiska mohla st\u00e1\u0165 peniaze, a to zv\u00fd\u0161en\u00edm rezerv na zn\u00e1me \u00faverov\u00e9 straty v d\u00f4sledku spomalenia hospod\u00e1rstva.<\/span><\/p>\n<p><span>D\u00f4sledky pre banky boli zmiernen\u00e9 prostredn\u00edctvom \u00farokovej mzdy na internete \u2013 zmeny v tom, \u010do platia za vklady a zar\u00e1baj\u00fa na \u00faveroch a in\u00fdch akt\u00edvach. JPMorgan uviedol, \u017ee \u010dist\u00fd zisk v tre\u0165om \u0161tvr\u0165roku dosiahol 17,6 miliardy USD, \u010do predstavuje n\u00e1rast o 34 mili\u00e1rd oproti roku 2012 a nov\u00fd zoznam pre finan\u010dn\u00fa in\u0161tit\u00faciu. Wells a Citi vyk\u00e1zali svoje najlep\u0161ie \u010d\u00edsla \u010dist\u00e9ho \u00farokov\u00e9ho sadzby od roku 2019.<\/span><\/p>\n<p><span>Z\u00e1rove\u0148 banky zaznamen\u00e1vaj\u00fa zv\u00fd\u0161en\u00fd dopyt po mnoh\u00fdch \u00faverov\u00fdch produktoch, ke\u010f\u017ee agent\u00fary vyu\u017e\u00edvaj\u00fa nap\u00e4tie v kreditnom sk\u00f3re na hromadenie z\u00e1sob a z\u00e1kazn\u00edci si ber\u00fa p\u00f4\u017ei\u010dky prostredn\u00edctvom kreditn\u00fdch kariet.<\/span><\/p>\n<p><span>\u201cKe\u010f sa v\u0161etko potvrd\u00ed a zrealizuje, ver\u00edme, \u017ee n\u00e1\u0161 kompozitn\u00fd ukazovate\u013e by mal by\u0165 kontroln\u00fdm \u0161tvr\u0165rokom pre tr\u017eby z internetovej aktivity,\u201d povedal bankov\u00fd analytik Barclays Jason Goldberg o 20 najv\u00e4\u010d\u0161\u00edch americk\u00fdch bank\u00e1ch pod\u013ea trhovej kapitaliz\u00e1cie.<\/span><\/p>\n<p><span>JPMorgan aj Wells zv\u00fd\u0161ili svoje celoro\u010dn\u00e9 \u00fadaje o \u010distom \u00faroku z pr\u00edjmu (NII): JPMorgan teraz predpoved\u00e1, \u017ee jeho \u010dist\u00fd \u00farok z pr\u00edjmu, okrem div\u00edzie n\u00e1kupu a predaja, vzrastie v t\u00fdchto 12 mesiacoch pribli\u017ene o 381 TP3 bili\u00f3nov dol\u00e1rov, zatia\u013e \u010do Wells predpoved\u00e1 medziro\u010dn\u00fd n\u00e1rast o 24 percent. Citi ponechala svoje tipy nezmenen\u00e9 a o\u010dak\u00e1va, \u017ee \u010dist\u00fd \u00farok z pr\u00edjmu v \u0161tvrtom \u0161tvr\u0165roku vzrastie o 1,5 miliardy dol\u00e1rov na 1,8 miliardy dol\u00e1rov.<\/span><\/p>\n<p><span>\u201cMysl\u00edm si, \u017ee vo v\u0161etk\u00fdch troch pr\u00edpadoch je rozumn\u00e9 poveda\u0165, \u017ee z\u00e1robky z online kon\u00ed\u010dkov prekro\u010dili na\u0161e o\u010dak\u00e1vania a prekro\u010dili o\u010dak\u00e1vania na ulici,\u201d poznamenal Chris Kotowski, analytik spolo\u010dnosti Oppenheimer v New Yorku.<\/span><\/p>\n<p><span>Sankcie Fedu za zl\u00e9 zaistenie m\u00f4\u017eu pr\u00eds\u0165 nesk\u00f4r. Zv\u00fd\u0161en\u00edm svojich referen\u010dn\u00fdch v\u00fddavkov na zaistenie z takmer nuly v marci na cie\u013eov\u00fd rozsah 3% a\u017e 3,25% t\u00e1to k\u013e\u00fa\u010dov\u00e1 finan\u010dn\u00e1 in\u0161tit\u00facia zn\u00e1sobila pravdepodobnos\u0165 recesie. Finan\u010dn\u00e9 kr\u00edzy s\u00fa pre banky zradn\u00e9, preto\u017ee straty z hypot\u00e9k sa zvy\u010dajne zvy\u0161uj\u00fa a v\u00fddavky klesaj\u00fa.<\/span><\/p>\n<p><span>Hoci banky vyu\u017eili \u0161tvr\u0165rok na vy\u010dlenenie v\u00e4\u010d\u0161ieho mno\u017estva prostriedkov na pokrytie \u00faverov\u00fdch str\u00e1t, vo svojich strat\u00e9gi\u00e1ch na prekonanie ak\u00e9hoko\u013evek spomalenia zaujali aj optimistick\u00fd t\u00f3n.<\/span><\/p>\n<p><span>\u201cV recesii by sme mali relat\u00edvne dobr\u00e9 v\u00fdnosy,\u201d povedal analytikom \u0161\u00e9f vl\u00e1dy JPMorgan Jamie Dimon.<\/span><\/p>\n<p><span>\u00daverov\u00e1 aktivita rastie v \u010dase, ke\u010f poplatky za investi\u010dn\u00e9 bankovn\u00edctvo su\u017euje dramatick\u00fd pokles v oblasti obchodovania. V JPMorgan klesli platy v investi\u010dnom bankovn\u00edctve medziro\u010dne o 431 t\/3 t na 1,7 miliardy USD, zatia\u013e \u010do v Citi klesli sadzby o 641 t\/3 t na 631 mili\u00f3nov USD.<\/span><\/p>\n<p><span>\u201cVid\u00edte neuverite\u013en\u00fd \u0165ah zo strany hlavn\u00e9ho bankov\u00e9ho sektora, ktor\u00fd je zmiernen\u00fd protivetrom zo strany bankov\u00e9ho sektora Wall Highway,\u201d povedal Mike Mayo, bankov\u00fd analytik spolo\u010dnosti Wells Fargo, ke\u010f sa o tomto sektore vyjadroval v\u0161eobecne.<\/span><\/p>\n<p><span>Ot\u00e1zkou, ktorej banky \u010delia, je, \u010di si m\u00f4\u017eu na\u010falej u\u017e\u00edva\u0165 v\u00fdhodn\u00e9 \u201cdepozitn\u00e9 beta koeficienty\u201d, ktor\u00e9 meraj\u00fa, ak\u00fa \u010das\u0165 rast\u00faceho momentu cien akci\u00ed amat\u00e9rskych investorov finan\u010dn\u00e1 in\u0161tit\u00facia o\u010dak\u00e1va, \u017ee prenesie na kupuj\u00facich s \u00faro\u010den\u00fdm dlhom. Vklady s\u00fa pre banky zvy\u010dajne najlacnej\u0161\u00edm zdrojom financovania.<\/span><\/p>\n<p><span>Sofistikovanej\u0161\u00ed spotrebitelia, podobne ako korpor\u00e1cie a pe\u0148a\u017en\u00e9 in\u0161tit\u00facie, s v\u00e4\u010d\u0161ou pravdepodobnos\u0165ou nasmeruj\u00fa svoje vklady do invest\u00edci\u00ed s vy\u0161\u0161\u00edm v\u00fdnosom, ke\u010f sa zv\u00fd\u0161ia n\u00e1klady na hobby aktivity. Firemn\u00e9 vklady v JPMorgan, Citi a Wells sa pod\u013ea regula\u010dn\u00fdch dokumentov za posledn\u00fdch 12 mesiacov zn\u00ed\u017eili o takmer 120 mili\u00e1rd USD.<\/span><\/p>\n<p><span>Vzh\u013eadom na men\u0161ie retailov\u00e9 bankovn\u00edctvo Citi v porovnan\u00ed s jej konkurentmi je viac z\u00e1visl\u00e1 od vkladov od firemn\u00fdch klientov, ktor\u00ed s\u00fa citlivej\u0161\u00ed na hodnotu. \u010cist\u00e1 \u00farokov\u00e1 mar\u017ea Citi klesla na 1,99% z 2,31% v minulom roku.<\/span><\/p>\n<p><span>Hlavn\u00fd ekonomick\u00fd riadite\u013e JPMorgan Jeremy Barnum informoval analytikov, \u017ee bety vkladov s\u00fa n\u00edzke v\u010faka historick\u00fdm po\u017eiadavk\u00e1m, \u010diasto\u010dne v d\u00f4sledku r\u00fdchlosti zvy\u0161ovania sadzieb Fedom. Okrem toho, \u017ee ide o deti, nieko\u013eko bankov\u00fdch mana\u017e\u00e9rov varovalo, \u017ee v niektor\u00fdch pr\u00edpadoch sa sadzby vkladov \u010falej zv\u00fd\u0161ia v s\u00falade so \u0161ir\u0161\u00edmi sadzbami pre amat\u00e9rov.<\/span><\/p>\n<p><span>\u201cKe\u010f Fed prestane zvy\u0161ova\u0165 sadzby, ceny vkladov za\u010dn\u00fa r\u00e1s\u0165 s oneskoren\u00edm,\u201d povedal finan\u010dn\u00fd riadite\u013e spolo\u010dnosti Wells Mike Santomassimo na konferen\u010dnom hovore o hospod\u00e1rskych v\u00fdsledkoch banky. \u201cJe to jednoducho norm\u00e1lne a o\u010dak\u00e1van\u00e9.\u201d&nbsp;<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Os maiores bancos dos EUA est\u00e3o lucrando com a campanha do Federal Reserve para aumentar as taxas de passatempo, cobrando mais por empr\u00e9stimos ao consumidor e tens\u00f5es corporativas de pontua\u00e7\u00e3o de cr\u00e9dito sem oferecer aos clientes taxas muito mais altas sobre dep\u00f3sitos. jovens, os principais credores junto com JPMorgan Chase, Citigroup e Wells Fargo deixaram [&hellip;]<\/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-524","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/524","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=524"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/524\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=524"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}