{"id":179380,"date":"2026-08-14T12:18:08","date_gmt":"2026-08-14T12:18:08","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/179380\/"},"modified":"2026-08-14T12:18:08","modified_gmt":"2026-08-14T12:18:08","slug":"cnb-potrestala-jednu-z-nejvetsich-ceskych-bank-csob-dostala-pokutu-30-milionu","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/179380\/","title":{"rendered":"\u010cNB potrestala jednu z nejv\u011bt\u0161\u00edch \u010desk\u00fdch bank. \u010cSOB dostala pokutu 30 milion\u016f"},"content":{"rendered":"<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka ulo\u017eila \u010cSOB pokutu 30 milion\u016f korun za nedostatky v n\u011bkter\u00fdch kontroln\u00edch procesech prevence pran\u00ed \u0161pinav\u00fdch pen\u011bz a ov\u011b\u0159ov\u00e1n\u00ed klient\u016f. Vypl\u00fdv\u00e1 to z <a href=\"https:\/\/www.cnb.cz\/cs\/dohled-financni-trh\/vykon-dohledu\/pravomocna-rozhodnuti\/pravomocna-rozhodnuti-cnb-v-rizenich-zahajenych-po-datu-1.1.2009\/\" target=\"_blank\" rel=\"noopener nofollow\">informac\u00ed<\/a> na webu centr\u00e1ln\u00ed banky. Podle vyj\u00e1d\u0159en\u00ed pokutovan\u00e9 banky prov\u011b\u0159ov\u00e1n\u00ed neprok\u00e1zalo \u00fa\u010dast \u010cSOB na pran\u00ed \u0161pinav\u00fdch pen\u011bz ani \u00fajmu z\u00e1kazn\u00edk\u016fm nebo t\u0159et\u00edm stran\u00e1m a v\u0161echny nedostatky byly napraveny.<\/p>\n<p>\u010cNB popsala milionov\u00e9 transakce rizikov\u00fdch klient\u016f<\/p>\n<p>\u201e\u010cSOB tato situace mrz\u00ed, v\u0161echny nedostatky jsme okam\u017eit\u011b napravili a p\u0159ijali rozs\u00e1hl\u00e1 opat\u0159en\u00ed, aby se neopakovaly. Zji\u0161t\u011bn\u00ed se t\u00fdkaj\u00ed star\u0161\u00edho obdob\u00ed a \u0161et\u0159en\u00ed neodhalilo \u017e\u00e1dnou \u00fa\u010dast \u010cSOB na pran\u00ed \u0161pinav\u00fdch pen\u011bz, \u017e\u00e1dn\u00e9mu klientovi ani t\u0159et\u00ed stran\u011b nevznikla \u00fajma a zji\u0161t\u011bn\u00ed nijak nesouvisela s bezpe\u010dnost\u00ed klientsk\u00fdch dat,\u201c sd\u011blil mluv\u010d\u00ed \u010cSOB Petr Milata. Ne\u0161lo podle n\u011bj o \u00famysln\u00e9 jedn\u00e1n\u00ed. \u201eV n\u011bkter\u00fdch d\u00edl\u010d\u00edch ot\u00e1zk\u00e1ch jsme pravidla vykl\u00e1dali odli\u0161n\u011b a rozhodnut\u00ed \u010cNB nyn\u00ed p\u0159in\u00e1\u0161\u00ed jednozna\u010dn\u00fd v\u00fdklad pro jejich dal\u0161\u00ed uplat\u0148ov\u00e1n\u00ed,\u201d dodal.<\/p>\n<p>\u010cNB v rozhodnut\u00ed uvedla, \u017ee \u010cSOB v obdob\u00ed od 1. listopadu 2022 do 21. listopadu 2023 nep\u0159ezkoum\u00e1vala \u00fa\u010del a smysl transakc\u00ed klienta intern\u011b hodnocen\u00e9ho jako \u201cprobl\u00e9mov\u00fd klient\u201e, \u201cneakceptovateln\u00fd klient\u201e, respektive \u201cvysoce rizikov\u00fd klient\u201e, p\u0159i nich\u017e bylo 58 hotovostn\u00edch v\u00fdb\u011br\u016f v souhrnn\u00e9 \u010d\u00e1stce 136,4 milionu korun, 45 tis\u00edc americk\u00fdch dolar\u016f a 3,746 milionu eur a t\u0159i vklady v hotovosti v souhrnn\u00e9 \u010d\u00e1stce 1,485 milionu korun a 258 tis\u00edc americk\u00fdch dolar\u016f.<\/p>\n<p>D\u00e1le nejm\u00e9n\u011b v obdob\u00ed od 1. ledna 2021 do 29. prosince 2023 v pr\u016fb\u011bhu obchodn\u00edho vztahu s klientem, kter\u00fd byl intern\u011b hodnocen jako \u201cvysoce rizikov\u00fd klient\u201e, nezji\u0161\u0165ovala informace o \u00fa\u010delu a zam\u00fd\u0161len\u00e9 povaze obchodn\u00edho vztahu, nezohlednila povahu podnik\u00e1n\u00ed klienta, jeho obchodn\u00ed model a rizikov\u00e9 faktory vypl\u00fdvaj\u00edc\u00ed z jeho \u010dinnosti. Od klienta jako \u00fav\u011brov\u00e9 instituce p\u0159itom nevy\u017eadovala z\u00e1kladn\u00ed vnit\u0159n\u00ed p\u0159edpisy souvisej\u00edc\u00ed s problematikou prevence pran\u00ed pen\u011bz a financov\u00e1n\u00ed terorismu.<\/p>\n<p>Kontroly selhaly i u tis\u00edc\u016f firem se slo\u017eitou vlastnickou strukturou<\/p>\n<p>\u010cSOB v obdob\u00ed od 1. ledna 2021 do 31. prosince 2024 v pr\u016fb\u011bhu obchodn\u00edho vztahu s klientem dostate\u010dn\u011b nezji\u0161\u0165ovala celou vlastnickou a \u0159\u00eddic\u00ed strukturu klienta a zda osoby v cel\u00e9 vlastnick\u00e9 a \u0159\u00eddic\u00ed struktu\u0159e klienta nejsou osobami, v\u016f\u010di nim\u017e \u010cR uplat\u0148uje mezin\u00e1rodn\u00ed sankce, uvedla \u010cNB.<\/p>\n<p>Nejm\u00e9n\u011b od 1. ledna 2023 do 31. prosince 2024 nezavedla \u010cSOB postupy pro uplatn\u011bn\u00ed opat\u0159en\u00ed zes\u00edlen\u00e9 identifikace a kontroly klienta p\u0159ed proveden\u00edm obchodu souvisej\u00edc\u00edho s vysoce rizikov\u00fdmi t\u0159et\u00edmi zem\u011bmi.<\/p>\n<p>Rovn\u011b\u017e k 7. b\u0159eznu 2025 ve sv\u00e9 praxi \u010cSOB nezajistila postup v souladu s vnit\u0159n\u00edm p\u0159edpisem Evidence skute\u010dn\u00fdch majitel\u016f (ESM). V p\u0159\u00edpad\u011b 8 414 klient\u016f pr\u00e1vnick\u00fdch osob se slo\u017eitou nebo komplexn\u00ed vlastnickou strukturou toti\u017e nezji\u0161\u0165ovala, zda se v cel\u00e9 jejich vlastnick\u00e9 nebo \u0159\u00eddic\u00ed struktu\u0159e nenach\u00e1z\u00ed osoba, v\u016f\u010di n\u00ed\u017e \u010cR uplat\u0148uje mezin\u00e1rodn\u00ed sankce, vypl\u00fdv\u00e1 z rozhodnut\u00ed \u010cNB.<\/p>\n<p>Do skupiny \u010cSOB pat\u0159\u00ed \u010cSOB, Hypote\u010dn\u00ed banka, \u010cSOB Stavebn\u00ed spo\u0159itelna, \u010cSOB Penzijn\u00ed spole\u010dnost, \u010cSOB Leasing a \u010cSOB Factoring. \u010cSOB je sou\u010d\u00e1st\u00ed mezin\u00e1rodn\u00ed bankovn\u00ed a poji\u0161\u0165ovac\u00ed skupiny KBC, kter\u00e1 aktivn\u011b p\u016fsob\u00ed v Belgii a zem\u00edch st\u0159edn\u00ed a v\u00fdchodn\u00ed Evropy.<\/p>\n","protected":false},"excerpt":{"rendered":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka ulo\u017eila \u010cSOB pokutu 30 milion\u016f korun za nedostatky v n\u011bkter\u00fdch kontroln\u00edch procesech prevence pran\u00ed \u0161pinav\u00fdch&hellip;\n","protected":false},"author":2,"featured_media":179381,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[10],"tags":[11611,3911,9429,17,21,16,703,22586,42970,2216,18,19,22,20],"class_list":["post-179380","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zpravy","tag-banka","tag-ceska-narodni-banka","tag-ceskoslovenska-obchodni-banka","tag-headlines","tag-hlavni-udalosti","tag-news","tag-penize","tag-prani","tag-prani-spinavych-penez","tag-prevence","tag-top-news","tag-top-stories","tag-udalosti-dne","tag-zpravy"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117093826906793440","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/179380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=179380"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/179380\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/179381"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=179380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=179380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=179380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}