{"id":187445,"date":"2026-08-21T19:33:10","date_gmt":"2026-08-21T19:33:10","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/187445\/"},"modified":"2026-08-21T19:33:10","modified_gmt":"2026-08-21T19:33:10","slug":"dve-emise-za-par-mesicu-trinity-bank-vysvetluje-proc-potrebuje-dalsi-miliardy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/187445\/","title":{"rendered":"Dv\u011b emise za p\u00e1r m\u011bs\u00edc\u016f. Trinity Bank vysv\u011btluje, pro\u010d pot\u0159ebuje dal\u0161\u00ed miliardy"},"content":{"rendered":"

Trinity Bank letos ve dvou rychle po sob\u011b jdouc\u00edch emis\u00edch akci\u00ed z\u00edskala t\u00e9m\u011b\u0159 2,8\u00a0miliardy korun nov\u00e9ho kapit\u00e1lu. Zat\u00edmco jarn\u00ed \u00fapis<\/a> j\u00ed p\u0159inesl p\u0159ibli\u017en\u011b 1,18\u00a0miliardy, dal\u0161\u00ed emise za t\u00e9m\u011b\u0159 1,6\u00a0miliardy korun byla rovn\u011b\u017e b\u011bhem zhruba m\u011bs\u00edce vyprod\u00e1na. Banka tvrd\u00ed, \u017ee kapit\u00e1l pot\u0159ebuje zejm\u00e9na kv\u016fli rychlej\u0161\u00edmu ne\u017e pl\u00e1novan\u00e9mu r\u016fstu \u00fav\u011br\u016f a\u00a0dal\u0161\u00edch aktiv.<\/p>\n

Emise sou\u010dasn\u011b d\u00e1l pos\u00edlily postaven\u00ed zakladatele Radom\u00edra Lap\u010d\u00edka<\/a> a\u00a0j\u00edm ovl\u00e1dan\u00fdch spole\u010dnost\u00ed, kter\u00e9 nyn\u00ed podle banky kontroluj\u00ed zhruba 56\u00a0procent hlasovac\u00edch pr\u00e1v. Trinity Bank z\u00e1rove\u0148 v\u00fdrazn\u011b s\u00e1z\u00ed na realitn\u00ed financov\u00e1n\u00ed\u00a0\u2013 z\u00a0p\u0159ibli\u017en\u011b 40\u00a0miliard korun \u00fav\u011br\u016f p\u0159ipad\u00e1 35\u00a0miliard na nemovitostn\u00ed projekty. O\u00a0d\u016fvodech dal\u0161\u00edho navy\u0161ov\u00e1n\u00ed kapit\u00e1lu, dividendov\u00e9 politice, specifik\u00e1ch neve\u0159ejn\u011b obchodovan\u00fdch akci\u00ed i\u00a0o\u00a0dal\u0161\u00edm r\u016fstu banky mluv\u00ed finan\u010dn\u00ed \u0159editel a\u00a0m\u00edstop\u0159edseda p\u0159edstavenstva Ond\u0159ej Koreck\u00fd.<\/p>\n

Na ja\u0159e jste z\u00edskali emis\u00ed akci\u00ed 1,18\u00a0miliardy korun a\u00a0n\u00e1sledn\u011b dal\u0161\u00edch t\u00e9m\u011b\u0159 1,6\u00a0miliardy. Pro\u010d jste b\u011bhem n\u011bkolika m\u011bs\u00edc\u016f pot\u0159ebovali skoro 2,8\u00a0miliardy korun nov\u00e9ho kapit\u00e1lu a\u00a0na co jej vyu\u017eijete?<\/p>\n

V prvn\u00ed polovin\u011b roku se n\u00e1m poda\u0159ilo v\u00fdrazn\u011b p\u0159eplnit obchodn\u00ed pl\u00e1ny v\u00a0oblasti nemovitostn\u00edch \u00fav\u011br\u016f. Roste i\u00a0n\u00e1\u0161 spot\u0159ebitelsk\u00fd \u00fav\u011br Lep\u0161\u00ed p\u016fj\u010dka. V\u00fdhled do konce roku po\u010d\u00edt\u00e1 s\u00a0v\u00edce ne\u017e dvojn\u00e1sobn\u00fdm n\u00e1r\u016fstem \u00fav\u011brov\u00e9ho portfolia oproti finan\u010dn\u00edmu pl\u00e1nu.<\/p>\n

Jako ka\u017ed\u00e1 banka pot\u0159ebujeme pro r\u016fst kapit\u00e1l. Jarn\u00ed emise 1,2\u00a0miliardy korun pokryla standardn\u00ed finan\u010dn\u00ed pl\u00e1n r\u016fstu \u00fav\u011brov\u00fdch obchod\u016f. S\u00a0ohledem na obchodn\u00ed v\u00fdsledky, odhad dal\u0161\u00edho r\u016fstu a\u00a0na z\u00e1jem akcion\u00e1\u0159\u016f jsme p\u0159idali novou emisi za 1,6\u00a0miliardy korun. I\u00a0ta byla b\u011bhem jednoho m\u011bs\u00edce vyprod\u00e1na.<\/p>\n

Banka m\u00e1 ve vysoce likvidn\u00edch aktivech v\u00edce ne\u017e 65 miliard korun. Emise tedy nen\u00ed prim\u00e1rn\u011b o\u00a0z\u00edsk\u00e1n\u00ed pen\u011bz, ale o\u00a0nav\u00fd\u0161en\u00ed kapit\u00e1lu, od n\u011bho\u017e se odv\u00edj\u00ed mo\u017en\u00fd r\u016fst aktiv, tedy \u00fav\u011br\u016f a\u00a0investic. Kapit\u00e1l vyu\u017eijeme k\u00a0r\u016fstu \u00fav\u011brov\u00fdch aktiv, investic a\u00a0tak\u00e9 na vlastn\u00ed rozvoj, nap\u0159\u00edklad na software vznikaj\u00edc\u00ed v\u00a0r\u00e1mci digitalizace a\u00a0rozvoje denn\u00edho bankovnictv\u00ed.<\/p>\n

\"Trinity<\/a>Trinity Bank zvy\u0161uje limit u spo\u0159en\u00ed. Vy\u0161\u0161\u00ed sazba nyn\u00ed plat\u00ed a\u017e do 500 tis\u00edc korun<\/a><\/p>\n

Jak\u00fd byl o\u00a0druhou emisi z\u00e1jem a\u00a0jak se po jej\u00edm dokon\u010den\u00ed zm\u011bnila vlastnick\u00e1 struktura banky?<\/p>\n

Jarn\u00ed emise byla pln\u011b ups\u00e1na p\u0159ibli\u017en\u011b b\u011bhem jednoho m\u011bs\u00edce a\u00a0obdobn\u011b \u00fasp\u011b\u0161n\u00e1 byla i\u00a0druh\u00e1 emise. Popt\u00e1vku jsme evidovali tak\u00e9 mezi klienty banky a\u00a0dal\u0161\u00edmi z\u00e1jemci, kte\u0159\u00ed dosud na\u0161imi akcion\u00e1\u0159i nebyli. Na n\u011b v\u0161ak p\u0159ipadlo jen p\u0159ibli\u017en\u011b deset procent dostupn\u00fdch akci\u00ed.<\/p>\n

Vlastnick\u00e1 struktura se v\u00fdznamn\u011b nem\u011bn\u00ed. Radom\u00edr Lap\u010d\u00edk a\u00a0j\u00edm ovl\u00e1dan\u00e9 spole\u010dnosti z\u016fst\u00e1vaj\u00ed majoritn\u00edm vlastn\u00edkem. Jejich pod\u00edl na hlasovac\u00edch pr\u00e1vech banky po druh\u00e9 emisi \u010din\u00ed p\u0159ibli\u017en\u011b 56\u00a0procent.<\/p>\n

Jedna akcie st\u00e1la 1390\u00a0korun, tedy stejn\u011b jako p\u0159i jarn\u00ed emisi. Jak jste emisn\u00ed kurz stanovili?<\/p>\n

V\u00fd\u0161i emisn\u00edho kurzu schvaluje valn\u00e1 hromada banky. Prim\u00e1rn\u011b vych\u00e1z\u00ed z\u00a0aktu\u00e1ln\u00edho pod\u00edlu vlastn\u00edho kapit\u00e1lu na po\u010det akci\u00ed banky, \u010d\u00e1ste\u010dn\u011b se zohled\u0148uje tak\u00e9 budouc\u00ed potenci\u00e1l.<\/p>\n

Trinity Bank vypl\u00e1c\u00ed v\u00fdznamnou \u010d\u00e1st zisku akcion\u00e1\u0159\u016fm a\u00a0z\u00e1rove\u0148 od nich z\u00edsk\u00e1v\u00e1 nov\u00fd kapit\u00e1l. Pro\u010d neponechat v\u011bt\u0161\u00ed \u010d\u00e1st zisku p\u0159\u00edmo v\u00a0bance a\u00a0jakou dividendovou politiku chcete dr\u017eet d\u00e1l?<\/p>\n

Trinity Bank v\u017edy byla a\u00a0bude dividendovou akci\u00ed. Chceme i\u00a0nad\u00e1le na\u0161im akcion\u00e1\u0159\u016fm p\u0159in\u00e1\u0161et zhodnocen\u00ed ve form\u011b dividend.<\/p>\n

Navy\u0161ov\u00e1n\u00ed kapit\u00e1lu prost\u0159ednictv\u00edm emis\u00ed n\u00e1m umo\u017e\u0148uje vy\u0161\u0161\u00ed r\u016fst, ne\u017e by umo\u017enilo zadr\u017eov\u00e1n\u00ed zisku. T\u00edm p\u00e1dem roste jak hodnota spole\u010dnosti, tak absolutn\u00ed \u010d\u00e1stka zisku i\u00a0ziskovost na akcii.<\/p>\n

V\u00fdplatou dividendy z\u00e1rove\u0148 d\u00e1v\u00e1me akcion\u00e1\u0159\u016fm mo\u017enost p\u0159\u00edjem vyu\u017e\u00edt nebo jej reinvestovat v\u00a0r\u00e1mci dal\u0161\u00edch emis\u00ed nov\u00fdch akci\u00ed. T\u00e9to mo\u017enosti vyu\u017e\u00edv\u00e1 vysok\u00e9 procento na\u0161ich st\u00e1vaj\u00edc\u00edch akcion\u00e1\u0159\u016f.<\/p>\n

Akcie Trinity Bank nejsou obchodov\u00e1ny na burze. Jak m\u016f\u017ee investor svou investici ukon\u010dit? Je zp\u011btn\u00fd odkup garantovan\u00fd?<\/p>\n

Poskytujeme sou\u010dinnost, pokud se akcion\u00e1\u0159i rozhodnou investici ukon\u010dit. Vyu\u017e\u00edv\u00e1me intern\u00ed mechanismus p\u00e1rov\u00e1n\u00ed nab\u00eddky a\u00a0popt\u00e1vky. Pokud n\u011bkter\u00fd z\u00a0akcion\u00e1\u0159\u016f projev\u00ed z\u00e1jem sv\u00e9 akcie prodat, banka m\u016f\u017ee podle aktu\u00e1ln\u00edch podm\u00ednek je bu\u010f p\u0159\u00edmo odkoupit, nebo pom\u016f\u017ee nal\u00e9zt jin\u00e9ho z\u00e1jemce.<\/p>\n

Dosud se poda\u0159ilo v\u0161echny po\u017eadavky akcion\u00e1\u0159\u016f na prodej \u010di odkup vypo\u0159\u00e1dat. Podm\u00ednky p\u0159\u00edpadn\u00e9ho odkupu bankou se v\u017edy \u0159\u00edd\u00ed aktu\u00e1ln\u00edm rozhodnut\u00edm valn\u00e9 hromady a\u00a0p\u0159\u00edslu\u0161n\u00fdmi pr\u00e1vn\u00edmi a\u00a0regulatorn\u00edmi pravidly. Aktu\u00e1ln\u011b schv\u00e1len\u00e1 odkupn\u00ed cena \u010din\u00ed 1390\u00a0korun za akcii.<\/p>\n

Zp\u011btn\u00fd odkup nen\u00ed pr\u00e1vn\u00edm n\u00e1rokem akcion\u00e1\u0159e ani p\u0159edem garantovanou mo\u017enost\u00ed.<\/p>\n

Objem vklad\u016f p\u0159esahuje 146\u00a0miliard korun, zat\u00edmco \u00fav\u011bry \u010din\u00ed zhruba 36\u00a0miliard. Kam banka umis\u0165uje zb\u00fdvaj\u00edc\u00ed prost\u0159edky?<\/p>\n

Velk\u00e1 \u010d\u00e1st zb\u00fdvaj\u00edc\u00edch prost\u0159edk\u016f banky je investov\u00e1na ve vysoce likvidn\u00edch aktivech, nap\u0159\u00edklad v\u00a0\u010desk\u00fdch st\u00e1tn\u00edch dluhopisech. Volnou likviditu pak banka dr\u017e\u00ed v\u00a0\u010cesk\u00e9 n\u00e1rodn\u00ed bance prost\u0159ednictv\u00edm repo operac\u00ed.<\/p>\n

Pro leto\u0161n\u00ed rok o\u010dek\u00e1v\u00e1te zisk 850\u00a0milion\u016f korun p\u0159ed zdan\u011bn\u00edm. Z\u00a0\u010deho m\u00e1 jeho r\u016fst vych\u00e1zet a\u00a0jak jej mohou ovlivnit \u00farokov\u00e9 sazby?<\/p>\n

D\u00edky v\u00fdrazn\u00e9mu p\u0159epl\u0148ov\u00e1n\u00ed obchodn\u00edho pl\u00e1nu p\u0159edpokl\u00e1d\u00e1me, \u017ee leto\u0161n\u00ed o\u010dek\u00e1van\u00fd zisk p\u0159ekon\u00e1me. Nejv\u011bt\u0161\u00edm p\u0159isp\u011bvatelem jsou v\u00fdnosy z\u00a0poskytov\u00e1n\u00ed \u00fav\u011br\u016f v\u00a0segmentu developersk\u00fdch a\u00a0investi\u010dn\u00edch projekt\u016f. Postupn\u011b roste i\u00a0oblast spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f.<\/p>\n

Podle ekonomick\u00fdch predikc\u00ed a\u00a0o\u010dek\u00e1v\u00e1n\u00ed trhu v\u00a0kr\u00e1tk\u00e9m obdob\u00ed nep\u0159edpokl\u00e1d\u00e1me pokles \u00farokov\u00fdch sazeb, sp\u00ed\u0161e naopak. V\u00a0p\u0159\u00edpad\u011b poklesu m\u00e1 banka podstatnou \u010d\u00e1st sv\u00fdch aktiv i\u00a0pasiv nav\u00e1zanou na plovouc\u00ed sazby a\u00a0jsme p\u0159ipraveni reagovat na oba sc\u00e9n\u00e1\u0159e v\u00fdvoje.<\/p>\n

Jak velkou \u010d\u00e1st \u00fav\u011brov\u00e9ho portfolia dnes tvo\u0159\u00ed nemovitosti a\u00a0jak\u00e1 rizika v\u00a0tomto segmentu vid\u00edte?<\/p>\n

V portfoliu nyn\u00ed m\u00e1me 35\u00a0miliard korun nemovitostn\u00edch \u00fav\u011br\u016f<\/a>\u00a0\u2013 v\u00a0reziden\u010dn\u00edm developmentu, komer\u010dn\u00edch pron\u00e1jmov\u00fdch projektech od kancel\u00e1\u0159\u00ed p\u0159es hotely, retailov\u00e9 a\u00a0logistick\u00e9 parky a\u017e po financov\u00e1n\u00ed pozemk\u016f pro budouc\u00ed development.<\/p>\n

LTV se v pr\u016fm\u011bru pohybuje mezi 50 a\u017e 60 procenty u dlouhodob\u00fdch \u00fav\u011br\u016f a kolem 70 procent u prodejn\u00edch reziden\u010dn\u00edch development\u016f.<\/p>\n

Hlavn\u00ed potenci\u00e1ln\u00ed rizika nemovitostn\u00edho trhu, a\u00a0tedy i\u00a0na\u0161\u00ed expozice v\u016f\u010di n\u011bmu vid\u00edme v\u00a0obecn\u00e9m makroekonomick\u00e9m v\u00fdvoji, tedy ve v\u00fdvoji \u00farokov\u00fdch sazeb a\u00a0ekonomiky.<\/p>\n

Kdy nab\u00eddnete klient\u016fm plnohodnotn\u00e9 digit\u00e1ln\u00ed bankovnictv\u00ed a\u00a0co bude obsahovat?<\/p>\n

V tuto chv\u00edli dokon\u010dujeme p\u0159\u00edpravy a\u00a0testov\u00e1n\u00ed nov\u00e9ho digit\u00e1ln\u00edho bankovnictv\u00ed Trinity Banking. Jeho sou\u010d\u00e1st\u00ed bude nov\u00e9 internetov\u00e9 bankovnictv\u00ed, mobiln\u00ed aplikace a\u00a0platebn\u00ed karta Visa Gold zdarma.<\/p>\n

Trinity Banking budeme klient\u016fm zp\u0159\u00edstup\u0148ovat postupn\u011b v\u00a0pr\u016fb\u011bhu podzimu. Spole\u010dn\u011b s\u00a0n\u00edm chyst\u00e1me nap\u0159\u00edklad term\u00ednovan\u00e9 vklady, v\u011brnostn\u00ed program a\u00a0dal\u0161\u00ed nov\u00e9 produkty a\u00a0funkcionality, kter\u00e9 budeme postupn\u011b uv\u00e1d\u011bt v\u00a0n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch.<\/p>\n

Pracujeme tak\u00e9 na okam\u017eit\u00fdch platb\u00e1ch, jejich\u017e spu\u0161t\u011bn\u00ed pro klienty pl\u00e1nujeme v\u00a0p\u0159\u00ed\u0161t\u00edm roce.<\/p>\n","protected":false},"excerpt":{"rendered":"Trinity Bank letos ve dvou rychle po sob\u011b jdouc\u00edch emis\u00edch akci\u00ed z\u00edskala t\u00e9m\u011b\u0159 2,8\u00a0miliardy korun nov\u00e9ho kapit\u00e1lu. Zat\u00edmco…\n","protected":false},"author":2,"featured_media":187446,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[412,23790,11611,67,68,69,1196,26317,26318,5662],"class_list":["post-187445","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-akcie","tag-aktivum","tag-banka","tag-business","tag-byznys","tag-investice","tag-pravo","tag-radomir-lapcik","tag-trinity-bank","tag-uver"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117135174030892589","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/187445","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=187445"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/187445\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/187446"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=187445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=187445"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=187445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}