{"id":71461,"date":"2026-04-30T13:17:46","date_gmt":"2026-04-30T13:17:46","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/71461\/"},"modified":"2026-04-30T13:17:46","modified_gmt":"2026-04-30T13:17:46","slug":"ruseni-bankovnich-pobocek-se-ani-loni-nezastavilo-je-jich-nejmene-od-roku-2008","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/71461\/","title":{"rendered":"Ru\u0161en\u00ed bankovn\u00edch pobo\u010dek se ani loni nezastavilo. Je jich nejm\u00e9n\u011b od roku 2008"},"content":{"rendered":"<p class=\"e_bW\">Koronavirov\u00e1 pandemie zm\u011bnila chov\u00e1n\u00ed klient\u016f bank, kte\u0159\u00ed se v\u00edce p\u0159esunuli do online prost\u0159ed\u00ed a\u00a0s bankami komunikovali digit\u00e1ln\u011b m\u00edsto fyzick\u00e9 n\u00e1v\u0161t\u011bvy pobo\u010dky. D\u016fvodem byly karant\u00e9ny, zav\u0159en\u00e9 obchody i\u00a0cel\u00e1 odv\u011btv\u00ed. Bankovn\u00ed domy proto zes\u00edlily sv\u00e9 snahy o\u00a0digitalizaci a\u00a0v online prost\u0159ed\u00ed zp\u0159\u00edstupnily dal\u0161\u00ed produkty.<\/p>\n<p class=\"e_bW\">V\u00fdsledkem je ru\u0161en\u00ed pobo\u010dek, kter\u00e9 st\u00e1le pokra\u010duje. Podle dat \u010cesk\u00e9 n\u00e1rodn\u00ed banky jich tuzemsk\u00e9 banky m\u011bly ke konci minul\u00e9ho roku 1352, co\u017e je o\u00a036\u00a0m\u00e9n\u011b ne\u017e p\u0159ed rokem. Na \u010desk\u00e9m trhu je dokonce nejm\u00e9n\u011b pobo\u010dek od roku 2008, kdy se tato data za\u010dala sledovat. <\/p>\n<p class=\"e_bW\">\u201eHlavn\u00ed p\u0159\u00ed\u010dinou pokra\u010duj\u00edc\u00edho poklesu bankovn\u00edch pobo\u010dek v\u00a0\u010cesku je dlouhodob\u00fd p\u0159esun z\u00e1kladn\u00edch bankovn\u00edch slu\u017eeb do on-line prost\u0159ed\u00ed. Jde nap\u0159\u00edklad o\u00a0platby, zm\u011bny parametr\u016f \u00fa\u010dt\u016f, ale i\u00a0jejich zakl\u00e1d\u00e1n\u00ed a\u00a0ru\u0161en\u00ed,\u201c uv\u00e1d\u00ed Roman Lux, partner v\u00a0poradensk\u00e9 spole\u010dnosti Deloitte.<\/p>\n<p class=\"e_bW\">\u201eNa pobo\u010dk\u00e1ch se sni\u017euje po\u010det transak\u010dn\u00edch operac\u00ed\u00a0\u2013 jak hotovostn\u00edch, tak bezhotovostn\u00edch. Pobo\u010dky jsou tak v\u00a0dne\u0161n\u00ed dob\u011b vyu\u017e\u00edv\u00e1ny ke komplexn\u011bj\u0161\u00edmu poradenstv\u00ed,\u201c upozor\u0148uje Lux. Stejn\u011b se vyjad\u0159uj\u00ed samotn\u00e9 banky. \u201ePobo\u010dky vyu\u017e\u00edvaj\u00ed klienti prim\u00e1rn\u011b pro komplexn\u00ed z\u00e1le\u017eitosti, jako je poradenstv\u00ed v\u00a0r\u00e1mci investic, poji\u0161t\u011bn\u00ed \u010di hypot\u00e9k,\u201c uv\u00e1d\u00ed mluv\u010d\u00ed Moneta Money Bank Tereza Ry\u0161anov\u00e1.<\/p>\n<p>Jednotky n\u00e1v\u0161t\u011bv denn\u011b<\/p>\n<p class=\"e_bW\">Nejv\u00edce pobo\u010dek m\u011bly bankovn\u00ed domy v\u00a0z\u00e1v\u011bru roku 2013, kdy jejich po\u010det byl 2227.\u00a0Od t\u00e9 doby za\u010dal sestupn\u00fd trend, kter\u00fd b\u011bhem koronavirov\u00e9 pandemie je\u0161t\u011b zrychlil. P\u0159ed jej\u00edm za\u010d\u00e1tkem\u00a0\u2013 na konci roku 2019\u00a0\u2013 bylo na \u010desk\u00e9m trhu celkem 1898\u00a0bankovn\u00edch pobo\u010dek.\u00a0Za \u0161est let se tak jejich po\u010det propadl o\u00a0v\u00edce ne\u017e p\u011bt set. <\/p>\n<p class=\"e_bW\">\u201eK ru\u0161en\u00ed pobo\u010dek p\u0159istupujeme pouze v\u00a0p\u0159\u00edpad\u011b, \u017ee v\u00a0dan\u00e9 lokalit\u011b dlouhodob\u011b evidujeme minim\u00e1ln\u00ed z\u00e1jem klient\u016f o\u00a0vyu\u017e\u00edv\u00e1n\u00ed pobo\u010dkov\u00fdch slu\u017eeb, \u010dasto v\u00a0\u0159\u00e1du jednotek n\u00e1v\u0161t\u011bv denn\u011b. Typicky jde o\u00a0m\u00edsta, kde klienti t\u00e9m\u011b\u0159 v\u00fdhradn\u011b vyu\u017e\u00edvaj\u00ed digit\u00e1ln\u00ed slu\u017eby,\u201c uv\u00e1d\u00ed mluv\u010d\u00ed \u010cesk\u00e9 spo\u0159itelny Filip Hrub\u00fd s\u00a0t\u00edm, \u017ee tento trend je patrn\u00fd nap\u0159\u00ed\u010d cel\u00fdm bankovn\u00edm trhem.<\/p>\n<p><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-byznys-reality-hypoteka-hypoteky-v-cesku-zdrazi-o-miliardy-nesplaceni-se-trh-ale-neboji-304057\" class=\"e_n f_l0\" rel=\"nofollow noopener\" target=\"_blank\"><img fetchpriority=\"high\" height=\"1687\"   width=\"3000\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/04\/1777555065_872_byty-bydleni-panelak.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"e_aa e_Z\"\/><\/a><\/p>\n<p class=\"e_bW\">Podobn\u011b se vyjad\u0159uje i\u00a0Ry\u0161anov\u00e1: \u201eZa posledn\u00ed roky se v\u00fdrazn\u011b zm\u011bnilo chov\u00e1n\u00ed na\u0161ich klient\u016f, prakticky p\u0159estali vyu\u017e\u00edvat pobo\u010dky pro denn\u00ed operace (zji\u0161t\u011bn\u00ed z\u016fstatku, zad\u00e1n\u00ed p\u0159\u00edkazu, ov\u011b\u0159en\u00ed platby\u2026).\u201c<\/p>\n<p class=\"e_bW\">Bankovn\u00ed domy se z\u00e1rove\u0148 sna\u017e\u00ed naj\u00edt \u00faspory a\u00a0pobo\u010dkovou s\u00ed\u0165 optimalizovat. \u201eUzav\u0159en\u00ed pobo\u010dek byla v\u00a0podstat\u011b konsolidace bl\u00edzk\u00fdch pobo\u010dek do jedn\u00e9 v\u011bt\u0161\u00ed, a\u00a0to v\u010detn\u011b zam\u011bstnanc\u016f, na kter\u00e9 to m\u011blo naprosto minim\u00e1ln\u00ed dopad,\u201c l\u00ed\u010d\u00ed mluv\u010d\u00ed Raiffeisenbank Tereza Kaiser\u0161otov\u00e1.<\/p>\n<p class=\"e_bW\">\u010cesk\u00e1 spo\u0159itelna sn\u00ed\u017eila po\u010det pobo\u010dek z\u00a0337\u00a0na konci roku 2024\u00a0na 329\u00a0v\u00a0z\u00e1v\u011bru roku 2025.\u00a0O\u00a0dv\u011b pobo\u010dky ze\u0161t\u00edhlily svou s\u00ed\u0165 Raiffeisenbank a\u00a0Moneta Money Bank, na celkov\u00fdch 116, respektive na 122.\u00a0Z\u00a0204\u00a0na 186\u00a0pobo\u010dek pak sn\u00ed\u017eila po\u010det m\u00edst pro klienty Komer\u010dn\u00ed banka. \u201ePo\u010det pobo\u010dek se v\u00edcem\u00e9n\u011b nem\u011bn\u00ed, na konci roku 2024\u00a0jich bylo 176, aktu\u00e1ln\u011b jich m\u00e1me 175,\u201c dopl\u0148uje Jan Urban, mluv\u010d\u00ed <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.seznamzpravy.cz\/tag\/csob-1189\" class=\"e_n\" rel=\"nofollow noopener\">\u010ceskoslovensk\u00e9 obchodn\u00ed banky<\/a>.<\/p>\n<p class=\"e_bW\">Trend bude pokra\u010dovat i\u00a0letos. \u201eP\u0159edpokl\u00e1d\u00e1me, \u017ee v\u00a0leto\u0161n\u00edm roce dojde k\u00a0uzav\u0159en\u00ed t\u011bch pobo\u010dek, o\u00a0jejich\u017e vyu\u017e\u00edv\u00e1n\u00ed ztrat\u00ed v\u011bt\u0161ina klient\u016f v\u00a0dan\u00e9 lokalit\u011b z\u00e1jem,\u201c \u0159\u00edk\u00e1 Hrub\u00fd s\u00a0t\u00edm, \u017ee p\u0159esn\u00fd pl\u00e1n Spo\u0159itelna nem\u00e1. \u201eNicm\u00e9n\u011b na z\u00e1klad\u011b v\u00fdvoje v\u00a0p\u0159edchoz\u00edch letech se d\u00e1 p\u0159edpokl\u00e1dat, \u017ee v\u00a0pr\u016fb\u011bhu tohoto roku dojde ke zru\u0161en\u00ed minim\u00e1ln\u011b vy\u0161\u0161\u00edch jednotek pobo\u010dek,\u201c dod\u00e1v\u00e1 Hrub\u00fd.<\/p>\n<p class=\"e_bW\">O jednu pobo\u010dku m\u00e9n\u011b m\u00e1 oproti konci lo\u0148sk\u00e9ho roku Moneta Money Bank. \u201eNa konci prvn\u00edho \u010dtvrtlet\u00ed jsme m\u011bli 123\u00a0pobo\u010dek. Na\u0161\u00edm c\u00edlem je udr\u017eet pobo\u010dkovou s\u00ed\u0165 o\u00a0velikosti cca 120\u00a0pobo\u010dek,\u201c vy\u010d\u00edsluje Ry\u0161anov\u00e1.<\/p>\n<p><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-finance-dluhy-ceskych-domacnosti-u-bank-v-prosinci-vzrostly-na-2583-bilionu-korun-297697\" class=\"e_n f_l0\" rel=\"nofollow noopener\" target=\"_blank\"><img height=\"2304\"   width=\"4096\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/04\/dluhy-pujcky-o-penezich-se-ne-mluvi.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"e_aa e_Z\"\/><\/a><\/p>\n<p class=\"e_bW\">Tento trend ale bude viditeln\u00fd na cel\u00e9m bankovn\u00edm trhu. \u201eP\u0159edpokl\u00e1d\u00e1m, \u017ee po\u010det pobo\u010dek bude postupn\u011b klesat i\u00a0v budoucnu. Sou\u010dasn\u011b tak\u00e9 doch\u00e1z\u00ed k\u00a0optimalizaci jejich um\u00edst\u011bn\u00ed,\u201c popisuje Lux. Podle Ry\u0161anov\u00e9 ostatn\u011b nen\u00ed nutn\u00e9, aby byla pobo\u010dka \u201ena ka\u017ed\u00e9m rohu\u201c, ale aby \u201ebyla tam, kde je dob\u0159e dostupn\u00e1\u00a0\u2013 hromadnou dopravou \u010di v\u00a0bl\u00edzkosti parkovi\u0161t\u011b\u201c.<\/p>\n","protected":false},"excerpt":{"rendered":"Koronavirov\u00e1 pandemie zm\u011bnila chov\u00e1n\u00ed klient\u016f bank, kte\u0159\u00ed se v\u00edce p\u0159esunuli do online prost\u0159ed\u00ed a\u00a0s bankami komunikovali digit\u00e1ln\u011b m\u00edsto&hellip;\n","protected":false},"author":2,"featured_media":71462,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[1985,2165,994,4030,11108,19850,11109,6037,9721,98,99,10255],"class_list":{"0":"post-71461","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-praha","8":"tag-banky","9":"tag-ceska-narodni-banka-cnb","10":"tag-ceska-sporitelna","11":"tag-csob","12":"tag-internetove-bankovnictvi","13":"tag-komercni-banka-kb","14":"tag-mobilni-bankovnictvi","15":"tag-moneta-money-bank","16":"tag-pobocka","17":"tag-prague","18":"tag-praha","19":"tag-raiffeisenbank"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116493854020989418","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/71461","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=71461"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/71461\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/71462"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=71461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=71461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=71461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}