Anal\u00fc\u00fctikute hinnangul on pankade kasumid intressilangusele vaatamata \u00fcsna korralikud. Edasine s\u00f5ltub sellest, kui palju \u00f5nnestub kasvatada laenumahtu. Kulusid saab samas k\u00e4rpida v\u00e4hendades hoiuseintresse.<\/p>\n
Kui intressilanguse m\u00f5ju kasumitele k\u00f5rvale j\u00e4tta, on kommertspankade tulemused Eesti Panga hinnangul \u00fcsna korralikud.<\/p>\n
“Eestis tegutsevate pankade kasumlikkus on rahvusvahelises v\u00f5rdluses endiselt \u00fcsna tugev. Kui v\u00f5tta paari viimase kvartali kasumlikkus, siis on see Eesti puhul \u00fcsna tavap\u00e4rasel tasemel ehk taseme, mida oleme n\u00e4inud pikema perioodi keskmisena,” lausus Eesti Panga \u00f6konomist Taavi Raudsaar.<\/p>\n
Finantsturud ootavad, et Euribor j\u00e4\u00e4b praeguse taseme l\u00e4hedale pikemaks ajaks, mis t\u00e4hendab, et intressik\u00f5ikumiste m\u00f5ju pankadele on m\u00f6\u00f6das ning edaspidi hakkab nende kasum j\u00e4rjest enam s\u00f5ltuma sellest, kuidas neil \u00f5nnestub laenuportfelli kasvatada.<\/p>\n
“Pankade kasum s\u00f5ltub j\u00e4rjest enam sellest, kuiv\u00f5rd \u00f5nnestub neil oma laenuportfelli kasvatada ja t\u00e4na n\u00e4eme, et see on neil korda l\u00e4inud. Pankade laenuportfell kasvab \u00fcsna kiiresti, n\u00e4iteks eluasemelaenude portfell on kasvanud tempoga umbes k\u00fcmme protsenti ja ettev\u00f5tete laenude portfell umbes kaheksa kuni \u00fcheksa protsenti. L\u00e4hiaastatel t\u00f5en\u00e4oliselt, kui majandusolukord paraneb, p\u00fcsib ka laenukasv – v\u00f5ib-olla mitte p\u00e4ris k\u00fcmne protsendi ligi, aga sellise viie kuni k\u00fcmne protsendi ligi k\u00fcll t\u00f5en\u00e4oliselt,” s\u00f5nas Raudsaar.<\/p>\n
“Kui intressim\u00e4\u00e4rad j\u00e4\u00e4vad stabiilseks ja krediidiriski m\u00f5ju oluliselt ei kasva, siis meie ootame, et pankade tulemused j\u00e4rgmisel aastal v\u00f5iks hakata paranema, sest kui \u00e4rimahud j\u00e4rjest kasvavad ja teiseks kui laenuportfelli vaadata, siis madalama intressi tase on juba sisse hinnatud, aga deposiitide poolel on likviidsust v\u00e4ga palju ja pankadel on v\u00f5imalik intressikulu allapoole tuua, k\u00f5ikide nende asjade koosm\u00f5jus v\u00f5iks pankadel j\u00e4rgmisel aastal hakata paremini minema,” \u00fctles Avaroni investeeringute juht Peter Priisalm.<\/p>\n
Kui laenudesse on madalama intress Priisalme s\u00f5nul juba sisse arvestatud, siis hoiuste intresside k\u00e4rpimine pakub pankale v\u00f5imalusi oluliseks kokkuhoiuks.<\/p>\n
“Kuna likviidsus on t\u00e4na turul nii k\u00f5rge, et osadel pankadel on laenude ja deposiitide suhe alla 70 protsendi, siis neil pole mingit vajadust t\u00e4na deposiitide eest v\u00e4ga k\u00f5rget intressi maksta. Deposiitide tase Eesti panganduses on kasvanud \u00fcle 30 miljardi, mis on k\u00f5igi aegade k\u00f5rgeim tase. Selles olukorras \u00e4riliselt kasulikum on deposiitide intressi alla tuua,” lisas Priisalm.<\/p>\n","protected":false},"excerpt":{"rendered":"Anal\u00fc\u00fctikute hinnangul on pankade kasumid intressilangusele vaatamata \u00fcsna korralikud. Edasine s\u00f5ltub sellest, kui palju \u00f5nnestub kasvatada laenumahtu. Kulusid…\n","protected":false},"author":2,"featured_media":24576,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[131,14220,130,37,33,35,2183,34,36,14218,9994,14222,672,14219,14221],"class_list":{"0":"post-26101","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ari","8":"tag-ari","9":"tag-avaron","10":"tag-business","11":"tag-ee","12":"tag-eesti","13":"tag-eesti-keel","14":"tag-eesti-pank","15":"tag-estonia","16":"tag-estonian","17":"tag-hoiused","18":"tag-intress","19":"tag-laenumahud","20":"tag-majandus","21":"tag-peter-priisalm","22":"tag-taavi-raudsaar"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115424329891574429","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/26101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=26101"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/26101\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/24576"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=26101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=26101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=26101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}