Eiropas Centr\u0101l\u0101s bankas sods LHV Group par k\u013c\u016bd\u0101m zi\u0146o\u0161an\u0101<\/p>\n
Eiropas Centr\u0101l\u0101 banka (ECB) ir piem\u0113rojusi naudas sodu finan\u0161u grupai “LHV Group” 405 000 eiro apm\u0113r\u0101. \u0160is m\u0113rs tika veikts saist\u012bb\u0101 ar k\u013c\u016bd\u0101m konsolid\u0113taj\u0101 regulatoriskaj\u0101 p\u0101rskatu snieg\u0161an\u0101 par periodu no 2022. gada 30. j\u016bnija l\u012bdz 2024. gada 31. martam. Zi\u0146ojumi nebija piln\u012bb\u0101 prec\u012bzi, jo tika nepareizi uzr\u0101d\u012bta Apvienot\u0101s Karalistes meitasuz\u0146\u0113muma LHV Bank Limited pa\u0161u kapit\u0101la poz\u012bcija. \u0160\u012bs nesakrit\u012bbas rad\u0101s metodolo\u0123iskas interpret\u0101cijas at\u0161\u0137ir\u012bbu un tehnisku konsolid\u0101cijas k\u013c\u016bdu d\u0113\u013c.<\/p>\n
Sod\u0101 iek\u013caut\u0101 k\u013c\u016bda tie\u0161i ietekm\u0113ja kapit\u0101la pras\u012bbas attiec\u012bb\u0101 uz \u0101rvalstu val\u016btas risku. Prec\u012bz\u0101k, tika nepareizi apr\u0113\u0137in\u0101ts tirgus risks, jo grupas iek\u0161\u0113j\u0101 GBP (Lielbrit\u0101nijas m\u0101rci\u0146as) denomin\u0113t\u0101 ietekme tika nepareizi iek\u013cauta neto t\u016bl\u012bt\u0113j\u0101s GBP poz\u012bcijas apr\u0113\u0137in\u0101. \u0160\u012b k\u013c\u016bda, kas atk\u0101rtoj\u0101s asto\u0146us ceturk\u0161\u0146us p\u0113c k\u0101rtas, noveda pie riska sv\u0113rto akt\u012bvu nepietiekama nov\u0113rt\u0113juma. \u0160\u0101di apr\u0113\u0137ini b\u016btiski krop\u013coja bankas faktisko riska pak\u013caut\u012bbu un var\u0113ja rad\u012bt neprec\u012bzu priek\u0161statu par t\u0101s notur\u012bbu pret val\u016btu sv\u0101rst\u012bb\u0101m.<\/p>\n
\u0160\u012b situ\u0113\u0161na ir izrais\u012bjusi ba\u017eas par banku riska vad\u012bbas sist\u0113mu un iek\u0161\u0113j\u0101s kontroles efektivit\u0101ti. ECB \u0161o p\u0101rk\u0101pumu ir klasific\u0113jusi k\u0101 “vid\u0113ji smagu”. Lai gan sods ir piem\u0113rots, “LHV Group” ir ties\u012bbas apstr\u012bd\u0113t ECB l\u0113mumu Eiropas Savien\u012bbas Ties\u0101.<\/p>\n
Ietekme uz kapit\u0101la r\u0101d\u012bt\u0101jiem un LHV Group darb\u012bbu<\/p>\n
Lai gan piem\u0113rotais sods ir iev\u0113rojams, t\u0101 tie\u0161\u0101 ietekme uz “LHV Group” kapit\u0101la r\u0101d\u012bt\u0101jiem bija ierobe\u017eota. Uz\u0146\u0113mums atz\u012bst, ka soda potenci\u0101l\u0101 ietekme tika paredz\u0113ta izdevumos jau \u0161\u012b gada otraj\u0101 ceturksn\u012b. Vid\u0113ji kapit\u0101la koeficienta ietekme tika ierobe\u017eota l\u012bdz 35 b\u0101zes punktiem, maksim\u0101li sasniedzot 66 b\u0101zes punktus. Svar\u012bgi uzsv\u0113rt, ka “LHV Group” visu laiku ir iev\u0113rojusi kapit\u0101la pras\u012bbas.<\/p>\n
Rea\u0123\u0113jot uz \u0161o situ\u0101ciju, “LHV Group” ir pilnveidojusi savu p\u0101rskatu snieg\u0161anas pieeju, lai atbilstu uzraugo\u0161o iest\u0101\u017eu nor\u0101d\u012bjumiem. Tika veikti labojumi un atk\u0101rtoti iesniegti p\u0101rskati par periodu no 2023. gada pirm\u0101 ceturk\u0161\u0146a l\u012bdz 2024. gada pirmajam ceturksnim. Tas liecina par uz\u0146\u0113muma centieniem nodro\u0161in\u0101t piln\u012bgu atbilst\u012bbu un caurskat\u0101m\u012bbu sav\u0101 darb\u012bb\u0101.<\/p>\n
“LHV Group” ir Igaunijas liel\u0101k\u0101 viet\u0113j\u0101 finan\u0161u grupa un kapit\u0101la nodro\u0161in\u0101t\u0101ja. T\u0101s galvenie meitasuz\u0146\u0113mumi ir “LHV Pank”, “LHV Varahaldus”, “LHV Kindlustus” un “LHV Bank Limited”. Uz\u0146\u0113mum\u0101 str\u0101d\u0101 vair\u0101k nek\u0101 1100 darbinieku. “LHV Bank Limited” ir bankas licence Apvienotaj\u0101 Karalist\u0113 un sniedz banku pakalpojumus starptautiskiem finan\u0161u tehnolo\u0123iju uz\u0146\u0113mumiem, k\u0101 ar\u012b izsniedz aizdevumus maziem un vid\u0113jiem uz\u0146\u0113mumiem.<\/p>\n
Riska apr\u0113\u0137inu noz\u012bme finan\u0161u pasaul\u0113<\/p>\n
\u0160is gad\u012bjums izce\u013c riska apr\u0113\u0137inu fundament\u0101lo noz\u012bmi finan\u0161u nozar\u0113. Riskiem sv\u0113rtie akt\u012bvi ir m\u0113rvien\u012bba, kas atspogu\u013co bankas bilanc\u0113 eso\u0161os riskus un kalpo par pamatu kapit\u0101la pras\u012bbu apr\u0113\u0137in\u0101\u0161anai. Nepareizs \u0161o akt\u012bvu nov\u0113rt\u0113jums tie\u0161\u0101 veid\u0101 ietekm\u0113 bankas kapit\u0101la koeficientus, kas ir galvenie r\u0101d\u012bt\u0101ji, kuri apliecina bankas finan\u0161u sp\u0113ku un sp\u0113ju absorb\u0113t zaud\u0113jumus.<\/p>\n
K\u0101 analo\u0123iju varam iedom\u0101ties ce\u013cot\u0101ju, kur\u0161, pl\u0101nojot mar\u0161rutu, nepareizi nov\u0113rt\u0113 nepiecie\u0161amo degvielas daudzumu. \u0160\u0101da k\u013c\u016bda var novest pie t\u0101, ka ce\u013cojums tiek nepabeigts vai j\u0101mekl\u0113 neparedz\u0113ti risin\u0101jumi. L\u012bdz\u012bgi ar\u012b bankai, kas neprec\u012bzi apr\u0113\u0137ina savus riskus, var rasties probl\u0113mas ar pietiekama kapit\u0101la nodro\u0161in\u0101\u0161anu, kas savuk\u0101rt var rad\u012bt sare\u017e\u0123\u012bjumus t\u0101s darb\u012bb\u0101 un potenci\u0101li apdraud\u0113t t\u0101s klientus un finan\u0161u stabilit\u0101ti kopum\u0101.<\/p>\n
ECB uzrauga finan\u0161u iest\u0101des, lai nodro\u0161in\u0101tu to stabilit\u0101ti un pareizu darb\u012bbu. Sodi par p\u0101rk\u0101pumiem ir ne tikai finansi\u0101ls sods, bet ar\u012b sign\u0101ls citiem tirgus dal\u012bbniekiem par nepiecie\u0161am\u012bbu stingri iev\u0113rot noteikt\u0101s pras\u012bbas. Uz\u0146\u0113mumiem ir svar\u012bgi invest\u0113t sav\u0101s riska vad\u012bbas un iek\u0161\u0113j\u0101s kontroles sist\u0113m\u0101s, lai izvair\u012btos no \u0161\u0101d\u0101m k\u013c\u016bdain\u0101m situ\u0101cij\u0101m un saglab\u0101tu uztic\u012bbu.<\/p>\n","protected":false},"excerpt":{"rendered":"Eiropas Centr\u0101l\u0101s bankas sods LHV Group par k\u013c\u016bd\u0101m zi\u0146o\u0161an\u0101 Eiropas Centr\u0101l\u0101 banka (ECB) ir piem\u0113rojusi naudas sodu finan\u0161u…\n","protected":false},"author":2,"featured_media":42009,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,10200,35,39,38,36,37,34,11950,40,348,11951,11952],"class_list":{"0":"post-42008","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-eiropas-centrala-banka","11":"tag-latvia","12":"tag-latvian","13":"tag-latviesu","14":"tag-latviesu-valoda","15":"tag-latviesuvaloda","16":"tag-latvija","17":"tag-lhv-group","18":"tag-lv","19":"tag-naudas-sods","20":"tag-regulatoriska-zinosana","21":"tag-riska-aprekini"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115505013970537992","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/42008","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=42008"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/42008\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/42009"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=42008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=42008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=42008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}