{"id":5771,"date":"2026-02-26T21:23:13","date_gmt":"2026-02-26T21:23:13","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/5771\/"},"modified":"2026-02-26T21:23:13","modified_gmt":"2026-02-26T21:23:13","slug":"najvacsia-slovenska-banka-rusi-pobocky-desiatky-z-nich-uz-neexistuju-napriek-tomu-hlasi-rekordny-rok","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/5771\/","title":{"rendered":"Najv\u00e4\u010d\u0161ia slovensk\u00e1 banka ru\u0161\u00ed pobo\u010dky, desiatky z nich u\u017e neexistuj\u00fa. Napriek tomu hl\u00e1si rekordn\u00fd rok"},"content":{"rendered":"<p>Slovensk\u00e1 sporite\u013e\u0148a zv\u00fd\u0161ila vlani konsolidovan\u00fd \u010dist\u00fd zisk o 8,7 % na 310,3 mili\u00f3na eur. E\u0161te dynamickej\u0161ie r\u00e1stol prev\u00e1dzkov\u00fd zisk, ktor\u00fd st\u00fapol o 12,7 percenta na 534,9 mili\u00f3na eur. Ako uviedol gener\u00e1lny riadite\u013e a predseda predstavenstva spolo\u010dnosti Peter Krutil, k v\u00fdsledkom prispel dvojcifern\u00fd rast prev\u00e1dzkov\u00e9ho zisku, pokra\u010duj\u00faci n\u00e1rast objemu \u00faverov a vkladov aj siln\u00fd dopyt po investi\u010dn\u00fdch produktoch.<\/p>\n<p>Po\u010det pobo\u010diek v\u0161ak klesol zo 160 na 140 a po\u010det bankomatov sa mierne zn\u00ed\u017eil zo 761 na 752. Naopak, r\u00e1stol po\u010det vydan\u00fdch platobn\u00fdch kariet aj pou\u017e\u00edvate\u013eov internetbankingu. Po\u010det klientov sa medziro\u010dne zn\u00ed\u017eil o necel\u00fdch p\u00e4\u0165 percent.<\/p>\n<p>K\u013e\u00fa\u010dov\u00fdm bol \u00farokov\u00fd v\u00fdnos<\/p>\n<p>Banka reagovala na priaznivej\u0161\u00ed v\u00fdvoj \u00farokov\u00fdch sadzieb na hypotek\u00e1rnom trhu zni\u017eovan\u00edm sadzieb a zaveden\u00edm digit\u00e1lne zjednodu\u0161en\u00e9ho procesu. K\u013e\u00fa\u010dov\u00fdm zdrojom rastu bol \u010dist\u00fd \u00farokov\u00fd v\u00fdnos, ktor\u00fd sa medziro\u010dne zv\u00fd\u0161il o 13,4 percenta na 645,1 mili\u00f3na eur. Za t\u00fdmto v\u00fdvojom st\u00e1l najm\u00e4 rast \u00faverov\u00e9ho portf\u00f3lia, predov\u0161etk\u00fdm hypot\u00e9k v retailovom segmente, a to aj napriek poklesu \u00farokov\u00fdch sadzieb.<\/p>\n<p>\u010cist\u00e9 v\u00fdnosy z poplatkov a prov\u00edzi\u00ed vzr\u00e1stli o 4,1 percenta na 241,8 mili\u00f3na eur, pri\u010dom ich podporili najm\u00e4 prov\u00edzie za poistenie, investovanie do podielov\u00fdch fondov a sprostredkovanie obchodov s cenn\u00fdmi papiermi. \u010cist\u00fd zisk z obchodovania dosiahol 21,7 mili\u00f3na eur a s\u00favisel najm\u00e4 s precenen\u00edm deriv\u00e1tov\u00fdch obchodov. Prev\u00e1dzkov\u00e9 n\u00e1klady sa zv\u00fd\u0161ili o 6,3 percenta na 376,1 mili\u00f3na eur.<\/p>\n<p><a href=\"https:\/\/www.interez.sk\/najvacsia-slovenska-banka-planuje-velku-odstavku-nepojde-prakticky-nic-ani-vybery-z-bankomatu\/slsp\/\" rel=\"attachment wp-att-500384 nofollow noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-500384\" src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" width=\"1080\" height=\"567\" data-lazy- data-lazy- data-lazy-src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/02\/slsp.jpg\"\/><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-500384\" src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/02\/slsp.jpg\" alt=\"\" width=\"1080\" height=\"567\"  \/><\/a>Foto: Slovensk\u00e1 sporite\u013e\u0148a<\/p>\n<p>Person\u00e1lne n\u00e1klady r\u00e1stli o 4,2 percenta v d\u00f4sledku rastu miezd pod vplyvom infl\u00e1cie a vyplatenia odmien k 200. v\u00fdro\u010diu banky. Ostatn\u00e9 administrat\u00edvne n\u00e1klady st\u00fapli o viac ne\u017e desa\u0165 percent najm\u00e4 pre vy\u0161\u0161ie invest\u00edcie do digitaliz\u00e1cie a moderniz\u00e1cie slu\u017eieb. Rizikov\u00fd profil banky sa v\u0161ak mierne zhor\u0161il. \u010cist\u00e1 strata zo zn\u00ed\u017eenia hodnoty finan\u010dn\u00fdch n\u00e1strojov dosiahla 51,3 mili\u00f3na eur, k\u00fdm rok predt\u00fdm bola na \u00farovni 13,1 mili\u00f3na eur, pri\u010dom rok 2024 bol ovplyvnen\u00fd ne\u0161tandardne n\u00edzkou b\u00e1zou pre metodick\u00e9 zmeny.<\/p>\n<p>Podiel nespl\u00e1can\u00fdch \u00faverov sa zv\u00fd\u0161il z 1,9 percenta na 2,2 percenta a ich pokrytie opravn\u00fdmi polo\u017ekami kleslo z 92,3 percenta na 81,5 percenta.Objem \u00faverov klientom vzr\u00e1stol o 6,8 percenta na 20,2 miliardy eur. Samotn\u00e9 \u00favery obyvate\u013estvu sa zv\u00fd\u0161ili o osem percent, pri\u010dom hypot\u00e9ky r\u00e1stli o 8,9 percenta a spotrebn\u00e9 \u00favery o 2,4 percenta.<\/p>\n<p>\u00davery korpor\u00e1tnym klientom vzr\u00e1stli o 4,1 percenta na 7,1 miliardy eur. Vklady klientov st\u00fapli o 5,1 percenta na 19,7 miliardy eur a pomer \u00faverov ku vkladom sa zv\u00fd\u0161il na 102,6 percenta.Z obchodn\u00e9ho h\u013eadiska sa pokra\u010duj\u00faca digitaliz\u00e1cia prejavila aj v \u0161trukt\u00fare distribu\u010dnej siete.<\/p>\n<p>Pozri aj:<\/p>\n<p>                                                                <a href=\"https:\/\/www.interez.sk\/tajomne-schody-v-prahe-sa-stali-hitom-internetu-ludia-hovoria-ze-z-nich-maju-zvlastne-pocity\/\" onclick=\"ga(&#039;interez_Tracker.send&#039;, &#039;event&#039;, &#039;Pozri aj&#039;, &#039;Pozri aj - obr\u00e1zok&#039;, &#039;Tajomn\u00e9 schody v Prahe sa stali hitom internetu: \u013dudia hovoria, \u017ee z nich maj\u00fa zvl\u00e1\u0161tne\u2026&#039;)\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n                                                                    <img loading=\"lazy\" decoding=\"async\" class=\"img-responsive pozri-aj-img\" src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" width=\"133\" height=\"70\" alt=\"Pozri aj tento \u010dl\u00e1nok\" data-lazy-src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/02\/schody-praha-425x222.jpg\"\/><img loading=\"lazy\" decoding=\"async\" class=\"img-responsive pozri-aj-img\" src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/02\/schody-praha-425x222.jpg\" width=\"133\" height=\"70\" alt=\"Pozri aj tento \u010dl\u00e1nok\"\/><br \/>\n                                                                <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Slovensk\u00e1 sporite\u013e\u0148a zv\u00fd\u0161ila vlani konsolidovan\u00fd \u010dist\u00fd zisk o 8,7 % na 310,3 mili\u00f3na eur. E\u0161te dynamickej\u0161ie r\u00e1stol prev\u00e1dzkov\u00fd&hellip;\n","protected":false},"author":2,"featured_media":5772,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[3423,64,65,66,228,43,40,39,42,2168,41],"class_list":{"0":"post-5771","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomika","8":"tag-banka","9":"tag-business","10":"tag-economic","11":"tag-ekonomika","12":"tag-peniaze","13":"tag-sk","14":"tag-slovak","15":"tag-slovakia","16":"tag-slovencina","17":"tag-slovenska-sporitelna","18":"tag-slovensko"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/5771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=5771"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/5771\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/5772"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=5771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=5771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=5771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}