{"id":574,"date":"2003-07-03T22:56:18","date_gmt":"2003-07-03T21:56:18","guid":{"rendered":"http:\/\/www.unionbanka.cz\/?p=574"},"modified":"2003-07-03T22:56:18","modified_gmt":"2003-07-03T21:56:18","slug":"specialni-uvery-a-specialni-lide","status":"publish","type":"post","link":"https:\/\/www.unionbanka.cz\/?p=574","title":{"rendered":"Speci\u00e1ln\u00ed \u00fav\u011bry a speci\u00e1ln\u00ed lid\u00e9"},"content":{"rendered":"<p>&quot;Kolem Union banky se motaj\u00ed z\u00e1hadn\u00e9 st\u00edny a polost\u00edny,&quot; tvrd\u00ed Pavel Rozehnal z t\u00fdmu konkurzn\u00ed spr\u00e1vkyn\u011b UB, kde m\u00e1 na starosti finan\u010dn\u00ed ot\u00e1zky.<\/p>\n<p>* Kdy\u017e Invesmart vstupoval do Union banky, p\u0159evzal \u00fav\u011bry dlu\u017en\u00edk\u016f banky ve v\u00fd\u0161i 2,7 miliardy korun. Hodl\u00e1te tento p\u0159evzat\u00fd z\u00e1vazek zahrnout do konkurzn\u00ed podstaty?<\/p>\n<p>Skute\u010dn\u011b, Invesmart B. V., kter\u00fd zastupuje italskou finan\u010dn\u00ed skupinu, p\u0159evzal takzvan\u00e9 speci\u00e1ln\u00ed \u00fav\u011bry za 2,7 miliardy korun k 18. 11. 2002. Speci\u00e1ln\u00edm \u00fav\u011brem se v kontextu Union banky rozum\u011bl \u00fav\u011br poskytnut\u00fd s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed sp\u0159\u00edzn\u011bn\u00e9mu \u010di jinak bl\u00edzk\u00e9mu subjektu b\u00fdval\u00fdch akcion\u00e1\u0159\u016f Union Group, by\u0165 tato vazba nebyla p\u0159\u00edmo viditeln\u00e1. Union banka t\u011bmito pen\u011bzi tedy Invesmart B. V. re\u00e1ln\u011b za\u00fav\u011brovala a my tyto prost\u0159edky rozhodn\u011b vym\u00e1hat budeme. Principi\u00e1ln\u011b nehodl\u00e1me nijak kr\u00e1tit konkurzn\u00ed podstatu.Invesmart B. V. v r\u00e1mci p\u0159evzet\u00ed t\u011bchto 2,7 mld. speci\u00e1ln\u00edch \u00fav\u011br\u016f za\u010dal kontrolovat jak majoritn\u00ed bal\u00edk v Union Group, tak 92 % majetkov\u00fdch pod\u00edl\u016f v Union bance. Domn\u00edv\u00e1me se, \u017ee Invesmart v r\u00e1mci vstupu do cel\u00e9 skupiny UG sp\u00ed\u0161e spekuloval na masivn\u00ed st\u00e1tn\u00ed pomoc, kter\u00e1 by sanovala nezdary minul\u00e9ho veden\u00ed banky a t\u0159eba i onen bal\u00edk speci\u00e1ln\u00edch \u00fav\u011br\u016f.<\/p>\n<p>* Co v\u00e1s je\u0161t\u011b po p\u0159\u00edchodu do UB zarazilo?<\/p>\n<p>Rozhodn\u011b to nebyly jenom v\u00fd\u0161e zm\u00edn\u011bn\u00e9 &quot;speci\u00e1lky&quot;. Krom\u011b zm\u00edn\u011bn\u00e9ho \u00fav\u011bru Invesmartu B. V. se jednalo o jeden dal\u0161\u00ed, zhruba miliardov\u00fd \u00fav\u011br, kter\u00fd si v Union bance vzal b\u00fdval\u00fd majoritn\u00ed akcion\u00e1\u0159, tedy Union Group. Stalo se tak p\u0159\u00edmo, nikoli p\u0159es prost\u0159edn\u00edky, a tato transakce byla zavr\u0161ena a\u017e na za\u010d\u00e1tku leto\u0161n\u00edho roku a je\u0161t\u011b p\u0159ed p\u0159\u00edchodem Ital\u016f.Na sv\u011btlo u\u017e vyplynulo n\u011bkolik z\u00e1sadn\u00edch v\u011bc\u00ed a pr\u00e1vn\u00ed kancel\u00e1\u0159, s n\u00ed\u017e spolupracujeme, chyst\u00e1 trestn\u00ed ozn\u00e1men\u00ed, proto\u017ee v bance chyb\u011bly tak\u00e9 n\u011bkter\u00e9 dokumenty.<\/p>\n<p>* V\u00edte, co se d\u011blo v obdob\u00ed mezi sta\u017een\u00edm rolet a prohl\u00e1\u0161en\u00edm konkurzu? Nemohl n\u011bkdo zasahovat do \u00fa\u010detnictv\u00ed?<\/p>\n<p>Prvn\u00ed v\u011bc, kterou jsme ud\u011blali, bylo vytvo\u0159en\u00ed kompletn\u00ed z\u00e1lohy dat. Trvalo to osm hodin, data jsme komision\u00e1ln\u011b zape\u010detili a ulo\u017eili do trezoru mimo banku. Zastavili jsme na t\u00fdden ve\u0161ker\u00e9 \u00fa\u010dtov\u00e1n\u00ed &#8211; do chv\u00edle, ne\u017e jsme z\u00edskali kontrolu nad v\u0161emi \u00fa\u010detn\u00edmi vstupy, se ne\u00fa\u010dtovalo v\u016fbec. Tak jsme se cht\u011bli vyhnout jak\u00e9mukoli na\u0159\u010den\u00ed z manipulace. Bylo t\u0159eba zajistit, aby nikdo nemohl nic prov\u00e1d\u011bt za na\u0161imi z\u00e1dy.T\u011b\u017eko ale mohu posoudit, co bylo do syst\u00e9mu vlo\u017eeno p\u0159edt\u00edm. M\u00e1m jenom stoprocentn\u00ed jistotu, \u017ee po vyhl\u00e1\u0161en\u00ed konkurzu se v n\u011bm nic nezm\u011bnilo ani nezm\u011bn\u00ed.<\/p>\n<p>* S jak\u00fdmi znalci v UB spolupracujete?<\/p>\n<p>V bance nyn\u00ed p\u016fsob\u00ed dv\u011b auditorsk\u00e9 firmy. Jednak se dokon\u010duje z\u00e1v\u011brka za lo\u0148sk\u00fd rok, tu m\u00e1 na starosti HZ Praha. D\u00e1le zde pracuj\u00ed Deloitte &#038; Touche, kte\u0159\u00ed zpracov\u00e1vaj\u00ed jednu z\u00e1v\u011brku ke dni p\u0159ed vstupem banky do likvidace a druhou ke dni jej\u00edho vstupu do konkurzu. V\u0161echny z\u00e1v\u011brky te\u010f porovn\u00e1v\u00e1me. Co z podklad\u016f vyplyne, \u0159ekneme, a\u017e to budeme m\u00edt \u010dern\u00e9 na b\u00edl\u00e9m. Bude to velmi brzy.Role likvid\u00e1tora, spole\u010dnosti Value Added, ze z\u00e1kona skon\u010dila, maj\u00ed n\u00e1m p\u0159edat \u00fa\u010detnictv\u00ed &#8211; seznam majetku a z\u00e1vazk\u016f. Nab\u00edzeli n\u00e1m dal\u0161\u00ed spolupr\u00e1ci, ale narazilo to na v\u00fd\u0161i jejich odm\u011bny. Kulantn\u011b \u0159e\u010deno, cht\u011bli m\u00e1lo pr\u00e1ce za hodn\u011b pen\u011bz. Jejich odm\u011bna m\u011bla b\u00fdt podobn\u00e1 t\u00e9, kterou m\u00e1 cel\u00fd t\u00fdm spr\u00e1vkyn\u011b konkurzn\u00ed podstaty. Pro\u010d za jednu \u010dinnost platit dvakr\u00e1t?<\/p>\n<p>* U\u017e jste za\u010dali rozprod\u00e1vat majetek?<\/p>\n<p>Ano. Probl\u00e9m bude se s\u00edt\u00ed \u0161edes\u00e1ti pobo\u010dek. Ztr\u00e1cej\u00ed na cen\u011b, \u010d\u00edm\u017e miz\u00ed konkurzn\u00ed podstata, a banka z\u00e1rove\u0148 plat\u00ed drah\u00e9 pron\u00e1jmy. Pobo\u010dkovou s\u00ed\u0165 proto chceme prodat, jak to le\u017e\u00ed a b\u011b\u017e\u00ed. Nejlep\u0161\u00ed by bylo, kdyby s\u00ed\u0165 n\u011bkdo koupil vcelku a co nejd\u0159\u00edve. S nab\u00eddkou jsme obeslali 36 bankovn\u00edch subjekt\u016f, odezvy se teprve sch\u00e1zej\u00ed.<\/p>\n<p>* Strategick\u00e1 ot\u00e1zka v\u0161ak je, pro\u010d se nepokus\u00edte prodat jako jeden celek UB?<\/p>\n<p>Nemysl\u00edm si, \u017ee je to vhodn\u00e9. Zat\u00edm nen\u00ed ustaven ani v\u011b\u0159itelsk\u00fd v\u00fdbor, kter\u00fd se k takov\u00e9 z\u00e1sadn\u00ed v\u011bci mus\u00ed vyj\u00e1d\u0159it. Ten m\u016f\u017ee b\u00fdt ustaven nejd\u0159\u00edve za \u010dtvrt roku od prohl\u00e1\u0161en\u00ed konkurzu, po uplynut\u00ed lh\u016fty pro p\u0159ihla\u0161ov\u00e1n\u00ed pohled\u00e1vek v\u011b\u0159itel\u016f. Celek by taky musel b\u00fdt zmapov\u00e1n: m\u00e1m na mysli ocen\u011bn\u00ed pohled\u00e1vek a rozpleten\u00ed \u00fav\u011brov\u00fdch p\u0159\u00edpad\u016f. To je pr\u00e1ce na dal\u0161\u00ed p\u016flrok.<\/p>\n<p>* Jak\u00fd m\u00e1te p\u0159ehled o hlavn\u00edch v\u011b\u0159itel\u00edch?<\/p>\n<p>Majoritn\u00ed je Fond poji\u0161t\u011bn\u00ed vklad\u016f. U ostatn\u00edch v\u011b\u0159itel\u016f prov\u00e1d\u00edme anal\u00fdzu. N\u011bkte\u0159\u00ed v\u0161ak postoupili \u010d\u00e1st pohled\u00e1vek ve prosp\u011bch dlu\u017en\u00edk\u016f, kte\u0159\u00ed ud\u011blali z\u00e1po\u010dty. Jde o to, kter\u00fd z\u00e1po\u010det byl opr\u00e1vn\u011bn\u00fd a kter\u00fd nikoli. Vyhl\u00e1\u0161en\u00ed konkurzu se toti\u017e vleklo a v bance byla celou dobu otev\u0159en\u00e1 vrata. Z\u00e1po\u010dt\u016f mohlo za p\u0159edkonkurzn\u00ed obdob\u00ed prob\u011bhnout za 2,4 miliardy korun. Pokud m\u00e1 z\u00e1po\u010det platit, pohled\u00e1vky mus\u00ed b\u00fdt splatn\u00e9. Ne v\u017edycky v\u0161ak tomu tak bylo a nesplatn\u00e9 pohled\u00e1vky proto budeme samoz\u0159ejm\u011b zam\u00edtat. Nicm\u00e9n\u011b cel\u00fd probl\u00e9m z\u00e1po\u010dt\u016f je pr\u00e1vn\u011b, \u00fa\u010detn\u011b a pro n\u011bkter\u00e9 i mor\u00e1ln\u011b velmi komplikovan\u00fd.<\/p>\n<p>* Dva \u010dlenov\u00e9 konkurzn\u00edho t\u00fdmu jsou b\u00fdval\u00ed zam\u011bstnanci BIS. Maj\u00ed tedy konkurz pod kontrolou tajn\u00e9 slu\u017eby?<\/p>\n<p>O tomto opravdu nic nev\u00edm, a proto\u017ee praktiky tajn\u00fdch slu\u017eeb mi nejsou zn\u00e1my, ani nev\u00edm, jak bych to mohl poznat. Nicm\u00e9n\u011b kolem Union banky jsou podivn\u00e1 z\u00e1zem\u00ed a nitky. Proto nevid\u00edm nic \u0161patn\u00e9ho na tom, \u017ee se banka sna\u017e\u00ed &quot;zpravodajsky&quot; chr\u00e1nit. Pova\u017euji to dokonce za v\u00fdhodu.Pan Geissler opustil bezpe\u010dnostn\u00ed slu\u017ebu v polovin\u011b 90. let a pan Uher sice a\u017e letos, ale d\u0159\u00edv, ne\u017e ho v\u016fbec mohlo napadnout, \u017ee bude n\u011bjak\u00fd konkurz. Mimoto jsou oba kolegov\u00e9 kvalitn\u00ed krizov\u00ed mana\u017ee\u0159i, jejich\u017e v\u00fdhodou je bezesporu prov\u011b\u0159enost ze strany st\u00e1tn\u00ed spr\u00e1vy.Banka nefungovala standardn\u00edm zp\u016fsobem a m\u00edt n\u011bkoho, kdo se ve &quot;zpravodajsk\u00fdch&quot; hr\u00e1ch vyzn\u00e1 a um\u00ed je roz\u0161ifrovat, je proto nam\u00edst\u011b. Banka je v konkurzu a motaj\u00ed se kolem n\u00ed z\u00e1hadn\u00e9 st\u00edny a polost\u00edny. R\u016fzn\u011b vyhro\u017euj\u00ed a nevyhro\u017euj\u00ed. Dost\u00e1v\u00e1me vzkazy, kter\u00fdm nep\u0159\u00edli\u0161 rozum\u00edme, t\u0159eba &quot;Vyst\u0159el\u00edme v\u00e1s z polobotek&quot;. Jsem profesion\u00e1l-ekonom a vyznat se v tom kdo, co a pro\u010d \u0159\u00edk\u00e1, p\u0159esahuje m\u00e9 s\u00edly.<\/p>\n<p>* Mysl\u00edte, \u017ee se v\u00e1m poda\u0159\u00ed ust\u00e1t v\u0161echny tlaky v\u010detn\u011b t\u011bch &quot;podivn\u00fdch&quot;?<\/p>\n<p>Nev\u00edm, kam se konkurz je\u0161t\u011b dostane. Co bude za t\u0159i m\u011bs\u00edce, nedok\u00e1\u017eu odhadnout, nicm\u00e9n\u011b v\u011b\u0159\u00edm, \u017ee tlaky ustoj\u00edme. V\u00fdhoda na\u0161eho t\u00fdmu je, \u017ee jsme nikdy nikomu nic nedlu\u017eili a nikdo z n\u00e1s nem\u011bl a nem\u00e1 \u017e\u00e1dn\u00fd \u00fav\u011br ani jin\u00e9 finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 by n\u00e1s \u010dinily vyd\u00edrateln\u00fdmi. Nez\u00fa\u010dastnili jsme se ani \u017e\u00e1dn\u00fdch privatizac\u00ed.<\/p>\n<p>Zdroj: Ekonom<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&quot;Kolem Union banky se motaj\u00ed z\u00e1hadn\u00e9 st\u00edny a polost\u00edny,&quot; tvrd\u00ed Pavel Rozehnal z t\u00fdmu konkurzn\u00ed spr\u00e1vkyn\u011b UB, kde m\u00e1 na starosti finan\u010dn\u00ed ot\u00e1zky. * Kdy\u017e Invesmart vstupoval do Union banky, p\u0159evzal \u00fav\u011bry dlu\u017en\u00edk\u016f banky ve v\u00fd\u0161i 2,7 miliardy korun. Hodl\u00e1te tento p\u0159evzat\u00fd z\u00e1vazek zahrnout do konkurzn\u00ed podstaty? Skute\u010dn\u011b, Invesmart B. V., kter\u00fd zastupuje italskou finan\u010dn\u00ed\u2026 <span class=\"read-more\"><a href=\"https:\/\/www.unionbanka.cz\/?p=574\">Cel\u00fd \u010dl\u00e1nek &raquo;<\/a><\/span><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/574"}],"collection":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=574"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/574\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}