OSTRAVA (13. 9. 2006)- V po\u0159ad\u00ed druh\u00e1 \u010d\u00e1ste\u010dn\u00e1 v\u00fdplata v\u011b\u0159itel\u016f Union banky, se kterou po\u010d\u00edtal spr\u00e1vce konkursn\u00ed podstaty Luk\u00e1\u0161 Raida, bude odd\u00e1lena kv\u016fli v\u00fdplat\u011b dodate\u010dn\u00fdch n\u00e1hrad pro t\u0159i zkrachoval\u00e9 banky (Union banka, Plze\u0148sk\u00e1 banka a Kreditn\u00ed banka Plze\u0148). Poslanci a sen\u00e1tory schv\u00e1len\u00e1 novela z\u00e1kona o zru\u0161en\u00ed FNM, kter\u00e1 tak\u00e9 obsahuje novelu z\u00e1kona o bank\u00e1ch, toti\u017e p\u0159izn\u00e1v\u00e1 v\u011b\u0159itel\u016fm dodate\u010dnou n\u00e1hradu 100 procent vklad\u016f a\u017e do v\u00fd\u0161e 4 mili\u00f3n\u016f korun, kterou bude vypl\u00e1cet Fond poji\u0161t\u011bn\u00ed vklad\u016f.<\/p>\n
A co to znamen\u00e1 pro Union banku? "Krom\u011b odd\u00e1len\u00ed druh\u00e9ho \u010d\u00e1ste\u010dn\u00e9ho rozvrhu to kr\u00e1tkodob\u011b p\u0159inese v\u00fdrazn\u00fd n\u00e1r\u016fst administrativn\u00ed pr\u00e1ce," uvedl Raida s t\u00edm, \u017ee zam\u011bstnanci Union banky mus\u00ed na z\u00e1klad\u011b \u00fadaj\u016f o tom, komu a kolik ji\u017e bylo vyplaceno, p\u0159ipravit pro Fond poji\u0161t\u011bn\u00ed vklad\u016f datab\u00e1zi opr\u00e1vn\u011bn\u00fdch n\u00e1rok\u016f klient\u016f. Union banka bude zodpov\u011bdn\u00e1 za dod\u00e1n\u00ed podklad\u016f pro FPV a bude proto vy\u0159izovat i p\u0159\u00edpadn\u00e9 reklamace.<\/p>\n
Konstrukce n\u00e1hrady je takov\u00e1, \u017ee ji z\u00e1kon retrospektivn\u011b p\u0159izn\u00e1v\u00e1 v\u0161em klient\u016fm. V p\u0159\u00edpad\u011b Union banky jich bylo v dob\u011b jej\u00edho krachu p\u0159es 130 tis\u00edc. V\u0161ichni tedy maj\u00ed n\u00e1rok na celou v\u00fd\u0161i sv\u00fdch vklad\u016f, maxim\u00e1ln\u011b ale do \u010dty\u0159 mili\u00f3n\u016f korun.<\/p>\n
Od t\u00e9to sumy se v\u0161ak mus\u00ed ode\u010d\u00edst ji\u017e vyplacen\u00e9 pen\u00edze za poji\u0161t\u011bn\u00e9 vklady, tedy 90 procent vklad\u016f, ale maxim\u00e1ln\u011b 25 tis\u00edc eur. V dob\u011b krachu Union banky to bylo podle tehdej\u0161\u00edho kursu necel\u00fdch 800 tis\u00edc korun.<\/p>\n
D\u00e1le je t\u0159eba v\u011b\u0159itel\u016fm ode\u010d\u00edst ji\u017e vyplacen\u00e9 pen\u00edze z \u010d\u00e1ste\u010dn\u00e9ho rozvrhu. To se v\u0161ak t\u00fdk\u00e1 pouze t\u011bch, kte\u0159\u00ed pot\u00e9, co dostali 90 procent vkladu, p\u0159ihl\u00e1sili zb\u00fdvaj\u00edc\u00edch 10 procent jako pohled\u00e1vku za konkursn\u00ed podstatou a jejich pohled\u00e1vka byla uzn\u00e1na. Takov\u00fdch v\u011b\u0159itel\u016f bylo zhruba 75 tis\u00edc a pouze jim vznikl n\u00e1rok na v\u00fdplatu z \u010d\u00e1ste\u010dn\u00e9ho rozvrhu. Pr\u00e1v\u011b v tzv. prvn\u00edm \u010d\u00e1ste\u010dn\u00e9m rozvrhu v\u011b\u0159itel\u00e9 dostaly 20 procent ze sv\u00fdch uznan\u00fdch pohled\u00e1vek, co\u017e bylo na za\u010d\u00e1tku lo\u0148sk\u00e9ho roku.<\/p>\n
"V pr\u016fb\u011bhu z\u00e1\u0159\u00ed budeme pracovat na datab\u00e1zi, abychom v\u0161e stihli. Technicky jsme p\u0159ipraveni, ale n\u011bkter\u00e9 jin\u00e9 pr\u00e1ce budou muset po\u010dkat a samoz\u0159ejm\u011b bude p\u0159\u00edprava datab\u00e1ze n\u011bco st\u00e1t," dodal spr\u00e1vce.<\/p>\n
Po v\u00fdplat\u011b dodate\u010dn\u00fdch n\u00e1hrad vypl\u00fdvaj\u00edc\u00edch z novely z\u00e1kona o zru\u0161en\u00ed FNM bude m\u00edt n\u00e1rok na pen\u00edze z druh\u00e9ho \u010d\u00e1ste\u010dn\u00e9ho rozvrhu z Union banky ji\u017e jen ten v\u011b\u0159itel, jeho\u017e vklad p\u0159ekro\u010dil hranici \u010dty\u0159 mili\u00f3n\u016f korun a jeho pohled\u00e1vka byla uzn\u00e1na. Nejv\u011bt\u0161\u00edm v\u011b\u0159itelem Union banky z\u016fstane Fond poji\u0161t\u011bn\u00ed vklad\u016f, jeho\u017e n\u00e1rok se je\u0161t\u011b zv\u00fd\u0161\u00ed o \u010d\u00e1stky, kter\u00e9 nyn\u00ed vyplat\u00ed. Jin\u00fdmi slovy v\u011b\u0159itel, jeho\u017e vklad nep\u0159es\u00e1hl \u010dty\u0159i mili\u00f3ny korun, dostane pen\u00edze jako dodate\u010dnou n\u00e1hradu, ale u\u017e nem\u00e1 n\u00e1rok na pen\u00edze z \u010d\u00e1ste\u010dn\u00e9ho rozvrhu. Tento n\u00e1rok p\u0159ejde na Fond poji\u0161t\u011bn\u00ed vklad\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"
OSTRAVA (13. 9. 2006)- V po\u0159ad\u00ed druh\u00e1 \u010d\u00e1ste\u010dn\u00e1 v\u00fdplata v\u011b\u0159itel\u016f Union banky, se kterou po\u010d\u00edtal spr\u00e1vce konkursn\u00ed podstaty Luk\u00e1\u0161 Raida, bude odd\u00e1lena kv\u016fli v\u00fdplat\u011b dodate\u010dn\u00fdch n\u00e1hrad pro t\u0159i zkrachoval\u00e9 banky (Union banka, Plze\u0148sk\u00e1 banka a Kreditn\u00ed banka Plze\u0148). Poslanci a sen\u00e1tory schv\u00e1len\u00e1 novela z\u00e1kona o zru\u0161en\u00ed FNM, kter\u00e1 tak\u00e9 obsahuje novelu z\u00e1kona o bank\u00e1ch, toti\u017e\u2026 Cel\u00fd \u010dl\u00e1nek »<\/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":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/906"}],"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=906"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/906\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}