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SOLUTION OF DEBT CRISIS

An Impact of Institutional Environment on the Czech Banking Sector Petr Budinský Vice-rector VŠFS Conference H uman Capital & F inancial M anagement Prague, September 2012. SOLUTION OF DEBT CRISIS. Political Union Fiscal Union Banking Union. ECB. Decrease of interest rates

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SOLUTION OF DEBT CRISIS

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  1. An Impact of Institutional Environment on the Czech Banking SectorPetr BudinskýVice-rector VŠFSConferenceHuman Capital& Financial ManagementPrague, September 2012

  2. SOLUTION OF DEBT CRISIS • Political Union • Fiscal Union • Banking Union

  3. ECB • Decrease of interest rates • LTRO 1 trln EUR • Unlimited buy-out of bonds • Banking union - 1 regulator - sharing risks

  4. BANKING ASSETS in trln % of GDPEurozone 33 (EUR) 350CR 4,7 (CZK) 125

  5. BANKING LOANS% of banking assets % of GDPEurozone33 124CR 44 57

  6. BANKS • Worsening of loans • Holding of bonds • Losing deposits • Capital requirements • Fundings problems

  7. DELEVERAGING+ … Restructuring of assets Capital increase- … Restricting new loans

  8. BANKS BEHAVIOUR • Bonds purchases • Stricter conditions for granting of loans • Lower demand for loans

  9. CNB EXPOSURE (in BLN´s of CZK)

  10. SOCIETE GENERALE / KB EXPOSURE

  11. KBC / CSOB EXPOSURE

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