D\u00f4vodov\u00e1 spr\u00e1va<\/a><\/p>\n<\/h6>\n
D\u00f4vodom predlo\u017eenia je povinnos\u0165 transponova\u0165 <\/strong>smernicu CRD<\/strong>\u00a0<\/strong>V<\/strong> do slovensk\u00e9ho pr\u00e1vneho poriadku s\u00a0cie\u013eom zni\u017eovania riz\u00edk v\u00a0bankovom sektore, posil\u0148ovania odolnosti regulovan\u00fdch subjektov vo\u010di pr\u00edpadn\u00fdm ekonomick\u00fdm otrasom a\u00a0t\u00fdm prispieva\u0165 k\u00a0upevneniu finan\u010dn\u00e9ho syst\u00e9mu.<\/p>\n<\/h6>\n
Najd\u00f4le\u017eitej\u0161ie zmeny<\/strong>, ktor\u00e9 zav\u00e1dza n\u00e1vrh z\u00e1kona:<\/p>\n<\/h6>\n\n- Kapit\u00e1lov\u00e9 po\u017eiadavky<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
Nov\u00fdm in\u0161tit\u00fatom<\/strong> je odpor\u00fa\u010danie druh\u00e9ho piliera \u2013 Pillar 2 guidance \u2013 P2G (\u00a7 29a). Ide o\u00a0odpor\u00fa\u010danie NBS, ktor\u00e1 m\u00f4\u017ee ozn\u00e1mi\u0165 bank\u00e1m svoje o\u010dak\u00e1vania (expectations) na kapit\u00e1lov\u00e9 po\u017eiadavky. Ide o \u201em\u00e4kk\u00fa\u201c po\u017eiadavku NBS<\/strong>, ktor\u00e1 predstavuje nov\u00fd, menej pr\u00edsny, menej form\u00e1lny n\u00e1stroj v\u00a0porovnan\u00ed s\u00a0osobitnou po\u017eiadavkou na vlastn\u00e9 zdroje (\u00a7 29b). Opakovan\u00e9 neplnenie tejto m\u00e4kkej po\u017eiadavky m\u00f4\u017ee ma\u0165 za n\u00e1sledok ulo\u017eenie \u201etvrdej\u201c po\u017eiadavky na vlastn\u00e9 zdroje pod\u013ea (\u00a7 29b).<\/p>\n<\/h6>\n
NBS m\u00f4\u017ee ulo\u017ei\u0165 banke osobitn\u00fa po\u017eiadavku (\u00a7 29b) na vlastn\u00e9 zdroje na z\u00e1klade presk\u00famania a\u00a0hodnotenia. Po\u017eiadavka mus\u00ed by\u0165 zo strany NBS riadne zd\u00f4vodnen\u00e1 a\u00a0m\u00f4\u017ee by\u0165 cielen\u00e1 len na<\/strong>\u00a0 rizik\u00e1 alebo prvky riz\u00edk, ktor\u00e9 nie s\u00fa pokryt\u00e9 minim\u00e1lnymi kapit\u00e1lov\u00fdmi po\u017eiadavkami stanoven\u00fdmi v\u00a0CRR<\/strong> (teda v\u00a0prvom pilieri). T\u00e1to po\u017eiadavka nesmie by\u0165 pou\u017e\u00edvan\u00e1 na krytie makroprudenci\u00e1lnych alebo syst\u00e9mov\u00fdch riz\u00edk.<\/p>\n<\/h6>\n
Zav\u00e1dza sa mo\u017enos\u0165 uklada\u0165 kapit\u00e1lov\u00fd vank\u00fa\u0161 \u2013 tlmiaca rezerva, pre krytie syst\u00e9mov\u00e9ho rizika vo\u010di typom expoz\u00edci\u00ed <\/strong>(\u00a7 33e ods. 2). Sadzba proticyklick\u00e9ho kapit\u00e1lov\u00e9ho vank\u00fa\u0161a<\/strong> u\u017e<\/strong> je stanovovan\u00e1<\/strong> len v\u00a0pr\u00edpadoch<\/strong>, kedy na z\u00e1klade hodnotenia NBS d\u00f4jde k\u00a0zmene miery cyklick\u00e9ho syst\u00e9mov\u00e9ho rizika <\/strong>(\u00a7 33g ods. 1).<\/p>\n<\/h6>\n\n- V\u00fdkon doh\u013eadu na konsolidovanom z\u00e1klade a schva\u013eovanie niektor\u00fdch finan\u010dn\u00fdch holdingov\u00fdch spolo\u010dnost\u00ed a zmie\u0161an\u00fdch finan\u010dn\u00fdch holdingov\u00fdch spolo\u010dnost\u00ed<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
CRD\u00a0V\u00a0a\u00a0teda aj n\u00e1vrh z\u00e1kona v\u010dle\u0148uje finan\u010dn\u00e9 holdingov\u00e9 spolo\u010dnosti a\u00a0zmie\u0161an\u00e9 finan\u010dn\u00e9 holdingov\u00e9 spolo\u010dnosti, ktor\u00e9 ovl\u00e1daj\u00fa in\u0161tit\u00facie do priamej p\u00f4sobnosti org\u00e1nov doh\u013eadu s\u00a0cie\u013eom zaisti\u0165 plnenie povinnost\u00ed na konsolidovanom z\u00e1klade (\u010dl. 21a, ktor\u00fd je n\u00e1vrhom z\u00e1kona transponovan\u00fd do \u00a7 20a a\u017e \u00a7 20c z\u00e1kona \u010d. 483\/2001 Z. z.).<\/p>\n
<\/h6>\n\n- Zriadenie sprostredkuj\u00facej materskej spolo\u010dnos\u0165 v\u00a0Eur\u00f3pskej \u00fanii (\u00a7 20c n\u00e1vrhu z\u00e1kona)<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
Pre ve\u013ek\u00e9 skupiny, ktor\u00fdch matersk\u00e1 spolo\u010dnos\u0165 m\u00e1 s\u00eddlo mimo Eur\u00f3pskej \u00fanie<\/strong> a ktor\u00fdch s\u00fa\u010das\u0165ou s\u00fa aspo\u0148 dve dc\u00e9rske in\u0161tit\u00facie so s\u00eddlom v\u00a0Eur\u00f3pskej \u00fanii<\/strong>, sa zav\u00e1dza povinnos\u0165 zriadi\u0165 tzv.<\/strong> sprostredkuj\u00facu matersk\u00fa spolo\u010dnos\u0165 v\u00a0Eur\u00f3pskej \u00fanii<\/strong>. Snahou je u\u013eah\u010di\u0165 doh\u013ead nad t\u00fdmito in\u0161tit\u00faciami a\u00a0zv\u00fd\u0161i\u0165 sp\u00f4sobilos\u0165 dotknut\u00fdch subjektov pri rie\u0161en\u00ed kr\u00edz. Pre skupiny z\u00a0tret\u00edch kraj\u00edn, ktor\u00e9 p\u00f4sobia v\u00a0Eur\u00f3pskej \u00fanii prostredn\u00edctvom viac ako jednej in\u0161tit\u00facie a\u00a0ich celkov\u00e1 hodnota akt\u00edv k\u00a027. j\u00fanu 2019 je viac ako 40 mili\u00e1rd eur, je \u00fa\u010dinnos\u0165 tejto povinnosti odlo\u017een\u00e1 na koniec roka 2023.<\/p>\n<\/h6>\n\n- Opr\u00e1vnenie NBS po\u017eadova\u0165 v\u00fdmenu aud\u00edtora (\u00a7 40 ods. 8)<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
N\u00e1vrh z\u00e1kona zav\u00e1dza nov\u00e9 opr\u00e1vnenie NBS po\u017eadova\u0165, aby banka nahradila aud\u00edtora, ak si aud\u00edtor nepln\u00ed povinnosti vypl\u00fdvaj\u00face mu zo z\u00e1kona (napr. povinnos\u0165 informova\u0165 NBS o\u00a0tom, \u017ee banka zostavuje svoje \u00fa\u010dtovn\u00e9 v\u00fdkazy nespr\u00e1vne alebo ne\u00faplne).<\/p>\n
<\/h6>\n\n- Evidencia \u00faverov poskytnut\u00fdch vybran\u00fdm osob\u00e1m (\u00a7 23 ods. 10)<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
Ustanovuje sa, aby banka, resp. finan\u010dn\u00e1 holdingov\u00e1 spolo\u010dnos\u0165 a zmie\u0161an\u00e1 finan\u010dn\u00e1 holdingov\u00e1 spolo\u010dnos\u0165 povinne evidovala \u00fadaje o \u00faveroch poskytnut\u00fdch \u010dlenom \u0161tatut\u00e1rneho org\u00e1nu, dozornej rady banky a ich spriaznen\u00fdm osob\u00e1m, pri\u010dom tieto n\u00e1vrh z\u00e1kona osobitne definuje.<\/p>\n
<\/h6>\n\n- Opr\u00e1vnenie NBS vy\u017eadova\u0165 pri riaden\u00ed \u00farokov\u00e9ho rizika vypl\u00fdvaj\u00faceho z\u00a0\u010dinnost\u00ed zaznamenan\u00fdch v\u00a0bankovej knihe a pou\u017e\u00edvanie \u0161tandardizovanej metodiky (\u00a7 27 ods. 7 a\u00a020)<\/strong><\/strong><\/li>\n<\/ol>\n
<\/h6>\n
NBS je opr\u00e1vnen\u00e1 po\u017eadova\u0165, aby banka v\u00a0pr\u00edpade riadenia \u00farokov\u00e9ho rizika vypl\u00fdvaj\u00faceho z\u00a0\u010dinnost\u00ed zaznamenan\u00fdch v\u00a0bankovej knihe namiesto intern\u00fdch modelov pou\u017eila \u0161tandardizovan\u00fa metodiku, ak NBS vyhodnot\u00ed, \u017ee implementovan\u00fd intern\u00fd syst\u00e9m nie je pre hodnotenie rizika uspokojiv\u00fd. \u0160tandardizovan\u00fa metodiku stanov\u00ed priamo uplatnite\u013en\u00fd predpis Komisie v\u00a0prenesenej pr\u00e1vomoci.<\/p>\n
<\/h6>\n\n- Zmeny v\u00a0\u00faprave odme\u0148ovania \u0161tatut\u00e1rov a\u00a0vybran\u00fdch zamestnancov<\/strong> (\u00a7 23a a\u017e\u00a023c)<\/strong><\/li>\n<\/ol>\n
<\/h6>\n
Pod\u013ea d\u00f4vodovej spr\u00e1vy je cie\u013eom navrhovanej \u00fapravy predov\u0161etk\u00fdm zoh\u013eadni\u0165 princ\u00edp proporcionality, najm\u00e4 v\u00a0pr\u00edpadoch vymedzen\u00fdch mal\u00fdch in\u0161tit\u00faci\u00ed a\u00a0zamestnancov s\u00a0n\u00edzkymi \u00farov\u0148ami pohyblivej zlo\u017eky odme\u0148ovania. V\u00a0zmysle textu navrhovanej \u00fapravy sa v\u00a0prvom rade upres\u0148uje a\u00a0z\u00e1rove\u0148 roz\u0161iruje okruh zamestnancov, na ktor\u00fdch sa z\u00e1sady odme\u0148ovania vz\u0165ahuj\u00fa. Napr\u00edklad, p\u00f4vodn\u00e9 znenie neupravovalo \u017eiadne konkr\u00e9tne limity odmeny zamestnancov, na ktor\u00fdch sa z\u00e1sady vz\u0165ahuj\u00fa. Pod\u013ea novej \u00fapravy p\u00f4jde o\u00a0zamestnancov, ktor\u00ed maj\u00fa n\u00e1rok na odmenu za predch\u00e1dzaj\u00faci rok vo v\u00fd\u0161ke aspo\u0148 500\u00a0000 eur. \u010eal\u0161ie zmeny sa t\u00fdkaj\u00fa definovania a\u00a0zav\u00e1dzania nov\u00fdch princ\u00edpov odme\u0148ovania.<\/p>\n
<\/h6>\n
Rokovanie NR SR: od 31. augusta 2020\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Navrhovan\u00e1 \u00fa\u010dinnos\u0165: D\u0148om vyhl\u00e1senia<\/p>\n
\n <\/p>","protected":false},"excerpt":{"rendered":"
N\u00e1vrh z\u00e1kona, ktor\u00fdm sa men\u00ed a\u00a0dop\u013a\u0148a z\u00e1kon \u010d. 483\/2001 Z. z. o\u00a0bank\u00e1ch a\u00a0o\u00a0zmene a\u00a0doplnen\u00ed niektor\u00fdch z\u00e1konov v\u00a0znen\u00ed neskor\u0161\u00edch predpisov a\u00a0ktor\u00fdm sa menia a\u00a0dop\u013a\u0148aj\u00fa niektor\u00e9 z\u00e1kony …<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[47],"tags":[],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36048"}],"collection":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/comments?post=36048"}],"version-history":[{"count":0,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36048\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/media?parent=36048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/categories?post=36048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/tags?post=36048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}