{"id":23327,"date":"2026-03-11T16:33:19","date_gmt":"2026-03-11T15:33:19","guid":{"rendered":"https:\/\/www.podivinsky.cz\/?p=23327"},"modified":"2026-03-11T16:33:27","modified_gmt":"2026-03-11T15:33:27","slug":"kdo-se-nebude-branit-nebo-neprejde-jinam-nechaji-ho-zdechnout-orwelle-ty-to-vidis","status":"publish","type":"post","link":"https:\/\/www.podivinsky.cz\/?p=23327","title":{"rendered":"Kdo se nebude br\u00e1nit nebo nep\u0159ejde jinam, nechaj\u00ed ho zdechnout! Orwelle ty to vid\u00ed\u0161!"},"content":{"rendered":"\n

Ka\u017ed\u00e9ho klienta kv\u016fli EU proklepnou Komer\u010dn\u00ed banka \u010di \u010cesk\u00e1 spo\u0159itelna. V\u00edc a v\u00edc<\/h1>\n\n\n\n

11.03.2026 13:54 | Anal\u00fdza<\/p>\n\n\n\n

autor: Radek Kotas<\/strong><\/a><\/em><\/p>\n\n\n\n

Banky st\u00e1le v\u00edce p\u0159istupuj\u00ed k selekci klient\u016f na z\u00e1klad\u011b jejich emisn\u00edho sk\u00f3re a odm\u00edtaj\u00ed nap\u0159\u00edklad p\u016fj\u010dovat neekologick\u00fdm firm\u00e1m \u010di lidem z n\u011bkter\u00fdch odv\u011btv\u00ed. D\u016fvod, pro\u010d st\u00e1le v\u00edce bank lp\u00ed na \u201eemisn\u00ed \u010distotu\u201c sv\u00fdch klient\u016f, tkv\u00ed v po\u017eadavc\u00edch Evropsk\u00e9 centr\u00e1ln\u00ed banky (ECB). Bank\u00e1m, kter\u00e9 dostate\u010dn\u011b nezv\u00e1\u017eily klimatick\u00e1 rizika ji\u017e za\u010daly chodit pokuty, vyplynulo mimo jin\u00e9 z vyj\u00e1d\u0159en\u00ed, na kter\u00e9 Parlamentn\u00edListy.cz odk\u00e1zala ECB.<\/strong><\/p>\n\n\n\n

\"Ka\u017ed\u00e9ho
Foto: Hans \u0160tembera<\/strong>
Popisek: Bankomat<\/strong><\/small><\/figcaption><\/figure>\n\n\n\n

<\/p>\n\n\n\n

Evropsk\u00e9 banky selektuj\u00ed klienty podle jejich p\u0159\u00edznivosti pro klima z d\u016fvodu tlaku Evropsk\u00e9 centr\u00e1ln\u00ed banky (ECB) a Evropsk\u00e9ho org\u00e1nu pro bankovnictv\u00ed (EBA) v posledn\u00edch letech \u010d\u00edm d\u00e1l v\u00edce, jeliko\u017e se dost\u00e1vaj\u00ed do st\u00e1le v\u011bt\u0161\u00edho drobnohledu, aby dr\u017eely co nejm\u00e9n\u011b \u00fav\u011br\u016f, kter\u00e9 nejsou dostate\u010dn\u011b \u201eklimaticky \u010dist\u00e9\u201c, a pokud se rozhodnou klienty podle dan\u00fdch pravidel nerozd\u011blovat, musej\u00ed po\u010d\u00edtat s v\u011bt\u0161\u00ed z\u00e1t\u011b\u017e\u00ed, jako jsou vy\u0161\u0161\u00ed kapit\u00e1lov\u00e9 rezervy, \u010di hor\u0161\u00edm environment\u00e1ln\u00edm ohodnocen\u00edm, kter\u00e9 je kl\u00ed\u010dov\u00e9 pro \u010d\u00e1st akcion\u00e1\u0159\u016f.<\/p>\n\n\n\n

P\u0159esto\u017ee nepanuje p\u0159\u00edm\u00fd tlak na nejv\u011bt\u0161\u00ed banky, aby ned\u00e1valy pen\u00edze klient\u016fm z obor\u016f s vysokou uhl\u00edkovou stopou, kv\u016fli ekonomick\u00fdm rizik\u016fm a regulatorn\u00edmu tlaku na \u0159\u00edzen\u00ed rizik se tak d\u011bje a mnoh\u00e9 finan\u010dn\u00ed domy ji\u017e maj\u00ed od sv\u00fdch zahrani\u010dn\u00edch mate\u0159sk\u00fdch vlastn\u00edk\u016f dobrovolnou stopku na p\u0159\u00edjem \u201e\u0161pinav\u00fdch\u201c klient\u016f a firem, kter\u00e9 nap\u0159\u00edklad p\u016fsob\u00ed v uheln\u00e9 energetice. To v\u0161e je nav\u00edc u \u010d\u00e1sti z nich dopln\u011bn\u00e9 tvrd\u00fdmi ESG pravidly, kdy se krom\u011b environment\u00e1ln\u00edho faktoru posuzuj\u00ed i spole\u010densk\u00e1 rizika, co\u017e vedlo k paradoxn\u00ed situaci, \u017ee i v sou\u010dasn\u00e9 dob\u011b \u010d\u00e1st bank odm\u00edt\u00e1 financov\u00e1n\u00ed obrann\u00e9ho pr\u016fmyslu.<\/p>\n\n\n\n

Nejv\u011bt\u0161\u00edch p\u011bt bank na \u010desk\u00e9m trhu se na procesy pro hodnocen\u00ed klimatick\u00fdch rizik p\u0159i v\u00fdb\u011bru klient\u016f odkazuje. \u010cesk\u00e1 spo\u0159itelna, \u010cSOB, Komer\u010dn\u00ed banka, UniCredit Bank a Raiffeisenbank oznamuj\u00ed, \u017ee pr\u00e1v\u011b udr\u017eitelnost je pro n\u011b p\u0159i p\u0159\u00edstupu k jejich klient\u016fm kl\u00ed\u010dov\u00fd faktor.<\/p>\n\n\n\n

\u201eUdr\u017eitelnost je v \u010cesk\u00e9 spo\u0159iteln\u011b za\u010dlen\u011bna do z\u00e1kladn\u00ed strategie, aby tak postupn\u011b prostupovala v\u0161\u00edm, co d\u011bl\u00e1me,\u201c p\u00ed\u0161e jedna z nejv\u011bt\u0161\u00edch \u010desk\u00fdch bank a pro leto\u0161ek si dala za c\u00edl, \u017ee 25 % firemn\u00edch \u00fav\u011br\u016f bude tvo\u0159eno financov\u00e1n\u00edm udr\u017eiteln\u00fdch investic. \u201ePodporujeme firmy v\u0161ech velikost\u00ed v projektech zam\u011b\u0159en\u00fdch nap\u0159. na obnoviteln\u00e9 zdroje energie, energetick\u00e9 \u00faspory v budov\u00e1ch, n\u00edzkoemisn\u00ed technologie a udr\u017eitelnou dopravu,\u201c zn\u00ed.

Tam ale cesta nejv\u011bt\u0161\u00edho \u010desk\u00e9ho bankovn\u00edho domu nekon\u010d\u00ed. C\u00edle \u010cesk\u00e9 spo\u0159itelny hovo\u0159\u00ed<\/a> o tom, \u017ee by v p\u0159\u00ed\u0161t\u00edm \u010dtvrtlet\u00ed ji\u017e m\u011bla b\u00fdt snaha zav\u00e9st orientaci na \u00faplnou \u010distotu uhl\u00edkov\u00e9 stopy. \u201eUsilujeme o dosa\u017een\u00ed \u010dist\u00e9 nulov\u00e9 uhl\u00edkov\u00e9 stopy na\u0161eho portfolia do roku 2050,\u201c p\u00ed\u0161e bankovn\u00ed d\u016fm.

Tvrd\u00ed p\u0159itom, \u017ee selekce klient\u016f podle emis\u00ed je pro dobro v\u0161ech. \u201eChceme b\u00fdt p\u0159\u00edkladem toho, \u017ee spole\u010densky odpov\u011bdn\u00e9 firmy jsou stabiln\u011bj\u0161\u00ed, l\u00e9pe p\u0159ipraven\u00e9 na budouc\u00ed v\u00fdzvy a maj\u00ed dlouhodob\u011b lep\u0161\u00ed v\u00fdsledky. Usilujeme o to uk\u00e1zat, \u017ee udr\u017eitelnost nemus\u00ed znamenat omezen\u00ed, ale naopak m\u016f\u017ee b\u00fdt hnac\u00ed silou inovac\u00ed a dlouhodob\u00e9ho \u00fasp\u011bchu \u010cesk\u00e9 spo\u0159itelny, na\u0161ich klient\u016f a cel\u00e9 \u010desk\u00e9 ekonomiky,\u201c hovo\u0159\u00ed strategie udr\u017eitelnosti \u010cesk\u00e9 spo\u0159itelny.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

FOTO: Zpr\u00e1va o spole\u010densk\u00e9 odpov\u011bdnosti a udr\u017eitelnosti skupiny \u010cSOB za rok 2024<\/em><\/p>\n\n\n\n

Sm\u016flu mohou m\u00edt p\u0159itom nejen lid\u00e9 z t\u011b\u017eebn\u00edho pr\u016fmyslu. \u010cesk\u00e1 spo\u0159itelna toti\u017e tvrd\u00ed, \u017ee v\u011bnuje \u201ezvl\u00e1\u0161tn\u00ed pozornost etick\u00fdm, soci\u00e1ln\u00edm a environment\u00e1ln\u00edm aspekt\u016fm p\u0159i rozhodov\u00e1n\u00ed o investov\u00e1n\u00ed nebo poskytov\u00e1n\u00ed \u00fav\u011br\u016f\u201c a jej\u00ed \u201epolitika odpov\u011bdn\u00e9ho financov\u00e1n\u00ed\u201c vymezuje \u201epravidla pro financov\u00e1n\u00ed odv\u011btv\u00ed s nep\u0159\u00edzniv\u00fdm dopadem na \u017eivotn\u00ed prost\u0159ed\u00ed a spole\u010dnost, jako jsou energetika nebo zbrojn\u00ed pr\u016fmysl\u201c. Rakousk\u00e1 skupina Erste, pod ni\u017e \u010cesk\u00e1 spo\u0159itelna pat\u0159\u00ed, klient\u016fm po\u010d\u00edt\u00e1 sv\u00e9 ESG sk\u00f3re, a pokud nedos\u00e1hnou klimaticky a soci\u00e1ln\u011b dostate\u010dn\u00e9ho hodnocen\u00ed, maj\u00ed nap\u0159\u00edklad sm\u016flu p\u0159i \u017e\u00e1dosti o financov\u00e1n\u00ed.

Podobn\u011b nezah\u00e1l\u00ed \u010cSOB z belgick\u00e9 skupiny KBC. Ta razantn\u011b omezuje<\/a> financov\u00e1n\u00ed projekt\u016f, kter\u00e9 nejsou dostate\u010dn\u011b klimaticky p\u0159\u00edv\u011btiv\u00e9, a nav\u00edc motivuje sv\u00e9 zam\u011bstnance, aby ESG c\u00edle bedliv\u011b sledovali. Pr\u00e1v\u011b pln\u011bn\u00ed ESG c\u00edl\u016f tvo\u0159\u00ed 10 % variabiln\u00ed slo\u017eky odm\u011b\u0148ov\u00e1n\u00ed vrcholov\u00e9ho managementu banky a striktn\u011b je uplat\u0148ov\u00e1no hodnocen\u00ed klient\u016f, kdy klimaticky p\u0159\u00edzniv\u00ed jsou zv\u00fdhodn\u011bni a ti s nejv\u011bt\u0161\u00ed uhl\u00edkovou stopou jsou bankou vy\u0159azeni z mo\u017enosti z\u00edskat od n\u00ed pen\u00edze.

\u201eZm\u011bny klimatu a \u00fabytek p\u0159\u00edrodn\u00edch zdroj\u016f p\u0159edstavuj\u00ed nejv\u011bt\u0161\u00ed v\u00fdzvy pro dne\u0161n\u00ed sv\u011bt. \u010cSOB si je v\u011bdom\u00e1 toho, \u017ee i ka\u017edodenn\u00ed pracovn\u00ed \u010dinnosti maj\u00ed p\u0159\u00edm\u00fd, nebo nep\u0159\u00edm\u00fd negativn\u00ed dopad na \u017eivotn\u00ed prost\u0159ed\u00ed a na prohlubov\u00e1n\u00ed glob\u00e1ln\u00edch probl\u00e9m\u016f v t\u00e9to oblasti. Hled\u00e1n\u00ed cesty k udr\u017eitelnosti a v\u011bdom\u00e9mu hospod\u00e1\u0159sk\u00e9mu r\u016fstu a rozvoji je spole\u010densk\u00fdm \u00fakolem,\u201c uv\u00e1d\u00ed \u010cSOB.<\/p>\n\n\n\n

Premiantem v boji s klimatickou zm\u011bnou i za cenu tvrd\u00e9 selekce klient\u016f je dlouhodob\u011b Komer\u010dn\u00ed banka z francouzsk\u00e9 skupiny Soci\u00e9t\u00e9 G\u00e9n\u00e9rale. Firemn\u00ed \u00fav\u011bry striktn\u011b kategorizuje<\/a> podle toho, zda maj\u00ed pozitivn\u00ed environment\u00e1ln\u00ed p\u0159\u00ednos, a disponuje velmi objemn\u00fdm seznamem po\u017eadavk\u016f. N\u011bkter\u00e9 z nich p\u0159\u00edmo jmenuj\u00ed, \u017ee je jak\u00e1koli koruna pro klienta z dan\u00e9ho odv\u011btv\u00ed \u00fapln\u00e9 tabu. Specifick\u00e9 restriktivn\u00ed politiky banka m\u00e1 nastaven\u00e9 pro t\u011b\u017ebu uhl\u00ed, ropu a plyn, tepelnou energetiku \u010di zem\u011bd\u011blstv\u00ed.

N\u011bkte\u0159\u00ed z klient\u016f ji\u017e nepochod\u00ed u \u017e\u00e1dn\u00e9 z nejv\u011bt\u0161\u00edch bank. Tak\u00e9 UniCredit Bank informuje<\/a>, \u017ee je jej\u00edm c\u00edlem, aby v r\u00e1mci sv\u00e9ho \u00fav\u011brov\u00e9ho portfolia dos\u00e1hla financovan\u00fdch nulov\u00fdch emis\u00ed do roku 2050. \u201eSni\u017eujeme financovan\u00ed emis\u00ed s c\u00edlem dosa\u017een\u00ed uhl\u00edkov\u00e9 neutrality,\u201c hl\u00e1s\u00ed sv\u016fj postoj.

A rovn\u011b\u017e Raiffeisenbank nevynech\u00e1v\u00e1 striktn\u00ed vyhodnocov\u00e1n\u00ed nap\u0159\u00edklad toho, zda klienti nep\u0159isp\u00edvaj\u00ed ke zm\u011bn\u00e1m klimatu \u010di od nich nehroz\u00ed environment\u00e1ln\u00ed riziko. \u201eRaiffeisenbank se hrd\u011b a aktivn\u011b hl\u00e1s\u00ed k princip\u016fm odpov\u011bdn\u00e9ho bankovnictv\u00ed. Jsme si v\u011bdomi kl\u00ed\u010dov\u00e9 role a velk\u00e9 odpov\u011bdnosti, kterou jako banka v procesu zelen\u00e9 transformace a jej\u00edho financov\u00e1n\u00ed m\u00e1me. Proto chceme b\u00fdt spole\u010dnost\u00ed, kter\u00e1 je environment\u00e1ln\u011b i spole\u010densky odpov\u011bdn\u00e1,\u201c sd\u011bluje<\/a>.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

FOTO: Repro webov\u00e9 str\u00e1nky \u010cesk\u00e9 spo\u0159itelny<\/em><\/p>\n\n\n\n

Pro\u010d cht\u011bj\u00ed b\u00fdt banky st\u00e1le v\u00edce zelen\u00e9? Tlak poch\u00e1z\u00ed z unie<\/strong>

Odpov\u011b\u010f na ot\u00e1zku, pro\u010d cht\u011bj\u00ed b\u00fdt banky st\u00e1le v\u00edce zelen\u00e9, by\u0165 t\u00edm samy p\u0159ich\u00e1zej\u00ed o mo\u017en\u00e9, velmi lukrativn\u00ed klienty, lze naj\u00edt nejen v tlaku od mate\u0159sk\u00fdch spole\u010dnost\u00ed. Do hry vstupuj\u00ed zejm\u00e9na pravidla EU a ECB. Zahrani\u010dn\u00ed investo\u0159i, velk\u00e9 poji\u0161\u0165ovny a penzijn\u00ed fondy dnes hodnot\u00ed riziko podle standard\u016f, kter\u00e9 nastavuje ECB a EU, a p\u0159i nen\u00e1sledov\u00e1n\u00ed unijn\u00edch pravidel by bank\u00e1m hrozilo, \u017ee se jim stane p\u0159esn\u011b to sam\u00e9, co uplat\u0148uj\u00ed v\u016f\u010di sv\u00fdm klient\u016fm z t\u011b\u017eebn\u00edho \u010di obrann\u00e9ho pr\u016fmyslu \u2013 tedy \u017ee budou nemilosrdn\u011b vy\u0161krtnuty.

Mimo to je k n\u00e1sledov\u00e1n\u00ed pravidel v\u016f\u010di bank\u00e1m tlak i od samotn\u00fdch unijn\u00edch instituc\u00ed. ECB a EBA vyd\u00e1vaj\u00ed pro banky v cel\u00e9 Evropsk\u00e9 unii z\u00e1vazn\u00e9 sm\u011brnice pro hodnocen\u00ed \u00fav\u011br\u016f, boj proti pran\u00ed \u0161pinav\u00fdch pen\u011bz nebo pr\u00e1v\u011b pro ESG a klimatick\u00e1 rizika a v p\u0159\u00edpad\u011b jejich nen\u00e1sledov\u00e1n\u00ed jsou finan\u010dn\u00ed domy postaveny p\u0159ed vysok\u00e9 pokuty.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Evropsk\u00e1 centr\u00e1ln\u00ed banka p\u0159ed n\u011bkolika lety dala bank\u00e1m za povinnost zahrnout posuzov\u00e1n\u00ed klimatick\u00fdch a environment\u00e1ln\u00edch rizik. \u201eN\u011bkter\u00e9 banky ji\u017e za\u010daly pl\u00e1novat p\u0159echod na n\u00edzkouhl\u00edkovou ekonomiku a komunikovat se sv\u00fdmi klienty. Ve v\u011bt\u0161in\u011b bank v\u0161ak st\u00e1le p\u0159evl\u00e1d\u00e1 vy\u010dk\u00e1vac\u00ed p\u0159\u00edstup. Banky si nap\u0159\u00edklad nestanovuj\u00ed pr\u016fb\u011b\u017en\u00e9 c\u00edle ani limity pro podstupov\u00e1n\u00ed rizik s c\u00edlem plnit sv\u00e9 dlouhodob\u00e9 strategick\u00e9 z\u00e1vazky, nebo je stanovuj\u00ed tak, aby bezprost\u0159edn\u00ed dopad na podnik\u00e1n\u00ed banky byl zanedbateln\u00fd,\u201c st\u011b\u017eovalala si ECB v roce 2022, na\u010de\u017e p\u0159i\u0161lo zp\u0159\u00edsn\u011bn\u00ed v podob\u011b pevn\u00fdch po\u017eadavk\u016f.<\/p>\n\n\n\n

Bankovn\u00ed spole\u010dnosti, kter\u00e9 klienty neselektovaly dostate\u010dn\u011b, pak musely po\u010d\u00edtat s t\u00edm, \u017ee na n\u011b mohou dopadnout donucovac\u00ed opat\u0159en\u00ed ECB<\/a>, spo\u010d\u00edvaj\u00edc\u00ed nap\u0159\u00edklad v pravideln\u00fdch pen\u00e1le za nepln\u011bn\u00ed pravidel.<\/p>\n\n\n\n

Velk\u00e9 pokuty za nedodr\u017een\u00ed rozhodnut\u00ed ECB o klimatick\u00fdch a environment\u00e1ln\u00edch rizic\u00edch za\u010daly padat v posledn\u00edch m\u011bs\u00edc\u00edch a pen\u00e1le ve v\u00fd\u0161i 187 650 eur (v p\u0159epo\u010dtu p\u0159ibli\u017en\u011b 4 577 000 K\u010d) vloni v listopadu dostala vym\u011b\u0159en\u00e9<\/a> \u0161pan\u011blsk\u00e1 Abanca.<\/p>\n\n\n\n

N\u00e1sledn\u011b v p\u016flce listopadu padla pokuta<\/a> kv\u016fli stejn\u00e9mu provin\u011bn\u00ed pro francouzskou Cr\u00e9dit Agricole ve v\u00fd\u0161i 7 551 050 eur (v p\u0159epo\u010dtu p\u0159ibli\u017en\u011b 184 207 000 K\u010d).

Ke zna\u010dn\u00e9 pokut\u011b, kterou Cr\u00e9dit Agricole dostala kv\u016fli nepln\u011bn\u00ed po\u017eadavk\u016f ECB, aby banky \u0159\u00eddily rizika plynouc\u00ed ze zm\u011bn klimatu a emis\u00ed, se spole\u010dnost pro agenturu Bloomberg vyj\u00e1d\u0159ila<\/a> se slovy o \u201enepochopen\u00ed\u201c ohledn\u011b z\u00e1le\u017eitosti, kterou ozna\u010dila za \u201e\u010dist\u011b administrativn\u00ed\u201c. Dodala, \u017ee \u201eve sv\u00fdch modelech klimatick\u00e1 a environment\u00e1ln\u00ed rizika zohled\u0148uje\u201c.

ECB tvrd\u00ed, \u017ee j\u00ed jde o p\u0159ipravenost bank. Na ot\u00e1zku ohledn\u011b aktu\u00e1ln\u00edho n\u00e1hledu na \u0159\u00edzen\u00ed klimatick\u00fdch a p\u0159\u00edrodn\u00edch rizik ze strany evropsk\u00fdch bank redakci Parlamentn\u00edchList\u016f.cz Evropsk\u00e1 centr\u00e1ln\u00ed banka odk\u00e1zala na slova \u010dlena V\u00fdkonn\u00e9 rady ECB a m\u00edstop\u0159edsedy Rady dohledu ECB Franka Eldersona z lo\u0148sk\u00e9ho \u010dervence. Tehdy tento p\u0159edstavitel ECB hovo\u0159il o pokroku, kter\u00fd mus\u00ed pokra\u010dovat.<\/p>\n\n\n\n

\u201eEvropsk\u00e9 banky dos\u00e1hly pokroku v \u0159\u00edzen\u00ed rizik souvisej\u00edc\u00edch s klimatem a p\u0159\u00edrodou. Je v\u0161ak st\u00e1le t\u0159eba ud\u011blat v\u00edce, proto\u017ee \u010dasto vid\u00edme, \u017ee postupy se uplat\u0148uj\u00ed pouze na podmno\u017einu relevantn\u00edch expozic, zem\u011bpisn\u00fdch oblast\u00ed a kategori\u00ed rizik,\u201c zhodnotil Elderson.

ECB uv\u00e1d\u00ed, \u017ee \u201erizika souvisej\u00edc\u00ed s klimatem a p\u0159\u00edrodou jsou ji\u017e realitou a jejich z\u00e1va\u017enost jednozna\u010dn\u011b roste\u201c. \u201eA proto musej\u00ed i banky d\u00e1le zlep\u0161it svou p\u0159ipravenost.\u201c \u201eGlob\u00e1ln\u00ed oteplov\u00e1n\u00ed je ji\u017e na pokraji p\u0159ekro\u010den\u00ed hranice 1,5 stupn\u011b Celsia. Bohu\u017eel je sv\u011bt na cest\u011b k pr\u016fm\u011brn\u00e9mu n\u00e1r\u016fstu teploty o 3,1 stupn\u011b Celsia do konce stolet\u00ed. A i to z\u00e1vis\u00ed na tom, zda se v\u0161echny vl\u00e1dy budou dr\u017eet sv\u00fdch sou\u010dasn\u00fdch politik a zda je budou v\u010das a v pln\u00e9m rozsahu implementovat,\u201c varuje p\u0159itom.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ka\u017ed\u00e9ho klienta kv\u016fli EU proklepnou Komer\u010dn\u00ed banka \u010di \u010cesk\u00e1 spo\u0159itelna. V\u00edc a v\u00edc 11.03.2026 13:54 | Anal\u00fdza autor: Radek Kotas Banky st\u00e1le v\u00edce p\u0159istupuj\u00ed k selekci klient\u016f na z\u00e1klad\u011b jejich emisn\u00edho sk\u00f3re a odm\u00edtaj\u00ed nap\u0159\u00edklad p\u016fj\u010dovat neekologick\u00fdm firm\u00e1m \u010di lidem z n\u011bkter\u00fdch odv\u011btv\u00ed. D\u016fvod, pro\u010d st\u00e1le v\u00edce bank lp\u00ed na \u201eemisn\u00ed \u010distotu\u201c sv\u00fdch klient\u016f, tkv\u00ed v … Pokra\u010dov\u00e1n\u00ed textu Kdo se nebude br\u00e1nit nebo nep\u0159ejde jinam, nechaj\u00ed ho zdechnout! Orwelle ty to vid\u00ed\u0161!<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-23327","post","type-post","status-publish","format-standard","hentry","category-pc"],"_links":{"self":[{"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/posts\/23327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23327"}],"version-history":[{"count":1,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/posts\/23327\/revisions"}],"predecessor-version":[{"id":23328,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=\/wp\/v2\/posts\/23327\/revisions\/23328"}],"wp:attachment":[{"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.podivinsky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}