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\sbasedon0\snext243 header;}{\f3\fs20\lang1029 \snext0 Normal;}}{\info{\title 23}{\creatim\yr1999\mo2\dy28\hr14\min35}{\revtim\yr1999\mo3\dy7\hr13\min28}{\printim\yr1999\mo3\dy30\hr9\min15}{\version8}{\edmins243}{\nofpages8}{\nofwords2239}{\nofchars17899}
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{\field{\*\fldinst page }{\fldrslt 2}} -
\par }\pard\plain \qc \f3\fs20\lang1029 {\b\f4\fs40 23.}{\b\f4\fs40
\par }{\b\f2\fs40 Bankovn\'ed soustava v \'c8R}{\b\f2\fs40
\par }{\b\f4\fs40
\par }\pard {\f4
\par }{\f4 1) Bankovn}{\f4 \'ed}{\f4 soustava}{\f4
\par }{\f2 2) }{\f2 \'c8}{\f2 NB - funkce}{\f2
\par }{\f2 3) Komer}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 banky - otev}{\f2 \'f8}{\f2 en}{\f2 \'ed}{\f2 a veden}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu}{\f2
\par }{\f2 - zprost}{\f2 \'f8}{\f2 edkov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2
\par }{\f2 - devizov}{\f2 \'e9}{\f2 a sm}{\f2 \'ec}{\f2 n}{\f2 \'e1}{\f2 rensk}{\f2 \'e9}{\f2 obchody}{\f2
\par }{\f4 }{\f2 - jednoduch}{\f2 \'e9}{\f2 a slo}{\f2 \'9e}{\f2 en}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 rokov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2
\par }{\f2 4) Mezin}{\f2 \'e1}{\f2 rodn}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 nov}{\f2 \'e9}{\f2 instituce}{\f2
\par }{\f4
\par }{\b\f4\fs32\ul 1) Bankovn}{\b\f4\fs32\ul \'ed}{\b\f4\fs32\ul soustava}{\b\f4\fs32\ul
\par }{\f4
\par }{\f4\ul Pen}{\f4\ul \'ed}{\f4\ul ze}{\f4\ul
\par }{\f2 - prost}{\f2 \'f8}{\f2 edek sm}{\f2 \'ec}{\f2 ny}{\f2
\par }{\f4
\par }{\f4\ul Banky}{\f4\ul
\par }{\f4 - kupuj}{\f4 \'ed}{\f4 a prod}{\f4 \'e1}{\f4 vaj}{\f4 \'ed}{\f4 pen}{\f4 \'ed}{\f4 ze}{\f4
\par }{\f2 - uskute}{\f2 \'e8}{\f2 \'f2}{\f2 uj}{\f2 \'ed}{\f2 obchody s pen}{\f2 \'ec}{\f2 zi}{\f2
\par }{\f2 - operuj}{\f2 \'ed}{\f2 na finan}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 m trhu - pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 trh (kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry)}{\f2
\par }{\f4 }{\f2 - kapit}{\f2 \'e1}{\f2 lov}{\f2 \'fd}{\f2 trh (dlouhodob}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry)}{\f2
\par }{\f2 - devizov}{\f2 \'fd}{\f2 trh (obchodov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 s ciz}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 nou)}{\f2
\par }{\f2 - je to speci}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 instituce}{\f2 kam si m}{\f2 \'f9}{\f2 \'9e}{\f2 eme ulo}{\f2 \'9e}{\f2 it pen}{\f2 \'ed}{\f2 ze, nebo si pen}{\f2 \'ed}{\f2 ze vyp}{\f2 \'f9}{\f2 j}{\f2 \'e8}{\f2 it}{\f2
\par }{\f4
\par }{\f2\ul Dvoustup}{\f2\ul \'f2}{\f2\ul ov}{\f2\ul \'e1}{\f2\ul bankovn}{\f2\ul \'ed}{\f2\ul s}{\f4\ul oustava}{\f4\ul
\par }{\f2 1) banka centr}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 (cedulov}{\f2 \'e1}{\f2 ) - v}{\f2 \'9e}{\f2 dycky souvis}{\f2 \'ed}{\f2 a spolupracuje s vl}{\f2 \'e1}{\f2 dou a m}{\f2 \'e1}{\f2 jin}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 koly ne}{\f2 \'9e}{\f2 komer}{
\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2
\par }{\f2 banky (}{\f2 \'c8}{\f2 NB)}{\f2
\par }{\f2 2) banky komer}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 (obchodn}{\f2 \'ed}{\f2 ) - nakupuj}{\f2 \'ed}{\f2 pen}{\f2 \'ed}{\f2 ze od klient}{\f2 \'f9}{\f2 a prod}{\f2 \'e1}{\f2 vaj}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry}{\f2
\par }{\f4 }{\f2 - na}{\f2 \'9a}{\f2 e - KB, IPB, }{\f2 \'c8}{\f2 S}{\f2
\par }{\f4 - ciz}{\f4 \'ed}{\f4 - City bank, Raifansen bank}{\f4
\par }{\f4 - mezin}{\f4 \'e1}{\f4 rodn}{\f4 \'ed}{\f4 - Evropsk}{\f4 \'e1}{\f4 banka pro obnovu a rozvoj}{\f4
\par }{\f4
\par }{\f4
\par }{\b\f2\fs32\ul 2) }{\b\f2\fs32\ul \'c8}{\b\f2\fs32\ul esk}{\b\f2\fs32\ul \'e1}{\b\f2\fs32\ul n}{\b\f2\fs32\ul \'e1}{\b\f2\fs32\ul r}{\b\f4\fs32\ul odn}{\b\f4\fs32\ul \'ed}{\b\f4\fs32\ul banka}{\b\f4\fs32\ul
\par }{\f4 - je propojena se st}{\f4 \'e1}{\f4 tem}{\f4
\par }{\f4 - vznik: 1993}{\f4
\par }{\f2 - v }{\f2 \'e8}{\f2 ele je Josef To}{\f2 \'9a}{\f2 ovsk}{\f2 \'fd}{\f2
\par }{\f2 - pln}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 koly m}{\f2 \'ec}{\f2 nov}{\f2 \'e9}{\f2 politiky}{\f2
\par }{\f2 - }{\f2 \'f8}{\f2 \'ed}{\f2 d}{\f2 \'ed}{\f2 mno}{\f2 \'9e}{\f2 stv}{\f2 \'ed}{\f2 pen}{\f2 \'ec}{\f2 z v ob}{\f2 \'ec}{\f2 hu (hotov}{\f2 \'e9}{\f2 , nehotov}{\f2 \'e9}{\f2 )}{\f2
\par }{\f2 - dodr}{\f2 \'9e}{\f2 uje rovnov}{\f2 \'e1}{\f2 hu na trhu (po}{\f2 \'e8}{\f2 et uskute}{\f2 \'e8}{\f2 . obchod}{\f2 \'f9}{\f2 . mn. pen}{\f2 \'ec}{\f2 z v ob}{\f2 \'ec}{\f2 hu = cena . mno}{\f2 \'9e}{\f2 stv}{\f2 \'ed}{\f2 zbo}{\f2 \'9e}{\f2 \'ed
}{\f2 ) }{\f4 }{\f4
\par }{\f4
\par }{\f2\ul N}{\f2\ul \'e1}{\f2\ul stroje pou}{\f2\ul \'9e}{\f2\ul \'ed}{\f2\ul vaj}{\f2\ul \'ed}{\f2\ul c}{\f2\ul \'ed}{\f2\ul , aby rovnov}{\f2\ul \'e1}{\f2\ul ha byla zachov}{\f2\ul \'e1}{\f2\ul na}{\f2\ul
\par }{\f2 a) diskontn}{\f2 \'ed}{\f2 sazba - }{\f2 \'fa}{\f2 rokov}{\f2 \'e1}{\f2 m}{\f2 \'ed}{\f2 ra, za kterou }{\f2 \'c8}{\f2 NB p}{\f2 \'f9}{\f2 j}{\f2 \'e8}{\f2 uje ostatn}{\f2 \'ed}{\f2 m bank}{\f2 \'e1}{\f2 m}{\f2
\par }{\f4 - zv}{\f4 \'fd}{\f4 \'9a}{\f4 en}{\f4 \'ed}{\f4 }{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f2 stahuje pen}{\f2 \'ed}{\f2 ze z ekonomiku, sn}{\f2 \'ed}{\f2 \'9e}
{\f2 en}{\f2 \'ed}{\f2 }{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f4 vrac}{\f4 \'ed}{\f4 pen}{\f4 \'ed}{\f4 ze do ekonomiky}{\f4
\par }{\f2 b) povinn}{\f2 \'e9}{\f2 minim}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 rezervy - procentn}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stka z p}{\f2 \'f8}{\f2 ijat}{\f2 \'fd}{\f2 ch vklad}{\f2 \'f9}{\f2 , kterou ostatn}{\f2 \'ed}{\f2 banky mus}{\f2 \'ed}{
\f2 ulo}{\f2 \'9e}{\f2 it }{\f2
\par }{\f2 u }{\f2 \'c8}{\f2 NB}{\f2
\par }{\f4 - zv}{\f4 \'fd}{\f4 \'9a}{\f4 en}{\f4 \'ed}{\f4 }{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f4 stahuje pen}{\f4 \'ed}{\f4 ze z ekonomik}{\f2
y, sn}{\f2 \'ed}{\f2 \'9e}{\f2 en}{\f2 \'ed}{\f2 }{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f4 vrac}{\f4 \'ed}{\f4 pen}{\f4 \'ed}{\f4 ze do e.}{\f4
\par }{\f4 c) operace na voln}{\f4 \'e9}{\f4 m trhu - obchodov}{\f4 \'e1}{\f4 n}{\f4 \'ed}{\f4 s cenn}{\f4 \'fd}{\f4 mi pap}{\f4 \'ed}{\f4 ry}{\f4
\par }{\f4 - prod}{\f4 \'e1}{\f4 v}{\f4 \'e1}{\f4 }{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f2 stahuje pen}{\f2 \'ed}{\f2 ze z ob}{\f2 \'ec}{\f2 hu, kupuje }
{\field{\*\fldinst {\f4 symbol}{\f4 222 }{\f4 \\}{\f4 f "Symbol" }{\f4 \\}{\f4 s 10}}{\fldrslt }}{\f2 vrac}{\f2 \'ed}{\f2 pen}{\f2 \'ed}{\f2 ze do ob}{\f2 \'ec}{\f2 hu}{\f2
\par }{\f2 d) ostatn}{\f2 \'ed}{\f2 n}{\f2 \'e1}{\f2 stroje - max. }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'fd}{\f2 limit, max. }{\f2 \'fa}{\f2 rokov}{\f2 \'e1}{\f2 saz}{\f4 ba}{\f4
\par }{\f4
\par }{\f2 - souvis}{\f2 \'ed}{\f2 s inflac}{\f2 \'ed}{\f2 (pop}{\f2 \'f8}{\f2 . deflac}{\f2 \'ed}{\f2 )}{\f2
\par }{\f4
\par }{\f4\ul
\par }{\f4\ul
\par }{\f2\ul \'da}{\f2\ul koly }{\f2\ul \'c8}{\f2\ul NB}{\f2\ul
\par }{\f2 1) M}{\f2 \'ec}{\f2 nov}{\f2 \'e1}{\f2 politika (stabilita m}{\f2 \'ec}{\f2 ny)}{\f2
\par }{\f2 2) Emisn}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 innost - }{\f2 \'c8}{\f2 NB vyd}{\f2 \'e1}{\f2 v}{\f2 \'e1}{\f2 pen}{\f2 \'ed}{\f2 ze (ud}{\f2 \'e1}{\f2 v}{\f2 \'e1}{\f2 form}{\f2 \'e1}{\f2 ty, ochrann}{\f2 \'e9}{\f2 prvky)}{\f2
\par }{\f2 3) Vede }{\f2 \'fa}{\f2 \'e8}{\f2 ty st}{\f2 \'e1}{\f2 tn}{\f2 \'ed}{\f2 mu rozpo}{\f2 \'e8}{\f2 tu a st}{\f2 \'e1}{\f2 tn}{\f2 \'ed}{\f2 ch fond}{\f2 \'f9}{\f2 (p}{\f2 \'f8}{\f2 \'ed}{\f2 jmy a v}{\f2 \'fd}{\f2 daje)}{\f2
\par }{\f4 4) Stanovuje cenu zlata, kurzy }{\f2 ciz}{\f2 \'ed}{\f2 ch m}{\f2 \'ec}{\f2 n}{\f2
\par }{\f4 5) Spoluzakladatel nov}{\f4 \'fd}{\f4 ch bank}{\f4
\par }{\f4 6) Prov}{\f4 \'e1}{\f4 d}{\f4 \'ed}{\f4 bankovn}{\f4 \'ed}{\f4 dohled}{\f4
\par }{\f2 7) }{\f2 \'d8}{\f2 \'ed}{\f2 d}{\f2 \'ed}{\f2 pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 ob}{\f2 \'ec}{\f2 h, platebn}{\f2 \'ed}{\f2 styk a }{\f2 \'fa}{\f2 \'e8}{\f2 tov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 bank}{\f2
\par }{\f4
\par }{\f2\ul Mezibankovn}{\f2\ul \'ed}{\f2\ul z}{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul tov}{\f2\ul \'e1}{\f2\ul n}{\f2\ul \'ed}{\f2\ul
\par }{\f2 1) v }{\f2 \'c8}{\f2 NB }{\f2 funguje tzv. clearingov}{\f2 \'e9}{\f2 centrum (ostatn}{\f2 \'ed}{\f2 banky zde maj}{\f2 \'ed}{\f2 sv}{\f2 \'f9}{\f2 j }{\f2 \'fa}{\f2 \'e8}{\f2 et a p}{\f2 \'f8}{\f2 es n}{\f2 \'ec}{\f2 j prov}{\f2 \'e1}{\f2 d}{\f2
\'ec}{\f2 j}{\f2 \'ed}{\f2 styk }{\f2
\par }{\f4 s jinou bankou)}{\f4
\par }{\f2 2) p}{\f2 \'f8}{\f2 es LORO (jejich) a NOSTRO (n}{\f2 \'e1}{\f2 \'9a}{\f2 ) }{\f2 \'fa}{\f2 \'e8}{\f2 et}{\f2
\par }{\f4
\par }{\f4
\par }{\f4\ul Nucen}{\f4\ul \'e1}{\f4\ul zpr}{\f4\ul \'e1}{\f4\ul va}{\f4\ul
\par }{\f2 - se uvaluje na banku, pokud je nelikvidn}{\f2 \'ed}{\f2 , tzn. }{\f2 \'9e}{\f2 e opakovan}{\f2 \'ec}{\f2 jsou finan}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 situace a likvidita v rozporu}{\f2
\par }{\f4 - je uvalen dohled, kter}{\f4 \'fd}{\f4 m}{\f4 \'e1}{\f4 obnovit stabilitu banky, a pokud toho nedos}{\f4 \'e1}{\f4 hne doj}{\f2 de a}{\f2 \'9e}{\f2 ke zru}{\f2 \'9a}{\f2 en}{\f2 \'ed}{\f2 , }{\f2
\par }{\f2 nebo z}{\f2 \'e1}{\f2 kazu bankovn}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 innosti}{\f2
\par }{\b\f4\fs32\ul
\par }{\b\f2\fs32\ul 3) Komer}{\b\f2\fs32\ul \'e8}{\b\f2\fs32\ul n}{\b\f2\fs32\ul \'ed}{\b\f2\fs32\ul banky}{\b\f2\fs32\ul
\par }{\f4
\par }{\f2 - univerz}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 (podle toho jak}{\f2 \'e9}{\f2 slu}{\f2 \'9e}{\f2 by poskytuj}{\f2 \'ed}{\f2 )}{\f2
\par }{\f2 - specializovan}{\f2 \'e9}{\f2 - (poskytuj}{\f2 \'ed}{\f2 t}{\f2 \'e9}{\f2 m}{\f2 \'ec}{\f2 \'f8}{\f2 v}{\f2 \'9a}{\f2 echny slu}{\f2 \'9e}{\f2 by zam}{\f2 \'ec}{\f2 \'f8}{\f2 en}{\f2 \'e9}{\f2 ur}{\f2 \'e8}{\f2 itou klientelu)}{\f2
\par }{\f2 - specializace m}{\f2 \'f9}{\f2 \'9e}{\f2 e b}{\f2 \'fd}{\f2 t z}{\f2 \'f8}{\f2 ejm}{\f2 \'e1}{\f2 u}{\f2 \'9e}{\f2 z n}{\f2 \'e1}{\f2 zvu (Spo}{\f2 \'f8}{\f2 itelna, Agrobanka)}{\f2
\par }{\f4
\par }{\f2 - tyto banky vyd}{\f2 \'ec}{\f2 l}{\f2 \'e1}{\f2 vaj}{\f2 \'ed}{\f2 na tom, }{\f2 \'9e}{\f2 e pen}{\f2 \'ed}{\f2 ze prod}{\f2 \'e1}{\f2 vaj}{\f2 \'ed}{\f2 za vy}{\f2 \'9a}{\f2 \'9a\'ed}{\f2 cenu ne}{\f2 \'9e}{\f2 nakupuj}{\f2 \'ed}{\f2 (}{\f2
\'fa}{\f2 roky), }{\f2 \'fa}{\f2 rok, kter}{\f2 \'fd}{\f2 }{\f2
\par }{\f2 banka poskytne z vkladu je men}{\f2 \'9a}{\f2 \'ed}{\f2 ne}{\f2 \'9e}{\f2 }{\f2 \'fa}{\f2 roky, kter}{\f2 \'e9}{\f2 vyb}{\f2 \'ed}{\f2 r}{\f2 \'e1}{\f2 od sv}{\f2 \'fd}{\f2 ch dlu}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 k}{\f2 \'f9}{\f2 , banka nejd}{
\f2 \'f8}{\f2 \'ed}{\f2 v mus}{\f2 \'ed}{\f2 }{\f2
\par }{\f4 nakoupit pen}{\f4 \'ed}{\f4 ze, aby je mohla prod}{\f4 \'e1}{\f4 vat }{\f4
\par }{\f2 - z}{\f2 \'e1}{\f2 kladn}{\f2 \'ed}{\f2 funkce banky: 1) vkladov}{\f2 \'e9}{\f2 (depozitn}{\f2 \'ed}{\f2 ) slu}{\f2 \'9e}{\f2 by (b}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et, term}{\f2 \'ed}{\f2 novan}{\f2 \'e9}{\f2
vklady, vkladov}{\f2 \'e9}{\f2 }{\f2
\par }{\f2 certifik}{\f2 \'e1}{\f2 ty, bankovn}{\f2 \'ed}{\f2 obligace, vkladn}{\f2 \'ed}{\f2 kn}{\f2 \'ed}{\f2 \'9e}{\f2 ky, bankomaty)}{\f2
\par }{\f4 }{\f2 2) }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e9}{\f2 slu}{\f2 \'9e}{\f2 by}{\f2
\par }{\f4 }{\f2 3) bankovn}{\f2 \'ed}{\f2 slu}{\f2 \'9e}{\f2 by (ostatn}{\f2 \'ed}{\f2 - sm}{\f2 \'ec}{\f2 ne}{\f2 \'e8}{\f2 n}{\f2 \'e9}{\f2 slu}{\f2 \'9e}{\f2 by, operace se sm}{\f2 \'ec}{\f2 nkami}{\f4 )}{\f4
\par }{\f4\ul
\par }{\f4\ul Obchodov}{\f4\ul \'e1}{\f4\ul n}{\f4\ul \'ed}{\f4\ul banky na trhu}{\f4\ul
\par }{\f2 - devizov}{\f2 \'fd}{\f2 (obchod s ciz}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 nou)}{\f2
\par }{\f2 - kapit}{\f2 \'e1}{\f2 lov}{\f2 \'fd}{\f2 (dlo}{\f2 uhodob}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry)}{\f2
\par }{\f2 - pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 (v}{\f2 \'fd}{\f2 pis z }{\f2 \'fa}{\f2 \'e8}{\f2 tu, kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry...)}{\f2
\par }{\f4 }{\f4
\par }{\f4
\par }{\f4
\par }{\f4
\par }{\f4
\par }\trowd \trgaph70\trleft-70 \clmgf\clbrdrb\brdrs\brdrw15 \cellx9142\pard \intbl {\f4 Aktiva Bankovn}{\f4 \'ed}{\f4 rozvaha }{\f4 }{\f4 Pas\'edva}{\f4
\par }{\f4 }{\f4 }{\f4 \cell }\pard \intbl {\f4 \row }\trowd \trgaph70\trrh1635\trleft-70 \clmgf\clbrdrt\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \cellx4536\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \cellx9142\pard \intbl {
\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry (pohled}{\f2 \'e1}{\f2 vka)}{\f2
\par }{\f4 pokladn}{\f4 \'ed}{\f4 hotovost}{\f4
\par }{\f2 sm}{\f2 \'ec}{\f2 nky, st}{\f2 \'e1}{\f2 tn}{\f2 \'ed}{\f2 pokladn}{\f2 \'ed}{\f2 pouk}{\f2 \'e1}{\f2 zky}{\f2
\par }{\f2 vklady u jin}{\f2 \'fd}{\f2 ch pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 ch }{\f2 \'fa}{\f2 stav}{\f2 \'f9}{\f2
\par }{\f4 vydan}{\f4 \'e9}{\f4 CP}{\f4
\par }{\f4 bud}{\f2 ovy a za}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2
\par }{\f4 ostatn}{\f4 \'ed}{\f4 aktiva}{\f4 \cell }{\f4 vklady (z}{\f4 \'e1}{\f4 vazky)}{\f4
\par }{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry od jin}{\f2 \'fd}{\f2 ch bank}{\f2
\par }{\f4 emitovan}{\f4 \'e9}{\f4 (vydan}{\f4 \'e9}{\f4 ) o}{\f4 bligace}{\f4
\par }{\f4 ostatn}{\f4 \'ed}{\f4 ciz}{\f4 \'ed}{\f4 zdroje}{\f4
\par }{\f4 vlastn}{\f4 \'ed}{\f4 a z}{\f4 \'e1}{\f4 kladn}{\f4 \'ed}{\f4 kapit}{\f4 \'e1}{\f4 l}{\f4
\par }{\f4 rezervy a jin}{\f4 \'e9}{\f4 fondy}{\f4
\par }{\f2 nerozd}{\f2 \'ec}{\f2 len}{\f2 \'fd}{\f2 zisk}{\f2 \cell }\pard \intbl {\f4 \row }\pard {\f4\ul
\par }{\f4\ul 1) Vk}{\f2\ul ladov}{\f2\ul \'e9}{\f2\ul (depozitn}{\f2\ul \'ed}{\f2\ul ) slu}{\f2\ul \'9e}{\f2\ul by}{\f2\ul
\par }{\f4\ul
\par }{\f4\ul Vklady (depozity)}{\f4\ul
\par }{\f2 - na vid}{\f2 \'ec}{\f2 nou (na po}{\f2 \'9e}{\f2 \'e1}{\f2 d}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 ) - kdy}{\f2 \'9e}{\f2 jsi vlo}{\f2 \'9e}{\f2 \'ed}{\f2 me pen}{\f2 \'ed}{\f2 ze do banky a pak je pot}{\f2 \'f8}{\f2 ebujeme vybrat, tak n}{\f2 \'e1}{
\f2 m }{\f2
\par }{\f4 kdykoliv vyplat}{\f4 \'ed}{\f4 (}{\f4 \'fa}{\f4 rok je zde men}{\f4 \'9a}{\f4 \'ed}{\f4 )}{\f4
\par }{\f4 - term}{\f4 \'ed}{\f4 novan}{\f4 \'e9}{\f4 - s pevn}{\f4 \'fd}{\f4 m ter}{\f2 m}{\f2 \'ed}{\f2 nem (tzn. }{\f2 \'9e}{\f2 e budou splatn}{\f2 \'e9}{\f2 k ur}{\f2 \'e8}{\f2 it}{\f2 \'e9}{\f2 mu datu)}{\f2
\par }{\f2 - s v}{\f2 \'fd}{\f2 pov}{\f2 \'ec}{\f2 dn}{\f2 \'ed}{\f2 lh}{\f2 \'f9}{\f2 tou (tzn. pen}{\f2 \'ed}{\f2 ze si vybereme po skon}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 }{\f2 lh}{\f2 \'f9}{\f2 ty)}{\f2
\par }{\f4
\par }{\f4\ul
\par }{\f4\ul
\par }{\f2\ul \'da}{\f2\ul ro}{\f2\ul \'e8}{\f2\ul en}{\f2\ul \'ed}{\f2\ul
\par }{\f2 - pevnou sazbou (18 % p. a. po celou dol}{\f2 \'f9}{\f2 - 18 % dol}{\f2 \'f9}{\f2 )}{\f2
\par }{\f4 - pohybliv}{\f4 \'e1}{\f4 sazba (z}{\f4 \'e1}{\f4 kladn}{\f4 \'ed}{\f4 sazba + 4,5 % p. a.)}{\f4
\par }{\f4 - jedno}{\f2 duch}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 ro}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2
\par }\pard \qc {\f4 \'fa}{\f4 rok (}{\f4 \'fa}{\f4 ) = jistina(j) . }{\f4 \'fa}{\f4 rokov}{\f4 \'e1}{\f4 sazba(i) . doba(n)}{\f4
\par }{\f4
\par }{\f4 jistina}{\f4\fs12 n}{\f4 = jistina}{\f4\fs12 0}{\f4 (1 +ni)}{\f4
\par }\pard {\f4
\par }{\f2 - slo}{\f2 \'9e}{\f2 en}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 ro}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f4\ul
\par }\pard \qc {\f4\fs12 n}{\f4\ul
\par }{\f4 j}{\f4\fs12 n}{\f4 = j}{\f4\fs12 0}{\f4 (1 + i)}{\f4
\par }\pard {\b\f4\ul
\par }{\b\f2\ul B}{\b\f2\ul \'ec}{\b\f2\ul \'9e}{\b\f2\ul n}{\b\f2\ul \'fd}{\b\f2\ul }{\b\f2\ul \'fa}{\b\f2\ul \'e8}{\b\f2\ul et}{\b\f2\ul
\par }{\f2\ul Zalo}{\f2\ul \'9e}{\f2\ul en}{\f2\ul \'ed}{\f2\ul }{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul tu}{\f2\ul
\par }{\f2 - sep}{\f2 \'ed}{\f2 \'9a}{\f2 eme Smlouvu o z}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2 a veden}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu}{\f2
\par }{\f2 - n}{\f2 \'e1}{\f2 le}{\f2 \'9e}{\f2 itosti - identifika}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 daje obou}{\f2 stran (jm}{\f2 \'e9}{\f2 no, bydli}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 , R}{\f2 \'c8}{\f2 , n}{\f2 \'e1}{\f2 zev banky, s}{\f2 \'ed
}{\f2 dlo...)}{\f2
\par }{\f2 - druh }{\f2 \'fa}{\f2 \'e8}{\f2 tu (devizov}{\f2 \'fd}{\f2 , korunov}{\f2 \'fd}{\f2 )}{\f2
\par }{\f2 - dohodneme si dal}{\f2 \'9a}{\f2 \'ed}{\f2 podm}{\f2 \'ed}{\f2 nky - }{\f2 \'fa}{\f2 rok z vkladu - p. a. ro}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 sazba}{\f2
\par }{\f4 - p. s. pololetn}{\f4 \'ed}{\f4 sazba}{\f4
\par }{\f2 - p. q. }{\f2 \'e8}{\f2 tvrtletn}{\f2 \'ed}{\f2 sazba}{\f2
\par }{\f4 }{\f2 - jak }{\f2 \'e8}{\f2 asto n}{\f2 \'e1}{\f2 m budou p}{\f2 \'f8}{\f2 ipisovat }{\f2 \'fa}{\f2 rok}{\f2
\par }{\f2 - jak }{\f2 \'e8}{\f2 asto a jak}{\f2 \'fd}{\f2 m zp}{\f2 \'f9}{\f2 sobem n}{\f2 \'e1}{\f2 m budou pos}{\f2 \'ed}{\f2 lat v}{\f2 \'fd}{\f2 pis z }{\f2
\par }{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu }{\f2
\par }{\f4 }{\f2 - poplatky a slu}{\f2 \'9e}{\f2 by}{\f2
\par }{\f4
\par }{\f4\ul Podpisov}{\f4\ul \'e9}{\f4\ul vzory}{\f4\ul
\par }{\f2 - vypl}{\f2 \'f2}{\f2 uj}{\f2 \'ed}{\f2 se spolu se Smlouvou o zalo}{\f2 \'9e}{\f2 en}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu}{\f2
\par }{\f2 - ur}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 kdo je opr}{\f2 \'e1}{\f2 vn}{\f2 \'ec}{\f2 n s pen}{\f2 \'ec}{\f2 zi na }{\f2 \'fa}{\f2 \'e8}{\f2 tu manipulovat}{\f2
\par }{\f2 - k prok}{\f2 \'e1}{\f2 z}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 toto}{\f2 \'9e}{\f2 nosti je nutn}{\f2 \'e9}{\f2 u FO - ob}{\f2 \'e8}{\f2 ansk}{\f2 \'fd}{\f2 pr}{\f2 \'f9}{\f2 kaz}{\f2
\par }{\f4 }{\f2 u PO - v}{\f2 \'fd}{\f2 pis z obchodn}{\f2 \'ed}{\f2 ho rejst}{\f2 \'f8}{\f2 \'ed}{\f2 ku}{\f2
\par }{\f4
\par }{\f2\ul V}{\f2\ul \'fd}{\f2\ul pis z }{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul tu}{\f2\ul
\par }{\f2 - obsahuje stav }{\f2 \'fa}{\f2 \'e8}{\f2 tu na za}{\f2 \'e8}{\f2 \'e1}{\f2 tku a n}{\f2 a konci obdob}{\f2 \'ed}{\f2 a v}{\f2 \'9a}{\f2 echny jeho zm}{\f2 \'ec}{\f2 ny (p}{\f2 \'f8}{\f2 \'ed}{\f2 r}{\f2 \'f9}{\f2 stek, }{\f2 \'fa}{\f2 bytek)}{\f2
\par }{\f2 - u p}{\f2 \'f8}{\f2 \'ed}{\f2 r}{\f2 \'f9}{\f2 stku je uvedeno od koho + }{\f2 \'e8}{\f2 \'ed}{\f2 slo }{\f2 \'fa}{\f2 \'e8}{\f2 tu - variabiln}{\f2 \'ed}{\f2 symbol (slou}{\f2 \'9e}{\f2 \'ed}{\f2 ke kontrole)}{\f2
\par }{\f2 - u }{\f2 \'fa}{\f2 bytku (platby) }{\f2 \'e8}{\f2 \'e1}{\f2 stka, }{\f2 \'e8}{\f2 \'ed}{\f2 slo }{\f2 \'fa}{\f2 \'e8}{\f2 tu kam jsme to poslali - variabiln}{\f2 \'ed}{\f2 symbol}{\f2
\par }{\f4
\par }{\b\f2\ul Devizov}{\b\f2\ul \'e9}{\b\f2\ul }{\b\f2\ul \'fa}{\b\f2\ul \'e8}{\b\f2\ul ty}{\b\f2\ul
\par }{\f2 - FO i PO, kter}{\f2 \'e9}{\f2 podle devizov}{\f2 \'e9}{\f2 ho z}{\f2 \'e1}{\f2 kona mohou m}{\f2 \'ed}{\f2 t }{\f2 \'fa}{\f2 \'e8}{\f2 et veden}{\f2 \'fd}{\f2 v zahrani}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2 otev}{
\f2 \'ed}{\f2 raj}{\f2 \'ed}{\f2 bank}{\f2 y }{\f2
\par }{\f2 devizov}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et }{\f2
\par }{\f2 - neterm}{\f2 \'ed}{\f2 novan}{\f2 \'e9}{\f2 (b}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'fd}{\f2 devizov}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et)}{\f2
\par }{\f2 - term}{\f2 \'ed}{\f2 novan}{\f2 \'e9}{\f2 (term}{\f2 \'ed}{\f2 novan}{\f2 \'fd}{\f2 devizov}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et)}{\f2
\par }{\f4
\par }{\f2\ul B}{\f2\ul \'ec}{\f2\ul \'9e}{\f2\ul n}{\f2\ul \'fd}{\f2\ul devizov}{\f2\ul \'fd}{\f2\ul }{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul et}{\f2\ul
\par }{\f2 - uzav}{\f2 \'ed}{\f2 r}{\f2 \'e1}{\f2 se smlouva o z}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2 a veden}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu, podpisov}{\f2 \'e9}{\f2 vzory}{\f2
\par }{\f2 - slo}{\f2 \'9e}{\f2 \'ed}{\f2 se prost}{\f2 \'f8}{\f2 edky ve v}{\f2 \'fd}{\f2 \'9a}{\f2 i z}{\f2 \'e1}{\f2 kladn}{\f2 \'ed}{\f2 ho vkladu}{\f2
\par }{\f2 - ukl}{\f2 \'e1}{\f2 daj}{\f2 \'ed}{\f2 se voln}{\f2 \'ec}{\f2 sm}{\f2 \'ec}{\f2 niteln}{\f2 \'e9}{\f2 m}{\f2 \'ec}{\f2 ny, kter}{\f2 \'e9}{\f2 banka nakupuje}{\f2
\par }{\f2 - vklady r}{\f2 \'f9}{\f2 zn}{\f2 \'fd}{\f2 ch m}{\f2 \'ec}{\f2 n se p}{\f2 \'f8}{\f2 epo}{\f2 \'e8}{\f2 \'ed}{\f2 t}{\f2 \'e1}{\f2 vaj}{\f2 \'ed}{\f2 na m}{\f2 \'ec}{\f2 nu ve kter}{\f2 \'e9}{\f2 banka vede devizov}{\f2 \'fd}{\f2 }{\f2 \'fa}{
\f2 \'e8}{\f2 et}{\f2
\par }{\f2 - v}{\f2 \'fd}{\f2 b}{\f2 \'ec}{\f2 r - v m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu, v jin}{\f2 \'fd}{\f2 ch m}{\f2 \'ec}{\f2 n}{\f2 \'e1}{\f2 ch, v korun}{\f2 \'e1}{\f2 ch - vypl}{\f2 \'f2}{\f2 uje se p}{\f2 \'f8}{\f2 \'ed}{
\f2 kaz k v}{\f2 \'fd}{\f2 b}{\f2 \'ec}{\f2 ru}{\f2
\par }{\f2 - mohou z n}{\f2 \'ec}{\f2 ho b}{\f2 \'fd}{\f2 t hrazeny z}{\f2 \'e1}{\f2 vazky klienta}{\f2
\par }{\f4
\par }{\f2\ul Term}{\f2\ul \'ed}{\f2\ul nov}{\f2\ul \'fd}{\f2\ul devizov}{\f2\ul \'fd}{\f2\ul }{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul et}{\f2\ul
\par }{\f2 - smlouva o z}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2 a veden}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 tu}{\f2
\par }{\f4 - vk}{\f2 lad se sjedn}{\f2 \'e1}{\f2 v}{\f2 \'e1}{\f2 na ur}{\f2 \'e8}{\f2 itou dobu}{\f2
\par }{\f2 - }{\f2 \'fa}{\f2 rokov}{\f2 \'e1}{\f2 sazba je vy}{\f2 \'9a}{\f2 \'9a\'ed}{\f2 ne}{\f2 \'9e}{\f2 u b}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'e9}{\f2 ho devizov}{\f2 \'e9}{\f2 ho }{\f2 \'fa}{\f2 \'e8}{\f2 tu a z}{\f2 \'e1}{\f2 vis}{\f2 \'ed}{\f2 na v}
{\f2 \'fd}{\f2 \'9a}{\f2 i vkladu, dob}{\f2 \'ec}{\f2 a druhu m}{\f2 \'ec}{\f2 ny}{\f2
\par }{\f2 - banka m}{\f2 \'f9}{\f2 \'9e}{\f2 e klientovi poskytnout tzv. p}{\f2 \'f8}{\f2 eklenovac}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r}{\f2
\par }{\f4\ul
\par }{\f4\ul Euro}{\f4\ul \'9a}{\f4\ul eky}{\f4\ul
\par }{\f2 - k devizov}{\f2 \'fd}{\f2 m }{\f2 \'fa}{\f2 \'e8}{\f2 t}{\f2 \'f9}{\f2 m m}{\f2 \'f9}{\f2 \'9e}{\f2 eme po}{\f2 \'9e}{\f2 \'e1}{\f2 dat o vyd}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 }{\f2 \'9a}{\f2 ekov}{\f2 \'e9}{\f2 kn}{\f2 \'ed}{\f2 \'9e}{\f2
ky, kde m}{\f2 \'f9}{\f2 \'9e}{\f2 eme vypl}{\f2 \'f2}{\f2 ovat r}{\f2 \'f9}{\f2 zn}{\f2 \'e9}{\f2 m}{\f2 \'ec}{\f2 ny v }{\f2
\par }{\f2 r}{\f2 \'f9}{\f2 zn}{\f2 \'fd}{\f2 ch st}{\f2 \'e1}{\f2 tech spole}{\f2 \'e8}{\f2 n}{\f2 \'ec}{\f2 s euro}{\f2 \'9a}{\f2 eky vystav}{\f2 \'ed}{\f2 banka t}{\f2 ak}{\f2 \'e9}{\f2 EC kartu, kterou se prokazujeme, n}{\f2 \'e1}{\f2 le}{\f2 \'9e}{
\f2 itosti}{\f2
\par }{\f2 (u kter}{\f2 \'e9}{\f2 banky m}{\f2 \'e1}{\f2 me devizov}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et, ochrann}{\f2 \'fd}{\f2 prvek - hologram, podpis podle podpisov}{\f2 \'e9}{\f2 ho vzor}{\f2 \'f9}{\f2 )}{\f2
\par }{\b\f4\ul Platebn}{\b\f4\ul \'ed}{\b\f4\ul karty}{\b\f4\ul
\par }{\f4 - pl}{\f2 astick}{\f2 \'e9}{\f2 karty s magnetick}{\f2 \'fd}{\f2 m prou}{\f2 \'9e}{\f2 kem}{\f2
\par }{\f2 - }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e9}{\f2 (kreditn}{\f2 \'ed}{\f2 ) - slou}{\f2 \'9e}{\f2 \'ed}{\f2 k n}{\f2 \'e1}{\f2 kupu zbo}{\f2 \'9e}{\f2 \'ed}{\f2 na }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r}{\f2
\par }{\f2 - bezhotovostn}{\f2 \'ed}{\f2 placen}{\f2 \'ed}{\f2 v restaurac}{\f2 \'ed}{\f2 ch, v obchodech, v}{\f2 \'fd}{\f2 b}{\f2 \'ec}{\f2 r hotovosti}{\f2
\par }{\f2 - debetn}{\f2 \'ed}{\f2 - slou}{\f2 \'9e}{\f2 \'ed}{\f2 n}{\f2 \'e1}{\f2 kupu zbo}{\f2 \'9e}{\f2 \'ed}{\f2 v obchodech a restaurac}{\f2 \'ed}{\f2 ch}{\f2
\par }{\f4 }{\f2 - z b}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'e9}{\f2 ho }{\f2 \'fa}{\f2 \'e8}{\f2 tu je }{\f2 \'e8}{\f2 \'e1}{\f2 stka p}{\f2 \'f8}{\f2 evedena na prod}{\f2 \'e1}{\f2 vaj}{\f2 \'ed}{\f2 c}{\f2 \'ed}{\f2 ho }{\f2
\par }{\f4\ul
\par }{\f2\ul Prodej CP, vkladov}{\f2\ul \'fd}{\f2\ul ch list}{\f2\ul \'f9}{\f2\ul a certifik}{\f2\ul \'e1}{\f2\ul t}{\f2\ul \'f9}{\f2\ul
\par }{\f2 - tyto certifik}{\f2 \'e1}{\f2 ty (listy) jsou potvrzen}{\f2 \'ed}{\f2 m banky za p}{\f2 \'f8}{\f2 \'ed}{\f2 jem term}{\f2 \'ed}{\f2 novan}{\f2 \'e9}{\f2 ho vkladu}{\f2
\par }{\f4
\par }{\f4
\par }{\f2\ul 2) }{\f2\ul \'da}{\f2\ul v}{\f2\ul \'ec}{\f2\ul rov}{\f2\ul \'e9}{\f2\ul operace}{\f2\ul
\par }{\b\f4\ul
\par }{\b\f2\ul \'da}{\b\f2\ul v}{\b\f2\ul \'ec}{\b\f2\ul ry}{\b\f2\ul
\par }{\f4 - aktivn}{\f4 \'ed}{\f4 operace banky}{\f4
\par }{\f4 - hlavn}{\f4 \'ed}{\f4 zdroj p}{\f2 \'f8}{\f2 \'ed}{\f2 jm}{\f2 \'f9}{\f2 banky}{\f2
\par }{\f4
\par }{\f2\ul D}{\f2\ul \'ec}{\f2\ul len}{\f2\ul \'ed}{\f2\ul }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul r}{\f2\ul \'f9}{\f4 (podle banky, podnikatel}{\f4 \'e9}{\f4 ne)}{\f4
\par }{\f4\ul podle splatnosti}{\f4\ul
\par }{\f4 - kr}{\f4 \'e1}{\f4 tkodob}{\f4 \'e9}{\f4 (do 1 roka)}{\f4
\par }{\f2 - st}{\f2 \'f8}{\f2 edn}{\f2 \'ec}{\f2 dob}{\f2 \'e9}{\f2 (od 1 do 4 let)}{\f2
\par }{\f4 - dlouhodob}{\f4 \'e9}{\f4 (nad 4 roky)}{\f4
\par }{\f4
\par }{\f2\ul podle poskytovan}{\f2\ul \'e9}{\f2\ul m}{\f2\ul \'ec}{\f2\ul ny}{\f2\ul
\par }{\f4 - korunov}{\f4 \'e9}{\f4
\par }{\f4 - devizov}{\f4 \'e9}{\f4
\par }{\f4
\par }{\f2 - zaji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n}{\f2 \'e9}{\f2 (z}{\f2 \'e1}{\f2 stavou)}{\f2
\par }{\f2 - nezaji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n}{\f2 \'e9}{\f2
\par }{\f4
\par }{\f2 - p}{\f2 \'f8}{\f2 \'ed}{\f2 m}{\f2 \'fd}{\f2
\par }{\f2 - nep}{\f2 \'f8}{\f2 \'ed}{\f2 m}{\f2 \'fd}{\f2 (p}{\f2 \'f8}{\f2 es n}{\f2 \'ec}{\f2 koho (prost}{\f2 \'f8}{\f2 edn}{\f2 \'ed}{\f2 ka)}{\f2
\par }{\f4
\par }{\f2\ul Druhy }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul ru}{\f2\ul
\par }{\f4\ul
\par }{\f2 - podnikatelsk}{\f2 \'fd}{\f2 - (kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'fd}{\f2 , st}{\f2 \'f8}{\f2 edn}{\f2 \'ec}{\f2 dob}{\f2 \'fd}{\f2 , dlouhodob}{\f2 \'fd}{\f2 )}{\f2
\par }{\f2 - na z}{\f2 \'e1}{\f2 soby (sezon}{\f2 \'ed}{\f2 p}{\f2 \'f8}{\f2 edz}{\f2 \'e1}{\f2 sobov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 ), pohled}{\f2 \'e1}{\f2 vky, po}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2
IM (efektivnost investic)}{\f2
\par }{\f2 - kontokorentn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et - je pro podnikatele v}{\f2 \'fd}{\f2 hodn}{\f2 \'fd}{\f2 v tom, }{\f2 \'9e}{\f2 e mu ho banka poskytne }{\f2
\par }{\f2 automaticky, poskytne na kontokorentn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 \'e8}{\f2 et, zaplat}{\f2 \'ed}{\f2 za sv}{\f2 \'e9}{\f2 ho klienta v}{\f2 \'ec}{\f2 t}{\f2 \'9a}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stku }{\f2
\par }{\f2 ne}{\f2 \'9e}{\f2 je z}{\f2 \'f9}{\f2 statek (}{\f2 \'fa}{\f2 ro}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 je v}{\f2 \'ec}{\f2 t}{\f2 \'9a}{\f2 \'ed}{\f2 ne}{\f2 \'9e}{\f2 obvykle)}{\f2
\par }{\f2 - }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry ob}{\f2 \'e8}{\f2 an}{\f2 \'f9}{\f2 m - }{\f2 \'fa}{\f2 \'e8}{\f2 elov}{\f2 \'e9}{\f2 (na konkr}{\f2 \'e9}{\f2 tn}{\f2 \'ed}{\f2 v}{\f2 \'ec}{\f2 c - po}{\f2 \'f8}{\f2 \'ed}{\f2 zen}{\f2 \'ed}{\f2
bytu, automobilu...)}{\f2
\par }{\f2 - na p}{\f2 \'f8}{\f2 echodn}{\f2 \'fd}{\f2 nedostatek pen}{\f2 \'ec}{\f2 z (bez ud}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 d}{\f2 \'f9}{\f2 vodu, omezen}{\f2 \'fd}{\f2 , vysok}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 ro}{\f2 \'e8}{\f2
en}{\f2 \'ed}{\f2 )}{\f2
\par }{\f2 - mezibankovn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry - n}{\f2 \'ec}{\f2 kter}{\f2 \'e9}{\f2 banky maj}{\f2 \'ed}{\f2 nadbytek pen}{\f2 \'ec}{\f2 z (}{\f2 \'c8}{\f2 S), jin}{\f2 \'e9}{\f2 nedostatek (IPS) pr}{\f4 oto s }{\f4
\par }{\f2 pen}{\f2 \'ec}{\f2 zi obchoduj}{\f2 \'ed}{\f2 , p}{\f2 \'f8}{\f2 eklenut}{\f2 \'ed}{\f2 nedostatku pen}{\f2 \'ec}{\f2 z}{\f2
\par }{\f2 - denn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r (splatn}{\f2 \'fd}{\f2 do 24 hodin)}{\f2
\par }{\f2 - bankovn}{\f2 \'ed}{\f2 sm}{\f2 \'ec}{\f2 nka (solo sm}{\f2 \'ec}{\f2 nka)}{\f2
\par }{\f4 }{\f2 - lombardn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r (od }{\f2 \'c8}{\f2 NB, je zaji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n movit}{\f2 \'fd}{\f2 mi v}{\f2 \'ec}{\f2 cmi, CP, devizy)}{\f2
\par }{\f2 - emisn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r - jedna banka vyd}{\f2 \'e1}{\f2 CP a druh}{\f2 \'e1}{\f2 je koup}{\f2 \'ed}{\f2
\par }{\f2 - na LORO a NOSTRO }{\f2 \'fa}{\f2 \'e8}{\f2 ty}{\f2
\par }{\f2 - sm}{\f2 \'ec}{\f2 ne}{\f2 \'e8}{\f2 n}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry - akcepta}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 - takov}{\f2 \'fd}{\f2 , jestli}{\f2 \'9e}{\f2 e vy vystav}{\f2 \'ed}{\f2 te ciz}{\f2 \'ed}{\f2 sm}{\f2 \'ec}{
\f2 nku a nech}{\f2 \'e1}{\f2 te ji akceptovat }{\f2
\par }{\f2 (p}{\f2 \'f8}{\f2 ijmout) bance, kdy}{\f2 \'9e}{\f2 akceptuje, tak v}{\f2 \'e1}{\f2 s }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ruje (banka dlu}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 kem)}{\f2
\par }{\f2 - eskontn}{\f2 \'ed}{\f2 - dr}{\f2 \'9e}{\f2 itel}{\f2 \'e9}{\f2 sm}{\f2 \'ec}{\f2 nky pot}{\f2 \'f8}{\f2 ebuj}{\f2 \'ed}{\f2 zaplatit, ale nikdo je nechce (cht}{\f2 \'ec}{\f2 j}{\f2 \'ed}{\f2 hotovost)}{\f2
\par }{\f2 tak vezmou si na sm}{\f2 \'ec}{\f2 nku }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r (eskontn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r), banka mu nevyplat}{\f2 \'ed}{\f2 }{\f2
\par }{\f2 celou }{\f2 \'e8}{\f2 \'e1}{\f2 stku (m}{\f2 \'ed}{\f2 nus od}{\f2 \'fa}{\f2 ro}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 a zisk), v den splatnosti }{\f2 \'9e}{\f2 \'e1}{\f2 d}{\f2 \'e1}{\f2 banka }{\f2
\par }{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stku od toho kdo dlu}{\f2 \'9e}{\f2 \'ed}{\f2 - zaplat}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r splacen}{\f2
\par }{\f2 - nezaplat}{\f2 \'ed}{\f2 banka }{\f2 \'9e}{\f2 \'e1}{\f2 d}{\f2 \'e1}{\f2 }{\f2 \'fa}{\f2 hradu po posledn}{\f2 \'ed}{\f2 m }{\f2
\par }{\f4 }{\f2 majiteli sm}{\f2 \'ec}{\f2 nky }{\f2
\par }{\f2 - avalsk}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r - (ru}{\f2 \'e8}{\f2 itelsk}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r), m}{\f2 \'f9}{\f2 \'9e}{\f2 e souviset se sm}{\f2 \'ec}{\f2 nkou (ale nemus}{\f2 \'ed}{\f2 )}{\f2
\par }{\f2 - banka se nest}{\f2 \'e1}{\f2 v}{\f2 \'e1}{\f2 hlavn}{\f2 \'ed}{\f2 m dlu}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 kem, ale vedlej}{\f2 \'9a}{\f2 \'ed}{\f2 m (ru}{\f2 \'e8}{\f2 itelem)}{\f2
\par }{\f2 - kdy}{\f2 \'9e}{\f2 nen}{\f2 \'ed}{\f2 schopen hlavn}{\f2 \'ed}{\f2 dlu}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 k platit, banka za n}{\f2 \'ec}{\f2 j zaplat}{\f2 \'ed}{\f2 (}{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ruje ho)}{\f2
\par }{\f2 - hypote}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r - je zaji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n nemovitost}{\f2 \'ed}{\f2 (neposkytne se na celou hodnotu nemovitosti - asi 70 %)}{\f2
\par }{\f4 - zaj}{\f4 \'ed}{\f4 m}{\f4 \'e1}{\f4 n}{\f4 \'e1}{\f4 s: odhad ne}{\f2 movitosti, vlastnictv}{\f2 \'ed}{\f2 , poji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n}{\f2 \'ed}{\f2
\par }{\f2 }{\f2 - mus}{\f2 \'ed}{\f2 se to zapsat do Obchodn}{\f2 \'ed}{\f2 ho rejst}{\f2 \'f8}{\f2 \'ed}{\f2 ku}{\f2
\par }{\f2 - revolvingov}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r - kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'fd}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 r, kter}{\f2 \'fd}{\f2 je spl}{\f2 \'e1}{\f2 cen dal}{\f2 \'9a}{\f2 \'ed}{\f2 m kr}{\f2 \'e1}{\f2 tkodob}{
\f2 \'fd}{\f2 m }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rem (banka poskytne }{\f2
\par }{\f2 jen dobr}{\f2 \'fd}{\f2 m klient}{\f2 \'f9}{\f2 m)}{\f4
\par }{\f2 - ostatn}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry - nap}{\f2 \'f8}{\f2 . }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry obc}{\f2 \'ed}{\f2 m}{\f2
\par }{\f4\ul
\par }{\f2\ul \'8e}{\f2\ul eb}{\f2\ul \'f8}{\f2\ul \'ed\'e8}{\f2\ul ek sazeb}{\f2\ul
\par }{\f4 - diskontn}{\f4 \'ed}{\f4 sazba}{\f4
\par }{\f4 - lombardn}{\f4 \'ed}{\f4 sazba}{\f4
\par }{\f4 - mezibankovn}{\f4 \'ed}{\f4 sazba}{\f4
\par }{\f2 - prima sazba (banka p}{\f2 \'f9}{\f2 j}{\f2 \'e8}{\f2 uje jen nejlep}{\f2 \'9a}{\f2 \'ed}{\f2 m klient}{\f2 \'f9}{\f2 m)}{\f2
\par }{\f2 - tr}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 sazba - ostatn}{\f2 \'ed}{\f2
\par }{\f4
\par }{\f2\ul Poskytnut}{\f2\ul \'ed}{\f2\ul }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul ru}{\f2\ul
\par }{\f4
\par }{\f2 1) nejd}{\f2 \'f8}{\f2 \'ed}{\f2 ve mus}{\f2 \'ed}{\f2 me vypracovat }{\f2\ul \'8e}{\f2\ul \'e1}{\f2\ul dost o }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul r}{\f2\ul
\par }{\f4 - n}{\f4 \'e1}{\f4 le}{\f2 \'9e}{\f2 itosti - }{\f2 \'9e}{\f2 adatel}{\f2
\par }{\f2 - }{\f2 \'e8}{\f2 \'e1}{\f2 stka a }{\f2 \'fa}{\f2 \'e8}{\f2 el}{\f2
\par }{\f4 - na jak dlouho ho chce poskytnout}{\f4
\par }{\f2 - zp}{\f2 \'f9}{\f2 sob }{\f2 \'e8}{\f2 erp}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2
\par }{\f2 - zp}{\f2 \'f9}{\f2 sob a term}{\f2 \'ed}{\f2 ny spl}{\f2 \'e1}{\f2 cen}{\f2 \'ed}{\f2
\par }{\f4 - }{\f4 \'fa}{\f4 rokov}{\f4 \'e1}{\f4 sazba}{\f4
\par }{\f2 - zp}{\f2 \'f9}{\f2 sob ru}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 - nemovitosti (ocen}{\f2 \'ec}{\f2 n}{\f2 \'ed}{\f2 , poji}{\f2 \'9a}{\f2 t}{\f2 \'ec}{\f2 n}{\f2 \'ed}{\f2 , v}{\f2 \'fd}{\f2 pis z Katastr}{\f2 \'e1}{\f2 ln}{\f2 \'ed}
{\f2 ho rejst}{\f2 \'f8}{\f2 \'ed}{\f2 ku)}{\f2
\par }{\f2 - movitost}{\f2 \'ed}{\f2 (auto, sb}{\f2 \'ed}{\f2 rky, vinkulace vkladu, bankovn}{\f2 \'ed}{\f2 z}{\f2 \'e1}{\f2 ruka, ru}{\f2 \'e8}{\f2 itel)}{\f2
\par }{\f2 - dolo}{\f2 \'9e}{\f2 \'ed}{\f2 dal}{\f2 \'9a}{\f2 \'ed}{\f2 doklady: - rozvaha}{\f2
\par }{\f4 - v}{\f4 \'fd}{\f4 sledovka}{\f4
\par }{\f4 - v}{\f4 \'fd}{\f4 kaz o CF}{\f4
\par }{\f2 - podnikatelsk}{\f2 \'fd}{\f2 z}{\f2 \'e1}{\f2 m}{\f2 \'ec}{\f2 r}{\f2
\par }{\f2 - da}{\f2 \'f2}{\f2 ov}{\f2 \'e9}{\f2 p}{\f2 \'f8}{\f2 izn}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2
\par }{\f4
\par }{\f2 2) pot}{\f2 \'e9}{\f2 si banka ud}{\f2 \'ec}{\f2 l}{\f2 \'e1}{\f2 anal}{\f2 \'fd}{\f2 zu klienta (bonitu klienta) - }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e1}{\f2 minulost, posuzuje si co dolo}{\f2 \'9e}{\f2 il, }{\f2
\par }{\f2 zji}{\f2 \'9a}{\f2 \'9d}{\f2 uje likviditu, rentabilitu, efektivnost a n}{\f2 \'e1}{\f2 vratnost }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ru zadlu}{\f2 \'9e}{\f2 enost klienta (existuj}{\f2 \'ed}{\f2 na t}{\f2 o i }{\f2
\par }{\f4 speci}{\f4 \'e1}{\f4 ln}{\f4 \'ed}{\f4 firmy)}{\f4
\par }{\f4\ul
\par }{\f4\ul 1. Ukazatel likvidity}{\f4 \tab }{\f4 \tab \tab \tab }{\f4
\par }{\f4
\par }{\f2 1. stupn}{\f2 \'ec}{\f2 - okam}{\f2 \'9e}{\f2 it}{\f2 \'e1}{\f2 (solventnost) = }{\f2\ul pen}{\f2\ul \'ed}{\f2\ul ze (v pokladn}{\f2\ul \'ec}{\f2\ul i na }{\f2\ul \'fa}{\f2\ul \'e8}{\f2\ul tu) }{\f2\ul
\par }{\f4 }{\f2 kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'e9}{\f2 z}{\f2 \'e1}{\f2 vazky (m}{\f2 \'ec}{\f2 la by vyj}{\f2 \'ed}{\f2 t men}{\f2 \'9a}{\f2 \'ed}{\f2 ne}{\f2 \'9e}{\f2 jedna)
}{\f2
\par }{\f4
\par }{\f2 2. stupe}{\f2 \'f2}{\f2 - pohotov}{\f2 \'e1}{\f2 =}{\f2 \tab }{\f4\ul pen}{\f4\ul \'ed}{\f4\ul ze + pohled}{\f4\ul \'e1}{\f4\ul vky (OM}{\f4\ul - z}{\f4\ul \'e1}{\f4\ul soby)}{\f4
\par }{\f4 kr}{\f4 \'e1}{\f4 tko}{\f2 dob}{\f2 \'e9}{\f2 z}{\f2 \'e1}{\f2 vazky (m}{\f2 \'ec}{\f2 la by vyj}{\f2 \'ed}{\f2 t men}{\f2 \'9a}{\f2 \'ed}{\f2 ne}{\f2 \'9e}{\f2 1,5)}{
\f2
\par }{\f4
\par }{\f2 3. stupe}{\f2 \'f2}{\f2 - b}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'e1}{\f2 }{\f2 \tab }{\f2 = }{\f2\ul ob}{\f2\ul \'ec}{\f2\ul \'9e}{\f2\ul n}{\f2\ul \'fd}{\f2\ul majetek}{\f4
\par }{\f2 \tab }{\f2 kr}{\f2 \'e1}{\f2 tkodob}{\f2 \'e9}{\f2 z}{\f2 \'e1}{\f2 vazky}{\f2 \tab }{\f2 \tab \tab }{\f2 (m}{\f2 \'ec}{\f2 la by vyj}{\f2 \'ed}{\f2 t men}{\f2 \'9a}{\f2 \'ed}{\f2 ne}{\f2 \'9e}{\f2 2) }{\f2
\par }{\f4
\par }{\f4\ul Rentabilita (ziskovost)}{\f4\ul
\par }{\f4
\par }{\f2 - nap}{\f2 \'f8}{\f2 . rentabilita tr}{\f2 \'9e}{\f2 eb = }{\f4\ul zisk}{\f4\ul
\par }{\f4 }{\f2 tr}{\f2 \'9e}{\f2 by}{\f2
\par }{\f4\ul
\par }{\f4\ul Ukazatel n}{\f4\ul \'e1}{\f4\ul vratnosti}{\f4\ul
\par }{\f4
\par }{\f4 = }{\f2\ul }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul r .}{\f2\ul
\par }{\f4 disponibiln}{\f4 \'ed}{\f4 zisk + odpisy}{\f4\ul }{\f4\ul
\par }{\f4\ul
\par }{\f2\ul Ukazatel zadlu}{\f2\ul \'9e}{\f2\ul enosti}{\f4
\par }{\f4
\par }{\f4 = }{\f4\ul ciz}{\f4\ul \'ed}{\f4\ul zdroje}{\f4
\par }{\f4 aktiva}{\f4
\par }{\f4
\par }{\f2 3) Na z}{\f2 \'e1}{\f2 klad}{\f2 \'ec}{\f2 }{\f2 \'9e}{\f2 \'e1}{\f2 dosti a anal}{\f2 \'fd}{\f2 zy banka rozhodne pop}{\f2 \'f8}{\f2 . uzav}{\f2 \'f8}{\f2 e s }{\f2 klientem }{\f2\ul \'da}{\f2\ul v}{\f2\ul \'ec}{\f2\ul rovou smlouvu}{\f4
\par }{\f2 - n}{\f2 \'e1}{\f2 le}{\f2 \'9e}{\f2 itosti - identifika}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 }{\f2 \'fa}{\f2 daje obou stran}{\f2
\par }{\f2 - }{\f2 \'e8}{\f2 \'e1}{\f2 stka a }{\f2 \'fa}{\f2 \'e8}{\f2 el}{\f2
\par }{\f4 - na jak dlouho ho chce poskytnout}{\f4
\par }{\f2 - jak}{\f2 \'fd}{\f2 druh, v jak}{\f2 \'e9}{\f2 m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2
\par }{\f2 - zp}{\f2 \'f9}{\f2 sob }{\f2 \'e8}{\f2 erp}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2
\par }{\f4 - zp}{\f2 \'f9}{\f2 sob a term}{\f2 \'ed}{\f2 ny spl}{\f2 \'e1}{\f2 cen}{\f2 \'ed}{\f2
\par }{\f4 - }{\f4 \'fa}{\f4 rokov}{\f4 \'e1}{\f4 sazba (pevn}{\f4 \'e1}{\f4 , pohyb}{\f4 liv}{\f4 \'e1}{\f4 )}{\f4
\par }{\f2 - zp}{\f2 \'f9}{\f2 sob ru}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2 (nemovitosti, movitost}{\f2 \'ed}{\f2 )}{\f2
\par }{\f4 - informace o stavu}{\f4
\par }{\f2 - sankce za opo}{\f2 \'9e}{\f2 d}{\f2 \'ec}{\f2 n}{\f2 \'e9}{\f2 placen}{\f2 \'ed}{\f2
\par }{\f4 - mus}{\f4 \'ed}{\f4 me se }{\f2 zav}{\f2 \'e1}{\f2 zat, }{\f2 \'9e}{\f2 e budeme platit poplatky a dodr}{\f2 \'9e}{\f2 ovat podm}{\f2 \'ed}{\f2 nky (}{\f2 \'9e}{\f2 adatel i banka)}{\f2
\par }{\f4 - datum, raz}{\f4 \'ed}{\f4 tko, podpisy }{\f4
\par }{\f4
\par }{\f2 4) Kontrola dodr}{\f2 \'9e}{\f2 ov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 podm}{\f2 \'ed}{\f2 nek }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e9}{\f2 smlouvy}{\f2
\par }{\f2 - po celou dobu }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ru prov}{\f2 \'e1}{\f2 d}{\f2 \'ed}{\f2 banka pr}{\f2 \'f9}{\f2 b}{\f2 \'ec}{\f2 \'9e}{\f2 nou kontrolu finan}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 ho hospoda}{\f2 \'f8}{\f2 en}{\f2 \'ed}{\f2 klienta }{
\f2
\par }{\f4\ul
\par }{\f2\ul Spl}{\f2\ul \'e1}{\f2\ul cen}{\f2\ul \'ed}{\f2\ul }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul ru}{\f4
\par }{\f2 - }{\f2 \'fa}{\f2 rok a }{\f2 \'fa}{\f2 mor zvl}{\f2 \'e1}{\f2 \'9a\'9d}{\f2
\par }{\f2 - anuita (}{\f2 \'fa}{\f2 rok i }{\f2 \'fa}{\f2 mor dohromady) - pravideln}{\f2 \'e1}{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stka}{\f2
\par }{\f2 - v}{\f2 \'fd}{\f2 po}{\f2 \'e8}{\f2 et anuity}{\f2
\par }\pard \qc {\f4 a = j}{\f4\fs12 n}{\f4 . }{\f4\ul i .}{\f4\ul
\par }{\f4\fs12 n}{\f4\fs12
\par }{\f4 (1 + i) - 1}{\f4
\par }\pard {\f4 }{\f4
\par }{\f2\ul Zp}{\f2\ul \'f9}{\f2\ul sob }{\f2\ul \'e8}{\f2\ul erp}{\f2\ul \'e1}{\f2\ul n}{\f2\ul \'ed}{\f2\ul }{\f2\ul \'fa}{\f2\ul v}{\f2\ul \'ec}{\f2\ul ru}{\f2\ul
\par }{\f2 - jednor}{\f2 \'e1}{\f2 zov}{\f2 \'ec}{\f2 (klient si vyp}{\f2 \'f9}{\f2 j}{\f2 \'e8}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stku, kterou m}{\f2 \'f9}{\f2 \'9e}{\f2 e disponovat)}{\f2
\par }{\f2 - }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e1}{\f2 linka (banka stanov}{\f2 \'ed}{\f2 limit a}{\f2 \'9e}{\f2 do kter}{\f2 \'e9}{\f2 ho si m}{\f2 \'f9}{\f2 \'9e}{\f2 e klient }{\f2 \'e8}{\f2 erpat)}{\f2
\par }{\f4
\par }{\f2\ul c) ostatn}{\f2\ul \'ed}{\f2\ul slu}{\f2\ul \'9e}{\f2\ul by}{\f2\ul
\par }{\f2 - sm}{\f2 \'ec}{\f2 n}{\f2 \'e1}{\f2 rensk}{\f2 \'e1}{\f2 }{\f2 \'e8}{\f2 innost, zprost}{\f2 \'f8}{\f2 edkov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 platebn}{\f2 \'ed}{\f2 ho styku, bankovn}{\f2 \'ed}{\f2 z}{\f2 \'e1}{\f2 ruky, operace se sm}{\f2 \'ec}{
\f2 nkami, }{\f2
\par }{\f2 poradensk}{\f2 \'e1}{\f2 a informa}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 innost}{\f2
\par }{\f4
\par }{\f2\ul Sm}{\f2\ul \'ec}{\f2\ul n}{\f2\ul \'e1}{\f2\ul rensk}{\f2\ul \'e1}{\f2\ul }{\f2\ul \'e8}{\f2\ul innost}{\f2\ul
\par }{\f2 - banky prov}{\f2 \'e1}{\f2 d}{\f2 \'ec}{\f2 j}{\f2 \'ed}{\f2 n}{\f2 \'e1}{\f2 kup a prodej devizov}{\f2 \'fd}{\f2 ch prost}{\f2 \'f8}{\f2 edk}{\f2 \'f9}{\f2 (n}{\f2 \'e1}{\f2 kup a prodej cestovn}{\f2 \'ed}{\f2 ch }{\f2 \'9a}{\f2 ek}{\f2 \'f9}{
\f2 )}{\f2
\par }{\i\f2 a) - n}{\i\f2 \'e1}{\i\f2 kup a prodej devizov}{\i\f2 \'fd}{\i\f2 ch prost}{\i\f2 \'f8}{\i\f2 edk}{\i\f2 \'f9}{\f2 (pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 prost}{\f2 \'f8}{\f2 edky v ciz}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2
(valuty, devizy, CP)}{\f2
\par }{\f2 - valuty - pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 prost}{\f2 \'f8}{\f2 edky v ciz}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2 ve form}{\f2 \'ec}{\f2 bank}{\f4 ovek, st}{\f4 \'e1}{\f4 tovek a minc}{\f4 \'ed}{\f4
\par }{\f2 - devizy - pen}{\f2 \'ec}{\f2 \'9e}{\f2 n}{\f2 \'ed}{\f2 prost}{\f2 \'f8}{\f2 edky v ciz}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 n}{\f2 \'ec}{\f2 , kter}{\f2 \'e9}{\f2 jsou na }{\f2 \'fa}{\f2 \'e8}{\f2 tech v tuzemsku nebo v zahrani}{\f2 \'e8}{\f2
\'ed}{\f2 a }{\f2
\par }{\f2 pou}{\f2 \'9e}{\f2 \'ed}{\f2 vaj}{\f2 \'ed}{\f2 na z}{\f2 \'e1}{\f2 klad}{\f2 \'ec}{\f2 platebn}{\f2 \'ed}{\f2 ch dokument}{\f2 \'f9}{\f2 (sm}{\f2 \'ec}{\f2 nka, }{\f2 \'9a}{\f2 ek, akreditiv apod.)}{\f2
\par }{\f2 - devizov}{\f2 \'fd}{\f2 kurz - cena zahrani}{\f2 \'e8}{\f2 n}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 ny vyj}{\f2 \'e1}{\f2 d}{\f2 \'f8}{\f2 en}{\f2 \'e1}{\f2 v jednotk}{\f2 \'e1}{\f2 ch dom}{\f2 \'e1}{\f2 c}{\f2 \'ed}{\f2 m}{\f2 \'ec}{\f2 ny}{\f2
\par }{\i\f2 b) n}{\i\f2 \'e1}{\i\f2 kup a prodej cestovn}{\i\f2 \'ed}{\i\f2 ch }{\i\f2 \'9a}{\i\f2 ek}{\i\f2 \'f9}{\f4 }{\f4
\par }{\f2 - cestovn}{\f2 \'ed}{\f2 }{\f2 \'9a}{\f2 ek - CP, kter}{\f2 \'fd}{\f2 oprav}{\f2 \'f2}{\f2 uje osobu, kter}{\f2 \'e1}{\f2 je na n}{\f2 \'ec}{\f2 m uvedena k p}{\f2 \'f8}{\f2 ijmut}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 \'e1}{\f2 stky po }{\f2
\par }{\f2 p}{\f2 \'f8}{\f2 edlo}{\f2 \'9e}{\f2 en}{\f2 \'ed}{\f2 k v}{\f2 \'fd}{\f2 plat}{\f2 \'ec}{\f2 (podle podm}{\f2 \'ed}{\f2 nek stanoven}{\f2 \'fd}{\f2 ch v}{\f2 \'fd}{\f2 stavcem }{\f2 \'9a}{\f4 eku) v kter}{\f4 \'e9}{
\f4 koliv }{\f4
\par }{\f2 bance (nepodl}{\f2 \'e9}{\f2 h}{\f2 \'e1}{\f2 sm}{\f2 \'ec}{\f2 ne}{\f2 \'e8}{\f2 n}{\f2 \'e9}{\f2 mu a }{\f2 \'9a}{\f2 ekov}{\f2 \'e9}{\f2 mu z}{\f2 \'e1}{\f2 konu, ale obchodn}{\f2 \'ed}{\f2 mu z}{\f2 \'e1}{\f2 konu)
}{\f2
\par }{\f2 - n}{\f2 \'e1}{\f2 le}{\f2 \'9e}{\f2 itosti - ozna}{\f2 \'e8}{\f2 en}{\f2 \'ed}{\f2
\par }{\f2 }{\f2 - p}{\f2 \'f8}{\f2 \'ed}{\f2 kaz nebo slib vyplatit ur}{\f2 \'e8}{\f2 itou }{\f2 \'e8}{\f2 \'e1}{\f2 stku opr}{\f2 \'e1}{\f2 vn}{\f2 \'ec}{\f2 n}{\f2 \'e9}{\f2 osob}{\f2 \'ec}{\f2
\par }{\f4 - jm}{\f4 \'e9}{\f4 no v}{\f4 \'fd}{\f4 stavce + podpis}{\f4
\par }{\f2 - nap}{\f2 \'f8}{\f2 . cestovn}{\f2 \'ed}{\f2 }{\f2 \'9a}{\f2 eky Visa, American Expres}{\f2
\par }{\f4
\par }{\b\f2\fs32\ul 4) Mezin}{\b\f2\fs32\ul \'e1}{\b\f2\fs32\ul rodn}{\b\f2\fs32\ul \'ed}{\b\f2\fs32\ul m}{\b\f2\fs32\ul \'ec}{\b\f2\fs32\ul nov}{\b\f2\fs32\ul \'e9}{\b\f2\fs32\ul instituce}{\b\f2\fs32\ul
\par }\pard \qj {\f4\ul
\par }{\f2\ul Mezin}{\f2\ul \'e1}{\f2\ul rodn}{\f2\ul \'ed}{\f2\ul m}{\f2\ul \'ec}{\f2\ul nov}{\f2\ul \'fd}{\f2\ul fond (MMF)}{\f4
\par }{\f4 - s}{\f4 \'ed}{\f4 dlo Washington (kolem 180}{\f2 }{\f2 \'e8}{\f2 len}{\f2 \'f9}{\f2 )}{\f2
\par }{\f2 - vznikl po 2. sv}{\f2 \'ec}{\f2 t. v}{\f2 \'e1}{\f2 lce (}{\f2 \'c8}{\f2 SSR - zakl}{\f2 \'e1}{\f2 daj}{\f2 \'ed}{\f2 c}{\f2 \'ed}{\f2 m }{\f2 \'e8}{\f2 lenem) }{\f2
\par }{\f2 - poskytuje }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry zem}{\f2 \'ed}{\f2 m s platebn}{\f2 \'ed}{\f2 mi probl}{\f2 \'e9}{\f2 my}{\f2
\par }{\f4 - podm}{\f4 \'ed}{\f4 nkou jsou vypracovan}{\f4 \'e9}{\f4 ekonomick}{\f4 \'e9}{\f4 programy (vypracov}{\f4 \'e1}{\f4 vaj}{\f4 \'ed}{\f4 experti MMF)}{\f4
\par }{\f2 - podporuje mezin}{\f2 \'e1}{\f2 rodn}{\f2 \'ed}{\f2 obchod, stabilita kurzu a m}{\f2 \'ec}{\f2 ny}{\f2
\par }{\f4 - poskytuje informace (HND, cenov}{\f4 \'e9}{\f4 indexy...)}{\f4
\par }{\f2 - od roku 1990 jsme op}{\f2 \'ec}{\f2 t }{\f2 \'e8}{\f2 leny}{\f2
\par }{\f4
\par }{\f2\ul Sv}{\f2\ul \'ec}{\f2\ul tov}{\f2\ul \'e1}{\f2\ul banka}{\f2\ul
\par }{\f4
\par }{\f4\ul Mezin}{\f4\ul \'e1}{\f4\ul rodn}{\f4\ul \'ed}{\f4\ul banka pro obnovu a rozvoj (IBRD)}{\f4\ul
\par }{\f2 - jsme }{\f2 \'e8}{\f2 leny (kdo nen}{\f2 \'ed}{\f2 }{\f2 \'e8}{\f2 lenem MMF nesm}{\f2 \'ed}{\f2 b}{\f2 \'fd}{\f2 t ani }{\f2 \'e8}{\f2 lenem IBRD)}{\f2
\par }{\f2 - poskytuje dlouhodob}{\f2 \'e9}{\f2 }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 ry na financov}{\f2 \'e1}{\f2 n}{\f2 \'ed}{\f2 rozvoje st}{\f2 \'e1}{\f2 tu podle vypracovan}{\f2 \'fd}{\f2 ch program}{\f2 \'f9}{\f2
\par }{\f2 - napom}{\f2 \'e1}{\f2 h}{\f2 \'e1}{\f2 k obnov}{\f2 \'ec}{\f2 , investuje kapit}{\f2 \'e1}{\f2 l do v}{\f2 \'fd}{\f2 roby}{\f2
\par }{\f2 - poskytuje p}{\f2 \'f9}{\f2 j}{\f2 \'e8}{\f2 ky i soukrom}{\f2 \'fd}{\f2 m investor}{\f2 \'f9}{\f2 m}{\f2
\par }{\f4
\par }{\f2\ul Mezin}{\f2\ul \'e1}{\f2\ul rodn}{\f2\ul \'ed}{\f2\ul finan}{\f2\ul \'e8}{\f2\ul n}{\f2\ul \'ed}{\f2\ul s}{\f2\ul pole}{\f2\ul \'e8}{\f2\ul nost (IFC)}{\f2\ul
\par }{\f4 - vznik 1956}{\f4
\par }{\f2 - m}{\f2 \'e1}{\f2 za }{\f2 \'fa}{\f2 kol rozvoj soukrom}{\f2 \'e9}{\f2 ho a dru}{\f2 \'9e}{\f2 stevn}{\f2 \'ed}{\f2 ho sektoru}{\f2
\par }{\f4
\par }{\f2\ul Mezin}{\f2\ul \'e1}{\f2\ul rodn}{\f2\ul \'ed}{\f2\ul rozvojov}{\f2\ul \'e9}{\f2\ul sdru}{\f2\ul \'9e}{\f2\ul en}{\f2\ul \'ed}{\f2\ul (IDA)}{\f2\ul
\par }{\f4 - vznik 1960}{\f4
\par }{\f2 - }{\f2 \'fa}{\f2 kol: pom}{\f2 \'e1}{\f2 hat rozvojov}{\f2 \'fd}{\f2 m st}{\f2 \'e1}{\f2 t}{\f2 \'f9}{\f2 m}{\f2
\par }{\f4
\par }{\f2\ul Mezin}{\f2\ul \'e1}{\f2\ul rodn}{\f2\ul \'ed}{\f2\ul agentura pro poskytov}{\f2\ul \'e1}{\f2\ul n}{\f2\ul \'ed}{\f2\ul mnohostrann}{\f2\ul \'fd}{\f2\ul ch investi}{\f2\ul \'e8}{\f2\ul n}{\f2\ul \'ed}{\f2\ul ch z}{\f2\ul \'e1}{\f2\ul ruk (MIGA)}
{\f2\ul
\par }{\f4 - vznik 1988}{\f4
\par }{\f2 - garantuje v}{\f2 \'fd}{\f2 vozc}{\f2 \'f9}{\f2 m i rozvojov}{\f2 \'fd}{\f2 m zem}{\f2 \'ed}{\f2 m to, }{\f2 \'9e}{\f2 e dostanou pen}{\f2 \'ed}{\f2 ze (zaplat}{\f2 \'ed}{\f2 za n}{\f2 \'ec}{\f2 )}{\f2
\par }{\f4
\par }{\f4\ul
\par }{\f4\ul Banka pro mezin}{\f4\ul \'e1}{\f4\ul rodn}{\f4\ul \'ed}{\f4\ul platby (BIS)}{\f4\ul
\par }{\f4 - s}{\f4 \'ed}{\f4 dlo: Basilej}{\f4
\par }{\f2 - na rozvoj spolupr}{\f2 \'e1}{\f2 ce mezi centr}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 mi bankami, p}{\f2 \'f8}{\f2 edev}{\f2 \'9a}{\f2 \'ed}{\f2 m evropsk}{\f2 \'fd}{\f2 ch zem}{\f2 \'ed}{\f2
\par }{\f2 - poskytuje bankovn}{\f2 \'ed}{\f2 slu}{\f2 \'9e}{\f2 by - pro }{\f2 \'e8}{\f2 lensk}{\f2 \'e9}{\f2 centr}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 banky (operace se zlatem, depozitn}{\f2 \'ed}{\f2 a }{\f2 \'fa}{\f2 v}{\f2 \'ec}{\f2 rov}{\f2 \'e9}{\f2 }
{\f2
\par }{\f4 operace)}{\f4
\par }{\f2 - studijn}{\f2 \'ed}{\f2 a zpravodajsk}{\f2 \'e1}{\f2 }{\f2 \'e8}{\f2 innost}{\f2
\par }{\f4
\par }{\f4\ul Evropsk}{\f4\ul \'e1}{\f4\ul banka pro obnovu a rozvoj (EBRD)}{\f4\ul
\par }{\f4 - s}{\f4 \'ed}{\f4 dlo: Lond}{\f4 \'fd}{\f4 n}{\f4
\par }{\f2 - spole}{\f2 \'e8}{\f2 n}{\f2 \'ec}{\f2 s MMF a sv}{\f2 \'ec}{\f2 tovou bankou podporuje struktur}{\f2 \'e1}{\f2 ln}{\f2 \'ed}{\f2 zm}{\f2 \'ec}{\f2 ny a investice do zem}{\f2 \'ed}{\f2 St}{\f2 \'f8}{\f2 edn}{\f2 \'ed}{\f2 a }{\f2
\par }{\f4 V}{\f4 \'fd}{\f4 chodn}{\f4 \'ed}{\f4 Evropy}{\f4
\par }{\f4 - podporuje drobn}{\f4 \'e9}{\f4 soukrom}{\f4 \'e9}{\f4 podnik}{\f4 \'e1}{\f4 n}{\f4 \'ed}{\f4
\par }{\f4
\par }\pard {\f4
\par }{\f4
\par }{\f4
\par }{\f4
\par }
\par }