Prováděcí nařízení Komise (EU) 2016/313 ze dne 1. března 2016, kterým se mění prováděcí nařízení (EU) č. 680/2014, pokud jde o doplňkové měření sledování likvidity pro podávání zpráv týkajících se likvidity (Text s významem pro EHP)

Tento náhled textu slouží k rychlé orientaci. Formátovaný text a další informace k předpisu nařízení 313/2016/EU najdete na stránkách systému Eurlex, který je provozovaný Evropskou unií.
   
            
               CS
            
               Úřední věstník Evropské unie
            
               L 60/5
            
   
   PROVÁDĚCÍ NAŘÍZENÍ KOMISE (EU) 2016/313
   ze dne 1. března 2016,
   kterým se mění prováděcí nařízení (EU) č. 680/2014, pokud jde o doplňkové měření sledování likvidity pro podávání zpráv týkajících se likvidity
   (Text s významem pro EHP)
   EVROPSKÁ KOMISE,
   s ohledem na Smlouvu o fungování Evropské unie,
   s ohledem na nařízení Evropského parlamentu a Rady (EU) č. 575/2013 ze dne 26. června 2013 o obezřetnostních požadavcích na úvěrové instituce a investiční podniky a o změně nařízení (EU) č. 648/2012 (1), a zejména na čl. 415 odst. 3 čtvrtý pododstavec uvedeného nařízení,
   vzhledem k těmto důvodům:
   
               (1)
            
               Kapitola 7 prováděcího nařízení Komise (EU) č. 680/2014 (2) stanoví podmínky podávání zpráv týkajících se likvidity ze strany úvěrových institucí na individuálním a konsolidovaném základě. Za účelem zvýšení účinnosti dohledu nad likviditou je na místě požadovat vykazování doplňkového měření sledování likvidity podle čl. 415 odst. 3 písm. b) nařízení (EU) č. 575/2013. To by mělo poskytnout úplnější přehled likviditní pozice instituce přiměřený povaze, rozsahu a komplexnosti činností dané instituce.
            
   
               (2)
            
               Doplňková měření sledování likvidity, jež mají být vykazována, by měla zahrnovat: měření založená na koncentraci financování v členění podle protistrany a druhu produktu, neboť tato měření identifikují protistrany a nástroje, které jsou natolik relevantní, že výběr prostředků nebo klesající tržní likvidita by mohly vyvolat problémy s likviditou; měření založená na koncentraci vyrovnávací kapacity v členění podle emitenta nebo protistrany, neboť uvedená měření poskytují informace o koncentraci vykazujících institucí v členění podle deseti největších držeb aktiv nebo položek likvidity poskytnutých instituci, a měření založená na cenách za financování s odlišnými dobami trvání a prodloužení financování, která představují informace, jež jsou cenné v průběhu určitého období, tak jak jsou orgány dohledu informovány o změnách v maržích, objemech a dobách financování.
            
   
               (3)
            
               Vykazování doplňkových měření sledování likvidity by měly příslušné orgány použít jako součást procesu přezkumu a hodnocení v rámci dohledu, jakož i v rámci kolegií orgánů dohledu a jako nástroj včasného varování pro každodenní dohled.
            
   
               (4)
            
               Vykazování doplňkového měření sledování likvidity by mělo být sladěno s úrovní uplatňování a vykazování pro požadavek týkající se krytí likvidity v souladu s články 6 až 10 a s čl. 415 odst. 3 písm. a) nařízení (EU) č. 575/2013.
            
   
               (5)
            
               V zájmu zajištění proporcionality by mělo být namísto měsíčního vykazování povoleno čtvrtletní vykazování, pokud instituce není součástí skupiny, jejíž dceřiné společnosti nebo mateřské instituce se nacházejí v jiných jurisdikcích, než je jurisdikce jejího příslušného orgánu, a bilanční suma instituce představuje pouze malou část součtu individuálních bilančních sum všech institucí v dotyčném členském státě a celkový objem aktiv instituce není významný.
            
   
               (6)
            
               Vzhledem k významu vykazování doplňkového měření sledování likvidity pro náležitý dohled a jako nástroj včasného varování pro každodenní dohled by se toto nařízení mělo použít co nejdříve. Nicméně pro usnadnění počátečního provádění tohoto nařízení institucemi a příslušnými orgány během prvních šesti měsíců jeho uplatňování by měl termín pro předkládání údajů týkající se měsíčního vykazování doplňkového měření sledování likvidity připadnout nikoli na patnáctý, nýbrž na třicátý kalendářní den po referenčním datu sledovaného období.
            
   
               (7)
            
               Toto nařízení vychází z návrhů prováděcích technických norem, které Komisi předložil Evropský orgán pro bankovnictví (EBA).
            
   
               (8)
            
               Orgán EBA uskutečnil otevřené veřejné konzultace o návrhu prováděcích technických norem, z něhož toto nařízení vychází, analyzoval potenciální související náklady a přínosy a požádal o stanovisko skupinu subjektů působících v bankovnictví zřízenou podle článku 37 nařízení Evropského parlamentu a Rady (EU) č. 1093/2010 (3).
            
   
               (9)
            
               V souladu s postupem stanoveným v článku 15 nařízení (EU) č. 1093/2010 schválila Komise pozměněný návrh prováděcích technických norem předložený orgánem EBA s odůvodněním navrhovaných změn. Orgán EBA předložil formální stanovisko, v němž navrhované změny přijal s výjimkou těch, které se týkají vykazování likvidních aktiv a očekávaného peněžního přítoku a odtoku (tabulka splatností), a uvedl řadu důvodů ve prospěch svého přístupu.
            
   
               (10)
            
               Komise pečlivě posoudila důvody předložené orgánem EBA ve prospěch přijetí pravidel pro vykazování pro tabulku splatností na základě prozatímního přístupu k vykazování podle nařízení (EU) č. 575/2013. Tento přístup však bude třeba změnit, aby byl plně v souladu s konečným přístupem stanoveným v nařízení Komise v přenesené pravomoci (EU) 2015/61 (4), jehož použitelnost nastala dne 1. října 2015.
            
   
               (11)
            
               Komise plně uznává význam tabulky splatností jako nástroje dohledu. Komise se však domnívá, že přínosy pro dohled dosažené povinným vykazováním podle tabulky splatností, vycházejícího z neaktuálního přístupu k vykazování, nejsou přiměřené dodatečné regulační zátěži a zdvojení nákladů na dodržování předpisů. Orgán EBA by měl tabulku splatností co nejdříve aktualizovat na základě vykazování, jež bude plně v souladu s nařízením v přenesené pravomoci (EU) 2015/61 a předložit ji Komisi ke schválení. Mezitím a do doby, než bude schváleno povinné vykazování pro tabulku splatností tam, kde je nezbytné a opodstatněné, mohou orgány dohledu požadovat dodatečné vykazování, jež v tomto prováděcím nařízení není stanoveno, rovněž podle čl. 412 odst. 5 nařízení (EU) č. 575/2013.
            
   
               (12)
            
               Prováděcí nařízení (EU) č. 680/2014 by proto mělo být odpovídajícím způsobem změněno,
            
   PŘIJALA TOTO NAŘÍZENÍ:
   Článek 1
   Prováděcí nařízení (EU) č. 680/2014 se mění takto:
   
               1.
            
               V článku 1 se doplňuje nové písmeno g), které zní:
               
                           „g)
                        
                           doplňkové měření sledování likvidity v souladu s čl. 415 odst. 3 písm. b) nařízení (EU) č. 575/2013.“;
                        
            
   
               2.
            
               vkládá se nová kapitola 7b, která zní:
               „KAPITOLA 7b
               
                  FORMÁT A ČETNOST ZPRÁV O DOPLŇKOVÉM MĚŘENÍ SLEDOVÁNÍ LIKVIDITY NA INDIVIDUÁLNÍM A KONSOLIDOVANÉM ZÁKLADĚ
               
               Článek 16b
               
               1.   Za účelem podávání zpráv o doplňkovém měření sledování likvidity v souladu s čl. 415 odst. 3 písm. b) nařízení (EU) č. 575/2013 na individuálním a konsolidovaném základě předkládají instituce s měsíční periodicitou všechny tyto informace:
               
                           a)
                        
                           informace uvedené v příloze XVIII v souladu s pokyny v příloze XIX;
                        
               
                           b)
                        
                           informace uvedené v příloze XX v souladu s pokyny v příloze XXI.
                        
               2.   Odchylně od odstavce 1 smí instituce podávat zprávy o doplňkovém měření sledování likvidity se čtvrtletní periodicitou, pokud jsou splněny všechny tyto podmínky:
               
                           a)
                        
                           instituce není součástí skupiny, jejíž dceřiné společnosti nebo mateřské instituce se nacházejí v jiných jurisdikcích, než je jurisdikce příslušného orgánu dané instituce;
                        
               
                           b)
                        
                           poměr individuální bilanční sumy instituce vůči součtu individuálních bilančních sum všech institucí v dotyčném členském státě je nižší než 1 % po dobu dvou po sobě následujících let, které předcházejí sledovanému roku;
                        
               
                           c)
                        
                           celková aktiva instituce vypočítaná v souladu se směrnicí Rady 86/635/EHS (5) jsou nižší než 30 miliard EUR.
                        
               Pro účely písmene b) jsou údaje o bilanční sumě pro výpočet daného poměru založeny na auditovaných údajích z konce roku pro rok před rokem předcházejícím referenčnímu datu sledovaného období.
               3.   Pro účely povinností stanovených v odstavcích 1 a 2 je prvním měsícem, za který se mají podat zprávy o doplňkovém měření sledování likvidity, duben 2016.
               
                  (5)  Směrnice Rady 86/635/EHS ze dne 8. prosince 1986 o ročních účetních závěrkách a konsolidovaných účetních závěrkách bank a ostatních finančních institucí (Úř. věst. L 372, 31.12.1986, s. 1).“;"

            
   
               3.
            
               v článku 18 se doplňuje šestý pododstavec, který zní:
               „Odchylně od čl. 3 odst. 1 písm. a) je v případě měsíců od dubna 2016 do října 2016 včetně termínem pro měsíční vykazování doplňkového měření sledování likvidity třicátý kalendářní den po referenčním datu sledovaného období.“;
            
   
               4.
            
               Doplňují se přílohy XVIII až XXI v souladu se zněním přílohy tohoto nařízení.
            
   Článek 2
   Toto nařízení vstupuje v platnost dvacátým dnem po vyhlášení v Úředním věstníku Evropské unie.
   
      Toto nařízení je závazné v celém rozsahu a přímo použitelné ve všech členských státech.
      V Bruselu dne 1. března 2016.
      
         
            Za Komisi
         
         
            předseda
         
         Jean-Claude JUNCKER
      
   
   
   
      (1)  Úř. věst. L 176, 27.6.2013, s. 1.
   
      (2)  Prováděcí nařízení Komise (EU) č. 680/2014 ze dne 16. dubna 2014, kterým se stanoví prováděcí technické normy, pokud jde o podávání zpráv institucí pro účely dohledu podle nařízení Evropského parlamentu a Rady (EU) č. 575/2013 (Úř. věst. L 191, 28.6.2014, s. 1).
   
      (3)  Nařízení Evropského parlamentu a Rady (EU) č. 1093/2010 ze dne 24. listopadu 2010 o zřízení Evropského orgánu dohledu (Evropského orgánu pro bankovnictví), o změně rozhodnutí č. 716/2009/ES a o zrušení rozhodnutí Komise 2009/78/ES (Úř. věst. L 331, 15.12.2010, s. 12).
   
      (4)  Nařízení Komise v přenesené pravomoci (EU) 2015/61 ze dne 10. října 2014, kterým se doplňuje nařízení Evropského parlamentu a Rady (EU) č. 575/2013, pokud jde o požadavek na úvěrové instituce týkající se krytí likvidity (Úř. věst. L 11, 17.1.2015, s. 1).
   
   
      PŘÍLOHA
      „
            PŘÍLOHA XVIII
            
               DOPLŇKOVÉ MĚŘENÍ SLEDOVÁNÍ LIKVIDITY PODLE ČL. 415 ODST. 3 PÍSM. b) NAŘÍZENÍ (EU) č. 575/2013
            
            
                        
                           ŠABLONY DMSL
                        
                     
                        
                           Číslo šablony
                        
                     
                        
                           Kód šablony
                        
                     
                        
                           Název šablony / skupiny šablon
                        
                     
                        
                           ŠABLONY PRO DOPLŇKOVÉ NÁSTROJE SLEDOVÁNÍ
                        
                     
                        67
                     
                        C 67.00
                     
                        KONCENTRACE FINANCOVÁNÍ PODLE PROTISTRANY
                     
                        68
                     
                        C 68.00
                     
                        KONCENTRACE FINANCOVÁNÍ PODLE DRUHU PRODUKTU
                     
                        69
                     
                        C 69.00
                     
                        CENY ZA RŮZNÉ DOBY TRVÁNÍ FINANCOVÁNÍ
                     
                        70
                     
                        C 70.00
                     
                        REFINANCOVÁNÍ
                     
            
               
            
            
               C 67.00 – KONCENTRACE FINANCOVÁNÍ PODLE PROTISTRANY
            
            
                        osa z
                     Měny celkem a významné měny
            
                        
                           Koncentrace financování podle protistrany
                        
                     
                         
                     
                        
                           Název protistrany
                        
                     
                        
                           Kód LEI
                        
                     
                        
                           Odvětví protistrany
                        
                     
                        
                           Sídlo protistrany
                        
                     
                        
                           Druh produktu
                        
                     
                        
                           Přijatá částka
                        
                     
                        
                           Vážený průměr počáteční splatnosti
                        
                     
                        
                           Vážený průměr zbytkové splatnosti
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        010
                     
                        
                                    
                                       1.
                                    
                                 
                                    DESET NEJVÝZNAMNĚJŠÍCH PROTISTRAN, KAŽDÁ S PODÍLEM PŘESAHUJÍCÍM 1 % CELKOVÉHO OBJEMU ZÁVAZKŮ
                                 
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1,01
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1,02
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1,03
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1,04
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1,05
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1,06
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        080
                     
                        1,07
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        090
                     
                        1,08
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        100
                     
                        1,09
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        110
                     
                        1,10
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        120
                     
                        
                                    
                                       2.
                                    
                                 
                                    VŠECHNY OSTATNÍ ZÁVAZKY
                                 
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
               C 68.00 – KONCENTRACE FINANCOVÁNÍ PODLE DRUHU PRODUKTU
            
            
                        osa z
                     Měny celkem a významné měny
            
                        
                           Koncentrace financování podle druhu produktu
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Název produktu
                        
                     
                        
                           Celková přijatá částka
                        
                     
                        
                           Částka, která je kryta systémem pojištění vkladů podle směrnice 94/19/ES nebo rovnocenným systémem pojištění vkladů ve třetí zemi
                        
                     
                        
                           Částka, která není kryta systémem pojištění vkladů podle směrnice 94/19/ES nebo rovnocenným systémem pojištění vkladů ve třetí zemi
                        
                     
                        
                           Vážený průměr počáteční splatnosti
                        
                     
                        
                           Vážený průměr zbytkové splatnosti
                        
                     
                         
                     
                         
                     
                         
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        
                           PRODUKTY PŘESAHUJÍCÍ 1 % CELKOVÉHO OBJEMU ZÁVAZKŮ
                        
                     
                        010
                     
                        1
                     
                        
                           RETAILOVÉ FINANCOVÁNÍ
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1,1
                     
                        Vklady na požádání
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1,2
                     
                        Termínované vklady s počáteční splatností kratší než 30 dnů
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1,3
                     
                        Termínované vklady s počáteční splatností delší než 30 dnů
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1.3.1
                     
                        s pokutou za předčasný výběr, jejíž výše významně přesahuje ztrátu úroků za dobu zbývající do termínu splatnosti
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1.3.2
                     
                        bez pokuty za předčasný výběr, jejíž výše významně přesahuje ztrátu úroků za dobu zbývající do termínu splatnosti
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1,4
                     
                        Spořicí účty
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        080
                     
                        1.4.1
                     
                        s výpovědní lhůtou pro výběr delší než 30 dnů
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        090
                     
                        1.4.2
                     
                        bez výpovědní lhůty pro výběr delší než 30 dnů
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        100
                     
                        2
                     
                        
                           VELKOOBCHODNÍ FINANCOVÁNÍ
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        110
                     
                        2,1
                     
                        Nezajištěné velkoobchodní financování
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        120
                     
                        2.1.1
                     
                        z toho finanční zákazníci
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        130
                     
                        2.1.2
                     
                        z toho nefinanční zákazníci
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        140
                     
                        2.1.3
                     
                        z toho od subjektů ve skupině
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        150
                     
                        2,2
                     
                        Zajištěné velkoobchodní financování
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        160
                     
                        2.2.1
                     
                        z toho repa
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        170
                     
                        2.2.2
                     
                        z toho emise krytých dluhopisů
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        180
                     
                        2.2.3
                     
                        z toho emise cenných papírů krytých aktivy
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        190
                     
                        2.2.4
                     
                        z toho od subjektů ve skupině
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
               C 69.00 – CENY ZA RŮZNÉ DOBY TRVÁNÍ FINANCOVÁNÍ
            
            
                        osa z
                     Měny celkem a významné měny
            
                        
                           Ceny za různé doby trvání financování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           1 týden
                        
                     
                        
                           1 měsíc
                        
                     
                        
                           3 měsíce
                        
                     
                        
                           6 měsíců
                        
                     
                        
                           1 rok
                        
                     
                        
                           2 roky
                        
                     
                        
                           5 let
                        
                     
                        
                           10 let
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Rozpětí
                        
                     
                        
                           Objem
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        130
                     
                        140
                     
                        150
                     
                        160
                     
                        170
                     
                        180
                     
                        010
                     
                        1
                     
                        
                           Celkový objem financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1,1
                     
                        z toho: retailové vklady
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1,2
                     
                        z toho: nezajištěné velké komerční vklady
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1,3
                     
                        z toho: zajištěné financování
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1,4
                     
                        z toho: prioritní nezajištěné cenné papíry
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1,5
                     
                        z toho: kryté dluhopisy
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1,6
                     
                        z toho: cenné papíry zajištěné aktivy včetně ABCP
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
               C 70.00 – REFINANCOVÁNÍ
            
            
                        osa z
                     Měny celkem a významné měny
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           > 1 den ≤ 7 dní
                        
                     
                        
                           > 7 dní ≤ 14 dní
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        010
                     
                        1.1
                     
                        
                           1
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1.1.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1.1.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1.1.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1,2
                     
                        
                           2
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1.2.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1.2.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        080
                     
                        1.2.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 14 dní ≤ 1 měsíc
                        
                     
                        
                           > 1 měsíc ≤ 3 měsíce
                        
                     
                        
                           > 3 měsíce ≤ 6 měsíců
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        130
                     
                        140
                     
                        150
                     
                        160
                     
                        170
                     
                        180
                     
                        190
                     
                        200
                     
                        210
                     
                        220
                     
                        230
                     
                        240
                     
                        010
                     
                        1.1
                     
                        
                           1
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1.1.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1.1.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1.1.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1,2
                     
                        
                           2
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1.2.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1.2.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        080
                     
                        1.2.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 6 měsíců
                        
                     
                        
                           ‚Celkem čistá hodnota peněžní toky‘
                        
                     
                        
                           Průměrná doba financování (v dnech)
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Termín splatných prostředků
                        
                     
                        
                           Termín refinancovaných prostředků
                        
                     
                        
                           Termín nových prostředků
                        
                     
                        
                           Celkový profil financování
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        250
                     
                        260
                     
                        270
                     
                        280
                     
                        290
                     
                        300
                     
                        310
                     
                        320
                     
                        330
                     
                        010
                     
                        1.1
                     
                        
                           1
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        020
                     
                        1.1.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        030
                     
                        1.1.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        040
                     
                        1.1.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        050
                     
                        1,2
                     
                        
                           2
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        060
                     
                        1.2.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        070
                     
                        1.2.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        080
                     
                        1.2.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           > 1 den ≤ 7 dní
                        
                     
                        
                           > 7 dní ≤ 14 dní
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        090
                     
                        1,3
                     
                        
                           3
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        100
                     
                        1.3.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        110
                     
                        1.3.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        120
                     
                        1.3.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        130
                     
                        1.4
                     
                        
                           4
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        140
                     
                        1.4.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        150
                     
                        1.4.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        160
                     
                        1.4.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        170
                     
                        1.5
                     
                        
                           5
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        180
                     
                        1.5.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        190
                     
                        1.5.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        200
                     
                        1.5.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 14 dní ≤ 1 měsíc
                        
                     
                        
                           > 1 měsíc ≤ 3 měsíce
                        
                     
                        
                           > 3 měsíce ≤ 6 měsíců
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        130
                     
                        140
                     
                        150
                     
                        160
                     
                        170
                     
                        180
                     
                        190
                     
                        200
                     
                        210
                     
                        220
                     
                        230
                     
                        240
                     
                        090
                     
                        1,3
                     
                        
                           3
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        100
                     
                        1.3.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        110
                     
                        1.3.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        120
                     
                        1.3.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        130
                     
                        1.4
                     
                        
                           4
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        140
                     
                        1.4.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        150
                     
                        1.4.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        160
                     
                        1.4.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        170
                     
                        1.5
                     
                        
                           5
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        180
                     
                        1.5.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        190
                     
                        1.5.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        200
                     
                        1.5.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 6 měsíců
                        
                     
                        
                           ‚Celkem čistá hodnota peněžní toky‘
                        
                     
                        
                           Průměrná doba financování (v dnech)
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Termín splatných prostředků
                        
                     
                        
                           Termín refinancovaných prostředků
                        
                     
                        
                           Termín nových prostředků
                        
                     
                        
                           Celkový profil financování
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        250
                     
                        260
                     
                        270
                     
                        280
                     
                        290
                     
                        300
                     
                        310
                     
                        320
                     
                        330
                     
                        090
                     
                        1.3
                     
                        
                           3
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        100
                     
                        1.3.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        110
                     
                        1.3.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        120
                     
                        1.3.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        130
                     
                        1.4
                     
                        
                           4
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        140
                     
                        1.4.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        150
                     
                        1.4.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        160
                     
                        1.4.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        170
                     
                        1.5
                     
                        
                           5
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        180
                     
                        1.5.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        190
                     
                        1.5.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        200
                     
                        1.5.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           > 1 den ≤ 7 dní
                        
                     
                        
                           > 7 dní ≤ 14 dní
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        210
                     
                        1.6
                     
                        
                           6
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        220
                     
                        1.6.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        230
                     
                        1.6.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        240
                     
                        1.6.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        250
                     
                        1.7
                     
                        
                           7
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        260
                     
                        1.7.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        270
                     
                        1.7.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        280
                     
                        1.7.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        290
                     
                        1.8
                     
                        
                           8
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        300
                     
                        1.8.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        310
                     
                        1.8.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        320
                     
                        1.8.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 14 dní ≤ 1 měsíc
                        
                     
                        
                           > 1 měsíc ≤ 3 měsíce
                        
                     
                        
                           > 3 měsíce ≤ 6 měsíců
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        130
                     
                        140
                     
                        150
                     
                        160
                     
                        170
                     
                        180
                     
                        190
                     
                        200
                     
                        210
                     
                        220
                     
                        230
                     
                        240
                     
                        210
                     
                        1.6
                     
                        
                           6
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        220
                     
                        1.6.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        230
                     
                        1.6.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        240
                     
                        1.6.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        250
                     
                        1.7
                     
                        
                           7
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        260
                     
                        1.7.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        270
                     
                        1.7.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        280
                     
                        1.7.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        290
                     
                        1.8
                     
                        
                           8
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        300
                     
                        1.8.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        310
                     
                        1.8.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        320
                     
                        1.8.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 6 měsíců
                        
                     
                        
                           ‚Celkem čistá hodnota peněžní toky‘
                        
                     
                        
                           Průměrná doba financování (v dnech)
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Termín splatných prostředků
                        
                     
                        
                           Termín refinancovaných prostředků
                        
                     
                        
                           Termín nových prostředků
                        
                     
                        
                           Celkový profil financování
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        250
                     
                        260
                     
                        270
                     
                        280
                     
                        290
                     
                        300
                     
                        310
                     
                        320
                     
                        330
                     
                        210
                     
                        1.6
                     
                        
                           6
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        220
                     
                        1.6.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        230
                     
                        1.6.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        240
                     
                        1.6.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        250
                     
                        1.7
                     
                        
                           7
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        260
                     
                        1.7.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        270
                     
                        1.7.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        280
                     
                        1.7.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        290
                     
                        1.8
                     
                        
                           8
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        300
                     
                        1.8.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        310
                     
                        1.8.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        320
                     
                        1.8.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           > 1 den ≤ 7 dní
                        
                     
                        
                           > 7 dní ≤ 14 dní
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        330
                     
                        1.9
                     
                        
                           9
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        340
                     
                        1.9.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        350
                     
                        1.9.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        360
                     
                        1.9.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        370
                     
                        1.10
                     
                        
                           10
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        380
                     
                        1.10.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        390
                     
                        1.10.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        400
                     
                        1.10.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        410
                     
                        1,11
                     
                        
                           11
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        420
                     
                        1.11.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        430
                     
                        1.11.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        440
                     
                        1.11.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 14 dní ≤ 1 měsíc
                        
                     
                        
                           > 1 měsíc ≤ 3 měsíce
                        
                     
                        
                           > 3 měsíce ≤ 6 měsíců
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        130
                     
                        140
                     
                        150
                     
                        160
                     
                        170
                     
                        180
                     
                        190
                     
                        200
                     
                        210
                     
                        220
                     
                        230
                     
                        240
                     
                        330
                     
                        1.9
                     
                        
                           9
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        340
                     
                        1.9.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        350
                     
                        1.9.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        360
                     
                        1.9.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        370
                     
                        1.10
                     
                        
                           10
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        380
                     
                        1.10.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        390
                     
                        1.10.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        400
                     
                        1.10.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        410
                     
                        1,11
                     
                        
                           11
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        420
                     
                        1.11.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        430
                     
                        1.11.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        440
                     
                        1.11.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           > 6 měsíců
                        
                     
                        
                           ‚Celkem čistá hodnota peněžní toky‘
                        
                     
                        
                           Průměrná doba financování (v dnech)
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Termín splatných prostředků
                        
                     
                        
                           Termín refinancovaných prostředků
                        
                     
                        
                           Termín nových prostředků
                        
                     
                        
                           Celkový profil financování
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        250
                     
                        260
                     
                        270
                     
                        280
                     
                        290
                     
                        300
                     
                        310
                     
                        320
                     
                        330
                     
                        330
                     
                        1.9
                     
                        
                           9
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        340
                     
                        1.9.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        350
                     
                        1.9.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        360
                     
                        1.9.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        370
                     
                        1.10
                     
                        
                           10
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        380
                     
                        1.10.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        390
                     
                        1.10.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        400
                     
                        1.10.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        410
                     
                        1,11
                     
                        
                           11
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        420
                     
                        1.11.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        430
                     
                        1.11.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        440
                     
                        1.11.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
            
               
            
            
                        
                           Refinancování
                        
                     
                         
                     
                        
                           Jednodenní
                        
                     
                        
                           > 1 den ≤ 7 dní
                        
                     
                        
                           > 7 dní ≤ 14 dní
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Splatné
                        
                     
                        
                           Refinancování
                        
                     
                        
                           Nové prostředky
                        
                     
                        
                           Čistá hodnota
                        
                     
                        
                           Řádek
                        
                     
                        
                           ID
                        
                     
                        
                           Den
                        
                     
                        
                           Položka
                        
                     
                        010
                     
                        020
                     
                        030
                     
                        040
                     
                        050
                     
                        060
                     
                        070
                     
                        080
                     
                        090
                     
                        100
                     
                        110
                     
                        120
                     
                        450
                     
                        1,12
                     
                        
                           12
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        460
                     
                        1.12.1
                     
                        
                           retailové vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        470
                     
                        1.12.2
                     
                        
                           nezajištěné velké komerční vklady
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        480
                     
                        1.12.3
                     
                        
                           zajištěné financování
                        
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                         
                     
                        490
                     
                        1,13
                     
                        
                           13
                        
                     
                        
                           financování celkem
                        
                     
                         
                     
         &nb