@annies Dakujem za odpoved. Tak som sa s nimi dnes porozpraval, velmi sa mi nepaci "odovzdat im kluc" (rovnake ako pred 10 rokmi). Btw pozrite si vyrocnu spravu (som ich drobny akcionar tak to citavam), cast o likvidite, dost ma to znervoznilo (hoci podobny problem maju vsetky SR banky).
TB má zatiaľ rating AA+, ale mimo tejto investície som od nich stiahol všetko ostatné, aby som bol diverzifikovaný. Inak medzitým tá úroková sadzba vzrástla a podľa mňa po ECB hike-u 16.3. pôjde ešte mierne hore.
@annies Je to problem likvidity, kriteria LCR (kratkodobe 30dni) a NSFR (dlhofobe 1 rok) . Banky si pozicali obrovske peniaze od ECB v ramci TLTRO III, Tatra nie
kde okolo 2 mld, pricom ako kolateral emitovala vlastne dlhopisy. Podmienky tltro sa znacne zhorsili a cca za rok a pol musia byt cele splatene. Na strane pasiv zas pouzivaju "behavioralnu analyzu" cim sa zazracne z cca 9mld vkladov na poziadanie stane len potencialny odtok cca 3mld za rok. Pri uroku 0% ked male banky ponukaju uz 2 az 3%. Podobne je na tom aj VUB co som pozrel.
@sourchier It changed in the meantime, last time I checked it was 3,3% p.a. for 2 years (around 3% for 1 year as far as I remember). Currency EUR. Rate changes weekly (or even more) so current rates are available only when you talk to them directly.
Although payed exists (the reason why autocorrection didn't help you), it is only correct in:
Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. The deck is yet to be payed.
Payed out when letting strings, cables or ropes out, by slacking them. The rope is payed out! You can pull now.
Unfortunately, I was unable to find nautical or rope-related words in your comment.
@sunflowers24 3% in France with a stupid 22K cap (official), I've managed to get 4.4% with diverse placement like live insurance, buildings, American, 3rd world countries, obligations etc but if I had do to again no, too much work for nothing, also last year y had 1.2% lost.