{"id":170025,"date":"2016-11-10T09:55:51","date_gmt":"2016-11-10T08:55:51","guid":{"rendered":"http:\/\/hudo.com\/si\/?p=170025"},"modified":"2016-11-10T09:56:25","modified_gmt":"2016-11-10T08:56:25","slug":"racunsko-sodisce-nlb-ni-imela-meril-za-prenos-terjatev-na-dutb","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/racunsko-sodisce-nlb-ni-imela-meril-za-prenos-terjatev-na-dutb\/","title":{"rendered":"Ra\u010dunsko sodi\u0161\u010de: NLB ni imela meril za prenos terjatev na DUTB"},"content":{"rendered":"
\n

NLB je v tem obdobju uvedla ve\u010d ukrepov, s katerimi je zagotovila bolj\u0161e obvladovanje kreditnih tveganj – med drugim je vzpostavila mehanizem za zgodnje opozarjanje na pove\u010dano tveganje in vzpostavila sezname komitentov, ki jih spremlja in obravnava, \u0161e preden pride do morebitnega nepla\u010dila.<\/p>\n

Kljub ukrepom so se odstopanja od ustreznega ravnanja pri odobravanju in spremljavi kreditov \u0161e dogajala, ugotavlja ra\u010dunsko sodi\u0161\u010de, kar “ka\u017ee na potrebo po kontinuiranem razvoju procesov in uvajanju samodejnih postopkov ter kontrolnih funkcij”.<\/p>\n

Ra\u010dunsko sodi\u0161\u010de je ugotovilo ve\u010d nesmotrnosti, ki so se nana\u0161ale na uvrstitev komitentov na seznam za prenos na DUTB (niso bili uvr\u0161\u010deni vsi komitenti), na\u010din izbora komitentov za prenos na DUTB (izbor brez jasnih, vnaprej dolo\u010denih meril), vzpostavitev ustrezne revizijske sledi, ki bi zagotovila transparentnost postopka prenosa (ni razvidno, kdo je bil odgovoren za sprejemanje odlo\u010ditev). Vse podrobnosti postopka prenosa terjatev na DUTB so sicer ozna\u010dene kot poslovna skrivnost ali kot ban\u010dna tajnost.<\/p>\n

Skupina NLB je imela konec leta 2012 za 3,7 milijarde evrov nedonosnih terjatev. Kljub prenosu terjatev na DUTB jih je bilo konec leta 2013 \u0161e za 2,8 milijarde evrov oz. 25,6 odstotka kreditnega portfelja. Od za\u010detka leta 2013 do konca leta 2015 se je obseg nedonosnih terjatev zmanj\u0161al za 1,8 milijarde evrov, najve\u010d na ra\u010dun prenosa na DUTB in odpisa terjatev.<\/p>\n

Ra\u010dunsko sodi\u0161\u010de ugotavlja, da je NLB \u0161e vedno krepko nad povpre\u010djem evropskih bank po dele\u017eu slabih posojil v kreditnem portfelju: konec leta 2015 je dele\u017e na ravni skupine NLB zna\u0161al 19,3 odstotka, evropsko povpre\u010dje je bilo pri 5,7 odstotka. NLB na strate\u0161ki ravni ni dolo\u010dila kon\u010dnega ciljnega obsega slabih posojil in kdaj naj bi ga dosegla.<\/p>\n

V letu 2015 je sprejela strategijo zmanj\u0161evanja nedonosnih terjatev s cilji in ukrepi, a cilji niso bili v celoti dolo\u010dljivi (zaradi sprememb metodologije podatki niso primerljivi), za ukrepe niso bili dolo\u010deni kazalniki, ki bi omogo\u010dali usmerjanje in spremljanje ukrepov, poleg tega cilji niso bili dolo\u010deni za vse ukrepe, zato ni mogo\u010de podati ocene uspe\u0161nosti izvedenih ukrepov.<\/p>\n

Ra\u010dunsko sodi\u0161\u010de je ve\u010d nesmotrnosti ugotovilo tudi pri upravljanju s pogodbami, in sicer NLB pri povpra\u0161evanju po kompleksnej\u0161ih storitvah potencialnim ponudnikom ni posredovala splo\u0161nih pogojev, pod katerimi bo sklenila pogodbo, standardne pogodbene sankcije niso bile opredeljene, metodologija za vodenje prihrankov se ni v celoti izvajala, sistem za ocenjevanje kakovosti in tveganosti dobaviteljev je sicer vzpostavljen, vendar banka ni ocenila vseh dobaviteljev.<\/p>\n

Nesmotrnosti so bile tudi pri postopku izbire zunanjih izvajalcev za izvedbo storitev pregleda in preiskave slabih nalo\u017eb NLB. In sicer banka ni vnaprej opredelila vseh zahtev glede na\u010dina poslovanja, v kasnej\u0161i fazi nepri\u010dakovano raz\u0161irjen obseg storitev pa je od sklenitve pogodbe odvrnil najbolj\u0161ega ponudnika. NLB poleg tega od ponudnikov ni pridobila ustreznega zagotovila, da so predlo\u017eene reference ustrezne oziroma verodostojne – ni preverila, ali ponudniki izpolnjujejo zahteve za kakovostno izvedbo pregleda.<\/p>\n

Ra\u010dunsko sodi\u0161\u010de je NLB podalo ve\u010d priporo\u010dil za uspe\u0161nej\u0161e obvladovanje tveganj na podro\u010dju upravljanja z nedonosnimi terjatvami in upravljanja s pogodbami.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ra\u010dunsko sodi\u0161\u010de je v reviziji uspe\u0161nosti upravljanja z nedonosnimi terjatvami in s pogodbami v obdobju od za\u010detka leta 2013 do 2. septembra 2016 ugotovilo ve\u010d nesmotrnosti pri prenosu terjatev na DUTB, pri izbiri zunanjega izvajalca za pregled slabih nalo\u017eb in pri upravljanju s pogodbami. Banki je podalo ve\u010d priporo\u010dil.<\/p>\n","protected":false},"author":5,"featured_media":170027,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1179],"tags":[5110,4595,5475,6948],"source":[4511],"supertag":[7541,5675],"acf":[],"yoast_head":"\nRa\u010dunsko sodi\u0161\u010de: NLB ni imela meril za prenos terjatev na DUTB - Hudo Slovenija<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hudo.com\/si\/aktualno\/racunsko-sodisce-nlb-ni-imela-meril-za-prenos-terjatev-na-dutb\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ra\u010dunsko sodi\u0161\u010de: NLB ni imela meril za prenos terjatev na DUTB - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Ra\u010dunsko sodi\u0161\u010de je v reviziji uspe\u0161nosti upravljanja z nedonosnimi terjatvami in s pogodbami v obdobju od za\u010detka leta 2013 do 2. septembra 2016 ugotovilo ve\u010d nesmotrnosti pri prenosu terjatev na DUTB, pri izbiri zunanjega izvajalca za pregled slabih nalo\u017eb in pri upravljanju s pogodbami. 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