{"id":5634,"date":"2014-08-20T00:00:00","date_gmt":"2014-08-19T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/rozhovor-s-osobnostou-katarina-boledovicova-2\/"},"modified":"2014-08-20T00:00:00","modified_gmt":"2014-08-19T23:00:00","slug":"rozhovor-s-osobnostou-katarina-boledovicova-2","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/rozhovor-s-osobnostou-katarina-boledovicova-2\/","title":{"rendered":"Interview with a celebrity \u2013 Katar\u00edna Boledovi\u010dov\u00e1"},"content":{"rendered":"

Po \u00faspe\u0161nom absolvovan\u00ed Fakulty matematiky,\u00a0fyziky a informatiky na Univerzite Komensk\u00e9ho\u00a0pracovala v spolo\u010dnosti Symsite Research. V roku\u00a02005 nast\u00fapila na miesto biznis analytika\u00a0Tatrabanky, kde sa z\u00fa\u010dast\u0148ovala na viacer\u00fdch\u00a0projektoch v r\u00e1mci banky i mimo nej. Dnes stoj\u00ed\u00a0na \u010dele priv\u00e1tneho bankovn\u00edctva, t\u00edmu, ktor\u00e9ho\u00a0je d\u00f4le\u017eitou s\u00fa\u010das\u0165ou u\u017e od roku 2007. Katar\u00edna\u00a0Boledovi\u010dov\u00e1 je vydat\u00e1 a m\u00e1 dve deti.<\/strong><\/h3>\n

<\/h3>\n

\u00a0 \u00a01. Ak\u00e9 je to by\u0165 \u017eenou, ktor\u00e1 riadi\u00a0in\u0161tit\u00faciu, kde profesne \u201epreva\u017euj\u00fa\u201c\u00a0mu\u017ei?<\/strong><\/p>\n

\u00a0 \u00a0Jednozna\u010dne je to v\u00fdzva. Av\u0161ak \u017eensk\u00e1\u00a0intu\u00edcia a schopnos\u0165 paralelne st\u00edha\u0165 viac vec\u00ed\u00a0naraz s\u00fa v komplexnom svete v\u00fdhodou, ktor\u00fa\u00a0n\u00e1sledne viem vyu\u017ei\u0165. M\u00e1m pocit, \u017ee obrovskou\u00a0v\u00fdhodou je moja matersk\u00e1 sk\u00fasenos\u0165.\u00a0Niekedy je pri mno\u017estve vec\u00ed potrebn\u00e1 ohromn\u00e1\u00a0trpezlivos\u0165, ktorej nau\u010dia pr\u00e1ve deti. Koniec\u00a0koncov, ka\u017ed\u00fd jedinec chce by\u0165 pochv\u00e1len\u00fd.\u00a0Potrebuje len priestor, aby sa mohol uk\u00e1za\u0165,\u00a0aby mohol predvies\u0165 svoj najlep\u0161\u00ed v\u00fdkon. \u201eMana\u017eovanie\u201c\u00a0det\u00ed je ve\u013emi podobn\u00e9 aj re\u00e1lnemu\u00a0mana\u017ementu, iba \u00falohy a situ\u00e1cie s\u00fa in\u00e9.<\/p>\n

\u00a0 \u00a02. \u010co je pre v\u00e1s mot\u00edvom \u2013 in\u0161pir\u00e1ciou\u00a0robi\u0165 to, \u010do rob\u00edte?<\/strong><\/p>\n

\u00a0 \u00a0Zauj\u00edmav\u00ed \u013eudia, ktor\u00fdch denne stret\u00e1vam,\u00a0klienti, biznis partneri \u010di kolegovia. V\u0161etci\u00a0z nich s\u00fa v\u00fdnimo\u010dn\u00e9 osobnosti. Priv\u00e1tne bankovn\u00edctvo\u00a0nie je len o riadite\u013eovi, ale pr\u00e1ve\u00a0o t\u00edme, v\u010faka ktor\u00e9mu m\u00f4\u017eeme vytv\u00e1ra\u0165 najlep\u0161ie\u00a0priv\u00e1tne bankovn\u00edctvo na Slovensku.\u00a0Pr\u00e1ve m\u00f4j t\u00edm je pre m\u0148a ve\u013ekou in\u0161pir\u00e1ciou.\u00a0Rovnako v\u0161ak aj banka ako celok, ktor\u00e1 pos\u00fava\u00a0hranice bankovn\u00edctva vo svete. Je skvel\u00e9 robi\u0165\u00a0v in\u0161tit\u00facii, ktor\u00e1 m\u00f4\u017ee ma\u0165 ocenenie ako najlep\u0161ia\u00a0vo svete. A t\u00fdm je aj ocenenie pre na\u0161e\u00a0mobiln\u00e9 bankovn\u00edctvo. Pr\u00e1ve tu nach\u00e1dzam in\u0161pir\u00e1cie,\u00a0preto\u017ee viem, \u017ee tvor\u00edme bud\u00facnos\u0165.\u00a0Podie\u013eanie sa na tvorbe bud\u00facnosti je najlep\u0161ou\u00a0motiv\u00e1ciou.<\/p>\n

\u00a0 \u00a03. Ak\u00fd je v\u00e1\u0161 vlastn\u00fd n\u00e1zor na to,\u00a0\u010do sa udialo v roku 2008 vo svetovom\u00a0finan\u010dnom syst\u00e9me?<\/strong><\/p>\n

\u00a0 \u00a0Neviem, \u010di n\u00e1zor na pomerne komplexne\u00a0pop\u00edsan\u00fa udalos\u0165, respekt\u00edve zd\u00f4vodnenie kr\u00edzy,\u00a0m\u00f4\u017ee by\u0165 in\u00e9. V\u017edy lakomos\u0165 a snaha chcie\u0165\u00a0st\u00e1le viac povedie k podobn\u00e9mu v\u00fdsledku. Aj\u00a0preto sa kr\u00edzy vo svete opakuj\u00fa a bud\u00fa vznika\u0165.\u00a0Bola to kr\u00edza mor\u00e1lky, len n\u00e1sledky boli ekonomick\u00e9.<\/p>\n

\u00a0 \u00a04. Mysl\u00edte si, \u017ee regul\u00e1cia finan\u010dn\u00e9ho\u00a0syst\u00e9mu zabr\u00e1ni vytv\u00e1raniu kr\u00edz?<\/strong><\/p>\n

\u00a0 \u00a0Nemysl\u00edm si to. Boli probl\u00e9m vlastn\u00e9 hypot\u00e9ky\u00a0alebo t\u00fa\u017eba \u013eud\u00ed ma\u0165 lep\u0161ie domovy\u00a0ako tie, na ktor\u00e9 re\u00e1lne mali alebo boli schopn\u00ed\u00a0spl\u00e1ca\u0165? Je mo\u017en\u00e9 regulova\u0165 mor\u00e1lku?<\/p>\n

\u00a0 \u00a05. Ak\u00fd je pod\u013ea v\u00e1s typick\u00fd profil\u00a0klienta priv\u00e1tneho bankovn\u00edctva?<\/strong><\/p>\n

\u00a0 \u00a0V z\u00e1sade konzervat\u00edvny, m\u00e1 v\u0161ak o\u010dak\u00e1vanie\u00a0vy\u0161\u0161\u00edch v\u00fdnosov – ak sa pozrieme na investi\u010dn\u00fd\u00a0profil klienta. Priemern\u00fd priv\u00e1tny klient\u00a0m\u00e1 nad 57 rokov, viac menej u\u017e exitoval z akt\u00edvneho\u00a0denn\u00e9ho biznisu. V ka\u017edom pr\u00edpade\u00a0m\u00e1 vysok\u00e9 n\u00e1roky na slu\u017ebu, ktor\u00fa dost\u00e1va.\u00a0Sna\u017e\u00edme sa preto neust\u00e1le zvy\u0161ova\u0165 kvalitu\u00a0a rozsah slu\u017eieb, aby sme boli schopn\u00ed plni\u0165 \u010do\u00a0najviac klientsk\u00fdch potrieb a po\u017eiadaviek v \u010do\u00a0najvy\u0161\u0161ej kvalite.<\/p>\n

\u00a0\u00a06. \u010co si mysl\u00edte, do akej miery je\u00a0s\u00fa\u010dasn\u00fd glob\u00e1lny finan\u010dn\u00fd syst\u00e9m\u00a0postaven\u00fd na virtu\u00e1lnej alebo re\u00e1lnej\u00a0hodnote?<\/strong><\/p>\n

\u00a0 \u00a0Z\u00e1le\u017e\u00ed na tom, ako definujete hodnotu.\u00a0Ak je virtu\u00e1lna hodnota v\u0161etko, \u010do si nem\u00f4\u017eeme\u00a0re\u00e1lne chyti\u0165, tak je odpove\u010fou \u00e1no. Na\u00a0druhej strane, je pod\u013ea m\u0148a prirodzen\u00e9, \u017ee sa\u00a0chcem podie\u013ea\u0165 na zisku spolo\u010dnosti. K\u00fapim\u00a0si jej akciu ako podiel na hodnote firmy a dost\u00e1vam\u00a0\u010das\u0165 zisku vo forme dividendy. Ak to\u00a0sprav\u00ed mnoho investorov, preto\u017ee niektor\u00e9\u00a0spolo\u010dnosti to preferuj\u00fa, automaticky vy\u017een\u00fa\u00a0cenu akci\u00ed nahor.<\/p>\n

\u00a0 \u00a0Sk\u00f4r si mysl\u00edm, \u017ee probl\u00e9mom je monet\u00e1rna\u00a0politika centr\u00e1lnych b\u00e1nk. Ich \u201etla\u010denie pe\u0148az\u00ed\u201c\u00a0a teda degradovanie slova \u201ehodnota\u201c.<\/p>\n

\u00a0\u00a07. Ak\u00fd je v\u00e1\u0161 n\u00e1zor na pomer ceny\u00a0tr\u00f3jskej unce v roku 1970 (uvedenej\u00a0v USD) v z\u00e1vislosti na Brettonwoodsk\u00fa\u00a0dohodu verzus dne\u0161n\u00fa hodnotu USD\u00a0k hodnote indexu Dow Jones?<\/strong><\/p>\n

\u00a0 \u00a0Ostanem pri predch\u00e1dzaj\u00facej odpovedi.\u00a0Degradovanie slova \u201ehodnota\u201c. Tak, ako sme\u00a0si vybrali zlato alebo akciov\u00fd index, si m\u00f4\u017eeme\u00a0vybra\u0165 ak\u00fdko\u013evek statok \u010di slu\u017ebu. Odpove\u010fou\u00a0je infl\u00e1cia.<\/p>\n

\u00a0 \u00a0Mo\u017en\u00e9 s\u00fa dva poh\u013eady. Aktu\u00e1lne hodnota\u00a0pomeru DJIA vs. Gold je pribli\u017ene 12,3, teda\u00a0za 12 unc\u00ed viete k\u00fapi\u0165 DJI. Ako je vidie\u0165 z grafu,\u00a0v roku 1970 sme boli vy\u0161\u0161ie (niekde okolo 20),\u00a0\u010do znamen\u00e1, \u017ee akcie (meran\u00e9 DJI) s\u00fa v cen\u00e1ch\u00a0zlata lacnej\u0161ie. Teda st\u00e1le je zauj\u00edmav\u00e9 investova\u0165\u00a0do podnikania (resp. akci\u00ed), preto\u017ee v pomere\u00a0k cene je zlata je to st\u00e1le zauj\u00edmav\u00e9.<\/p>\n

\u00a0 \u00a0Druh\u00fd poh\u013ead je, \u017ee zlato v pomere k cen\u00e1m\u00a0za podnikanie je drah\u00e9 a pomer vie vysko\u010di\u0165\u00a0t\u00fdm, \u017ee zlato p\u00f4jde pri 800 USD za uncu, \u010do\u00a0by bola hodnota DJI verzus zlato 20.<\/p>\n

\u00a0 \u00a08. Ako by pod\u013ea v\u00e1s mal klient vn\u00edma\u0165\u00a0priv\u00e1tneho bank\u00e1ra, s \u010d\u00edm by sa\u00a0mal na neho obraca\u0165?<\/strong><\/p>\n

\u00a0 \u00a0Neexistuje limit: \u201eToto u\u017e priv\u00e1tny bank\u00e1r\u00a0nerie\u0161i\u201c. Teda ak m\u00e1me na mysli veci, ktor\u00e9 s\u00fa\u00a0korektn\u00e9 a leg\u00e1lne. To znamen\u00e1, \u017ee je ve\u013emi\u00a0dobre, ak sa na bank\u00e1ra obracia so v\u0161etk\u00fdmi\u00a0po\u017eiadavkami, ktor\u00e9 v kone\u010dnom d\u00f4sledku\u00a0treba zaplati\u0165 alebo prefinancova\u0165. Vz\u0165ah bank\u00e1ra\u00a0a klienta je zalo\u017een\u00fd na vz\u00e1jomnej d\u00f4vere.\u00a0Klient h\u013ead\u00e1 odborn\u00edka na finan\u010dn\u00e9 trhy a prostredn\u00edka\u00a0medzi n\u00edm a bankou. Je to osoba,\u00a0s ktorou rie\u0161i v\u0161etky svoje z\u00e1le\u017eitosti t\u00fdkaj\u00face sa\u00a0banky, financovania \u010di spr\u00e1vy svojho majetku.\u00a0Vz\u0165ah priv\u00e1tneho bank\u00e1ra a klienta zavis\u00ed aj od\u00a0toho ako dlho spolupracuj\u00fa a nie je v\u00fdnimkou,\u00a0\u017ee tento vz\u0165ah mo\u017eno nazva\u0165 priate\u013esk\u00fdm.<\/p>\n

\u00a0 \u00a09. \u010casto kladenou ot\u00e1zkou je: \u201eS\u00fa\u00a0finan\u010dn\u00e9 prostriedky z\u00e1rukou \u0161\u0165astn\u00e9ho\u00a0a bezstarostn\u00e9ho \u017eivota, \u010do si o tom\u00a0mysl\u00edte\u201c?<\/strong><\/p>\n

\u00a0 \u00a0\u0160\u0165astie je iba mu\u0161ka zlat\u00e1. Ur\u010dite nie je\u00a0z\u00e1rukou. Prostriedky n\u00e1m v\u0161ak d\u00e1vaj\u00fa mo\u017enosti\u00a0realizova\u0165 sa, \u010di robi\u0165 \u0161\u0165astie in\u00fdm. To rob\u00ed\u00a0prirodzene \u0161\u0165astn\u00fdch aj n\u00e1s. Preto by som to\u00a0sk\u00f4r zhrnula inak. Finan\u010dn\u00e9 prostriedky s\u00fa len\u00a0jedn\u00fdm z n\u00e1strojov, v\u010faka ktor\u00fdm m\u00f4\u017eeme by\u0165\u00a0\u0161\u0165astnej\u0161\u00ed. Ur\u010dite nie s\u00fa z\u00e1rukou ani podmienkou\u00a0pre \u0161\u0165astie. Napr\u00edklad ja som \u0161\u0165astn\u00e1, \u017ee s\u00fa\u00a0moje deti zdrav\u00e9 a m\u00e1m pr\u00e1cu, ktor\u00e1 ma bav\u00ed.<\/p>\n

\u00a0 \u00a0Niekedy si dostato\u010dne nev\u00e1\u017eime to, \u010do\u00a0m\u00e1me a pritom mo\u017eno sta\u010d\u00ed ve\u013emi m\u00e1lo – ma\u0165\u00a0raz za de\u0148 tepl\u00e9 jedlo, ka\u017ed\u00fa noc spa\u0165 a nema\u0165\u00a0v krajine konflikt. U\u017e toto n\u00e1s rad\u00ed medzi p\u00e4\u0165\u00a0percent \u0161\u0165astn\u00fdch na svete.<\/p>\n

\u00a0 \u00a010. Ma\u0165 \u010darovn\u00fd pr\u00fatik a m\u00f4c\u0165 nie\u010do\u00a0vo svete zmeni\u0165, na \u010do by ste sa zamerali,\u00a0\u010do by ste zmenili?<\/strong><\/p>\n

\u00a0 \u00a0Odstr\u00e1nila by som z\u00e1vis\u0165 a nen\u00e1vis\u0165 a,\u00a0naopak, pridala \u013eu\u010fom l\u00e1sku, n\u00e1dej a pozit\u00edvne\u00a0my\u0161lienky. Apropo, nemysl\u00edm si, \u017ee by ten\u00a0pr\u00fatik bol nie\u010do rozpr\u00e1vkov\u00e9. Ver\u00edm, \u017ee ka\u017ed\u00fd\u00a0z n\u00e1s m\u00f4\u017ee pou\u017ei\u0165 svoj \u017eivot ako \u010darovn\u00fd pr\u00fatik.<\/p>\n

\u00a0 \u00a011. Ako bank\u00e1r, \u010do by ste poradili\u00a0na\u0161im \u010ditate\u013eom?<\/strong><\/p>\n

\u00a0 \u00a0Ako bank\u00e1r a rovnako investor rad\u00edm ur\u010dite\u00a0diverzifikova\u0165. Rozlo\u017ei\u0165 svoje portf\u00f3lio do\u00a0viacer\u00fdch in\u0161trumentov \u010di sektorov. Rozbi\u0165 ho\u00a0na drobn\u00e9 a by\u0165 si ist\u00fd, \u017ee s takto nastavenou\u00a0strat\u00e9giou m\u00f4\u017eem by\u0165 v\u00ed\u0165az v ka\u017edej situ\u00e1ci\u00ed.\u00a0Nikto z n\u00e1s nem\u00e1 \u010darovn\u00fa gu\u013eu a nikto nevie\u00a0zaru\u010di\u0165, ktor\u00e9 akt\u00edvum bude ma\u0165 najlep\u0161iu v\u00fdkonnos\u0165.\u00a0Ani v podnikan\u00ed nikto negarantuje, \u017ee\u00a0nem\u00f4\u017ee pr\u00eds\u0165 zl\u00e9 obdobie. Ak v\u0161ak rozlo\u017e\u00edme\u00a0svoje portf\u00f3lio dostato\u010dne, zabezpe\u010d\u00edme si prirodzen\u00fd\u00a0cashflow.<\/p>\n

\n

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Vladimir Orth<\/p>","protected":false},"excerpt":{"rendered":"

Po \u00faspe\u0161nom absolvovan\u00ed Fakulty matematiky,\u00a0fyziky a informatiky na Univerzite Komensk\u00e9ho\u00a0pracovala v spolo\u010dnosti Symsite Research. V roku\u00a02005 nast\u00fapila na miesto biznis analytika\u00a0Tatrabanky, kde sa z\u00fa\u010dast\u0148ovala na<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-5634","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/5634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=5634"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/5634\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=5634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=5634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=5634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}