{"id":4596,"date":"2026-09-10T07:49:26","date_gmt":"2026-09-10T07:49:26","guid":{"rendered":"https:\/\/finorabank.eu\/?p=4596"},"modified":"2026-09-10T07:49:29","modified_gmt":"2026-09-10T07:49:29","slug":"greitai-augti-neuztenka-kokius-issukius-tenka-iveikti-gavus-specializuoto-banko-licencija","status":"publish","type":"post","link":"https:\/\/finorabank.eu\/lt\/greitai-augti-neuztenka-kokius-issukius-tenka-iveikti-gavus-specializuoto-banko-licencija\/","title":{"rendered":"Greitai augti neu\u017etenka: kokius i\u0161\u0161\u016bkius tenka \u012fveikti gavus specializuoto banko licencij\u0105?"},"content":{"rendered":"\n

Finans\u0173 sektoriuje veikian\u010dioms \u012fmon\u0117ms banko licencija gali atverti duris \u012f greitesn\u012f augim\u0105, platesn\u012f paslaug\u0173 spektr\u0105 ir naujas rinkas. Ta\u010diau j\u0105 gavus gerokai pakyla ir reguliacin\u0117 kartel\u0117. Nors specializuoti bankai \u012fprastai yra ma\u017eesni u\u017e rinkos lyderius, jiems galioja tie patys kapitalo, rizik\u0173 valdymo, atitikties bei saugumo reikalavimai. Apie tai, su kokiais i\u0161\u0161\u016bkiais susiduria specializuoti bankai ir kod\u0117l spartus augimas gali tapti nauju i\u0161bandymu organizacijai, \u012f\u017evalgomis dalijasi<\/strong> \u201eFinora Bank\u201c<\/strong> administracijos vadovas \u0160ar\u016bnas Ruzgys.<\/strong><\/p>\n\n\n\n

Nuo finansini\u0173 technologij\u0173 \u012fmon\u0117s iki banko: licencija \u017eymi tik kelion\u0117s prad\u017ei\u0105<\/strong><\/h3>\n\n\n\n

Per pastar\u0105j\u012f de\u0161imtmet\u012f Lietuvoje spar\u010diai i\u0161augo finansini\u0173 technologij\u0173 sektorius. Kai kurioms \u201efintech\u201c \u012fmon\u0117ms, siekian\u010dioms pl\u0117sti savo veiklos model\u012f, finansavimo \u0161altinius ir paslaug\u0173 spektr\u0105, vienu i\u0161 strategini\u0173 \u017eingsni\u0173 tapo banko licencijos gavimas.<\/p>\n\n\n\n

\u201eGr\u012f\u017etant \u012f m\u016bs\u0173 veiklos prad\u017ei\u0105, specializuoto banko model\u012f pasirinkome matydami ai\u0161ki\u0105 ir ilgalaik\u0119 problem\u0105 \u2013 ribot\u0105 finansavimo prieinamum\u0105 ma\u017eoms bei vidutin\u0117ms \u012fmon\u0117ms (MV\u012e). Europoje ir Baltijos \u0161alyse ji buvo aktuali dar prie\u0161 de\u0161imtmet\u012f, ta\u010diau svarbi i\u0161lieka ir \u0161iandien. \u0160i\u0173 met\u0173 vasar\u0105 paskelbta Europos Centrinio Banko apklausa parod\u0117, kad 2026 m. antr\u0105j\u012f ketvirt\u012f MV\u012e galimyb\u0117s gauti banko paskol\u0105 toliau \u0161iek tiek ma\u017e\u0117jo, o atotr\u016bkis tarp finansavimo poreikio ir jo prieinamumo padid\u0117jo\u201c, \u2013 teigia \u0160ar\u016bnas Ruzgys.<\/p>\n\n\n\n

Specializuoti bankai gali grei\u010diau priimti sprendimus, lanks\u010diau \u012fvertinti konkretaus verslo situacij\u0105 ir aptarnauti \u012fmones, kurios lieka did\u017ei\u0173j\u0173 bank\u0173 para\u0161t\u0117se. Ta\u010diau \u201eFinora Bank\u201c administracijos vadovas pastebi, kad b\u016btent \u010dia i\u0161ry\u0161k\u0117ja paradoksas: rinkoje turi veikti lanks\u010diai ir greitai, o viduje \u2013 itin disciplinuotai.<\/p>\n\n\n\n

\u201eBanko licencij\u0105 gavome 2022 m., pra\u0117jus a\u0161tuoneriems metams nuo finansini\u0173 technologij\u0173 \u012fmon\u0117s \u012fsteigimo Estijoje. Procesas nebuvo paprastas: teko parengti did\u017eiul\u0119 apimt\u012f dokument\u0173, sukurti b\u016btinus procesus ir \u012frodyti, kad esame pasireng\u0119 juos taikyti prakti\u0161kai. Ta\u010diau gavus licencij\u0105 darbas tik prasideda. Reikia pritraukti klientus, vykdyti operacijas ir nuolat tikrinti, ar kiekviena sistemos dalis atlaiko realios veiklos kr\u016bv\u012f. Kartu b\u016btina modeliuoti tolesn\u0119 pl\u0117tr\u0105: \u012fvertinti, koki\u0173 paj\u0117gum\u0173 reik\u0117s, kiek rezerv\u0173 b\u016btina sukaupti ir kok\u012f s\u0105naud\u0173 lyg\u012f organizacija gali sau leisti. Finansin\u0117 drausm\u0117 yra neatsiejama tvaraus augimo ir \u012fsipareigojim\u0173 akcininkams dalis\u201c, \u2013 teigia \u0160. Ruzgys.<\/p>\n\n\n\n

Prisitaikant prie skirting\u0173 augimo etap\u0173, reguliacin\u0117 disciplina i\u0161lieka privaloma<\/strong><\/h3>\n\n\n\n

Pasak \u201eFinora Bank\u201c administracijos vadovo, reguliuojamoje rinkoje glaudus dialogas su prie\u017ei\u016bros institucijomis yra b\u016btinas. Jis padeda grei\u010diau identifikuoti tobulintinas sritis ir \u012fvertinti, ar procesai, dokumentacija bei bendras organizacijos po\u017ei\u016bris atitinka keliamus l\u016bkes\u010dius.<\/p>\n\n\n\n

\u201eKiekviena finans\u0173 \u012fstaiga turi rasti jos veiklos modeliui tinkamiausius b\u016bdus reikalavimams \u012fgyvendinti. Tai priklauso nuo pasirinkt\u0173 technologini\u0173 sprendim\u0173, komandos kompetencij\u0173 ir bendros strategijos. Tod\u0117l palaikome nuosekl\u0173 bendradarbiavim\u0105, atsi\u017evelgiame \u012f gaunamas rekomendacijas ir nuosekliai vykdome prisiimtus \u012fsipareigojimus — stipriname rizik\u0173 valdym\u0105 ir technologin\u0119 infrastrukt\u016br\u0105, \u012fskaitant naujos bankin\u0117s sistemos diegimo u\u017ebaigim\u0105. Galiausiai tikslas yra bendras \u2013 saugi, tvari ir subalansuota banko veikla\u201c, \u2013 sako \u0160ar\u016bnas Ruzgys.<\/p>\n\n\n\n

Jis priduria, kad ypa\u010d pirmaisiais metais tenka greitai reaguoti \u012f poky\u010dius ir prisitaikyti prie skirting\u0173 organizacijos augimo etap\u0173. Jei veiklos prad\u017eioje reikia dr\u0105sesni\u0173 sprendim\u0173, v\u0117liau procesus b\u016btina stabilizuoti, testuoti ir, prireikus, nedelsiant koreguoti. Tai galioja tiek technologijoms, tiek vidini\u0173 i\u0161tekli\u0173 planavimui \u2013 tod\u0117l, kei\u010diantis organizacijos poreikiams, ne kart\u0105 atsinaujino ir komandos sud\u0117tis.<\/p>\n\n\n\n

Augim\u0105 lemia ne vien klient\u0173 skai\u010dius, ta\u010diau ir pritrauktas kapitalas<\/strong><\/h3>\n\n\n\n

Daugeliui nauj\u0173 versl\u0173 prireikia ne vieneri\u0173 met\u0173, kol pradin\u0117s investicijos pradeda atsipirkti. Bankininkyst\u0117je \u0161is kelias gali b\u016bti dar ilgesnis, nes operatyvinius paj\u0117gumus ir reguliacin\u0119 atitikt\u012f privaloma u\u017etikrinti nuo pat pirm\u0173j\u0173 dien\u0173. Tod\u0117l didel\u0117 s\u0105naud\u0173 dalis atsiranda dar prie\u0161 bankui pasiekiant didesn\u012f veiklos mast\u0105.<\/p>\n\n\n\n

\u201eSpecializuoto banko pelningumas priklauso ne vien nuo geb\u0117jimo pritraukti klientus ir suteikti daugiau paskol\u0173. MV\u012e finansavimo poreikis yra realus, tod\u0117l galimybi\u0173 auginti paskol\u0173 portfel\u012f rinkoje netr\u016bksta. 2025-ieji mums buvo rekordiniai \u2013 grynasis paskol\u0173 portfelis i\u0161augo daugiau nei tris kartus, o pajamos padid\u0117jo 141 proc. \u017dvelgiant i\u0161 verslo perspektyvos, toks augimas patvirtina veiklos modelio potencial\u0105. Ta\u010diau reguliaciniu po\u017ei\u016briu tai gali lemti atsargesnius sprendimus ir grie\u017etesnius reikalavimus\u201d,  \u2013 teigia \u0160. Ruzgys.<\/p>\n\n\n\n

\u201eFinora Bank\u201c administracijos vadovas dalijasi, kad po spartaus pl\u0117tros etapo organizacija \u0161iuo metu didesn\u012f d\u0117mes\u012f skiria veiklos efektyvinimui.<\/p>\n\n\n\n

\u201eAtsi\u017evelgiant \u012f pastarojo periodo augimo temp\u0105, paskol\u0173 portfelio dyd\u012f ir, \u017einoma, tikimyb\u0119 susidurti su papildomais operacin\u0117s rizikos i\u0161\u0161\u016bkiais, su prie\u017ei\u016bros institucija esame susitar\u0119 u\u017etikrinti didesnius kapitalo rezervus. Siekdami kurti did\u017eiausi\u0105 vert\u0119 akcininkams, artimiausiu metu planuojame koncentruotis \u012f pagrindines veiklos kryptis \u2013 kasdien\u0119 bankininkyst\u0119 ir verslo paskolas. Ai\u0161kesnis veiklos fokusas leis suma\u017einti technologin\u012f ir reguliacin\u012f kompleksi\u0161kum\u0105, efektyviau valdyti \u017emogi\u0161kuosius i\u0161teklius ir geriau i\u0161naudoti savo stipryb\u0119 \u2013 geb\u0117jim\u0105 greitai ir lanks\u010diai atliepti verslo klient\u0173 finansavimo poreikius\u201c, \u2013 ai\u0161kina \u0160ar\u016bnas Ruzgys.<\/p>\n\n\n\n

Ateities planuose \u2013 pl\u0117tra ir gr\u012f\u017eimas \u012f augimo trajektorij\u0105<\/strong><\/h3>\n\n\n\n

\u201eFinora Bank\u201c administracijos vadovas teigia, jog specializuoto banko stipryb\u0117 \u2013 laikantis t\u0173 pa\u010di\u0173 reguliacini\u0173 princip\u0173 veikti grei\u010diau, b\u016bti ar\u010diau kliento ir tiksliau u\u017epildyti rinkos spragas.<\/p>\n\n\n\n

\u201eKurti bank\u0105 \u2013 \u012fdomus, bet tikrai nelengvas i\u0161\u0161\u016bkis. Licencijos gavimas yra did\u017eiulis darbas, ta\u010diau tai t\u0117ra kelion\u0117s prad\u017eia. Toliau laukia didel\u0117 kontrol\u0117, investicijos, kapitalo pritraukimas ir nuolatinis balansavimas tarp augimo bei efektyvumo. Tikrasis finansin\u0117s drausm\u0117s testas prasideda ne tada, kai naudojamasi palankiomis augimo aplinkyb\u0117mis, o tuomet, kai augimo kreiv\u0117 suplok\u0161t\u0117ja ir tenka per\u017ei\u016br\u0117ti strukt\u016br\u0105, s\u0105naudas bei prioritetus. Tokie etapai leid\u017eia organizacijai sustipr\u0117ti ir pasirengti kitam tvaraus augimo etapui\u201c, \u2013 sako \u0160. Ruzgys.<\/p>\n\n\n\n

Pasak jo, \u0161iemet \u201eFinora Bank\u201c paskol\u0173 portfelis i\u0161liks stabilus, ta\u010diau ilgalaik\u0117s ambicijos nesikei\u010dia. Ateities planuose \u2013 ne tik tolesn\u0117 pl\u0117tra Baltijos \u0161alyse, bet ir integruotos bankininkyst\u0117s, bankininkyst\u0117s kaip paslaugos (angl. Banking-as-a-Service) sprendimai partneriams bei finansini\u0173 technologij\u0173 \u012fmon\u0117ms, kurioms reikalinga infrastrukt\u016bra ir prieiga prie finansavimo.<\/p>\n\n\n\n

Straipsnis publikuotas – V\u017d.lt<\/a><\/p>\n\n\n\n

\u201eFinora Bank\u201c \u2013 Lietuvoje ir Estijoje veikiantis specializuotas bankas verslui, 2022 m. gav\u0119s Lietuvos banko licencij\u0105. Bankas teikia individualiai \u012fmoni\u0173 poreikiams pritaikytus finansavimo sprendimus ir kasdien\u0117s bankininkyst\u0117s paslaugas. 2025 m. \u201eFinora Bank\u201c fiksavo rekordin\u012f augim\u0105 \u2013 grynasis paskol\u0173 portfelis per metus padid\u0117jo daugiau nei tris kartus. \u0160iuo metu jis siekia 94,3 mln. eur\u0173.<\/em><\/p>\n\n\n\n

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

Finans\u0173 sektoriuje veikian\u010dioms \u012fmon\u0117ms banko licencija gali atverti duris \u012f greitesn\u012f augim\u0105, platesn\u012f paslaug\u0173 spektr\u0105 ir naujas rinkas. Ta\u010diau j\u0105 gavus gerokai pakyla ir reguliacin\u0117 kartel\u0117. Nors specializuoti bankai \u012fprastai yra ma\u017eesni u\u017e rinkos lyderius, jiems galioja tie patys kapitalo, rizik\u0173 valdymo, atitikties bei saugumo reikalavimai. Apie tai, su kokiais i\u0161\u0161\u016bkiais susiduria specializuoti bankai ir kod\u0117l spartus augimas gali tapti nauju i\u0161bandymu organizacijai, \u012f\u017evalgomis dalijasi \u201eFinora Bank\u201c administracijos vadovas \u0160ar\u016bnas Ruzgys.<\/p>\n","protected":false},"author":1,"featured_media":4599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[52,1],"tags":[],"class_list":["post-4596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nuomone","category-uncategorized"],"acf":[],"yoast_head":"\nGreitai augti neu\u017etenka: kokius i\u0161\u0161\u016bkius tenka \u012fveikti gavus specializuoto banko licencij\u0105? - Finora Bank<\/title>\n<meta name=\"description\" content=\"Apie tai, su kokiais i\u0161\u0161\u016bkiais susiduria specializuoti bankai, \u012f\u017evalgomis dalijasi \u201eFinora 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