{"id":5802,"date":"2017-04-24T14:20:57","date_gmt":"2017-04-24T12:20:57","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/banki-zaczynaja-wierzyc-w-sukces-restrukturyzacji\/"},"modified":"2025-01-27T16:04:38","modified_gmt":"2025-01-27T16:04:38","slug":"banks-are-starting-to-believe-in-the-success-of-restructuring","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/banks-are-starting-to-believe-in-the-success-of-restructuring\/","title":{"rendered":"Banks are beginning to believe in the success of restructuring"},"content":{"rendered":"

Although companies in restructuring are still struggling to obtain financing for their operations, there are already the first swallows heralding that banks are beginning to treat them as equal business partners.<\/p>\n

Such a positive example is Fiten SA, which has been in sanitation proceedings since August 2016. The company's management board, together with its administrator, the law firm PMR Restrukturyzacje SA, reached an agreement in mid-April this year with the company's financing banks - ING Bank \u015al\u0105ski and mBank. It signed two agreements with them - for a revolving loan of PLN 3 million and a working capital loan of PLN 500 thousand.<\/p>\n

\n\u2013 Concluding an agreement with banks and obtaining further financing is key to the success of the process restructuring<\/a>. It shows that financial institutions trust the company and believe that it will manage to get out of trouble and implement the restructuring plan - says Ma\u0142gorzata Anisimowicz, president of the law firm PMR Restructuring<\/a> SA.\n<\/div>\n

As restructuring advisors admit, contrary to the provisions of the new act on restructuring banks instead<\/a> help a debt-ridden company to repair itself, often refusing to provide it with previously granted loans. Although such actions are not in accordance with the new law, entrepreneurs do not have effective tools to defend themselves against such practices.<\/p>\n

One of the main company problems<\/a>, which have benefited from the new act on restructuring law, in force since 1 January 2016, is to obtain refinancing. Although the new regulations do not allow banks to terminate contracts with companies that have been granted the status of a commercial court companies undergoing restructuring<\/a>, it often happens that banks terminate existing agreements, reduce credit limits, and obtaining new funds borders on a miracle.<\/p>\n

This situation happened to the Pharmaceutical Wholesaler Intra sp. z o. o., which has been in the process of sanitation proceedings<\/a>. After starting the process bank restructuring<\/a> significantly reduced the limits of factoring, which de facto meant the seizure of funds in the bank account and caused additional difficulties in the company's financial liquidity.<\/p>\n

According to restructuring advisors, such behaviour of banks is not uncommon, but the lawsuit which, in accordance with the instructions of the Polish Financial Supervision Authority, the restructuring administrator of the Pharmaceutical Wholesale Intra filed against BZ WBK bank will be a precedent since the new act on restructuring<\/a>.<\/p>\n

\nThe material appeared on ceo.com.co.uk:
\n<\/b>
\n21 April 2017:
\n\" Banks are beginning to believe in the success of restructuring<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Chocia\u017c firmy znajduj\u0105ce si\u0119 w restrukturyzacji ci\u0105gle borykaj\u0105 si\u0119 z problemem uzyskania finansowania dla swojej dzia\u0142alno\u015bci, s\u0105 ju\u017c pierwsze jask\u00f3\u0142ki zwiastuj\u0105ce, \u017ce banki zaczynaj\u0105 traktowa\u0107 je jak r\u00f3wnorz\u0119dnych partner\u00f3w gospodarczych. Takim pozytywnym przyk\u0142adem jest sp\u00f3\u0142ka Fiten SA, kt\u00f3ra znajduje si\u0119 w trakcie post\u0119powania sanacyjnego od sierpnia 2016 roku. Zarz\u0105d sp\u00f3\u0142ki wsp\u00f3lnie z zarz\u0105dc\u0105, kt\u00f3rym jest kancelaria PMR Restrukturyzacje SA, zawar\u0142 w po\u0142owie kwietnia tego roku porozumienie z bankami finansuj\u0105cymi sp\u00f3\u0142k\u0119 \u2013 ING Bank \u015al\u0105ski oraz mBank. Podpisa\u0142 z nimi dwie umowy \u2013 o kredyt odnawialny na kwot\u0119 3 mln z\u0142 oraz kredyt obrotowy na kwot\u0119 500 tys. z\u0142. \u2013 Zawarcie porozumienia z bankami oraz uzyskanie dalszego finansowania jest kluczem do powodzenia procesu restrukturyzacji. \u015awiadczy o tym, \u017ce instytucje finansowe maj\u0105 zaufanie do firmy i wierz\u0105, \u017ce uda jej si\u0119 wyj\u015b\u0107 z k\u0142opot\u00f3w oraz zrealizowa\u0107 plan restrukturyzacji \u2013 uwa\u017ca Ma\u0142gorzata Anisimowicz, prezes kancelarii PMR Restrukturyzacje SA. Jak przyznaj\u0105 doradcy restrukturyzacyjni, wbrew przepisom nowej ustawy o restrukturyzacji banki zamiast pom\u00f3c zad\u0142u\u017conej firmie w naprawie, cz\u0119sto odmawiaj\u0105 jej udost\u0119pnienia wcze\u015bniej przyznanych kredyt\u00f3w. Chocia\u017c takie dzia\u0142ania nie s\u0105 zgodne z nowym prawem, przedsi\u0119biorcy nie maj\u0105 skutecznych narz\u0119dzi do obrony przed takimi praktykami. Jednym z g\u0142\u00f3wnych problem\u00f3w firm, kt\u00f3re skorzysta\u0142y z nowej ustawy o prawie restrukturyzacyjnym, obowi\u0105zuj\u0105cej od 1 stycznia 2016 roku, jest uzyskanie refinansowania. Chocia\u017c nowe przepisy nie pozwalaj\u0105 bankom na wypowiadanie um\u00f3w wobec firm, kt\u00f3rym s\u0105d gospodarczy przyzna\u0142 status firmy w restrukturyzacji, zdarza si\u0119 cz\u0119sto, \u017ce banki wypowiadaj\u0105 dotychczasowe umowy, ograniczaj\u0105 limity kredytowe, a pozyskanie nowych funduszy graniczy niemal z cudem. Taka sytuacja spotka\u0142a Hurtowni\u0119 Farmaceutyczn\u0105 Intra sp. z o.o., kt\u00f3ra od 1 grudnia 2016 roku jest w trakcie post\u0119powania sanacyjnego. Po rozpocz\u0119ciu procesu restrukturyzacji bank znacznie ograniczy\u0142 limity w faktoringu, co de facto oznacza\u0142o zaj\u0119cie \u015brodk\u00f3w finansowych na rachunku bankowym i spowodowa\u0142o dodatkowe trudno\u015bci w p\u0142ynno\u015bci finansowej firmy. Jak twierdz\u0105 doradcy restrukturyzacyjni, takie zachowanie bank\u00f3w nie nale\u017cy do rzadko\u015bci, ale proces, kt\u00f3ry zgodnie z instrukcj\u0105 KNF zarz\u0105dca sanacyjny Hurtowni Farmaceutycznej Intra wytoczy\u0142 bankowi BZ WBK, b\u0119dzie precedensowym od czasu obowi\u0105zywania nowej ustawy o restrukturyzacji. Materia\u0142 ukaza\u0142 si\u0119 w serwisie ceo.com.pl: dnia 21 kwietnia 2017: \u00bb Banki zaczynaj\u0105 wierzy\u0107 w sukces restrukturyzacji<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5802","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5802","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=5802"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5802\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5802"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5802"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5802"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}