Με νέα προγράμματα εθελουσίας εξόδου που ετοιμάζουν οι τράπεζες υπολογίζεται ότι θα αποχωρήσουν απο την εργασίας τους εως 5.500 τραπεζουπάλληλοι, ενώ αναμένεται να κλείσουν και περί τα 170 καταστήματα μέχρι και τα τέλη του 2017.
Με προγράμματα εθελούσιας εξόδου οι τράπεζες επιδιώκουν να «τρέξουν» γρηγορότερα τα σχέδια αναδιάρθρωσης και να πιάσουν στόχους κερδοφορίας υπό την πίεση των επενδυτών. Σε ό,τι αφορά στην Τράπεζα Πειραιώς, το πρόγραμμα αναμένεται να περιλαμβάνει περί τα 1.500 άτομα. Το πρόγραμμα της Εθνικής θα αφορά σε 1.600 άτομα, ενώ η Eurobank αναμένεται να κηρύξει πρόγραμμα για 1.000 άτομα. Η Alpha Bank αναμένεται να ξεκινήσει ένα πρόγραμμα για 170 περίπου άτομα. Οι τέσσερις συστημικές τράπεζες υποχρεούνται από τα σχέδια αναδιάρθρωσης να μειώσουν, ως το τέλος του 2017, το προσωπικό κατά 4.300 άτομα και το δίκτυό τους κατά 180 καταστήματα. Η Τράπεζα Πειραιώς θα πρέπει να μειώσει το προσωπικό στα 12.800 άτομα από 14.370 σήμερα, η Alpha Bank στα 9.504 από περίπου 9.678, η Εθνική Τράπεζα οφείλει να περιορίσει το δυναμικό της στους 10.695 υπαλλήλους από 12.300 σήμερα και η Eurobank στα 9.800 άτομα από 10.800 σήμερα. Ο νέος γύρος μείωσης δαπανών, με μείωση προσωπικού, καταστημάτων και άλλων λειτουργικών δαπανών των τραπεζών γίνεται στο πλαίσιο των σχεδίων αναδιάρθρωσης που έχουν συμφωνήσει οι διοικήσεις με τη Γενική Διεύθυνση Ανταγωνισμού της Κομισιόν.
Επιπλέον πίεση για νέες περικοπές δημιουργεί και η συνεχιζόμενη συρρίκνωση της οικονομίας που οδηγεί σε συρρίκνωση των τραπεζικών εργασιών και αύξηση των μη εξυπηρετούμενων δανείων. Την περίοδο 2009-2015 οι τράπεζες έχουν μειώσει το προσωπικό τους στην Ελλάδα κατά 25.000 εργαζομένους, ενώ έχουν προχωρήσει στη διακοπή λειτουργίας περίπου 1.700 καταστημάτων σε όλη την Ελλάδα.
Πρώτη η Πειραιώς
Εγκρίθηκε από το Γενικό Συμβούλιο του ΤΧΣ και ενεργοποιήθηκε το πρόγραμμα εθελουσίας εξόδου υπαλλήλων της Τράπεζας Πειραιώς. Η Τράπεζα Πειραιώς ελπίζει σε εξοικονόμηση κόστους 52 εκατ. ευρώ ετησίως από το πρόγραμμα που θα έχει ισχύ ως τις 11 Απριλίου. Το ύψος της αποζημίωσης καθορίζεται ανάλογα με τα χρόνια υπηρεσίας στην τράπεζα.
Από τις 23 Μαρτίου και εώς τη Δευτέρα 11 Απριλίου που είναι η καταληκτική ημερομηνία λήξης του εν λόγω προγράμματος, η τράπεζα και οι εν Ελλαδιτών θυγατρικές, όσες ασχολούνται με τον χρηματοοικονομικό τομέα, θα δέχονται τις σχετικές αιτήσεις των ενδιαφερομένων , οι οποίοι δυνητικά μπορούν να φτάσουν τα 1500 άτομα.
Η Πειραιώς επιδιώκει την αποχώρηση συνολικά 2.500 εργαζόμενων μέχρι το τέλος του 2017, εκ των οποίων οι 1.500 φέτος και έχει υπολογίσει κόστος ύψους 110 εκατ. ευρώ, το οποίο έλαβε ως πρόβλεψη στο τέταρτο τρίμηνο του 2015. Σημειώνεται ότι η Τράπεζα Πειραιώς δεσμεύεται να μειώσει στην Ελλάδα το δίκτυό της στα 650 καταστήματα ως το τέλος του 2017.
Το πρόγραμμα δίνει έμφαση στις αποχωρήσεις υπαλλήλων ηλικίας άνω των 40 ετών, το 54% του προσωπικού της τράπεζας σήμερα, και κυρίως άνω των 45 ετών, όπως επίσης και στις αποχωρήσεις υπαλλήλων που εργάζονται σε περιφερειακά καταστήματα, εκτός της Αττικής και της Θεσσαλονίκης και σε καταστήματα τα οποία πρόκειται να κλείσουν.
Μέσω του προγράμματος οι εργαζόμενοι έχουν δύο δυνατότητες, είτε της άμεσης αποχώρησης με καταβολή αποζημίωσης και επιπλέον μπόνους είτε της διετούς άδειας με αποδοχές (Sabbatical) και αποχώρησης μετά την ολοκλήρωση της περιόδου αυτής.
Η εξοικονόμηση κόστους υπολογίζεται στα 52 εκατ. ευρώ, ενώ η απόσβεση του προγράμματος υπολογίζεται στα δύο χρόνια. Για παράδειγμα, εργαζόμενος ηλικίας 42 ετών, με μικτό μηνιαίο μισθό 2.000 ευρώ, ο οποίος εργάζεται στην Αττική, εάν αποχωρήσει άμεσα θα λάβει συνολικά 35 μισθούς, δηλαδή 70.000 ευρώ ενώ αν επιλέξουν τη μακροχρόνια άδεια θα λάβει συνολικό ποσό 64.000 ευρώ. Εργαζόμενος ηλικίας 55 ετών, σε περιφερειακά υποκαταστήματα, με μηνιαίο μισθό 2.000 ευρώ, στην περίπτωση που επιλέξει να φύγει, θα λάβει συνολικά 58 μισθούς, δηλαδή 116.000 ευρώ ενώ όποιοι επιλέξουν τη μακροχρόνια άδεια θα λάβουν 64.000 ευρώ. Υπάλληλος της τράπεζας ηλικίας 58 ετών, με μηνιαίο μεικτό μισθό 2.500 ευρώ, εάν εργάζεται στην περιφέρεια, για άμεση αποχώρηση θα λάβει 66 μισθούς, ήτοι 165.000 ευρώ. Οσοι πάλι επιλέξουν τη διετή άδεια θα λάβουν συνολικό ποσό 80.000 ευρώ, το οποίο φθάνει στις 100.500 ευρώ συμπεριλαμβανομένων των εργοδοτικών εισφορών. Για μια διετία η τράπεζα θα καλύπτει όλες τις παροχές ιατροφαρμακευτικής περίθαλψης ενώ διατηρεί μέχρι τη λήξη του το ευνοϊκό καθεστώς αποπληρωμής δανείων (στεγαστικών, καταναλωτικών κ.λπ.) και για 12 μήνες το χαμηλό επιτόκιο των πιστωτικών καρτών.
Αναλυτικά το πρόγραμμα εθελούσιας εξόδου δίνει τις εξής δυνατότητες στους ενδιαφερόμενους και σε όσους πληρούν τα κριτήρια:
Επιλογή 1:Άμεση Αποχώρηση
Στο πλαίσιο του Προγράμματος, ο εργαζόμενος μπορεί να αποχωρήσει άμεσα. Στην περίπτωση αυτή η αποζημίωση του εργαζομένου θα καθορίζεται :
o Από το ηλικιακό εύρος στο οποίο ανήκει (συμπληρωμένα έτη ηλικίας έως 31/12/2015).
o Από το εάν απασχολείται στο Δίκτυο Καταστημάτων της Περιφέρειας ή στο Δίκτυο Καταστημάτων Αττικής & Θεσσαλονίκης και σε Μονάδες της Διοίκησης της Τράπεζας / Θυγατρικής Εταιρίας.
Στην περίπτωση εργαζομένων που απασχολούνται σε Κατάστημα που πρόκειται να σταματήσει η λειτουργία του, το συνολικό μικτό ποσό της αποζημίωσης άμεσης αποχώρησης θα προσαυξάνεται με +20%.
Η αποζημίωση άμεσης αποχώρησης δεν μπορεί να είναι μικρότερη των 20.000€ ενώ δεν θα ξεπερνά το μικτό ποσό των 180.000 ευρω,
Επιλογή 2: Μακροχρόνια Άδεια 2ετούς διάρκειας
Εναλλακτικά ο εργαζόμενος μπορεί να επιλέξει να λάβει μακροχρόνια άδεια δύο ετών.
Κατά το χρονικό αυτό διάστημα ο εργαζόμενος απαλλάσσεται πλήρως από την υποχρέωση παρουσίας και παροχής εργασίας στην Τράπεζα/ Θυγατρική Εταιρία και δικαιούται να απασχοληθεί σε άλλη εργασία. Κατά τη συμπλήρωση της άδειας η εργασιακή σύμβαση λύεται αυτοδίκαια
Όσοι εργαζόμενοι επιλέξουν να συμμετέχουν στη μακροχρόνια άδεια και θεμελιώνουν συνταξιοδοτικό δικαίωμα κατά τη λήξη του προγράμματος, θα λάβουν επιπλέον τη νόμιμη αποζημίωση συνταξιοδότησης.
Σαν βάση υπολογισμού είναι ο μισθός Δεκεμβρίου 2015.
Επιπλέον το πρόγραμμα προβλέπει πρόσθετες παροχές όπως συμμετοχή σε προγράμματα ασφαλιστικά ενώ διατηρεί τις δεσμεύσεις που ήδη υπάρχουν για ενήμερα στεγαστικά η καταναλωτικά δάνεια ( που έχουν λάβει οι εργαζόμενοι με προνομιακός όρους). Ταυτόχρονα, παρέχεται η δυνατότητα αξιοποίησης για ένα έτος των Προγραμμάτων Υποστήριξης Εργαζομένων (Παροχή 24ωρης Γραμμής Υποστήριξης & 5 Συναντήσεις Πρόσωπο με Πρόσωπο) με τη συνεργασία της Hellas ΕAP: τηλεφωνική γραμμή υποστήριξης για τον ίδιο και τα μέλη της οικογένειάς του.
Ως τελική ημερομηνία αποχώρησης, διευκρινίζεται ότι όλες οι εργασιακές σχέσεις συμβάσεις θα λυθούν το αργότερο στις 31/5/2016 για όσους επιλέξουν την άμεση αποχώρηση. Για όσους επιλέξουν τη μακροχρόνια άδεια 2ετους διαρκείας, η ημερομηνία αυτοδίκαιης λύσης της εργασιακής τους συμβάσεως θα είναι με τη συμπλήρωση της διετίας ή νωρίτερα εφόσον ο εργαζόμενος το ζητήσει και η Τράπεζα/Εταιρεία συναινέσει.
Σαφώς διευκρινίζεται οτι η συμμετοχή οποιουδήποτε εργαζομένου στο συγκεκριμένο Πρόγραμμα Αποχώρησης είναι πλήρως εθελοντική. Κάθε εργαζόμενος είναι ελεύθερος να επιλέξει την εκδήλωση ενδιαφέροντος, την υποβολή αιτήσεως, και την επιλογή προγράμματος. Επίσης, καμία αίτηση δεν θα γίνει δεκτή μετά την Δευτέρα, 11/4/2016.
Βασικός όρος του προγράμματος τον οποίο έθεσε το ΤΧΣ και θα αφορά και τις άλλες τράπεζες που θα προχωρήσουν σε εθελούσιες, είναι όσοι λάβουν το πρόγραμμα να μην ξαναπροσληφθούν από την τράπεζα.
Την εθελούσια της Πειραιώς θα ακολουθήσουν και οι άλλες τράπεζες, με την Εθνική Τράπεζα να αναμένεται ότι θα είναι η επόμενη. Η Εθνική καλείται να μειώσει τους εργαζομένους στην Ελλάδα κατά 1.600 άτομα ως το τέλος του 2017, η Eurobank κατά 1.000 άτομα και η Alpha Bank κατά 174 εργαζομένους.
Ολοκληρώθηκε η εθελούσια έξοδος στην Alpha Bank Κύπρου
Διαδικασία εθελούσιας εξόδου διεξήγαγε όμως και η Alpha Bank για τους υπαλλήλους της στην Κύπρο, που ολοκληρώθηκε στις 24 Μαρτίου.
Στόχος ήταν η μείωση του προσωπικού της κατά 20%από 870 άτομα που είναι σήμερα.
Η δομή του σχεδίου της Alpha ήταν διαφορετική από τις αντίστοιχες κινήσεις της Τράπεζας Κύπρου και της Ελληνικής Τράπεζας, καθώς η αποζημίωση ήταν ανάλογη όχι μόνο με τα έτη υπηρεσίας αλλά και με την ηλικία. Η Τράπεζα έδωσε μεγαλύτερο ποσοστό αποζημίωσης επί του μισθού σε στελέχη μεταξύ 36 και 45 ετών. Το σχέδιο της Alpha προνοούσε έναν ετήσιο ακαθάριστο μισθό επί τα χρόνια πραγματικής υπηρεσίας, τον οποίο πολλαπλασίαζε με συντελεστή αναλόγως της ηλικίας του υπαλλήλου.
Το ποσοστό προσαρμογής καθορίστηκε ως ακολούθως:
• Κάτω από 30 ετών: 8% προσαρμογή στον αριθμό ετήσιων μισθών
• Για ηλικίες 31-35: 10%
• Για ηλικίες 36-45: 23%
• Για ηλικίες 46-50: 18%
• Για ηλικίες 51-55: 17%
• Για ηλικίες 56-64: 10%
Για παράδειγμα, αν κάποιος υπάλληλος εντάχθηκε στο σχέδιο και απολάμβανε ετήσιου μισθού €45 χιλ. περιλαμβανομένου βασικού και τιμάριθμου και είχε 15 χρόνια υπηρεσίας και η ηλικία του είναι 42 ετών, τότε θα λάβει ως αποζημίωση €45 χιλ. επί τα 15 χρόνια υπηρεσίας επί 23% που είναι το ποσοστό προσαρμογής.
Ο υπάλληλος αυτός θα λάβει περίπου ως αποζημίωση €155,2 χιλ.
Οι €150 χιλ. θα είναι αφορολόγητα και θα φορολογηθεί μόνο το υπόλοιπο ποσό με βάση τους ισχύοντες συντελεστές. Το μεγαλύτερο ποσό αποζημίωσης έχει καθοριστεί στις €170 χιλ.
Επιπρόσθετα υπήρχε για τους υπαλλήλους που εργάζονται στη Λεμεσό, τη Λάρνακα και την Πάφο, ένα επιπλέον ποσοστό 5% προσαρμογής. Ο λόγος που παραχωρείτο το κίνητρο αυτό στους εκτός Λευκωσίας υπαλλήλους είναι γιατί η Τράπεζα θέλει να κεντροποιήσει τις υπηρεσίες της στη Λευκωσία.
Το σχέδιο προέβλεπε επίσης την παραχώρηση ιατροφαρμακευτικής περίθαλψης για δύο συνεχή χρόνια και δύο χρόνια για ομαδική ασφάλιση ζωής. Επίσης προέβλεπε όπως η τιμολόγηση των δανείων όσων αποχωρήσουν εθελουσίως θα ισχύσει όπως είναι του υφιστάμενου προσωπικού και με βάση τις οποιεσδήποτε μεταβολές, επί του επιτοκίου, χωρίς οποιοδήποτε χρονικό όριο.
Λέμε “ναι” στην απόφαση ζωής για εθελούσια έξοδο, με μεγάλη σύνεση και προσοχή
Η θέση των συλλόγων μας, όπως και στη διαδικασία εθελουσίας εξόδου που πραγματοποίησε η Alpha Bank το 2014, εξακολουθεί να είναι σταθερή. Πρόκειται για μία απόφαση ζωής που στο αβέβαιο οικονομικό περιβάλλον μπορεί να αποτελέσει μία διέξοδο διαφυγής με θετικές συνέπειες.
Τονίζουμε κατηγορηματικά ότι κάθε συνάδελφός μας που προβληματίζεται για τη συμμετοχή του σε αντίστοιχα προγράμματα οφείλει να εξετάσει ενδελεχώς όλους τους παράγοντες και τις προϋποθέσεις, γιατί μετά την υπογραφή της αίτησης συμμετοχής, στη συνέχεια αυτή δεν μπορεί να ανακληθεί.
Ωστόσο, θέλουμε να επισημάνουμε ότι σε καμία περίπτωση δεν πρέπει να δηλώνουν συμμετοχή σε προγράμματα εθελουσίας εξόδου συνάδελφοί μας που δεν έχουν συμπληρώσει τις συνταξιοδοτικές τους προϋποθέσεις. Δυστυχώς, έχουμε βιώσει στο παρελθόν αντίστοιχες άστοχες επιλογές συναδέλφων που τους οδήγησαν σε οικονομικό και οικογενειακό αδιέξοδο, δυσχεραίνοντας σε μεγάλο βαθμό το επίπεδο διαβίωσής τους.
Γι αυτό για μία ακόμα φορά εφιστούμε την προσοχή σε όλους τους συναδέλφους ότι μία τέτοια απόφαση απαιτεί προηγουμένως ενδελεχή έρευνα και μελέτη σχετικά με τις συνταξιοδοτικές προϋποθέσεις και πρέπει εν τέλει να λαμβάνεται μόνο όταν διαπιστωθεί με απόλυτη βεβαιότητα ότι η συμμετοχή στη διαδικασία είναι προς το συμφέρον του εκάστοτε συναδέλφου.
Ο σύλλογός μας παραμένει πάντα δίπλα σε κάθε συνάδελφο που προβληματίζεται για τα ασφαλιστικά του ζητήματα και ο καθένας μπορεί να απευθύνει ερωτήματα και να ζητήσει διευκρινίσεις από τους έμπειρους ασφαλιστικούς μας συμβούλους, συναδέλφους Νίκο Αλεξόπουλο και Μαρία Φιλιπποπούλου, που είναι ανά πάσα στιγμή στη διάθεση των συναδέλφων.
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