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The impact of Brexit on the activity of banks: 2013-2021 country by country reporting data
Hatalová, Lucia Mária ; Janský, Petr (advisor) ; Sivá, Soňa (referee)
The withdrawal of the United Kingdom from the European Union marks one of the most important events in recent history. The consequences of Brexit, particularly the loss of passporting rights in the services sector, have had severe adverse effects on British trade because it created barriers and challenges for British businesses to access the EU market and vice versa. This thesis aims to contribute to the existing literature on the impact of Brexit on financial ser- vices, specifically focusing on the banking sector. I use the country-by-country reporting data spanning from 2013 to 2021 to investigate the activity of 44 Eu- ropean banks. Using the turnover of the banks as a substitute for measuring banking activity, I estimate the gravity model employing the PPML and OLS estimators. The results indicate a negative effect of 24% on the turnover of British banks abroad relative to the domestic turnover. This suggests that the loss of pass- porting rights and the subsequent regulatory changes decreased the international operations of UK-based banks. In contrast, EU-based banks experienced 30% higher turnover in partner countries than domestically. 1
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Proposal to Improve the Using Optimization Tasks in Banking
Holobrádek, Michal ; Špatenka, Jan (referee) ; Luhan, Jan (advisor)
This diploma thesis deals with the use of optimization tasks in the conditions of a selected banking institution. The thesis describes the theoretical background for the development of the thesis, analysis of the current situation in the selected company with a focus on the approval process for applications for credit products. The design of the thesis includes testing the internal environment of the company designed for optimization tasks used in the approval process.
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Bullying in the workplace in banking
TROJÁKOVÁ, Denisa
The Bachelor's thesis deals with bullying in the workplace in banking, where bullying is defined as a long-term psychological terror in the workplace. The work contains an explanation of these notions that go along with bullying, these are mobbing, when bullying is by colleagues, bossing is bullying by a superior, and the last important term is staffing, when bullying is by subordinates. The main objective is to describe and characterize workplace bullying, bullying phases, bullying participants, assess how much employees in banking experience with bullying, negative effects on employees and organisation. The work is divided into two units - the theoretical and practical part. The theoretical part deals with the problem of bullying in the workplace, mobbing - its definition, history, participants, socio-demographic aspects, phases and last but not least forms and objectives. Then, this section discusses bossing and staffing. The practical part discusses banking from the perspective of legislation, laws that concern the banking sector. Subsequently, the paper looks at research in the form of a questionnaire survey to determine the frequency of bullying in the banking sector, the form of bullying and who is most likely to become a participant in bullying. The practical part includes an assessment of the level of bullying in banking and a proposal for preventive measures to eliminate bullying in banking.
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Improving the company's employee remuneration system
FIŽOVÁ, Veronika
The bachelor thesis deals with the issue of improving the employee remuneration system of a selected business entity. Specifically, it concerns ČSOB and the branch Nám. Fr. Křižík 348/1 390 01 in Tábor. The aim of the presented work is to propose appropriate measures leading to the improvement of the remuneration system of the company. Data collection is based on observation and questionnaire survey. The bachelor thesis is divided into theoretical and practical parts. The theoretical part focuses on the most important concepts in the field of employee remuneration and motivation. It defines the key laws, decrees and regulations related to employee remuneration. The second part analyses the results of employee effectiveness and satisfaction with the reward system. Based on the findings, the thesis concludes with an evaluation of the data and subsequent suggestions for measures that will ensure reform in the ČSOB branch's reward system.
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Design and implementation of a virtual bank office
KULÍK, Ondřej
The bachelor's thesis entitled "Design and implementation of a virtual bank branch" deals with the implementation of modern technology for bank branch virtualization. The main goal of this work is to analyze the needs of clients and employees of the branch and to design a virtual bank branch in the program Neos, so that it is as effective as possible. Literary research forms a theoretical basis, which contains a definition of the term virtual reality and its development. The development of virtual reality is also followed by current trends and use in practice. Last but not least, the literature search describes modern trends in banking. The practical part is processed by the Human Centered Design method, which is used to analyze the needs of clients. The virtual bank branch is processed through the Neos metaversion virtual environment program. The virtual bank branch offers clients the option of opening an account, canceling an account, sending a loan application, sending a payment and displaying information. At the end of the practical part, the creation process is described, including the programming of functions that will enable the clients of the above-mentioned service.
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Blockchain-based DeFi lending: A challenge to traditional finance?
Knížek, Ondřej ; Pečená, Magda (advisor) ; Hronec, Martin (referee)
The goal of the thesis is to identify the factors that determine the default rate of the loans, with a particular focus on the pioneering research of blockchain-based decentralised loans. The thesis describes blockchain technology, its development, and functions, introduces decentralised finance (DeFi), and examines its advantages and challenges. The thesis's analytic part compares DeFi loans and peer-to-peer loans as an alternative to the traditional financial system. The blockchain-based DeFi loans realized through lending Compound are analysed by a logit model that predicts liquidation rate and examines if it is possible to perform the prediction without any information about the borrower due to the complete anonymity in DeFi lending. To illustrate the difference, the data from the Czech peer-to-peer lending platform Zonky was used to set up two logit models. While the first model uses all available variables, the second model is based only on loan-related variables to achieve a more precise comparison to DeFi loans. Results revealed several statistically significant determinants of default rate in the case of all three models. While the results of the Compound model cannot be compared with the existing literature, the default rate determinants in the case of peer-to-peer loans confirm the...
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Modern Banking and Preference Channels
Regináč, Jozef ; Ryska, Pavel (advisor) ; Pečená, Magda (referee)
Financial markets are nowadays more important than ever. Financial crisis of the previous decade demonstrated their power to influence stability of the whole economy. Since the consensus blames weak regulation and considers the only solution to be its extension, this thesis tries to provide the proof of existence of other options. The focus is firstly aimed at the weaknesses of the fractional reserve banking, which does not follow the basic legal principles of a deposit contract. This practice results in price fluctuations and favoritism of first takers of newly created money. Moreover, the thesis develops a new method of analysis, which emphasizes the application of preferences in exchanges. Important outcome of this method is the demonstration that the public does not have to always prefer the most evolved form of institution. All institutions within commercial banks are then analyzed with the use of this method and the thesis shows where preference channels are being interfered with. This analysis also reveals another outcome of fractional reserve banking, which is that the newly created money is only used according to the preferences of commercial bankers. We suggest that circumvention of the true nature of a deposit contract leads to a similar outcome in loan banking, where funds gathered by loan...
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Development of financial literacy
Stárková, Zuzana ; Krahulcová, Beáta (advisor) ; Zelinková, Olga (referee)
STÁRKOVÁ, Zuzana, Development of financial literacy, Prague, 2012. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main topic of the diploma thesis is financial literacy, more specifically the risk of its consequences. First part of the thesis deals with definition of financial literacy, its causes and consequences. Next chapters are devoted to monetary literacy, ignorance of which causes many problems in the area of credits, loans and subsequently may lead to indebtedness. This part of the text defines important key words, whose knowledge in essential for using of banking services and products Last chapters of the theoretical part introduce the Consumer Protection Act and the issues of seizures and insolvency. Main objective of the practical part of the thesis is to carry out a research among university students in order to summarize the level of their awareness, knowledge and experience in the financial area.
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Archetypal analysis of students' behavior in banking sector
Malíčková, Jana ; Červinka, Michal (advisor) ; Cingl, Lubomír (referee)
Archetypal analysis is statistical method used in market segmentation, however, it has minor results of application in economics. This method finds out typical behavior - archetypes. Every sample point consists of one or more archetypes and every archetype consists of few sample points. In this thesis, we explore behavior of college students at Czech universities in banking sector as there is no evidence of this research. In the model with four archetypes, the archetypes named the Pauper, the Buffett, the Elvis and the Sleeping Beauty arose.
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