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Financial analysis of Hrušecká obalovna s.r.o.
Lisáková, Kristína ; Boukal, Petr (advisor) ; Štamfestová, Petra (referee)
The goal of this thesis is to analyze company's financial statements to evaluate its overall financial situation from a bank point of view. You may find a conclusion based on the following analysis whether the company is applicable for a bank loan or not. This thesis is divided into a theoretical and a practical part. The theoretical part describes tools of financial analysis. In the practical part those tools are applied on a 2009-2012 period. The main focus when applying financial ratios was on liquidity and debts indicators. A part of the thesis is also a brief analysis of significant client of the company.
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The role of the bank guarantees in ensuring credit risks
Janoušek, Adam ; Černohlávková, Eva (advisor) ; Nejedlý, Michal (referee)
The bachelor thesis written on the topic " The role of the bank guarantees in ensuring credit risks " discuss the bank guarantees and their utility in ensuring credit risk in trade operations. In the first chapter thesis discuss the risk in international trade and concentrates on the credit risk. In this chapter the thesis analyses and describes the phases of handling the credit risk. The purpose of the second chapter is characteristic of the bank guarantee, it's law formulation and international arrangement. The topic of the final chapter is practical utilization of the bank guarantees.
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Requirements life cycle for software development in the bank
Bambas, Pavel ; Pour, Jan (advisor) ; Koten, Jiří (referee)
This thesis deals with the introductory part of the requirements life cycle for software development in the bank, paying particular attention to the following: data collection methods; size estimation; prioritization; and scheduling. This work will compare different approaches appropriate for rigorous and agile methodologies. Analysis of the findings from practice in a small bank should help college graduates who find initial employment in the position of Business Analyst / IT Coordinator with only a basic orientation in this topic.
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Bank security instruments in international trade
Lachová, Denisa ; Černohlávková, Eva (advisor) ; Nejedlý, Michal (referee)
The goal of this bachelor thesis is to introduce the main bank security instruments which are used in international trade. The first chapter is devoted to a fundamental overview of bank co-acceptance of bill, documentary letter of credit, bank payment obligation and bank guarantee. The second and the third chapters compose the core of the thesis. They are dedicated to two traditional bank security instruments, specifically; the documentary letter of credit and the bank guarantee. These two chapters describe the main characteristics of these instruments, the obligations of the parties, and, finally, the advantages and the disadvantages which arise from these instruments for the involved parties.
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Comparison of loyalty programs in selected financial institutions
Novák, Tomáš ; Chylíková, Hana (advisor) ; Drozen, František (referee)
This bachelor thesis focuses on loyalty programs of three financial institutions operating on the Czech market -- those three include Česká spořitelna, Era (the trademark of ČSOB Group) and GE Money Bank. The first part deals with the theory of marketing with a focus on loyalty programs. In the second part, the selected companies are described and their loyalty programs are analysed. The third part focuses on the aim of this thesis -- the comparison of selected loyalty programs and recommendation of optimal settings for a loyalty program.
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Srovnání výhodnosti finančního leasingu a úvěru při pořízení vozového parku
Nezbedová, Alice ; Sieber, Patrik (advisor) ; Boukal, Petr (referee)
This thesis compares financing of vehicle fleet by financial leasing and the loan in company Subterra Ltd.. The theoretical part describes the various options for financing long-term assets in the Czech Republic. The practical part deals in detail with comparing the offers from leasing and credit companies and the calculation of income and expenses associated with these forms of financing. In the end there is a comparison of different financing options at the time using discounted cash outflows and assessing the most effective solution for Subterra Ltd..
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Selected psychological personality attributes of bank employees
Loncká, Veronika ; Krejčová, Kristýna (advisor) ; Langer, Tomáš (referee)
The aim of the thesis is to define selected psychological personality attributes of bank employees. The thesis describes the personality traits, particularly the characteristics such as extroversion, introversion, intuition, sensuality, reasonableness, circumspection etc. Their representation frequency had been examined within selected sample of respondents. The thesis also concerns with the charakter parts in companies and individual attributes of these parts. The conclusion part summarizes prevailing characteristics and describes those appropriate or essentials for bank employees. The knowledge findings might be relevant for the further practical application of HR stuff and be come their support while recruiting employees within the bank sector.
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Modern technologies and trends used for customer acquisition and retention
Petrásková, Veronika ; Matuštík, Ondřej (advisor) ; Sova, Martin (referee)
The bachelor thesis is focused on trends and modern technologies used by banks for their current clients and for acquisition of new clients. The banking market is characterized by a high supply and a competition. Innovative approach and added value in modern technologies may help the banks to increase a competitive advantage and loyalty of their clients, which may be a main factor for success. The aim of this thesis is a description of these tools and an evaluation of their utilization in the Czech Republic and abroad.
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Analysis of Parameters of Mortgage Credits on the Czech Market
Prockertová, Adéla ; Votava, Libor (advisor) ; Svoboda, Pavel (referee)
The object of the Diploma thesis is the analysis of mortgage loan parameters on the Czech market, their subsequent comparison and evaluation of the most advantage variants of housing financing. The thesis also deals with the conditions of mortgage loans providing. The comprarison is made on the most significant providers of mortgage loans, who have controlled in the long term 90 % of the market. Within the Diploma thesis is compared five mortgage products offered by Hypoteční banka, a. s., Česká spořitelna, a. s., Komerční banka, a. s., Raiffeisenbank, a. s. a UniCredit Bank, a. s. For analysis was compiled form that includes parameters, basic interest rates and charges for mortgage loans. The parameters are obtained from external and internal bank materials and structured interviews with mortgage specialists. The evaluation of products is used to assess the flexibility, complexity and costs of particular product. I find Hypotéka České spořitelny to be the most comprehensive and flexible product. The lowest interest rates offer Komerční bank with Hypoteční úvěr Plus and UniCredit Bank with Hypoteční úvěr Individual, the highest interest rates has Hypoteční banka with Hypoteční úvěr do 100 %. Hypotéka Klasik offered by Raiffeisenbank is the charges most gentle, the most demanding on charges is Hypoteční úvěr do 100 % offered by Hypoteční banka. The most advantageous mortgage loan can't be unequivocally evaluated. It depends on whether the client prefers the lowest repayment or the most comprehensive and flexible product by which is possible, for example, pay the extraordinary instalment.
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Finanční analýza Sberbank CZ
Karabut, Vadim ; Holečková, Jaroslava (advisor) ; Šmídová, Radana (referee)
This thesis focuses on financial analysis of Sberbank CZ. It examines the bank's financial health using the data from the bank's assets and liabilities, expenses, revenues and profits as well as profitability, liquidity and capital adequacy. All the results are compared within the banking sector using the Financial market supervision report.
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