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The causes of the current economic crisis and its impact on the world economy
Rýdl, Filip ; Jílek, Josef (advisor) ; Mládek, Josef (referee)
The work seeks to analyze the causes and impacts of the current financial crisis. It deals with the theoretical view and definition of financial crisis, along with a brief historical excursion. A significant part of the work is devoted to describe the financial crisis in the United States and in selected, economically important, countries. In the context of the causes of and solutions to the current crisis period are remembered views of different economic schools, which are very different. A significant part is devoted to the description of institutional architecture and function of the financial system. Important part is the description of the functioning of lending money (such interest and regulatory policy), because the author sees in it a long series of "unhealthy" factors, which helped the emergence of a financial crisis. The aim of this work is to give a komplete, non-ideological coloring, look at the biggest financial crisis in modern history.
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Insurance Products within Bankassurance
Somolíková, Nikola ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The thesis "Insurance Products within Bankassurance" deals in details with the application of bankassurance principles on current Czech market. The advantages and disadvantages of this form of cooperation are stated, from all a bank's, an insurer's and a customer's point of view. The term bankassurance is defined and the main points are made to analyse current state of Czech insurers. The products of Pojišťovna České spořitelny sold by one of the largest bank on the market, a bank called Česká spořitelna, a.s., are analysed in more detail.
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IPO ČSOB
Ondová, Michaela ; Scholleová, Hana (advisor) ; Kopkáně, Heřman (referee)
The thesis aims to apply the theoretical approach of IPOs and financial services firm valuation on the Czech subsidiary of KBC: ČSOB. The theoretical part reviews the process of IPO with typical features of IPOs, and the pricing of IPO is discussed with the focus on theory of banks valuation. The empirical part of the thesis provides a financial analysis of the ČSOB, business plan and the valuation of the bank as of 30 September 2010 with the price of the actual IPO. This part aims at practical application of the theory of IPO and valuation. Al in all, the aim of the thesis is to apply theoretical knowledge of the IPOs on the practical case of ČSOB. Various analyses such as of KBC, ČSOB, Czech banking market, development of IPOs in CEE are used in order to apply and determine the reasons for the IPO, its timing, price and potential structure of investors.
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Electronic banking as a strategic advantage
Svěrák, Ondřej ; Matuštík, Ondřej (advisor) ; Sigmund, Tomáš (referee)
This thesis is a comparative efficiency study of financial transactions executed through the electronic banking system and through the bank branch system. It is based on bank model with a defined market share in the Czech Republic. The thesis is divided excepting formal parts into two main chapters. The first chapter attends purely to electronic banking theory, its distribution channels and continues legislative and normative rules that are associated with this issue. The practical part consists of transaction cost analyses of these banking systems. Based on designed initial system architectures and study presumptions are through analyses of all related costs calculated the total transaction costs of these mentioned systems. Knowing the amount of fixed and variable costs are determined the limiting points of these strategies, where the transaction costs are equal. At theoretical level, this determines the profitability of the strategy. The conclusion compares the analysis results, market research and current trends in banking.
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Comparison of Chosen Banking Products for Entrepreneurs
Jiříčková, Stanislava ; Hašková, Simona (advisor) ; Kolář, Pavel (referee)
The aim of this thesis is to analyze the range of services that banks offer domestic enterprises to evaluate their available funds. Emphasis is placed on time and savings accounts. The theoretical part will be briefly mentioned and discussed the history of banking services that banks provide to their clients. The practical part is devoted to compare the specific products that enable owners of a limited three domestic financial institutions. In the final section is devoted to a summary of the findings and recommend a specific product business.
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Marketing mix ČS, a.s.
Strnad, Lukáš ; Procházková, Markéta (advisor) ; Krsička, Tomáš (referee)
This thesis analyzes a communications mix of the largest bank in the Czech Republic - Ceska sporitelna, a.s. The thesis is divided into two parts. In the first part it deals with a marketing mix and later on it focuses on the communication mix. The thesis also describes the theory related to advertising, personal selling, public relations and so on. This work also discusses new marketing tools. The second part is focused on the Ceska sporitelna, a.s., where is presented a basis and a substance of a new advertising concept across the Erste Group. The description method describes the current bank's campaign and with more detail it presents the main activities of banking advisors - the personal selling. This paper also includes the sponsorship and PR activities and finally it present the outcomes of survey, which is related to a clients awareness about the new campaign.
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Collection of the debts out of consumer credits
Polach, Miroslav ; Kotoučová, Jiřina (advisor) ; Švarc, Zbyněk (referee)
The Bachelor thesis describes the whole process of collection of debts from the first day of the debtor's delay with paying-off, risk loan origination and running of out-of-court collection in the bank to eventual collection in the execution proceedings, whereas the main part of the thesis has been focused on the judicial proceedings. The thesis practically describes especially the real procedures used in solving risky and hardly enforceable debts in the banks as well as by collection and law offices specialized for this type of work, and also explains the relations between these subjects. The reader should understand, why the sides are acting in particular situations in the described way and not differently. This thesis has been written to be used as a practical manual for banks, collection offices and their employees or potential creditors, who are interested in buying some claimes. The possible debtors on the other hand can get to know some methods, which could be applied to minimalize the negative results connected with their financial shortcoming and unability to pay.
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Analysis of UBS
Grym, Vojtěch ; Musílek, Petr (advisor)
The main theme of this Bachelor thesis is an analysis of the swiss universal bank UBS between the years 2004 to 2010. The goal of this work is to explain changes in the business of the bank in the context of the evolution of financial market and to point out the unhealthy development of banks during this period. The work is divided into three chapters, in which the development of UBS is observed to the present form. First chapter is dedicated to the most important trends that influenced its business. The second chapter is dedicated to the analysis of financial reports and in the third chapter the bank is compared with the competition.
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Analysis of credit process
Jeřábek, Jan ; Půlpánová, Stanislava (advisor)
The bachelor thesis is focuses on credit area and describes individual steps of credit process, through analysis of creditworthiness of customer, until possible solutions to problem loans. At first thesis describes basic characteristics, systematization of credits and risks related to credits. Second part of thesis analyzes each step of credit process. At the end thesis is focused on negative development of loans. It describes basic ways of solutions these loans and simultaneously there is shown currently czech banking market situation of default loans and specific approach of particular bank Česká spořitelna, a.s., which is illustrated on data from financial statements.
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Comparation of activities of bank securities dealers in Czech Republic
Šimunek, Martin ; Veselá, Jitka (advisor)
This bachelor thesis is devoted to banks as securities dealers on Czech market. It is focused on activities of banks in the segment of investment banking. The main aim of this thesis is complex characteristics of bank as a securities dealer in Czech Republic. First part looks at investment instruments and services that bank has available and can offer. Second part analyses present bank sector and securities dealers market in Czech Republic. Part three compares activities of four chosen bank subjects.
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