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Euro adoption in Slovakia
Panáková, Patrícia ; Vejmělek, Jan (advisor) ; Šíma, Ondřej (referee)
The subject of the bachelor thesis is to describe the process of preparation and adoption of euro currency in the Slovak Republic. Slovakia showed a significant convergence to the euro area after joining the EU in 2004. Despite the worsening economic situation due to the global economic crisis, Slovakia did not have problems meeting the Maastricht convergence criteria. Long-standing and thorough preparation helped smooth transition from the Slovak crown to the euro. The Slovak Republic became the sixteenth member in the euro area on 1st January 2009. Currency change brought advantages and disadvantages to the banking sector. In the long run, banks lost a significant part of foreign exchange transactions, but on the other hand, they gained better access to the European interbank market.
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Analysis of the banking sector of selected EU countries
Furda, Peter ; Blahová, Naďa (advisor) ; Šíma, Ondřej (referee)
The aim of the diploma thesis is to analyze the selected banking sectors of the European Union, namely Germany and Italy. At the beginning, the basis of the theory needed for the understanding of the thesis is defined. Followed by the description of the risks borne by the bank and specific indicators sorted accordingly, it forms the first chapter of the diploma thesis. In the second part, the indicators are applied on the aggregated banking sector data. Within the specific time frame, the development of the indicator and its trend is analyzed with the emphasis on the causes of its most significant development. The conclusion of the thesis is devoted to the overall summary and comparison of the results obtained from the analysis of the banking sectors.
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Analysis of banking assets and liabilities of households in the Czech Republic
Rektorysová, Natália ; Teplý, Petr (advisor) ; Fučík, Vojtěch (referee)
Czech household, an important factor of the Czech banking sector, is considered to be a subject with a conservative approach in dealing with its financial funds. This bachelor thesis deals with a demonstrability of this status, acceleration of demands for loans and with analysis of banking assets and liabilities of households and their changes in time. The theoretical part describes key concepts and specifies basic framework needed for a further topic elaboration; it also specifies two key hypotheses: the first one is aimed at a household balance in time, the second one is focused on growth rate in relation to pensioners disposable income. The empiric part of the thesis is focused on loan development trends which represent household liabilities and deposits as household assets, accentuating the changes based on legislative steps, unexpected events on domestic market or world financial markets events. The end of the practical chapter summarises development tendencies and their substantiation. The conclusion summarises a contribution of the thesis, declares Czech household conservativism demonstrability and confirms the hypothesis of Czech household debt paradox.
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Financial analysis of Fio bank
Gargulák, Karol ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of this thesis is a financial analysis of Fio bank during the years from 2011 to 2015. The thesis is divided into four parts. The first part deals with financial analysis itself, its objectives, limitations, and used indicators. The second part consists of basic information about Fio bank, its brief history, and introduction of two competitive banks. Bank sector is characterized in the third part. Financial analysis of Fio bank is performed in the last part. For higher complexity, results of Fio bank are compared with results of two other competitors, Equa bank and Air bank. At the end of the thesis, results of the analysis are summarized together with assessment of the bank´s financial situation.
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Financial Crisis in Economies with External Imbalances: A Comparative Analysis of Ireland and Spain
Semerák, Ondřej ; Váška, Jan (advisor) ; Young, Mitchell (referee)
The financial crisis of 2007-08 has had momentous consequences for most developed countries and triggered recession on the global financial markets. Consequently, economies with pre- existing deficiencies were hit in particular. In the European Union, especially two groups of member states with specific imbalances could be discerned. This thesis is intended to discuss the impacts on economies with external imbalances, where the crisis was not rooted in public finance profligacy. The main protagonists, Ireland and Spain, experienced resembling economic boom prior to the crisis, later accompanied by accumulation of foreign debt and real estate bubbles. Nonetheless, despite the strong similarities in their economic development their paths diverged after the bust, and Ireland has been given as an example for successful austerity. This thesis presents key determinative factors which differentiated Spain from Ireland in the reviving processes to discuss the hypothesis that the Irish recovery was generated solely by the implemented countermeasures and that it can therefore be considered a model for future crisis management. The objective of this thesis is to address this assertion and to evaluate its correctness using a detailed overview of structural specificities of the economies, as well as of the...
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Financial Geography - An Application of Selected Concepts in Terms of the Czech Republic
Bečicová, Ilona ; Blažek, Jiří (advisor) ; Feřtrová, Marie (referee)
FINANCIAL GEOGRAPHY - AN APPLICATION OF SELECTED CONCEPTS IN TERMS OF THE CZECH REPUBLIC Abstract The aim of the thesis is to analyse the main trends of banking system in Czech Republic after 1989. It is primarily an analysis of centralised banking system, on the basis of which the potential regional impacts according to theory of regional segmentation of fiancial markets are tested. Based on the analysis of changes in the distribution of bank headquarters and the analysis of employment in financial sector it is clear, that in terms of the Czech Republic a highly concentrated banking system occured, which is moreover under the strong inluence of foreign capital. The study focused on testing the regional impacts of a centralized system through interviews with business owners in the peripheral region has not proved allegation of discrimination of entrepreneurs in such manner as we would expect according to the theory of regional segmentation of financial markets. However the study showed some problems with providing guarantees for bank loans in the periphery.
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Stress testing of the banking sector
Procházková, Jana ; Jakubík, Petr (advisor) ; Todica, Doina (referee)
This bachelor thesis deals with stress testing of the banking sector. Stress testing as a risk measurement technique has attracted much attention especially in recent years due to the increased instabilities in financial markets. This work defines two objectives. The aim of theoretical section is to provide a complex survey of stress testing principles and methodologies and to contribute to a better understanding of why stress tests are employed. The empirical section focuses on the credit risk in the Czech Republic. It tries to estimate whether there is an empirical relationship between the quality of credit portfolio of the Czech banking system and the development in key macroeconomic variables. For this purpose the econometric model of vector autoregression has been applied.
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Crimes in the banking sector
Havel, Martin ; Jelínek, Jiří (advisor) ; Vokoun, Rudolf (referee)
This thesis deals with criminal activities in relation to the banking sector. To highlight the importance of banking to the national economy, is seized most crime committed here. The perpetrators come from these areas. First, working within the banking sector - shareholders, officers and employees, the other so-called third parties outside the banking sector. Their common goal - to seize the funds in the bank for their own enrichment. Mostly for the money of depositors. This is a specific crime. Aim - show status of de lege lata. The prevention of crime, also show the possibility of de lege ferenda. In order to prevent crime and reduce the degree of damage.
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The Institutional Analysis of Banking Reforms in Vietnam
Nguyen Quang, Dung ; Mertlík, Pavel (advisor) ; Levely, Ian Vandemark (referee)
The main goals of the bachelor thesis is an institutional analysis of the banking reform in Vietnam. The author analyzes how the banking reform influences the institutional development. Modern institutions require flexible and efficient rules, both formal and informal. Hence, a legal framework is analyzed as well especially as to whether the de jure banking legal framework corresponds with the de facto one. Liberalization and internationalization of Vietnamese economy has a big impact on the development of the banking sector. Albeit institutions are de jure well developed they are not sufficiently efficient due to the inability of enforcement of laws, lack of confidence, and corruption in the banking sec- tor. Vietnam has chosen the right direction but the establishment of efficient institutions has to go hand-in-hand with the change of informal rules. Since the diffusion of information is limited due to lack of codification of laws, connections relationship and informal rules play a crucial role in the banking sector. Infor- mal rules are deeply entrenched and tenacious, and hence difficult to change in the short time. 1
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Assesment centre as a tool for selection of employees in bank sector
Hlavicová, Kateřina ; Wagnerová, Irena (advisor) ; Rymeš, Milan (referee)
Assessment centre is very useful and popular method for selection of employees on various positions. It has been used for already several decades all over the world. There are many tasks and tests, which can be used, but selection of criteria and training of assessors are important too. When Assessment centre is over and candidates have gone, meeting of assessors begins. At the meeting the assessors identify, which candidate is acceptable for a given position and which is not. At this meeting outputs and feed backs are worked out and this outputs are passed along to contracting autority and to candidates. One example of real Assessment centre is mentioned in second part of this graduation theses. It also contains a research, which aims to figure out what the validity of this particular Assessment centre is.
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