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Consumer loan and its regulation
Tuháčková, Linda ; Schlossberger, Otakar (advisor) ; Fleischmann, Luboš (referee)
The bachelor thesis deals with consumer loans from regulatory and practical point of view which is described by examples of current range of banking and non-bank providers operating on the Czech financial market. The main objective of the thesis is the comparison to determine the financial advantage of the selected providers and to point out changes relating to the new Consumer Loan Act. In theoretical part I also define the basic concepts related to the chosen topic.
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System of Financial Market Guarantee Funds in the Czech Republic
Krtilová, Pavla ; Staniek, Dušan (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis examines the Financial Market Guarantee System in the Czech Republic and its funds. It aims to describe and analyse how the system works, describe its history and development as well as its legislative establishment in the Czech Republic. The thesis is divided into theoretical and practical part. Theoretical part describes both funds - Deposit Insurance fund and Resolution fund. Description contains competence and relevance of those funds, European regulation and system of contributing. Practical part calculates contributions of two Czech different sized banks to the Deposit Insurance fund and to the Resolution fund. Those illustrative contributions seem to be quite realistic. The thesis also deals with the ability of the system to help banks or other institutions in financial problems, this ability is very limited. Practical analysis also mentions the possibility of reducing the contribution.
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An Analysis of the Factors Affecting Credit Risk in Personal Lending
Kissík, Tomáš ; Dvořák, Petr (advisor) ; Fleischmann, Luboš (referee)
This thesis takes up the issue of consumer loans credit risk. It aims to identify factors that influence the likelihood of default during the repayment of bank retail products. Theoretical part is focused on the theory of bank loans, credit risk together with its regulation within the Basel guidelines and a description of the most commonly used statistical methods for the creation of scoring models. In the practical part, logistic regression parameter estimates are used on real set, the main features linking loans in default are examined and their impact on the proportion of bad loans in the portfolio is measured.
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Analysis of mortgages and comparison of their costs
Dugina, Anastasiia ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
The thesis Analysis of mortgages and comparison of their costs is focused on mortgage financing in the Czech Republic. The aim of this thesis is to investigate possibilities of real property financing in Czech Republic and compare them. At the beginning it presents basic characteristic of different types of financial products used in real estate financing, its development in recent years and its conditions of provision. Next part describes the process of acquiring mortgage loan and all of its advantages and disadvantages. The last part of the thesis focuses on the analysis of individual banks, real examples of mortgage loans. Thesis also offers comparison of some Czech and Russian financial products and example of finding the best conditions for clients
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Analysis of the approaches of Central and Eastern European countries towards their membership in the Banking union
Samuelis, Tomáš ; Dvořák, Petr (advisor) ; Fleischmann, Luboš (referee)
The goal of this thesis is to analyze the approaches of countries in Central and Eastern European region towards their membership in the Banking Union. The selected topic has been investigated based on structural characteristics of the banking sectors of the impacted countries. The comparison of these characteristics resulted in identification of inconsistencies between the 2 standpoints (Opt-in and Opt-out). The thesis monitors the motivation of banks in choosing or changing the legal form of 'their' banks in host markets. The work identifies areas in which the host government can act to prevent banks from converting into branches, thus retaining the regulatory powers in local authorities. The thesis in the first 2 chapters maps the first and the second pillar of the Banking Union, Single Supervisory Mechanism and the Single Resolution Mechanism respectively. Furthermore, it summarizes the results of the European Central Bank in carrying out the Comprehensive Assessment exercise.
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Banking regulation and supervision
Zhiltsova, Elizaveta ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
This thesis mainly deals with the regulation and supervision of the banking system. It examines the reasons and aims of regulation, banking supervision institutions, position of the Czech National Bank and the scope of their powers to domestic banks and other financial institutions in the Czech Republic. The aim of the thesis is to identify and present topical information on the current manner and degree of regulation and supervision, law methods of regulating activities, exploration of the latest changes and trends in the sphere of regulation and supervision in the Czech Republic and EU influence.
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Analysis of measures against money laundering in the banking sector in Russia and the Czech Republic
Vasilyeva, Valeriya ; Teplý, Petr (advisor) ; Fleischmann, Luboš (referee)
The bachelor thesis is focused on analysis of contemporary money laundering problem in Czech Republic and Russia. In this connection, emphasis is placed on cyber risk and risk in IT sphere. The first part is devoted to theoretical definition of money laundering, description of virtual currency and shows on example the use of virtual currency to launder money from criminal activities. The second part focuses on the activities of the authorities, responsible for preventing money laundering in both states, and legislative regulation the field of AML. The last part is a summary and discussion of the effectiveness of AML regulation in the Czech Republic and Russia.
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Analysis of the impact of low interest rates on banking business in Sweden
Hellová, Tereza ; Dvořák, Petr (advisor) ; Fleischmann, Luboš (referee)
The goal of thesis titled "Analysis of the impact of low interest rates on banking business in Sweden" is to define conditions of bank business and profitability of banks in Sweden. Bank management is monitored mainly in terms of low interest rate policy. Among the indicators observed in the period from 2011 to 2015 include particularly the net interest margin, profitability ratios and loans volume. Risk incurred by banks is also monitored through losses from credit operations and the share of risk-weighted assets to total banking assets.
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Financial analysis of Sberbank CZ, Inc.
Sládek, Jan ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
The main objective of this master thesis is to develop a financial analysis of banking institution Sberbank CZ, Inc., to evaluate the overall effectiveness of its activities and to compare its situation with competing banks. The master thesis is divided into three main parts. The first part focuses on description of methodological and theoretical findings, which are connected with financial analysis. Attention is paid not only to financial analysis and financial indicators, but the author of the thesis also deals with information resources, information duties of banks, financial statements and regulations of the Czech National Bank. The second part is devoted to introduction of chosen banks and description of their main features. The third part focuses on application of reached findings and creating financial analysis of Sberbank CZ, Inc.. Results will be continuously evaluated and also measured with competing banks. In conclusion are presented reached results of financial analysis, on which is evaluated whole financial situation of Sberbank CZ, Inc..
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Financial Literacy and Possibilities of Its Increasing
Chmelíková, Petra ; Coufal, Libor (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis in the field of finances specifically deals with the issue of financial literacy and its teaching. The focus is primarily on the situation in the Czech Republic. The main goal is to determine the current situation in education at Czech elementary schools, and to compare selected projects aimed at increasing the level of pupils´ financial literacy. The work is subdivided into theoretical and practical parts. The theoretical part is to explain basic concepts and terms and their outline, and to provide a summary of the issues. It also includes an analysis of the selected educational projects in the field. The practical part contains an outline and results of a survey conducted among elementary school pupils.
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