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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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BASEL III - leveraga ratio
Fořtová, Nikola ; Špániková, Kateřina (advisor) ; Fleischmann, Luboš (referee)
The purpose of this bachelor thesis Basel III Leverage Ratio is to describe the development of regulatory concepts published by Basil authorities especially the Basel III Leverage Ratio concept. This concept was realized in reaction to the financial crisis in 2008, when many defects of the previous concept were discovered. Innovation were made, including adjustments to capital adequacy, capital buffers, leverage ratio, liquidity and others. This thesis focuses on the leverage ratio indicator. The main goal of the paper is to describe this component, its implementation and evaluate expected fallouts or outcomes. The last part of this thesis sums up the situation in Czech Republic and the opinion of Czech National Bank on the Basil III implementation.
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Education under the roof of the European Union
Čiháková, Libuše ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
This thesis is a response to current education reform in the Czech Republic. EU objective and their long-term goals will be defined in the introduction. The main objective of the thesis is comparison of two different educational systems, both of which are under control of the European Union. There are two countries selected for this paper, the Czech Republic and the Netherlands. Not only the educational systems, but also the method of financing is compared. The Czech educational system is entirely dependent on public funding for their educational system, while in Netherlands a significant part of the finances going to the educational system is covered by students themselves. Besides other things current issues in educational sector, which are faced by selected countries, will be discussed in the thesis as well. Two private schools were chosen for comparison to illustrate the situation of private education in the Czech Republic, University of Finances and Administration and The European Polytechnic Institute in Kunovice.
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The life insurance development in Czech Republic
Pohanková, Martina ; Ducháčková, Eva (advisor) ; Fleischmann, Luboš (referee)
The thesis deals with life insurance market in Czech Republic, its trends and importance. In the first place it defines life insurance and its importance for individuals and whole community. It looks at possible ways how to sign an insurance contract and particularly it explores a work of insurance brokers and deals with the actual questions of the brokerage distribution of insurance. Furthermore, it examines the life insurance market trends since 1990s, it compares it with the trends in European union and sums up the sources of results. Finally, it shows the importance of life insurance for Czech citizens based on questionnaire and predicts future trends of life insurance market in Czech Republic.
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Analysis of consumer loans in terms of APR with focus on microcredit
Hesová, Alžběta ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
The thesis is focused on consumer loans either from a regulatory standpoint including comparison of two legislative resources and from practical view focusing on real-life examples from Czech banking and non-bank providers. The main focus of analysis is to determine the impact of credit parameters on the APRC. Considerable portion of the thesis is dedicated to a specific area of consumer loans, microcredits. Even here the primary aim is the regulation of microcredits, the providers participating in the administration of microcredits and the calculation of the impact of principal, maturity and costs of credit on the APRC.
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Analysis of capital adequacy development of banks in Czech republic
Krondiak, Ladislav ; Dvořák, Petr (advisor) ; Fleischmann, Luboš (referee)
The main focus of this thesis is the analysis of channels used by Czech banks to increase their capital ratios. We identify the increase in capital as the main channel used. Further, within these channels we find retained earnings to be the main tool used. In addition, growth in the loans volume was the dominant tool within the channel of asset volume. Furthermore, we observe an increase in the use of more advanced capital requirements quantification methods, especially in larger banks. We also identify several factors, other than capital regulation, that might have contributed to the observed developments.
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Fundamental analysis of the company O2 Czech Republic
Jurzycová, Karin ; Kábrt, Tomáš (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis is focused on theoretical familiarization with fundamental analysis and its practical implementation on shares of O2 Czech Republic company. The aim is to determine intrinsic value of O2 shares and to suggest investment recommendation. First in the global analysis I examined in the dependence of macroeconomic factors and the market price of shares with their long-term development. With the sector analysis I characterized telecommunications sector by its market structure or regulations. In the fundamental analysis of the company I focused on models used for determining the intristic value of the shares and I calculated the intrinsic value, which I then compared with the current market price of the share. At the end I mentioned the split of the O2 Czech Republic company, which happened in 2015, and I compared selected indicators before and after the split.
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