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The influence of crises on development of credit rating of some specific countries and banks
Ulmanová, Tereza ; Zetek, Pavel (advisor) ; Prokop, Martin (referee)
The aim of this thesis is to generally characterize credit rating. In its analytical part it deals with credit rating development of some specific countries and banks. The aim is to analyse this credit rating development, to find out its causes and consequences and to point to the interconnection between the countries, the parent banks and their subsidiaries. The paper describes the demands placed on credit rating agencies, too, and governments' efforts to control their activities. The paper shows that the trustworthiness of the rating agencies was broken after the global financial crisis came. Since then are the rating agencies more careful and they are not afraid of decreasing the credit rating in countries with problems. During last four years came to the adjustment of credit rating downwards in many countries especially in EU.
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Comparison of unit linked insurance in the Czech republic
Doubková, Petra ; Zetek, Pavel (advisor) ; Pumprová, Zuzana (referee)
Unit linked insurance in the czech insurance market was analyzed in this bachelor thesis. In this analysis were examined the benefits and shortages which are connected with this product and with the general principles of operation and legislation. Following the current trends of investment instruments, was performed detailed research of how the products are offered by financial advisors. There is also comparison of the various options of this product, which insurance companies offers in the Czech republic. Empirical results show that ULI is a promising product which provides not only the provision of insurance protection, but also can evaluate your investment.
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Analysis of savings accounts for individuals in the CR
Hynek, Jan ; Zetek, Pavel (advisor) ; Matejašák, Milan (referee)
The thesis is focused on the analysis of the assessment options of available funds using more conservative instruments of the financial sector. They are mainly the savings accounts and the term deposits. In the first part, the status and the role of the banks and credit unions in the financial sector will be determined, including offered products and services. The following part then analyzes various products in terms of real return, the fees, other costs and additional services in detail. In the end, it was found that under current conditions it is possible for an increased acceptance of the risk to get the highest evaluation with Metropolitan credit union's savings account.
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Microfinance and microcredit in developing countries
Hlinková, Soňa ; Zetek, Pavel (advisor) ; Janda, Karel (referee)
The bachelor thesis deals with the fundamental issues of microfinancial sector, describes the birth of the field, priciples of working and defines concrete social benefit for population of the world's poorest regions. Field of interest is also focused on the determination of the main problems of microfinance as well, like high operating costs, lack of regulatory frameworks or an excessive profit greed of investors. The paper continually emphasizes considerable differences between microfinancial and banking sector as well. The significant part is focused on key subjects of the microfinancial market- non-profit and profit microfinancial institutions, which work compares and eventually analyses their efficiency.
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The Specifics of the Audit of Financial Statements of the Bank in the Czech Republic
Hofman, Jiří ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
This master thesis deals with the area of external audit of the bank in the Czech Republic. Its goal is to identify and describe the specifics making the procedures during bank's financial statements audit different from those applied by non-financial commercial subjects. The first part is focused on the general framework of the external audit. The second part describes main features of the bank identifying several risks connected with the business which have a significant influence on the approach used by the auditors. The third part describes the methodology applied by auditors during the audit of the bank.
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Formal and substantive evaluation of insurance penetration in the CR
Klečáková, Eva ; Daňhel, Jaroslav (advisor) ; Zetek, Pavel (referee)
This thesis deals with analysis of development in insurance penetration of the Czech republic. The importance of insurance is growing in years, what is numerically expressed in values of insurance penetration indicators. This thesis is focused on development in the Czech republic between years 2000-2010. To review values in the broader context will be indicators compared with EU countries. The thesis is finished by summary of the insurance penetration in the Czech republic and by the prognosis of the further development.
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The Preparation of the Solvency II Implementation on the Czech Market
Kudrová, Michaela ; Daňhel, Jaroslav (advisor) ; Zetek, Pavel (referee)
This thesis is primarily focused on forthcoming regulatory concept Solvency II, which is valid for all member states of the European Union in insurance industry. In the first part of the work the term solvency is defined and actual mode of its reporting called Solvency I with its basic shortcomings are introduced. The second part describes the forthcoming new concept called Solvency II, its aims, three pillars on which it stands on and also the Lamfalussy Legislative Model according to which it is created. Then the fundamental risks endangering the insurance companies and the timetable of the Solvency II implementation are explained. The analysis of five Quantitative Impact Studies focused on impacts of the Solvency II concept makes the finish of the work.
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Position of Ceska pojistovna in the Czech insurance market
Hájková, Veronika ; Daňhel, Jaroslav (advisor) ; Zetek, Pavel (referee)
This thesis is dedicated to the largest insurance company in the Czech insurance market, Ceska pojistovna, which also has the longest tradition. Position is evaluated from different perspectives. It takes into account the historical context, position in Generali PPF Holding and rating. The new strategy of Ceska pojistovna and some innovations in the insurance products are described. The analysis is performed on indicators such as premium written and market share, as well as profit and different ratios of the financial statements. At the end, it tries to estimate the future development.
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The credit risk management in the Czech banks
Čedíková, Gabriela ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
Subject of my thesis is a credit risk in the czech banking environment. It consists of five chapters. First one contains description of basic risks banks are exposed to. The next one addresses the credit risk itself and its management, including determination of credit policy and the process of credit granting. Related to this topic is hedging, in broader sense also including provisioning and reserves creation. Third chapter is about credit derivatives, via which the credit risk can be reduced. Closely related to this topic is a securitisation process and it's products. Fourth chapter deals with regulation, which is an essential part of the banking sector nowadays. I focus primarily on Basel II and its credit risk part. In the final chapter I describe credit risk management of one of the biggest czech banks, Ceska sporitelna, which granted most credits in 2010.
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Analysis of financing options for housing
Šamánková, Barbora ; Zetek, Pavel (advisor)
This bachelor thesis deals with products, which are used in funding the housing. The thesis aims mainly on these of the products, which are in the Czech Republic most used - building society and mortgage loans. The goal of this thesis is to make a general demarcation of these products and their mutual comparison in a view of costs for client.
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