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Bank lending survey January 2015
Česká národní banka
The Bank Lending Survey captures banks’ opinions regarding the change in the supply of loans by means of credit standards and the terms and conditions for approving loans, and regarding the change in non-financial corporations’ and households’ demand for loans. This document summarises the results of the eleventh round of the survey, i.e. banks’ views on the evolution of the standards and conditions in 2014 Q4 and their expectations in these areas for 2015 Q1. Eighteen banks, accounting for a major share of the bank credit market, took part in the survey, which was conducted between 27 November and 16 December 2014.
Fulltext:  PDF; PDF
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Bank lending survey October 2014
Česká národní banka
The Bank Lending Survey captures banks’ opinions regarding the change in the supply of loans by means of credit standards and the terms and conditions for approving loans, and regarding the change in non-financial corporations’ and households’ demand for loans. This document summarises the results of the tenth round of the survey, i.e. banks’ views on the evolution of the standards and conditions in 2014 Q3 and their expectations in these areas for 2014 Q4. Eighteen banks, accounting for a major share of the bank credit market, took part in the survey, which was conducted between 9 and 23 September 2014.
Fulltext: PDF; PDF
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Bank lending survey April 2014
Česká národní banka
The Bank Lending Survey captures banks’ opinions regarding the change in the supply of loans by means of credit standards and the terms and conditions for approving loans, and regarding the change in non-financial corporations’ and households’ demand for loans. This document summarises the results of the eighth round of the survey, i.e. banks’ views on the evolution of the standards and conditions in 2014 Q1 and their expectations in these areas for 2014 Q2. Eighteen banks, accounting for a major share of the bank credit market, took part in the survey.
Fulltext: PDF; PDF
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Bank lending survey July 2014
Česká národní banka
The Bank Lending Survey captures banks’ opinions regarding the change in the supply of loans by means of credit standards and the terms and conditions for approving loans, and regarding the change in non-financial corporations’ and households’ demand for loans. This document summarises the results of the ninth round of the survey, i.e. banks’ views on the evolution of the standards and conditions in 2014 Q2 and their expectations in these areas for 2014 Q3. Eighteen banks, accounting for a major share of the bank credit market, took part in the survey.
Fulltext: PDF; PDF
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Bank Competition and Financial Stability: Much Ado about Nothing?
Havránek, Tomáš ; Žigraiová, Diana
The theoretical literature gives conflicting predictions on how bank competition should affect financial stability, and dozens of researchers have attempted to evaluate the relationship empirically. We collect 598 estimates of the competition-stability nexus reported in 31 studies and analyze the literature using meta-analysis methods. We control for 35 aspects of study design and employ Bayesian model averaging to tackle the resulting model uncertainty. Our findings suggest that the definition of financial stability and bank competition used by researchers influences their results in a systematic way. The choice of data, estimation methodology, and control variables also affects the reported coefficient. We find evidence for moderate publication bias. Taken together, the estimates reported in the literature suggest little interplay between competition and stability, even when corrected for publication bias and potential misspecifications.
Fulltext: PDF
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Bank lending survey January 2014
Česká národní banka
The Bank Lending Survey captures banks’ opinions regarding the change in the supply of loans by means of credit standards and the terms and conditions for approving loans, and regarding the change in non - financial corporations’ and households’ demand for loans. This document summarises the resu lts of the seventh round of the survey, i.e. banks’ views on the evolution of the standards and conditions in 2013 Q4 and their expectations in these areas for 2014 Q1. Eighteen banks, accounting for a major share of the bank credit market, took part in th e survey.
Fulltext: PDF; PDF
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Banking regulation in the Czech Republic
Škapa, Václav ; Dvořák, Petr (advisor) ; Janda, Karel (referee)
The theory of bank regulation is based on several principles. The prime one percieves bank as specific subject in economy. Bank differs in pattern of its activities, structure of its assets and debts, spectrum of undergone risks, etc. Efficient regulation is achieved by establishing generally binding rules, most often legal rules. These rules define enviroment of banks' business. When evaluating legal settings in the Czech Republic, differences between the settings and theoretical solutions must be involved. Conclutions relevant to the efficiency of bank regulation system may be set on the basis of this comparision.
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Comparison of european banks profitability
Šebor, Jan ; Dvořák, Petr (advisor) ; Tuček, Miroslav (referee)
The aim of this paper is to determine, whether the conclusions reached by some authors about the influence of the development of the financial system, bank size and taxation on bank profitability are also applicable to the European banking sector. This thesis is divided into 4 thematic parts. The first part tries to summarize the recent events that have had influence on the European banking sector as well as on the whole world and sum up their possible impact on bank profitability. A lot of attention is paid to the events of 2007 and 2008. The second and third subsection describes the basic theory, on which the thesis is build on. The balance and income statement is analysed in short as well. Further, an insight into the profitability ratios is given, because the comparison of these ratios is the centre of this paper. The forth, methodological, subsection and the fifth as well are focusing on the process contiguous our comparison. The data selection process and the influences on it are described in this section. The section also includes the fundamental base and hypotheses. The profitability comparison can be found in the next three subsections. The banks are not looked at as individual institutions, but there are concentrated into bigger units, based on country of residence and size. The last section deals with the influence of taxation on bank's profitability. The conclusion is dedicated to a summary of all the findings that were discovered during the previous sections.
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Banking system of The Protectorate of Bohemia and Moravia
Mihoková, Zuzana ; Stellner, František (advisor) ; Jakubec, Ivan (referee)
The dissertation deals with economic situation of The Protectorate of Bohemia and Moravia with a view to banking system. The first chapter is dedicated to the brief characteristic of the era of the Second Czechoslovak Republic to explain the situation when Germany affects progress on our territory. The second chapter is concentrated to succeeding era -- occupying of Czech countries, origin of The Protectorate of Bohemia and Moravia and integration to big German economy system. The next chapter is heart of the dissertation. It is about organisation of bank system in The Protectorate of Bohemia and Moravia and it's detention to German economy, about activities of central bank and commercial banks and monetary policy, about Germany interest in Czech bank's shares in industrial companies and in central bank's gold reserve and about origin of customs union. The part of dissertation is also dedicated to exile government in London and it's task in preparations of monetary system reform.
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K vývoji amerických financí za velké hospodářské krize
Obonyová, Zuzana ; Stellner, František (advisor) ; Tajovský, Ladislav (referee)
Diplomová práce se věnuje popisu a analýze chování institucí finančního sektoru, tj. komerčního a centrálního bankovnictví USA v období Velké hospodářské krize. Zkoumá faktory, které mohly společně zapříčinit bezprecedentní bankovní kolaps na začátku třicátých let. Cílem práce je nabídnout přehledný a srozumitelný obraz o tom, jak americký finanční systém a její instituce, zejména komerční banky, Federální rezervní systém a zlatý standard, fungovaly v době Velké hospodářské krize. Velký prostor je věnován roli, kterou během události sehrál Federální rezervní systém prostřednictvím své strategie během dvacátých let a v době krize. V souvislosti s Velkou hospodářskou krizí zůstává jednou z nejvíce diskutovaných témat role Federálního rezervního systému. Dále práce obsahuje analýzu jednotlivých vln bankovních krizí, a to jak z mikroekonomického, tak i z makroekonomického pohledu. Věnuje se též problematikám omezení ?branch bankingu?, bankovním panikám a ?uvěrové expanze?. Z časového hlediska je téma diskutovaná do vyhlášení ?bankovních prázdnin? a přijetí zákona The Banking Act z roku 1933.
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