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Analysis and Comparison of Loans Offered by Banks in the Czech Republic
Konůpková, Michaela ; Řezníček, Josef (referee) ; Zeman, Václav (advisor)
This thesis deals with the analysis of loans offered by banks and non-banking insittutions in the current conditions of the Czech Republic. The first part deals with loans, what their principles and risks are and deals with lending and the development of providing such a loan. The second part focuses on analysis of consumer-purpose loans to selected banks and non-banking insittutions provided to natural person non- businessman, which are then compared. Based on the comparison of selected banks and non-banking insittutions the best option intended for consumer credit provided are based on the comparison of selected banks on a model example.
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External Financing of the Construction of a Manufacturing Hall
Vágner, David ; Zavadilová, Hana (referee) ; Ptáček, Roman (advisor)
The diploma thesis deals with the problems of external financing company LAZAM CZ s. r. o. The first, theoretical, part contains general discussion about the possibilities of external financing of the company, mainly through credit drawing one of the banks operating in the Czech Republic. The method is literature review. Second, analytic, part then solves selection of company and it’s product, which is suitable for company LAZAM CZ s. r. o. It is used several methods of evaluating the situation of the company and it’s surroundings. The analysis and used methods are aimed to fulfill the main goal set thesis.
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Vliv konkurence v českém bankovním sektoru na výši RPSN bankovních úvěrů
Šikulová, Andrea
The main aim of this thesis is to evaluate the influence of the competition conditions in the bank sector especially its height of RPSN in loans. There is analysis of the competition in the czech bank sector and the RPSN index in the practical part. There is also another analysis of the variability of the height of RPSN considering several banks. Conclusion contains the evaluation of the influence of the competition and the activity of the central bank focused on the height of the RPSN, whereas there are mentioned even the possible visions for future.
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Collateral Composition, Diversification Risk, and Systemically Important Merchant Banks
Derviz, Alexis
We study the impact of collateral diversification by non-financial firms on systemic risk in a general equilibrium model with standard production functions and mixed debt-equity financing. Systemic risk comes about as soon as firms diversify their collateral by holding claims on a big wholesale bank (called merchant bank in the paper) whose asset side includes claims on the same producer set. The merchant bank sector proves to be fragile (has a short distance to default) regardless of competition. In this setting, the policy response, consisting in official guarantees for the merchant bank’s liabilities, entails considerable government loss risk. An alternative without the need for public sector involvement is to encourage systemically important merchant banks to introduce a simple bail-in mechanism by restricting their liabilities to contingent convertible bonds. This line of regulatory policy is particularly relevant to the containment of systemic events in globally leveraged economies serviced by big international banks outside host country regulatory control.
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Commercial Risks of Companies in International Trade for Commercial Banks
Jochmanová, Helena ; Němečková, Iveta (advisor) ; Nejedlý, Michal (referee)
This bachelor thesis discusses possible commercial risks for commercial bank in international trade. First chapter of this thesis is an introduction to an issue of commercial risks and it also describes all subjects that can be affected by them. Second chapter summarises theory of commercial risks and describes possibilities of avoiding them. Third chapter involves case study that describes real business transaction and techniques of commercial bank that deals with commercial risks.
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Internal audit and internal control system of commercial bank
Chytilová, Alice ; Půlpánová, Stanislava (advisor) ; Radová, Jarmila (referee)
The bachelor thesis is focused on characterization of internal bank audit and internal control system in the bank. In the beginning the basic principles and goals of internal audit are described, legislation of internal bank audit and personality of internal auditor are determined subsequently. In the next part there is explained the position of internal audit in bank organization structure and recommended organization of internal audit department. For better illustration the possibilities of organization are enclosed. After that the internal control bank system is defined and the role of internal audit in this system. In conclusion author pays attention to description of internal bank audit process. The thesis is focused on environment of commercial banks in the Czech Republic.
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