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Audit of banking institutions in the Czech Republic
Ognev, Denis ; Brada, Jaroslav (advisor) ; Kubát, Max (referee)
This diploma thesis deals with external audit of banks in Czech Republic. The main objective of this thesis is to describe in detail the techniques, strategy and methods which are used by the external auditor during the engagement and to compare them with those used in internal audit. The main emphasis during the stage of interim audit is put on control of risk management activities. The first part of this diploma thesis is devoted to theoretical issues and legal aspects of audit profession. Specific characteristics of banking institutions audit including major risks and the scope of external auditor's activities are described in the second chapter of the thesis. Third part describes the main stages, used methodology and the process of external audit of banking institutions. Last chapter is devoted to a brief description of the internal auditor's activities in the bank and their comparison with the external audit.
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Application of Balanced Scorecard in a banking institution
Nechanický, Jakub ; Říhová, Zora (advisor) ; Šustáček, Pavel (referee)
This thesis focuses on the use and application of strategic tool Balanced Scorecard (BSC) for managing banking institution and translation the strategy into particular objectives and initiatives. Theoretical background affects both BSC framework taking into account modern trends of the dynamic system conception and also basics of information society, strategic considerations and system dynamics theory in relation to creating and application of the BSC in the organization. The practical part provides an introduction to the issues of examined institution, the current state of sharing strategic objectives, fundamental analysis to detect key features of the organization and the market and especially BSC formation. There is an analysis of the BSC system in details, translation strategy into concrete objectives, targets, initiatives and also selected measures. The integrity of the thesis is supplemented by a suggested process of dynamic BSC implementation to the institution, introduction of the tool for building a dynamic model for simulation of strategies and the concept of the user interface in the selected tool for sharing BSC through the whole organization.
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Consumer loans provided by banking and non-banking institutions
Klárová, Adéla ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
This thesis deals with consumer loans provided by banking and non-banking institutions in the Czech Republic. The aim is to compare the access of providers, representing concrete group, to clients. The thesis defines the most important concepts which are closely related to this issue, likewise regulations and laws that apply to this area of business. It describes in detail the process of loans providing, from loan application to loan repayment, alternatively not repaying the loan, including a brief mention about the psychology of the debtor and the effect of advertising on one's decision. Attention is paid to registers which are accessible to the individual providers. The practical part deals with selected banking and non-banking institutions and evaluates their different or comparable access to consumers.
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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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Optimizing the recruitment process applicants for consumer credit - case Study
Moudrý, Vojtěch ; Říhová, Zora (advisor) ; Střížová, Vlasta (referee)
This thesis is focused on analyzing the process of an online request for a consumer loan. It targets its weak points and creates a set of recommendations that should lead to more user - friendly environment. In the theoretical part, the thesis covers issues of consumer loans and explains topics from user testing and usability. It also describes methodology of the research. The practical part of this thesis is centered around a general simulation model, which was created based on the previous analysis. With this model and using selected methods the thesis identifies critical points common to most tested participants. Based on the results of the user testing, recommendations are made to resolve these issues. The general model was modified according to the validity of these recommendations and then subjected to re-testing. This thesis is unique for the use of an eye-tracking camera among other methods.
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Collateral Management and its interception and support in information systems, financial institution
Dudek, Tomáš ; Faina, Michal (advisor) ; Zetek, Pavel (referee)
The main objective of this thesis is to capture and support for Collateral Management in the environment of financial institution. The thesis deals with general and practical description Collateral Management, realizaction collateral management, trouble banking institucion implemented through the parent banking institution, and aplicaton design Collateral Management. The main benefits of this thesis I find the introduction of Collateral Management and submitting information on IT application covering the Collateral Management, and a reminders types of financial markets, banking institutions and their risks.
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Sales finance companies
TRÁVNÍČKOVÁ, Eva
The aim of the thesis is to present various types of consumer credits provided by sales finance companies offering instalment sales, and to compare them with loans granted by banks. Special attention is paid to the companies GE Money Multiservis, CETELEM ČR, a. s., Home Credit, a. s., ESSOX, s. r. o., and COFIDIS, s. r. o., focusing on their instalment selling terms and conditions. The banks institutions are represented by purpose and non-purpose loans offered by Česká spořitelna, a. s., Komerční banka, a. s., and Poštovní spořitelna.
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