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Changes of bank fees in some of the Czech banks on time of escaleted competion
HANOUSKOVÁ, Michaela
This bachelor thesis is dedicated to the analysis of changes in bank charges in three selected banks from 2006 to 2015. On account of wide range of bank charges, only charges for a usual bank client who uses only some bank services are selected. His profile was constructed by Ing. Petr Nacher, the owner of the server www.bankovnipoplatky.com, and is based on data selected from Czech banks. The aim of this thesis is to record the development of bank charges and changes in current account´offer of selected banks in the term before and after economic crisis and under pressure from the bank clients. To meet a target the data about bank chargers were collected from the lists of tariffs and subsequently recorded to the tables. The changes in bank chargers and banks offers of current accounts are evaluated in this thesis. The outcome of the analysis shows that the banks are very affected by the competitive environment and that is why the method of pricing services regarding typical bank client is (analogous. The bank´s sector wasn´t very concerned by the economic crisis so the results don´t indicate any significant changes before and after the period of this crisis. It was evaluated that bank charges increase but costs of typical client don´t show this tendency because of the offer of a pack of bank services. Some possible recommendations for a typical bank client how to save on chargers are suggested at the end of the thesis. The trends used by banks to lure a larger amount of clients are also evaluated.
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The bank regulation and control in the Czech Republic after the financial and economic crisis 2007 - 2009
Kasenčáková, Jana ; Koderová, Jitka (advisor) ; Kaimova, Nadira (referee)
The thesis brings self-contained review of the bank regulation and control. The first part deals with the theory of the bank regulation and control and then the regulation and control of the bank sector in the Czech Republic is introduced. Next part deals with the brief analysis of the formation and development of the global financial crisis in the USA and chosen European countries. The last part introduces the changes in the field of the bank regulation and control that arose after the break out of the finacial crisis in the European Union. The conclusion of the thesis to a certain degree includes the attutide of the Czech Government and the Czech National Bank towards the newly introduced arrangements.
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Problems of the Banking Fees
BRZÁK, Tomáš
My thesis concentrates on the problems of the banking fees of banks in Czech Republic and Germany. It aims to examine the bank fees from the bank customers{\crq} point of view, and witch regard to the importance of the bank{\crq}s profit formation by analyzing and comparing bank politics in the Czech Republic and Germany. This thesis consists of two parts: theoretical and practical one. The theoretical part focuses on analyzing different types of bank schemes, their advantages and disadvantages and various types of banks existing in the market, and also on the scope of integral rate license. Last but not least, it deals with the analysis of the new Basel II which supports the stability of the financial system and competitive environment. The theoretical part also informs about the structure of the bank system in Germany and the competence of various bank institutions. The practical part similarly concentrates on analyzing the level of costs and commissions in relation to pecuniary gain of banks in Czech Republic and Germany. It also compares the banks on the basis of various indicators, such as for example the total assets, capital assets, number of business opportunities and net profit. Besides, it contains the level and progression of various fees of specific services over the last years, the pricing of bank deals and also all sorts of surveys like the most ridiculous fee, the bank with the best provided service and the bank with the best arranged scale of charges. Apart from that, it looks into the consumers{\crq} awareness about tariff changes in Czech Republic as well as Germany and it also focuses on the rules of conduct that the banks agreed on in order to improve the quality of the services for their customers.
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Influence of the global financial crisis on the banking system of Russia
Zenina, Aleksandra ; Heřman, Jan (advisor) ; Zeman, Karel (referee)
The global financial crisis has influenced the development of many countries. Russian Federation isn't exception. The special impact crisis has had on the country's banking sector. The main purpose of this work is to analyze the effects of the global financial crisis on the banking sector of the Russian Federation on the example of "Sberbank". Analysis of the influence of the financial crisis on this company consists of the following methods: research, analysis and planning. Analysis of the impact of the crisis includes the calculation and comparison of indicators such as capital adequacy, liquidity, return on assets, return on equity, the concentration of credit risks, the analysis of revenues and expenses of the enterprise for the period 2008-2010. Using these indicators it's possible to explore the market, the company's position in the banking sector, strengths and weaknesses, as well as the possible development in the future. Analysis of the influence of the global financial crisis on the Russian banking sector allows understand the reasons for problems and develop possible solutions.
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Analysis of monetary strategy CNB from 1989 to the present
Jindová, Petra ; Zeman, Karel (advisor) ; Jílek, Josef (referee)
The target of this bachelor thesis is to analyze monetary strategy of Czech national bank since 1989 to the present, deal with decisions of central bank in monetary policy in important periods. This theme is selected with regard on current financial situation in European Union and independence of Czech national bank in deciding about monetary policy. In theoretical part of this thesis will be described how monetary instruments works and what functions and targets have monetary policy of Czech national bank. In practical part will be analyzed progress of central bank from its beginning to the present. The main focus will be placed on break-even periods for our banking sector. The result of this analysis will evaluation of success Czech national bank's monetary targets since 1989 and comparison of positives and negatives with entry to European Monetary Union.
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The new legal legislation on the field of protection of the bank client as a consumer in the legal system of Czech Republic
Jahodová, Iva ; Půlpánová, Stanislava (advisor) ; Prokop, Martin (referee)
The diploma thesis deals with the new legal legislation on the field of protection of the bank client as a consumer in the legal system of Czech Republic and evaluation of the level set by regulation. The theses itself provides a complex view on particular areas of the protection of the consumer on the field of commercial banking, which has undergone major amendments during last years, such as consumer loans, payments, insurance claims from deposits and financial arbiter. Particular areas of the protection of the consumer are amended by the results of the researches concentrated on financial literacy of consumers, evaluation of the possible impacts on the consumer and banking institution and moreover there is outlined possible development in the stated area.
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Financial Analysis of the Czechoslovak Commercial Bank
Klecker, Tadeáš ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
I deal with specific problems in the financial analysis for the banking sector. I use these indicators bank bank liquidity, bank profitability, capital adequacy, productivity, quality of bank assets, capital adequacy. I found calculate solvency capital adequacy using CSOB and by calculating, I found that I have been over 8%, and therefore CSOB solvent.
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