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Utilization of payment cards
PETROVÁ, Jaroslava
The Thesis deals with the utilization rate of debit cards, asks whether popularity of credit cards increases and tries to find what the approach to holding a payment card is among clients. It also deals with the history of payment card origins, both abroad and in the Czech Republic, with classification of cards and with card associations. Advantages and disadvantages of credit cards for a provider, a retailer and a cardholder and the possibility to compare for whom a card is a beneficial product is another interesting topic. It also deals with classification of cards and informs on the most important card associations. It summarizes their position on the market in the Czech Republic. Payment cards are a phenomenon of present days, which is why nearly everybody owns this payment instrument today. When we look at the offer of banks and financial institutions at the territory of the Czech Republic we find that no more financial institution not offering a wide range of credit and debit cards exists nowadays. The aim of the Bachelor Thesis was to confirm or refute set hypotheses, what the rate of growth on payment cards is and whether the interest in payment cards grows. A quantitative method in the form of a questionnaire research among the clients of Raiffeisenbank a.s. was chosen to confirm the hypotheses, then a research question asking about the approach to payment card ownership among clients. The questionnaire results were processed by means of descriptive statistics in graphic form. The research results were described and evaluated from the point of view of conformation or refutation of the hypotheses and the research question in the conclusion of the Bachelor thesis.
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Online Banking and Consumers
KAKAŠ, Martin
The main aim of this thesis was to evaluate the use of Internet banking accounts among consumers. Investigate the pros and cons. Based on the analysis and data collection through online polling to assess and propose possible measures to improve services in internet banking. After studying the solved problems from expert resources, I set the main goals of this work and define hypotheses práce.K secondary data, I concluded the studies referred to literary resources and professional studies. Primary data were obtained šetřením.Výzkumné own experimental investigation of the main research was conducted via online interviews via the Internet and personal inquiries at the branch bank CSOB. The main research I conducted follow-up questions, interviewees were asked only at the branch of CSOB Czech Budejovice. A summary of results, I worked in tables and graphs and to evaluate the current situation in the field. Based on the data I provided any general recommendations for banks and concrete recommendations for a branch of CSOB Lannova 3 / 11 in the Czech Budejovice. Important recommendations for the Czech branch of CSOB Budejovice was economically evaluated against implementation. I completed my work, and finally appreciation. In which I have summarized the data obtained and the problems of internet banking, which I showed attachments.
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Financing by loans - model case
MIŠÁKOVÁ, Eliška
The main subject of the thesis "Financing by loans-model case" is aimed at credit questions. The first section lists the various types of loans and the characteristics that define a loan. In the second part is an analysis of credit standing of the client, followed by providing long-term loan.
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The issue of establishing a new bank branch
KLÍMA, Lukáš
The target of this diploma work is to show the establishment of a bank branch from the stage of planning to the day when it is open for clients. To do so I have used both fictitious data (in view of the ČSOB strategy) and methods and procedures used in practice.
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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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Deposit operations
ŠTEFKO, Martin
This bachelor thesis deals with deposit operations of banks that are provided for clients. It is focusing principally on the bearing interest of this operations and their description as products of selected banks {--} Česká spořitelna, Československá obchodní banka and Komerční banka. The aim of this bachelor work is to show how particular types of selected operations are paid interest on, and at the same time to show the calculation of the interest in a clear and understandable way. The partial aim of work is comparison of products that are provided by selected banks. The comparison is based on advantages that are results of more profitable benefits and on a higher interest rate. Calculation of interest is applied on rates of three selected banks.
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The comparison of large Czech banks' profits for the financial years 2008 - 2009
Bažanovský, Lukáš ; Dvořák, Petr (advisor)
The bachelor thesis deals with an analysis of the income statement and its particular cost and income components. It compares three large Czech banks during last two years. The time period was chosen because a few problems connected with a financial life of those financial institutions appeared. The basic aim is to reveal fundamental impacts of the financial and the economic crisis on banks' profit and loss accounts. The comparison of crisis-stricken income statements is made as well as the effects of negative events and circumstances are examined. The thesis also focuses on changes in a structure and a volume of profits and expenses that has been caused by the world market turmoil and a slowdown of local economy.
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Consumer protection as clients of banks
Drexlerová, Hana ; Schlossberger, Otakar (advisor)
The goal of this work is to determine the current state of consumer protection as clients of banks and compare the approach and procedures to protect this segment of the two different banks - Czech Savings Bank and mBank. The first chapter is devoted to the issue of consumer protection, and describes the basic concepts of key legislation, and engaged subjects. The next chapters examine the main reasons why banks protect the client's objectives of protecting the client, the basic features of the client - bank secrecy, privacy, openness of information and deposit insurance. The last chapter describes the specific problems of clients, focusing on individual products of banks and comparing approaches of ČS and mBank.
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Payment systems for micropayments
Wirthová, Petra ; Schlossberger, Otakar (advisor)
Work is focused on the analysis of the current payment system for micropayments. This the payment systems operating through the Internet or whether the mobile phone. The first part focuses on the definition of payments, since payments are based on an understanding of payment systems. Following is mentioned law on payments and analyze changes that occurred with this law in 2009. Further work is focused on principles, analysis, description, types of accounts, advantages and disadvantages mikroplatebních systems. Are mentioned payment systems already extinct.
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Measuring performance of financial institutions
Pohanka, Eduard ; Křížek, Tomáš (advisor)
The bachelor's thesis is focused on term performance and possibilities of its specification in banking. Terms profitability and efficiency are differed and described as well as possible mothods of their valuation. Basic concepts and indicators of profitability and efficiency are mentioned more closely and ilustrated on concrete values. These methods are judged in terms of simplicity of practical use, predictability and possibilities of interbank comparsion.
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