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System Approach to Risks Associated with Bank Account Management
Hájková, Denisa ; Cupal, Martin (referee) ; Janíček, Přemysl (advisor)
The basis of this thesis is to change the non-standard problem situation into a standard situation by using an increase of financial literacy of the bank's clients in relation to the account management. The literary research focuses on banking and technological concepts, supplemented by increased risk knowledge. The main contribution of my work is the creation of a set of individual risks and their categorization, which was created based on my gained practical experience. In addition, this thesis comprises of a survey which was carried out in the thesis and then statistically analyzed.
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Valuation methodology used for the purpose of UniCredit Bank and ČSOB
Mareš, Miroslav ; Kavka, Milan (referee) ; Šmahel, Milan (advisor)
Diploma thesis deals with the procedures for valuation of property according to the methodologies used by banks UniCredit Bank and ČSOB. This diploma thesis describes the principles of valuation of assets. In this thesis there are mentioned basic concepts of banking. It carries out a detailed analysis, description and comparison of selected valuation methodologies used by banks and methodologies used in appraiser´s work, who prepares evaluations for banking institutions. Based on the findings an analysis of the different methodologies is made.
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Risk Analysis in Banking
Grycová, Jana ; Koblihová, Markéta (referee) ; Adamec, Vladimír (advisor)
This thesis is devoted to the issue of risk management in the banking sector. It deals with methods application and analysis of risk assessment. Out of the evaluated analyses, there are proposed measures designed to reduce the identified risks at Sberbank CZ, a.s. The thesis is divided into three parts. In the first part, there is an insight into the issue, history and current trends. Subsequently, there are selected methods via which the next part is elaborated and in the last part there are suggested measures which lead to the reduction of identified risks in the bank.
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Risk in Financial Crisis inside Banking Sector
Magic, Matej ; Wirthová, Ĺubica (referee) ; Sojka, Zdeněk (advisor)
Bachelor thesis focuses on the analysis of risks associated with the emergence of the crisis in the banking sector. The thesis is divided into three main thematic blocks. The first, theoretical, presents the theoretical background and means and measures used to prevent and monitor the crisis in the banking sector. The second part of the thesis deals with an analysis of the crisis creation and impact on the banking sector. The third section presents risks connected with crisis in the banking sector.
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Trust in institutions of public life and interpersonal trust - April/May 2023
Kyselá, Monika
Of the public institutions surveyed, the police (74%), the army and banks (68%) are the most trusted. On the other hand churches (28%) and political parties & movements (24%) are the least trusted.\nHigher prevalence of trust over distrust is also evident in the case of courts, opinion polls, trade unions and radio. In relation to non-profit organisations, trust and distrust are more or less equal. For the remaining institutions (television, the internet), mistrust is already slightly or strongly prevalent (political parties and movements, churches, the press).\nCompared to the previous survey of March 2022 and August 2021 respectively, the biggest changes were recorded in the case of trade unions (10 percentage point increase in trust), non-profit organisations, opinion polls and political parties (6 percentage point increase in trust), the internet (5 percentage point increase in trust) banks and radio (4 percentage point increase in trust). The army and the police, on the other hand, recorded a year-on-year decline in trust (by 5 percentage points).\nInterpersonal (social) trust is slightly lower in Czech society compared to the previous survey from March 2022. 94% of respondents trust their closest relatives (down by 4 percentage points), while 73% trust ordinary people (down by 6 percentage points).
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The impact of Brexit on the activity of banks: 2013-2021 country by country reporting data
Hatalová, Lucia Mária ; Janský, Petr (advisor) ; Sivá, Soňa (referee)
The withdrawal of the United Kingdom from the European Union marks one of the most important events in recent history. The consequences of Brexit, particularly the loss of passporting rights in the services sector, have had severe adverse effects on British trade because it created barriers and challenges for British businesses to access the EU market and vice versa. This thesis aims to contribute to the existing literature on the impact of Brexit on financial ser- vices, specifically focusing on the banking sector. I use the country-by-country reporting data spanning from 2013 to 2021 to investigate the activity of 44 Eu- ropean banks. Using the turnover of the banks as a substitute for measuring banking activity, I estimate the gravity model employing the PPML and OLS estimators. The results indicate a negative effect of 24% on the turnover of British banks abroad relative to the domestic turnover. This suggests that the loss of pass- porting rights and the subsequent regulatory changes decreased the international operations of UK-based banks. In contrast, EU-based banks experienced 30% higher turnover in partner countries than domestically. 1
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The Use of Monetary Policy in the Simulator of Economic Instruments
PŘIBYL, Matěj
This thesis describes monetary policy and the use of its instruments in the modern economy. Monetary policy is a set of tools used by a nation's central bank to control the overall money supply and promote economic growth and employ strategies. The tools used and described in this thesis are for example, open market operations, discount rate and reserve requirements. These tools are used as a solution to random events that happen in a nation's economy. All these events are contained in a script which describes and suggests correct economic instruments to use. The main objective of this thesis is implementing the script into a diagram. The diagram also contains various choices and options to resolve events contained in this diagram. For example, rising inflation is dealt with by increasing interest rates. The output of the thesis will help banks to resolve various economic events and can also be used as a tool to educate students in economy oriented schools.
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IFRS 9 - a new approach to financial instruments reporting
Kumar, Sunny
This diploma thesis deals with the new classification and measurement of financial instruments and quantifying the impacts on banking organizations after application of new standard IFRS 9. Since IFRS 9 superseded IAS 39, therefore this thesis makes a research and analysis on the financial reporting mechanism used before and after introduction of IFRS 9. Theoretical part of the thesis explains classification and measurement of IFRS 9, a qualitative comparison between IAS 39 and IFRS 9 and the different impacts on organizations by application of new standard. The practical part quantifies those impacts by analyzing financial statements and reports that may influence effectiveness, control and revenue for the 3 banking organizations from Czech Republic in their financial instrument reporting.
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Foreign inspiration in the marketing of banking institutions
DRDOVÁ, Jana
The principal objective of this thesis is to describe and analyze the marketing activities of provided services and products of banking institutions abroad and the Czech republic. The thesis focuses on selected banking institutions from the Czech republic - Komerční banka, a.s. and Československá obchodní banka, a.s. Erste Bank was selected as the representative from the Austrian banking market. The thesis is based on data obtained from annual reports and websites. Additional data were obtained from interviews with representatives of bank institutions. The thesis contain a theoretical part bases describing the definition of marketing, what is marketing communication a what new trends in marketing communication are used. The thesis also deals with the comparison of marketing communications of selected banks. Then there is a multicriteria analysis. The analysis focused on the scoring method of websites and subsequently on the scoring of banks Instagram pages. Subsequently, the results of the analysis, including recommendations, are evaluated. The recommendations could streamline marketing communication in the Czech banking market.
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