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Risk Management of Bank Credit System and Decision Making Process
Skovajsa, Radek ; Kryštof, Zdeněk (referee) ; Čižinská, Romana (advisor)
The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.
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Optimization of the Bank Loan Application
Skovajsa, Radek ; Kořínková, Martina (referee) ; Čižinská, Romana (advisor)
The work is based both on theoretical basis and practical working processes of banks for assessing client's financial standing in Czech market environment. Basic preconditions for successful credit allocation to a business entity will be set along with evaluation of the importance of information from a credit requisition form's compulsory enclosure. A detailed analysis of the client's economy from a bank perspective will be succeeded by identification of critical risks and positives of an applicant's financial position.
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The Suggestion for Improvement of Financial Situation in the Firm
Meluzínová, Jana ; Kalouda, František (referee) ; Škapa, Stanislav (advisor)
Předmětem diplomové práce je provést finanční analýzu v konkrétní společonsti a uvést návrhy na zlepšení její finanční situace. První část práce shrnuje teoretické poznatky v oblasti finační analýzy. Představení společnosti a její popis následuje v další kapitole. Ve třetí části práce jsou ziskané teoretivké vědomosti prakticky aplikovány. V závěru jsou zpracovány návrhy a doporučení směřující ke zlepšení finanční situace vybrané společnosti.
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Use Time Series to Analyze the Performance of the Enterprise.
Vičar, Jakub ; Doubravský, Karel (referee) ; Kropáč, Jiří (advisor)
This work deals with the analysis of the financial statements of existing companies with the help of statistical methods and time series. The work is aimed at a large mining company Severočeské doly a.s. At this work will be given the statistical and graphic representation of the various economic indicators and financial statements. Each time series will be compared with professional values and competing firms. In conclusion, based on the results of the company will be proposed some options for improving some indicators.
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Comparison of Financial Statements Compiled according to interational standards IFS and Czech Legal Regulaions
Musilová, Barbora ; Stárová, Marta (advisor) ; Kristýna, Kristýna (referee)
This bachelor thesis is comparing the differences between the financial statements prepared according to the Czech accounting legislation and financial statements conducted in accordance with International Financial Reporting Standards (IFRS). First part is focusing on familiarization with IFRS, with the financial statements prepared by IRFS, financial statements assembled by Czech accounting legislation, and with tangible fixed assets. Second part is addressing the issues presented on the completed financial statement, a balance sheet, as well as the differences between a balance sheet prepared in accordance with IFRS and according to Czech legislation.
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Financial analysis of the company BMS - SAND s. r. o.
Kyselová, Lucie ; Steininger, Michal (advisor) ; Lada, Lada (referee)
The aim of this diploma thesis is to identify and analyse the financial situation of the selected company BMS SAND, s. r. o. through financial analysis and to propose measures for its future performance. The aim of the theoretical part is a description of problematic of a financial analysis and typologies of companies.
The significant part of this thesis contains brief characteristics of the company BMS SAND, s. r. o. Subsequently, a horizontal analysis of assets and liabilities and profit and loss statement was applied. Then a vertical analysis of assets and liabilities has been done and an analysis of difference indicators, which includes the calculation of the net working capital. Financial analysis proceeds to the analysis of ratio indicators. There were also comprehensive evaluation indexes applied, using creditworthy and bankruptcy models.
Based on the results of the financial analysis, it can be concluded that the enterprise
BMS SAND, s. r. o. has not significant economic problems. A focus on the management of short-term debt in relation to the creditworthiness of customers, the optimal volume reduction of current assets, which are tied up, to make these resources gain greater benefits and a detailed analysis of the types of costs in order to determine their share creating sales opportunities and more effective management of these costs can be advised.
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Economic analysis of selected company
Čechová, Věra ; Mach, Jiří (advisor) ; Kateřina, Kateřina (referee)
It is not easy to be succesful and remain on the market full of competition nowadays. Companies have to constantly adapt to different changes but they also have to continuously develop and improve in order to compete with others. They need to know themselves and also their competitors in order to achieve this improvement. Therefore an economic analysis was compiled to examine and identify economic performance of the company. To perform this analysis, it is essential to understand the related concepts, to have knowledge of the methods and mainly to be experienced in financial statements. All above mentioned is defined in the theoretical part of this thesis. In the practical part, there is the analysis applied in practice in order to achieve goals of this thesis. One of the goals is to summaries economic situation of cooperative compared to main competitor in industry. The above analysis are illustrated with graphs and notes.
The Agricultural Cooperative Velká Chyška was selected for the analysis, becouse of it is main activity in agriculture. Analyzed period is in ten years range from 2005 till 2014. The cooperative was reporting satisfactory results in this period, with exception of the downturn in 2009 which was caused mainly by the fall of milk prices to a minimum-this was a result of global economic crisis and poor weather conditions. The good condition of the cooperative can be demonstrated on financial statement analysis, financial ratios, IN05 index and best position in comparison to a competitors and industry. The results show that the Agricultural Cooperative Velká Chyška is able to economically use their financial funds and property.
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Use Time Series to Analyze the Performance of the Enterprise.
Vičar, Jakub ; Doubravský, Karel (referee) ; Kropáč, Jiří (advisor)
This work deals with the analysis of the financial statements of existing companies with the help of statistical methods and time series. The work is aimed at a large mining company Severočeské doly a.s. At this work will be given the statistical and graphic representation of the various economic indicators and financial statements. Each time series will be compared with professional values and competing firms. In conclusion, based on the results of the company will be proposed some options for improving some indicators.
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Optimization of the Bank Loan Application
Skovajsa, Radek ; Kořínková, Martina (referee) ; Čižinská, Romana (advisor)
The work is based both on theoretical basis and practical working processes of banks for assessing client's financial standing in Czech market environment. Basic preconditions for successful credit allocation to a business entity will be set along with evaluation of the importance of information from a credit requisition form's compulsory enclosure. A detailed analysis of the client's economy from a bank perspective will be succeeded by identification of critical risks and positives of an applicant's financial position.
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Risk Management of Bank Credit System and Decision Making Process
Skovajsa, Radek ; Kryštof, Zdeněk (referee) ; Čižinská, Romana (advisor)
The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.
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