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Analysis of bank charges
Ozimy, Matej ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis deals with the analysis of bank charges of current and student accounts in specific banks in the Czech Republic for the year 2017. The first part of my paper deals with the inception and development of bank charges in the Czech Republic. I have also conducted a brief categorization of bank charges into individual segments, linking them either to a particular service or product, specifying their rates, which indicate the market developments. The main objective of my thesis was to find the most suitable bank in terms of bank charges (client expenses associated with account management and other services) and also in terms of the return on current accounts (ie. savings accounts) and student bank accounts to identify the best client account.
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Analysis of bank charges and their financing alternatives
Dušková, Markéta ; Bártová, Hana (advisor) ; Jablonský, Petr (referee)
This bachelor thesis deals with the analysis of bank charges associated with the current account. The aim of the thesis is to find the best current account for students by using two model clients for selected accounts. Another objective is to analyze the possibilities of covering the costs incurred with the use of a current account by means of financial rewards provided by some banks in the current account and by other bank products. The partial objective of the thesis is to verify the hypothesis whether small low-cost banks offer a current account associated with lower bank charges than large banks.
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Evaluation of current accounts
PLAČKOVÁ, Markéta
The aim of this thesis is to compare the theoretical results of evaluation of current accounts with the practical results of the survey. In the theoretical part were described the selected methods of multi-criteria decision analysis, that makes it possible to evaluate current accounts according to several criterias. It was also carried out a survey which aimed to identify whicg current accounts are used by respondents and what are the conditions for their use. In the practical part were a compared of theoretical and practical results. In conclusion are evaluated the best products and compiled an overview of evaluation accounts used by respondents.
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Analysis of bank charges
Matejov, Peter ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
This bachelor thesis deals with the analysis of bank charges of student accounts in Slovakia and Czech Republic that owners of these accounts pay for pre-specified range and structure of operations. The selection of operations was based on responses by respondents aged 15 to 26 years on created questionnaire about bank charges. The main aim of this thesis is to form a model client through the questionnaire that is identical for both countries and based on its characteristics to choose among the quantity of offered student accounts operating on the Slovak and Czech market the ones, that are the best from the perspective of level of charges.
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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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Cooperation between law firm and the bank
Fuková, Martina ; Půlpánová, Stanislava (advisor) ; Radová, Jarmila (referee)
The aim of bachelor thesis is to describe the partnership of law firm with bank, the differences due to the specific line of business, and finally follow the development of cooperation in time. The first part is an entry to introduction of law firm and clarification which bank is currently main bank provider. In the second section are characterized products used for regular payments, described the development of their terms from beginning of the cooperation to present and created the review of costs and incomes from this cooperation. The third chapter focuses on the familiarization with special products which is used in connection to the legal profession, and specifies who pay associated charges. The fourth chapter compares the conditions actually used products with offers of two competing banks, monitors the negotiation about these conditions and the subsequent decision to change bank provider. The fifth chapter is dedicated to the change of the bank, and what advantages and disadvantages this change brought.
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System of payment and its development with focus on the current tendency
TŮMOVÁ, Lenka
The aims of bachelor´s thesis are to compare individual type of payments and to describe present condition system of payment in the Czech Republic. The theoretical part deals with legislation on system of payment, history of money and history of banking. The next chapter defines cash and cashless payment as well as payment systems. In the practical part of bachelor´s thesis principle the payment systems - CERTIS and TARGET - is cleared up. Then, the fees for payment in Czech banks are compared. The authoress chose the three biggest bank and the one newest bank in the Czech Republic for interesting contrast. Last part shows outcomes of questionary, where 162 respondents replied to 17 questions about system of payment. The questionary was prepared for this thesis and the answers are confront with annual reports of individual bank.
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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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Development of the bank fee policy in retail banking sector in the Czech Republic
Fričová, Martina ; Hradil, Dušan (advisor)
This bachelor thesis describes development of the bank charges in the Czech Republic in the years 2006-2009. Object of this work was to notice trends of the development from three different points of view. First part of work introduces theoretical determination with characteristics of chosen products in five czech banks. Third chapter deals with the model of client behaviour and its progression in monitored years. Next chapter presents results of analysis from the view of model client and individual bank. This chapter includes the summary of trends and cohesion of banks.
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