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Management of Operational Risks in Banking
Fraitová, Tereza ; Lacko, Branislav (referee) ; Doskočil, Radek (advisor)
This thesis focuses on operational risk management in banking. The main aspect for the selection of operational risks was the extent of impact in the selected banking institution, which is one of the largest financial institutions in the Czech Republic. The identification and classification of the risk was based on the study of the internal documents of the institution. Operational risk is defined as the risk of loss arising from inadequacy or failure of internal processes and systems, from human failure, and as the risk of loss arising from an external event. These mentioned operational risks will be dealt with later in the thesis. The aim is to apply the theoretical knowledge acquired during the study and apply it to the work with the help of risk measurement, assessment tools. Then the impacts and consequences are presented using selected analyses. Furthermore, the thesis contains partial suggestions for risk minimization measures in the selected institution. The results of the thesis contain some contribution to the management and its risk management last but not least for further development and risk measures in the selected banking institution.
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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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Borrowing the Entrepreneur by Selected Banking and Non-banking Institutions
Václavík, Lukáš ; Ptáček, Roman (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with the comparison of the possibilities of lending entrepreneurial subject by business credit by selected banking and non-banking institutions. The individual options are compared on the basis of the analysis of offers from selected institutions with competence on the Czech financial market according to the preferences of the company management. The most suitable external financing options will be recommended for the company.
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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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Borrowing the Entrepreneur by Selected Banking and Non-banking Institutions
Václavík, Lukáš ; Ptáček, Roman (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with the comparison of the possibilities of lending entrepreneurial subject by business credit by selected banking and non-banking institutions. The individual options are compared on the basis of the analysis of offers from selected institutions with competence on the Czech financial market according to the preferences of the company management. The most suitable external financing options will be recommended for the company.
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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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Optimizing the recruitment process applicants for consumer credit - case Study
Moudrý, Vojtěch ; Říhová, Zora (advisor) ; Střížová, Vlasta (referee)
This thesis is focused on analyzing the process of an online request for a consumer loan. It targets its weak points and creates a set of recommendations that should lead to more user - friendly environment. In the theoretical part, the thesis covers issues of consumer loans and explains topics from user testing and usability. It also describes methodology of the research. The practical part of this thesis is centered around a general simulation model, which was created based on the previous analysis. With this model and using selected methods the thesis identifies critical points common to most tested participants. Based on the results of the user testing, recommendations are made to resolve these issues. The general model was modified according to the validity of these recommendations and then subjected to re-testing. This thesis is unique for the use of an eye-tracking camera among other methods.
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