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Credit Risk Management In The Lease Company
Koďousek, Tomáš ; Půlpánová, Stanislava (advisor) ; Teplý, Petr (referee)
This thesis is focused on the credit risk management with special orientation in the lease companies. Firstly, the basic risk features are defined, the general risk management process is explained and risks which the lease companies are exposed to are classified. The main theoretical part analyses the features of the credit risk important for the credit analysis, i.e. the classic approach to the evaluation of the borrower's creditworthiness. The theoretical part is the basis for the practical part within which the analysis of the credit risk management process in the lease company is performed, including the case study analysis.
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Economics and financial leasing companies planning
PÍCHOVÁ, Lucie
Planning is a very important manager work which is necessary for governing and functioning every society. The aim of this diploma paper is to analyse the system of financial plans, define planning of society, whether it is effective and reliable, describe setting short run and long run plans. For these case study was chosen a leasing company which plans on the base of accountancy of international standards, the medium {--} term plan and at that time also the contemporary plan is checked. The medium {--} term plan relates with expenses and profits. The plan is effected by the market share, environment and the market competition. The leasing company planes for three forefronts {--} cars, consumer goods and direct loans. Significant influence on the product, if it is profitable or not, has delinquency, which is the highest in the first year of the repayment. The company creates provisions for delinquent contracts. In the first phase of ratification insurance some products is necessary to be a part of the products. The Planning department and Department of Control are in charge of following forefronts of individual product. Conclude that the leasing company is in its planning and implementation successful. Profitable products of all product forefronts are the result. Cars, with their highest position in the market, are the star of the company. Nonprofitable products are cancelled and there are substituted by other products. Liquidity is not followed much because the company is owned by a multinational company.
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Balance and profit and loss statement - their ability to give evidence
ŠTIKOVÁ, Martina
The main goal of my work is the performance of financial and economic analysis at the concrete leasing company on the basis of accounts sheets {--} balance-sheet and profit and loss accounts. For the analysis were selected the years 2004 and 2005. In the first level was made a detailed analysis of particular items of the balance and profit and loss accounts by dint of horizontal and vertical absolute coefficcents, thereby was won the review of the possessive and financial structure of the company . In the second level I made a financial analysis on the basis of ratio coefficients of the profitability, acitivity, indebtedness and solidity. During the selection and using of these coefficients it was necessary to take account of the specific content of account sheets, usuall for the activity in the company. Some of the coefficients were adapted, other were not able to be used at all. By the particular items analysis of accounts sheets was possible to rate the changes in the structure and content of property and capital, expenses and yields, during two following periods. In the case of application of ratio coefficients was foud out, for the objective analysis of management providing the financial leasing is not adequate to use only balance-sheets and profit and loss accounts, but it is necessary to use other sources, for example cash flow account, annual report, historical balance and profit and loss accounts, investment and financial plan, internal instructions etc.
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