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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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Collection of exercises from financial mathematics for secondary schools of economics
STEHLÍKOVÁ, Andrea
The aim of this bachelor's thesis was to compile a collection of solved examples from financial mathematics for high schools with economic specialization. The solved examples are focused on wages, financial household management and investment products (specifically on savings accounts, time deposits, a construction loan and supplementary pension savings). The starting point for the formation of tasks were Curriculum frameworks for business schools. In the process of creating exercises, emphasis was put on the development of crucial competencies with the Curriculum frameworks for business schools in the process of tasks.
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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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Taxation in terms of savings products
Grasslová, Martina ; Ducháčková, Eva (advisor) ; Michalíková, Jana (referee)
This thesis presents a comparison of five commercially available products most commonly used by Czech households: a savings account, buildings savings, pension insurance, investment life insurance and mutual funds in terms of taxation. The aim of the work is an overview of the taxation of selected products for the general public in a concise form and show specific impacts on individual cases.
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Statistical comparison of bank products in selected banks
Kašpar, Vojtěch ; Prášilová, Marie (advisor) ; Luděk, Luděk (referee)
The thesis analyzes current and saving accounts, term deposits, and consumer loans of seven Czech retail banks, which includes three established and four niche competitors. The statistical development is elucidated with a time series analysis, revealing a sharp contrast of traditional and niche competitors' growth. In addition, the thesis includes a questionnaire which improves understanding of customers´ bank and bank product preferences, providing a sound basis for further qualitative examination. Finally, after evaluation of overall results, recommendations were proposed to the banks as well as their clients.
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Analysis of saving bank accounts and comparison of their offers on the Czech banking market
Richtrová, Lucie ; Steininger, Michal (advisor) ; Aneta, Aneta (referee)
The bachelor thesis is concerning bank accounts, mainly those which are the most favourable, from a client's point of view. The aim of this thesis is to define, compare and contrast savings accounts which are available on the financial market in the Czech Republic. As well as to acquire which are most favourable for clients. In this thesis, there will be defined terms which are directly linked to financial and banking products. Mainly, those which are linked to savings accounts. The first section of this thesis will be based upon a survey which aims at determining which banks are the most reputable in the Czech Republic, plus further information regarding the individual bank accounts of clients. Another section will compare four of the most popular Czech banks: ČSOB, ING Bank, Air Bank and Česká Spořitelna. These institutions are listed according to the following criteria: how much the client benefits from the provided services; the interest rates and further costs directly linked to bank account usage. A non-existent client was created for the purpose of determining how advantageous a savings account is for them based upon which one of the four institutions they used. From the analysis within this thesis arises the conclusion that the best savings account, as well as the most commonly used, was Air Bank.
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