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Hodnocení bankovní výkonnosti
Prokopová, Jana
This diploma thesis is dedicated to the topic of evaluating the banking per-formance of large and small banks in the Czech Republic in the period from 2018 to 2022. The main goal of the thesis is to compare the financial performance of large and small banks operating in the Czech Republic, to find out factors causing the difference in performance and the sources of profitability of these two groups of banks. A financial analysis is performed to evaluate the financial performance of the selected banks. As part of this analysis, indicators of profitability, capital adequacy, quality of the loan portfolio, as well as indicators of bank productivity and cost intensity are used. ČSOB, Česká spořitelna and Komerční banka are ana-lyzed as representatives of the group of large banks. The group of small banks is represented by Air Bank, Fio banka and Banka CREDITAS. Finally, the results of the application part of the work are compared with professional studies of other authors.
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The Czech banking sector: Determinants of Profitability
Hykl, Daniel ; Pečená, Magda (advisor) ; Teplý, Petr (referee)
This thesis is concerned with Czech banking sector in 2015 - 2020 and its profitability. A set of bank-specific and macroeconomic variables is tested for profitability determination effects by a general profitability model estimated with system GMM, FE, and OLS methods, yearly and quarterly data are used. The results indicate negative effects on bank profitability of the following on both yearly and quarterly bases: capitalization, operational efficiency, and inflation change, and positive effects on bank profitability of the following on both yearly and quarterly bases: bank size and GDP growth. The thesis also analyzes quarterly changes in bank assets, liabilities, and equity. The results indicate systematic drops of liabilities and assets reported as of year-ends. Potential explanations are discussed along with suggestions for further research as this study presents a complex set of insights, results, and experience ready to be augmented with further efforts.
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