National Repository of Grey Literature 208 records found  1 - 10nextend  jump to record: Search took 0.00 seconds. 
Pension systems and analysis of pension companies in the Czech Republic
Kadeřábek, Ondřej ; Cibulka, Jakub (advisor) ; Radová, Jarmila (referee)
The aim of the bachelor thesis is to analyse pension system in the Czech Republic and particular attention will be paid to the pension systems worldwide. The first part defines the theoretical aspects of the pension systems and funds, describes international trends, explains legislative changes in the Czech Republic and compares pension systems of selected countries. The second part evaluates the evolution of Czech market representatives and Czech pension market as a whole. Last part is targeted on summary and final conclusion.
Refinancing of mortgage and consumer loans
Gajdošová, Nicol ; Radová, Jarmila (advisor) ; Mazáček, David (referee)
The importance of consumer and mortgage loans is increasing every day. If we were not born under the lucky star, the only way how to get property ownership or other financially expensive things is to take a mortgage and a consumer loan. Times when young people were entitled to get apartments from the city, the village or the employer have gone. Loans are generally in the interest of economists, lenders and the general public, who can use them to buy a house, flat, car, etc. Especially today, when interest rates reach the historical bottom, many people get a loan. In time, however, they find out that costs are not just a repayment of the loan but also other expenses associated with the use of the purchased item. They start wondering how they could reduce the installment after the end of the interest rate and thus save some money a month. Here comes a very popular product like credit refinancing in another bank. Banks attract potential clients for very good annual savings, you just need to transfer the entire loan to them. My work includes the factors influencing mortgage and consumer credit, which is also related to refinancing. I deal with real model examples through the precise approach of three selected bank institutions in refinancing mortgage and consumer credit. The thesis describes in detail the procedure of institutions, interest rates and their conditions for transferring credit.
Mortgage markets and their comparison in Czech Republic and Russia
Tkachenko, Evgeniy ; Mazáček, David (advisor) ; Radová, Jarmila (referee)
This bachelor thesis was focused on a topic that is undoubtedly very important nowadays - it is a mortgage market. The first part of the bachelor thesis is focused on the mortgage market theory, its key aspects and description of several different mortgage types.. The second part of the bachelor thesis was already dedicated to research on mortgage market in the Czech republic and Russia underlying the capital cities of both countries and its comparison. The aim of this thesis is to analyze mortgage products in the Czech Republic and Russia, analyze the development of interest rates for a given product and to define differences between products between the two countries. The work clearly pointed out that the situation in the mortgage market is much better in he Czech Republic than in Russia (resp. in Prague than in Moscow) - the proportion of the payment of average salary, interest rates, or inflation expectations are lower than in Russia. Furthermore, it is concluded that the volume of mortgage loans and interest rates is affected by the local GDP.
Factors affecting mortgage market
Mrázek, Michal ; Radová, Jarmila (advisor) ; Cibulka, Jakub (referee)
This bachelor thesis focuses on current issues regarding mortgage loans. The thesis aims to characterize the impacts of new regulations and selected macroeconomic factors on the mortgage market. The first part defines mortgage loans, including relevant terms connected to the field. Then, the impact of new legislature on banks and consumers in the mortgage business is researched. Furthermore, the thesis focuses on reccomendations of Czech national bank concerning indicators of LTV, DTI and DSTI. The second part characterizes selected macroeconomic factors and their impact on the mortgage market. The selected macroeconomic factors are gross domestic product, inflation, unemployment and interest rates of mortgage loans. Firstly, the impact of these factors is researched on quantity and sum of new mortgage loans. Then, the macroeconomic indicators are quantified and analyzed using regression analysis.
Analysis of the impacts of the Amendment to the Consumer Credit Act on the banking sector of the Czech Republic
Potužníková, Lenka ; Dvořák, Petr (advisor) ; Radová, Jarmila (referee)
The subject of the thesis called Analysis of the impacts of the Amendment to the Consumer Credit Act on the banking sector of the Czech Republic is the Amendment to the Consumer Credit Act effective since 1.12.2016 and its presumed impact on banking sector including the consideration of the justification of some provisions of the Act. The objective of this thesis is a clear summary of fundamental changes which waste from new legislative and outlining the related questions, mapping the consumer credit market tendencies from macro and micro view and recognition of possible risks and opportunities related to the amendment. The data are processed using the simple descriptive statistics method with use of graphic methods and word comments.
Financial analysis of UniCredit Bank, Inc.
Žďárský, David ; Radová, Jarmila (advisor) ; Diviš, Martin (referee)
The diploma thesis aims on financial analysis of the company UniCredit Bank, Inc. in period of year 2012 to 2015 focusing mainly on comparison of its finacial results with previously selected groups of banks. Firstly, the principle of financial analysis and its purpose is stated with particular financial indicators being described. Secondly, basic information about the UniCredit Bank Inc. are given combined with analysis of banking industry as a whole throughout the period. The third main part provides the individual financial analysis of UniCredit Bank Inc. that is compared with statistical data of banking industry and the group of big banks. The results are graphically processed with use of Spider chart for each year of the period. Lastly, the final overview of financial results of UniCredit Bank in context of chosen sectors´ data is summarized.
Analýza trhu P2P půjček
Rolák, Martin ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
The subject of this thesis is to map the development of p2p lending in the US. Firstly, we compare the different business models and roles in the current monetary system of commercial banks and p2p platform lenders. The structure as well as trends of p2p lending industry are described. The returns of p2p loans are compared with traditional assets such as bonds, stocks and commodities in the 2011-2016 period. The last part of the thesis examines the loanbook of the most prominent p2p platform lender, Lending Club.
The effect of New Credit Consumer Law on mortgages
Turský, Martin ; Rajl, Jiří (advisor) ; Radová, Jarmila (referee)
The goal of the diploma thesis is to show influence of the new Consumer Credit Law on mortgages in Czech Republic and its effect on real data. The thesis is dealing with issues of mortgages, shows types of mortgages and the possibility of repaid. Description of making deal between bank and client is written in next part of thesis. There are shown parameters like LTV, loan interest rate and RPSN as well as possibilities of insurance of client and secure of mortgage. Practical part of thesis shows difference between new and old Consumer Credit Law on real data, and shows effect on interest rate and number of contracts after effectiveness of the new law. There is written influence of new law on prices of resident estates. Last part of the thesis describes offers of mortgages of selected banks on Czech market.
Analysis of the Motor third party liability on the Czech market
Janatová, Denisa ; Radová, Jarmila (advisor) ; Cibulka, Jakub (referee)
The aim of this bachelor thesis is to analyze offers of compulsory liability on the Czech market. The whole analysis is to compare the price offers of the third-party liability insurance at Partners with insurance companies and e-portals such as E-Insurance,, Compare24 and finally with the Mandatory portal. The first chapter describes one of the basic pillars of non-life insurance, namely liability insurance. There is also a breakdown of responsibility according to the three most important factors. The second chapter deals specifically with Motor third party liability insurance and the specific requirements of this insurance that every car owner should know. The third chapter briefly mentions the vehicle's accident insurance. The fourth chapter shows the percentage comparison and comparison of the individual parts of the non-life insurance market in the Czech Republic. At the same time, the comparison of the shares of all the insurers providing compulsory liability to the insurance policies. The fifth and final chapters analyze market prices for a predefined vehicle and person. The object is also to point out the differences in the accident insurance and to increase the total insurance premium due to the arrangement of supplementary insurance.
Analysis of Česká spořitelna revenues within Erste Group
Hanus, Lukáš ; Radová, Jarmila (advisor) ; Diviš, Martin (referee)
The bachelor thesis focuses primarily on the analysis of revenue development of Česká spořitelna. Then it examines whether this revenue development affected the parent company Erste Group. The introductory section defines the main revenue categories. Within these categories the main factors that influenced their development within Česká spořitelna are analyzed. Consequently, the development and main factors affecting these categories are compared with the development of the Erste Group. The thesis captures the development of revenues between 2012 and 2016.

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