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The Investment Models in an Environment of Capital Markets
Komárek, Lukáš ; Budík, Jan (referee) ; Smolíková, Lenka (advisor)
This thesis deals with models of investment strategies in an environment of capital markets. Based on the research environment of financial markets, analysis of available financial products and the help of supporting information resources, there are developed and simulated three different investment strategies – risk dynamic strategy, medium balanced strategy and a stable conservative strategy. The output of work is an investment questionnaire, which is used to select appropriate investment strategies, and three models of investment strategies, including evaluation. Investment evaluation itself is performed by fuzzy logic.
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Risk management of savings accounts
Džmuráňová, Hana ; Teplý, Petr (advisor) ; Lebovič, Michal (referee)
This thesis deals with the risk management of savings accounts. Savings accounts are non- maturing liabilities bearing two embedded options. The first option is the client's right to withdraw deposits on notice. The second option is a bank's right to change the deposit rate on savings accounts whenever it wishes. This in practice means that a fierce competition may arise as banks can quickly react to competitor's change in the deposit rate. The embedded characteristics make the risk management of savings accounts challenging. We identify five key risks of savings accounts: liquidity risk, market risk (interest rate risk), systemic risk, reputational risk, and model risk. The thesis focuses on the interest rate risk and the method of replicating portfolios, which is a standard technique of the estimation of non-maturing liabilities' interest rate risk employed by banks. Using replicating portfolio approach, we derive that savings accounts are risky liabilities. We provide evidence that high deposit rates offered on numerous savings accounts in the Czech Republic have not been consistent with low market rates since January 2012, at least. We show that unsustainable deposit rates combined with competition among banks will lead to capital losses in some banks when market rates increase. JEL...
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Banking products for private clients in Komerční banka a. s. compared with offer of the market
HRŮZOVÁ, Iveta
This thesis is focused on the comparison of the most popular products among clients. The research helps with the selection of the most popular and most favourable product. Analysis was performed of bank products, mainly in mortgage loans and savings referring to the clients. The aim of this thesis is to find which banks are the most preferred by clients and compared with Komercni banka and how are clients satisfied with its products. Proved the competitiveness of Komerční banka a.s and found advantages and disadvantages in relation to other offers on the market.
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The Investment Models in an Environment of Capital Markets
Komárek, Lukáš ; Budík, Jan (referee) ; Smolíková, Lenka (advisor)
This thesis deals with models of investment strategies in an environment of capital markets. Based on the research environment of financial markets, analysis of available financial products and the help of supporting information resources, there are developed and simulated three different investment strategies – risk dynamic strategy, medium balanced strategy and a stable conservative strategy. The output of work is an investment questionnaire, which is used to select appropriate investment strategies, and three models of investment strategies, including evaluation. Investment evaluation itself is performed by fuzzy logic.
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Comparative analysis of investment possibilities in Czech Republic and in Russian Federation
Borisov, Andrey ; Zámečník, Petr (advisor) ; Čámská, Dagmar (referee)
Nowdays, exists a possibility to invest not only in the domestic country but also in foreign countries. The main goal of this thesis is to undertake the comparative analysis of investment possibilities of natural persons in savings accounts and mutual funds in Czech Republic and Russian Federation, both from the perspective of domestic investors, as well as from perspective of foreign investors. For each country I will introduce summary of legislative aspects. Afterwards, I will introduce the list of the top five accounts and funds for each country, which have adequate liquidity and risk level. Also I will take into consideration such important aspects as exchange rate and inflation. The Convention for the avoidance of double taxation between Czech Republic and Russian Federation will be analyzed as well.
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The development of savings options of household sector
Hebká, Iva ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
The bachelor thesis analyzes the development of basic savings instruments that are considered by household sector as commonly used and easily available. We are talking about bankbooks, savings accounts and term deposits provided by banks and credit unions. The first three chapters deal with general information and basic functions of these banking products. This section involves for example the clarification of methodology of the interzonal bearing interest and explanation, which factors influence the height of interest rate at client deposits. A part of the individual chapters is also the assessment of significant changes in demand and summary of current supply at selected financial institutions. The final section provides data about the effect of new banks on the Czech market and structure of their services in the branch of savings.
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Comparison of low-risk investments with focus on savings accounts
Hápová, Barbora ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The diploma thesis deals with analysis of selected low-risk investments, with wich we can appreciate our savings. It is building savings, pension insurance, passbooks, time deposits, government bonds and savings accounts, while special emphasis is laid on savings accounts. The main goal of the diploma thesis is to estimate annual revenue of the above mentioned low-risk investments, while taking into account such factors as tax relief or government contribution for some of them. Subsequent survey is focused on knowledge and use of savings accounts.
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Analysis of savings accounts for individuals in the CR
Hynek, Jan ; Zetek, Pavel (advisor) ; Matejašák, Milan (referee)
The thesis is focused on the analysis of the assessment options of available funds using more conservative instruments of the financial sector. They are mainly the savings accounts and the term deposits. In the first part, the status and the role of the banks and credit unions in the financial sector will be determined, including offered products and services. The following part then analyzes various products in terms of real return, the fees, other costs and additional services in detail. In the end, it was found that under current conditions it is possible for an increased acceptance of the risk to get the highest evaluation with Metropolitan credit union's savings account.
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